BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been contacted by capital one collections multiple times via my cell phone and work cell phone about a debt I have never received any verification or validation. I have asked Capital one collections to stop calling my phone and to communicate by postal mail only as they are violating the Telephone Privacy Act. I am going to file a lawsuit against the company if communication is not ceased immediately. The fine for every call after I cease and desist is {$1000.00}. 

I have also tried to contact XXXX at the office of the president multiple times and left a voice mail. XXXX sent a letter full of useless information that I did not request. I am seeking to establish a settlement for the auto loan that went into default for {$3000.00}. I am not requesting the account be removed or deleted, although if that's an option, I would like to take advantage of it. If not, I will settled with the status of the account being changed to " Paid in Full '' as opposed to " Settled ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: MO
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 filed a complaint with the XXXX 6 months ago with respect to Experian. Experian finally completed their investigation and fails to correct the reporting status of XXXX XXXX. In XXXX of XXXX, I did file bankruptcy and clearly stated I was going to be reaffirming my mortgage. In XXXX of XXXX, XXXX sent notice that they were transferring my loan to XXXX & XXXX bank. I was not allowed to reaffirm with XXXX because they were in the process of transferring the loan and stated that any reaffirmation would have to be made with XXXX & XXXX bank effective XX/XX/XXXX. I did reaffirm my loan with XXXX XXXX XXXX Bank, however, Experian continues to incorrectly report that my XXXX mortgage was discharged through bankruptcy. My Bankruptcy was not discharged until XX/XX/2017, at which time, XXXX was no longer in possession of my mortgage due to the transfer making this information false. I even have a letter from XXXX from XXXX clearly stating they were inaccurately reporting my information and that it was service transferred and not discharged through the bankruptcy. Experian has an obligation by law to not only complete disputes in a timely fashion, which they failed to do by taking 6 months, but they are also legally obligated to report accurate information. Their failure to do so despite having all of the necessary documentation to correct this makes them in clear violation of the law. As this is not the first dispute with Experian about this account and they continue to violate the law by incorrectly reporting the details of the account by using data checkers instead of actually looking at the evidence provided, I respectfully ask that they delete the XXXX account.

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 2017-06-06
Company: EQUIFAX, 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:
There is a fraudulent    XXXX   XXXX   XXXX    account on my credit report. I have sent an affidavit with a notorized police report stating the false account. The account was opened somewhere a round  2014  and is for an amount totaling around {$15000.00}. I have requested by an affidavit that they provide me with th  e ORIGINAL contract signed which is stated by federal law through the FCRA Section 609 ( a ) ( 1 ) ( A ). They have still not provided me with it. In Texas every creditor is required to be bonded through the Secretary of State in which the    XXXX   XXXX   XXXX   is not. Please remove all accounts from my credit report immediately. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
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:
There is a fraudulent Department of Education account on my credit report. I have sent an affidavit with a notorized police report stating the false account. The account was opened somewhere arou nd 2014 and is for an amount totaling around {$15000.00}. I have requested by an affidavit that they provide me with the ORIGINAL contract signed which is stated by federal law through the FCRA Section 609 ( a ) ( 1 ) ( A ). They have still not provided me with it. In Texas every creditor is required to be bonded through the Secretary of State in which the Department of Education is not. Please remove all accounts from my credit  report immediately. Thanks.

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 2021-11-13
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:
I submitted a dispute with Experian for the company XXXX XXXX. They received the dispute on XX/XX/2021 Report Number XXXX. How is it POSSIBLE to complete an investigation on XX/XX/2021 when the other reporting agencies are still investigating? Experian 's website says : If you file a dispute to correct what you believe is an inaccuracy on your credit report, the credit bureau you notify must complete an investigation within 30 days ( or 45 days in certain circumstances ), according to the U.S. Fair Credit Reporting Act.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
By federal requirements youre all supposed to investigate certified mail that I sent you. Over the course of the last six months I have spent my hard earned money to be able to afford sending you mail that you guys are required to investigate.

You all should be ashamed of yourselves as companies you guys have caused me a great deal of anxiety and stress Once again each unless one of you companies are willfully noncompliant when it comes to my affairs.Let this be your final warning and I notice to all of you.

My attachments are attached to this complaint.

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 2019-12-08
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: NY
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:
MUFG Union Bank, N.A. sends promotional emails to existing clients to induce them into spending more on their existing Union Bank accounts, with offers, among many : " Earn up to a {$50.00} statement credit on your everyday purchases. Here 's how : Click the Activate button for this special offer by XX/XX/XXXX Then simply use your card to make purchases during the promotional period from XX/XX/XXXX through XX/XX/2019. 

