BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-11
Company: SECURITY CREDIT SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 I contacted Security Credit Systems regarding a fraudulent account that was listed on my credit report. I was able to remove the account with the credit bureaus in the past. However Security Credit System reinserted it onto my credit report. I called Security Credit system & informed the representative that I was a victim of identity theft & that the account did not belong to me. The representative told me that he would call XXXX ( the original creditor ) to request documentation from them that had my signature on it to verify if the account belong to me. He also instructed me to email a copy of my police report. I emailed the police report on XX/XX/2020. I have yet to receive any documentation from the creditor showing why they are validating that the account belong to me. In addition to emailing the police report, I also sent mail physical copy along with my identity theft report filed with the FTC. I was able to print off a document prepared by the FTC requesting that they send me documentation showing me my signature on any form related to the account as well. The collection agency has failed to send me any documentation other than a bill related to the account. Yet I was informed by XXXX  on XX/XX/2020 that they verified my collection as accurate in my dispute on XX/XX/XXXX. HOW is it accurate? When I am clearly providing them with the documentation that I am a victim of identity theft. The account is a result of identity theft. I attempted to call Security Credit Systems on XX/XX/2020 to discuss the account but now I am being sent straight to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Riverwalk Financial Corporation
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted multiple disputes to this company and everytime the company responds they say that the debt has been validated but with no supporting documents. I have used multiple dispute procedures to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I have two Bank Of America credit cards. One is closed and the other is open. I accidentally made a payment to the closed account. I called to have the {$500.00} payment transferred to the open account. Everything I call I am told it will be done in 2-3 days. I have called four times and I am told it needs to be researched or the form submitted was not the correct one. It has been more than two weeks. Now I am being told it will take a while billing cycle.

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 2019-07-11
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was compromised. XXXX $ from a company called XXXX XXXX XXXX  overseas.. the bank gave a provisional credit and said they say there was an error and the provisional credit was final. Then reversed the credit and took the money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-11
Company: R&R Professional Recovery, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
R & R Prfssnl Recovery has a account on my credit that doesn't belong to me they have never sent me any documentation of the account or a time for me to dispute the claim. I have received nothing from this company

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 2018-07-12
Company: Conn's, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/18 I received 1 call at work and 7 calls to my cell phone. No messages left. I answered at XXXX XXXX and told them to stop calling me and my work. They proceeded to call at XXXX, XXXX, XXXX, XXXX and XXXX. Today, XX/XX/18 they have already called 5 times. It's only XXXX XXXX MST. I called it back and it is Conn 's credit. My payment failed 5 days ago. I made a payment today. They call from different phone numbers and never leave a message. They don't state who they are from when you answer. Immediately start talking to you. I interrupted the man who answered at XXXX yesterday and told him to stop calling. They did call on XX/XX/18 as well but only twice. 16 calls in less than 48 hours is excessive. Plus I get emails and text messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called TD BANK USA/TARGETCREDIT XXXX XXXX XXXX nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since I have not attended college since 1995 both navient XXXX   TransUnion and XXXX  are all violating the fcra by attempting to collect a debt unenforceable and out of range by 14 years. I received a scam call in order to consolidate all my student loans which unfortunately more than 24 years ago at compounded and since I had interest in going back to school I thought it worthy to take a look at how XXXX XXXX contacted me they assured me that they would then consolidate all of my alone so I could go to school and that was not the case. One of them to this day still refuses to consolidate with XXXX  and I am hornswoggled and beaten by the credit reporting agencies and a very very very powerful Bank who doesn't seem to get the message from the last lawsuit you filed against them. XXXX has swindled me it is fraud and therefore should not be reported to any of my credit bureaus on several reasons to recap. One that is more than 24 years since this loan according to their own dates was supposedly taken. to that the exact nature of XXXX approaching me for the consolidation was absolutely fraudulent from beginning to end and it looks as if they're doing it the thousands of people. Whatever the case the three credit reporting agencies should not report that information until the matter is resolved. There is no if ands or buts that's why it's called the law

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 2018-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt of {$520.00} for a Capital One credit card. When I was unable to pay, a debt collection agency, XXXX XXXX, began calling to collect. 

In XX/XX/2018, I spoke with them about paying off the debt. I had about {$300.00} dollars to pay. I asked them if they would accept his as payment in full, and remove the amount owed from the credit reporting agencies. They agreed to this amount. 

