BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: Recheck, Inc
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KS XXXX, from XXXX XXXX, regarding my daughter to vacate the apartment. I had co-signed for her, with the understanding my name would be taken off the contract in 6 months. There was no discussion of me going into the office and filling out new paperwork. That is what this office personnel is trying to do to connect me with this outstanding amount of {$1200.00}. She has on this notice, the date of XX/XX/XXXX, apartment # XXXX, from a good neighbor policy, that someone had a complaint, so they were just going to try and evict my daughter. 
I later received from : Recheck, XXXX XXXX XXXX, XXXX, KS XXXX, notices on these dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I spoke to the woman in the collections office numerous times and she is very aware it is my daughter 's debt, not mine. I was misled by XXXX XXXX regarding this procedure, and have not signed any paperwork regarding the procedure this company, so called established. Very poor communication and management. They have since, by the City of XXXX and XXXX, KS, had to condemn multiple apartments due to unfit conditions and them being run down. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Grain Technology, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I became a member of credit to checking deposit service called Grain in XXXX. They have increasingly changed their policies over the past year, including, recently, instituting a {$100.00} fee for a year of their " service ''. Having always made timely payments, my account has remained in good standing. However, when I logged into the application on XX/XX/XXXX I was informed by the app there were new " security '' procedures. I proceeded to log in and was subsequently told that they were unable to " verify '' my account ( after 2 years of usage ) and were rescinding my credit withdrawal line. My email to customer service, again, was responded to with their representative telling me they could not verify my identity and that their decision was " final ''. 

It's a curious situation as they did not ask me to verify any information. There was no request for identification documents, no internet-based authentication system, there was absolutely nothing - and no attempt was made to verify my identity. 

Further, this action was taken after I was debited the {$100.00} " yearly fee ''. Essentially, they took funds and did not provide the service. This is patently dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : 11 XXXX XXXX  ) XXXX Balance : {$720.00}

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 2021-05-17
Company: CCS Financial Services, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021 I filed a complaint against Credit Collection Services for them violating my HIPPA rights on XX/XX/2021 I received a response that the account would be closed and there would be no further collection attempts on this account however they instead updated the account with XXXX and XXXX as paid after charge off. This is false information and needs to removed from my credit report before I take further action. I've attached the company 's response from the previous complaint for proof.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: AL
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 was concerned about the latest security breach that Equifax had and I checked my report and noticed that there were a lot of credit inquiries that I did n't recognize prior to the breach and a couple afterwards. I contacted Equifax on XXXX/XXXX/XXXX to investigate and remove these inquiries and Equifax apparently did n't think my credit file was n't important enough to investigate my concerns. I received a letter back within a few days stating that the inquiries are actual and factual data. Basically, Equifax is telling me to go kick rocks. I called a couple of the companies and their phone numbers goes to nowhere, so this displays to me that there was n't an investigation done. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Equifax is clearly violating my rights as a consumer and I want to issue resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: SUNTRUST BANKS, INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XXXX was advertised on XXXX XXXX based on my credit scores as a place to apply for an auto loan. My XXXX XXXX is well above good. I filled out the various pages on XXXX 's page to apply for a pre-approval. In a matter of seconds, they responded with a rejection and placed a link to XXXX for this loan. It is my view XXXX is a phishing link for XXXX, they had NO intention to approve a loan based on the instant rejection. I have not been rejected by other lenders, rather I get offers each day for auto loans. Their web-site has no phone number to call either, no one to speak to. It is not a credible loan servicing company in my view based on my experience with other lenders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to communicate with GLA on several occasions. I have faxed, and sent certified letters, which were received and signed for. GLA in reporting on my credit report for a bill that I am not responsible for. On top of that, that have ILLEGALLY obtained my XXXX XXXX  to do so. They are violating my XXXX rights and trying to make me pay for a debt that I am not responsible for. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My issue is different and wasn't listed as an option. I've been trying for days to register my MD unemployment card on the BOA website ( already have the app ) so that I can arrange bank transfers due to the limited withdraw amounts with BOA ATMS and the limit I can deposit in my personal account via ATM. I kept receiving errors about incorrect security info. I KNOW I was entering the correct last 4 of SSN and card info right in front of me.I finally had some success with getting the account registered ( online ) today, XX/XX/20. When I tried to add my bank account info to setup the transfer, it told me the account number was invalid.?? Not that it was, but how would BOA know about my other account? I thought maybe it determined it was another prepaid account by the routing number and that wasn't allowed. So, I tried another checking account from a major bank and the same thing. As this is happening, I noticed that in the app, it says the card is unavailable and to contact BOA for details, but still shows my balance. Calling the automated line says my card is closed and to press 0 to speak with someone and every single time, it says they're unable to answer my call and hangs up. So, in this very inconvenient time we're all living in and many of us are already relying on very limited income from UE benefits and BOA is making it quite impossible to do what should be, the easiest and most stress-free of tasks regarding accessing our money. On top of that, we can't speak to someone at BOA for assistance in resolving THEIR issue. I don't mind waiting on hold for a while due to the influx of call volume, but hanging up immediately on everyone without the option to wait, is just plain WRONG!

