BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
Company: Heritage Financial Group, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried to resolve my issues with Heritage Acceptance Corporation # XXXX concerning my non public personal information being reported to consumer reporting agencies. I am not liable for this debt. They have violated my federally protected consumer rights 15 USC 6802 ( b ). They did not allow me the option to opt out from reporting transactions and experiences. The only resolution is to delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates LLC has called me several times daily though out the years!!! I have asked them to stop on several occasions and they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello Santander, I opened my checking account at XXXX XXXX XXXX XXXX branch in XXXXXXXX XXXX 
With the banker XXXX XXXX, at the moment of the account oppening I gave all my personal details, address, phone number, email, and other information. 
Since then my phone was erased or never was assigned to my profile so I cant receive OTP codes, and also doesnt allow me to add the phone number written in the account oppening documents and signed by me. 
I called the branch and requested to speak with the banker, but they told me that XXXX dont work anymore at Santander , and at the branch cant help me doing " maitenance '' to the account, I told him that is not maitenance is just add my phone numebr the same taht was given at the moment of account oppening, so I was requested to go to the branch. 
Im not US citizens, I dont live in the US , I just travel very often there and next travel is going to be next wear to California ( there are no branches there ) This is a fault of the banker, so please check the opening documents and add the phone number written on the paper and signed by me. 
Thanks

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 2019-08-20
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
New CFPB compliant against Collection Consultants of CA in response to previous CFPB compliant #XXXX.My right to dispute a debt that is not mines is being impeded by there stall tactics. Collection Consultants of CA responded on XX/XX/19 that they don't have an account in there records with the account number XXXX. In this case you are committing fraud and defaming my character by placing incorrect information onto both my XXXX and XXXX Credit Reports please review my Attachments . As a debt collector or third party vendor I don't owe you any money because I never established a contract with you. Also please note that Bill statements or receipts are not documents of debt validation.  All the information I provide in this compliant is all the verification you need lets stop playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX XXXX in a debt validation program {$450.00} from XXXX to XXXX to get rid of XXXX XXXX  XXXX XXXX of a they were in communication with me for XXXX  years I never heard anything from any creditors until now i received acollection letter from Midland credit management from XXXX XXXX  that i owe {$1600.00} from XXXX and i can not locate XXXX XXXX they have gone out of business I paid over XXXX for there service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-10-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
ACCOUNT IN ERROR. 

XXXX Account # XXXX EXPERIAN and XXXX  have falsely claimed Missed payments that are severely damaging my credit score and reputation! 

This account has been closed since XXXX. 

Since there is no pay date or pay by due date for this account, how can the payment history show as being late or past due? How can I miss a payment date when there is none? 

Secondly, due to refusal to remove the account, I have since received a letter from XXXX stating the account is in good standing and is Paid In Full! 

I have attached a letter from the Credit Grantor XXXX XXXX as proof of the above mentioned statements. 

To this day, XX/XX/XXXX, EXPERIAN still has a balance showing and is still reporting Negative! 

I have also attached screenshots from my latest updated EXPERIAN account from XXXX showing how EXPERIAN is still continuing in fraudulent activity by falsely claiming a balance on this account as well as false Negative payment history claims! 

This fraud is severely hurting my mental and financial well being, especially during this pandemic! 

I NEED this account COMPLETELY removed from both EXPERIAN and XXXX  expeditiously! 

Thank you for your compliance in regards to this request of dispute of any and all account errors!

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 2020-10-29
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
We had an old XXXX account held at Benefit Wallet ( Bank of New York Mellon is the " custodian '' ). The balance was {$.00} and there were no fees owed on the account. I called to have the account closed because we no longer use it. They told me that the balance would be " XXXX out '' after closing the account. I asked if that meant they would electronically transfer the remaining balance to our personal bank and they said " no, it just gets XXXX out ''. Meaning they just keep it! Now while I don't care about my XXXX cents, it does seem wrong that a bank ( who serves thousands of people ) can just keep the remaining balances when a customer chooses to close an account that is in good standing with no fees owed! 

I asked what would happen if I just let the account sit there with the XXXX cents in it. They said that it would start incurring fees once we are no longer associated with the employer! So they really leave people with no choice! Again, XXXX cents is not worth fighting over. Neither would it be if it was XXXX cents. But in either case, most people would probably do what I did and just say it's not worth fighting over. Now multiply XXXX cents by a XXXX or more and suddenly there is a whole pot of money somewhere in that bank that doesn't really belong to them! How can they do that? 

I've worked at a bank and never would we be allowed to keep even a XXXX of someone's money when they close an account ( unless there were fees owed on the account ). Every cent needed to be accounted for. So how does this bank account for the money that they 'XXXX ''?????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a checking account with Fifth Third Bank during XX/XX/XXXX. After meeting certain requirements, they issued me a {$250.00} account opening bonus. 

