BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-19
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX XXXX XXXX was returned back to XXXX due to covid in XXXX of XXXX Also, this account has been closed since XX/XX/XXXX. However, they still failed to report the true balance. They reported the full balance of the car when it was on the showroom floor back in XX/XX/XXXX for {$20000.00}, which is also when the account was opened in XXXX the state of Illinois. XXXX XXXX XXXX sold the XXXX XXXX on XX/XX/XXXX, at an auction and received the amount of {$8000.00} or more. XXXX has failed to report the selling of the vehicle and also failed to report it to the credit agency purposely misleading others regarding this matter. This is a bad act of practice on XXXX XXXX XXXX 
I do not owe this amount therefore it should be deleted forever, This account has been deleted from my credit report several times and added back by the company. This account is right at 7 years and has been displaying the wrong information for quite some time. Now they are threatening to sell or has already sold this bogus account to NCB Management Services that displays I opened it on XX/XX/XXXX and owe them {$20000.00} now this isn't me either never purchased a XXXX XXXX XXXX on XX/XX/XXXX NCB is also included in this complaint as well. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Deinde Online Services, LLC
State: WI
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:
I have been receiving emails from Integra credit about my credit being ran and denied. I have not given this company nor any third party it works with to run my credit. I have called and emailed them and continue to receive 3-5 emails daily from them about my credit being ran. Latest was a senior manager XXXX XXXX. Emails consistently have XXXX XXXX on them. Contact was made and to no aveil nothing has been done to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/ a check was issued to me for a fraud claim denied in error for the amount {$320.00}. I received the check and I intended to deposit it on my current Bank Account ( XXXX XXXX  ). It turns out this check had both of us names on it and Bank wont accept the deposit. It looks like the claim dated back when I had the other checking account number ending on XXXX had my husbands name on account. Then took him off later on when the account number was replaced for the one that ends on XXXX ( latest one ) I took the check to the branch, as adviced, and because I had already written on the back For XXXX Deposit Only they wont accept it either. Ive been on the phone 7 times and from time to time I keep getting thrown around from department to department with no resolution. Im tired of hear - we gon na request the back office to issue a new check or - we gon na call you back. 

I would like to request a check re-issue and if its possible under my name only. 

Im attaching letter and check copies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681. 

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 an account without my written instructions.

15 U.S.C. 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make a 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 7 years. 

XXXX, XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting Act, 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 furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681a 2 ( A ) ( i ) : excludes information that is solely based on transactions or experiences between the consumer and the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit bureaus are violating the Fair Credit Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus co n't have no written permission According to 15 USC 1681s-2 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 the information is inaccurate. 
B ) Reporting information after notice and confirmation of errors.

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 2017-05-09
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
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 submitted several request to have the inaccurate information removed from my credit report and provide proof of debt owed.  Eastern Account Systems  answered the initial complaint with the CFPB and by their own admission stated the name was not the same as mine and as they stated was missing a " letter ''. However, on the screenshot they mailed to me it was more than missing a letter. It was missing a letter and misspelled. Again, per the FCRA any inaccurate information CAN NOT be reported to the Credit Bureaus yet they are by their own admission reporting inaccurate information which if unresolved after this attempt I will be forced to seek legal action as well as report to the BBB. Also in their answer they stated  XXXX  as the original creditor with  ONE acc ount number but they are reporting  2 s eparate accounts on my credit report. Also they stated they are licensed to collect in Alabama but failed to provide entity number as I searched and there is no record of their entity in Alabama. Also requested they show my original account contract with charter showing where I opened this account. They only provide the same information as their initial response and no actual proof or information. I am emotionally stressed over this as this is the only collection account on my credit report and they are preventing me and my family from moving forward with personal matters that require positive credit history.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
All these accounts are fraud

