BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: Adler Wallach & Associates, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AWA collections has not attempted to contact me and the ONLY way I found out that something had been sent to them was by my credit report. I have contacted them to get paperwork verifying the charges since I never received anything from the hospital before being sent to collection. They told me to mail in request for documentation but the first rep (   XXXX  /2017 ) did not provide any information. My insurance company then called and the collection agency verified information with them and provided information to them but not to me. The  2nd  rep hung up on me repeatedly even after me asking for the information. The 2nd rep  XXXX   XXXX  ID  XXXX  (  XXXX / XXXX /   17  ) was also condescending when I asked what the charges and dates were for since I have still yet to receive anything from this company. I also questioned if they offered a discount if I paid in full today, I was immediately told no and that they do not have to work with me because I did not pay my bill, would have had I known about it! Every time I have talked with this company they do nothing but talk to you like your stupid for not paying your bill. Everyone at some point or another has had a bill go to collection. It sure does not help when they will not work with you to get this issue taken care of. This issue is still not resolved since you can not get any where when talking to them because they talk down to you every single time you call. I was told today (  XXXX / XXXX / 17  ) that a letter was sent to  XXXX   XXXX   XXXX   XXXX   XXXX  which does not exist and the hospital has the correct information I was there  4 w eeks! No date of when the letter was sent was provided to me. I pray that no one has to work with this company they are horrific and not helpful at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or about XXXX I opened a Bank of America ( BOA ) Cash Rewards Visa Credit Card ( CC ) Having been a loyal bank member since XXXX. Subject BOA-CC grew periodically in available credit, maintaned a status of 'paid ', and 'never late '. Since opening the BOA-CC, rarely did the subject card not have a 'zero balace ' each month at statement close ; Further, this BOA-CC is 1-of-3 credit cards ( all in good standing ) issued by the same bank, reporting 'timely ' to Credit Bureau 's 3-business days after close of statements. On or about XXXX XXXX, XXXX, this BOA-CC, 'intentionally and fraudulently ' reported to U.S. Credit Bureau 's as 'status unknown ', while simultaneously erasing all data therein relating to this CC. When I, as Consumer, enter into BOA online banking this 'same linked CC ' shows a 'credit balance ' for refunded interest and an available balance of almost $ XXXX. This 'intentionally-fraudulent ' misdeed created a 'status of unknown ', dissolved a portion of my credit availability by almost $ XXXX, and date-opened data thereby affecting 'historical and percentage usage. Summarily, the sequence of events were 'diabolically ' put in motion to depress credit FICO Scoring. The BOA can merely look into my linked 'billpay ' checking account and review payment activity to other banks and credit cards 'Nationwide '.

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 2023-09-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX XXXX is reporting incorrect information on my 3 credit bureau XXXX didnt provide any proof to comply with the Federal credit reporting act. HAS not provide to any of the XXXX credit bureau and me with proof of the original contract with my signature showing that Iam the owner. XXXX XXXX keep hiring different collection agencies to contact me and put information on my credit report. when to small claims in 2 different counties in massachussetts knowingly didnt send me notification of the small claims court date the court granted since I didnt know about this court dates however after I contact the court both court XXXX distriict court of and XXXX district court reversed the judgement. However XXXX XXXX XXXX keep giving those reverse judgement to the credit bureau agencies knoiwing they are not valid and doesnt provide proof of any of the document I request under the FEDERAL CREDIT REPORTING ACT. Moreover Iam a customer of XXXX  XXXX credit card I have my credit card with XXXX  XXXX which LNVN Allegely both 2 accounts from XXXX  XXXX, Iam in good standing with XXXX  XXXX bank. I never done any transaction with XXXX XXXX XXXX. I need XXXX Funding to deleted that information from my credit bureau is in violation of the FCRA>

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 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The Consumer Finance Protection Bureau colludes with member banks of the Federal Reserve system to ensure that the member banks always prevail with any complaint made to the CFPB, no matter how egregious the violation of the member bank. In previous complaints, I asked the CFPB to investigate the serious regulatory abuses against me by Bank of America. Bank of America did not follow the regulations set down by the Federal Reserve Bank. The CFPB ignored this fact. The CFPB did absolutely nothing except to act as a holding website for emails. Who is in charge of regulating the CFPB? The Federal Reserve Bank. Consumers need to be aware that as far as banking regulations are concerned, there is no remedy for violations committed by member banks against consumers.

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: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On   XXXX   XXXX   XXXX     I sent a letter disputing multiple accounts to experian and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX    They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in  XXXX  day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.

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 2023-09-01
Company: EQUIFAX, INC.
State: FL
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: EQUIFAX, 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX WAY XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$52.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to file a complaint against Equifax Credit Bureau for reporting inaccurate information on my credit report. On or around  XXXX   XXXX , I requested a reinvestigation of a dispute that I filed 45 days prior concerning inaccurate information being reported on my credit file to Equifax by  XXXX   XXXX   XXXX . The first response I received from Equifax stated that the account was verified. Next, I sent a letter to  XXXX   XXXX   XXXX  requesting validation of the debt. Approximately, thirty days later I received a reply from  XXXX   XXXX  and the account had not been validated.      XXXX   XXXX   XXXX , financed my vehicle in  XXXX . In  XXXX , due to unforeseen circumstances I was unable to make payments on the loan. The vehicle was repossessed and sold by  XXXX   XXXX ,  XXXX  or a third party related to  XXXX   XXXX   XXXX . Therefore, the Account Balance of {$11.00},  XXXX  and/or Charge-off Amount of {$15.00},  XXXX  as of  XXXX / XXXX / XXXX  reported by  XXXX   XXXX ,  XXXX  to Equifax is incorrect, because  XXXX   XXXX   XXXX  recouped part of the said debt/ financial loss when the vehicle was repossessed and re-sold to reduce or eliminate the said debt. Although  XXXX   XXXX   XXXX , is responsible for providing truthful information to Equifax, I believe it is Equifaxs obligation to consumers to validate and verify the information being reported, especially if it has been disputed. Since Equifax clearly failed to verify and validate the accuracy of the information provided by  XXXX   XXXX   XXXX , this problem has caused me a lot of   XXXX   as I am trying to rebuild my creditworthiness. For instance, I have been denied credit, car loans, housing, and possibly employment ; because of the decline in my cred it score/ FICO s core.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt from I.Q. DATA INTERNATIONAL, INC, was added to my credit report. The amount is XXXX which I do not owe from an apartment complex, XXXX XXXX. First off the apartment complex was aware we were moving. We had no central air during the summer, we were given the wrong apartment and various other issues they were in breach of the lease agreement. Management was aware and notice was given then they turned around and posted an eviction letter, they kept our deposit, and we moved.No one ever contacted me on any bill. The date is wrong wrong on this we lived there in XXXX this was reported in XXXX. Furthermore this apartment was rented out the next month. We are not liable for this debt and certainly not that amount. Interest is also collected this is a non interest collection. Who ever heard of collecting interest on a collection debt. This company was involved in a class action lawsuit for exactly what is going on here. I want this off of my credit report. Nothing has even been sent to me substantiating this debt. I have disputed this multiple times. with no results. This is my last resort before legal action.

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
Consumer complaint received 2023-08-31
Company: EQUIFAX, 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:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX, XXXX XXXX XXXX & XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: ZARVAD III S.A.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I took out a payday loan of {$600.00} in   XXXX  . I have paid this company on time each month, and I have paid them, according to my records, {$4300.00} total. I called to try and get the date of withdrawal changed and they said that because they had already done that twice for me they would not help anymore. My young daughter is currently at   XXXX   XXXX   XXXX   XXXX   because of  XXXX   XXXX  and complications from it. We have spent thousands of dollars in medical bills alone.   I looked at my loan contract to see how to stop the ACH withdrawal because right now we are a t zero and  wo n't get paid again for another week. Nowhere on the contract does it state how I can stop the ACH withdrawal. That makes the contract invalid according to the law.   I want them to stop the ACH withdrawal altogether but their company refuses to tell me how to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is for a XXXX XXXX bill from XXXX. The new collection company erased the old debt and created and new debt starting in XXXX. When I contacted the company to dispute that his account was old and not new, they told kept trying to get me to just pay their amount. The supervisor confirmed that the debt was started in XXXX and not XXXX and that they were reporting it as such, but they are not. She went on to claim that it was the credit bureaus fault, not theirs. However, when I then told her that if what she is saying is true, then in two years her account would disappear off my credit because the account is 5 years old, and negative items would come off my credit after 7 years. She proceeded to tell me that wasn't true and those items don't come off your credit. I told her she was the first person to ever tell me that. She then told me that the only way it would come off the report is if they reported it as paid, again tried to get me to pay. I again told her that two different mortgage companies were telling me that it was showing up as a new debt as well as myself looking at what they submitted to the credit bureau. She ignored what I was saying and again blamed the credit bureau, confirmed again that the account was from XXXX, and that they reported it that way, but that they also submitted the XXXX date to the credit bureau. This is obviously a tactic that this company uses to get people to call in and pay the note, even though it's an extremely old note. I told her that I would have actually considered paying it off if their practices were not blatantly shady and possibly even illegal.

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 2023-03-24
Company: EQUIFAX, INC.
State: OK
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:
bankruptcy case number 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my phone at leas t 13 times a  day but they always call from different numbers. They will call 5 times from  XXXX  phone number and then use other numbers throughout the day. My phone rings every hour, sometimes withi n 30 m inutes of the last call. This has been going on everyday since  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