BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to the fair Credit Reporting Act account # XXXX and XXXX has violated my rights Everything has to be 100 % inaccurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating an account was removed but the bureaus say it's accurate. This is grounds for removal. 

XXXX also violated the law because according to XXXX U.S.C XXXX section XXXX A. state 's I have a right to privacy XXXX XXXX. XXXX section XXXX A. section XXXX also states a consumer reporting agency can not furnish my account without written instructions. 

I did not give anybody written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Collection Management Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Back in XXXX of XXXX I went to the emergency room in XXXX for an injury. I have medical from XXXX that I provided to them and then later informed my insurance about the visit. Im XXXX of XXXX I noticed that I was getting phone calls from Credit Management Company saying I owed money. I was shocked as every party involved had my information. Over the next 2 years theyd call me every other day for months and it would stop for maybe a month after I call them and then back to every other day. Id call them give them my insurance information or call my insurance for them to call XXXX. On XX/XX/XXXX my insurance has called them and they covered the debt. My insurance said that everything was done and I should be receiving any more calls. I called XXXX back in XXXX of XXXX after my insurance covered it because XXXX started to call me back. I spoke to XXXX XXXX who I believe to be the owner of the company to tell her shes XXXX  me and my insurance has given her my information. She claimed they never called and Im still in debt. Im still receiving calls today XX/XX/XXXX and they still claim I didnt pay the debt. When I looked up my right I saw that is illegal for her to charge a medical patient and when I looked up her name and company it comes up as spam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Central Portfolio Control Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon routine checking on my credit report, I found a new collection account, as of XX/XX/2022, from Central Portfolio Control for {$13000.00} with the original creditor reported as XXXX. I have not used credit cards for six years, so there is no possibility that a new collection account could be opened on me. I have never had a XXXX account with a balance that high and I am currently paying on two other smaller XXXX accounts. I received no notice about this debt, so I was not given the opportunity to dispute this debt as is my right. I attempted to dispute this twice through XXXX XXXX to no avail. Central Portfolio Control is not following the CFPB rules with regard to collecting debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is trying to scam me out of {$480.00}. On XXXX XXXX, 2014 I made a payment of {$330.00} to XXXX County District Court as a part of settlement reached with presiding judge for a PARKING ticket. Now, TWO years later this company " Transworld Systems Inc. '' somehow got hold of my case number and is trying to scam me out of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : 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 XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.

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 2017-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have attached XXXX documents, XXXX is a police report in which the capital one secured credit cards were part of the report as they were stolen and XXXX witnesses informed me and my partner XXXX at the time, that indeed it was capital one credit cards that were stolen from us that were used without our knowledge. I have not once been out of view of CAPITAL ONE and tried to work with them as they also put all XXXX secured card in collections, even knowing about the idenity theft. If you look at other document it contains to of the XXXX accounts, all XXXX were not only part of the idenity theft but as you see that I made a huge payment of {$220.00} on XX/XX/2012 even though the cards were stolen and I could paid the {$50.00} liablity, I paid the whole thing. My credit line was {$400.00}, {$240.00} of that was a deposit of mine. My last purchase came in on XX/XX/XXXX of under {$4.00}. If you see here obviously I closed the card around a last payment and transaction and around idenity theft robbery. But with all XXXX cards 7 months later, EVEN AFTER last purchase posting was 7 months prior, the card remainded open yet 7 months with tons of interest rates and membership fees and weird transaction rebills and then all of a sudden I owe {$360.00} on a card that I have a {$400.00} limit, {$240.00} my deposit and I made a sizeable payment at end. So, it doesnt take a scientist to figure out, several upon several FCRA regulations were broken per card. And I tried to work with them but they refused to call me, and the sent my stuff to IRS which this needs to be handled, I am more than disgusted and I am fuming. This is disgusting, and this is whats even worse, on the document with account ending in card XXXX which was the prior one I discussed, you will see an account ending in XXXX. I am gon na leave this one brief and simple you see where it says capital one said to me that the account as not a secured card. First of all I had XXXX secured cards with them, due to robbery and identity theft issues, I only could get secured cards and the credit line was {$750.00}, CAPITAL ONE does not have a {$750.00} unsecured card. Not only that I put {$600.00} down on the card as a deposit, I have asked CAPITAL ONE to show me proof that it was not a secured card and they have refused to send any proof. This is a very serious situation and needs to be handled. I am have put well over 15 hours a week or more into all this since it happened in XX/XX/2012 with the robbery and every else that happened to be responsible, this could have been prevented and with the XXXX CAPITAL ONE has broken even more FCRA regulations then the other XXXX cards. I am disgusted and want my life back and CAPITAL ONE Needs grow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
The University XXXX XXXX attempted to take tuition payments directly from me after I withdrew instead of deducting the payments directly from the students ' loans. I withdrew because the quality of education I received from the University XXXX XXXX was extremely poor, the instructors would not help me and the courses I took at the school are pointless as my former and current employer will not accept them because the school is not accredited and the degreecourses are not accepted in advancement of careers. What the University XXXX XXXX is doing is illegal! You can not send student loan money in the form of a loan directly back to the lender and go after the borrower for collection. The University XXXX XXXX broke the lenderborrower contract without the student even knowing.I would the XXXX to remove the student loan information from my credit reports and cease collection of the XXXX in student loan payments for these courses that I can not even use to advance my career

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told the person to stop calling me, that I wasn't the person they were looking for. They continue to call from different numbers. I've tried to block the calls but they still continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-12
Company: EQUIFAX, INC.
State: GA
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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Report provided to employer without your written authorization

Complaint:
There is no wet signature printed by the following companies that I agreed to with the following companies that are posted on my credit report with XXXX non of the companies listed has a written signature to agree to such actions even some of those companies are listed 2 and 3 times and the credit bureau still refused to even remove duplicate copies is the same hard inquiry and I have tried multiple times on multiple occasions by sending letters via post office to there post box listed on the Gov site to have the three major credit beaus remove every last Hard Inquires XXXX - XXXX Experian. and creditor who can not produce a wet signature it is considered fraud. Can you please have all three beaus remove all items in including closed credit card accounts from my credit report immediately please. XXXX has provided me a case number. 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 2015-11-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX XXXX, 2015 I was booking tickets on XXXX XXXX web site when I was presented a pop-up, that offered a {$50.00} statement credit if I opened a Case XXXX credit card and charged the XXXX ticket to the new card. After several calls to both XXXX and Chase, which resulted in agreement that I should get the credit, followed by letters that state I did not follow some undefined procedure, they claim I am not entitled to the credit. I am still waiting for an explaination of what I did wrong, because the folks on the phone ca n't telll me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX  does not investigate discrepencies in my report.   the errors that I have requested be investgated fail to looked at.     additionally there is  XXXX -  XXXX   point difference in  FICO  score compared to   XXXX   and Experian.   when I call the  XXXX  number they hang up on me.   additionally they have advised me that I must pay to get an updated  fico  score and report update.     Experian continues not give me one update they dropped my fico score  XXXX  point for no reason!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello CFPB officials, Somebody made a payment to my credit card account with Bank of America. I spoke to customer service, they are unable to mark the payment as fraudulent. They are unable to remove the payment made to my account. I am concerned that either somebody has tried to make a payment into my account fraudulently or somebody has made a mistake. 

The amount paid via direct debit is {$940.00} on Saturday XX/XX/2020. 

Details of transaction : Transaction date : XX/XX/2020 PAYMENT DIRECT DEBIT - THANK YOU Transaction date : XX/XX/2020 Card type : Visa Transaction type : Payments Merchant Name : get more information about merchant name change PAYMENT DIRECT DEBIT - TH Select to Edit the merchant name Transaction Category : get more information about transaction category Finance : Bank of America Credit Card Payment Select to Edit the transaction category Online Transaction : N Type Payment - {$940.00} {$0.00} 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 monetary relief
Consumer complaint received 2022-05-05
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
These folks at XXXX XXXX are something else! They sold my loan a month after inception and the account is still showing active when I sign in to my account. I want this account closed in good standing on credit report. In addition, I paid them my first payment on XX/XX/XXXX and the new servicing bank has not received payment. I want to make absolutely sure this payment is applied on the date it was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CURO Intermediate Holdings
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:
these accounts are fraudulent! I've been disputing for about a year and they yet to provide sufficient evidence of these accounts. please remove them. and late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Under Federal Law, National Credit Systems had 30 days to validate my debt. They failed, my request was for the support documents to be sent to me via my e-mail or by certified mail. My rights under FDCRA, the collection agency has " 30 days '' to prove the debt was valid per my request. They did not e-mail nor send the documents to validate the debt certified mail within 30 days. 30 days and " 30 days '' only, not 45 not 60 days. Furthermore, National Credit Systems claimed to have mailed me the documents twice? I have the USPS app which shows me what mail is being delivered to me on daily basis and National Credit System never mailed anything to me. National Credit Systems has over 2600 complaints filed with the CFPB for the lack of response and lying about debt verification. National Credit Systems has lost numerous lawsuits for misleading and false debt verification, violating federal law, and illegal debt  collection methods. The fact of the matter, National Credit Systems did not provide validation of debt to me within the 30 days under the FDCRA. They can not prove to me the documents was ever sent to me by e-mail or certified mail as requested. National Credit Systems has a continued and documented pattern of violating federal law. I hereby demand they remove the debt immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a student loan that I did take out. I am really frustrated that when i had XXXX back in 2010. I was not allowed a deferment or a forbearance becuaeI was not actively looking for a full-time job. I would like consideration to have the interest during that time and thereafter to be removed from my account and re-adjust the amount I owe. I would also like to be able to refinance at a lower rate and have it retroactive to the time of the consolidation of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Other

Complaint:
I opened a Secured Credit Card with Capitol one, they received my deposit of XXXX dollars, on XXXX/XXXX/XXXX, they sent me a Card ( XXXX ), on or around XXXX/XXXX/XXXX I was notified that my deposit was not on record, and my account was going to be closed, I called then on XXXX/XXXX/XXXX and was told to disregard the letter account is in good standing, on XXXX/XXXX/XXXX the card was closed, I called then and they acknowledged it was a error and reinstated it ... again on XXXX/XXXX/XXXX it was re-closed and is no longer allowed to be re-activated, I was charged a yeary fee of XXXX just prior to closing, i Received a letter from them on XXXX/XXXX/XXXX stating by my request it was closed, absolutely false! 
and they reported it to my credit file as via my request? 
As of today XXXX/XXXX/XXXX I am without my XXXX dollar deposit, nor do I have a credit account, and their action dropped my credit score, they also in XXXX XXXX, inquired into my credit file with reporting agency over 14 times, causing excessive inquiries on my file, and I was declined for credit by them during this time due to too many inquiries ... 


As you can see via the letter dated on XXXX/XXXX/XXXX over a 12 month period of date prior, they 1 year later said they did not have my deposit??? / help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: NY
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:
According to the fair credit reporting act 15 USC 1681 I have the right to privacy, also according to to 15 USC 6802, No financial institution is supposed to share my information to third party people, my personal informations shall not be shared without my written consent, which I havent given you. This account below is Violating every single one of my consumer rights, informations on the account are inaccurate and I want it removed from my report. 

XXXX XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: ACS Education Services
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
ACS Education Services manages one of my student loans. The loan originated with a balance of {$11000.00}. Per the ACS website, my payments began on XX/XX/XXXX. Over the course of the past 57 payments their website shows that they have applied {$5000.00} to principal. This would leave me with a balance of {$6000.00}. However, they show that my current balance is {$9000.00}. I have two complaints against ACS. The first being that they are using fraudulent accounting practices resulting in a substantially higher account balance than it should be. Secondly, I substantially increased the size of my payments for 10 months with the instruction that the additional amount should be applied to principal. Instead of applying the additional money to the principal they have applied it to future payments. They are now showing I am paid up through XX/XX/XXXX. My attempts to get them to correct this misapplication of the payment has been unsuccessful. They told me that I need to call them the day the payment is received. If I 'm too early they wo n't be able to see the payment and ca n't help me. If I 'm too late and the payment is already posted then it will be applied to future payments and they wo n't correct it. Can you please help me resolve this so that I can pay off my student loan debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, 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:
I recently filed a report with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following collection agency has damaged my credit reports with false claims that I owe them. I have never signed a contract with this company agreeing to pay a debt. National Credit Adjusters

Company response to consumer: Closed with explanation