BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-11
Company: AMCOL Systems, 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: Investigation took more than 30 days

Complaint:
Completed online dispute with the credit reporting agencies on XXXX XXXX, 2017. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} EXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX {$620.00} AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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 is missing that should be on the report

Complaint:
Under the FDCPA Section 807 ( 8 ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX XXXX  ( XXXX  ), XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX c/o Rushmore Loan Management Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  ALL have failed to report a disputed debt to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC has an alleged debt listed on my credit report I don't have a contract with this company at all. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Professional Finance Company, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. PFC USA has several accounts listed on my credit Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Experian Information Solutions Inc.
State: LA
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:
Dear Experian I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the XXXX XXXX and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX - The date of last activity is inaccurate. Furthermore, i have never been contacted by this company about the debt they claim i owe. 
2.XXXX XXXX - I do n't remember having a charge-off. This account shows a balance as well. 
3.XXXX XXXXXXXX XXXX This account is reporting inaccurate. 
4.IXXXX XXXX XXXX - I have never done business with no have i been contacted by this company. 
XXXX. XXXX ( multiply accounts ) I have never gave this company permission to my medical information. How they have my information is clearly against my Hippa rights. I would like a medical release form bearing my signature or remove these accounts at once. 
XXXX. XXXX XXXX XXXX This balance and date of last activity is incorrect. 
XXXX. XXXX XXXX XXXX XXXX multiple accounts ) My loans have been consolidated and refinanced. I am not sure how this company is constantly flagging my accounts as late and negative. Please remove these accounts. 

Please get back to me. If, for some reason, you feel that you will not process my dispute after I have provided you sufficient proof of my identity, then I have no choice but to file a complaint with the XXXX, CFPB and attorney generals office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Velocity Portfolio Group
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid a collection from CKS Financial on XX/XX/XXXX for the amount of {$210.00}. During my conversation with one of the agents, I was told that if I paid the amount, the collection would be removed from my credit report. It looks like a mark from CKS was later added in XXXX of XXXX after a payment of {$210.00} was made. I have tried to contact CKS Financial but they will not return my calls or email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
in XX/XX/2019 XXXX XXXX sold my mortgage of 20 years to XXXX/XXXX/XXXX XXXX XXXX   .resulting in catastrophic results to my credit scores! XXXX XXXX insist they have reported to all of the credit bureaus in which XXXX  and XXXX ARE showing up after 3 months ... but as of XX/XX/XXXX Trans Union DOES NOT SHOW A CURRENT MORTGAGE on my account ( Distorting my credit score by 50 points ) ..I have spent hours on the phone with XXXX XXXX AND Trans union without a solution to this problem ..i am turning to CFPB as a last resort before retaining Legal counsel.

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 2017-11-08
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX Florida on XXXX XXXX, 2016 National Credit Cards/Airlines. Phone number XXXX i never applied for this.

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 2017-12-27
Company: EQUIFAX, INC.
State: TN
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 called XXXX XXXX XXXX to dipute credit card information that was incorrect on my credit report on XXXX 2017, I spoke to a supervisor and they could not locate any account with my name or social security number. I was told by supervisor that they will send an email to Equifax to have account remove from credit. its has been more than 90 days and information is still listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've tried several times to get my credit report from all of the credit bureaus. However, they then ask me for copies of social security and driver license. I've sent them four different times. Still over two years have not got them. I'm not sure what else to do. I've tried to do it on line but each time denied. I had to report identity theft since 2016. Reported to federal trade commission. Don't know if that has anything to do with it. Would appreciate any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I recieved a copy of my credit report and there are accounts that I do not recognize and have not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone at a XXXX XXXX  store stole my information and opened an account fraudulently and for some reason applied and created all kinds of inquiries under my personal information ... ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Please see the recording of the after hours call. 
The company below still continues to report this to the bureaus. 

This is the video saved to my XXXX XXXX and shared to you. 
XXXX : XXXX? XXXX=XXXX  Thank you, XXXX XXXX -- -- Collector info : DIVERSIFIED CONSULTNTS Last reported XX/XX/XXXX {$2200.00} Reported balance Original balance {$2200.00} You owe100 % of the original balance OVERVIEW OpenedXXXX XXXX XXXXXXXX ( 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name11 XXXX XXXX  CONTACT INFO DIVERSIFIED CONSULTNTS P O BOX  XXXX XXXX, FL XXXX USA XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Radius Global Solutions LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through.

Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: National Recoveries, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My husbands student loan is currently being serviced by National recoveries inc. we have been trying to get his student loan out of default since XX/XX/XXXX. The loan servicer said we had to make 9 consecutive payments to get him out of default. We have our payments set up for automatic withdrawal and they said they also need the loan agreement which we have signed and mailed in twice and they said they need reference we told them we do not have any reference to give them because we are already making the payments each month we don't want them bothering our friends and family. They said even if we still make the payments and send in the loan agreement with out the reference they wont take the loan out of default and still try to take my taxes each year. We are not applying for a new loan so we don't know why they need reference if we are already making payments the women told us they need the reference so in case they can't get a hold of him but every time they call he answers. Its not right that they say they wont take him out of default even though we are making automatic payments. It's like they trying to hold us hostage for our friends and families phone numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been harassed, treated with litigation & others by Midland collection, Midland Funding LLC,  Midland Credit Management. These Companies have different ( but the same ) Every year since XX/XX/XXXX. The History is as follow : XXXX by Midland Collection Agency XX/XX/XXXX XXXX by Midland Collection Agency XX/XX/XXXX XXXX by Midland Funding LLC XX/XX/XXXX XXXX by Midland Credit Management XXXX XX/XX/XXXX XXXX by Midland Funding LLC XX/XX/XXXX XXXX by Midland Credit Management XX/XX/XXXX I have been sue by these Credit Collection Companies for the since XXXX. Please I need these to stop. 
As you know in the State of Texas one can not by sue after 4 years. Every time is the same : I apologized it was someone else. Please stop Please get theses companies to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: GLA Collection Company, Inc.
State: KY
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:
GLA continues to report inaccurate medical bill information on my account. Either the co pays have been paid or they are reporting in-accurate amounts. The also report duplicates of accounts, which have incorrect data.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Terrill Outsourcing Group
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone called me and asked to speak to me. I asked who is calling and they told me XXXX XXXX debt collection. Requested my date of birth for verification, I didnt give it to her and I asked what it is regarding, the person then proceeded to call out my date of birth. I asked again, what this was about and she asked for the last four of my social. I told her I wasnt giving that to her until I know what the call is about. She proceeded to call out the last four of my social! Then rambled off what the call was for. I asked to speak to a manager or supervisor and instantly regretted it. The man, XXXX is his name, that I spoke to was so rude to me. He tried to tell me that I agreed to the information for verification purposes. I kept telling him that at no point did I share that information but that his employee gave it to me. I told him that I was upset because it could have been someone else on the line. I asked the name of his company again and he continued to be extremely rude and started mocking me. I hung up and called back. In the middle of explaining the situation, I was put in hold and he was put back on the phone. I asked to speak to anyone but him and he told me that he owns that company and its private. They call me multiple times a day and on top of everything, I do not even owe them money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
last year around XX/XX/2018-XX/XX/2018 an account with capital one quicksilver account was shown to be delinquent/ charge off on credit card which was incorrect. the information that i receive in an billing statement showed where the payment was suppose to be mailed to ; which i followed then all of a sudden the account never was updated as being on-time, i spoke with the region supervisor about finding out if someone was fraudulent about updating my account. no, response occur over the duration because i had to contact the post office to see where the mail was delivered on time, and contact XXXX XXXX  to put a trace on the money orders which took 3months to complete!! 
capital one was hesitant instead and wanted myself too pay off account which was due {$300.00}. i said i would like to know where did my payments go and why did they not inform myself after the 1st payment was missed? they did not elaborate any more about my account and closed it without my consent or nothing. it was shown being charged off, then paid off 3months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: DISCOVER BANK
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:
I filed two FTC reports, the report numbers are XXXX on XX/XX/2021 and XXXX on XX/XX/2021, stating my card was stolen and the charges were fraud. Discover added remarks on my credit report stating the debt was " Charged off as bad debt - Dispute resolved ; reported by grantor. '' I have done another FTC report the report number is XXXX and it is attached.

Company response to consumer: Closed with explanation