BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I corresponded with ALLIED COLLECTION SERVICE on XX/XX/, by notarized letter, advising ALLIED I would agree to pay any debt I lawfully owe on condition ALLIED provide the following in writing : validation of " debt '', actual accounting, verification of this " debt '', a signed Invoice, ALLIED 's claim against myself and the contract binding ALLIED and myself. I corresponded with a follow-up notarized letter on XX/XX/, requesting the same information to no avail violating 15 U.S.C. 1692 ( g ). Given the fact Allied has never responded to me and/or furnaced my requested information well over the mandatory thirty-day time period, this " debt '' should be removed from my XXXX and XXXX XXXX XXXX with positive point increases to my FICO scores. XXXX has removed this " debt '' from my Credit Report however no positive point increase on Credit FICO score. Also, ALLIED has repeatedly contacted my mother, father and sister violating 15 U.S.C. 1692 ( c ).

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 2023-10-12
Company: Cascade CISS Holdings, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not request any loans and do not authorize any pulls of my credit from this company. Please remove inquiry. I have contacted the bank and they have no record of my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: IN
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 received my credit report on XX/XX/2023 and i notice there were adress that in my account have permissible pourpse to be on there these adress are fraud. i already reach out to the credit bureaus about this multiple times they keep violating my rights under 15USC 1681b. I also have attach the adress on file that don't have no purpose to be on my credit report

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 need to report XXXX  account for violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAPRemove the account immediately. Thanks. 

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 2023-10-12
Company: Freedom Mortgage Company
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account was paid in full and it is still being reported to the credit bureau as owing the full amount and being delinquent. i disputed the information with each credit bureau and all XXXX came back as accurate despite me providing court documents and letters from the mortgage company stating the loan was paid in full.

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 2018-01-14
Company: GREAT LAKES
State: KY
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: Billing dispute for services

Complaint:
On XXXX XXXX, XXXX I disputed the accuracy of my student loans via XXXX XXXX. Today 's date is XXXX XXXX, XXXX and my dispute is still ongoing. To my knowledge companies have 30 days to investigate and update any inaccurate information or to delete any inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: GA
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:
Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed this inquiry for account I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove this inquiry and inaccurate accounts I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please note that XXXX credit bureau has deleted the disputed item. However, capital One has intentionally posted it again. I believe that capital One has posted this again on purpose to ruin my name. I have the original screenshots of the item being deleted by XXXX. But Capital One has intentionally posted the deleted item again. Please see attached screenshots of original deleted items from XXXX. 
Account name : CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$2000.00} Highest balance {$2300.00} Terms NA On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ans INQUIRIES 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 2018-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Hi my name is XXXX XXXX and I am writing because I have a 30 days late payment on my credit report. I spoke to capital one about it and I didn't know that my payment was returned on XX/XX/XXXX. I was not notified and I have always been a value customer paying my bills on time. The late payment hit my credit report and know my credit score is affected severely. I need help please if you can please forgive me and give me one more chance I promise I will not mess up. Im only XXXX and still young and I know i slipped up once but I won't again I don't want to suffer for 7 years. Also a Representative said he disputed it. I hope you read this and help me. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to contact this company in regard to this debt not being accurate. They have attempted to collect on this debt fraudulently when another debt collection agency had already had the debt. They opened this account and the debt was paid to the original debt collection agency, Hunter warfield. This company that is attempting to collect the inaccurate debt is claiming my account has been transferred to a lawyers office, and they will sue me if payment is not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: SC
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: ASTA FUNDING INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
wasn't aware of owing any creditor as i check my credit report frequently. On XX/XX/2020 i went to withdraw some money from my account and my balance was {$0.00} on checking and my savings so i went into the bank and was told that the XXXX XXXX XXXX XXXX XXXX XXXX had a judgment against and was allowed to take money from my accounts. So I called XX/XX/2020 spoke with a gentleman asking why did they take my money he then asked for my last for of my social I gave to him. He then said yes I owed money so I replied to who do I owe money to how much and what is the company name that I apparently owe money to he then said hold, but hung up on me. I then called back no answer so I called repeatedly and no answer. I did get a copy of the Judgement and everything that shows for my current Information is incorrect except my social security #, So I was never given or even mail me a judgment so I could respond. The address noted on the judgment is not my address there is no ph # for me so I do not understand how they got away with taking someone's money like that no up to date or current info. I just lost my XXXX-year-old son he was XXXX and the money in my savings was money i had saved and collected to bury my son so you can imagine what I'm going through having to deal with something that has nothing to do with me as far as I can see. They have violated my rights in every way this is unjustifiable, recklessness on their part and should not be practicing as a lawyer. How many other consumers have they done this to most likely no one has spoken or made an attempt to file a complaint because they are a lawyer so the consumer gets scared. well, i demand that they suspend their license for knowingly Intentionally taking advantage of a consumer who they most likely thought would not take this further.

