BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am asking for a complete investigation on the company. I sent in numberous correspondences to this company asking for proof of this debt bearing my signature as I asked this is my final attempt to get help with this matter. This company is harrassing me by telephone and mail demanding I pay a debt i do not owe and have ask for proof of this debt and have yet to recieve.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Frontline Asset Strategies, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A Frontline asset strategies damaged my credit by sending someone else 's debt into my account. 
I have received a letter from them, they used my first name, and someone else 's LAST NAME, saying I owe them for a XXXX bill!!!! I have disputed it with this frontline company and they said this is MY DEBT, but refused to show me a proof as I requested. 

I know for a fact I have NOT used any XXXX services within past 10 years, and I do not owe any money to XXXX. 

This company just used my first name and put a different last name to it in order to make it look like the debt is mine. 

My credit is damaged now and I am seeking help because they keep calling and sending letters. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2020-09-25
Company: Capital For Change, Inc.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Company is my second mortgage serviced by. 
Capital for change I made a payment of {$76.00} And was informed they could withdraw with automatic payment so the following month they withdraw the ongoing payment and keep placing miss payment for the same missed payment from the date it was missing yet taking the present month payment instead of just withdrawing the payment for the missed payment so they reported I missed 3 payment And I have since filed for bankruptcy and they never reported my discharge to credit reporting agency which its a burden to me and my family as Im since then when I see the missed payment I called and payed they said they will inform credit reporting company of the way their payment proceses payment not just keeps making it missed payment every other month when it was for a specific month The month they said they did not process was XXXX XXXX the XXXX then on for the same payment again XXXXXX/XX/XXXXXXXX the XXXX and XXXX XXXX XXXX yet they did Receive the payment for those months stated above. So its reported I missed 3 payment which is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Asset Management Outsourcing, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: NY
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 credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
my account was double paid because of autopay in late XX/XX/2022 - i have a credit of XXXX dollars i have been trying to get them to refund me since late XXXX, despite weekly chat and phone calls they wont send me the refund

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 monetary relief
Consumer complaint received 2022-12-21
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In the last 23 days, they have called me XXXX times. on XX/XX/22 and XX/XX/22 they called twice per day.. I answered their call today XX/XX/22 to provide the evidence that the debt is not mine, and they still insisted I pay the balance. They were extremely rude and unprofessional to me. When I mentioned the FDCPA violations regarding all the repeated harassment, they became hostile, and insisted I pay the money. After advising them of their violations and that I would take legal action, they hung up on me. Its XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: FL
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:
EXPERIAN is obligated by FCRA to report accurate accounting, consumer has advised said company that ALL the inquires reported was fraud. EXPERIAN has 4 days according to LAW to remove such items, FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer. EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. If EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. I will be filing form 211 treasury omb form to audit consumers account, EXPERIAN is securitizing consumers data yet refuses to provide consumer a copy of their CONSUMER FILE. NOT A CONSUMER 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 2023-04-21
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: Information belongs to someone else

Complaint:
I have tried yo reach out several times to this company about this fraudulent account that i did not open i don't even know what type of account this is i have wrote this people i have tried to call and email them and they have never responded they are reporting that i am paying or paying i have asked them to show me where the payments are coming from i have never paid them XXXX XXXX i didn't open this account i asked for contract with my signature and they still have never responded