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-06-12
Company: Google Compare Credit Cards Inc.
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Dear team, Recently I made payment through Google pay worth of XXXX bucks that amount was not reflect in any where I want immediately refund that amount please look in to this ASAP. 
Thank you Thanks & Regards, 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 2021-06-26
Company: EQUIFAX, 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 belongs to someone else

Complaint:
There are accounts listed on my credit report that do not belong to me. Additionally, there are inquiries in which I did not authorize. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Diversified Consultants, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX, XXXX XXXX appeared on my credit file. I disputed this collection account with Equifax on XXXX and XXXX I have contacted Equifax in reference to a collection from XXXX XXXX collection account reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. I currently have service with the " original creditor '' that is supposed to be collecting for the debt. I do not owe the original creditor.as I would not currently service with them. I have contacted XXXX XXXX on several occasions as well to validate this debt was mine. I have received nothing from XXXX XXXX except excessive harassing phone calls on a daily basis to my cellular phone. Equifax keeps stating that this debt has been verified however, I am unsure how this could be when Equifax has incorrect information listed in my credit file for my date of birth. The XXXX XXXX collection account is NOT my account and I request that it be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 non-monetary relief
Consumer complaint received 2020-12-22
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent three letters asking for them to show proof of my signature and of the agreement or remove it off of my credit reports. They have failed to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06
Company: JH Portfolio Debt Equities, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, JH Portfolio collection appeared on my XXXX credit report for the first time. I have disputed with XXXX on XX/XX/XXXX and XX/XX/XXXX and informed this collection from JH Portfolio collection account was reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. The original creditor deleted the account from my report. However, now JH Portfolio is now reporting. How is this legal to report inaccurate information when the original creditor deleted the incorrect information? On my police report I have even listed JH Portfolio as they are the company that is showing on my credit report. I have contacted JH Portfolio on several occasions as well to validate this debt was mine. I have received nothing from JH Portfolio except excessive harassing phone calls on a daily basis to my cellular phone. JH Portfolio has also aged the account to XX/XX/XXXX on my file for a date prior than when it originally appeared on my credit file. The J/H Portfolio collection account is NOT my account and I request that it be deleted from my credit file.

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 2022-01-05
Company: CITIBANK, N.A.
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:
They claimed i have to wait the 2 years even tough i didnt authorize the credit pull

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 2022-04-05
Company: CONTRACT CALLERS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is my XXXX complaint against Contract Callers. A very disrespectful representative XXXX called my phone today at XXXX AM and asked for my name and told me to verify the last XXXX digits of your social security number. He did not even verify where he was calling from. 

Very rude and distasteful phone call. As done before, a complaint was filed against Contract Callers who illegally put a collection on my credit. 
Now that I contacted CFPB and they had to removed the collection off my credit, they illegally call my phone. 

Again my question stands, is this company permitted to collect from Florida residents? Even if they now are, I am affected by the pandemic and out of work indefinitely. 

Please stop this company from contacting me and harassing me after the last CFPB complaint or I will have to find a free law service to help me file a harassment lawsuit. 

My last complaint was filed XX/XX/2022. Why are they calling me threatening me?

Company response to consumer: Closed with explanation