On XX/XX/XXXX, I went into the branch to inquire whether or not the bonus is considered interest. I had not received a XXXX form from Fifth Third Bank at that time. After checking the bank 's systems online, the branch officer indicated that there would be no XXXX issued to me for this bonus. Relying on that information, I e-filed my state and federal income tax returns for XX/XX/XXXX. 

On XX/XX/XXXX, I received an e-mail from Fifth Third Bank that a new tax document was available for my checking account online. I went online and discovered that they issued me a XXXX for the bonus amount on XX/XX/XXXX. I still have not received the form in the mail. My understanding of the tax regulations is that the bank was required to mail me a XXXX form by XX/XX/XXXX for calendar year XX/XX/XXXX. Fifth Third Bank did not comply with the tax regulations in this regard. 

Because Fifth Third Bank did not follow the tax regulations by issuing me a XXXX form in a timely manner, I will now be required to file amended tax returns at both the state and federal levels. This will result in added time and expense on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: IL
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:
Equifax; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX/XXXX – partial account number XXXX.  (Please see page 15 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  on my credit report was not mine it was determined by the police that this credit card was used to pay a cable bill at an address I never lived at

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 2018-03-01
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All I know is that this account is showing up on my credit report and I have no knowledge of account or any business dealings with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: COMMERCIAL SERVICES GROUP, INC.
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am showing on my credit report that this company is reporting an incorrect debt on my report. I am showing on my credit report that debt collections company " commercial services group '' is reporting a debt in the amount of {$580.00} for XXXX XXXX in which is a telecommunications company in the state of XXXX in which I do not live. I have disputed this several times and I have sent over valid photo ID showing that I have lived in XXXX  since XXXX and since have moved to the state of Virginia. I did not live at the address that they are stating that this service was established at. I have sent over supporting documentation and I am demanding to have this inaccurate debt removed from 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 explanation
Consumer complaint received 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt or credit management
Sub-product: Student loan debt relief
Issue: Charged upfront or unexpected fees

Complaint:
The only problem is we did not make payment on time, only a few days late, the statement shows that a junk fee and late fee were charges to my, checking and Crdit card accounts.

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 monetary relief
Consumer complaint received 2018-09-09
Company: Sterling Infosystems Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a background check from XXXX XXXX XXXX that has false information on it. It states that i am a XXXX XXXX and that i have a federal criminal record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am reaching out to request the deletion and removal of the accounts and associated information from my consumer report. I insist that the mentioned accounts and information should not be included in my consumer report, as it constitutes a clear violation of both the FDCPA and FCRA regulations. It is imperative that these accounts and information are promptly eliminated from my consumer report, as their presence violates multiple laws. I urge you to take immediate action to remove these accounts and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Aargon Agency, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2019-08-20
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never heard from this company about the alleged said debt they placed on my credit. Once I contacted them- they added two more accounts to my credit. I was in the middle of financing when the company USCB America placed an account on my credit in the amount of $XXXX XXXXI wrote them a dispute letter immediately by way of certified mail and included a copy of my police report. I have been a victim of fraud. I knew it was not my debt.... according to my credit it says the bill came from Kaiser. I do not have XXXX for health insurance. I have XXXX XXXX and my wife has XXXX XXXX so I am double covered so to speak. Anyway, I have not heard back from USCB America in regards to the alleged debt and its been over 60 days.... now they have added 2 more accounts to my credit. They have my contact information because I disputed the first collection account, now they have added 2 more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
The lender is charging me a above there listed interest rate have already filed on complaint and there response is so sorry to bad, I have tried calling to speak with a supervisor and get hung up on I have requested arbitration and they have said its to late but I have already filed for arbitration on my own. California laws strictly limit lenders for tilte loans between the amount loaned $ XXXX {$10000.00} to charge only 3 % monthly interest and capped at 36 % annually. Loan company says that is not true and dont know were I get my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XX/XX/XXXX a credit card was opened in my name without my knowledge or consent. I got an alert from a credit bureau. I contacted Bank Of America and notified them of this and they still mailed out the card to the identity thief and the card was used several times. Continued to get alerts and updates from a credit reporting agency ( experian ) that purchases were continuously being made in my name with this Bank of America issued credit card. I then had to call back to Bank Of America to notify them of this and ask them to shut the card down. After that there were several successful attempts by the perpetrator 's to open credit lines and checking accounts in my name after me notifying Bank Of America by phone several times from XX/XX/XXXX to XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: MS
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 am writing this due to non-compliance with the (XXXX, Experian ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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 non-monetary relief
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2022-06-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I HAVE BEEN CONTACTING EOS FOR YEARS TRYING TO HAVE THEM MAIL ME DEBT VALIDATION. THEY CONTINUE TO MAIL ME A BILL. ANYONE CAN GET A BILL IN SOMEONE ELSE 'S NAME. I NEED THEM TO SEND ME THE ACTUAL CONTRACT THAT HAS MY HANDWRITTEN SIGNATURE ON IT. EOS/CCA REFUSES TO DO THIS.

Company response to consumer: Closed with explanation