BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-11
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is MEADE & ASSOC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, MEADE & ASSOC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) MEADE & ASSOC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation MEADE & ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where MEADE & ASSOC is in compliance with OHIO LAW 1319.12 O.R.C. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. MEADE & ASSOC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Kansas Counselors, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX XXXX XXXX  I received a notice from XXXX saying I owe a Medical debt of {$1100.00} from a XXXX XXXX visit from XXXX I advised the company I had insurance during the time of the visit and still have the same insurance currently.. The company told me it's been too long to accept my insurance.. I noted this was done in error on behalf of the hospital because I provided insurance information during the visit.The company refused to refile this collection.. Kansas Counselor is the collection agency who reported to XXXX  on behalf of XXXX XXXX XXXX XXXX in the State of Kansas... I receive XXXX and XXXX since XXXX to current.. This issue should have never taken place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Zions Debt Holdings
State: FL
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 writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Certegy Holdings, LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I contacted Certegy Check Services today to place a security freeze on my consumer account. The first representative ( XXXX ) stated that I am not able to freeze my consumer report with them ( Certegy ). I tried to explain my rights as a consumer under the Fair Credit Reporting Act ; she continued to talk over me, and stated that Certegy does place security freezes on consumer accounts. I requested a supervisor. The person that came to the phone ( XXXX ) explained that she was not a supervisor, but in fact a " senior rep '' and would not connect me to a supervisor. I again asked XXXX the process/steps to place a security freeze on my account. She stated that the company does not honor security freezes because they are not a major credit bureau. I advised that they are a consumer reporting agency bound by the same Federal laws/Fair Credit Reporting Act and that I have a right to place a security freeze on my report. XXXX became extremely defensive, aggressive, and argumentative. She stated, " don't call her telling her about Federal laws or the Fair Credit Reporting Act. She is not in violation of anything ''. I asked to speak with someone else, or give me a number, or correct address for the consumer security freeze and she stated that I can not freeze my information and that their company does not do it. I asked her for the information again or I was going to file a complaint against the company. She did not care and refused the service again.

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 2023-07-18
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple calls from Central Portfolio Control Company calling to collect a debt for XXXX XXXX. I have numerous times stated to them that this phone number does not belong to XXXX XXXX, which does not seem to matter to them, I keep receiving calls from different collectors from Central Portfolio Control Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: GREEN ROAD FINANCE INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My car was originally leased to XXXX XXXX XXXX  but was transferred to green Road Finance with no knowledge to me. Im XX/XX/2023 the repossessed my car out of a private underground parking structure this parking structure is permit only they never received permission from landlord or manager on site to enter the parking structure. When I went to pay to get my car back at XXXX XXXX XXXX they refused to give me a receipt and my birth certificate was missing out of the glove box.I called green Road Finance they refuse to recover a receipt for me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is information that is on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made an error, or is my request to block being made on the basis of a material misrepresentation of a fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : ARS ACCOUNT RESOLUTION XXXX XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Amsher Collection Services, Inc.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX continues to collect a debt that has been Discharged in Bankruptcy # XXXX. 
The court and legal counsel has continued to advise this and AMSHER COLLECTION SERVICES, XXXX. THAT the balance of {$78.00} is in permanent " DISPUTE ''. 
ATTORNEY GENERAL has been advised of these harassing collection practices!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2020-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed my account without notice and told me it was a company decision. They have put myself and my family in a bind as they will not release my funds to Me until the latest XXXX. I even took steps to ensure no more payments would be debited from my account so I could get my money released. I have had Bank of America since 2006. How they have treated me has been very unprofessional and making me feel like Im scum. This has been over 3 weeks and now and would like our money.

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: 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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

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 2023-07-18
Company: AC AutoPay LLC, Denver, CO Branch
State: TX
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:
marketed a preapproval program on XXXX  to refinance a car at a lower rate, it said i could get preapproved with no affect on my credit, company i was sent to is autopay.com. didnt like the offers on XX/XX/XXXX so didnt move forward and today XX/XX/XXXX autopay checked my credit and summitted it to XXXX 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/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX i reached out and was told i gave explict consent and " there must have been some confusion sending the application through XXXX XXXX '' the extra inquires are affecting my credit and i didnt give consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Great American Finance Co
State: IN
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:
As of XX/XX/2020 my account through Great American Finance was paid in full. However, Great American Finance continues to send bills to my home with a balance of {$100.00}. I called and spoke with a representative and he confirmed that my account was paid in full and to disregard the first bill ( after the pay off ) that I received in the mail. Although this conversation took place, I was still reported three times to the credit bureau as delinquent from this company. I have spoken with two other representatives, one being a supervisor to try to remedy this situation, yet nothing is changing. It has negatively impacted my credit score. Obviously Great American Finance is aware that my account has been paid in full since XXXX, however the company continues to to commit fraud by reporting me as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Recently, I found an accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reached out to all XXXX credit bureaus to verify debt with the furnisher for the following companies : 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 I have not received original contract from either company to date. Dates of mailed letters : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage through a different mortgage company and closed in XX/XX/2020. I requested a payoff from Freedom Mortgage as part of the refinance process on Friday XXXX XXXX and it included 'Unpaid Late Charges ' of {$140.00} even though I have never been late on my mortgage. I called Freedom to get the payoff corrected however they told me that they automatically charge a late fee for the month of XXXX since the projected payoff date was XX/XX/XXXX, beyond XX/XX/XXXX. I told them that my refinance will fund on XX/XX/XXXX so they would receive the payoff wire by XX/XX/XXXX therefore the projected payoff date needed to be corrected to XX/XX/XXXX and the late fee removed on their payoff statement. They refused to change the payoff date or remove the late fee as the representative said they can not change the payoff date as it is system generated however once my loan funds on XX/XX/XXXX, they will refund the late fee of {$140.00} since I would not be late for XXXX. I was never refunded this erroneous late fee charge. I tried contacting Freedom again via their portal email chat but they refuse to respond to me. This might be something that the CFPB needs to look into since Freedom Mortgage is collecting erroneous late fees.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 am submitting this complaint personally to resolve a matter related to unauthorized inquiries on my credit report. The data in question is not associated with me, and I request the prompt removal of this fraudulent information.

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 2023-07-18
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a complaint about this twice already now this is my third time and the company asked me to do a few things for them, so i did what was asked but i wanted to put it on here as prove before i take it to my attorney if this problem is not fixed or atleast settled with the company. I have paystubs the notarize letter and mail that they asked for so i am working with them to get this fix. I once again HAVE NEVER EVER lived on address that they have a file on. I don't have a signature on any applications nor do i have a contract or a lease or anything from this property due to once again me not living here. I am sorry that this has happen to both of us but i am a victim here of theft I will upload everything needed here I can not provide amounts nor dates because i never got a letter or reports about this till i saw it on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
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: Account status incorrect

Complaint:
TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX Transunion :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : Transunion : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX  XXXX XXXX  XXXX XXXX, TX XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX  :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX  :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation