BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: Conn's, 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 company is reporting multiple accounts on my credit reports that is inaccurate. I sent out a dispute to all credit bureaus regarding this company on XX/XX/2018 and still this company has verified information back to the bureaus that is incorrect and inaccurate. 

This company chooses to violate my rights by failing to complete proper investigating under section 611 and 609 of the FCRA. This company continues to report incorrect charge off information even after these accounts were closed. In some accounts showing that I was late even after the dates of last activity showed these accounts to be closed. 

Even after filing for a chapter XXXX bankruptcy, this company shares incorrect payment history while also not reporting statements like this account is currently a charge off account, 120+ days past due, 180 days delinquent, Account renewed, and/or no update received. This is obviously a violation as companies show only report accounts current/included in bankruptcy. It has been over 60 days from my initial dispute and I have sent 3 in total and this company still fails to correct this incorrect information and still chooses to delete this incorrect information after being challenged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: HOVG, LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company added a collection to all 3 credit bureaus for {$1300.00} on 3 separate occasions dating back to XX/XX/XXXX which has caused my credit scores to drop almost 100 points and has caused me to be denied for credit. The collection was added without being researched, I was never contacted prior to the collection being addeded, and the company refuses to respond to the XXXX in response to the complaint which I filed XX/XX/XXXX. I sent certified documents to this company showing the debt was paid by my insurance provider at the time of service ( XX/XX/XXXX ). The documents were received and signed for on XX/XX/XXXX, but my credit reports have nor been updated nor have I received any follow up communication from this company.They are illegally trying to collect for a debt that is not due and will not respond to any communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: FIRST REPUBLIC BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/XXXX I opened a bank account at First Republic Bank in XXXX, California. The Manager ( XXXX XXXX ) recommended a checking account that waives the non-Bank ATM fees for $ XXXX/month. 

XX/XX/XXXX 12 months later, I was recommended by Customer Service to down convert my account to avoid costly Non-Sufficient Fund fees cause by a high monthly service fee. Three Monthly service fees were reversed ( {$75.00} ). 


XX/XX/XXXX XXXX I followed the advice of the customer service agent and had the account converted by the Assistant Manager to one that only charges $ XXXX/mo. I also increased my direct deposit from my job to keep a healthier balance. 

XX/XX/XXXX Once I followed the advice of Customer Service, the Manager who initially opened the account decided to close it because reversing fees Affected him personally. When I spoke to the manager ( XXXX XXXX ), he was rude, condescending and unprofessional. There was no warning or opportunity appeal the decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Experian Information Solutions Inc.
State: FL
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:
To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help. <P/>XXXX shows XXXX disputed XXXX disputed Experian disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires

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 2018-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX  Inquiry from XX/XX/XXXX Misc.

XXXX Inquiry from XX/XX/XXXX Misc.

XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry fromXX/XX/XXXX Bank XXXX Inquiry fromXX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance To Whom It May Concern : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand to delete the following hard inquiries.

I have attempted several times to resolve this matter directly with the furnishers but never received any communication from them. Therefore, I am going to file a lawsuit against each for violating the Fair Credit Reporting Act.

I request you delete these inquiries in an effort to maintain an accurate credit file and reflect my creditworthiness. Your willful and negligent non-compliance reached outrageous proportions a long time ago. This notice is to inform you that legal action is now imminent pursuant to FCRA 616 ( Civil liability for willful noncompliance ) promulgated at 15 U.S.C. 1681n.

The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violations of its provisions. It states : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.

Please delete these inquiries or I will commence legal action.

Sincerely,

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 2021-03-09
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
In the first quarter of the Year 2020 I fell victim to covid-19 affected income. The company XXXX through which I had a loan failed notify me by either phone number or my address onfi all of their intention to charge off my account balance after being unable to pay 3 notes from lack of covid-19 work-related issues and loss of income. I had never been late on any of my bills before and my credit score was almost XXXX. Had XXXX made an attempt to contact me through my address on file or either my telephone number also on file I could have made suitable Arrangements with prosper to prevent the charge off on my account. The needless charge off devastated my credit score and has prevented me from getting consolidation loans. This charge off was sold to a secondary company who has declined settlement offers submitted buy me to them through written correspondence. The failure of the secondary Company to work with me in regard to settle the debt is in violation of the Fair Credit Reporting Act as no efforts were made to notify me by the original debt holder prosper. I have been clearly victimized by the XXXX  company. This was a deliberate action on the part of XXXX  to Force a default so that they could take advantage of selling my account to a secondary company in order to quickly recover cash assets for the benefit of XXXX  loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have accounts on my credit report that I have not authorized.

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 2019-02-13
Company: Atlantic Credit & Finance, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.

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 2019-02-13
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I made a XXXX transfer of {$500.00} thru Bank of America to a friend XXXX XXXX XXXX who has account with XXXX Bank. About 20 minutes later I called my friend to confirm receipt but he said the money was not credited into his account even though the money was taken from my account by BOA. I immediately called BOA and informed them but they told me the money was sent to an account at XXXX but my friend said he had NEVER operated an account with XXXX. I suggested to the Bank officer that it is less than 30 minutes the transfer was made and that they should do something before the money fell into a wrong hands. After series of communications on phone they wrote me to say that they are investigating and that they sent the money to the right person. When I asked them to provide me with the name and the phone number of the person they sent the money to as registered by XXXX they could not. It is now going to 4 months since I have been asking BOA for my money but they did not care about my feelings hence my writing this letter to your organization. Attached herewith are 2 letters received from BOA on the issue, the profile of the true beneficiary of the money and letter i wrote to BOA in XXXX on the subject matter Thanks for your help and God bless.

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 2018-01-16
Company: HW Holding, Inc
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX 2017 my credit report revealed HUNTER WARFIELD INC, a collection company had submitted a debt in the amount of { {$3100.00} } to credit bureaus. These credit bureaus are reporting said debt, which these individuals have no right to collect on anything that was not provided to me with basic protections under the FCRA. I was threatened with legal action and various other actions and threats after I requested validation and verification of debt owed and also willing to pay if the account amount was correct. But when I left the apartment complex I did not owe anything and I feel as if I am being harassed and forced into repaying a debt that I do not owe and was told by the property manager that nothing was owed. I feel this violates the safe collections practices and it does violate FDCPA. With this being on my credit report it is affecting my approval and credit score. Additionally, this collection agency may not have the authority to collect on said alleged debt. I want this removed off all three of my credit reports

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
XXXX 2016 - I purchased a XXXX XXXX XXXX from XXXX XXXX. They promised me they could get me a better finance rate than I could get. I was in agreement that I wanted my loan to be financed by Capital One. I informed XXXX XXXX that I did not want XXXX XXXX. My loan with Capital One was approved. XXXX XXXX sold my loan without my knowledge or permission to XXXX XXXX because they could get more money from them than Capital One. This is per a XXXX XXXX employee. 

Supposedly, XXXX XXXX records their loan transactions. If this correct, you will see me and hear me saying several times that I do not want a loan from XXXX XXXX! 

I never had a loan with Capital One. Since I dislike XXXX XXXX, I refinanced with XXXX XXXX XXXX. XXXX had informed me that I could write a note on my credit report and disputed it. I told XXXX that I want my credit report to show that I did not have a loan with Capital One, and want it removed. Also, I want it said that XXXX XXXX sold my loan to XXXX XXXX. They said no because they can not say anything derogatory. Why bother to tell me I can dispute it and write a note? XXXX obviously lied to me. 

Furthermore, I never gave permission that XXXX XXXX could obtain my credit information and never authorized a loan with them. This needs to be illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Valley Collection Service, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Company Valley Collection Serv is attempting to collect a DEBT that I DONT OWE!! 
they are letting someone else who is occupying the address XXXX XXXX XXXX use my name for their utility service!! I have written them a letter and tried to get this handles and fixed they have failed to fix it and are still reporting the inaccurate and false information on my credit report. 
I have not lived at the previous address. I have not been using their utility service, I asked them to provide me with legal proof that this is my debt and they have failed, all they sent me was the amount owed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX  I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR following accounts XXXX** XXXX** XXXX**  DEBTS I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND  I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT  I am citizen of the unites states of age, would like to make a complaint against operating credit debt collection agency XXXX XXXX XXXX who apparently does not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the (FCRA) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615(f), 623(a)(6).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: LEXISNEXIS
State: OH
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:
Hi, I can't believe you guys are taking advantage of me. I am really upset the credit bureaus have not responded back to me about my investigation. I sent a letters and it's more than 60days. I need this account deleted or updated. These are the items I demanding to be deleted immediately : Bankruptcy court name XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have accounts on my credit report that I have not authorized.

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 2018-01-16
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I had rented a 1 bdrm apartment for $ XXXX/mos for a 6 month term at XXXX XXXX in XXXX XXXX, Sc. This collections balance had NOT shown up on my credit until recently. They had initially reported that I owed {$2100.00}. 
I then reached out to their parent company, XXXX XXXX, and spoke via email with XXXX XXXX regarding this erroneous charge as I only had a 6mos lease there. I had then sent XXXX some backup documestation, including my written notice to vacate, dated on XX/XX/XXXX. XXXX had then stated that this community required a 60 day notice, and I had only given a 48 day notice. She had also indicated ( via email ) that she was " unsure '' as to what this balance was from as nothing was documented. I agreed to pay her the prorated amount between the 48 day to 60 day notice, but I REFUSE to pay $ 2k+ as 1 ) I DID NOT owe it 2 ) Why was I never notified of this for 3 years? 3 ) I have EVERYTHING documented and never once did the former leasing agent reach out to me for this supposed " past due amount ''. With that being said, XXXX had decreased the amount due on my credit report {$1000.00}, which proves my point that that $ 2k+ balance was never owed & why would they randomly knock off half of the amount due? 

As I told XXXX, I will pay the prorated amount owed between the 48/60 day notice on the apartment, because that is owed per the contract. However, I will NOT pay this $ 1200+/- balance they are showing that is due because it is n't. And I have plenty of backup documentation to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: HOVG, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The caller XXXX XXXX XXXX XXXX is looking for someone else ( XXXX XXXX ). We purchased our home from a bank foreclosure 7 years ago and this agency continues to contact us regarding the former homeowner despite our advisement that we are not the persons they seek nor do we have any affiliation. Their phone number is XXXX. They make robocalls multiple times per week : XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief