BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: BARCLAYS BANK DELAWARE
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:
There was an Unauthorized inquiry from Barclays Bank furnished on my consumer report back in XXXX, XXXX. I informed both the consumer credit reporting agency and Barclays about the fact that my right to privacy as a consumer was being violated and that they were both in violation of the FCRA 15 U.S.C. 1681 et seq., for unlawfully reporting inaccurate information on my TransUnion consumer report from an Inquiry dated XXXX without my authorization or a permissible purpose. Barclays has sent me 2 letters stating that the inquiry would be removed within 30 days which has not happened the first letter dating back to XX/XX/XXXX and the latest XX/XX/XXXX. At this point Transunion is also in violation for willful noncompliance, in Fact, I have submitted multiple disputes via certified mail # XXXX and Transunion has failed on multiple occasions to remove the inaccurate information therefore they are in violation of 15 U.S. Code 1681n ( a ) any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of 1. ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not mor than {$1000.00} ;

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 2021-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been violated by Bank of America/XXXX XXXX on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries 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 2018-01-09
Company: Equitable Acceptance Corp
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was under the impression that the XXXX XXXX XXXX was going to help consolidate my loans. I was n't aware that this company was going to make me stop paying my loan back. I now am suppose to pay this company {$50.00} a month. I would rather be paying my loan. I need to get out of this program. They have all my personal information and I need to make sure they do not mess with my credit or identity. Please advise me how.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Atlantic Recovery Solutions LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a phone call from Atlantic Recovery Solutions stating that they were calling to collect on a debt that is owed to XXXX XXXX. I paid this balance to XXXX XXXX XXXX in XX/XX/XXXX after they contacted me saying that they had purchased the debt from XXXX XXXX and were now owed the debt. Every month I have had random companies calling harassing me for this same debt and I want to know why XXXX XXXX has sold this debt to all of these companies. Half of the companies that have called me can not be verified and Im worried who has my info ( social security number, date of birth, etc ). I have received calls threatening a lawsuit from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and now Atlantic Recovery Solutions. Why do companies keep calling me about this debt when it has been paid? I explained to representative with Atlantic Recovery Services that the debt had been paid and he told me that I did not pay. He then proceeds to argue with me and tell me he hopes I enjoy the phone calls. No, I do not enjoy being harassed! I have the paid in full letter and bank statements that show where the money came out of my account. I will not be paying the debt again. Stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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:
I am a victim of identity theft. I have requested to the bureaus on numerous occasions to remove these items from my credit reports. I am demanding to see a signature or contract for these items. If neither can be produced then I want these fraudulent items removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: M.L. Zager P.C.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am seeing on my credit report a collection from ML Zager of the amount {$1800.00} this is a medical bill I am a victim of identity theft and I called them and told them such. 
This is a debt that resulted from someone stealing my identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Experian Information Solutions Inc.
State: MN
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:
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me, some with multiple dates of inquiries. I have had a security freeze on my credit report since XX/XX/XXXX due to identity fraud and request for anyone that pulls my credit that they should contact me. I sent certified letters on XX/XX/XXXX in regards to this issue and have not heard back from Experian and XXXX . They are all dated for the year of XX/XX/XXXX and XX/XX/XXXX. I would like for the below inquiries to be deleted. '' I have explained myself about my identity being compromised and a possible email being breached several times. I even had to call to remove addresses that I 've never lived. Please remove the below unauthorized and fraudulent inquiries or send me validation that these were authorized by me. Inquiries : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 3. XXXX XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 15. XXXX XXXX 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 2022-03-30
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested a complete accounting of my loans on XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX... XX/XX/XXXX and XX/XX/XXXX. 

To date XXXX ( now aidvantage ) has either : 1 ) never sent me any documents I requested, or 2 ) sent me inaccurate documents, which typically result in one loan instead of them all. 

Additionally, each of these calls I was provided conflicting answers as to the status and payment plan for my loan. I was told that I am either : 1 ) not on an XXXX plan, or 2 ) I'm on a XXXX plan, or 3 ) I'm on a XXXX plan but it is inactive, or 4 ) I'm on 10 years standard plan Despite over 12 hours of phone time which is documented on my end with great detail, I am still unable to obtain timely or accurate information related to my loans. Specifically, it is not clear at all to me what payment plan I am on and how the payment amount is calculated. 

I am considering a lawsuit. I am also going to file with the FTC for privacy consent violations related to automated dialing, non-consentual recording of conversations, and other privacy violations. 

I would appreciate someone at aidvantage to expedite my request for a complete and accurate accounting of my loans to be sent certified mail so we can all track when and where it goes ( they claim these have been sent but they were never received - I have not moved either ). 

I would also appreciate it aidvantage can actually tell me what plan I was on, when I was notified of the switch ( by providing the he correspondence they sent me ) and how that payment is calculated under the terms of the plan I am ( for which I am not clear... Still ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: EQUIFAX, 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:
In XXXX XXXX, I inquired to XXXX XXXX XXXX XXXX XXXX for XXXX XXXX. As a result, XXXX XXXX XXXX XXXX XXXX did a hard inquiry into my credit report and reported it to Equifax. 

This was totally unnecessary as a soft inquiry would have been sufficient to provide them the information they needed. I ultimately did not use XXXX as their prices were too high. 

I have accounts with XXXX, XXXX, XXXX XXXX, & garbage collection utility providers for my house. None of these have ever done a hard inquiry when establishing or moving to a new location. If necessary, a soft inquiry was always sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: SYNCHRONY FINANCIAL
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-11-08
Company: Prosper Marketplace, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 via certified mail with return receipt, with the following tracking number ( XXXX ), I consumer XXXX sent Prosper CEO, XXXX XXXX a CEASE AND DESIST letter, along with an Affidavit of Truth. On XX/XX/2021 it was delivered, but Prosper failed to sign the return receipt acknowledging they received the communication. In the letter, it stated to cease and desist the collection of this alleged debt as well as cease contact with 3rd parties such as the Consumer Reporting Agencies. Prosper willingly continued to contact these 3rd party Consumer Reporting Agencies. Prosper also failed to rebut the affidavit. An unrebutted affidavit stands as truth in commerce. Prosper further closed the account as a charge off, which is also a violation of the cease and desist letter that they received on XX/XX/2021.

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 2021-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft due to my information being caught in a breach. I tried to contact the credit bureaus by phone and by mail and they let me know that I had to contact my local police department to get a police report for the incident. I have since mailed this report over to the credit bureaus and am currently waiting for their response. I use my credit in conducting business many times per year and cant afford to have a negative rating due to someone else 's actions. My friend told me about this site. Please help me resolve this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: PA
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 to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be REMOVED. 

XXXX Account Number : XXXX 01 XXXX XXXX Account Number : XXXX I would also like this inaccurate information to be UPDATED TO POSITIVE : CAPITAL ONE Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My situation pertains to multiple collections being placed into my Consumer Credit Files by Phoenix Financial Services Collections, without verification/validation or requested documentation or investigation as requested. 

In some case items are removed due to failure to provide such documentation and are then reinserted in duplicate, again with no notification as required under law. In this manner Phoenix Financial has glutted my credit files, duplicated entries and driven me to desperation. They have yet to comply with any request at validation under FDCPA or even FCRA guidelines. They ignore my requests and provide invoices ( their bills ),  but no tangible proof that the debts are accurate at all. I challenged the veracity of their claims, and to date no such proof has been forthcoming. It is my belief that they do not hold such data, and are cramming and trying to bully me into paying something which as I have stated multiple times, is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ally Financial at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been reporting inaccurate information on my account. On XX/XX/2021 XXXX investigated my dispute and deleted this information from my credit report because there were fraudulent charges made and the credit limit and/ or high balance are/is incorrect.

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 2021-05-12
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2021 - I filed dispute in regards to the incorrect items on my credit report. it has ben well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The issue is about Premier Rewards Gold Card from American Express. On XXXX, I called customer service and asked if my charges from XXXX XXXX XXXX would qualify for the airline fee credit. They answered yes because although the airline I selected was XXXX, XXXX acquired XXXX XXXX and they did not have " XXXX XXXX '' in the drop down list. The charges were on XXXX. I called several times after then and every time the representative said I need to wait longer because it takes up to 8 weeks. On XXXX, I called again because both my husband and I have the card, so I want to cancel mine to avoid paying annual fee twice.The representative said I need to wait another week or two if I want to get the airline fee credit and she also promised that they would refund me the annual fee. On XXXX, I contacted them again and was told that the charges from XXXX XXXX did not qualify for the airline fee credit and I can not get refund on annual fee because it passed certain period. Apparently they can not deliver what they have promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-29
Company: Amsher Collection Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX violated the FCRA, by not notifying me they were furnishing derogatory information to XXXX, XXXX and XXXX. XXXX XXXX XXXX is required to notify me prior to, or no later XXXX days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishing of information was going to take place. This is required under the FCRA, section XXXX, subsection ( XXXX ) ( A ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, 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 the sixth time I've attempted to get this mistake corrected I have sent out a multitude of letters and still no resolution whatsoever. There is a name that I am not associated with at all under my credit report and this is attempt number seven.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Convergent Resources, 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:
XXXX XXXX I had issues with XXXX XXXX when I transferred to XXXX it took XXXX over 3 months. XXXX XXXX gave XXXX the run around with the finale bill. I sent XXXX several times US REG Mail to the issues. They had already put the account on my credit file before they settle the finale bill with XXXX. 
I also called them over 120 times to this situation that was going on. 
I mail them REG US Mail and then some one call back said it was being sent up to a higher department with no results to the issue and they never resolved the issue and I kept calling them with no results always some one is  working on the issue.

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 2020-04-25
Company: ID Analytics, Inc.
State: OH
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 3rd time disputing these address on my credit file. I have never lived in NEW YORK in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX DOB XXXX SS XXXX my only address should be XXXX XXXX XXXX  XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
I am disputing the unknown account on my credit file : 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, US DEPT OF EDUCATION/XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXX # XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, XXXX  XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation