BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: Atlanticus Services Corporation
State: CT
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 these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/FORTIVA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is currently data furnishing illegal, erroneous and outdated information to all major credit bureaus. I have sent three written demands ; Validation Demand, Estoppel Letter and Intent to Sue in hopes of obtaining a complete account history and ultimately correcting their records in order to correct the bureaus reportings. I have only received one letter in nearly 120 days of my attempts and the letter simply states they would like to speak to me. I have a legal right to complete my written request and keep all communication in writing. This company has violated the Fair Credit Reporting Act in multiple ways. I am in desperate need of having this account data corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Credit Central Holdings, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving numerous calls from Credit Central at XXXX trying to get in touch with my sister-in-law that I have not spoken to in two years. I have no idea where she is located and I did not give her permission to give my personal identification as a reference ( ever ). I have asked this organization at least three times to remove my phone number from their records. Just this week I received a call on XXXX/XXXX/16 and XXXX/XXXX/16. I told them again to stop calling me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2020, I faxed a letter to XXXX XXXX XXXX after a conference call with their service representative, and a representative from XXXX XXXX of XXXX XXXX. The letter and call were designed to explain to XXXX XXXX XXXX that during the process of paying off my loan with them, the dealership ( XXXX XXXX of XXXX XXXX XXXX made a mistake and misapplied the payoff payment to another customer 's account. This was not my error. 

*I purchased a new car in XXXX and during the same month, paid off XXXX XXXX The misapplication of the payment erroneously triggered a late payment for me, reporting for XX/XX/2020. 

After initiating disputes regarding this matter, the credit reporting agency, Experian, has inserted a late payment for XX/XX/2020, even though the the loan was paid and closed before XX/XX/2020. 

XXXX has inaccurately reported the payment history on this account. It reports late payments, with a date of first delinquency of XX/XX/2020 after the account was closed. Again, requests to have this properly investigated have failed. How can my account report late payments before the date of first delinquency of XX/XX/2020? 

I have a right to have the information updated or corrected to reflect complete and accurate information. Otherwise, the account must be deleted. Neither CRA Experian or XXXX  has complied with the law. They have not properly investigated my disputes. 

Here are the violations I am asking to be investigated against Experian and XXXX  : 1. Failure to provide me with the information used to determine the result of their investigation. They have provided me with any documents from the furnisher ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )

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 2018-01-02
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX claims they represent XXXX XXXX XXXX in attempt to collect a debt in my name at the amount of {$180.00}. 
I 'm not aware of this debt. My relationship with XXXX XXXX XXXX ended in XXXX 2009. Even if such debt existed, based on Statute of Limitations for this kind of debt, which is six ( 6 ) years, it 's run well past the SOL. The debt has never been marked on my credit file and does n't exist as of the time of writing of this complaint. Neither the collection agency nor the original creditor may pursue any kind of collections since 1 ) no legal actions as an attempt to collect had been initiated within the time frame allowed for this kind of debt by the applicable law and 2 ) the SOL had expired as well.

Based on the above, the actions of XXXX XXXX are considered to be illegal and in violation of the corresponding Federal Law.

