BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Ameritech Financial
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AmeriTech Financial charged me money and said that they were helping pay off my student Loans through XXXX, but none of the money actually went to my loans. AmeriTech Financial was keeping the money for themselves, and I can not afford that. 

" Last year, the Federal Trade Commission ( FTC ) sued Ameritech Financial, a company that promised to help customers save money on their student loan payments. The FTC claimed that Ameritech made false promises that people could permanently reduce their monthly payments charged illegal upfront fees told people their fees would go toward their student loan balances, which wasnt true The court appointed a receiver to manage Ameritechs affairs. The receiver concluded that Ameritech couldnt operate legally and closed the company for good. '' ( email sent to me by Federal Trade Commission )

Company response to consumer: Untimely response
Consumer complaint received 2021-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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 am submitting this complaint because I am being extremely affected by PORTFOLIO RECOVERY ASSOCIATES, LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

First of all, this account that was originally from XXXX XXXX had already been fixed. I have a copy of the settlement agreement in which they agreed to remove the two accounts that they were reporting. 

I am requesting just what is fair. I want you to remove this account from all credit reports. 

Account information : PORTFOLIO RECOVERY ASSOCIATES, LLC. 
Account Number : XXXX. 
Balance {$2600.00}. 
Status : Collection account. 
Original Creditor : XXXX XXXX XXXX  XXXX XXXX. 

The reporting of this account is illegal, since I already signed a legal settlement with the original creditor for the deletion of the item from all credit bureaus. Please remove the account as soon as possible as I am in the middle of a home loan and this item is stopping me from accomplishing this goal. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
FORD MOTOR CREDIT ACCOUNT NUMBER XXXX ; I co-signed for a 60 month auto loan that opened in XX/XX/XXXX. Ford Motor Credit is reporting the Date of First Delinquency as XX/XX/XXXX with a Paid Charge Off Date in XX/XX/XXXX. When asked how they can report a DOfD 9 years after opening and 5 years after maturity I was told that the loan had been extended 7 times and subsequently modified. I did not consent to extending the term of the contract or a modification of the original term and I was told by XXXX XXXX that I had signed and or initialed the extentions and or modifications. I insisted I had not and requested copies of the documents which arrived in the mail and were not signed or initialed by me. Now FMC will not take or return my calls. 
I never agreed to any changes to the original term of the contract. This inaccurate reporting is impacting my credit in spite of my repeated requests to update and delete their inaccurate reporting. They are violating the FCRA by arbitrarily reaging the account and leaving a 13 year old debt on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX is reporting a loan that I paid off as being delinquent. I paid the loan off in full in 2016. It is still reporting negatively on my credit. I called XXXX XXXX and confirmed that I did not have any outstanding loan balances with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX have sent a ftc report to each bureau. Along with various letters asking for validation of debt by providing the original contract with my wet signature. Nothing have been provided or removed.I demand that each account listed is removed. The only one that can validate any debt is the consumer ( I am the true original creditor ). I do not validate any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted today and the person on the other end of the phone I think His name was XXXX. Told me I was about to be served and I had an hour to pay this debt to stop it. That they were filing fraud charges and one other I cant quite remember. I hung up because thought I was a scam. Then my husband called and he had been called for the same reason. They had given him all my personal information. They have no idea if we are even married or together. They read him my full social security number. So I called the number back that they gave him where I was again threatened, with lawsuits and different charges. 
I hung up because they were being rude on the phone again. I was then called again by XXXX XXXX at XXXX on XX/XX/2019 telling me they needed to know where I was to serve me papers. All of these numbers were out of state and this is very suspicious. I was called 4 times in a matter of 2 hours. And they contacted and outside party to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX improperly and fraudulently accessed my credit report during discussions of purchasing a vehicle. I did not authorize a hard pull from their dealership or finance department. I stressed repeatedly that the only financial institution was authorized to pull my credit report was XXXX XXXX XXXX XXXX. XXXX XXXX disregarded my wishes and refuses to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Would like my fraud alerts 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 non-monetary relief
Consumer complaint received 2019-03-20
Company: Resurgent Capital Services L.P.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX  XXXX XXXX Val {$620.00} LVNV FUNDING - XXXX XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX XXXX XXXX - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX AND TXXXX {$0.00} BALANCE XXXX  IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX BANK - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. 
I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/XXXX, XX/XX/XXXX, Equifax and has publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties in which are damaging my reputation and credit worthiness. 



XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXEquifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$13000.00} {$13000.00} {$13000.00} No. of Months ( terms ) : 72 72 72 High Credit : {$17000.00} {$17000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$13000.00} {$13000.00} {$13000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Professional Placement Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was XXXX in XXXX of 2018. The hospital ( admittedly XXXX incorrectly filed the claim. I've contacted the insurance company who has provided me proof in a " Statement of Benefits '' that I do not owe {$37000.00}. The hospital has confirmed that this debt is not valid and that they made an accounting error. This is STILL reflecting on my credit report and the collection agency refuses to acknowledge or communicate with the hospital to remove this from my credit report. The hospital just has to correctly send the bill to the insurance company. I'm attaching the statement of benefits that my insurance company provided me proving that I only was obligated to pay {$250.00}. XXXX sent another collection to XXXX XXXX and XXXX in the amount of {$1500.00}. I paid {$770.00} to settle this debt. I only owed the {$150.00} copay for the XXXX XXXX  visit and the {$250.00} copay for the XXXX stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Capital Accounts, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted by Capital Accounts daily since the end of XX/XX/2019 in regard to some medical debt from XXXX XXXX. They immediately asked me my intentions to correct this debt. I never received a physical account summary, so I had them email me said document. On XX/XX/XXXX and XX/XX/XXXX, they emailed me this document. I inquired in one of the daily calls, how I can pay this account online. They directed me to their website, which was on the account summary. There are 2 options ; One is an immediate one time payment option, which I told them I am not comfortable with because I want to track what I pay them for my records, but that will pull up my account correctly. The other option is a link to " other payment options '' which I input my information into and it says it can't find my account and to contact a rep via phone. I have told them multiple times I am attempting to verify my account on their online system with some type of portal login so that I can track what I pay them and have records. They say their system doesn't work that way. Every time I ask them why or tell them I need documentation of what I pay them, they abruptly bid me a good day and end the call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: NV
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:
please delete the following Incorrect Addresses: XXXXXXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX

Please delete the following Incorrect Names: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Please delete the following incorrect phone number: XXXX XXXX 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 2017-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX, XXXX XXXX XXXX XXXX XXXX ) billed a Bank of America XXXX BOA ) credit card that was closed in XXXX XXXX. The BOA credit card account was also expired in XXXX XXXX. I called BOA to discuss and they stated they have no control over it as XXXX forced the transaction to go through on the 2nd occurrence after they received a denial the first time. XXXX was billing for an advance time period where service were not yet rendered. I did receive an email notification stating that if i did not update my billing information, my account will be downgraded. Thus the credit card on file will not be charged.

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 2017-09-18
Company: Integrated Mediation Solutions LLC
State: AL
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:
I was contacted at work and my cell phone by XXXX XXXX XXXX about a debt I supposedly owed. After contacting them back, I proceeded to try to figure out what company they were representing. I did not receive anything in the mail or in writing 5 days before contact explaining the validity of the debt. According to the fair debt act, the collector is suppose to sent a letter in the mail so I can research and respond to make sure the debt is valid. I requested a letter be mailed to me and the person stated that they could not do that. That is in violation of my rights. They continued to harass me and threatened to sue me. Even though they are not following proper protocol.

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 2018-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I looked at my credit report I seen inquiries XXXX inquiries which are XXXX. XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXXe XX/XX/XXXX and XXXX XX/XX/XXXX. I had spoken to all parties and was referred to talk to Transunion about the matter. When I spoke to Transunion XXXX was told to write an FTC report and CFPB report and once they get it, they will remove these inquiries from my credit report. I hope you could resolve this matter with Transunion and appreciate anything that can be done. 

Thank you for your time.

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 2023-02-09
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: Their investigation did not fix an error on your report

Complaint:
there are two accounts listed on my credit report that DO NOT BELONG TO ME. I was a victim of identity theft during this time frame. I have filed a police report previously and filed a dispute with TransUnion Credit Monitoring Services regarding this matter. The accounts are under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under same account name. I investigated further and I need this debt removed from my credit report. Also XXXX XXXX XXXX is reporting ( 2 ) accounts under CLOSED in my 3 credit reports. Claiming two seperate accounts one in the amount of {$1100.00} owed and the other with {$710.00} owed. Both of these accounts were opened online when someone stold my wallet and stold my identity. Te had access to my ID my social security card and my mailing address informtion. All 4 of these acconts are being reported fradulently on TRANSUNION XXXX AND XXXX. Please remove credit debt from my 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 2019-02-27
Company: EQUIFAX, INC.
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 is missing that should be on the report

Complaint:
I recently realized that Equifax had not been up-to-date on reporting accurate information across other third-party monitoring agencies. Such as, XXXX XXXX, XXXX, credit check total, as well as their own website ; Equifax.com. I called Equifax on XX/XX/2019 and spoke with four different representatives for over an hour about missing data from my Equifax Credit Report, as well as the other two credit bureaus not being updated on the Equifax website. The four representatives that I spoke with lied and said that it had been added and they can see the XXXX XXXX account ending in XXXX. I informed them that my XXXX XXXX account had not been entered on the Equifax credit report. I let the representative know that I spoke with XXXX XXXX and they let me know that they sent an update to Equifax on XX/XX/2019. The representative made different excuses as to why It wasnt showing on the Equifax website. After speaking with all representatives, no one was able to help me and my Equifax account ia still showing inaccuracies and not reporting Updated information. I have attached documentation that corroborates my story. This seems to be an ongoing issue with the bureau Equifax. There are Thousands of people complaining online about how Equifax has failed to update their credit report in months. They are charging people for monthly credit score services with misinformation on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
below companies accepted inquiries even my address was worng. 
Unrecognized credit inquires/ possible identity thief 1. XXXX XXXX XXXX a. Inquired onXXXX b. On record untilXXXX XXXXXXXX  2. XXXX XXXXXXXX a. Inquired onXXXX b. On record untilXXXX XXXX 3. COMENITYCAPITAL/OVRSTK a. Inquired onXXXX b. On record untiXXXX XXXXXXXX 4. XXXX XXXX XXXX a. Inquired onXXXX b. On record untilXXXX XXXX 5. XXXX a. Inquired onXXXX b. On record untilXXXX XXXX

Company response to consumer: Closed with non-monetary relief