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 2023-06-02
Company: LEXISNEXIS
State: MD
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 incorrect information on my LexisNexis report. I tried to get it investigated via mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, however, Lexis Nexis only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. Lexis Nexis did not open disputes as requested. I will be attaching the dispute letter that I sent on today, XX/XX/XXXX. My license, bank statement, and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Financial Business and Consumer Solutions.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This medical place did not send yo all my insurances that i had at the time. Plus after they do this and i have proof of what is paid from ALL insurance including XXXX and the job i had at the time. Then i can set up a payment an and even if i have to work 2 jobs to get this taken care of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-06-02
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX american profit recovery {$490.00} XXXX  XXXX XX/XX/XXXX chargeoff/closed XXXX  XXXX XX/XX/XXXX chargeoff/closed XXXX XXXX XXXX XXXX XX/XX/XXXX charge off/closed XXXX  XXXX {$600.00} closed and report negative after reviewing my credit profile today .i identified a discrepancy with these accounts listed under XXXX XXXX and validation was requested as this was an account i didn't recognize, i reviewed my credit report and its still reflecting on my credit report. I have not received my correspondence from creditor to validate these accounts as correctly belonging to me. nor has my credit report been updated to reflect that this account is disputed. this account is negatively affecting me.im not able to get loan to try to get house for me and my family. Under fair debit collection practice act ( FRCA ) ( 15USC 1692g ) stating my claim is disputed and validation is requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT YHE FEDERAL TRADE COMMISSION THE INFORMATION ALOND WITH THIS IDENTITY THEFT AFFIDAVIT! I DEMAND THESE ITEMS GET REMOVE IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2023-06-02
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear IQ Data International I am writing you in response to your recent communication regarding the alleged debt related to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ; on XX/XX/2016, which you claim I owe. After careful review of my records and relevant laws, it has come to my attention that the statute of limitations for collecting this debt in Nevada has expired. According to Nevada Revised Statutes ( NRS ) 11.190, the statute of limitations for most types of debts in Nevada is six years. As the alleged debt in question is more than seven years old, it is now time-barred and legally unenforceable. Therefore, I kindly request that you immediately cease all collection efforts related to this debt. Also want to remind you of your obligations under the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from engaging in deceptive or unfair practices in attempting to collect debts. Pursuant to FDCPA Section 809 ( b ), if you continue to pursue collection activities on this time-barred debt, I will consider it a violation of my rights under the FDCPA and will take appropriate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
have been in the process of purchasing a new vehicle And home but I have been turned down due to the information I found on my account. On my credit report there is a Charge off from : 1. 
XXXX XXXXXXXX XX/XX/XXXX for the amount of {$230.00} & {$150.00} from XX/XX/XXXX. 2. XXXX XXXX XX/XX/XXXX for the amount of {$380.00}. 3. XXXX XXXX for {$2200.00} the date is unknown but it was reported XX/XX/XXXX 4XXXX XXXX XX/XX/XXXX for the amount of {$1200.00} 5. 
XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I sent in a letter to TransUnion a few weeks ago to dispute an inquiry that I did not authorize. In response, I got a letter from TransUnion stating ( in short ) that its important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily on XX/XX/2022 and Ive been trying to figure out how is it important if its still showing up on my credit report since its an inquiry Ive never authorized and its an inquiry that I have no knowledge about whatsoever. Before I even sent this inquiry letter to TransUnion, I requested for the creditor to send a letter to TransUnion and myself to remove the hard inquiry but they refused. Got in contact with TransUnion via XXXX and spoke with XXXX. I explained this issue to her and she gave me the number to contact to help assist me with the next steps to take especially if its fraud. I then contacted TransUnion by the number that XXXX gave to me the same day ( XX/XX/2022 ) and I got in touch with someone. She told me that they could not remove the inquiry. Im very frustrated and its really hindering my ability to obtain more credit. Any help would be greatly appreciated!

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2007 ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00}.

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 2023-06-02
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent loan for over {$4000.00} was taken out under my name. The company that is in charge of collecting the debt, Crown Asset Management LLC has not helped me at all. I have called, and sent messages, and nothing has happened. I was told by the last company in charge of the fraudulent loan XXXX XXXX did not report it to the credit bureaus. However, Crown Asset Management LLC has done nothing to help solve this. I feel as though this company should be investigated just like all the other debt collection agencies. I would not trust this company at all. I will continue to call them until I talk to a manager, who probably wont help at all. Dont trust them. If Crown Asset Management LLC contacts you dont trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: ID Analytics, Inc.
State: MD
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 incorrect information on my XXXX report. I tried to get it investigated via mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, however, XXXX XXXX only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. XXXX XXXX did not open disputes as requested. I will be attaching the dispute letter that I sent on today, XX/XX/XXXX. My license, bank statement, and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!

Company response to consumer: Closed with non-monetary relief