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 2019-05-06
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
For the last 2months I been getting pH calls about XXXX XXXX I was told aggressively this your bill you open it very disrespectful after they were told the item was disputed they tell me 3 party sent that to them and it need to be paid didn't really get fair chance to talk without demanding a payment now it's different representative keep calling all day early in the morning, the company amsher if I'm not mistaking. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
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: Personal information incorrect

Complaint:
Experian 'snail mail ' address disappeared from the report. I called to dictate a valid " physical '' address to replace the fault. They entered it incorrectly. They refuse to correct it because it is international. BUT THEY ENTERED IT BY TELEPHONE WITH 2 TYPOS. 
THEY insisted that I send documentation by snail mail for the change. I did - exceeding their requirements. 

My 'snail mail ' forwarding address, previously on file " disappeared '' - should re-enter. 
XXXX XXXX " XXXX '' XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX My " physical international address '' which was entered with typos.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX they entered " XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX., XXXX Misspelling XXXX, and IDing XXXX as my state. 

further XXXX is an invalid tel invented by them. 

Further, by slip of the tongue, their operative told me that, 1 ) because I live in another country, and 2 ) because it has its own reporting system, they have no authority to report on me. Only historic data could be maintained. 

It has been 6 months. they are in violation. their report number is 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 2023-04-15
Company: EQUIFAX, 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$8000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint with you regarding this Portfolio Recovery Associates. My complaint number was This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 The response from this company is false. Which play right into the discestives practices that ensues them. This is NOT A FINANCIAL INSTITUTIONS. THEY ARE A JUNK BUYER. They have refuse to produces and sign documents that I came into any business dealing with them. Once again because of there hiding behind laws and privacy act that does not action pertinent to them the have continue to damage me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
On XX/XX/2023 a loan officer from XXXX XXXXNewrez ran my credit for refinancing my current mortgage and stated on recorded line my credit score was XXXX and as long as my home appraisal was XXXX or more we could move forward it appraised for XXXX when I sent my income verification SSDI award letter I was sent a denial letter after they took appraisal and other fees from me. I have a XXXX XXXX and was taken advantage of by XXXX XXXX loan officer and won't return my calls or emails

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Exeter has been denying my several requests for copies of my contract signed with them for my XXXX XXXX XXXX, they have purposely lied to me regarding the legal rights of the second cosigner on the car claiming that she was a " cosigner '' versus a " Coborrower '' which changes the legal possession and dynamics of the law and contract drastically. They have denied every request I have made to be take off the car loan or accept a voluntary surrender of the car. They have refused to provide me with monthly bills as well as accept updated information for address changes. When requesting to speak with supervisors the staff are often argumentative and refuse to transfer to a supervisor or they just simply hang up on me when I ask for a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Maximus Education, LLC dba Aidvantage
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for the SAVE Repayment Plan on the Federal Student Aid website on XX/XX/XXXX. Aidvantage my loan serviced received my application and I called to make sure I would be switched over. The representative said I was good and I would be receiving information about my new payment of $ XXXX. Instead of switching me to the SAVE plan with an estimated monthly repayment of $ XXXX, they took my original IDR plan with monthly payments of $ XXXX and applied my SAVE application information to increased my payment to {$1300.00} under the prior IDR plan. I was informed of this new payment on XX/XX/XXXX. I called again and stated this is not what I agreed to do. The representative stated it was submitted wrong and that she would fix it. I paid a forbearance fee of {$5.00} on XX/XX/XXXX to exit the IDR plan I was previously on and go into the SAVE repayment plan. On XX/XX/XXXX I received my statement stating it was for {$1300.00} ( the prior due amount with {$5.00} subtracted ). I called again stating I was in the wrong plan and that I never approved my application to be used for the prior IDR. The representative stated she was going to fix it and extend my forbearance period so first payment of {$800.00} would be due at the beginning of XXXX. Notified of forbearance approved on XX/XX/XXXX. I received documentation that my new IDR was approved on XX/XX/XXXX, but it is still for the prior IDR plan and the expected payment is {$1300.00}.

Company response to consumer: Closed with explanation