In checking my credit report today, I saw that {$200.00} is still listed as a balance. I called them to ask them about this account. They indicated I had " settled '' the debt, not paid it off. I informed them their agent had agreed that I would not owe any further amount if I made the {$300.00} payment, and they would report it as paid in full, and this is why I agreed to pay at that time. 

When I called, I informed them I felt that had lied to collect the debt, and they apologized, but indicated they would do nothing to rectify the situation. They indicated they could not contact the reporting agencies to fix this error. I informed them I would be making a report about this lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Im sending in a complaint to XXXX, XXXX, & EQUIFAX, i have sent them multiples letters asking them to please remove the inaccurate and negative information that's reporting on my credit reports.They keep ignoring me with stall letters and I am very upset with it. If they can't provide me additional information and documents that i have statement in multiple letters i have sent them, they need to REMOVE everything i challenged IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed inaccurate information on my credit report with all three credit reporting bureaus and the collection companies reporting and they will not remove. 
XXXX, XXXX, XXXX XXXX are not my accounts

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 2019-10-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
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 and XXXX failed to remove late payment remarks from my credit reports for the account I have with XXXX XXXX XXXX bank. I pleaded with USAA federal savings bank  that the late payment they reported to the credit bureaus for XXXX of 2019 for the amount of {$370.00} was not my fault. I also pleaded with them to remove the late payment because I had no idea they offered deferments for late payments, and at that time I could not pay the full amount. I told them my story and they refused. So I contacted XXXX and XXXXXXXX to remove the late payment from my account, but they refused to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hello, I have been facing nothing but trouble when attempting to have Trans Union remove public record information that they are reporting through a third party source without my consent, which is unlawful. I have made numerous attempts to have them remove stated item in my public record section on my credit report with them.

To no avail, they have not once complied with my request to verify with direct source and are continuing to send information back as verified with no accountability of the direct source. I have not, nor have given anyone from Trans Union or their third party reporting services, any written consent or permission to have my information listed.

My credit report and scores have taken a major hit, and are continuing to impact me negatively. Trans Union is causing beyond due stress and harm and are continuing to break the law and will not assist me with correcting the matter at hand.

I have attached copies of Trans Union 's stated reply, which they have not complied with my request of direct verification. I also have contacted and received letter from stated source that they do not report or have given any information to Trans Union, which would result in a direct violation of FCRA and Breach of Privacy Laws.

I have attached letter as well for review and also a copy of certified receipt that Trans Union has received all documents for removal request and have not complied to request per law for removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Monarch Recovery Holdings, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Monarch Recovery Management sent a letter on XX/XX/XXXX which I responded to and notified them that the debt is invalid. They did not respond but instead sent another collection letter with less writing on it dated XX/XX/XXXX. This company was notified that this debt is invalid yet they continued to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX & Hunter Warfield told us nothing of alleged damages when we moved out. Then, when we found the debts on our credit reports we disputed them. We received no notice, no invoice, nothing. XXXX XXXX ( Hunter - warfield ) ILLEGALLY verified the debt as valid through the credit agencies despite multiple challenges. Providing only an unitemized invoice that we never received as verification to the credit bureaus. 
We have notified both XXXX XXXX and hunter warfield. We have challenged the debts. they remain on our credit reports due to the companies illegally claiming the debts were valid

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: TekCollect Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called TEK-COLLECT nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1-1/2 months ago I received a credit alert informing me that my credit score dropped 56 points due to the change in Student loan status. Whatever Fedloans entered in regards to the COVID 19 student loan relief program caused my credit score to drop. No other factors on my credit report changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: NC
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:
A collection agency named XXXX recently reported three collection balances on my credit report for {$400.00}, {$140.00}, and {$120.00}. Prior to these accounts appearing on my report, I received no notification of the debts whatsover. XXXX never supplied me with a notice of my right to dispute, prior to reporting these debts, so they have violated my rights under the Fair Debt Collection Practices Act. And since they have reported these debts illegally, they are also in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 I received email that my balance was now XXXX. I requested a deletion of the item off of my credit on XXXX XXXX by email to the same person whom sent the XXXX balance info, but no reply received. Therefore I called and was transferred to XXXX voicemail.  Today XX/XX/2020, he calls back very sarcastic stating the company will not remove the item. I've attempt to call this company on several occasions to request the removal but still as of today the item remains.

Company response to consumer: Closed with explanation