BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 have two capital one credit accounts that were opened fruadently under my name. Both accounts are now " closed '' on my report, since I've made my first complaint, but they still aren't removed from my report. I need them removed from my report immediately as they are negatively impacting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am eligible for student loan forgiveness because I am a XXXX XXXX XXXX working in an impoverished school district. 
However, I keep getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a Bank of America account that was settled back in XXXX Until today XXXX is reporting incorrectly which is a violation of my FCRA rights. This account has been settled and the creditor has sent a letter of deletion. XXXX is reporting inaccurate information its still showing as a charge off account XXXX is the only reporting agency reporting this account. I have sent several disputes to experian and they will not remove and when they dispute bank of america is not even getting the dispute

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 2022-09-19
Company: Oliver Adjustment Co.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Healthcare provider is attempting to collect an amount from me that has already been paid by my insurance company. The amount billed conflicts with the Explanation of Benefits. I contacted the Healthcare Provider who said to ignore invoice until they have researched the issue, however, the Provider turned it over to a collection agency without further notice to me. The Provider billed {$85.00}, the Explanation of Benefits confirms that the Insurance Co. paid {$57.00}, disallowed {$27.00}, and my responsibility for the charges is {$8.00}. However, the Provider billed the entire {$85.00}, in affect trying to collected from me the {$57.00} already paid by the insurance and the {$27.00} above the negotiated amount. 
Finally, I have no agreement with these people to pay anything, however, I'm willing to pay my portion of {$8.00}, if billed properly. My Doctor used this XXXX  without informing me or asking me what pathologist I would be agreeable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Professional Credit Management, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Went to the XXXX room XX/XX/XXXX or XX/XX/2020 I had insurance at the time. Some how they failed to update my insurance. They have placed a medical collection on my credit report for {$160.00}. I have called the collection agency along with the imaging center and updated my insurance with both of them. Also, a law was passed XXXX collections agencies are not able to report medical bills under {$500.00} the collection agency is professional credit management

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 2020-04-16
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Agency Hunter Warfield is attempting to collect an alleged debt from me in the amount of {$1500.00}. This has been going on since XXXX of XXXX. I have received several letters and numerous phone calls from them. 
I responded to them in writing several times by certified mail explaining that this is an unverified debt. They never investigated my concerns, only attached a copy of the lease from the original claimant XXXX XXXX. 
They say this verifies the debt and case closed. 
This case originated when we signed a 3 month lease for an apartment with XXXX XXXX. They were paid in full. 
I am attaching documentation explaining in detail all the events that occurred which led up to the fraudulent charge by XXXX XXXX. I am also attaching a copy of the UNIFORM ELECTRONIC TRANSACTIONS ACT ( XXXX ). XXXX XXXX violated this law when we signed the lease electronically. They inhibited us from printing or saving a copy of the lease for review. This illegal policy by XXXX XXXX led to a misunderstanding between the two parties. XXXX XXXX renewed the lease automatically without our knowledge or approval resulting in a fraudulent charge of an additional months rent. XXXX XXXX refused to resolve the issue in a fair and business like manner. They only threatened us with a collection agency and here we are

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 2022-09-19
Company: EQUIFAX, 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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transworld systems listed a debt on my credit report without notifying me of the attempt to collect the debt and providing proof/validation of the said debt. Which is illegal, they are supposed to provide a letter providing me notification of the said debt or giving me the opportunity to dispute the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2022-11-27
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reviewed my credit report and have discovered inaccurate personal information that must be immediately investigated. These addresses, phone numbers, and misspellings of my name show several items inaccuracies and do not show my true credit history. I also discover the account from Credit Acceptance Corporation has sold the vehicle and or auctioned the vehicle, but is trying to collect {$16000.00} at the original vehicle price.

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 2022-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I contacted Portfolio Recovery requesting for them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. As of date they have not provided me with this information they keep sending me letters/statements saying that I owe {$2800.00}, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. Your assistance in this matter is greatly appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 contacted XXXX and I noticed that I have these hard inquiries in my credit report, I do not recognize these and they were not authorized to be carried out by me, this is causing me a serious problem since my credit score is falling too much due to this, below I list the hard inquiries which I need to be removed immediately from my credit report 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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.

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 15 U.S.C 1681c. ( 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 antedates the report by more than XXXX years. 

15 U.S.C. 1681s-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 non-monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-07-28
Company: EQUIFAX, INC.
State: MN
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 checked my updated personal credit report and I noticed that there are unauthorized credit inquiries and inaccurate information reporting on my personal credit report. I request that CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate information listed on my credit report If, once their investigation is complete, find my allegation to be true, please remove these items as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-06-24
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I became aware of unusual withdrawals on my checking account that I have with Bank of the West located in XXXX, Ca. I have been a customer of Bank of the West for about 15 years with no complaints. Recently, I have had issues with purchases or withdrawals made online that were not authorized or made by me. The amount of disputed charges ( starting on XX/XX/2022 ) totals {$910.00}. My bank investigated only {$320.00} of these charges and completed their investigation. However, there is still more than {$600.00} missing. I am providing my bank statement with questionable charges highlighted in green. I am also submitting the correspondence from Bank of the West regarding the investigation of only {$320.00}. I have still not received my new debit card nor any more correspondence from my bank regarding the investigation findings or if the funds have been reimbursed to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There was no accurate button to press. I paid off this debt collection from XXXX, original creditor- Debt collector Enhanced Recovery Collections. I was advised when I paid in full that it would be removed entirely from my credit report once they received the check. It has not since been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: NV
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 XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-09-19
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had an account with this company, yet they have reported a delinquent account on to my credit bureau.

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 2021-08-03
Company: EQUIFAX, INC.
State: WV
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:
Equifax Workforce Solutions ( The Work Number ) fails to send full disclosure report after multiple requests. The Work Number fails to send the report and repeatedly continues to request identification and proof of address, despite that information being sent with each request. Summary of requests : XX/XX/21 via standard mail requesting a full disclosure report - I included high resolution copies of state ID, passport, and a utility bill. I received a request for id and proof of address dated XX/XX/21. On XX/XX/21 I mailed, via certified mail bearing tracking XXXX requesting full disclosure report - again I included high-resolution copies of ID, passport and electric bill. Their response was to send yet another request for ID and proof of address dated XX/XX/21. These companies hold an enormous amount of power over consumers ; It is not unreasonable for consumers to expect their responses to be timely, unambiguous and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Upstart Holdings, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Other advances of future income
Issue: Issues with repayment

Complaint:
On XX/XX/2023, I took out the personal loan of {$50000.00} with 23 % interest rate, being convinced by a scammer. This scammer scammed me with XXXX investment and got me take out loans including the one from Upstart. 
After I noticed I got scammed, I called Upstart immediately ( on XX/XX/XXXX ) to seek any help they could provide to me. They couldn't lower the interest rate nor help me with their hardship program. Most importantly, even though I explained this loan was related to a scam I experienced, they said they can not do anything with it. Although the fund was arrived in my bank account, it was immediately transferred to blockchain and transferred to the scammer. 
I am hoping Upstart to reconsider this situation and write off the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting 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 have a checking account with XXXX XXXX, and they use XXXX as an option for us to check our credit score and changes on our reports. 

On XX/XX/XXXX I received XXXX alerts on my credit wise that my SSN was associated with an address and name that Im completely unaware of. 

The report made to XXXX it says was on XX/XX/2023, both of them, but I received the alert on XX/XX/2023. 

Kindly advice

Company response to consumer: In progress