BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: Receivables Management Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So I never received any notices in the mail about this bill. I kept receiving calls and emails constantly and still receive calls. The last time I paid was XX/XX/23 through email even when I did pay they constantly contacted me. I eventually came to the realization that I shouldn't pay for a medical  service that I didn't authorize. I was admitted without my consent. For XXXX XXXX and I eventually called the debt collector explaining this and there is no way I was able to pay for this or was even XXXX XXXX to handle this. I asked them would you pay for something you didn't ask for or denied? And I said I was forced to be admitted by a police against my will and was given a bill for a service I didn't ask for. I said I couldn't pay for it because I was the only person brining income into my home and my family was growing, I said this was unfair and holding me accountable for something i didnt ask for and they basically said that they couldn't do anything about it and that they could only hit my credit once which it was more than once since I stopped paying. I dont understand how they could force a bill on me when I didn't ask for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/2019 XXXX XXXX of Midland Credit Management called me at work. I instructed him not to call me at work and to instead contact me by email. 

XX/XX/2019 XXXX XXXX of Midland Credit Management called me at work again. Rather than leave a voicemail, he left a message with a coworker. 

I have not received any correspondence from XXXX XXXX or Midland Credit Management via postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EQUIFAX IS NOT ACCESSIBLE FOR MY XXXX  XXXX. I am a XXXX yr old Target by Profile XXXX  Vicitim of Ideninity Theft case XXXX. FINANCIAL INSTITUTIONS ARE ESSENTIAL. See attatched XX/XX/XXXX EQUIFAX CINFIRMATION XXXX. ADA COMPLIANCE Accessible Design, states ALL electronic & technology ( websites ) MUST be accessible to people with disabilities. VCAG 2.1 ADA COMPLIANCE. Equifax PROVIDES NO ACCESS. ALSO I AM VICTIM TO EQUIFAX BREACH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Investigation took more than 30 days

Complaint:
I was advised in when I was making my XX/XX/XXXX mortgage payment that my XX/XX/XXXX payment was due. I paid my XXXX payment on XX/XX/XXXX and indicated that to my mortgage company. They advised that my payment was reversed on XX/XX/XXXX citing an " invalid account ''. I contacted my bank ( XXXX XXXX XXXX ) who confirmed the transaction was complete and no reversal was done. They provided me with a trace number. My mortgage company did their investigation and after 30 days requested additonal time for the investigation. In the meantime, they provided an update to the credit bureau that my XXXX payment was more than 30 days late, even though it was still XXXX and I made the payment and it was under investigation ). I also incurred late fees. Within a week they determined that I did owe the money and then cited that it was actually the XX/XX/XXXX payment that was paid and reversed. ( Which is also not true AND not their original complaint. ) I called the mortgage company and asked them to send me all of the records of the payments I made since this company had only purchased my mortgage in XX/XX/XXXX from my previous mortgage company. The agent advised that my account showed XXXX XXXX payments that were made and one was reversed. I only made 1 payment and it cleared so it appears there is some error on the part of the morgage company. I have made payments in each XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and it reflects this in their documentation. The mortgage company continues to show I am late and now owe my XX/XX/XXXX payment but I do not. There seems to be a glitch somewhere on their end.

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 2019-07-09
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:
Equifax and XXXX  are reporting incorrectly on the XXXX partial account number XXXX with a charge-off balance of {$720.00}. ( Please see page 2 of the attached credit report. ) XXXX is reporting a duplicate on this account as XXXX partial account number XXXX with a {$0.00} balance and {$0.00} past due. ( Please see page 28 of the attached credit report. ) This account needs to accurately report a {$0.00} balance and {$0.00} past due. This duplicate reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Westlake Services, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2023 I sent a debt validation letter to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, California XXXX. Today I receive a letter in the mail from XXXX stating that they are a debt collector and request that I pay a debt that was sold to them by US Auto finance , inc who is out of business and disputed the contract agreement we had. In turn I do not feel this debt is valid in the event that US Auto finance sold the debt to XXXX and breached the contract by not honoring the vehicle service contract or gap warranty I was paying for in my car payment every 2 weeks. In the letter I received today XXXX XXXX XXXX provided me with a new address to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, in a XXXX XXXX XXXX  meeting advertised under the XXXX XXXX chambers of commerce, a representative from First United Bank XXXX XXXX mentioned that the bank has community outreach that I can put business cards there on XXXX XXXX, I paid a visit to their branch at XXXX and I met XXXX XXXX, who claimed herself the assistant manager with XXXX on the spot. They talked about having free books there, and said selling book there putting promotional stuff apart from business cards. Based on what they said I decided to open an account. 

On XX/XX/XXXX, I brought the documents with my husband XXXX XXXX to open an account that is a checking account to try the service. I then talked to XXXX and noticed that her title is Senior Relationship Banker, about try to sell my book there and she offered to sell but with money donated to the school district. I then said that I contacted XXXX XXXX XXXX XXXX already that I will donate to them. She then said that they can set up a donation fund but start XXXX, putting the sales of the book to it and have the bank presented to the library. They will do a 3 month period. I then told the library the arrangement. 

XXXX originally said that she would be in the bank for my opening of account suddenly told me that she couldnt be there. After I Left the bank, she texted me in minutes saying I can put my stuff on XXXX branch as I have a clinic /office at XXXX Our texts communication : Hi XXXX XXXX I have a question : years ago, I coauthored a book with XXXX XXXX XXXX XXXX XXXX XXXX ) and other authors. I wonder if I can have donation sales in your bank and have your bank presents the donation to XXXX XXXX in XXXX which is a sub chapter of XXXX XXXX XXXX. And I have in Print-outs. 

