BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rash Curtis is attempting to collect an unverifiable and canceled debt. This is for medical services provided by XXXX founder and partner XXXX XXXX. Rash Curtis refuses to contact XXXX who has stated that he is not collecting the debt. The Billing company that he used XXXX XXXX and XXXX XXXX no longer works with XXXX and does not have billing records for this alleged debt. Their number is XXXX. XXXX XXXX can be reached at XXXX XXXX XXXX, XXXX, CA, XXXX ( XXXX ) XXXX Rash Curtis has refused to contact the provider who owned the practice that the alleged debt originated from. XXXX XXXX stated that he would be the individual responsible for deciding if a bill went to collections. 

The XXXX is no longer valid for the practice and they have no information about the debt. Rash Curtis has refused to get current verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is still reporting a delinquency which is more than 7 yrs old and will not change their reporting status after multiple attempts through the credit reporting agency. The original delinquency began XX/XX/2009. they are a 3rd party collection agency and began their reporting when they took over the loan, which is incorrect. Per the fair credit reporting act, they are supposed to start reporting from the original delinquency date. Therefore, this reporting would not be on report because it is beyond the 30 day reporting status. Included are the documents stating the actual date and the credit report showing their reporting date. The credit reporting agency said they cant make them report correctly but that it was illegal. I have sent the same information to the credit reporting agency but to no avail. Please help me, to confirm they are incorrect in their reporting so I can clear this off 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 2016-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Original dispute case number unwilling to correct Describe what happened so we can understand the issue ... 

all fraudulent inquiries : XXXX XXXX/XXXX/XXXX BK XXXX XXXX XXXX/XXXX/XXXX BK XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXBANKXXXX 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 XXXXBANK 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 XXXXBANK XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX as well they do n't list that i only now have XXXX XXXX account and the credit limit is XXXX i have told these people and told these people about my ex wife becoming upset over child support issues and trying to ruin my credit and they fail to do anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Recently I noticed on my credit report a late payment mark was sent to the credit bureaus for my auto loan. I was never 30 days late and I even called ahead of time to make a payment. A payment arrangement was agreed upon and shortly after I received an email confirmation. I always make sure I pay two separate payments which was agreed upon for my payment plan. Proof shows that I made a payment on XX/XX/XXXX for {$250.00} and another payment on XX/XX/XXXX for {$250.00}. I don't understand how I could be 30 days late when I called ahead of time, received confirmation and made the second payment as soon as possible. There was no consideration taken due to hardship of finding work due to Covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
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:
On XX/XX/2021 I contacted Experian by mail and on XX/XX/2021 they were contacted by phone regarding a fraudulent account. This company attempted to place this collection on XXXX six months prior and I provided documentation showing a police report had been filed surrounding identity theft. The item was deleted and now it has reflected on Experian.

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 2021-04-26
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received an offer in the mail under my name to open a Citi checking account for a bonus of {$1500.00}. I opened the account on XX/XX/2021 and started to make deposit to my account XXXX a total of {$190000.00} XXXX. Detail below : XXXX XXXX, 2021 CITIBK XXXX XXXX TRANSFER {$20000.00XXXX XXXX  XXXX, 2021 CITIBANK , N.A . DEPOSIT - {$12000.00XXXX XXXX XXXX, 2021 CITIBANK , N.A . DEPOSIT - {$160000.00} A couple of days later, I realized that the online bank account started to get restricted. I could not be able to see my recent activity and make any transfer to or from the account. I called customer service and was then directed to call the Fraud department. I was told that the account was closed due to a " negative report from other institution?! '' and said " the account will be closed in 60 days ''. When I asked about what will happen with the remaining fund in the account, the representative said " unfortunately, the account has been closed and under investigated within 60 days '' and hung up on me. That was really unprofessional for a reputable bank like Citi. 

I will contact my bank which the fund was transfer from and have them reverse all the transfer and retrieve my fund. I will not wait 30-60days for your " investigation '' without informing me about the account closure.

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 2016-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed XXXX incorrect addresses reporting on my credit with Transunion over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, XXXX, GA 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 2021-03-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX**** Please remove the late mark on this account and update the status to current and paid as agreed. 




Please correct this with all haste. Thank you for your attention. I apologize for being so angry. This oversight on your part are causing me a lot of trouble financially.

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 2016-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion deleted all inquiries prior to XXXX 2016. They reinserted all the inquiries a week later without proper notification being sent. Since then I have contacted TransUnion via telephone multiple times, I have also written letters that were sent via certified mail. They have been uncooperative in correcting this matter. All inquiries prior to XXXX 2016 needs to be deleted and my credit report needs to updated to reflect the most accurate information. Please help me to ensure that TransUnion follows the law. Thank you for your assistance.

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 2017-01-11
Company: ALLY FINANCIAL INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've asked this company several times to remove themselves from my Credit Report. Please have them removed from my Credit Report as they 've been leaching on it since XX/XX/2014!!!

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 2021-03-12
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I THE ORIGINAL CREDITOR am exercising my rights and find the following third-party entities which have no legal rights, in violation of federal laws. I have sought out the enforcement of the FTC as these alleged accounts have been continuously being illegally Verified as accurate, and stating that I The Original Creditor, owe this alleged debt. 

***XXXX XXXX is a third-party debt collector** ***Phoenix financial is a third-party debt collector*** ***State Collection service is a third-party debt collector*** *** XXXX XXXX XXXX is a third-party debt collector*** *** XXXX XXXX XXXX is a third-party debt collector*** Adhere to the federally mandated guidelines or face civil liability which is enforceable by the FTC. Each entity/person/corperation/third-party/agency/affiliate is with proof in clear violation and my federal law, must pay me in a valid check in the amount of {$14000.00} for these violations. 

XXXX, XXXX, and XXXX should be aware they are reporting false, misleading and deceptive Information, and can be found liable as the third party debt collectors if they do not immediately cease reporting these illegal and alleged accounts. 

This is the last chance to cure for each entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was working in a company that obtained a merchant account with the referred collector ( XXXX ). This collector has reported this above mentioned account as an open revolving past due account on my credit after the business has breached the contract with them. 
1 ) This account belongs to a business account and not an individual account. 
2 ) This account has been reported to my credit as a loan that was taken, and stated I missed payments. 
3 ) I believe that collector has violated the Fair Credit Reporting Act procedures in order to add more pressure on me to collect extra money that was never lent to 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 non-monetary relief
Consumer complaint received 2021-03-12
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in response to CFPB case XXXX. 


You failed to answer my inquiry and instead sent me the same response as last time which is just a list of amounts you claim that I owe. The document I sent you is dated for XX/XX/2019 when I was IN the Emergency Room and shows that I was provided an uninsured discount. 

Please review the information above and send me my itemized information WITH the uninsured discount. Talk directly to the hospital if you need because you are absolutely trying to collect on money not owed. I will also be going through the FTC and XXXX to have this resolved as this is illegal. I can also deal with the hospital themselves and make arrangements through them to pay off the debt if you can not communicate with them to have this updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery bought a credit card account from XXXX XXXX I opened in XX/XX/XXXX. The account has never been any activity on the account since XX/XX/XXXX. As of XXXX, the statue of limitation is expired and should be removed from my credit bureaus. 

Portfolio Recovery Assoc. has fraudulently made payments to an account that is outside the statue of limitation. A payment of {$1.00} was made by Portfolio Recovery to the account to bring the account current. 

Portfolio Recovery then proceeded threaten to suit me and finally file a law suit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates XXXX XXXX. This is not my credit card. It is showing in collections on my XXXX account. This account does not belong to me. the amount due is {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have disputing a DISMISSED bankruptcy since XX/XX/2020. It has only been verified by public record which ANYONE can place items in public record! The BK courts can no longer legally verify the information therefore it needs to be removed! Since the bureaus didn't respond to my first complaint I submitted another dispute with them on XX/XX/2020 and again on XX/XX/2020. This is uncalled for the lack of what the bureaus are REQUIRED to do!

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 2016-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 

I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as date and place this account was opened and information regarding the payment history as this account is unknown to me, i have no records of owning this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Continues to call after asked for verification. States I will be served or arrested. 
Continues to call from numerous numbers across the country to mask their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: FC HoldCo LLC
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
i submitted payment to my auto finance company, they never presented it to my bank, but they told me it failed, to go through, not nsf, but failed, i had the funds available in my account on XX/XX/2016, they never attempted to collect so that they could continue to collect daily interest!! in turn when i submitted my next payment, it went 100 % to interest!!

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 2016-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery has refused to remove a debt off of my credit report after being paid in full. They refused to accept payment and had me pay an outside law firm then once the debt was paid with the law firm Portfolio now refuses to remove the debt. They maintain that the debt still has a balance after being paid with the law firm. Portfolio has taken the stance that until they get " paid '' by the law firm for the amount owed that they will not remove the debt from my report. I have provided them with a pay off letter from the law firm and even told them I would send bank statements showing the removal of the funds from my account. Even after they have received this information they will not take the debt off of my record and tell me to contact the law firm that was paid and tell the law firm to pay them the funds. When I contacted the law firm they said that I need to contact Portfolio. I have been pushed around between Portfolio and the law firm that represents Portfolio. I am unable to obtain credit due to this breakdown in Portfolio 's system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received XXXX letters claiming I medical debt from XXXX. I called XXXX and asked if my account was current. They claimed I owed no money and that they did not use Transworld Systems Inc as a debt collection agency. I called Transworld System Inc and they said for Hippa reasons they would not verify my debt until I gave them my birthdate and also wanted my social security number. I told them I would not discuss the debt further or give them any personal information until they could verify the debt. They refused citing hippa.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
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 am reaching out to seek the deletion of 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.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with my lender, HFC for almost a year to get a modification. The reason I am filing a complaint is they give me contradictory updates when I call them to check the status of my mod. I last applied XX/XX/XXXX, and was told that my file had the necessary bank statements. XX/XX/XXXX I was told that my statement was missing a page. I asked to speak to a supervisor and they told me one would call me back. It has been 7 business days and I never received a call. This is just the latest action they have taken to keep from reviewing my file for a modification. They continuously tell me documents are received and complete, and then change the story weeks or a month later. They never acknowledge the previous info I was given and instead tell me that it 's simple to just send the info again. But without honest communication from them, that is impossible. I would like them to know that I have filed a complaint so they will hopefully treat me and my situation with more respect. I am doing everything I can to work with them, but they seem unwilling to work with me, but never say that to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation