BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: First Credit Services Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/2019, I received a collection notice from First Credit Services , Inc., ( FCS ) for a payment allegedly due to Fight For XXXX XXXX, XXXX XXXX XXXX  in the amount of {$650.00}. On or about XX/XX/2019, I mailed a written response to FCS responding that I disputed their alleged debt because I had never had an account with any entity named XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. 

On XX/XX/2019, I received a notification from a credit monitoring service I subscribe to indicating that FCS, without any further communication to me nor response to my mailed correspondence, had added the above-mentioned account to my credit report as a collection. It is unlikely that FCS had the time to conduct a thorough investigation of my response and they failed to contact me with the results of their investigation of my dispute. 

After conducted my own investigation, I discovered that I had a membership to a health club named XXXX XXXX that I cancelled in XX/XX/2019. I changed banks in XX/XX/2019 and, in doing so, evaluated all my recurring expenses, including the account at this health club. Considering I had not been to the health club in nearly 12 months, I deemed this membership unnecessary. I contacted XXXX XXXX  XXXX and provided written notice as required in early XX/XX/2019. In early XX/XX/2019, I began receiving robocalls advising me my payment was past due. These robocalls provided no operational call back number, so I visited XXXX XXXX XXXX and was told that cancellations could take as long as 60 days to process. Since I cancelled this membership, I do not owe a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX  my friend XXXX Called in around XXXX CTS and spoke with XXXX XXXX regarding my debt. XXXX Failed to get XXXX 's first and last name on that phone call. he went ahead and disclosed details regarding my debt to XXXX with out going through any verification process as to who he may of have been speaking with. Under XXXX XXXX understanding he can disclose my personal information to ANYBODY that has my date of birth ( seems like that may be an oversight in training ). My understanding of the FDCPA is that as debt collectors they are required by federal law to keep my privacy protected and to not disclose my personal info to an unverified party. i feel like they are in direct violation of third party discloser laws, covered under SUB SECTION 805 B of the FDCPA. I feel like they are in Violation of my rights, and i am asking them to Cease Collections on this account immediately and to remove off my credit report, as they are in violation of federal law, and they have failed to keep my rights as a consumer protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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:
XX/XX/2022 a credit card was opened in my name fraudently with XXXX XXXX. I attempted to call & find out who did this & how to resolve it. It is reporting to my credit file. I have not gotten anywhere with this. Card has a balance & late payments. This is not my card. I did not give anyone permission to open it in my name. I want this removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ran out of room to write this on the screen prior. I used XXXX XXXX XXXX XXXX XXXX to spray my lawn and paid them up front for the entire year. They left an invoice each time showing what they did and what it costs but which I always pitched because I paid the whole year in advance. They showed up the following year and sprayed my lawn again and left a bill. I called right away and told them I didn't want my lawn sprayed by them again because I wasn't happy with the way it looked after being treated of a year. I explained to them that I didn't sign into any agreement with them to do my yard again and have no standing contract with them. The salesperson I spoke with screamed at me on the phone so I hung up and wrote a letter to XXXX XXXX XXXX XXXX  and this was the last I heard until receiving a debt collection notice for {$47.00} today XX/XX/25. I don't understand how someone can attempt to collect something I didn't ask for or have a signed agreement ahead of time as a promise to pay so I was very surprised by the letter and I certainly don't feel I owe this company anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I sent a letter regarding inaccurate things on my credit report til this day over 60 days later. I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) is plainly stated that a failure to investigate these items with 30 days give a reason to immediately remove those item from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted or I will file for litigation due to the stress you cause me. My information was also impacted by XXXX and XXXX data breach and may have got into the hands of the wrong person.

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 2019-07-28
Company: EQUIFAX, INC.
State: MO
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:
145.5 millions of Americans identity has been compromised by hackers via the Equifax data breach and I have been a victim of that breach inwhich has my credit file damaged with negative information, accounts inwhich shall be removed and blocked immediately. 