You will be rewarded with either a {$25.00} statement credit when you make at least {$500.00} in Eligible Purchases, or a {$50.00} statement credit when you make {$1000.00} or more in Eligible Purchases during the promotional period. '' Once activated and met spending requirements bonus never get posted to the account Customer service representative on the phone does not see the promotion on the account. However, the email has been sent and enrollment confirmed with a separate email. The spending requirement of {$1000.00} during the month of XX/XX/2019 has been meet. The {$50.00} statement credit never posted to the account.

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 monetary relief
Consumer complaint received 2022-04-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
By federal requirements youre all supposed to investigate certified mail that I sent you. Over the course of the last six months I have spent my hard earned money to be able to afford sending you mail that you guys are required to investigate.

You all should be ashamed of yourselves as companies you guys have caused me a great deal of anxiety and stress Once again each unless one of you companies are willfully noncompliant when it comes to my affairs.Let this be your final warning and I notice to all of you.

My attachments are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a fraudulent Department of Education account on my credit report. I have sent an affidavit with a notorized police report stating the false account. The account was opened somewhere around  2014 and is for an amount totaling around {$15000.00}. I have requested by an affidavit that they provide me with the ORIGINAL contract signed which is stated by federal law through the FCRA Section 609 ( a ) ( 1 ) ( A ). They have still not provided me with it. In Texas every creditor is required to be bonded through the Secretary of State in wh ich the Department of Education is not. Please remove all accounts from my credit report immediately. Thanks.

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 2019-12-08
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I received my XXXX XXXX County, Kentucky property tax notice for my home. The gross amount of my taxes was {$2000.00}, but I called Mr. Cooper ( my mortgage company ) to see if they would pay it early so I could get a small discount and pay only {$1900.00}. The person who helped me on the phone said that she would make a note for early payment. 

On XX/XX/2019 I received a notice from Mr. Cooper stating that my taxes were paid. However, the information in the notice did not match my property. The notice said that taxes were paid for the wrong property ID in the amount of {$2600.00}. Once I noticed that the property ID number did not match my own, I contacted Mr. Cooper and let them know. When I looked up the property ID, I found that it was the property of my neighbor who is in a homeowner 's association with me. Meanwhile, my escrow funds had been used to pay my neighbor 's property taxes, leaving my escrow account with a negative balance. 

On XX/XX/XXXX I contacted Mr. Cooper and let them know about the error and requested that I speak to a manager. I was told that the issue would be researched and taken care of, but it still has not been resolved. My taxes still have not been paid, while my neighbor 's taxes have been paid twice. 

This is issue also occurred last year, and I ended up having to use my savings to pay my property taxes to avoid having a lien put on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
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:
While recently Checking my credit file I found that your Company has added a derogatory Line on my Personal Credit Report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from XXXX XXXX XXXX, I am also unaware of the amount due and your Derogatory Remark does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is this : Validation of debt HIPAA authorization signed by myself. 
Provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Your Company and the Medical Professional/Company that Contracted you are in Violation of these laws among others : Subtitle D of ARRA Sec. 13401 ( Application of Security Provisions and Penalties to Business Associates of Covered Entities ) Subtitle D of ARRA Section 13407 ( 1 ) - ( Breach of Security ).

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent up to {$5000.00} per incident plus costs. I will await your reply with above requested proof. 

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is reporting a negative balance that I do no not have for {$74.00}. I have included a dispute ; letter detailing.

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 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To : CFPB Date : XX/XX/2019 AC # XXXX THERE IS A BILLING ERROR : REQUEST FOR ACCOUNT DETAILED AUDIT OF THE INVESTIGATION! 

THIS LETTER IS TO INFORM YOU THAT THERE IS A BILLING ERROR COMMITED BY XXXX  XXXX XXXX! I AM REQUESTING A DETAILED AUDIT OF THE INVESTIGATION! 

MY CREDIT CARD STATEMENTS WHERE TURNED OFF! XXXX  XXXX XXXX IS BLAMING ME FOR TURNING OFF MY CREDIT CARD STATEMENTS! I NEVER REQUESTED TO STOP RECEIVING PAPER STATEMENTS! AT NO POINT DID I REQUEST TO STOP RECEIVING PAPER STATEMENTS! 