I spoke with our Spend Life Wisely Ambassador who manages the books and donations and she mentioned we are not able to display books that have not been approved by corporate. Im sorry I know XXXX was trying to help out but I dont believe its something were able to do. 
We are more than happy to use you as our local spotlight at our XXXX XXXX or XXXX location still! 

I Open an account not because I want to be a spotlight although this is their offer on XX/XX/XXXX. 

I believe it is a misrepresentation and fraudulent business practice. 

Who can trust that they will allure me to purchase their services by saying that I can be the spotlight and later will eat their words after getting my money? 

This is the core of whats happening my husband XXXX XXXX can be a witness. I can understand a corporate decision on book stuff but not to cheat to get business. 

If this can not be resolved satisfactorily, I will file a complaint to federal reserve too!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
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:
Dear Sir or Madam : I am a victim of identity theft. My XXXX XXXX XXXX account ending in XXXX was having unauthorized funds withdrawn from it via online access. Upon discovering that my account was compromised XXXX transferred my balance of XXXX into a new account which ends in XXXX and restored my funds. The old account was suspended but not terminated, this allows for the automatic bill pays to still be made from this account. Long story short my above account for XXXX XXXX XXXX XXXX was paid but later reverse due to the account being frozen, fallout from the identity theft ( paperwork included ). I was not aware of this payment reversal and the next month payment was taken to cover this reverse payment. This happened for a couple of months. I was making the payments thinking they was on time when I was paying the last months note. This finally resulted in a XXXX late payment. I was alerted by XXXX XXXX  that I was 30 days late on my payment. I called XXXX XXXX XXXX XXXX and they explained that I had a reverse payment and they took the following payment to cover that payment. I quickly made a double payment to rectify this account. Keep in mind the amount of funds in my account. I opened this account in XXXX of 2021 and have had a perfect payment history up until this point. 
I am requesting that this late payment be removed due to the fallout from the online identity theft. The Identity Theft Report FTC Report Number XXXX and proof of my identity is enclosed with this request. I have also enclosed a copy of my old bank statement from XXXX where the account was suspended, and funds transferred to account ending XXXX. Bottom line if my automatic payments had not been uninterrupted by the criminal act of someone compromising my account the payments for this account would have continually been made in a timely fashion. 

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ). 

Sincerely, 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 according with the fair Credit Reporting Act XXXX  Account # XXXX, NAME : 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 furbish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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.

Account name XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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 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 2023-09-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Your recent claims have cast a significant cloud over my financial standing and have the potential to cause significant damage to my creditworthiness. I want to express my dissatisfaction with the recent assertions you've made regarding my accounts. I firmly reject these claims because they lack substantial material facts or evidence to support your contentions. I would also like to emphasize my strong objection to your decision to reject my identity theft claim. The determination of whether I have been a victim of identity theft should be made through established legal processes, not by your organization. Your authority or legal standing does not grant you the right to make such a determination on my behalf. Please delete this account : 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 explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: KY
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 explanation
Consumer complaint received 2021-03-16
Company: AmeriCash Holding LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company has made an attempt to sue me for a debt in which the statute has passed. In investigating them I learned that they are crooked and fraudulent people under the guise of lawyers. They need to be investigated and disbarred and the company shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Idaho Housing And Finance Association
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:
XXXX XXXX  which is the same company as Homeloanserv which was paid off in XXXX of XXXX have lost my patience with this company placing negative information on my XXXX account and XXXX is allowing it.Every other week they are sending fraudulent information that I am delinquent on an account that was paid off on XXXXXXXX XXXX accepted a check from the title company on both loans they had opened in my name and one of the loans was a XXXX XXXX.Why are you all allowing both of these entities to place fraudulent information on my credit reports? I provided proof to you all the loans was paid in full. The title company has provided information, so my question is do I need to hire an attorney and file a lawsuit against someone in order to get this negative information off my credit report? Its sad when innocent consumers are battling against these predatory companies.Everytime I apply for a place to live that false information is hindering my ability to move forward with my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
got a loan from loanme in XXXX., of XXXX for {$6500.00}. Have been paying {$450.00} for over XXXX which equals out to over {$10000.00}. The company says that out of the {$450.00} only {$21.00} is towards principle and {$430.00} is interest/fees with the balance of {$7000.00}. HOW IS THAT POSSIBLE. SOMETHINGS ILLEGAL WITH THAT TRANSACTION.THAT MEANS THE INTEREST RATE ON THAT LOAN IS AROUND XXXX  %. EXSCUSE ME BUT ISNT THAT ILLEGAL? I THOUGHT LOAN COMPANYS COULD ONLY CHARGE UP TO XXXX % OR SO. TRIED CONTACTIG LOANME, THEY SAID THEY CANT FIND THE SPECIFIC PAPERWORK SURROUNDING THIS LOAN, BUT MAKE SURE YOU KEEP PAYING ON THE LOAN. AT THOSE RATES THIS LOAN WONT EVER GET PAID. I MEAN WHERE HAS THE {$430.00} BEEN GOING? WHY IS ONLY {$21.00} TOWARDS PRINCIPLE? WHY IS THE LOAN MORE THAN I BORROWED? WHERE HAS THE {$10000.00} GONE THAT HAS BEEN TAKEN DIRECTLY OUT OF XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to XXXX  my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX / XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

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