BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-16
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried for several years to correct my issues with the three agencys as well as the debt collectors once I found out they were on my credit report, they are all from : Bull City financial solution : ( 1 ) XXXX XXXX amount is {$160.00} XX/XX/XXXX ( 2 ) XXXX XXXX amount is {$160.00} XX/XX/XXXX When I spoke to there billing department they stated that it was a automated duplicate bill due to them changing there billing soft ware. However they would correct the problem but the collections agency left it on my credit report. 
( 3 ) XXXX XXXX amount {$150.00} XX/XX/XXXX ( 4 ) XXXX XXXX amount {$150.00} XX/XX/XXXX Again its the same problem, the billing department states one thing and the collections agency and credit departments still turned in on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS ACCOUNT IS SHOWING THAT STILL OPEN ON MY CREDIT REPORT, WHEN THIS ACCOUNT IS CLOSED SINCE 2018. THIS ACCOUNT IS A JOINT ACCOUNT, AND MY HUSBAND SINCE THE FIRST DISPUTE, HE SEND THE CERTIFIED LETTER WITH THIS INFORMATION, AND THEY DELETED FROM HIS CREDIT REPORT AND ON MY CREDIT REPORT, THEY STILL CHANGING THE ACCOUNT STATUS FROM OPEN TO CLOSED TO OPEN ATTACHED I INCLUDE THE CREDIT REPORT COPY AND THE CERTIFIED LETTER NUMBER RECEIPT.

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 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Capital one closed my account without reaching out to me or contacting me because as stated by their supervisor on my call my " auto pay stopped going through. '' I owed {$25.00} when this happened and had {$400.00} in cash back rewards built up. Without contacting me at all capital one took it upon themselves to close my account and also report the debt to my credit report. My credit score has taken a substantial hit from this. My business and way of making a living is now seriously threatened because my business depends on me having great credit and being able to borrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: P&B Capital Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
sent a letter asking for validation of debt never got anything just a bill

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Colony Brands, Inc.
State: MA
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:
XXXX XXXX claims that I included the account that appears on my credit report in ch XXXX bankruptcy, first of all that is not the proper way of verifying an account, I asked this company to provide me with the original contract bearing my signature. I dont want to hear what they have to say about a ch XXXX bankruptcy, this account was opened in XX/XX/2013, and it is being reported as XXXX XXXX. As it is required by law and by the FCRA also, I demand to see the original contract that shows my signature in wet ink, where is says that I opened this account and that I ever had a contractual obligation with this company. If this documentation is not available, I demand that this company tells the credit bureaus to delete the account from my credit reports. By law my signature is required for every account that is showing on my credit report and I demand to see the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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: Account status incorrect

Complaint:
I paid off over {$15.00}, XXXX of debit and my credit score didn't change nor did I see a decrease in the amount or credit I owed. I paid off over 10 credit card and it does not reflect on my credit report. That late payment for XXXX XXXX was place on my report in XXXX is been 10 years and is still showing. XXXX reported a late payment because they didn't inform of a change in financial institution and the payment went to the wrong address through my bill pay so I should have receive credit because the payment was send

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 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
i filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called transunion the whole month of XX/XX/2021 I asked if I could speak with the fraud department I even spoke with Supervisors and managers and no would helped me with the unknown inquiries I was told by different Representatives at transunion the unknown inquiries would be removed I had to call back Multiple times for weeks for getting false information about my credit report.

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 2022-03-02
Company: EQUIFAX, INC.
State: WA
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX BANK Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Throughout the years, I have struggled to pay down my student loans when the interest is preventing me to do so. I am making payments over my minimum payment and the balance continues to grow - because the interest is so overwhelming. 

I can not get anywhere near the principal loan - and with the thousands I've paid over the years, my loan balance has increased by thousands as well. I'm up to {$65000.00} in student debt, even though I have been paying for years, to no avail. I am a teacher - I took out loans to advance my degree in order to get a better teaching job - but now, I'm barely able to make ends meet with trying to pay my student loans, which keeps increasing. 

I have reached out to Fedloan Servicing - the response has been deplorable. There is no relief from the company and they are not able to help when it comes to the amount of interest being placed DAILY on the accounts. 

The interest rate is criminal - and the company is making money off the backs of students who are trying to get an education to better their lives. There must be something done for those who are loyal payers to their student loans - but are unable to break through the interest to actually pay down the principal. 

My disgust for this company and the federal government allowing loan servicer to take advantage of students is ever growing. The debt is crippling and being a teacher, there will be no way for me to ever pay this off as long as the company continues to be allowed to put interest on the accounts daily. Something has to be done - these companies need to be held accountable - even if it means their CEO 's have to take a break from their luxury vacations on the backs of hard-working people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: MD
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:
i recently obtain my credit report and noticed accounts and inquiries i did not authorize

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 2018-07-09
Company: Mortgage Research Center, LLC
State: LA
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 called the company to do an investigation regarding ( Late Payments ) that were made. They were sent proof in the form of bank Statements and Letters from the bank. 


XXXX XXXX XXXX and XXXX XXXX are Inquiries that were not authorized

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 2022-08-16
Company: Experian Information Solutions Inc.
State: CA
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:
To : Experian XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern : I am writing this letter to dispute certain inaccuracies in relation to my credit file. 

The first inaccuracy is that my credit file shows I have a closed account with XXXX XXXX on XX/XX/XXXX. The account number is XXXX according to what is showing on my Experian File. I believe this account should be removed as I never authorized such an account. Please investigate this further. 

In addition, I recently received a copy of my credit report, and I notice there are unauthorized credit inquiries made by the following companies at the following dates : Unauthorized Inquiry 1 Name : XXXX XXXX XXXX XXXX  Unauthorized Inquiry Date : XX/XX/XXXX Unauthorized Inquiry 2 Name : XXXX Card Unauthorized Inquiry Date : XX/XX/XXXX To my knowledge, I have not signed any documents authorizing these companies in question to view my credit report. The listed inquiries are without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act Section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, please send me proof of this. 

Finally, I am requesting an updated copy of my credit report, which should be sent to the sme address listed above. According to the provisions of Section 612 ( 15 USC Section 1681j ), there should be no charge for this report. 

Your immediate attention to this matter is appreciated. 

Sincerely, XXXX XXXX

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 2017-08-30
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX ACCOUNT # : XXXX. Company of XXXX. XXXX XXXX XXXX XXXX, FL XXXX. Phone : XXXX XXXX My name is XXXX XXXX XXXX XXXX. In the past I had the service with XXXX, XXXX years of contract which I finished but I still had the service out of contract, after a few months I called a XXXX agent to offer HD on my television and several times insisted with the offer while, I reiterated that I did not want any more contracts, that it was okay, I remember that I told her that my television looked perfect and I did not want the HD, she insisted, because I remember well that it was a woman and I told her that I did not want anything, She wanted contracts and she answered that it was free, that it was not a contract, to which she replied : If you want to give that service free, it 's fine, but I do not want contracts. This whole conversation was in XXXX. From there I continued with the service until I went to see the offer of XXXX, which by the way was unsurpassed by any company, included high speed Internet with television, including 3 months with free PPV channels, XXXX, XXXX, XXXX, XXXX. All this for a price of {$44.00} including taxes without a contract for XXXX year. After deciding on this option I called XXXX to disconnect the service and I learned that I had been awarded a contract, which I did not do at any time, nor gave such consent verbal or written, and I can only think that whoever awarded me the contract Contract made fraud to win the commission of that contract. The XXXX Costumer Service informed me that for breaking a contract that I never had to pay 200 and some dollars plus the amount of equipment, equipment that I returned and after calling to discuss the fraud told me that they had received them but that Now continue to charge you through a collection company to which XXXX, you, sold the liar and false debt. That same company has reported me to the credit bureau and in any case, although I report to XXXX to the Federal Bureau of Commerce for fraud and dishonest practices against the consumer, in the credit bureau have not been able to remove that report despite my insistence, That being said, it is my right to require directives from XXXX verbal or written evidence where you state that I gave my consent for a " HD '' contract. To send them to the growing office, or XXXX withdrew that fraud or if not, if they do not remove that fraudulent attempt to collect I will direct to file a police report against XXXX for consumer fraud or I will go in person to any other Office of the State of Florida or XXXX XXXX County to file a complaint. It is a lack of respect that they award fraudulent contracts to consumers and I demand that all indications of connection with XXXX and myself are deleted absolutely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: First National Collection Bureau, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First National Collection Bureau , Inc sent me a text message on XX/XX/22 as their very first collection attempt, before any validation of debt notice was sent or received, stating " We are contacting you regarding an important business matter. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a text from a debt collector. Call us at XXXX or pay online using reference number XXXX at XXXX '' In response to that text message I called them and the representative I spoke to was horrifically rude and proceeded to talk over me and yell. I attempted to advise them that this debt is past the statute of limitations to be collected and was never mine to begin with ; however, the representative just yelled over me, not listening to me at all. 

I advised them at that time to NOT contact me again. 

On XX/XX/22 I received another telephone call from them and no message was left. 

I still have not received a verification of debt notice from this company and find their tactics to be abusive and feel their practices should be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: United Debt Counselors, LLC
State: NY
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Back in XXXX of XXXX I had credit card debt. I regretfully signed up with United Debt Counselors to try to help me. They took close to {$5600.00} from me and did nothing. When I withdrew from this program I they refused to give me all of my money back Just gave me {$960.00} When I called the credit card company they advised me to wait until The accounts " charged off '' and I would work a payment plan with them. I spoke to them on XX/XX/XXXX. When I called them on XX/XX/XXXX, the day they suggested and they told me it was already sent to a third party. When I called the third party they said it was transferred to an attorney. When I called the attorney they would not speak to me. They need to speak to United Debt Counselors. I am no longer with the fraudulent company. But they refused. All I wanted to do was do the right thing and I have been given the run around and getting deeper and deeper in debt. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I had a good-standing account with XXXX XXXX ( telecommunications company ) and was trying to transfer service to a new address after moving. They inadvertently canceled my service and closed my account. When I called to find out the status of the transfer service request they informed me of the mistake they had been made and explained that the only way to have service again was to create a new account. In doing so, they ran a credit check resulting in a hard inquiry on my credit which I did not authorize. This was not at all explained to me during the process of creating the new account. When I found out about the credit inquiry, I contacted both XXXX and also Equifax. Both attempts to resolve this and have it removed from my credit report were unsuccessful. Equifax even went into detail stating that any company that is given your SSN and information can run a credit check without your authorization, there is nothing you can do about it, and disputing it will not result in it being removed from your credit check. This is preposterous. I did not want this credit inquiry and I would not have allowed a new account to be created if they had explained to me what they had planned to do. There is no reason a credit inquiry should have been done on an existing costumer that already had a good-standing account. This was the second inquiry on my account in the past two years done for the same service. One by XXXX and now another after XXXX sold their company to XXXX. When I contacted Equifax on XX/XX/XXXX to initiate the dispute, they completed the investigation on the same day which proves they did not actually investigate the issue and generated an automatic response. When I tried to add a statement to the investigation result as explain in the report from Equifax, the website link they provide does not provide anywhere to include a response to your file. I have exhausted all available resources. I want a full investigation into this and want it removed from my credit report. I did not authorize a credit inquiry and was not provided with notification a credit inquiry would be done.

Company response to consumer: Closed with explanation