BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: Fairway Capital Recovery, LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
During my visit with XXXX XXXX XXXX XXXX XXXX in XXXX, OH 2021. I approached them about a dental service that was going to be out of pocket costing {$500.00}. At that time, the company was owned by both XXXX XXXX XXXX then sometime during 2021, both owners decided to part ways without my knowledge and any notification that the remaining balance will be sent to collections. Unfortunately, the company did not do proper due diligence by asking current patients to pay any outstanding debt before their split. My service was transitioned to XXXX XXXX group which I continued to work with but my debt was with XXXX who was never my dentist XXXX XXXX was my dentist ) - Now due to this action, the debt owed was sent to collections without any attempt to collect the unpaid money from the patient. 

I am disputing that my debt was never was supposed to be sent to collection because I was never asked to pay the remaining balance as I was still working with the dentist so I had every intention to pay. I am requesting the cancellation of this matter.

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 2021-05-26
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today, I was notified by email by " XXXX XXXX '' that my credit score fell to " bad credit '' ( from XXXX to XXXX ). I could see that they took the information from Transunion and reported it to me. I called Transunion to report the fact that my activity had not changed and should not warrant a drop to a " bad credit status ''. I also explained concern because two years ago I had posted fraud alerts with all major credit reporting due to identity theft. Transunion failed to address my concerns and said I needed to get " XXXX '' to explain the drop in score. I contacted XXXX via email and they said to contact Transunion. I have reached out every way I know how. There was NO interest in resolving my problem on the part of either company. I want the companies to explain how someone without any credit cards can have an abrupt change in credit score. Two years ago I closed every credit account I had to prevent further identity problems. I had an XXXX score before the identity theft. After I closed all accounts my score was about 600. Over the last two years the score climbed to XXXX. I made no changes during the two years. I made no changes recently and yet, today they reported my credit score dropped from XXXX to XXXX ( bad credit ). I worked hard all my life, mostly at two or three jobs at a time to make ends meet. I paid all my bills on time. I never made any mistakes. But I am being punished over and over with jolting " bad credit '' reports. If this is how a hardworking American is treated, there is something seriously wrong with these credit reporting companies. And as a Us Citizen, I am not being granted any information about what might be happening at these credit reporting companies. I am asking that the Consumer Financial Protection Bureau act on my behalf to correct this " bad credit '' report. I should be seen as a very good credit risk because I have always handled my credit responsibly, even when I had the identity theft two years ago. Please help. Thank you.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have disputed the inaccurate late payment for XX/XX/2020 showing on 23 student loan accounts with XXXX XXXX XXXX  and each time the credit bureaus stated they have investigated the issue and come back that the late payment reporting is accurate. I now have documentation from XXXX XXXX XXXX stating this late payment that is being reported is indeed incorrect and that it should not be reporting as late. Also the balances reported are incorrect. Therefore this shows that the investigation that the credit bureaus supposedly conducted was flawed.

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 2017-04-19
Company: RIA FINANCIAL
State: MN
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi, An online transfer request of  XXXX  $ was made on   XXXX   XXXX   XXXX     through  RIA fro m  US  to  XXXX . The receipt showed that amount should be delivered by  XXXX  which did not happen. When called on  XXXX , customer support told recipient account was entered wrong and re initiated the transaction making changes.The new estimated delivery was said to be  one day w hich is on   XXXX / XXXX , this wa s on call with customer support, but new receipt showed   XXXX   XXXX   and they confirmed that receipts show differently to original delivery date. Amount was not deposited even on   XXXX   XXXX   but the online status showing as deposited. When called about this, they claim that the amount is deposited, but the recipient ban k manager confirmed th at amount is not still deposited. I have the online snapshots of recipient account showing no amount deposited and RIAs order tracking status along with time stamps. They tell something on call which is entirely different when checked online. This is really needed right away for my family as its causing lot of damage and extra penalty as we were unable to pay the loan at recipients account because of delay in this transfer. I can provide all the receipts and order status snapshots and also request to track the call recordings to get clear proof on how the customer service is falsifying the information to that of online . I hope CFPB w ould help to resolve this complaint as soon as possible and reply back with positive feedback.

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 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have contacted TRANSUNION several times on the   XXXX   XXXX   account that has been paid in full since  XX/XX/2017   . I have tried to get them to update the credit report and they refuse to do so. I am going to be seeking legal advice at this time. They are reporting misleading information on my report, and I have a legal right to dispute this information and also to have it reviewed and updated. This account is paid in full as you will see in the evidence submitted.

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 2017-08-28
Company: Experian Information Solutions Inc.
State: MD
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:
In XXXX of 2017 I wrote to XXXX, Experian and XXXX  asking them to verify several accounts that were unbeknownst to me and I have yet to see a response nor a change in my report. The accounts are as follows : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-10
Company: Rocket Mortgage, LLC
State: WA
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:
On XX/XX/2021 XXXX/QUICKEN LOANS INC made an unsolicited Hard Inquiry into my credit report. I was alerted via XXXX XXXX XXXX and verified that the inquiry appears on my XXXX  credit report. 

On XX/XX/XXXX I called XXXX and was informed they have no record of the inquiry. I also called Quicken Loans and was informed they have no record either. 
Quicken Loans informed me I should call XXXX and have it removed. I called XXXX, and they stated that Quicken Loans would need to send a letter retracting the inquiry. 

On XX/XX/XXXX I called Quicken Loans and was connected with XXXX XXXX, who said she would investigate the issue. She also found no record of the request. 

On XX/XX/XXXX I emailed XXXX XXXX from Quicken Loans and she stated " We would not be able to remove this inquiry as we have no record of the credit pull. The team member that you spoke with prior to me also stated that we do not have record of that credit pull. If we do not have record of the pull, we are unable to send a letter. We would have to provide them a credit report number and a loan number to request removal. We do not have either or any other information for you in our system. '' On XX/XX/XXXX I replied and stated that I would be reporting this issue to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Regional Management Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Regional Finance loaned me {$5500.00} at 35.49 %. At the time of signing the loan they asked if i wanted certain insurance policies listed below. At no time did they advise me that I would be paying the 35.49 % interest on these products. In addition they should be required by law to inform consumers that the products they are selling-the extras- can be purchased from other companies- that their 's is not the only choice- especially since the high interest rate applies to these extras Please see below list of " extras '' I was sold with no knowledge of the interest or that there are other options- 1 ) Premium to Credit Life Insurance Company 2 ) XXXX XXXX XXXX XXXX Insurance XXXX 3 XXXX XXXX XXXX XXXX XXXX Insurance XXXX 4 )  XXXX XXXX XXXX XXXX for Non-Filing Insurance In addition I borrowed an additional {$1500.00} on XX/XX/21 and it looks like I was either charged again for these products or more charges were added on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: ATG Credit, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ATG Credit LLC  is attempting to collect a debt from me that I never established a contract with this company at all. Purchasing a debt and obtaining documentation or bills is not legal contract that binds to owe you any money at all. Furthermore  ATG credit LLC is in complete violations of FCRA by placing negative tradeline on to my credit reports which is complete slander to my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Resurgent Capital Services L.P.
State: MO
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Resurgent Capital Services L.P.
State: CO
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:
its showing on my report that I have a debt collection with a company that brought a debt with XXXX XXXX Bank car loan, LVNV FUNDING is reporting that this debt was not paid, I called the company that manage this reporting and they could not find my account because it was paid off last year. I called XXXX XXXX about this and they sent a statement that the debt has been covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
I've attempted to obtain SCRA benefits for my account multiple times, and each time after providing American Express with the document requested ( XXXX XXXX orders ) nothing happens with no explanation. I am quite frustrated American Express is treating their legally required duties with the least amount of effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: MT
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:
Equifax and XXXX have refused to remove a Medical debt account from my credit reports with them, even though the account was listed as a collection accounts less than 180 days since it 1st became delinquent. The account is from XXXX XXXX XXXX ( reported via XXXX XXXX XXXX ) for {$4.00} and 1st became delinquent onXX/XX/XXXX. The account was published as delinquent and a collection account onXX/XX/XXXX, for a total of 173 days since 1st delinquency. There was a miscommunication with insurance but this debt has since been paid. I tried to dispute this account with Both credit reporting agencies ( Equifax and XXXX ) but they refuse to explain why they are still listed and have not updated the actual dates of 1st delinquency and date of 1st report as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2022-09-01
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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