BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-08
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the company to have it removed because the bill is not correct. I asked for documentation validating charges but they weren't able to provide any. I asked that this account be removed off your credit report because the fair credit reporting act states they must supply you with an agreement between you and creditor and they have failed to do so, so i do not owe the bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an ex open a utility account in my name using my information. I have disputed this several times. I never had a written contractual agreement with XXXX XXXX XXXX. I have disputed this account through the credit bureaus multiple times. I have letters from a room mate that states I was living in a completely different residence at the time the power account was opened somewhere else. I want this debt collection agency to cease all attempts to collect on this fraudulent account. As well as to discontinue reporting to all 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: EQUIFAX, INC.
State: TX
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:
DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY.. DELETE SEC XXXX XXXX XXXX****, DP OF EDUC XXXX****, DP OF EDUC XXXX****, USXXXX XXXX****, DP OF EDUC 3412****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: P.S.C., Inc
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is a debt on my credit report that not only does not belong to me, as I have never used those services, it is reported exactly two times on my credit report. The same debt which is not mine is reported twice. I tried to dispute this through XXXX XXXX, but have not received a response. I'm trying to qualify for a home mtg and can not until this is resolved. On XX/XX/2019 a debt for {$680.00} was reported two identical times on XXXX  and two identical times on XXXX. The collection agency is XXXX XXXX XXXX with the original creditor being XXXX XXXX XXXX XXXX. This is not my debt.

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 2019-11-12
Company: EQUIFAX, INC.
State: NJ
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 have been disputing items on my credit report that have already been removed but, It seems like my process has been delayed constantly. Its been months on sending a countless amount of letters to the credit bureaus to make them aware of these accounts that should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: CT
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 XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$53000.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2019-06-14
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 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 2022-03-22
Company: EQUIFAX, INC.
State: FL
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 is sending harassing letter told not to contact back in 2017 per XXXX! Also sent letters to Credit Agencies and Creditors but still negative reporting and having third party contacting me for a debt no longer owed or under contact since 2017!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an old debt and the found I started working and started a garnishment. I am like " ok they taking an small monthly amount so is ok this will be paid and removed from my credit '' So now months later I check XXXX more closely and see they are $ XXXX over what my credit score reports... Now I go to the website of collection and the have reported I paid them {$400.00} over what is in my credit score but they say I still owe {$880.00} more and they can't do anything because a third company is handling my account and they closed the chat! 
I called the second collection agency XXXX XXXX XXXX XXXX and logged in my account with them but they refuse to talk just put me on hold for hours! 
Numbers : XXXX : {$1300.00} XXXX XXXX : already collected {$1600.00} say {$880.00} remind to be paid. 

Money garnished already in my statements : {$1800.00} XXXX XXXX XXXX XXXX XXXX website : no payment is recorded in their website!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: First Data Corporation
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from TRS Recovery Services XXXX Inc. saying that I owe {$420.00} for a bank overdraft fee at XXXX XXXX XXXX XXXX. I was sending TRS Recovery Services payment of {$30.00} once a month from XX/XX/XXXX-XX/XX/XXXX I send them a total of {$150.00}. I called XXXX XXXX XXXX XXXX and I talked with XXXX XXXX ( collection specialist XXXX ext. XXXX ) I was told that they have n't received any payment from TRS Recovery Services and that they no longer worked with this company. XXXX XXXX told me to send her a copies of my checks made to XXXX XXXX XXXX. I try calling this company several times and I was n't able to talk to a real person. I then send in a inquiry form to TRS Recovery Services about my account. They send me a letter saying my account was closed on XX/XX/XXXX and they are going to refund me {$55.00}. TRS Recovery Services owes me {$94.00}. I called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX on XX/XX/XXXX to get an update and I was told I needed to get in contact with XXXX XXXX at TRS Recovery Services she is the one handle your account. I called XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX I did n't get anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently challenged the validity of XXXX XXXX Account XXXX thats being reported on my most recent credit report. Upon challenging this, XXXXn updated the payment history to current with no late payment history based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Equifax, they have verified this same account. Its my understanding that the creditor reports the same information to all credit bureaus as expected by FCRA. If the information is true, Im requesting the information Equifax used to verify this account payment history in writing. If such documents can not be produced please notify Equifax to update this account on my credit report immediately. Equifax failure to validate the account violates my rights as a consumer. How is it that XXXX doesnt reflects a late payment. XXXX reflects late payment for XX/XX/XXXX and Equifax reflect late payment for XX/XX/XXXX. If the information was validated all credit bureaus would reflect the same information. Im requesting legal action to remove information from my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: The Phoenix Recovery Group
State: GA
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:
PAY ATTENTION CFPB first, Phoenix Recovery responded and said they attached documentation that was not included. When I followed up, they sent incomplete information. For a contract to be considered legally binding, you must produce the entire contract. A portion of a contract can not be enforced on its own as the reader has no idea of the contents and terms of the undisclosed portion. Without producing Pages 2-7 of the contract, I have no idea what the terms of the contract are. Without pages 2-7, PRG does not have an enforceable contract and therefore is not entitled to collect on an unenforceable contract, and I demand that they immediately remove this account from the credit bureau reported as you have not established a legal right to collect any debt. Your refusal to comply with my request to remove the account from credit bureau reporting may make you liable for additional willful or negligent FCRA violations under Sec 616 and 617. I also noticed the account number was changed from XXXX to XXXX, which seems to be an attempt to re-age the account. That has to be an FCRA or FDCPA violation and an attempt to manipulate the reported information!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: LDF Holdings, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for this installment loan on XX/XX/2019 for the amount of {$1200.00}. This amount was deposited on that date. If not paid in full at any given time the APR is 673.84 %!! 
I was not able to pay in full. The following payments have been taken out of the XXXX checking account I had at the time. {$320.00} on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, & XX/XX/19. A total of {$1600.00}. I closed this checking account because I had taken out several of these in the middle of a XXXX  spree. I had no money left and no way to continue to pay these outrageous fees!! 
I have since acknowledged that I have a XXXX  problem and am in counseling and XXXX XXXX. I am getting help for this problem. 
I have contacted Amplify Funding and asked for a settlement. They will not accept less than {$1200.00}. Making me pay a total of {$2800.00} for a {$1200.00} loan! I was told that I could pay {$50.00} biweekly but another {$1200.00} is outrageous and unreasonable!! Not to mention would take two years to pay off. 
I am asking that this debt be considered paid in full or a more reasonable settlement. 
These companies prey on people like me who look to this as a solution in complete insanity and desperation! These companies should not be able to get away with these outrageous fees!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Please help me. I'm XXXX and XXXX, that said I have PayPal business customer service and supervisors on the recording I told them that I was recording and I caught the attention of not one, two or  even three lies but they were knowingly holding my money for the second time and permanently banning my ability to work with them again and I am still waiting for any reason or explanation or indicationof how or what the problem was. Well after the 1stagent claiming to be a supervisor he has to finally admitthat he is not and I asked him to transfer the call to a real supervisor, but not before asking for his employe ID # which I find out by the real supervisor that he gave me a false I'd #. I'm gon na digress because it gets so much worse and I will let whomever I decide to trust listento the unparalleled XXXX XXXX that justified them lockingme out of my own money. Please, help because I am an XXXX but I know when I am being bent over. Sincerely and my apologies for the language. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The original owner was XXXX XXXX sold to XXXX XXXX XXXX XXXX. I settled and paid in full with XXXX XXXX. I need XXXX XXXX as well as XXXX XXXX  to comment on my account ( my credit report, all three. That this XXXX XXXX store card or credit card was paid and settled and paid in full. Was a charge off but need remarks to say, or comments as paid and settled in full please. Thx 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 2018-04-25
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I received a email from you saying that Experian has responded. Well the information they respond with is not only incorrect but it extremely confusing to figure out. I previously submitted a complaint XXXX. I still cant log onto their website and can not change pw or username. Its broken. Cant call they dont answer the phone after many attempts, more than original complaint. Seems to me they are doing a good job of dodging the issue by saying the current issue is dated in 2015.

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 2019-06-14
Company: Experian Information Solutions 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 HAVE NOTIFIED EXPERIAN NOT ONCE BUT SEVERAL TIMES ABOUT THIS SITUATION AND THEY CONTINUE TO IGNORE MY CLAIMS. 
THEY HAVE REMOVED ALL THE UNOATHORIZED INQUIES BUT HAVE KEPT THE ACCOUNTS, SINCE THEY REPLY THAT THEY DONT UNDERSTNA DMY COMPLAINT I WILL UPLOAD MY MAIL TO THEM ONE MORE TIME AND HOPE THAT THEY WORK AS PER FCRA IMMEDIATLY Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 Sec. 1341

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 2018-09-02
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Opted out of all marketing three or four months ago. Current XXXX XXXX employee that must shred anything with my address for security reasons. Company XXXX XXXX XXXX sent me marketing with pre-approved offer anyway. Tried calling, line always busy or closed. Not interested in their trash.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08
Company: EQUIFAX, INC.
State: PA
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:
I requested my free annual credit report from the there agencies on the same date XX/XX/2019. Only XXXX and XXXX provided me copies of my report but not Equifax. This issue also happened last year with Equifax. Equifax does not respond to customer queries or provide a free copy of the annual credit report until a complaint is filed with the consumer protection agency. So I'm now filing this report requesting your help once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: ID Analytics, 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: Account information incorrect

Complaint:
In late XX/XX/2019, I contacted XXXX XXXX XXXX about TV and internet service. I was told i would have to pay a large non refundable deposit. They claimed my cretit score was too low. I received a letter the following week from XXXX XXXX XXXX stating that a company named Sage Stream gave me a credit score of XXXX out of XXXX. I requested and received my credit report from a company named XXXX XXXX XXXX who apparently contracts with Sage Stream to do the credit search. The credit report was excellent, yet Sage Stream gave me a very low score. My current credit score from XXXX is XXXX out of XXXX. I have now tried contacting Sage Stream no less than 6 times to resolve this matter but to no avail. Any help you can give me to resolve this dispute would be greatly appreciated. I will also be filing a complaint with the Texas State Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CORELOGIC INC
State: IL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, TELETRACK add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX/XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2018-08-02
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I PREVIOUSLY HAD 2 ACCOUNTS WITH XXXX XXXX XXXX  IN XXXX OKLAHOMA, ONE OF THEM WAS A JOINT ACCOUNT. THE ACCOUNT WAS SHOWING AS CLOSED AND CHARGED OFF. I DISPUTED THE CHARGES AND NOW THEY HAVE REAPPEARED AS IN COLLECTIONS. THIS IS AFFECTING MY CREDIT SCORE AND NEEDS TO BE DELETED, CORRECTED AT BEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, INC.
State: OK
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 sent a dispute letter into both Equifax and XXXX  on XXXX/XXXX/20. I disputed several inaccuracies and asked for the companies to update. Both Equifax and XXXX  have not responded to my letter and its now XXXX/XXXX/20.

Company response to consumer: Closed with explanation