BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-07
Company: Atlas Credit Company, 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:
I had an installment loan with Atlas Credit Company , Inc that was opened on XX/XX/XXXX for {$550.00} with monthly payments of {$64.00}. This account was settled and paid as agreed in XX/XX/XXXX. On XX/XX/XXXX Atlas Credit Company falsely reported an account with their remarks " included in bankruptcy- acct closed due to refinance '' remarks that account is included in bankruptcy is inaccurate because I have never filed bankruptcy as it clearly will show in my credit file. The account that I had with Atlas Credit Co. was paid in full as of XX/XX/XXXX and has a XXXX balance. I contacted Atlas Credit on XX/XX/XXXX XXXX XXXX and spoke with XXXX XXXX, CFO for company about this and he disclosed to me there was an error with their reporting system and the company was currently working on getting it corrected. I filed a dispute XXXX XXXX and XX/XX/XXXX and the investigation results are the account was verified as accurate by Atlas Credit and remains in credit file. On XX/XX/XXXX I emailed XXXX XXXX regarding dispute investigation results. He sent me an email with the attached PDF for the Correction Form that was submitted to XXXX & XXXX on XX/XX/XXXX after the issue was resolved with the reporting company and he said Once this form is submitted to the bureaus, it is then on the bureaus to properly update their records to match our correction form. The account is showing that I have filed bankruptcy and is showing an adverse delinquent account. I have given both XXXX and XXXX XXXX more then enough time to get this corrected and it has yet been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THE HARD INQUIRYS ARE NOT MINE ACCOUNTS THAT WAS IDE FRAUD I WANT THEM REMOVE FROM MY CREDIT REPORT ALSO THE XXXX XXXX XXXX REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: MD
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:
I disputed an error to Experian Credit Bureau regarding the amount owed on one of my accounts ( XXXX XXXX XXXX XXXX  ) which is reporting inaccurate information on amounts owed. They reported {$9900.00} However the amount should be much less. I have being paying on this account for the last XXXX years since XXXX of {$190.00} per month. The original amount was {$10000.00} at around 15 % interest and very little has been reduced. There is also the issue surrounding not being able to use the timeshare during the pandemic and that this account should not be reporting late payments based on my complaint about not being able to use the facility during the pandemic months and during which should be wiped out. I notified the creditor XXXX XXXX that this is possibly a violation against me as a consumer rights to not be able to use the facility but they still charge me and refuse to credit me since I wasn't able to use it during the pandemic months but instead they reported me late on payment. 

Based on these facts, I submitted a dispute on XX/XX/XXXX regarding XXXX XXXX 's inaccurate reporting. Experian took past 30 days to investigate and respond.to my complaint. When I notified Experian they should delete the account belonging to XXXX XXXX for investigating the dispute past 30 days they did not adhere. I am attaching evidence showing the time I opened the dispute and the time the got me the results. This should be removed from my credit according to FCRA rules consumer reporting act.

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 2019-11-17
Company: Phoenix Financial Services LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call a few months ago, about a bill in the amount of {$1300.00} from service dating back to XX/XX/XXXX and i had no notice before this call about this bill, no calls and no bills. If i have no notice about a bill from 5 years ago how can can they do this to me now? 
I am also pretty sure when i got the call they said the date of service was from XX/XX/XXXX which would make it XXXX years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I Sent 4 requests for a signed copy of contract along with a request for accounting based on XXXX XXXX accounting practices. 
I have received neither. There is no debt and XXXX XXXX failed to prove a debt exists. I have an unrebutted affidavit of XXXX balance. 
My credit has been affected and they keep ignoring me and have filed a lawsuit. I ask for XXXX XXXX to comply with the Law and take this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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:
XXXX  is not reporting accurate information on there site I have made contact by mail and the phone I was told multiple times they will fix the problem and never did since last year they are reporting that I only have one credit card on file open but there is more than one for some reason on there site fifth third bank is nor showing but they have a fraudulent account open on my report despite the fact I have disputed the fraud account name XXXX XXXX XXXX multiple times with no finding fact the account belongs to me I have provided information stating the account is fraudulent and do not belong to me experian refused to do a correct investigation multiple calls and letter was sent and received by XXXX  but account XXXX XXXX was not removed off my report and fifth third bank still shows as closed XXXX XXXX XXXX was disputed on grounds with wrong name and amount also address not my information incorrect info XXXX  refused to remove account but a open account with fifth third with is open and is getting reported on XXXX  and XXXX  report false information is getting reported with XXXX  and is abuse of my name and personal credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was served through the City Court notice that Lowes was trying to collect a debt through law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I corresponded with one of the lawyers, XXXX XXXX, about my debt via email. He decided the pay off would be {$500.00} dollars by XX/XX/2017. I paid the amount and I have proof it was cashed. I have contacted the firm, and put in a complaint. They have not responded.

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 2018-07-07
Company: ID Analytics, Inc.
State: AZ
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: Other problem getting your report or credit score

Complaint:
The issue is with a company called XXXX XXXX XXXX. This seems to be a new credit reporting agency. This company have incorrectly reported my credit score. I was in able to get a new Car Loan because of XXXX XXXX. 
I have read the reviews about the company and it seems every consumer has the same complaints. 
-credit score 200 points lower than the major agencies.

-no one is ever in the office -getting the actual report from XXXX is impossible.

I want to know WHY these people are even involved in my credit report.

The website says they are an XXXX Company. So then XXXX needs to be the only company reporting my credit history. I want XXXX XXXX to STOP reporting my credit and score 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 explanation
Consumer complaint received 2019-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account with Bank of America that had a promotional bonus of {$100.00} to be paid to me for opening the account. I met the requirements. I was not paid. I went into the branch, and the banker called customer service. The person on the phone told the banker that I already opened an account last year and was paid a bonus for that therefore I am not eligible for this {$100.00}. 

The bank is Bank of America. 

I looked at the language of the contract, and there is nothing about being ineligible to receive the bonus due to previously receiving a bonus. At best there is a line about not having a previous account in the preceding six months. Again, I met all the requirements for the {$100.00} bonus ; there was nothing in the contract about previously receiving a bonus that disqualifies me.

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 2018-07-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available This credit reporting company has intentionally voilated this rule and this is causing errors to be reflected on my credit report dealing with a bankruptcy -- Becasue of the error -- The bankruptcy should be removed from my report immediatley. i have been trying to work with them over a year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company, Harris and Harris says that they're a law firm, calling in an attempt to collect a debt. They have repeatedly called my place of employment. I have stated to them that this debt is not mine, and if they believe it is, please send the original debt information to my home address that they should have on file. 

This has now become harassments at my place of employment, which I think they're trying to extort money from me on a debt that is not legally mine. 

I believe these people to be, or in the practice of committing fraud. 

There telephone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The original creditor, XXXX XXXX, charged off a false amount of debt in the amount of {$8900.00}, then sent a file over to Fair Collections and Outsourcing, who attempted to collect {$8900.00} as well. 

Once I found out, I contacted XXXX XXXX, proving to them that their {$8900.00} was completely inaccurate, and that they kept my security deposit. Instead of resolving this issue fully and recalling the debt from the collector, Invitation sent Fair Collections and Outsourcing a new amount of {$3600.00}, which is still inaccurate. 

Fair Credit and Outsourcing refuses to verify the debt they claim I owe, and will not delete their collection from my credit file. This is unfair, as I do not owe either company {$3600.00} or any other debt.

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 2020-05-12
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to contact HESAA regarding my student loans for the past three weeks-their phone lines are down and no one has replied to my emails sent to their Client Services email address. I emailed them three times, as well have been receiving assistance from the New Jersey Department of Banking and Insurance, who also has been calling and emailing them and not getting a response. 

My account currently states that HESAA has not received my last scheduled payment and my account is delinquent. My last payment due date was XX/XX/2020, and I made a payment on XX/XX/2020 of the full amount. The payment history is reflected on the HESSA website, and I have the confirmation and credit card statements with the payments as well. 
I was hoping to get clarification about the delinquency of my account. 

As I have not received a response from HESAA since I began contacting them mid-XXXX, the payment I made for the month of XXXX was my normal payment, not the double amount which my account currently states I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a debt with CB1 Collections Agency. I called and spoke with a representative on XX/XX/XXXX at XXXX XXXX trying to resolve the issue and pay the debt in full. She said she was unable to work with me and that she could not accept payment as they already filed in court. And that I would be served. As of XX/XX/XXXX, I have received no papers and they have continued to not allow me to pay the debt. They would like me to pay the fees for filing in court for a process server although I have never been served. This has now extended for two months and negatively affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This is about the Consumer Credit Transaction with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of the sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party. 15 USC ( B ) 1c " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you removed the below-mentioned information from my Consumer Report ( Account # XXXX ) within 5 business days. If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Credit Systems International, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Systems Intl In, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Do you have a contract proving that these accounts held me contractually liable to pay to your company? Please provide any contract that you have. This is in violation of my consumer rights and the FDCPA/Federal Rules of Civil Procedures. This is also in violation of HIPAA law to report. Please consider this final notice and remove any entries on my credit. I have no knowledge of have any contractual obligations to you or your company.

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 2021-06-28
Company: Source Receivables Management LLC
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company has called 14 times in 3 weeks. 

Everytime they call, they do NOT identify themselves as a debt collection company and only ask for random names. The names change every time. 

I have asked to be removed from their call list as they are calling a BUSINESS line that hs been mine for 7 years - they refuse. I spoke to a rude man named " XXXX '' and then " XXXX '' and " XXXX '' all who are incredibly unhelpful. They also use tactics that do not disclose they are a debt collector - they say they are a resources and receivable company. 

I explained that I am filing an CFPB complaint and they told me " Try me ''. 

So here I am!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Navient Solutions, LLC.
State: HI
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:
XXXX I took a loan for XX/XX/XXXX for school withXX/XX/XXXX and ended up with navient ..I took out a high loan and paid it off just to start having credit im cure toy paying this loan off to my banks please help. I completed the task but it was my own hard work that got me where I was I gave up being a XXXX  no longer in the profession please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEM WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEM PURSUANT SECTION 609 OF THE FAIR CREDIT REPORTING ACT

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