BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
Company: EOS Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a complaint from XXXX XXXX against EOSCCA for EOSCCAs failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from EOSCCA with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not request the service that Mountain Land Collections is trying to collect a debt for. They sent me a letter on XX/XX/2021. My ex-wife is required to consult with me on medical issues ( attached ) but, in her XXXX XXXX, she doesn't believe she is supposed to despite orders that say so. Because she did not consult with me, nor would I have approved if she had, I am not responsible for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have filed a dispute XX/XX/2021 in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-12-11
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
I have a Fed Student loan that is serviced by XXXX I was a good payor and then due to employment reasons went into forbearance for 3 months - I waited too long to contact XXXX to extend the forbearance and they reported I was late with payment. Because I did not consolidate the student loans there were 8 separate loans all listed as late. Because of this my credit score plummeted and now I am unable to get an apartment car lease or anything else. Help. Why should my life be ruined because of one late payment. Thats all it was was one late payment that has even affected my employment. Please help me as I am hopeless at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Valley Credit Service, Inc. (OR)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX XXXX XXXX failed you work with me when I had card theft issues and ended up with a negative balance I couldnt afford to pay off at the time. I stipulated with them I would not be paying the overuse balance as my card had been stolen. They claimed the charges were valid and thus fast track a while into the future and on my XXXX  Credit Report I was hit with a collection from Valley Credit Services a debt collection agency whom opened the collections account on XX/XX/XXXX to the tune of {$850.00}. This ended up remaining on my report and after two years of attempting to resolve the situation I find on XX/XX/XXXX a duplicate account to the tune of an eerily similar {$840.00} had been added to the defaulted accounts and debt holdings section of my credit report. 
I filed a dispute shortly after via XXXX  for the Valley Credit Services duplicate account. They came to the conclusion somehow that in fact this meets FCRA requirements. Which to my kkowledgeI understand that a debt may somehow be sold from one debt consolidation company to the next over a period of time. But I only ever had one account with the original creditor and this only one debt account can be established for said debt. Not only has this been negatively impacting my credit score to the tune of around 20 points or so but if Im not mistaken ; under the fair debt collection laws it is illegal for this Valley Credit Services to keep reporting a disputed claim and somehow legitimize it to XXXX when there is literally two duplicate accounts for one original debt. I have done all I can to get this duplicate negative account mark removed to no avail. Please help me or provide me the information I need on where or how I may fix this problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Credit Plus 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, CREDIT  PLUS  add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof  that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The bank took away my capability to earn points. I'm below a threshold of cashing in my points on my account for a gift card. I'm just shy of XXXX. The lowest amount I can use is XXXX. I do not have an option to cash in my remaining points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Ad Astra Recovery Services 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:
A Loan was taken out in my name. I didn't get the money nor was it deposited into my account. I never applied for loan someone used my information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: NV
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 filed a dispute with all three credit bureaus more than once now since XX/XX/2020 about accounts on my report that don't belong to me. Someone stole my identity and I filed a police report with XXXX XXXX XXXX Police and identity theft report as well. After going back and forth multiple times with all three credit bureaus disputing these accounts they have still not been removed from my report. I provided everything they asked for and they have nothing showing my actual signature on these accounts or anything proving otherwise. They keep putting them back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Credit inquiry XXXX Inquiry date XX/XX/2023. Unauthorized ( XXXX XXXX XXXX XXXX XXXX ) The FCRA states all information listed on credit reports should be accurate,

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 2018-03-04
Company: Experian Information Solutions Inc.
State: NJ
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:
I had a recent mortgage modification where it was completed roughly 45 days ago and they are still reporting the old mortgage balance and that I was late with my mortgage payments. Neither of which are accurate. I provided them with a current statement of my mortgage showing it is current and that their balances are incorrect and they refused to recognize that 3rd party documentation as proof that I am correct.