1 ) XXXX {$940.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Eagle Accounts Group, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i try to dispute this trough XXXX severals times, specially my last dispute on XX/XX/XXXX was ignore, XX/XX/XXXX was ignore as well ( i even send the other party a letter on XX/XX/XXXX as well ) none of them reply : i tough they all should follow the law, none of was in compliance. ( see attach doc ), sometime they put the account as installment sometimes they reported as collection? this is account was never late ( i been paying my duty since 2009 and it was come in from my work directly ). i was never been notify by the company about any discrepancy, please assist.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: FC HoldCo LLC
State: IL
Product: Credit reporting 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 report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN  ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.

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 2019-12-04
Company: JPMORGAN CHASE & CO.
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a credit card account with Chase XX/XX/XXXX. I have made timely payments the entire time ( see attached payment printout ). Payments being due the 6XX/XX/XXXX of each month ( see attached billing  printout ). 
XX/XX/XXXX they placed a late fee on my account. On XX/XX/XXXX ( 2 days later ) I made the requested payment of {$92.00}. The refused to remove the late fee, which was fine, even though the date had changed after 2 years of it being on either the XX/XX/XXXX, or 6XX/XX/XXXX of each month. 
My complaint is that once they received the {$92.00} payment, they froze my account, and upd the payment to {$350.00} which they requested be paid in full before the account would be released for use. This is ABSURD!! I continued to make payments, while trying to reason with them, however they continued to add late fees, as the entire {$350.00} was not paid all at once. 
I have sent numerous communications to them to remove the freeze, to put the payment back to what it was, and to STOP charging me late fees, as I was not going to make a payment of {$350.00}. 
They refused, continued to place the late fees on the account, as well as continuing with the ENORMOUS payment amount request, while threatening my credit. Even though I continued to make payments. 
I have worked hard and paid all my bills on time in order to have good credit including this CHASE card. 
I do NOT need or want this credit card any longer. I do however want them to remove the late fees, and put the payment amount back to amount it initially was of {$92.00}, if they want to be paid, or even lower, as nothing has since been charged against this account nor will it be. 
Credit cards are killing Americans, not because people cant or are not paying them, although I have stated I will stop payment if this is not corrected, its because Credit Card companies such as CHASE are allowed to illegally scam their good customers for NO REASON!!! Credit scores are a joke in the US, especially when you have credit card companies committing fraud such as CHASE. 
Solution is quite simple if they want to get paid : Remove all late fees, return payment amount to the amount it should be {$92.00} or less, and CLOSE this card, as I no longer want to do business with JP Morgan Chase Bank. They are CROOKS! They have refused to CLOSE the account because there is a balance, and clearly so they can continue to add late fees based on the exorbitant payment amount that they out of the blue increased over a ONE TIME LATE PAYMENT BY 2 DAYS! 
The fact they are crooks should actually - negate this account in its entirety. 
I appreciate your time and assistance with this issue and look forward to a solution. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXL ) has violated my consumer rights by reporting fraudulent information across my XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and TransUnion consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion, XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

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 2021-03-16
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Please see attached documents as it contains my complaint and identification.

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 2019-12-04
Company: Experian Information Solutions 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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Credit reporting 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 report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/XXXX I received a call from XXXX XXXX and they submitted a loan amount of {$30000.00} to XXXX XXXX XXXX XXXX. The name of the representative was XXXX XXXX. He told me the company was a tax debt relief company that worked very close to with the IRS, wiped out the tax debt, stop liens from IRS. He sounded very convincing. He even called the IRS so that we could speak with someone but could never get them on the phone. I was told I could call back and cancel at any time by XX/XX/XXXX. I have been calling the company since XX/XX/XXXX, to now and still can't get in touch with the representative or anyone. I haven't heard anything from XXXX XXXX and XXXX XXXX XXXX XXXX. I was still in the mist of collection activity with this company, and they still reported me to the credit reporting agency. That is a violation of Federal Law. They never resolved my dispute. This needs to be deleted from my credit report 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 explanation