BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, I have doubts about their accuracy and the reported payment history on accounts are mystery to me. 
XXXX & XXXX  XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ... XXXX XXXX XXXX {$0.00} ; XXXX XXXX .... Balance : {$1800.00} XXXX U.S. DEPARTMENT OF EDUCATION XXXX .... Balance XXXX {$45000.00} XXXX XXXX DEPARTMENT OF EDUCATION XXXX .... Balance XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00}

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 2020-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
wrote a letter, explained the Chapter XXXX discharge, they never stopped calling

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: TekCollect Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Tek-Collect Incorporated is holding a collection account in my name. I am unable to verify the debt as they show that their license are suspended in the state of NC with a Notification of Revenue Suspension dated XX/XX/2017. 

This is causing a very negative impact on my credit report as it shows an amount of {$1100.00} with an original amount of {$1100.00}. I would like to have those removed since this company should not even be collecting or can not validate any of my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: MD
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage bought my VA mortgage from XXXX XXXX. Ive owned the home for 16 years. In XX/XX/2021, my electronic payment from my bank did not go through. I had no idea. Later, I received a late payment notice via mail. I just assumed that it was in error ( with XXXX, I didn't always pay on the first of the month, and had 10 days before it was late... .Never had a late payment with XXXX XXXX XXXX to my recollection ). I just assumed the payment went through after Carrington sent the notice. Then in XXXX, I paid. Received a late notice. XXXX and XXXX, same thing. Because this had already happened for 3 months, in XXXX, XXXX, I actually paid attention to the date I paid the mortgage. I took the initiative to try and figure out what was going on and to my surprise, the XXXX XXXX payment was never charged to my bank account. Carrington was reatroactively applying monthly payments and charging me late fees. They never informed me that a payment was missing. They assert that they called my primary telephone number. That number was a landline number in XXXX XXXX 's database, that was discontinued more than 10 years ago. They never called me on my cell. As a result, I can't move at the end of the Summer as I had planned since XXXX XXXX requires 12 months of no late payments. This is really a problem for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: HI
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:
I sent a letter to remove these personal information and inquiries that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information and inquiries not later than 4 business days. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX EMP Date Updated : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I receive a notification that I would be charged an annual fee on my next billing statement. I called to have the fee waived or cancel the card. The rep explained BofA 's stance and that they will not waive the fee., I asked to cancel the card and the rep explained that I would still be charged the fee because I have an open balance. I don't understand how that is fair, if I am not taking advantage of any of the cards specials.

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 2022-06-09
Company: Law Office of Michael J. Scott, PC
State: PA
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:
XX/XX/XXXX - {$500.00} ( portion of COVID-19 Fed. Govt. relief package ) was sent to XXXX XXXX XXXX ( a collection agency for XXXX ) advising that no additional funds were available. 

XX/XX/XXXX - Received collection letter from collection agency, XXXX XXXX XXXX, that I am on Social Security XXXX, and I am " judgement proof '' and no sources of government assistance ( which is my only income ) can be garnished. Advise XXXX & XXXX that I do not want to be contacted in the future using any communication whatsoever and that further contact would be considered harassment in violation of the Federal Fair Debt Collection Practices Act 15 USCA Sec. 1692c. 

XX/XX/XXXX - a new collection agency, XXXX XXXX, acting to collect this same original XXXX debt, sent another collection letter to which I responded with almost an identical text as the XX/XX/XXXX letter. 

XX/XX/XXXX another collection agency, Scott and Associates, PC, has attempted to collect this same, outstanding debt. 

I can only assume that XXXX ( account ending in XXXX ) is attempting to use various collection agencies to disguise harassment attempts over time. 

I am, therefore, reporting this latest harassment attempt to you, the Consumer Financial Protection Bureau. 

I have included copies of the relevant correspondence as attachments. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Alpha Recovery Corp
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have an outstanding balance of approximately {$1000.00} XXXX. I committed to pay for it. I am currently jobless and it's hard to pay the smallest amount. I call this company to let them know and they are bashing my process. They tell me getting a debt consolidation is a bad idea. They also say I have funds that I'm not releasing. They said I didn't intent on paying the account off. They also involved my wife saying her being in the military in debt is a bad look. There's much more. The line was recorded on both ends. I felt very harrassed and so did my wife as she was there listening with me. I have never been been this disrespected by a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : 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 explanation
Consumer complaint received 2017-06-19
Company: American Finance LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a  XXXX   XXXX  and the loan company is American Finance LLC. I never received court papers to appear to court, nor have I never seen a bill of sales of the  XXXX  after they repossessed it and sold it.  XXXX   XXXX ,  XXXX  was the first check the garnishment started. On the  XXXX   XXXX ,  XXXX  check the last {$43.00} on the total due on the judgemen t ( {$6700.00} ) according to the court papers my employer gave me when they started the garnishment. Three checks later the garnishment started up again. I called American Finance LLC and the account manager told me I owed {$3000.00} for the post interest. On the court papers it included the post interest of {$940.00}. I had her send me my account ledger and on it my paid interest is {$6800.00}. Two months shy of 2 y ears that I have been paying on this garnishment they keep every cent on interest. The pre and post interest on the court papers add up to {$2000.00} which was add to the {$6700.00} on the total due on judgment stated in the court papers. They continue to garnish my checks so the amount keeps climbing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2018 I sent money to my friend in New York by XXXX. 
Unfortunately the money I sent was exceeded New York State limit, therefore my friend could not pick up money I sent.XX/XX/XXXX& XXXX I called XXXX for refund, but they kept saying money is available for pick up, and my friend visited several times XXXX store to collect it, but he could not because exceeded State limit. Finally XX/XX/XXXX XXXX Customer Service told me my money will be refunded, then I went XX/XX/XXXX store where I originally sent money to friend and asked refund then XXXX  Customer Service tried to refund my money for two hours but XXXX system did not allow to refund by XXXX, finally XXXX told XXXX Customer service 36 hours cooling period for refund. 
Therefore today, XX/XX/XXXX I visited Walmart store for refund, so Walmart XXXX XXXX negotiated with XXXX, but I spent one hour same excuse another 36 hours, so come back Monday, XX/XX/XXXX. 
This is XXXX 's systematic extortion of general public. Clearly this XXXX business XXXX is conducting. This is why I filed complain to get help from CFPB in order to deal with Minnesota XXXX. 
Note : XXXX XXXX reference # XXXX, Refund reference # XXXX gave to XXXX  XXXX, this # is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: GU
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:
Following unknown hard inquiries found : Inquiry : XXXX Date of Inquiry : XXXX Inquiry XXXX XXXX Date of Inquiry :XX/XX/XXXXInquiry : XXXX Date of Inquiry :XX/XX/XXXXInquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX Inquiry : XXXX XXXX Date of Inquiry :XX/XX/XXXX Inquiry : XXXX  Date of Inquiry : XXXX Inquiry : XXXX Date of Inquiry : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: P.S.C., Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I  realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I called TRANSUNION XX/XX/XXXX and multiple times after requesting that I did not want to use the online services because there would be a error message every time that I tried to request my credit report and the representative asked why I wanted to cancel my online account I explained over and over again but still no consumer report was produced I would then ask for a manager and they stated that I could expect my consumer report in the mail within XXXX or so business days. TRANSUNION has yet to furnish my consumer 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 2019-06-10
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:
On XX/XX/2019 I filed dispute with Equifax that 5 of my accounts were listed wrong on my credit report and on XX/XX/2019 I get and alert that my Equifax score dropped 20 points. The only thing listed under changes were the disputes that I filed. I use XXXX XXXX and when I called Equifax customer service they said it was because XXXX XXXX runs 30 to 45 days behind on their information but they had my complaints that I filed from just three days earlier and no other changes are noted. My complaint is why does my credit score drop for just trying to correct bad information and only drop with Equifax.

Company response to consumer: Closed with explanation