BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: Allied Collection Services, Inc. (Nevada)
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX an alert notified me that a collection account had been reported on my credit report. The collection company, Allied Collection Services , Inc. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV. XXXX. Phone : XXXX, reported a collection from XXXX of {$3900.00}. I disputed the collection account and requested an investigation. I requested validation of the account, as is my right. I did not hear back from the company or receive any documentation. I disputed the collection a second time. This time the following statement appeared on my credit report. " Subscriber reports dispute resolved- consumer disagrees ; original creditor XXXX. '' I have made several attempts to contact the company to resolve this issue, but after being on hold for over 15 minutes each time my call was " dumped '' into a voicemail box where a mechanical voice assured me I would receive a call back. I still have not heard from this company. This is an abuse of critical information. Allied Collection Services has been given the power to report to the 3 credit bureaus.When these collection agencies report errors they are more than errors they are errors that literally affect one 's future.The information provided in my report is used by lenders, insurance companies, employer 's and others who use this information to determine my credit worthiness, the price I will pay for credit and MY character. The consumer should NOT be penalized for a business ' bad business practice. Additionally, when collection agencies are unable to validate a debt it should be deleted completely from all three credit bureaus within 24 hours. This would allow a Rapid Rescore to restore ones report. Debt tagging is the term used in the collections field for a situation in which an innocent consumer is " mistakenly '' blamed for someone elses overdue debt, usually because of a similarity in names or some other type of mix-up. Allied Collection Services and other collection agencies use this tactic as a last ditch effort to collect the debt or collect information. They are hoping that by reporting these debts on every XXXX XXXX that they will get someone to say, " Hey this isn't me, maybe it's my cousin. We share the same name. Call him at XXX-XXX-XXXX. '' Debt tagging is wrong and should be illegal. Innocent people end up paying thousands of dollars because of this lazy business practice.Perhaps they will instill better reporting practices if THEIR errors directly affect THEIR bottom line. Repeat offenders should be banned from reporting to credit bureaus and fined. Allied Collection Services, Inc. has numerous complaints logged against them on the XXXX, XXXX and consumer protection. As far as I can tell, no action has been taken against them.

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 2020-05-24
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX  and got a loan from XXXX. I fell behind and the loan went into collections. After some time I forgot about it. I tried to call them when I ran my credit and saw it. The redirected me to speak to sequium. I called them and paid my debt. They have not updated this on my report. I received a letter from them but when I call them and XXXX I keep getting the run around. Im trying to obtain a mortgage loan and because this is not updated I am having problems. I dont know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2020 I tried accessing my free credit report thru all three credit bureau 's via XXXX. I was able to successfully get the report via XXXX and XXXX. Equifax showed me verification questions that were for lack of a better word " Garbage ''. None of those applied to me so I chose None as the answer. It then said I can not get the digital report and need to submit a manual request. Upon further research via XXXX, I found that this has been a persistent problem with Equifax and folks are incensed about the experience. 

In this day and age of identity theft, I feel highly uncomfortable sending a manual and enlarged photo copy of my SSN card/any documentation that contains my unmasked SSN on it that can be stored in the company to potentially give access to nefarious people. The recent history with Equifax 's data breach has taught us they could not keep our data safe online. Why should I trust they will keep an unmasked document with my full identity and SSN on a paper copy safe? If XXXX and XXXX  can develop a software that can ask legitimate and meaningful verification questions, then Equifax should be held to the same high standard and can not be allowed to get away with the nonsense they put the consumers thru especially if this has been a known issue for over 7 years!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/XXXX received letter from Southwest Credit stating that my account had been placed with them for collection from XXXX for the amount of {$720.00}, but would settle for 65 % of that amount. Also, it had the 30-day notice on this letter for proof of debt. On XX/XX/XXXX I sent out a letter to Southwest Credit requesting validation of debt. 

On or about XX/XX/XXXX received reply to letter requesting validation of debt. All they had sent be were copies of bills from XXXX from XXXX, XXXX and XX/XX/XXXX. On XX/XX/XXXX I sent another letter to Southwest Credit stating that the information they had sent was not viable evidence and requested because it did not have my signature. I also requested information on each person that had personally verified this alleged account, so I could inquire how they were able to verify without proving proof bearing my signature. I also stated that according to FCT opinion letter from Attorney XXXX XXXX XXXX stating that a printout of a bill or itemized document does not constitute verification. 

On or about XXXX XX/XX/XXXX received the reply from Southwest Credit where they sent the same copies of bills from XXXX, XXXX, and XX/XX/XXXX. On XX/XX/XXXX I sent out a final goodwill request for validation of this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

On XX/XX/XXXX received a response from Southwest Credit stating that that they were unable to begin an investigation because they feel that my dispute was deemed to be frivolous or unsubstantiated because : 1. The dispute is substantially the same as a dispute previously received 2. The dispute was reasonably determined to have been prepared by a credit repair organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Since my mortgage was transferred to PennyMac in XXXX of XXXX, my payments have steadily increased, despite a reduction in my Property taxes. Before my mortgage was transferred to PennyMac, my payments were XXXX, my payments have increased every year since XXXX, with the current payment being XXXX. 
I was told that my monthly payment increase is to offset a shortage in my escrow, however my property taxes and homeowners insurance is current, and although my homeowners insurance has increase, recently my property tax was reduced, my escrow should be XXXX. XXXX, however PennyMac, is currently charging me XXXX. 
My payment should be as follows : Mortgage : {$450.00} plus escrow ( {$230.00} ) = $ XXXX County Tax : {$670.00} City Tax : {$170.00} Hazard Ins : {$1900.00} Total Payments from Escrow : {$2800.00} XXXX = {$230.00} However, PennyMac monthly statement reflects XXXX. 
My property tax was reduced effective XX/XX/XXXX, however PennyMac, never applied the refund to the balance of the loan and or refunded the amount to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2018 I sent a letter to Transunion disputing several inquiries appearing on my credit report. The letter was received by Transunion on XX/XX/2018. To date, I have not received a response from Transunion regarding the unauthorized inquiries appearing on my report. The have failed to comply with the FCRA and provide me with evidence of permissible purpose. Specifically, written authorization which shows that I applied for credit with the company reporting the inquiries. 

On XX/XX/2018 I sent a follow-up letter to Transunion advising that they failed to respond within the time allowable under the FCRA regarding the investigation of the inquiries appearing on my report and there has been no evidence of written authorization by me which would establish permissible purpose.

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 2020-05-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I recently made a request to increase my credit limit of {$3500.00} to {$10000.00}. My current balance on the card is less then 30 % utilization and i have no late payments beyond 30days on my credit. During this process the representative asks for my monthly income and informs me that a decision would be made based upon this information and if any further information was needed or credit would need to be pulled i would have to give consent. I received a letter of decline of my request for the following reasons.

My credit card balance was to high Late payments. 

Both of these statements are not true and when i called to ask about this i was met with a VERY rude person name XXXX in credit department who wouldn't even let me complete a sentence about my situation, constantly cutting me off with every question i tried to ask. She proceeds to tell me the decision was based upon information given from XXXX  and that i have multiple late payments, despite no records of this on any of my credit reporting information. Not to mention i did not give ANY consent to a credit check and was not contacted before hand.

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 2020-05-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I made several requests for investigation and validation of information on my report from the bureaus.

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 2020-05-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed several letters and made multiply attempts to contact the bureaus by phone to get the bureaus to investigate and respond using the guidelines prescribed by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: U.S. BANCORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX, we went to XXXX and my wallet was stolen. We called all of our banks and asked them to cancel and reissue the cards that were stolen. We thought that took care of all of the issues, but apparently we were wrong. Fast forward 3 months and we receive a letter from US Bank stating that our credit limit would be decreased on a personal line of credit because we were past due in making payments. As we have not used this account in years, we assumed it may be fraud. Nope, just a bank charging fees that they never told us about and that we never agreed to, and then layering fees on top of those fees. 

Apparently US Bank decided to charge a " rush card fee '' of {$15.00} on XX/XX/2020 when we asked that our card be replaced. We were not told this fee would be charged and would not have agreed to it as there was no " rush '' involved. We hadn't used that account in years and were simply trying to be diligent to avoid fraud. Apparently US Bank saw it as an opportunity to increase fee revenue without telling us ( neither XXXX  nor XXXX  XXXX charged fees to cancel and replace our cards - apparently taking advantage of customers worried about fraud is not their thing, it is a US Bank thing ). 

To compound problems, they never sent a letter telling us they levied the fee, instead charging interest on the fee and assessing late payment fees on the fee ( below are the only charges on this accoun ) t. We have had several accounts with US Bank over the years and do not miss payments and otherwise pay them what is owed. However this is impossible to due when they assess a fee you don't agree to, layer fees on top of fees, and wait three months of  accumulating fees until they decide to send a letter that says " hey we're reducing your credit line because you aren't paying us. '' Imagine the shock to a customer who receives that letter who has a top tier credit score and never misses the payment. 

XX/XX/2020 Late Payment Fee {$15.00} XX/XX/2020 Interest Charge On Purchases {$0.00} XX/XX/2020 Annual Membership Fee {$0.00} XX/XX/2020 Late Payment Fee {$15.00} XX/XX/2020 Interest Charge On Purchases {$0.00} XX/XX/2020 Interest Charge On Purchases {$0.00} XX/XX/2020 Rush Card  Fee {$15.00} Thank you for this attention to this matter. If US Bank is willing to have practices like this with long time, paying customers, I can only imagine the tactics they are taking with vulnerable customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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: Public record information inaccurate

Complaint:
Hello to who it may concern, my name is XXXX XXXX XXXX. i am a victim of identity theft, also when i pull my credit report on XX/XX/2019 i saw that a lot of the information was not mine i did a police report as well as a identity theft report. my FTC report number is XXXX, i send the information to al 3 credit bureaus plus the companies but XXXX  keeps on sending me a credit report with a name that is not mine. i send multiple times the both report policy and identity theft but it seems that they don't even look at it. 
in-reference to the accounts all of then got erase, but my personal information has not been update. 
now i see that for the bankruptcy all 3 bureaus there are not reporting it correctly and also to my understanding by the FCRA all information needs to be accurate and complete i send then poof that information that they are reporting is not complete and accurate. i send letter on XXXX, XXXX, XXXX XXXX, and XXXX but they keep sending me the same answer. i had ask then to send me proof but they don't send me anything.

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 2018-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 recently checked my credit report and noticed a hand full of credit inquires that I did not recognize and should not be on my report. I have listed the inquires below : XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX   : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Paypal wallet was used to receive XXXX, back when i was mining, paypal nownew now closed my account not allowing me to track to see if the digital curremcy was ever received. Please lok into this for me, paypal closed my acccount because of the fault of others

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: DataMax Corporation
State: NC
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:
According to the FCRA this company DATAMAX CORP needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Every month to login to make the payment I have to reset it all over again.

So if my payment is due on a Saturday the auto payment system ask for two months payment and when I want to make only the payment that is currently due it will not take it and send me to customer service but they are closed.

I have complaint to them and they do nothing.

This issue happens every month and then I have to call them and have them reset my password again. This has happened 7 times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX Notice for validation. This debt was put on my credit report without notice and i would like them to validate that the debt with a itemized bill to confirm amouts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: ARC Management Group, LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started contacting ARC Management Group in late XX/XX/XXXX to request proof of payoff that occurred in XX/XX/XXXX. They verbally stated that the debt has been payed to XXXX, but I have requested written proof 4 times. Each time, they say " we will forward the request to the department who sends out that information, and you should have an email in your account with ( insert varying time frames here ) ''. I have yet to receive a written proof of payoff and the business office will not help me resolve the situation - they will only resend the request to another department.

Company response to consumer: Closed with explanation