BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: GREAT LAKES
State: AR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
GREATLAKES AND XXXX KEEP CALLING MY CELL FOR XXXX & XXXX, SKIP TRACING FOR THEM. PLEASE FURNISH ME ALL YOUR NUMBERS USED TO CALL ME SO I CAN BLOCK NUMBERS ON MY CELL PHONE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Peak Acceptance, LLC.
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 status incorrect

Complaint:
I had a car loan with Peak Acceptance LLC XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX The loan was opened in XX/XX/XXXX and the car was repoed in XX/XX/XXXX since then they still have the account as open and late payments reported on my credit every month for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX I have called them and asked them to close the account and take the late payments off from the time they took the vehicle back. I have disputed on credit report but the come back saying the information is accurate but it is not.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-11
Company: ECMC GROUP, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I, XXXX XXXX, would like to submit a complaint against Educational Credit Management Corporation and XXXX XXXX for taking collection activity on me for time-barred student loans they are not permitted by law to collect on. These entities also blocked Title IV Federal Student Aid benefits I was entitled to for semester Fall XX/XX/2018. They lied on the amount, character and legal status of the loan to facilitate a loan rehabilitation agreement in which they collected monies from me. I submitted timely objections per the loan rehabilitation agreement citing all the reasons I made in this complaint and they have gone unanswered. They sent me a letter stating that they was going to wait for the submission of documents for me in regards to a loan discharge due to a XXXX after they told me on the phone that they wasn't going to process it. I understand that CFPB is empowered by law to enforce the Fair Debt Collection Practice Act and subsequent state 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 2022-11-18
Company: EQUIFAX, 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 status incorrect

Complaint:
I have a HELOC with XXXX ( XXXX ). The balance of that HELOC is XXXX ( i.e., XXXX XXXX ) and it has been at that balance for several weeks. My prior history is perfect, with no late payments, and I had a personal credit score of 800+. 

Recently, I received an update on my credit report showing that my XXXX XXXX was 'delinquent. ' This affected my credit score severely, dropping it by over 60 points. 

I contacted the company about this error, notifying them of the XXXX balance and lack of any delinquency. While they admitted the content of the error, they have thus far refused to reverse the delinquency filing. Furthermore, they have refused to address this issue in a reasonable amount of time and without unreasonable requests from my side. 

Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, XXXX is now knowingly in violation of the FCRA and is not taking steps to correct that violation. 

I have attempted multiple times to have XXXX reverse the erroneous delinquency filing and they have refused to do so on each occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX, I requested Experian to remove from my credit report files, information about my student loans that are affecting my credit, and my ability to move on and rebuild my life. 

Originally these institutions used to have my loans : XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Inactive as of XXXX I already consolidated these loans with XXXX   XXXX  XXXX  XXXX, and I'm paying on time. These double reporting is causing a double effect on my credit, on one side I'm receiving positive reviews for my good payments with XXXX, and in another hand a negative one from those mentioned. We have to take into account that these are the same loans, the same amount of money lent to me, and is causing collateral damage. 

These double reporting mix is inconsistent with the honesty of the agencies and does not help me build my credit, do not preserve the integrity o my responsible history payments. 

Please help me with Experian, and XXXX  to remove this information. XXXX already removes them. 

I'll be eternally grateful, Thank you very Much. 

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 2022-08-07
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: Personal information incorrect

Complaint:
My complaint is about my personal information is being reported wrong. 
They are housing these incorrect addresses on my report which I have tried several times to get these wrong addresses off my report which they are not mine and I have never lived there in by Law if I never lived at these locations to avoid FRUAD and they need to remove these incorrect addresses.. 

I contacted these TRANSUNION, XXXX AND XXXX on XX/XX/2022, XX/XX/2022 and they haven't resolve the issue. 

In addition to XXXX they are reporting the wrong birth date on my report and they I asked to to fix it several times and they still haven't fix this issue.

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 2017-12-21
Company: Avantus, LLC
State: TX
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:
Hard inquiry against my credit report exists, without my knowledge, and consent by Avantus LLC, on XX/XX/2017, which I dispute and would want to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/XXXX received an unsolicited and unauthorized email from Resurgent Capital Services claiming I owed a debt from XXXX. I replied to that email asking for a cease and desist and fraud handling. I also asked for no further calls, emails or letters. This debt is also past the statue of limitations and whatever the original creditor was, as they are now out of business, sold this alleged debt. 
On XX/XX/XXXX I received a letter from the same company violating the cease and desist that I gave in writing. When I called to ask why XXXX and XXXX could not help or tell me why this letter was sent and could not give me information to contact their legal counsel, consumer advocates or any other department that could review this. I was told if I wanted to know then I would have to remove the cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX, I requested XXXX to remove from my credit report files, information about my student loans that are affecting my credit, and my ability to move on and rebuild my life. 

Originally these institutions used to have my loans : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Status : Inactive as of 1996XXXX I already consolidated these loans with XXXX XXXX XXXX XXXX, and I'm paying on time. These double reporting is causing a double effect on my credit, on one side I'm receiving positive reviews for my good payments with XXXX, and in another hand a negative one from those mentioned. We have to take into account that these are the same loans, the same amount of money lent to me, and is causing collateral damage. 

These double reporting mix is inconsistent with the honesty of the agencies and does not help me build my credit, do not preserve the integrity o my responsible history payments. 

Please help me with XXXX, and Transunion to remove this information. XXXX already removes them. 

I'll be eternally grateful, Thank you very Much. 

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 2018-04-11
Company: BB&T CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, I opened a personal checking account online with BB & T Bank. After some complications and inability to log into my account online, I tried to call them. Each time I called the only number that I could find to reach them, I waited very long and had to give up before reaching a person. Finally on XX/XX/2018, I spoke to a customer service representative after waiting around 45 minutes. I do not remember her name. Due to a few reasons, ( one mainly being my overall experience with the bank already ) we decided that I would not keep the new account and I would get my opening deposit of {$50.00} back. I explained that I was unable to visit the local branch since I was traveling abroad very soon and would not be back to Florida in the near future. The name XXXX XXXX and phone number XXXX were given to me saying she was from my local branch and would follow through with closing my account and getting a check mailed to me. 

On XX/XX/2018 I received an account statement in the mail, indicating to me that the account was still open and I'd been charged a {$12.00} maintenance fee on XX/XX/18. 

On XX/XX/2018 I called the local branch and XXXX was out. I spoke to a man named XXXX. He tried to help me, but said I'd have to come in to the branch. I explained that I'm now in California and have no plans for returning to Florida. I asked to speak to the manager and he  told me that she, XXXX, was busy and would call me back soon. I called XXXX number 3 hours later and left a message saying that she never called me and to please get back to me. 

I never heard back from her and have not received my opening deposit back. I have no way of visiting a local branch since there are none in California. I still have no online access to the account. I attempted to take back my remaining {$38.00} by using the Debit card, but its been closed by 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 2021-04-05
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:
THE ACCOUNTS LISTED AE FRAUDULENT SOMONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
First Interstate Bank closed my account without notice because of a zero balance that persisted for 30 days. I was not given a chance to bring the balance up or given any warning at all, I found out when I went to check on my direct deposit that was scheduled to hit on XX/XX/21. I called the support number for First Interstate Bank and was informed my account had been closed on XX/XX/21. Due to this sudden and unwarned closure, I will now face late fees for my cell phone bill and my car insurance. I am also unable to access my pay until my employer is able to issue a paper check, meaning I also can not pay rent or refill vital medications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: CURO Intermediate Holdings
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent Ad Astra Recovery Services Inc. a letter for alleged balance of XXXX that i don't owe. i request documentation of the validity of the debt that i haven't received as of yet. i also attached a copy of the letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Over charged me for a loan on a used car. Didn't disclosed all the fees either. Car broke down and was repossessed. On top of reporting inaccuarte numbers on my credit.

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 2019-02-22
Company: CNG HOLDINGS INC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Purchased lawn equipment through XXXX they offered to apply for their no interests same as cash thru WHY NOT LEASE IT program. Highway robbery. As, the loan has come to an end we have had trouble with the buy out amount. It changes with their excessive fess and interest every time i try and buy out. I have tried taking my card off the on line account so they don't take any more money but website doesn't allow you to do that.It makes you speak to a representative and you are practically forced to go through the whole buy out process again. if you don't buy out your put on monthly you cant afford with excessive absurd amount of fees until you can buy out which are EXCESSIVE but, when they have access to your debit card and bank info you have no choice. Which you provide at purchase in order to apply for their program at XXXX stores. XX/XX/XXXX the merchandise was purchased for XXXX. To date XX/XX/XXXX they have collected a total of XXXX. After arguing and demanding them to stop and telling them i will file a complaint I still had to pay another amount to buy out of XXXX today. Which now comes to a grand total of XXXX. I am so disheartened that this company is allowed to business in the us. Help us!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2021-08-12
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
WELLS FARGO DEALER SVC, sent me a letter and said they errored on there part. and these 2 late payments need to be removed.

ASAP

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 2020-11-24
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$1200.00}, {$650.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account.

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 2020-10-16
Company: Professional Credit Analysts of MN, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For over a year now ( XX/XX/XXXX XXXX, I've been requesting, on multiple occasions, via certified letter, USPS, that Professional Credit Analysts of MN send me proof of validation of multiple debts they are reporting on my credit reports. As of today XX/XX/XXXX, they have failed to furnish any signed contracts or any of the other docs requested. 

In addition, the first time I've even heard of this company was when I pulled my credit report last year and saw a number of accounts. I NEVER received any initial communication from Professional Credit Analysts alerting me to any of these alleged debts, and not letting me exercise my right to dispute. 

By refusing and failing to provide me validation for over a year, and not sending an initial communication letter, they have proven they're intent on defaming my character by reporting erroneous items on my credit report. Not only that, but based on what's on my reports, they are reporting wrong information, and on top of that,, reporting a number of different dates across all 3 bureaus, it appears they are attempting to re-age these debts.

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 2020-05-26
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get a robocall about once a week from a debt collection company called First Point. I  have medical debt due to having XXXX and the treatment that followed. I politely explained to the company that I would gladly pay the debt when I'm recovered and back to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I Filed complaints against Equifax on XX/XX/2023 when I noticed accounts on my report that had information reporting incorrectly for 6 years after attempts to resolve the matter failed. On XX/XX/2023 I filed another complaint about retaliation for filing the previously dated complaint with the Consumer Fraud Prevention Bureau. I am still having to deal with injury to my standing as Equifax is attacking me again. Equifax claims to have confirmed the information of the account as true and gives this as the reason for harassing me but I have a contract that conflicts with their claims. Per the contract of my medically accepted discharge no new adverse information would be reported and I have already received confirmation of such process has been completed with a verified forgiveness and receipt from the IRS sent to me from the creditor as required by law. Once again this is an attempt to intimidate and damage my financial mobility and this has been going on for XXXX plus years now and I have been injured because of such.

Company response to consumer: Closed with explanation