I DO NOT ADMIT TO THE ALLEGATION THAT I CLICKED ON ANYTHING ON THERE WEBSITE TO TURN OFF PAPER STATEMENTS!!!! 

XXXX  XXXX XXXX RECORDS CLEARLY INDICATE THAT I DID NOT RECEIVE PAPER STATEMENTS FOR MONTHS! THIS CAUSED ME TO MIS MY XX/XX/2019 PAYMENT! I NOTIFIED XXXX  XXXX XXXX OF THIS PROBLEM ON XX/XX/2019 VIA PHONE AND BY LETTER ON XX/XX/2019 AND THEY NOTIFIED ME THAT THIS WAS MY DOING! WHICH IS A LIE! 

I AM REQUESTING DETAILED INFORMATION THAT I REQUESTED MY STATEMENTS TO BE TURNED OFF! I AM DEMANDING WRITTEN PROOF OF THIS REQUEST. PROVIDE AUDIO PROOF OF THIS REQUEST, IF I DIDNT SIGN ANYTHING REQUESTING PAPER STATEMENTS NOT TO BE MAILED TO MY HOME THEN THERE IS NO PROOF I REQUESTED STATEMENT NOT TO BE MAILED TO MY HOME! PLEASE PROVIDE DETAILED WRITTEN PROOF! PLEASE PROVIDE WRITTEN OR AUDIO PROOF OF THIS REQUEST WITH MY SIGNATURE! 

IF THEY CAN NOT FURNISH THIS INFORMATION PLEASE REMOVE IMMEDIATELY MY 30 DAY LATENES OF MY XXXX  XXXX XXXX ACCOUNT! 
UNDER THE TRUTH IN LENDING ACT, THE FAILURE OF A CARD ISSUER TO SEND A BILL IS CONSIDERED A BILLING ERROR!!!!!!! 
Update my XXXX  XXXX XXXX Credit Card payment history. Remove the 30 day late in XXXX of 2019. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 2022-03-22
Company: Experian Information Solutions Inc.
State: MI
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:
i am a consumer by law and my information was misused and has accounts being reported without my consent.

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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these accounts below be removed 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 explanation
Consumer complaint received 2017-06-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is about unfair and unsound banking practices that will result in a foreclosure sale scheduled for  XX/XX/XXXX  of my deceased mothers home that I inherited. After my mother died in  XX/XX/XXXX  and inherited her home I made several attempts to have my name added to the loan to continue the monthly loan payments without any success. On  XX/XX/XXXX  the bank performed a lockout before it had legal ownership of the property. My mothers property was compromised and the bank offered no relief. On  XX/XX/XXXX  I made application with the bank to have my name added to the loan. On  XX/XX/XXXX  I was informed by the bank that I did n't qualify to have my name added to the loan because I was not residing in the home at the time I made application. How can I prepare the home to reside in or sell when the bank had locked me out before it had legal ownership of the house? I recently gained entry into the house and found that the house was in need of repairs before I could move into the home or sell the home to pay off the note and save my equity that I inherited. I have also reapplied for loan assistance with the bank loss mitigation department in an attempt to qualify to reside in the home and at the same time listed the home for sale sell to payoff the loan. I have an offer on the home to sell that is being negotiated at this time. I have also included an approved Florida Supreme Court form that gives reasons why the foreclosure sale should be canceled for  XX/XX/XXXX . Because of the difficulties I have had with the bank in assisting me with the home I inherited after my mothers death I believe that the bank has engaged in unfair and unsound banking practices that are offensive and contrary to Florida public policy. I request that the foreclosure sale for  XX/XX/XXXX  be canceled and given a fair opportunity to reside or at the same time negotiate a sale of the house that I inherited to save my inherited equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being charged for something my insurance should be paying. This charge is a result of an incorrect coding by the hospital for simple lab work as part of an annual medical visit that is always covered by my medical insurance. My doctors office says this happens frequently with XXXX. I have contacted them multiple times to ask them to resubmit and they will not. The collections is hurting my credit score and is something I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke to a manager and an employee was told they dont do Debt Validation letter to prove the debt is mine. Told me they sent one already I said I never got one and they told me they dont have validation letters just itemized bills that I have to send in personal information to get. Told me from XX/XX/2019 I have a bill for over XXXX}. Told me I could dispute it but will not give me anything to further know about the bill. And I do not want to claim the bill if its an error. The company was Financial Recoveries in New Jersey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief