BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: Experian Information Solutions 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:
I recently obtain a copy of my credit report from XXXX, XXXX, Experian and XXXX is being reported as a negative public record on my credit profile. I contact the CRA 's to disputed such derogatory information and was advise that they did very the information to be accurate from XXXX XXXX. Therefore, the information of such allegedly bankruptcy will remain. I then contact XXXX XXXX who assured me in form of letter to my address on file stating information for XXXX XXXX has been unverifiable and was already removed from my public records. If XXXX XXXX did not provide this information, that means the CRA has lied and is in violation of my consumer protected rights when they publish this information on my credit report. Violation # 1 Pursuant to 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy Violation # 2 Pursuant to 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction The credit reporting agencies ( XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX continue to report these items on my profile. 
Experian DID NOT DO PROPER INVESTIGATION and ALSO FAILED TO REMOVE the NEGATIVE PUBLIC RECORDS WHICH DOES NOT BELONG ON MY REPORT

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 2022-02-14
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit of 3 checks at the ATM of US Bank at the XXXX XXXX XXXX in XXXX, OH on Sunday XX/XX/2022. Check # XXXX, XXXX, and XXXX for a total deposit of {$1700.00}. The ATM was experiencing issues and the deposit was pending and then disappeared. US Bank re-deposited the checks however they were cashed during the first attempt so the second attempt was returned. I have been trying to get US Bank to correct the issue now for 3 weeks. I have sent proof that the checks were cashed successfully and the second attempt is what was returned but I keep getting the same response asking to reissue the checks. However XXXX the company who wrote the checks will not re-issue has they have proof they have been cashed.

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 2017-09-05
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: Account status incorrect

Complaint:
please find attached the letter from the creditor XXXX XXXX, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to equifax and XXXX. 
equifax does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2021-04-19
Company: Quality Asset Recovery LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt Collection account was opened XX/XX/2021. I have not been notified of this debt by Quality Asset Recovery LLC. I sent a letter to verify and validate this debt XX/XX/2021. It was received XX/XX/2021. There was no response. I then sent a follow up letter informing them that they have failed to validate this debt with me or notify me of this debt in writing of any sort within the allotted 30 days, sent XX/XX/XXXX and was received XX/XX/XXXX. ( ALL Mail Sent by me via Certified Mail ) ( No mail or letter sent from Quality Asset Recovery to me ) Quality Asset Recovery has not notified me once or contacted me once in regards to this debt, opened now 3 months ago, which is a violation of the Fair Debt Collection Practices Act. They also failed to validate this debt when prompted within the allotted 30 days, which is also a violation of the FDCPA.

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 2020-08-24
Company: ID Analytics, 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 did not authorize a credit pull from this company ( I've never even heard of this company ) and they're reporting an artificially low credit score by  over XXXX points lower than the reputable credit reporting agencies. 

One of the denial reasons for this report was " Distance between address and area code of phone '', while my address is exclusively within the boundaries of the area code that I carry. 

When attempting to access my report and subsequently freeze, the company is requesting copies of drivers ' license and social security card, which I will NOT provide to them, as they seem like an illegitimate company that was utilized by XXXX for improper credit denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: TX
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 letter to the 3 Credit Bureaus XX/XX/2022 to update and correct this suspicious accounts listed below. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my previous complaint and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I 've had my Capital One Master Card for over 10 years, I got it during college to build my credit. My credit has substantially improved and for the past 5 years or so I called capital one and tried to cancel and they would waive the {$49.00} membership fee to keep me as a customer. Last year I called to try to have to fee removed for good, and the rep stated that could not be done. He did once again offer to waive it because I 've been a long time customer. He also stated if I call every year around this time I could get it waived, I agreed to keep the card because of this. I also told him to notate my account that he stated that. Today I called capital one and was told they could not remove the fee because their policy recently changed. I escalated to the supervisor and told him the rep last year said I could get it waived this year which is why I chose to keep the card. He reinforced the new policy and stated that if everyone got fees waived capital one would not make money. I told him I was misled into keeping this card, his answer remained unchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXXXXXX XXXX XXXX XXXX XXXX I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31
Company: Kenneth, Eisen & Associates, Ltd.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have been working with XXXX since XX/XX/2017. I asked for EOB to help resolve any unpaid debt. Upon receiving the EOB I called to speak with XXXX about inconsistency and incomplete bills which they said I owed. XXXX was not in the office so I spoke to XXXX. XXXX began to yell at me and tell me " YOU OWE US THAT MONEY AND YOU BETTER PAY UP ''. I tried to ask him to calm down and discuss this issue and he continued to yell, " YOU DO N'T HAVE OUR MONEY DO YOU ... THAT 'S OUR MONEY AND YOU HAD NO RIGHT TO SPEND IT, YOU BETTER GET OUR MONEY AND PAY US NOW '' I hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Medical XXXX Balance : {$200.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$110.00} XXXX XXXXXXXX Balance : {$300.00} Medical XXXX Balance : {$230.00} XXXX  XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$120.00} ; XXXXl XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; Medical XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$230.00} ; Medical XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$850.00} XXXX XXXX  XXXX Balance : {$2100.00}.

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 2022-03-10
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:
This complaint is in correspondence to complaint id : XXXX. Experian has responded indicating they will not investigate the " XXXX XXXX XXXX '' account again without new information because the credit grantor has already verified it. However, They still haven't provided proof of the method of verifications after the many requests through mail. They haven't provided any documents whatsoever but are inaccurately stating that this account belongs to me. I have not received any proof of debt or document signed by me that validates the debt but they insists that this account is verified. Laws in 15 USC 1692 have been violated by this companys action and so are my rights. They are indicating that the information that I presented is irrelevant but Experians date of last activity is not consistent with the others, it states the account is past due and repeatedly reports collection every month, it reports an increase of balance and at some point in time stated the collection account status was open. I have provided the proof, this information is relevant because they are not in compliance with FCRA guidelines. Why insist something is verified with no proof, why can't they provide the method of verifications.

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 2020-02-14
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The servicing company Loancare XXXX, they NEVER call me back after having calls dropped and them not calling back and they never have a answer when i do talk to them, they always say that they will call back but never do and then i get a XXXX letter in the mail with no answer and the same thing i can see on my online profile.

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 2019-11-18
Company: The Outsource Group, Inc
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it may Concern : MEDICREDIT Corporation # XXXX**** This is a legal NOTICE AND COMPLAINT REQUESTING documentS and request for proof of claim, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under NEW JERSEY LAW Pursuant to N.J.S.A. 2A:19-13, the assignee The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward XXXX XXXX XXXX : White v. Hart, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. 
I also request to see a certified copy of any contract or agreement between you and XXXX-XXXX  XXXX  XXXX that gave you the right to collect this 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 2021-05-05
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: Account status incorrect

Complaint:
On my XXXX and Experian credit report, XXXX ( Account Number : XXXX ) is reporting an incorrect account status as Repossession and reporting a late payment every month. The accurate account status is Charged Off. I requested that this account be updated and the credit bureaus said that the creditor verified this account and it will remain as is. They have now verified it six times. XXXX is deliberately reporting outdated information to intentionally degrade my credit score. The latest status is a charge off and no payment history should be reporting.

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 2019-12-02
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
My account was in forbearance due to unemployment around the middle of 2019. Around XX/XX/2019 I get a notification that my credit score dropped over 120 points. Upon looking into this I discovered that XXXX reported it being over 90 days past due when it was not, the account was in financial hardship forbearance. When I called them to clarify this they stated that my account was 90 days due & that they never received any paperwork for the forbearance which I had mailed out to them earlier in the year. They are refusing to correct the 90 days past due on my credit reports & that they contacted me but I was not contacted at all, I reached out to them once I discovered the inaccurate reporting. If they were sending mail it was to an old previous address which I no longer live at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: HYUNDAI CAPITAL AMERICA
State: VT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new XXXX XXXX  XX/XX/22. The finance staff at the dealership spelled my last name wrong on the the paperwork. I have made several calls to Hyundai Motor Finance Customer Service ( HMFCS ) and sent them the documentation they requested and they still have not made the name change. 

I wish to payoff the vehicle but I can't since the title would be incorrect thus incurring additional finance charges. I am having trouble registering my vehicle since the name on the paperwork does not match my correct name. 

I have been told my supervisors at ( HMFCS ) that they can do nothing until someone in XXXX XXXX TX. contacts them and the can not reach anyone there to make the change.

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 2022-03-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company received my request to opt out and delete any and all information this company may have on file for me. I did NOT give them consent/permission to create a file and/or supply any information to any other company. 

The company received my request XX/XX/22 ( return receipt confirmed usps # XXXX ), but I have not received a confirmation letter stating my demand to be completed. It is currently past the 30 day period for them 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