BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-14
Company: EQUIFAX, INC.
State: TN
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:
This complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Avant Credit Corporation
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Payment was due XX/XX/2020. Was unable to.make payment, called company to work out arrangement to pay past due bill. I am out of a job, so don't have means to give firm date of payment. I assumed everything was arranged, and got email from company to confirm. I have recieved 5 calls In the 24 hours since I talked to them. I spoke again to an agent, And he assured me.that I would not receive any more calls for at least two weeks, and I would update them as to employment. I have since recieved 3 more calls within 6 hours of that call. This is harassment, and if I get a.new job, could cost me that job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XXXXXXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX  Inquiry from XX/XX/XXXX Bank Equifax Mort Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXXXXXX Inquiry from XX/XX/XXXX Bank XXXXXXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXXXXXXXXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX  Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX Inquiry from AXX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An application was filed in my name to Bank of America for XXXX XXXX XXXX credit card. I received an email from experian On XX/XX/XXXX and XXXX 2022 of an inquiry thru BOA. My wife called BOA and had the card shut down and then she locked down our credit thru XXXX  and others. We were requested to fill out a fraud claim in this site to document the incident.

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 2022-12-12
Company: EQUIFAX, INC.
State: PA
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-05-27
Company: Carter-Young, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ive reached out to 2 reps at XXXX to go over what was sent to collections and why. They have no record of the {$150.00} bill that was not paid. They dont even know where that figure came from as my account has no late payments and is in good standing with their Property and Auto division.

Ive contacted my credit union for anything I may have missed as I pay auto insurance with my accounts with them sand Ive checked with my mortgage company as I pay escrows thru my mortgage payment monthly and my payments to XXXX thru them are up to date as well. 

So CCS Collections has reported a fraudulent collections on my account. Not only that, Ive checked mail, email and my online accounts associated with a potential collection and there is nothing. Not even a phone call. {$150.00} is such a small amount and can be paid today, but there was no record or notification and again, the original creditor has no account of me owing any money, theyve never reached out saying I owed any money, and they never mentioned a CCS Collections Looking at their reviews, it seems as if this is a common practice. 

I work heavily with credit repair clients, Im licensed in multiple facets within finance, real estate and property management and everything about CCSs process is fishy. 

I will be going thru this company thoroughly on my end and if I can get together a class action lawsuit I will

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: BARCLAYS BANK DELAWARE
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We have attempted to dispute a {$600.00} charge on a service that was not completed satisfactorily. We made several attempts to work out the problem with the vendor and returned the item several times to the shop to be repaired. With the item never working properly, we finally decided to dispute the charge with Barclay 's XXXX XXXX 

On XX/XX/2020 I mailed the dispute, along with supporting documentation, to the address listed on XXXX 's website for disputing charges. After several weeks of hearing nothing, I called XXXX 's and was told they never received the letter. I rechecked the mailing address with the agent and it was correct. At this point, on XX/XX/2020, I resent all the information via certified mail. The letter was received and signed for on XX/XX/2020 at XXXX XXXX. 

After not hearing from XXXX  again after several weeks, I began calling. Once again I was advised the letter and documentation had not been received. Once again we double checked the mailing address with the agent and it was correct. 

I asked to be connected with a supervisor and was told that was not possible unless I had a dispute number in their system. 

I have made numerous calls and asked for a supervisor. Finally getting an agent to " look for one for me :. On the several times I called XXXX, I have literally waited hours on hold and no supervisor was ever " available ''. 

Over the course of an additional few weeks, I did receive 2 calls from XXXX that I was unable to take at the time of their calls. The call back number always connected me back through the main dispute call center. I was told since they attempted to contact me twice and I was not available, I would have to begin the process all over. In other words, if a customer is not available at any unspecified time to take a call, after XXXX 's second attempt, the customer basically begins all over again. 

This particular call back scenario happened exactly 3 times. I even received a letter from XXXX stating after numerous unsuccessful attempts to contact me XXXX not true ), they were denying my claim. 

We are now reaching out to you in hopes to get this resolved. We have made every attempt to resolve this, first with the vendor, next with the credit card company. It is unfathomable that a company like XXXX 's would have such poor customer service.

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 2023-05-27
Company: Experian Information Solutions Inc.
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 am writing to dispute the following inquiries and asking for their removal from my credit report. 
Creditor Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to them on XX/XX/21. They returned it on XX/XX/21, then they accepted the payment, then charge me a {$25.00} late fee. According to them they having problem with my bank which XXXX. None of my other credit cards are having this problem. This the XXXX time it happen, I think they are doing it on purpose to charge me a late fee.They are ripping me off! I believe they doing this to other people too!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Diversified Consultants, Inc.
State: CA
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 sent this company my first dispute on XX/XX/2018. This letter had a conditional endorsement notification as required by law to inform the other party of impending cheque to be sent. I fulfilled my end by sending in my cheque and a brief notification to support my intention on XX/XX/2018. 
To my surprise, despite all my effort to notify this company, it still exercised unfair business practices as they went ahead and cashed the cheque and not deleting what we had agreed to be deleted. Furthermore, this company Violated the California Credit Reporting Act by Missing Dispute Comment- They even failed to mark the account as disputed by client. 
My case is already with my attorney. Attached here with are 1. My first letter to the company- my conditional endorsement.

2. My cashed cheque 3. The back of my cashed cheque 4. My small claims form 5. My credit file proof of not marking account as disputed by client 6. My proof of mailing of the cheque

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: ResidentCollect, Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
This Item continues to be reported on my credit report. I have written several letters to the Innovation Recovery and the credit bureaus and this inaccurate information remains on my report. I say inaccurate because they can not prove that this account belongs to me. I have asked on several occasions for them to supply me with a breakdown of the amount that they say I owe. I have been battling with this issue since it was reported on my credit report. On XX/XX/2022 I spoke with a supervisor by the name of XXXX who informed me that she was going to email me the breakdown but now it is XXXX XXXX and still I have not received anything. The only thing that they continue to send me is a collection letter, this is not proof of the account. I feel that this account needs to be removed from my report due to inaccurate information and them not complying within the 30 day period. I have attached a copy of the last letter that I wrote and I have proof from the post office of delivery. This item needs to be removed. I would appreciate it greatly if I can get help with this situation after fighting with them for so long. Oh, if they say that the account is mine ask for proof which they can not provide, please dont just take their word for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Aldous & Associates, PLLC
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never had an accouunt with XXXX XXXX. Identity. Theft victiim. 

Acct # XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: CREDIT ACCEPTANCE CORPORATION
State: HI
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: Problem with personal statement of dispute

Complaint:
I filed a dispute via XXXX  against Credit Acceptance Corp on XX/XX/20. I explained that I felt my balance was going up although I had made payments over what I was required to pay. Credit Acceptance Corp later responded stating that reported the information has certified to XXXX  that the information is accurate. Roughly two weeks later, they reported that I was 120 days past due. Although, in the months prior all my payments we reported as on time. I contacted customer service and asked why the didnt report it previously, because according to the FDCPA, they were to report accurate information. I also asked why I was past due and they said because I have fees. After closer inspection I realized they have been posting my payments mostly to their fees and not the principal so they can charge me and collect more interest. So, even though they told me to raise the payments to get caught up they confirmed the payments have nothing to due with their reporting standards for credit reporting. This is a very deceitful practice and should is illegal. Please advise.

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 2022-03-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management sued me for a credit card debt in XXXX XXXX XXXX Florida. I reached an agreement with the collection company to settle the debt for the amount of {$500.00}, which has been paid alreadyand on time according to the terms of the agreement, and according to the mentined agreement they were to remove the collection from my credit report or report it as paid. This has not happenned as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: COAST PROFESSIONAL INC
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a notice from Coast Professional , Inc. about an alleged student loan debt I owe but this is a hand-me-down dunning notice from a previously disputed debt by another debt collection agency and the school, University of XXXX. The school was previously paid for credits obtained but refused to turn over my transcripts for credits earned so they're essentially holding my credits / degree hostage for classes I didn't take and although I've withdrew from my classes in time, they still charged me and referred my account for collections which is not fair. This has been ongoing for more than ten years,

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: PA
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:
In accordance with the Fair Credit Reporting Act, [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I've disputed these accounts highlighting the inaccurate and incomplete information reporting, and these companies continue to violate my rights. please help me solve these issues. 

Thanks

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 2021-06-01
Company: Frost-Arnett Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received calls and a text message from Frost-Arnett Company informing me that they are collecting a debt in the amount of $ XXXX for a bill I have with XXXX XXXX XXXX in XXXX, Pennsylvania. I have never received anything in writing in the mail from Frost-Arnett. Today, I contacted XXXX directly and was informed that I had no billing pending or in collections. I believe this is likely a scam. However, I am a patient of XXXX, so I don't know how they came about that information.

Company response to consumer: Closed with explanation