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 2022-02-11
Company: EQUIFAX, INC.
State: MI
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 without 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 719XXXX 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 heck 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion credit bureau would not help and take care of these negative inquiries reporting to my credit report. These are the negative inquiries. XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-01-01
Company: WELLS FARGO & COMPANY
State: KY
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:
This is I believe the second request to remove all non-account inquiries over 30 days old as I did not initiate these inquiries. This company is required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account/contract with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX WELLS FARGO BK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01
Company: SYNCHRONY FINANCIAL
State: KY
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:
This is I believe the second request to remove all non-account inquiries over 30 days old as I did not initiate these inquiries. This company is required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account/contract with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-10-06
Company: Radius Global Solutions LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2018 I had lab work done at the XXXX XXXX XXXX in XXXX Ms . The lab work was totally unnecessary according to My Medicare advisor and my Supplement Insurance for the amount that was denied by both insurance companies for the amount of {$200.00}. I was told the test was done in order to determine if I needed a specific medication for XXXX XXXX ( XXXX ). I have never had to pay any sort of balance on anything XXXX dr visits, hospital stays, out patients surgeries, NOTHING, in the past 15 years as I am XXXX and I have 2 insurances. According to XXXX and XXXX supplement, this blood test was filed as a plain DRUG TEST. Nothing more. XXXX XXXX is sueing me for {$200.00}. I do not owe this money and have tried to settle this for over a year. Radius Global Solutions out of XXXX MN has been sending me threatening letters now. There is now way I owe this {$200.00}. My insurance claims it is the way XXXX filed the claim. XXXXXXXX says I owe the money PERIOD. The drug XXXX is a common drug that is prescribed very often for men and women that does not require any type of testing. It is for XXXX XXXX for one thing, and is used to treat several other common problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Adler Wallach & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was informed by XXXX XXXX that they were an authorized XXXX  provider in the XXXX XXXX XXXX XXXX XXXX  Plan. They were listed in the XXXX provider directory as well. I made an appointment for a XXXX XXXX, I paid XXXX XXXX {$140.00} for the procedure. They told me the balance was billed to XXXX. Several months later I received a bill for {$120.00} from XXXX XXXX. They told me XXXX did not pay them so I must pay more. XXXX XXXX informed me that they lied to me and that they were no longer in the plan when the procedure was performed. 
I feel this is a scam, I could have had the work done for {$100.00} at 3 other XXXX providers. 
They have turned this claim over to an agency that has messed up my credit with a phony collection claim. 
I do not have the funds to fight them. 

Thank You for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

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 2017-07-13
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has been calling every phone number we have for 2+ years and we have told them numerous times to stop calling and that the debt is invalid because it was coded incorrectly at the medical office or the insurance would have paid it. This is a company that bought the debt so they do not care. Every phone call was abusive on the collectors part including yelling, offensive language and threatening us by telling us he will call as much as he feel like calling. We have told them this is disputed and we will not pay. I finally mailed a cease and desist letter " certified '' on XX/XX/XXXX. I have receipt that it was received and they still call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Like 143 million other Americans, I was the victim of a devastating leak of personal information that will leave me susceptible to identity theft for the rest of my life. In order to try to minimize the fallout of this egregious breach of consumer trust, it was a necessity that I place a credit freeze on all my credit files. And yet, even though the events forced me to place this freeze were beyond my control and no fault of my own, I was forced to pay {$10.00} to each of these bureaus to place the freeze, and will be forced to pay again should I need to thaw my credit files. This simply is n't right. Credit freezes and thaws should be free. Freezing your credit is a protective measure, and consumers should n't have to pay to protect themselves, especially when it 's to protect themselves from the incompetence of these credit bureaus that are allowed to accumulate so much personal information, without consent, on so many Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collection company NCB has already been removed from other reporting bureau companies and should also be removed from XXXX. NCB is constantly being reported monthly with a balance which should have a zero balance as the collection agent. Also, reporting incorrect and inaccurate dates of payment and account status to re-age the account. This is a violation against the fair credit reporting act by the agent reporting fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company keeps calling repeatedly. I don't want to be called. Especially when it's debt that I know has been discharged.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was going to XXXX school in XX/XX/89, and they took all the monies, one day we went and the next day after we gave the monies to the school they were closed, I never finished school, I am on a fixed income and now they are taking it out of my Social security they has been 27 years I have called repeal times about this and I asked because the school closed and I could never finished I was a single mother of XXXX kids and I had to work, I would like to see if they will Reduce the loan amount or even cancel. I am XXXX please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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: Was not notified of investigation status or results

Complaint:
hi im just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over 3 months now, I thought I would get a response from your company after 30 to 45 days but it seems like you didn't take it seriously or something. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CURO Intermediate Holdings
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AD ASTRA RECOVERY SERVICE at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KA XXXX has been agrresively sending attempts to collect the amount of {$750.00} and the collection has been reported to as past due. I do not know this company, and I do not have any business with this company. I do not have a signed contract with this company.

Company response to consumer: Closed with explanation