BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-11
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The company, Enhanced Recovery, reported an XXXX XXXX XXXX bill in XXXX of 2014 without sending a dunning notice. This was a debt that they had previously tried to collect from me years before and was eventually deleted from my credit reports after disputes were not validated on their end. They began reporting to XXXX and XXXX in XXXX of 2014. I disputed through the XXXX and they acknowledged through written message that they did not send a dunning notice because they were unable to reach me on a cell phone number they had listed as my contact. So as of last week ( XXXX XXXX ) they sent the dunning notice-5 months AFTER they began reporting this on my credit reports. I was not given the chance to dispute before this was marked as a derogatory item on my report and sending the notice now is a clear violation. I want this debt removed from my credit reports as it is being reported incorrectly and collected in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ON XX/XX/2020 AND XX/XX/2020 I wrote to all EXPERIAN in the hope to get items off of my credit report that does not belong to as they are causing harm to my credit profile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020, I was alerted to a change in my credit score. I saw Capital One checked my credit report, without me contacting them prior. On XX/XX/2020, I called the company 's ' support line ; however, the company would not accept my calls, since I wasn't a customer. Basically, all options from the robotic call center were for customers, and I could not get in contact with anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX  Account # XXXX XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXXt Account # XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX XXXXt # XXXX XXXX XXXX violated my rights. 

XXXXt Account # XXXX XXXX has violated my rights. 

XXXX  Account # XXXX XX has violated my rights. 


15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Enhanced Recovery Company continues to add a debt to my credit report that I do not owe. I have disputed it twice, and Experian removes it, but the next month or more it is back on there. When I called Enhanced Recovery Company, I was told that I owed XXXX. I have not had XXXX in 10 years and I do n't believe that XXXX would have waited 10 years to inform me about a debt. I left XXXX in good standing. My current credit score is XXXX. I am beginning to get really upset that I have to continue to dispute this false debt. It is negatively impacting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 10th CFPB complaint submitted regarding the removal of the fraudulent accounts and information being reported on my Credit File. I was a victim of identity theft and that my Personal Information was stolen and used to open these items without my knowledge. I never received any benefits as a result of my identity being stolen. Under the Fair Credit reporting Act section 605b, The Credit Bureaus are required to remove these items from my Credit report and provide any proof of verification if they claim that the items belong under my name. I am submitting this CFPB Complaint to request the Credit Bureaus to please remove the disputed account completely from my Credit Report : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXXT XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00} US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXXXXXX Balance Owed : {$100.00}. The Credit Bureaus ' willful non-compliance with the FCRA statute is a clear violation of a consumer 's rights. If the Credit Bureaus claim that the dispute accounts and information belong under my name, I need the Credit Bureaus to please provide me copies of proof of verification to prove their claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I would like to attach letter I have written to Experian on XXXX in regarding in the letter written to them. 

Also in trying to communicate with any of the big three : Experian, XXXX and XXXX  are very difficult to get in contact with be it by phone ( they don't answer the phone as a rule ), or by mail, as they don't like to reply even if you send them certified mail. 

They could really care less about the general public, and have been given the green light to slander and defame anyone they chose with NO accountability to anyone. 

If you do go through what ever to try to correct or to update your file as they have it, they will insist you spend hundreds of dollars again and again to join whatever service they might have, to correct what they have published that is incorrect. 

LIKE IT WAS MY FAULT THAT THEY ARE PUBLISHING INCORRECT ITEMS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: Alpha Recovery Corp
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I vacated apartment to purchase a home, XXXX XXXX ( complex ) charged me for costs associated with maintaining a pet in addition to retaining the {$300.00} deposit. During this time the complex was acquired by XXXX XXXX, a large firm with national apartment complex holdings. I paid the charges in full during the transition from XXXX XXXX to the acquirer, XXXX XXXX but the accounting systems between the XXXX did not account for all the payments made. I contacted XXXX at XXXX XXXX and the matter was resolved after getting harrassing calls and letters from XXXX XXXX, another collection agency. Subsequently and for a long period of time, XXXX XXXX ceased collection efforts on this previously paid debt. Now, recently they have apparently shifted collection efforts to yet another COLLECTION agency Alpha Recovery Corporation ( ARC ), XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ARC resumed collection activities on this paid obligation, calling my place of business and home and even my father 's home number in another state. I have written them and advised them to cease collection efforts, referring both to XXXX XXXX correspondence as well as that of XXXX XXXX the entity who has confirmed that the obligation is fully extinguished. Had XXXX XXXX proceeded with filing the claim on my renter 's insurance at the time, the charges would have been fully paid by the insurer. As a result, XXXX XXXX XXXX XXXX XXXX should in fact reimburse me {$720.00} in monies I paid as a result of them failing to proceed with filing a claim as requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card
Issue: Other

Complaint:
XXXX is reporting my XXXX on my credit report twice. I disputed the duplicate information on my XXXX credit report and it was verified as having XXXX accounts. I only have XXXX and this information needs to be updated because it is negatively impacting my credit score.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I DEMAND that you ONLY RETAIN VALID CERTIFIABLY METRO 2 format COMPLIANT DATA that is REQUIRED REPORTING per my state 's and or applicable federal reporting laws regarding the late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I would like to report XXXX XXXX and XXXX also the collectors and creditors as I told all three credit bureaus back in 2020 that I was a victim of identity theft and fraud also that I'm also a hurricane Harvey victim and that a lot of my personal information had been stolen when some homeless people broke in my home and I was transfer to XXXX XXXX Texas by bus. I have disputed these several times and nothing is being done there's only three accounts that have been paid in full with certified letters I turned in all information I even received a letter from XXXX XXXX saying thank you for the payment and yet a month later they still sold my information to a collector 's agency called NCA they want me to pay {$110.00} so they can close it and it says closed already but it's not removed the initial payment it says {$220.00} which is not right! I want this resolved immediately it's hurting my credit and so is another one for {$920.00} it says account status charge off and paid in full yeah it's still on my account sold to XXXX XX/XX/2020 this has been also taken care of with the certified letter and needs to be removed from my credit report. I worked hard for my country and I'm a XXXX XXXX of 22 years with heavy metals in my blood not by choice I don't deserve this my credit needs to be where it needs to be good I pay all my bills and I've been working really hard to get my credit fixed and these people are not helping me one bit they just keep asking me for money to boost my credit this is an outrage and very disappointing they also have not removed all the different addresses during my lifetime I'm XXXX years old I need this fixed I live in XXXX XXXX Texas and plan on staying here and buying a home as soon as my credit is where I need it to be! They also have a dispute from XXXX  my bank which I never asked for dispute because I use them and they're the ones helping me with my credit right now and keeping track of all my payments of my bills insurance and rent so they have everything mixed up! I have a couple of hard inquiries that I don't even know of and that is probably due to the fact that I was a victim of identity theft and that also needs to be removed immediately and they have not done so when they promised me that they would. There is specifically five hard inquiries that is hurting and harming my credit with all three credit bureaus and this is unacceptable because four of them I don't even recognize like I said I'm the victim. The only dispute that complied was Universal payment core they did say I paid in full and they closed my account as promised on XX/XX/XXXX other than that nothing else has been done and that's sad because I don't deserve this how would you like it if this was happening to you and what would you do? I'm being harassed from XXXXXXXX XXXX  and I needed to stop! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX debt collectors are trying to collect on the same debt XXXX provided verification of debt letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX  / {$5400.00} / XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company calls everyday about 5 times a day at our office which we just set up a few months ago. This is a place of business and it is a field office. We do not owe any debts, they should not be calling and they should certainly not be calling 5 times a day everyday! It 's XXXX. I believe it 's XXXX XXXX XXXX. I am familiar with their office in XXXX because I use to drive by it everyday and my nephew use to work there. This one is calling from XXXX per my caller ID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
- The company refuses to address a XXXX XXXX XXXX complaint and XXXX XXXX XXXX has reversed any charges from my account as well. 

The bank is Comenity Bank and the card is XXXX XXXX. I asked XXXX to close my account and they refuse to do so. XXXX took action by crediting my account and is consumer-friendly but Comenity Bank refused to do so. 


Business Name : Comenity Bank Address : XXXX, OH XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I signed up for a Best Buy credit card ( through Citi ) in-store in XX/XX/2018. I signed up for the card to save 10 % on a purchase, so when I returned that entire purchase ( defective product ) there was no longer a need for the card. I had to wait for weeks to call due to initial setup, etc. I finally got a hold of the customer service and had them cancel the card. However, I noticed I kept receiving card-holder offers in the mail, indicating the card hadn't been closed. I called back and ... closed the account again. Same thing happened again. Now, for months ( since last XXXX ), I've been trying to get a hold of them to close my account. I call all the time, and every single time I call I get to the point where I'm supposed to get somebody on the phone to cancel the account, wait for 10-15 minutes, and then when it sounds like somebody has just begun to pick up the phone, it hangs up. I'm unable to access the account online. I don't have a physical card. I don't have any way of getting them to close the account. 

This is fraud and I would like to press charges against Best Buy, if possible. I'm willing to pay thousands of dollars to pay for attorney fees to get this going, if somebody can point me in the right direction. I've tried contacting the FBI 's fraud division, but they sent me to CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had closed a mortgage refinance with Loandepot in XXXX. The Closing disclosure at the time of the loan closing is dated XX/XX/XXXX. The amount due from the borrower was {$1300.00}. 

On XX/XX/XXXX, I received another Closing Disclosure from Loandepot with all terms of the loan the same as before, but the amount due from the borrower was {$1000.00}. I assumed that the company has made a mistake in the Disclosure earlier and they would send me a credit for ( {$1300.00} - {$1000.00} ) = {$22000.00}.

I contacted the loan contacts and asked them why a new Disclosure was sent to me. List of contacts I contacted is below. I also called Customer Service and inquired about the new Disclosure. It has been 2 months since I raised the questions but have not heard any clear answer from them. I am not sure now which Disclosure is the correct one, and whether the company has made any other mistakes while processing my loan. Would appreciate any help. 

XXXX XXXX Licensed Lending Officer NMLS # XXXX Direct ( XXXX ) XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Manager NMLS # XXXX Direct ( XXXX ) XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Processing Manager Direct XXXX XXXX ) XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief