BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-24
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On  XXXX   XXXX  ,2017 I was  offered a settlement to pay off a collection in the amount  XXXX  and they would remove this from collection and report it as paid in full. It 's now  XXXX   XXXX  ,2017 so  I contacted the credit bureaus and I was told that the company was still reporting it as a collection. I spoke with  XXXX   XXXX  extension #  XXXX  where she blatantly lied to me telling me they have reported to the bureaus on several time s  XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX  of 2017 as  being paid in full.Once speaking to the bureaus I was told this was incorrect and they are still reporting as unpaid. I called back to speak with the company and was told that since I agreed to a settlement that it 's never gon na say paid after they offered me the settlement stating that it would be updated as paid in full. They are giving out false information and once I called back with these allegations they were very rude and unprofessional

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted t he Better Business Bureau  and reported incident Reported to  The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.

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 2022-10-07
Company: EQUIFAX, INC.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: SYNCHRONY FINANCIAL
State: PR
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:
Greetings, I have been struggling for months with an identity theft in which I have made thousands of steps and I still have not found someone to help me properly. I notified all the relevant agencies including the FBI, I keep trying to get SYNCRONIX bank to delete an account that I have not authorized to open and they want to charge me and they even sent me the card with the information they asked me for when I called to report That account did not belong to me. My credit score is still affected by this whole situation. I have my own business and it has affected me greatly since my accounts are all up to date and because of this situation I have my credit for the flat. I hope you can help me. I don't know English, but if you write to me I can translate on a page. This is a nightmare and everything is in English.

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 2019-11-29
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Issues : 1 ) I found unauthorized transactions that were NOT credited : XX/XX/XXXX XXXX XXXX XXXX   {$75.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$50.00} XX/XX/XXXX XXXX XXXX {$220.00} XX/XX/XXXX XXXX {$21.00} XX/XX/XXXX XXXX {$100.00} The total is {$470.00}. 

2 ) Also US Bank responded to Case No. : XXXX that : On XX/XX/XXXX US Bank mailed a Cashier 's Check for refunds totaling {$570.00}. 
3 ) Also {$710.00} was Never Received. 
US Banks XX/XX/XXXX letter sates " we are unable to verify your address you provided in your CFPB complaint ; therefore, we are submitting to CFPB, '' and 4 ) outstanding is XXXX XXXX {$140.00}. 
I request the Cashier 's Check be picked up at an XXXX XXXX, IL location or forward checks to XXXX XXXX, XXXX. XXXX XXXX, XXXX, IL 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 2022-04-10
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ProCollect, PCI, is a collection company based in XXXX. I have been receiving phone calls from this company every week starting XXXX XXXX. The company would call and its an automated message. The automated message is set up for you to return the call. I honestly thought it was a scam. So, I rejected 98 % of the phone calls. On XX/XX/22, I received a phone call by an individual. On the XXXX, I called the phone number the individual called me from and entered the extension. On the phone call He informed me of the {$110.00} debt owed to my previous complex, XXXX XXXX formerly known as XXXX  at XXXX XXXX XXXX, for utilities. I hadn't received any information by mail by PCI or the complex. So, the individual informed me that he would be sending my invoice in the mail. So, I would have until the 9th to dispute the charges. Furthermore, I asked the individual if he could email me the invoice and he said that he was unable to email due to laws or something. I contacted XXXX XXXXt, on the XXXX and on the XXXX. On the XXXX, I emailed PCI and the complex with my proof. My proof is a check, I rarely write checks, cashed and I wrote on the check my last rent payment on the check. For years, I have done this when leaving a complex to indicate that I have spoken the manager on site and discussed my final bill including utilities. Before I sent the email, I tried to speak to a PCI supervisor on the phone because neither the individual or representative on any phone call could give me any information further and unwilling to send me to a supervisor. Then the representative informed me that since I hadn't received the letter yet, I had until the XXXX of XXXX. The last phone conversation I had with the company was at XXXX to inform me that a photocopy check with the words Last rent payment will not suffice. I told her on the phone to stop calling me and i'm not paying the debt and you can take me to court. 
I still hadn't received any email or phone call from XXXX XXXX on my email about the debt should be cleared. 
Today is XXXX XXXX and to date I still haven't received any information about this supposed debt.

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 2020-04-20
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Citibank refuses to remove me as an authorized user on my mother 's credit card. Both my mother and I have spent over 7 hours on the phone with Citi Bank on XX/XX/20 and XX/XX/20 respectively. We were transferred around endlessly between different departments, each saying they do not have the authority to process the request because my mother is on a repayment program, and I must talk to the department who last transferred us. It doesn't appear anyone at the company is capable of performing this routine function. 

Even though the account was closed nearly 3 years ago, they only started reporting my authorized user status to credit reporting agencies one month ago, which caused my credit score to drop 20 points in 30 days, so it is not a trivial matter. 

My belief is that Citibank wants to keep me as an authorized user and apply credit pressure in case my elderly mother dies or defaults on payments so that they can come after me, despite there being no legal justification for keeping me on the account that they can cite. Not only is the account closed, I haven't even had a physical card for this account or initiated a purchase on it in nearly 10 years. 

I don't believe they have the right to keep me on the account, or to continue reporting my involvement with the account to credit agencies after both the primary account holder and I have made more than reasonable attempts to sever my involvement with 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 non-monetary relief
Consumer complaint received 2020-03-26
Company: Nelnet, Inc.
State: VA
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:
In XXXX I applied for and was granted XXXX  XXXX status. I provided proof from state of Virginia XXXX XXXX   XXXX and my Dr. completed documentation. my {$3000.00} loan was discharged. In XXXX I received a notice asking if I was employed. I called Nelnet ( loan holder ), explained I could not work. They asked that I send email stating such, which I did. They were contacted again in XXXX the year XXXX XXXX were XXXX  in my XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating my loan is in default and my Social Security funds will be offset. I contacted the Department of Education on The evening of XX/XX/XXXX after waiting on the phone for 40 mins. To speak a representative comes on the line tells me I needed to reapply for XXXX XXXX every three years  until the end of my life. She said my check will be taken and she rudely hung up as I was asking questions. On XXXX XXXX I contacted Nelnet, they explained they received the email they requested from me but I neglected to sign it. 
I also sent a hard copy letter with signature. When I asked for a copy they couldnt provide one, but they informed me that Ill need to reapply. They said they could not stop my Social security checks from being taken. Im a XXXX yr. old senior with an XXXX yr. old Ill mother. Well be homeless if they confiscate my funds. Ive written them all to no avail. I asked them to reinstate me. They refused. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
4 accounts with Capital One were charged off in XXXX. In XXXX, monies were paid to all the 4 accounts charged off because the XXXX cruise was canceled due COVID-19. During the validation period, I informed Capital One and the collection companies that the amount claimed was not accurate. Capital One refused to acknowledge monies credited to the 4 accounts and then sold the accounts to Collection companies. The collection companies were also informed the amounts are inaccurate and refuse to credit the accounts properly, Capital One has credited only one account and not all accounts and has sold accounts to collections companies indicating in inaccurate amounts owed and the credit collection has updated my credit report to reflect amounts that are inaccurate. I requested validation during FTC law and regulation of the amounts owed and they have failed to validate the amounts actually owed for each account. Based on FTC law, the account should be settled and my credit report should be updated to reflect that the accounts are settled and closed without reflecting a derogatory entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I initially did a dispute through XXXX and XXXX and XXXX to verify this account. It was considered unverifiable and removed from my credit report in XX/XX/XXXX, After sometime the account was readded without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
My name is XXXX XXXX acct # see attachment The Credit reporting agencies and Best Buy are claiming I have late payments and it is affecting my credit score and damaging my creditability. They are reporting 2 miss payments when I know i made those payments and have the statements from both of my banks to prove it. 

I reported this with the company and they reported it to the bureaus. please see attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove numerous fraudulent, unauthorized inquiries from my credit reports that were not made by me.

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 2017-10-28
Company: NCC Business Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NCC BUSINESS services keeps trying to ruin my credit by charging me for something that is not mine! Ive tried to dispute and identity theft! They have threatened me when I call to ask for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have two student loans with XXXX formerly XXXX. I paid one loan off in XX/XX/XXXX. My credit reports show the account paid in full in XXXX. My credit reports were not updated in XXXX or XXXX with this Information. I filed a dispute in XXXX and my credit reports were updated to show paid in full and account closed. All of my payment history was removed. The next month XX/XX/XXXX I filed another dispute to have the account deleted from my credit reports but it was not updated. I called XXXX on Friday XX/XX/XXXX. I spoke to a woman who advised me to file a dispute with the credit Bureau. I told her I did and nothing happened. She advised that I write a letter to the credit division department of XXXX and ask to have the account deleted. She also told me that they delete accounts that are paid in full after 90 days. I told her that it's been over 90 days. She repeated herself and advised that I write to the credit division department of 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 2015-08-08
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Back in XX/XX/XXXX, I file a complaint against this business with the XXXX, " Conn 's '', concerning theirs illegal collection and calling practice. I file a cease and desist letter with this company to stop calling me concerning their practice and they tell me only my cell phone number is on that letter and they can still harass me on my house number. Since they can tell me this and try to harass me when payment is not late, XX/XX/XXXX I had enough and stop paying them all together. These account was open XXXX and I was never late on paying my bill. Since XX/XX/XXXX they been calling my house phone with ghost number at least 4 time a day on a regular bases. Now they place it on my credit report and damage my credit and they believe I am going to pay them. They will never receive a payment from me as long as they continue their practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Walwick, Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have outstanding bill with  XXXX   XXXX  in  XXXX . The bill started at  XXXX  I have been making payments to the account. The hospital has received several notices from my insurance company asking them to fix documentation and send new documents. The hospital used the incorrect coding. I have tried myself and keep getting the run around. My insurance company is  XXXX . Hospital sent me to collection without any notice for a bill that I have been making small payments on. I have called medical records and you can only leave a message. I have gone down to the office and they always seem to be away and you can not speak to anyone. This is no the first time I have had a billing issue with this hospital.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account is stating incorrectly previously reporting account as collection/derogatory both at the same time with a balance of {$410.00}. There is no way that account can be in derogatory if its in collection already And stating incorrect date less active and date last reported along with date open. Account has too many in accuracies already. I disputed account with XXXX XXXX and XXXX as I do not recall having this account open yet results came back incorrect. Results to my dispute came back stating account open when previously was in collection. How can that be possible?! Payment history was previously not reporting and now experian is reporting consecutive charge off as if it was some sort of payment method payment can not report on a dead account. Date last active is reporting as XX/XX/21 with XXXX while date open is reporting as XX/XX/21 this is a total mistake. There is no possible way that account has recorded the day last active before the account was even open.!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Dear CFPB, I have sent several letters to the agencies regarding inaccurate information in my credit file. The bureaus claim the account is verified. The inaccurate information remains in my credit file and has impacted my file negatively. Now I would like to file my CFPB complaint formally. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance to FCRA, Section 611 A through D, They are supposed to let me know who they verified with. I asked them to delete anything that is not 100 percent accurate. I have a lot of inconsistencies between the 3 bureaus, below I have listed them out for you. 

TRANSUNION Account Name : XXXX XXXX XXXX  XXXX Errors Found -open Date is not uniform with all 3 bureaus -Last reporting date is not uniform with all 3bureaus -last active is not uniform with all 3 bureaus -Date of last payment is not uniform with all 3 bureaus XXXX Account Name : XXXX XXXX  XXXX Errors Found : -open Date is not uniform with all 3 bureaus -Last reporting date is not uniform with all 3 bureaus -Last active is not uniform with all 3 bureaus -Date of last payment is not uniform with all 3 bureaus XXXX XXXX Name : XXXX XXXX XXXX Number XXXX Error found : -open Date is not uniform with all 3 bureaus -last reporting date is not uniform with all 3 bureaus -last active date is not uniform with all 3 bureaus -Date of last payment is not uniform with all 3 bureaus I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms, is an admission of guilt and a direct violation of my rights of a fair investigation. I am not sure how They can state it was verified. How is it possible that TransUnion, XXXX, and XXXX all verified the accounts above as accurate coming from ONE source, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. 

At this point, I demand this account to be deleted immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report to the address below after they have completed the deletions Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you for your time,

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