BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have wrote letters asking for an investigation of a couple accounts that's listed on my credit report. I either get stall letters from XXXX stating that I don't have a credit profile or I can't use a third party. I have never used a third party and I have sent letters with legal documents to correct my personal information so I can get a proper investigation. I have informed XXXX, XXXX, AND experian of the accounts in question and they send me letters just saying the account was verified. I asked for the method of verification along with additional information and they continue to send me letters stating the investigation is complete and verified. They don't tell me how it's been verified. Also, they are reporting different information from other credit bureaus. I have submitted disputes about this as well and asked them to delete these accounts, if all bureaus are getting the same information from the same company they should not be reporting different information within all 3 bureaus.

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 2020-09-29
Company: Self Financial Inc.
State: MA
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Experian Information Solutions 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 submit a dispute to Experian, and advise them that a negative account is being reported twice. I have tried on 2 occasion to try and resolve this issue with Experian customer service which has meet with negative results. 

As a result I have been unable to find housing due to having this issue 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 2016-03-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
I checked my credit report and found a small credit card debt with Macy 's ... but the bill was going to the wrong address. It 's gone into default.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX and I'm submitting this complaint without any influence fromany third party or agencies. Please see attached documents and ID as is contains my full complaint and request.

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 2017-01-19
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My balance never seemed to go down only up. Too much interest. I do n't make enough to make a payment and support my family. Too many calls harassing about missing payments but never got a a call when I made a payment. The loans are more of a burden on me than anything that 's happened in my life. My education seems like a joke to have to be repaying all this money that in the end keeps on adding up and not decreasing. I have never been able to get a good repayment plan or help on getting smaller payments. The interest is the only thing that I feel that I am paying and not the actual loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: RICHLAND HOLDINGS, INC.
State: NV
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:
RE : Richland Holdings , Inc. d/b/a ACCTCORP OF SOUTHERN NEVADA We firmly believe this debt collector regularly violates the FDCPA rights of the consumers against whom it collects. 
In our case, specifically, they took a debt approximately worth {$2900.00} and within 2 years turned it into {$10000.00} ( that 's over 3,000 % in interest and fees ). Further, the interest rate, 24 %, which they claim to have used in our case is excess of the max penalty of 19 % assigned to the contract tied to this debt which was with XXXX. This debt collector enriched itself unjustly in my case by misrepresenting the amount that is owed and charging exorbitant interest fees on top of the original debt. 
I would like this company Richland Holdings , Inc. d/b/a ACCORP OF SOUTHERN NEVADA to be investigated for false representation of the amount owed and unfair practices, which are both violations of my rights under the FDCPA, and for predatory business practices and unjust enrichment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was taken to the hospital I was employed at, we have insurance thru this same hospital, all insurance claims were to be sent to our hospitals insurance carrier i never received a invoice for anything then all of sudden when checking out my credit report this doctors group had sent it to collections, now it appears on my credit report twice as the first collection company sold it to another, this is not right, I paid my copay for the services rendered and if you look up the history of this doctors group they do this all the time, several complaints have been filed against this group, which basically all they are a traveling doctors to fill in when hospitals have shortage of medical staff.

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 2022-02-24
Company: Factor Trust
State: TN
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: Investigation took more than 30 days

Complaint:
the company Factor trust has a non working number and will not respond to any disputes abount infomation i disputed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: Chrysalis Holdings LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received an offer to refinance that included a free appraisal. After I provided sufficient personal information, employment details and home details I was contacted and told that based on a XXXX value they are unable to proceed and pay for my appraisal. I feel I was discriminated against and discouraged from continuing the application. This practice is abusive and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an account back in 2015 that i used to cash checks. One day I learned that they manually canceled a check i wrote online to the copyright office without my consent so I immediately closed the account for that was a very personal act. A few months later I went into a location on the better side of town to discover it was never closed. I went through the closing process a second time after informing XXXX location what occurred. I later went into another location where the teller began to act funny when i told her my issue. This was the location near the university i attended. I believe it is a network of university students doing this to other students they observe on campus for politically motivated reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I contacted the credit bureaus on numerous occasion in regards to erroneous items on my credit report. I tried reaching out to XXXX, Transunion, and XXXX. I have yet to receive any documentation and its investigations have extended longer than the 45 days. I am now requesting these erroneous items be removed from my credit 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 2017-05-22
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: Was not notified of investigation status or results

Complaint:
Experian is reporting information on my credit report that I requested to be validated. I mailed a letter of dispute on  XXXX / XXXX / 2017  in regards to an account,  XXXX   XXXX  Bank, which is reported on my credit report. Experian sent me a letter informing me that the account was verified. I wrote another letter of dispute on  XXXX / XXXX / 2017  requesting proof of the validation of this account. Experian then sent me a letter informing me that they will not reinvestigate this information again unless I send them additional information to support my claim.     Under the Fair Credit R eporting Act, 15 U.S.C. 1681g I have the right to request that the Experian disclose to me all of the documents that they have recorded and retained in their file at the time of my request concerning the accounts that they are reporting in my credit report. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if they do not investigate AND respond, Experian must delete the disputed information from its files.      I only wanted to see proof of the validation of this account. I can only assume that there was no investigation into the matter being that there was no evidence was given to me about this account. By publishing these inaccurate and unverified items on my credit reports and distributing  them to 3rd parties, Experian is damaging my reputation and credit worthiness.

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 2016-08-28
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Central Credit Services has badgered my client about a debt was that incurred over 8 years ago and that was paid and that has been barred by the statute of limitations for over four yearsXXXX

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 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I use to work for a company back in 2013 that went bankrupt shortly after my departure as an employee. I moved on with my life and studied XXXX and became a XXXX XXXX XXXX for one of the biggest XXXX XXXX in XXXX. I recently noticed credit card account reporting on my credit report that i had never opened and never used at first i was very confused because there was no explanation to how it got there. When i dug a little deeper and called chase to try and resolve this issue i found out that it was a Business credit card that belonged to the company i use to work for. I never had any idea that this account was linked to my social security number. I tried to resolve this issue with both the Creditor and the credit bureaus but the account is still reporting on my credit report as if it belongs to me. Not only the statue of limitation already passed ( Its been Over 7 years ) the account is being reported as a collection and with a balance of more then 5,000 dollars.

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 2020-09-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX county recorder shows a lien file XX/XX/XXXX with a balance. an individual chapter XXXX bankruptcy XXXX debt in 11/2014. I have disputed item multiple times and lien is not removed and balance remains. I had filed a chapter XXXX XX/XX/XXXX that was dismissed and maybe a duplicate file or the original debt was joint and my individual chapter XXXX makes me not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Direct Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have recently started to receive phone calls from a company that identifies as Direct Recovery Services calling from XXXX this week. When I answer it is a recording and threatening to take action by XXXX if they do not hear from me. I was contacted today by my husband, mother and ex-husband that they all also received same call asking for me. I have attempted to contact company but they hang up on me and threaten to sue. I have yet to hear what they are attempting to collect. Sounds like a scam to me.

Company response to consumer: Closed
Consumer complaint received 2020-09-29
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: Information belongs to someone else

Complaint:
I use to work for a company back in 2013 that went bankrupt shortly after my departure as an employee. I moved on with my life and studied XXXX  and became a XXXX XXXX XXXX for one of the biggest XXXX XXXX in XXXX. I recently noticed credit card account reporting on my credit report that i had never opened and never used at first i was very confused because there was no explanation to how it got there. When i dug a little deeper and called XXXX  to try and resolve this issue i found out that it was a Business credit card that belonged to the company i use to work for. I never had any idea that this account was linked to my social security number. I tried to resolve this issue with both the Creditor and the credit bureaus but the account is still reporting on my credit report as if it belongs to me. Not only the statue of limitation already passed ( Its been Over 7 years ) the account is being reported as a collection and with a balance of more then 5,000 dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX BANK XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Ive been a Santander account holder for a little over a year now and Ive had some hard times come and I ask the company for a payment deferment and they tell me my account is in excellent standing that I should n't have an issue being approved. So I wait the 2weeks they told me it would take for a " Manager '' to decide my approval and I never receive a call or email, so I take it upon myself and call them. They then tell me I was denied because I was not past due atleast 10 days or more. I do n't think its right to accrue late charges and interest for every day after the 10 day grace period they have, if its not easy for customers with great payment history to be approved. Not to mention the loan is way more then what the vehicle is even worth, even for it being a newer vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I use to work for a company back in 2013 that went bankrupt shortly after my departure as an employee. I moved on with my life and studied XXXX and became a XXXX XXXX XXXX for one of the biggest XXXX XXXX  in XXXX. I recently noticed credit card account reporting on my credit report that i had never opened and never used at first i was very confused because there was no explanation to how it got there. When i dug a little deeper and called XXXX  to try and resolve this issue i found out that it was a Business credit card that belonged to the company i use to work for. I never had any idea that this account was linked to my social security number. I tried to resolve this issue with both the Creditor and the credit bureaus but the account is still reporting on my credit report as if it belongs to me. Not only the statue of limitation already passed ( Its been Over 7 years ) the account is being reported as a collection and with a balance of more then XXXX dollars.

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 2016-02-09
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MCM, Inc has made numerous illegal attempts to collect a closed XXXX XXXX account. XXXX XXXX sent me a letter stating that MCM was never authorized to collect this closed account. this is criminal activity. pursuant to the FCRA MCM is legally bound to compensate me for the harm they created. due to MCM 's false collection reporting I have suffered the following : -unable to obtain better employment - unable to obtain a mortgage loan -unable to obtain an auto loan -unable to obtain student loans for my XXXX children -unable to obtain a loan for my husband 's direly needed XXXX surgery - I have suffered XXXX

Company response to consumer: Closed with explanation