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 2023-02-05
Company: EQUIFAX, INC.
State: IL
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have contacted XXXX  and notified them several times since XXXX that the public service loan forgiveness ( pslf ) date was incorrect and the number of payments credited were incorrect. Representatives continued to insist that my student loans were not in repayment status and were in school status and that was incorrect. I graduated early XX/XX/XXXX and my student loan status was changed in XX/XX/XXXX. I have received documentation from XXXX showing that my school status was updated on XX/XX/XXXX to reflect that I had graduated as of XX/XX/XXXX. XXXX  representatives lied to me numerous times stating my loans were not updated with the Department of education or XXXX to reflect me graduating. When in actuality the loans were updated and they had failed to properly process the request and obtain information from XXXX. I began working in XX/XX/XXXX. I immediately contact the Department of Education and notified them so that my student loan forgiveness would begin. However, the representatives refused to allow my account to enter repayment so that those months would count towards my forgiveness. I was eligible and met all requirements for qualifying payments from XXXX XXXX XX/XX/XXXX. I now have six extra months of payments because of this companys willful failure to process my pslf, deceptive and unfair practices. I contacted XXXX again at the beginning on XXXX and informed them that my pslf was incorrect and the representative responded this is normal not to have it start on time and went on to blame the school and XXXX. This practice should not be normal, especially since the school and XXXX appropriately updated my loans and they were in the correct status to receive student loan forgiveness credit those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
These consumer reporting bureaus have continued to defame my character since I have never given written authorization to share any of my personal information including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only my character, by causing humiliation, stress and health issues. Please investigate and delete it to my credit report. No record of this BANKRUPTCY is to be added back ever again. I request to removed within the next 5 business days and send me an updated consumer report after deleting said BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Colony Brands, Inc.
State: MA
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 tried disputing through all the credit reporting agencies and they were told by the creditor XXXX XXXX the debt was verified. I tried contacting them XXXXXXXX XXXX for info about the debt and they wouldnt give me any and eventually hung up on me. I just noticed this on my reports and it was closed and charged off in XXXX. Because I have no idea what the debt was I disputed it and my score dropped almost a XXXX points just for asking for info about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX 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 furnish a 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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX & XXXX Potentially negative Date opened XX/XX/XXXX Balance {$240.00} Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$850.00} XXXX XXXX account. {$850.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$520.00} XXXX XXXX account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX account. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. $ XXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Account charged o FCRA violations XXXX payments never late XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX  XXXX Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$24000.00} Highest balance {$0.00} Terms 72 Months FCRA violations : not XXXX addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX complex XXXX XXXX XXXX, TX XXXX Resident type Single family FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX VI 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 2023-03-20
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On Tuesday, XX/XX/XXXX I walked into XXXX XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, Indiana inquiring about a XXXX XXXX XXXX. I was told I could be given financing options without affect to my credit score, hereinafter referred to as a credit soft-pull. I agreed to this credit soft-pull to mull my options only to find on the XXXX of that month that a hard pull on my credit had had been initiated by XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Acceptance Corporation in XXXX, Michigan. The company, XXXX XXXX XXXX XXXX XXXX, through a representative, XXXX XXXX, and I exchanged messages as it tried to secure the sale on the XXXX. I made note of the hard-pull mistake and declined to do business with them in those messages. No effort has been made on their part to rectify this mistake.

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 2017-05-09
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
ECSI I has become the new servicer of an erroneous student loan and has been requesting payment of {$2500.00} which also shows up on my credit report only as of XX/XX/XXXX for a loan opened on XX/XX/XXXX ( it went unreported for 14 years according to ECSI 's records ). I have contested this loan as multiple times as the university with which I initially took the loan has confirmed that I do not have an outstanding balance and provided me with my final XXXX balance tuition bill ( which I have also shared with ECSI ). I have repeatedly asked ECSI to explain where this {$2500.00} is coming from and why is it showing up on my credit report a decade later and they have not responded. I had one loan in the amount of {$3000.00} which was in fact opened thru the university in XXXX and was paid in full by XXXX ( I also have the confirmation of this final payment from XXXX XXXX XXXX Dept of Ed XXXX XXXX and provided that to ECSI to no avail ). I have received correspondences from ECSI and XXXX ( not sure the affiliation ) regarding this incorrect loan of {$2500.00} as well as provided them with documentation affirming that but they have not responded nor requested that the account be closed so it can be removed from my credit report. Please help in resolving this issue as I have been unsuccessful in getting an meaningful response from ECSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: CITIBANK, N.A.
State: CO
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:
Shell/Citiban k CBNA    #  XXXX  Account closed by  Shell ,  Paid, Never Late, Perfect payment history Last paymen t  XX/XX/XXXX  Delete date for CRA was  XX/XX/XXXX .      Please delete from CRA record.

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 2017-05-09
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a procedure performed at  XXXX   XXXX  in  XXXX  Ohio in late  XXXX  of  2016.   I offered to pay the bill at the time and I was told that I did n't need to at the time because I have insurance. The next month we moved to a new temporary address as our home was sold and we were waiting for our new home to be built. We had our mail forwarded properly with th e USPS  with each move. We never received anything from  XXXX   XXXX . In  XXXX  of  XXXX  I received a phone call from a collection agency named  Choice Recovery. I told the collector that I never re ceived or a bill or a phone call about the bill. I immediately contacted  XXXX   XXXX  and paid the bill over the phone. In  XXXX  of  XXXX  I received a collection notice form  Choice Recovery  that I owed them a collection fee. I never received the bill, yet I was expected to pay a collection fee. The office  manager  at  XXXX   XXXX  refused to take or return my calls. I recently applied for a loan and had to pay higher interest because  XXXX   XXXX  has placed late and collection fees on my credit report throu gh Choice Recovery. The   same debt is on my credit report 2 times. I am certain this is a violation of the FCRA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation