BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: Reliable Credit Association, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XXXX closed complaint that I submitted XX/XX/XXXX. 
Reliable credit Associates a indirect lender who buys retail installment contract agreement from dealerships in Washington state charged off account XXXX for {$3900.00}. issued a XXXX to myself XXXX to IRS for charged off debt. Then yes sold retail installment contract after charge off on XXXX to XXXX XXXX XXXX on XX/XX/XXXX. Collateral that secured the debt was returned by self help repoession and at the time of self help repoession account last payment was less then XXXX with last payment made. 
Car was sold back to Reliable credit Associates per adesa online inquiry. Yet a vin search of collateral shows odometer has been exempt since leaving Idaho to Washington with no lines filed. XX/XX/XXXX filed a case in court for goods and Services that their plantiff was duly licensed to render. But yet welcome letter states your not in interest in a dealership sold gap and warranty insurance policy. But gladly accepted payments from contracts. 
Again, prove me wrong by sending account print out and proof of XXXX. 
XXXX predatory lender who hides behind dealerships whom you buy contracts from which isn't a loan security interest that you guarantee a return on, hence why after a repoession in XXXX you jumped on waiving all credit requirements to secure that interest. Plus if I am wrong why didn't the real party in interest sue me for deficiency balance?? Cause there was none.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Columbia Collectors Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a car I bought from a auction and sold a couple days later. I ended up getting a paper thru the mail that The car ended up getting towed from the person I sold the car to. I submitted that I sold the car to the XXXX the day it first got towed. I even contacted the tow company telling them I sold car and to who and that I dont have anything to prove that its mine at that time. The women said it was okay and we moved on from it. A month later the car got sold at auction and the fees came to me thru mail. I contacted the tow company once again and told them I sold it and even offered the copy of the bill of sale as well as the name and phone number of the person. The women didnt seem to care and kept saying the car was in my name when it got sold even though the XXXX says its not in my name. The XXXX appointed me to XXXX  XXXX that once the XXXX gets notified of the vehicle sold that no matter what the old owner cant be cited or responsible for it. I have screenshots of everything needed. As much as I wanted to make the tow company believe me they dont seem to care. Im a very responsible person and definitely was expecting them to actually send the debt to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: IN
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:
All of these hard inquiries listed below need to be removed completely from my Equifax credit report. I am a victim of fraud and identity theft and these hard inquiries are not mine as they are all fraudulent and unauthorized. 

Hard Inquiries ( 12 ) Hard inquiries may impact your credit score. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX of XXXX XX/XX/XXXX Dispute this CXXXX XXXX XXXX XXXX XXXX, OH XXXX Date of XXXX XX/XX/XXXX Dispute this XXXX  XXXX XXXX XXXX XXXX OH XXXX Date of inquiry XX/XX/XXXX XXXX this XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX this XXXX XXXXK XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Date XXXX XXXX XX/XX/XXXX XXXX this XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Date XXXX XXXX XX/XX/XXXX XXXX this XXXX po box XXXX XXXX, TN XXXX XXXX of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXX Dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  and transunion both dropped my score over 30 points each the day after the government halted student loan payments. Mine was in deferral at the time anyway and it STILL dropped!

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 2023-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/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 2023-07-16
Company: TRANSWORLD SYSTEMS INC
State: MD
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 repeatedly disputed a debt that XXXX has sold to multiple collection agencies. The information is incorrect and the companies that keep selling to XXXX company and another without having any verifiable information keep reporting the information as accurate. The credit reporting agencies keep reporting this information without requesting verification. I keep having to dispute this information and have it removed and a few months later the information is sold to a new collections agency only to have it re-reported. The new collections agency is XXXX XXXX XXXX which I have NO Business contracts with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Amsher Collection Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debit reported was {$150.00}. I requested the last bill statement and that incurred an additional charge making the total {$160.00}. I paid the balance in full and the charge was removed from my credit report. The charge has reappeared and I confirmed with XXXX  it is paid in full. AmsherCollectionServices is hard to reach and if you do get an agent they are rude and not helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
( 1 ) Bank of America willfully misreports my " current correct address '' to all credit bureaus XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( 2 ) Bank of America willfully misreports my balance of my credit card and allows unauthorized charges to be charged to my credit card, in spite of many warnings ( 3 ) XXXX did not remove the unauthorized inquiry from in spite of many warnings

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 2019-06-07
Company: Experian Information Solutions Inc.
State: TX
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:
In XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2019, I contacted all 3 major credit bureaus ( Experian, XXXX, and XXXX ) via certified mail to inform them about my identity theft. I filed a police report with the XXXX Police Department. I sent a copy of the police report to the lenders and credit bureaus via certified mail. I have repeatedly requested for Experian, XXXX, and XXXX to delete the fraudulent hard inquiries on my credit reports. I was proactive by placing a fraud alert on my credit reports to prevent lenders from obtaining my credit reports without my permission. The 3 major credit bureaus did not honor my fraud alert, and still allowed lenders to obtain my credit reports. Several unauthorized hard inquiries are now on my credit reports. The lenders did not have my consent, permissible purpose, signature, knowledge, nor personal identification when credit was sought in my name. XXXX, Experian, and XXXX still allowed the hard inquiries. My rights have been violated as a consumer through the Fair Credit Reporting Act. I am being denied for credit opportunities because of the excessive unauthorized hard inquiries on my credit files. I am seeking legal defense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: SC
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 # XXXX, has violated my rights. 


15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXXXXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original debt was charged off to my credit report was in the amount of {$4000.00} around 4 years ago. Since that time I've continued to received emails stating they're willing to settle the debt at a lower amount ( see email below ). I reached out to the company multiple times on XXXX XX/XX/XXXX to inquire about the settlement offer. I was told by multiple representatives that although the account was charged off years ago the company has continued to charged the account interest and now I states I owe {$11000.00} which they placed on my credit profile recently and that they're settlement offer would be {$4700.00} which was the original loan amount, or I can pay {$1100.00} down and start back making monthly payments on a debt that was charged off. This seems to be inconsistent with the law and or illegal/unfair interest that has accumulated after being charged off. I would like to make a settlement on what was charged off on my credit of the {$4000.00} with the understanding that I am making an attempt to correct mistakes I made but not to unfair collecting practices and illegal interest being added. Your help in correcting this issue would be greatly appreciated. 

Received XX/XX/XXXX On XX/XX/XXXX you borrowed money from Pioneer Services. At that time, you signed an agreement and committed to pay back the loan but you did not honor your commitment and your account was charged off as bad debt. 
We understand you may be facing some financial challenges. Thats why were reaching out to you today to make a settlement offer on your outstanding loan. 
Were willing to accept an amount less than the total balance in order to settle your debt. If you take advantage of this offer and pay the agreed upon amount, we will report to the credit bureaus that your loan has been settled in full. * Please call XXXX-XXXX-XXXX-XXXX to discuss your options with one of our team members. This is a time-sensitive issue and requires your immediate action, so please give us a call as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Hi, My Credit report show old collection which was close on XX/XX/XXXX. Since then no update has been happen, Even today its showing pending balance of {$3300.00}. Due to this my credit history is bad, and many time I rejected for personal and housing loan. Also paid almost 6.5 % interest for car loan. That time I was not aware root cause. 
Because of this issue I been denied for housing loan, in XX/XX/XXXX. That time house cost was XXXX, now same house cost increased to XXXX. Loan was denied at the time of disbursement, before that I paid initial token moth XXXX. After 2-3 months follow up I lost the deal. Since then I paid almost XXXX/month rent which is total close to 75000 plus. 
When I apply for personal loan then I realize the root cause of denial.

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 2023-04-07
Company: CCS Financial Services, Inc.
State: PA
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 Accounts of XXXX XXXXXXXX and XXXX XXXX XXXX have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a, payment on a credit card account under at open end consumer credit plan as late for purpose.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Experian Information Solutions Inc.
State: MN
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 disputed the late payment status reported on XXXX XXXX XXXX****,  XXXX XXXX**** ', XXXX XXXX**** with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 disputed the late payment status reported on XXXX XXXX  XXXX, XXXX XXXX ', XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please see the attached explanation. I sent this letter to all three credit agencies and XXXX XXXX to plead for an act of goodwill.

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 2022-03-07
Company: MicroBilt / PRBC (formerly CL Verify)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Microbilt financial did a hard inquiry on my credit. I don't recognize this company. XX/XX/2022. I tried to contact the company no one responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: ALLY FINANCIAL 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:
I was subscribed to XXXX  for a FEE. 
I had a scam on me from a Auto Leasing Company for RETURN -IN damage charges? 
I disputed and won my ALLY FIN case!! 
However the CREDIT AGENCIES now will hold a DELINQUENCY OVER MY HEAD FOR 7 YEARS?? ISN'T THIS ILLEGAL?? 
NOBODY CAN REMOVE THIS FRAUD CHARGE ACCORDING TO REPORTING AGENCY?? 
IS THIS A VIOLATION OF THE FCRA??

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