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 2019-11-06
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
They are charging {$300.00} for a fee that I don't know what it's for. Also they have called me after I made a payment and my payment was made ( this has happened several times ).  Also they have violated FDCPA by calling me early in the day leaving a message on my voicemail and then they call back again in the same day that they left a message. This happened today and XX/XX/2019. This is not the first time this has happened. They customer service reps are also very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: IL
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:
There was companies that are reporting on my credit report that do not belong there. 
I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit card 's XX/XX/2020 monthly statement with XXXX XXXX XXXX has not been updated with the Transunion on XXXX XXXX. Transunion has not update my monthly statement account information for XX/XX/2020. I contacted both the credit card company and credit bureau Transunion and both companies are not taking responsible for not reporting my account information on time. This is causing hardship with the purchase of a home, due to the fact that my balance is showing more than what I owe on the account. Transunion is showing an old balance for XX/XX/2020 's billing statement not XX/XX/2020 billing statement. The amount actually showing presently is incorrect and need to be update as soon as possible. The credit card statement account information is showing correctly and accurately monthly with XXXX XXXX XXXX, so Transunion should to follow suit.

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 2020-12-11
Company: Debt Recovery Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Capital Accounts, LLC
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:
XXXX XXXX has reported a {$920.00} bill on my credit that does n't belong to me. It was for a child that is not biologically mine and was not on my insurance. It should be reported on her father and or mothers credit, not mine. I have called both XXXX XXXX and Capital Accounts which is the collection agency it is with and they keep giving me the run around and telling me they ca n't do anything and to call the other one, that they are the only ones that can make changes. I have been trying to get this resolved for 3 years and am tired of it. I am trying to clean up my credit and this is n't helping. If it was my responsibility I would take care of it, but it 's not and I just want it off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As of XX/XX/2019, 5/3rd bank has eliminated my access to online access and thus my access to paying my bills. There is no way for me to easily contact the company as they refuse to provide any type of online contact ( phone calls are difficult for me for medical reasons ). I believe this is a concerted effort to make it impossible for me to log on so the company can charge me late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For the past 2 years I have tried to submit a mortgage workout package with my current mortgage company and has been a hassle as they always claim that my documents are incomplete. I have submitted a complete package again on XX/XX/2019 and I was advised by the rep that its assigned to my loan that it was a waste of time that would not be reviewed. 


I don't know where to go now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have made several attempts to resolve incorrect items being reported to Experian. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1.DPT EDXXXX- XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX- XXXX 5. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 filed a dispute with all three credit bureaus more than once now since XX/XX/2020 about accounts on my report that don't belong to me. Someone stole my identity and I filed a police report with XXXX XXXX XXXX Police and identity theft report as well. After going back and forth multiple times with all three credit bureaus disputing these accounts they have still not been removed from my report. I provided everything they asked for and they have nothing showing my actual signature on these accounts or anything proving otherwise. They keep putting them back on my 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 2020-12-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Sent Dispute to Experian on XX/XX/2020 disputing public record : Chapter XXXX Bankruptcy. Requested that it should be removed because it should not be reported on credit report. 
Experian conducted investigation and stated on XX/XX/2020 that they verified Bankruptcy with company listed which is US BKPT CT GA XXXX who furnished them the information. 
I conducted my own investigation and found that the courts do not furnish information about bankruptcies to the credit bureaus, vendors, or any third-parties. ( I have provided an actual letter from the court that states this. ) Verifying my information would require my full social security number to be provided by the courts to Experian which is against the law. I found during my investigation that Experian utilizes third-party vendors such as XXXX to verify bankruptcies. I do not have any public record of a bankruptcy reporting in XXXX as of XX/XX/2020. How did you verify this information? What is your method of verification? Who did you speak with? What is the name of the person that you spoke with and their contact number? What documentation did they provide you? Please provide me proof of the petition with my signature.

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 2020-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Received email from Equifax that my dispute results were ready. I am unable to access the results. Error message " states site can't be reached ''. However, when I try on my phone it tells me I don't have an account with them. This is an ongoing problem with these websites which continues to happen and I'm really fed up of not being able to access MY information when I need to.

Company response to consumer: Closed with explanation