BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-16
Company: EQUIFAX, INC.
State: TX
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:
This is a formal complaint against XXXX located in XXXX, TX. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, [ insert CB name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX, Toyota Motor XXXX, and XXXX XXXX. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Toyota Motor XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: OR
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:
On XX/XX/2019, I discussed loan refinance with a lender, XXXX XXXX. I gave the permission to pull my credit around XXXX. Less than hour later, I became inundated by unsolicited phone calls from other lenders or their representatives who obtained my information from the credit bureaus, ( XXXX, Experian and XXXX ). They all claim that they are partners with these credit bureaus. 

I did not agree for my information to be shared with anyone! 

Who gave these people my phone number??? 

Why are credit agencies matching the credit inquiry with my phone number and giving to these other parties - I did not authorize that. 

I lost several hours of my time just handing the calls.

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 2018-11-08
Company: Midwest Recovery Systems
State: FM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midwest Recovery Systems is NOT licensed to collect debt in the state of Florida. Their license expired in XX/XX/2013. They have NOT renewed their license, and they have NOT notified me of any debt prior to reporting. According to the Fair Credit Debt Collection act, and the Fair Credit Reporting Act, I am supposed to be notified of a debt and given sufficient time to dispute or resolve the debt. This debt was reported without my acknowledgement and they are violating my HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is called ability recovery services, the continue to call and harrass me over a debt I have no knowledge of. They have contacted my employer multiple times trying to collect a Debt I have no knowledge of! The dinged my credit report as they said they would. The very first calls started at this beginning of 2022 and haven't stopped. They said they would make whatever attempts necessary to collect. Everytime they call its nothing but angry people making threats. It is really crazy because I do not have any knowledge of this account. They have dinged my credit with all 3 major credit bureaus. They even have the wrong address listed on my credit report. An address in XXXX. I have never ever lived anywhere else but ohio in my adult life. Please help me!

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 2019-04-02
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do NOT have a debt problem, nor have I ever had one. Within the last 4 days I have gotten 3 calls from this scam company by the ERC Research ; I received a call on a Wednesday after ( XXXX ; XXXX ) ; another on Saturday ( XXXX ; XXXX ) and Monday ( XXXX ; XXXX ). Their number has been pegged numerous times on XXXX notes. I would appreciate if you could eliminate these aggravating people from calling ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-04-02
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was contacted today XX/XX/XXXX by IC Systems. Caller asked for me by name and recited my physical address asking for verification. I asked who was calling & caller responded IC Systems on a personal businesss matter. I replied that I had a prior complaint against IC Systems for harassment and fraudulent collection attempts, ( see complaint XXXX ) and that if this was a collection attempt I intended to file another complaint & initiate a FDCPA compliant as well. Caller stated they would remove my contact information from their files. However, they should have never had my contact information because in XXXX, IC Systems attempted to initiate collection on an illegal & fraudulent debt and agreed to cease and desist all contact after a complaint was filed. This new attempt shows that IC Systems is in fact actively seeking my information with the intention to use it for fraudulent collection attempts.

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 2019-04-02
Company: CASHCALL, 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: Account status incorrect

Complaint:
Cashcall continues to report an account as a chargeoff to my XXXX and XXXX credit reports. I have paid this account in full and have a letter from XXXX XXXX XXXX verifying the payoff and that it should have updated to my credit report to release me of financial and legal obligations in regards to the Cashcall account. The letter is showing paid in full on XX/XX/XXXX. I tried to do a debt verification with Cashcall and they keep referring me to XXXX XXXX XXXX as a sold debt with a refusal to update the account and they are now sending it to collections and skip tracing ; vindictively. I have spoken to that company that sold the debt to XXXX XXXX that sold it to XXXX XXXX XXXX. I tried to contact XXXX XXXX XXXX today XX/XX/XXXX and they are no longer in business. 
The first delinquency was also reported on XX/XX/XXXX. With the date being XX/XX/XXXX. This should be removed via the 7 year rule as well. 
XXXX refuses to update an account that has been paid fully back in XXXX. I also have two legal cases in regards to their collection activity in California being deemed illegal for unconscionable interest rates and therefore uncollectable. Refer Supreme Court XXXX XXXX XXXX XXXX  XXXX vs. CashCall Case # XXXX XXXX circuit No. XXXX and United States District Court of XXXX District of California Case No. XXXX XXXX Consumer Financial Protection Bureau v CashCall.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Evening Management Team ; My name is XXXX, and after several calls with XXXX XXXX XXXX where they said that they are not handling this account on my credit report anymore and it was actually sent to a collection company, and then they transferred me to XXXX XXXX main office, a collection services company, then they transferred me to XXXX based office where we were able to discuss the debt with the Manager there XXXX XXXX file # XXXX. The debt has been paid but they continue to report them incorrect on my credit report. XXXX it reporting wrong balance, and they never sent me any notification that the debt was sold and I never received any notification to challenged the validity of the debt. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting that I have a credit card from them I have never had a XXXX XXXX credit card after asking for the purchases on this credit card they told me it was to pay a cable or internet bill at a house I was renting out to another family while out of the country on a XXXX trip this is not my account

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 2018-01-22
Company: Security Credit Services, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, 2016 Amount = XXXX This is a account that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX/XXXX/XXXX I made a payment to my XXXX XXXX through my Paypal account. Instead of taking that amount from my bank account, Paypal fraudulently took an additional amount of money from my bank to pay for a debit balance that I had previously accrued because of a disputed transaction on XXXX. I had sold a product on XXXX and the buyer did a chargeback with his credit card. Then Paypal wanted the money back from me and also charged me {$60.00} because of the chargeback fees even though this was created by the buyer, not myself. So, I disputed this amount with Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: PNC Bank N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The issue is with PNC Bank arbitrarily adding a comment to the credit bureau identifying my home as " Affected by Natural Disaster ''. When I called the Bank the employee notified me that this is simply a comment that they add when the area around a home has been affected by a Natural Disaster. This is an unfair practice and affects the value of a persons home. This is something PNC is doing to others and I feel that they are going to affect the home values of many people by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: HOVG, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Filed Dispute on credit bureaus original creditor is XXXX XXXX XXXX XXXX XXXX {$1800.00} placed collections XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Halsted Financial Services, LLC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been calling my cell number and home number for at least one year or more. When I answer the phone, I am unable to understand ANY of the representatives who I am talking to. All of the people who Ive spoken with do not speak CLEAR XXXX. It is very difficult to understand their words. When Ive asked to speak to a supervisor, they just hang up, every time! This last time today at about XXXX I called a number I found on XXXX for this company. I am concerned that they are not legitimate and just scammers of some kind.i told the person who answered if she did not get someone who could speak clear XXXX AND clearly identify the company name and address, I was going to file a complaint with The Consumer Financial Protection Services. She asked if I was a person named XXXX XXXX. I said no and she said they would stop calling. They have been calling XXXX, XXXX and XXXX. I doubt they will comply. I have repeated told them to stop calling, blocked every number they use to call me. By the way, through all the calls they have made to me, only the last person I spoke to asked if I was XXXX XXXX, who they were trying to reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: LEXISNEXIS
State: DC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington LexisNexis Consumer Center XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2019 XXXX : Unauthorized Bankruptcy Credit Reporting To Whom It May Concern : I recently received a copy of my credit reports. The credit reports showed a credit reporting by your company that I do not recall authorizing. Nor did the United States Bankruptcy Court verify or validating information from consumers ' credit files. understand that LexisNexis Consumer Center shouldn't be allowed to put an inaccurate inquiry on my file unless I have authorized it. Please have this bankruptcy reported be removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized Bankruptcy reported be removed. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Thanking you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am having 2 issues with a company called MRS associates. 

1. They are making repeated calls to my cellular number but when i answer the call they disconnect. I know it is them only because when i call back they have an automated answer telling me who it is. 

2. When I call back MRS associates will not tell me what debt they are trying to collect or give me any information unless I answer a litany of their questions to " confirm '' information they claim to already have. Since I do not know who these people are or what their scam is I have refused to provide them any information about me. In turn they refuse to tell me what debt they are collecting and they also continue to call. They insist that they have my address and ask me to " confirm it '' but they have yet to send me anything in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18
Company: Hillcrest Davidson & Associates
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, I was lied to by salesman from XXXX XXXX XXXX who said they were from my alarm co. XXXX. I tried to cancel the contract within Or 3 day period but XXXX blocked our PH. # for 30 days. XXXX ( after being exposed on TV on XXXX. for their business tactics ) filed bankruptcy and changed their name to XXXX. The contract I signed had a provision that unless the company was notified before 30 days the contract would auto renew. I was sent a bill {$590.00} which was too high for the remaining term of the contract. In Ph. conversation with a company rep., the amount owing to XX/XX/XXXX was $ XXXXI sent my check for {$390.00} with a written cover letter ( written the co. bill page ) explaining that this payment completed our obligation for contract & noted same on check. I kept receiving due notices for an additional {$190.00} ( 4 mos. past the mo. contract. Numerous information on returned overdue copies elicited no response from XXXX. they have now hired a collection co. Hillcrest-Davidson . I will send in supporting information when I have a case #. Thankyou for any attention & support or advise you can supply

Company response to consumer: Closed with explanation