BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
Company: Amsher Collection Services, Inc.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notice on XX/XX/XXXX of an outstanding balance owed on behalf of XXXX XXXX. AMSHER was the collection agency notifying me. I responded within twenty days ( 3 days ) that I did not owe the amount and that I have never had an account with their client. I still maintain this belief. I received notice of a completed investigation via derogatory information sent to the three credit bureaus. I have not heard from AMSHER about the investigation. My credit score went from XXXX to XXXX due to this. I disputed the report with the three agencies and again, they conducted an investigation and said that the report was accurate. However, the three agencies removed a previous report from a collection agent of XXXX XXXX for the same amount, in XXXX of this year. I do not owe this amount or any amount to XXXX XXXX. I have never had an account with them. The derogatory information has taken my credit rating from " good '' to poor, losing some 107 points for a bill that I do not owe nor create and has caused me to be out of credit range for significant purchases that I had planned on making this summer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2020-11-03
Company: Harris & Harris, Ltd.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account forwarded to Harris and Harris Debt Collectors. I set up a payment plan of {$330.00} per month until my debt was owed. I was able to pay off my debt in full on XXXX XXXX, 2020. They took out a payment on XXXX/XXXX/2020 of {$330.00}. I called and explained the situation and they told me they would give me a call back. no call back was received. I called again. They told me they had received another debt and that payment would be applied towards that one. I did NOT give them permission to do that, because I had paid off that debt with the originating hospital. As of XX/XX/2020 at XXXX eastern, i have called them 3-4 times about this issue of getting my money back and have been told every time that a supervisor would call me back. I have not received any call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I asked to close account back in XXXX. AMEX did not. Now they charged me {$75.00} in XXXX. Please remove the charges and remove me from collections!! 
Follow up with me by letter!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Now, there is no answer with this company, violating my right, since I paid this debt... I have not had an answer for more than 45 business days, I have demanded that you correct my credit report, and delete your incorrect information

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 2023-01-24
Company: Experian Information Solutions Inc.
State: IL
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 did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Illinois XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2017-06-28
Company: Experian Information Solutions Inc.
State: CA
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 tried ordering my free annual credit report from Experian. I have been trying to obtain a copy for over 6 months and they are refusing to send me a copy. I ordered it and have not received a free copy.

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 2017-12-13
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a Good Bye Letter, dated XXXX XXXX, XXXX, from XXXX XXXX notifying me that the servicing of my home mortgage loan had been transferred to Specialized Loan Servicing, effective XXXX XXXX, XXXX. I also received a Final Escrow Review Statement from XXXX XXXX dated XXXX XXXX, XXXX. 

For the last two years my payments have been on time and my home insurance and city taxes have been paid via the escrow account. The payment became due on the first of the month and I have been paying via my XXXX XXXX online no later than the XXXX of the month. Via my online account i could view prior payments and payments made from my escrow account. 

When I logged in to my XXXX XXXX account this weekend it was not possible to pay online. When I called XXXX XXXX I was told to contact another department ( XXXX ) during business hours. On Monday morning I called and over the phone was given my new loan number with Specialized Loan Servicing and another XXXX number ( XXXX ) In the last week I was unable to contact a live human being at SLS to discuss the status of my loan and the escrow account. I have two options to make a payment Online via XXXX and XXXX XXXX with a {$9.00} fee Via an automated phone system, with a {$9.00} fee Since I have no other options Ive made the XXXX payment today, XXXX XXXX, XXXX online.

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 2023-05-30
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: IA
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 following collection account is a fraudulent account and is not my account : XXXX XXXX XXXX, {$970.00}. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and XXXX   from the above Debt Collection Company. Thiss so unwarranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: AR
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:
Despite of my many written requests, the unverified accounts listed below continue to report on my credit file, I am still dissappointed as I found out that there are still accounts on my file that seems to be an error that needs to be corrected. Kindly investigate the following inaccurate accounts below that seems do not belongs to me. Kindly follow the law so that this matter can be resolve immediately. The following accounts below are inaccurate that are needs to be corrected : XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$210.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: DISCOVER BANK
State: FL
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:
Discover Card statement indicated due date for payment XX/XX/2022. On XX/XX/2022 I attempted to make a payment using Discover.com. Payment date of XX/XX/2022 was not an available date to make/apply the payment.The soonest available date to make/apply payment was tomorrow, XX/XX/2022 ( one day after payment due date ). I attempted to use automated phone payment system. Again, the soonest available date to make payment was XX/XX/2022. I then called customer service, an was told by the representative that payments after XXXX XXXX XXXX XXXX XXXX would be applied next day. I again used the online payment system and was forced to select XX/XX/2022 as the payment date. During payment confirmation, on XX/XX/2022 the website noted that payments made before XXXX XXXX ET would be effective same day. 

Although statement due date was communicated to be XX/XX/2022, the payment was required prior XXXX XXXX ET. This cutoff time was not indicated on the statement or on my online portal until the confirmation page. Although I was paid balance on XX/XX/2022 and selected the soonest effective date available, I am now subject to charges and fees as if payment was made after due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: DC
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 recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without y written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Bought a XXXX  XXXX XXXX from XXXX ( XXXX ) put down $ XXXX and purchased extended warranty for {$35000.00} months later I get the car appraised and the best offer Ive got so far is XXXX, canceled the extended warranty and all I got back is $ XXXX.This is all in 6 months Big rip off Mechanical issues Tires are bad

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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

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 2018-10-30
Company: Experian Information Solutions Inc.
State: AL
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:
On my credit reports with each company they show a Repo for my car with XXXX XXXX XXXX. This car is in my possession. I am trying to work on my credit but this is holding me up from jobs and everything. I need this addressed and fixed please.

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 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On my credit reports with each company they show a Repo for my car with XXXX XXXX XXXX. This car is in my possession. I am trying to work on my credit but this is holding me up from jobs and everything. I need this addressed and fixed please.

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 2023-05-25
Company: EQUIFAX, INC.
State: MI
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 contacted XXXX  and sent all documents they required to remove hard inquiries that I do not recognize and not mine. I sent an FTC report by mail I sent police report by mail I also faxed and I have sent my documents to them already and called all companies and sent proof to XXXX and neither companies neither XXXX removed inquiries that I did not authorized neither done by me. I have called them and they said they cant find mail and also they said that I have to send them letter again and always is the same when they should remove all inquiries that are not mine. Here are the inquiries not mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I need XXXX  to remove inmediatly Innacurate information all those inquiries are fraudulently put in there by XXXX and need them removed. Also please do not authorized any company neither XXXX  to place any fraud alert or freeze without my consent. Please do not place any alerts or anything without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2019-08-13
Company: EQUIFAX, INC.
State: MO
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 remove the 4 telephone numbers that's on my credit file. 

Last four the numbers to be removed. 

XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX Also please remove XXXX as my employer. All the above information is old and no longer shall be a part of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
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:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
UTILITY SELF-REPORTED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
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 result of identity theft

Complaint:
this debit of is result of identity theft thruogh XXXX XXXX. I contacted the collection agency and I told them i have letter from the XXXX i dont owe the money and to fax to them but they wont let me and they sent a letter i still i owe the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
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: Account status incorrect

Complaint:
These medical accounts should not be on my credit reports they all are under 180 Days please Remove Off My XXXX credit report due too hippa violation!!!

Company response to consumer: Closed with non-monetary relief