BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-04
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Contract Callers Inc with a Validation letter sent via certified mail. I received their response via mail XX/XX/18 which did NOT include any signed documents/contracts as evidence I agreed to pay them any amount of money they say I owe. 
They have refused to remove this inaccurate info reported in my credit file with XXXX, XXXX, & XXXX which is a clear violation of the FRCRA & FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: EQUIFAX, INC.
State: KS
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 XXXX XXXX Account Ending in XXXX This card reflects delinquency in XXXX XXXX, XXXX XXXX and XXXX XXXX. However, this account has payment protection on it. First, the card had been attempting to collect on the delinquent payment and knew it was due to a job loss, but never applied the credit protection program that I had been paying for ( a subsequent bill is attached showing the charge for credit protection ). <P/>Specifically, please pay attention to pay 5 of the attached where it reflects the charge for the credit protection as : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}, I have had this protection program since the accepting the card. <P/>Additionally, once the payment protection program was contacted they were to make all back payments, as well as remove the negative marks as it was an essential part of acceptance of the credit card as I had a reasonable expectation under the UCC section 2-201, that the minimum monthly payments would be made during the time of my job loss, and no derogatory marks be reported at inception and as a result of the promises made by the credit protection team. Further, the fact that XXXX XXXX XXXX attempted to collect on the debt knowing I had lost my job and not applying the credit protection program during our first communication in XXXX is a violation of UCC section 1-304, as XXXX XXXX XXXX was acting without good faith and with unclean hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account XXXX not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: MA
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:
GOOD EVENING ; SEE ATTACHMENT! - I'M NOT SURE WHERE THE DELAY IS BECAUSE I'VE TRIED FOR MANY MONTHS - EVEN AFTER I PAID OFF THE ACCOUNTS AS AGREED UPON AND IT CONTINUES TO REPORT INACCURATE INFORMATION. I PAID {$3300.00} AS AGREED AND IT WAS TOLD THAT IT WOULD BE DELETED FROM MY CREDIT REPORT. I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

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 2018-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
4 collection accounts that incorrectly being reported. I request full validation of these accounts as I have not authorized any services from any of these companies. If full valifation can not be done, I demand all to be deleted immediately. 
Accounts : XXXX XXXX {$420.00} XXXX XXXX XXXX- {$330.00} XXXX XXXX- {$310.00} XXXX XXXX XXXX- {$730.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Despite multiple requests, the unverified item with XXXX, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under 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
Consumer complaint received 2018-06-19
Company: DISCOVER BANK
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:
My name is XXXX XXXX and I have a XXXX debt forgiveness from Discover card in XXXX {$690.00}. I am trying to buy a house and Discover continue to report me with late payment today XX/XX/2018. I had called many times myself, even when my mortgage company and I called them they will not issue a letter stating that my account is closed even though they told me it is close and will not remove or stop reporting that I am still late. Could you please help me ... 
It shows a dispute was resolved but there is still an outstanding balance. The dispute is resolved and the resolution was she still owes the money. last reporting XX/XX/18 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Consumer Portfolio Services, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have already attempted sinceXX/XX/XXXX to settle out on this car with this company. This has taken place from XX/XX/XXXX  up untilXX/XX/XXXX. I have submitted several complaints and in the motion of filing for arbitration. This company is indicating that I owe {$11000.00} and is valid through XX/XX/XXXX. I have already paid over {$15.00},XX/XX/XXXX for this car in which it was Contract Amount : {$13000.00} / Amount Financed : {$13000.00}. 

This car engine is no longer working. The car is not worth more than {$1000.00} and the company has failed to try and settle out this debt with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Over the course of the last several months I've experienced a growing and continuous problem in dealing with a Citi Card Credit card. It started in XXXX when the company advised me they were 'upgrading ' my current card to a new version of the same card with additional benefits that I never requested, which as I read through the terms actually seemed worse than what I had at the time but that's not the purpose of my complaint. They deactivated my card at the time and never sent a replacement card. When I called to inform them of that I was promised another card in the mail and they would close the active card to prevent any fraud. They again never sent the replacement card. The first time I called back the CS agent took my info had me sit on hold for 15 minutes then hung up on me. The second time I called back I asked for a manager sat on hold for 20+ minutes before deciding to try to handle it with the agent. The agent informed me my account was closed and the only way to reopen it was to re-evaluate my credit as if I were a new applicant. They sent me a derogatory credit report citing too many inquiries against my credit and a unacceptable credit ratio ( as they inquire against my credit ). Mind you their card is my only credit card and I purchased a home in XXXX, and all of those payments are and have been current. The idea that someone who has an account that's active, being paid regularly, under a credit limit and didn't request it closed be closed is absurd. Moreover I know for a fact that a credit card company will not allow you to voluntarily close an active credit card with a balance simply because they expect to make more money off of you. Their practices are at best unfair and likely fraudulent since I never requested them to close this card, but they claim through their CS that's why they did it not to mention I haven't had access to my only CC since XXXX trying to resolve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from a debt collector, Central Portfolio Control, on XX/XX/XXXX, stating I owe money on an account I do not recognize and threatening to take me to court. The original creditor on the debt collection notice is listed as XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX at least twice by phone and both times my contact information was taken and I was told I'd be contacted by their fraud department but I have not received any call back to resolve this matter. 

I have responded to Central Portfolio Control via fax on XX/XX/XXXX informing them the account is not mine and is a result of identity fraud but have not received a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: SYNCHRONY FINANCIAL
State: VA
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 XXXX did a hard pull on my credit file without my Authorization

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: Colony Brands, 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: Information belongs to someone else

Complaint:
I demand the business remove the hard inquiry against my SSN at any credit reporting agency, including but not limited to XXXX, XXXX, & XXXX. In addition, the business agrees to have no contact in any form with me regarding this account now or in the future. Lastly they agree to remove my personal information from all accounts in the companies database.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-04
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had my XXXX XXXX enrolled in autopay for over six months. I logged in to download my statements and my autopay information was erased. I was never notified of this. In addition, XXXX will not let me enter my checking account information ( the same account! ) to set up a new payment source. A website error continues to state that the routing number could not be verified. Again- same account that XXXX has been successfully using for autopay for over six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Bread Financial Holdings, Inc.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: Millco Management
State: AL
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 just checked my credit report and XXXX XXXX have four accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXXi have never have a contract with these companies. i did not receive a dunning letter in the mail saying I have a right to dispute this debt. This company hold four accounts with my name social security number address date of birth without my permission which is identity theft.They bought these accounts from another collection company. This company needs to delete my personal information out the database.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: CORELOGIC INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX/XXXX/XXXX XXXX {$570.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach. FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.

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: Merchants and Medical Credit Corporation, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name MERCHANTS & MEDICAL CREDIT Account number XXXX Recent balance {$3400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. <P/>XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20
Company: EVERBANK, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had just opened a basic online savings account with TIAA Bank, which showed up in my online banking. Today, I logged onto my online banking and saw that TIAA had closed my online savings account without any kind of notice or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Dear Sir/ Madam, There has been a so called Collection by the name of ( XXXX XXXX supposedly for XXXX XXXX account that I never had ) ) on my credit reports which was posted on XX/XX/2018, I have no recollection of this company, I believe it's FRAUD included in stolen Identity SCAM that was posted on my reports, I contacted the credit Bureaus to remove the scam ASAP, I was told that it was verified, someone posted this scam on my name and I want that removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: AAS Debt Recovery, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AAS debt recovery, inc is reporting a balance of {$600.00} on my credit report. I have asked for a detailed description of what this is that they believe that I owed them or any company that they are trying to recover these funds. I HAVE NOT RECEIVED ANYTHING FROM AAS DEBT RECOVERY, INC IN A DETAILED DESCRIPTION WITH MY SIGNATURE. When speaking to a representative from AAS DEBT RECOVERY she asked for personal information that has nothing to do with what Im calling about and she hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: EMG ACQUISITION GROUP, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Myself, family and friends have received multiple calls stating that the debt collector demands I pay or else I'll be sued and convicted of fraud for bills that I don't even have a recollection of belonging to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
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: Information belongs to someone else

Complaint:
Dear Sir/ Madam, There has been a so called Collection by the name of ( XXXX XXXX supposedly for XXXX XXXX account that I never had ) ) on my credit reports which was posted on XX/XX/2018, I have no recollection of this company, I believe it's FRAUD included in stolen Identity SCAM that was posted on my reports, I contacted the credit Bureaus to remove the scam ASAP, I was told that it was verified, someone posted this scam on my name and I want that removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief