BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-06
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, I filed a complaint with the BBB against the violation of my consumer rights with XXXX XXXX XXXX. They keep calling my job although they notified BBB on XX/XX/XXXX that they received my complaint when I called and they will no longer call my place of employment. On XX/XX/XXXX, my supervisor once again informed me that I received yet another call from this same place. I spoke to her and was told I am not to give out her number. I apologized yet again and assured her that I was trying my best to get this situation under control. 

XXXX XXXX XXXX has yet again violated my consumer rights, lied in writing to the BBB and they refuse to abide by The Fair Debt Collection Practices Act. They keep violating my rights under this act and companies like this must stop. I am working very hard although they do n't see it to catch up on my car payments. I am on 90 probation because this is a new job and to have bill collectors keep calling me at work is unacceptable. I receive an evaluation and this will be noted. How do they accept me to pay my car note when they keep violating my rights trying to get me fired or humiliated at work. I am not sure why they feel they can do this but it has to end. I will be looking to seek further action against them. 

In their own writing on Ally letter head they replied back to the CFPB stating they place my cell number and work number on the Do Not Call list, however they keep calling my cell over 5x 's a day as well as still calling my place of employment. I have  attached a copy for the 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 2020-01-23
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX and XX/XX/XXXX, there were inquiries done by Reliable Financial Services , Inc. using my information, for a car loan. I did not authorize these inquiries and don't even live where these inquiries were made ( I live in New York, inquiries were made in Puerto Rico ). 

XX/XX/XXXX, there was an inquiry done by XXXX XXXX in XXXX XXXX, Puerto Rico,  using my information, for a car loan. I did not authorize this inquiry and don't even live where this inquiry was made ( I live in New York, inquiry was made in Puerto Rico ).

I have communicated with both entities and they have suggested that I file a complain with the CFPB. They say the inquiries do not appear in their records, but it does appear in my credit history.

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 2021-09-03
Company: ERC
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: Account information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX  and XXXX  efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX  and XXXX  are reporting inaccurate information on ERC ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Williams & Fudge, Inc
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX from Williams and Fudge XXXX XXXX XXXX XXXX SC XXXX XXXX I have been repeatedly harassed after asking them to stop calling. They called my employer on XX/XX/18 at XXXX XXXX 

They have never sent paperwork to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Prince Parker & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX at XXXX XXXX a man named XXXX from Prince Parker and Associates left a message for my office manager claiming to call on behalf of XXXX XXXX XXXX for a past due balance. The voicemail was forwarded to me as I am the XXXX XXXX and handle all of our accounts. I called the gentleman back and he demanded that I give him my phone number. I said he should already have my phone number, he's the one that called our office. He began to get hostile, saying that he talks to a lot of people and I was wasting his time. I told him we have no outstanding balances and would not give personal information, and then he hung up on me. He called back 5 minutes later and once again demanded my phone number. I said I would contact XXXX XXXX XXXX   directly as I do not feel comfortable providing any information to him, and if he was truly hired by XXXX XXXX XXXX to collect a bill he should already have the appropriate information. He yelled " You know what? Have a nice life '' and hung up. I immediately called XXXX XXXX XXXX and was told that our account is in good standing and they have never sent our account to collections. This company seems like a scam and they are extremely aggressive in their tactics.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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 early XXXX of XXXX Equifax was victim of a major security breach which I 'm sure the reader of this complaint is very familiar with. Unfortunately I 'm a little inexperienced with the whole credit industry as I 've had enough to deal with trying to further my education and experience. I 'm now a little anxious as to what could happen to my identity in the future. Unfortunately it does n't seem like Equifax is doing much to protect those who may have been affected. I honestly believe that this a big money grab by credit agencies to sell extra protections to those who ca n't handle the anxiety that this breach may bring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: RGS Financial, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep asking for a person who does not belong in my household nor is a person that this phone number belongs to. I do not personally know the person that they are trying to collect the debt from but they have made several calls to my phone after I had expressed that they had the wrong number to the person they were trying to reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Yes today 's date is XX/XX/XXXX I pulled my TransUnion credit report and I see alot of credit inquiries that I know and I did not authorize anybody to pull my credit here are the list of inquiries ... XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX via XXXX XXXX XX/XX/XXXX..XX/XX/XXXX .... XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX all of these are not mines it's against the law for someone to run my credit with out me know plz cfpb help me get this resolved

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 2021-10-09
Company: Source Receivables Management LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have automatic payments set up with this company and yet the still continue to call and they also call my dads cell phone. They call almost everyday and they call more the once as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had XXXX at XXXX XXXX in XXXX, MO in XXXX of 2021. I was told I would have to pay a set amount of money upfront before having XXXX, to pay for what the insurance company would not cover. I paid that amount so I could schedule XXXX. Fastforward to XXXX of 2021, I get 5 collections related to billing by XXXX XXXX for my XXXX. Nobody ever contacted me about the bills, I never received the bills in the mail, and I called them to try to make it right and pay the bills, and I was told that the accounts would not be removed from collections, even though XXXX XXXX is clearly liable for these bills not getting paid. This would be a different situation if I hadn't offered to pay the bills to correct their mistake, but they still refuse me the ability to make it right. So I would like to report them for destroying my credit, that I have worked tirelessly for years to repair, and refusing to correct their mistake. Now is refusing to remove the collection from my report as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/2016 XXXX XXXX from XXXX XXXX XXXX XXXX contacted me via phone stating that she could help me with my student loans. ( consolidate them and review my account each year to see if my income has changed drastically and if not then I would not have to make any payments throughout the year. This would be done every year for 10 years and then my loans would be forgiven ). She stated that the total cost was {$750.00} ( {$250.00} for 3 months ) which has been paid in full. I have since come to realize after being contacted by Navient several times regarding my loans being unpaid that they had nothing to do with that agency and I still would need to make payments. They are investigating this matter as well but advised me to report this issue to Consumer Protection which has instructed me to file a claim with FTC Agency. Basically I just gave  {$750.00} away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Experian Information Solutions 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:
I just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with the credit bureaus

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 2021-09-03
Company: EQUIFAX, INC.
State: MA
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:
I, XXXX XXXX identify as the natural person and consumer. My federally protected consumer rights have been violated pursuant to 15 U.S.C 1681 Permissible Purpose of credit reports. The Fair Credit Reporting Act has been put in place to ensure that consumer reporting agencies maintain fair and equitable reporting. The attached letter contains accounts that are not fair and equitable to me as the consumer. I sent the attached letters XX/XX/2021 and I have yet to receive any response from the consumer reporting agencies listed. Please investigate this issue immediately. I am prepared to seek all proper remedies in this matter. 

Pursuant to 15 U.S.C 1681b Any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1 ) In response to the court order of a court having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a Federal grand jury 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave any written consent to report anything on my consumer report, and no court order having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a federal grand jury has been issued. Also, I have not authorized any of these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I traded in an existing Honda lease a year early to get into a new vehicle. Honda Financial told me that I would receive letters in the mail explaining how to create a new account fo the new leased car. I did not receive any email, phone call or mail correspondence. I received a phone call on XX/XX/2021 stating that I was 3 months delinquent on payment. I paid the unpaid payments over the phone that day. 

The representative on the phone with Honda Financial stated that they had an incorrect address in their system. I am in perfect standing with every payment my entire life. Due to Honda Financial 's error, My credit score has dropped by 100 points. I should not be penalised for this mistake. 

Please help, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2019-02-05
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:
all 3 CRA reporting account of public records outdated reporting SINCE 2011, not my account/ never file bankruptcy, incorrect " PACER '' data and violates FCRA provision 605,607,611 and 623a

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 2021-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked this company to send me valid proof of this debt, Section 609 of the FCRA asks for proper documentation for any debts. Ive received nothing providing that this is my debt no contract, signature or permission the original creditors gave consent to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Prince Parker & Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had canceled XXXX  phone/cable/internet and the associate had not completed the transaction. There is record that I had called to cancel and that I switched service providers. I reported the fraudulent charges as they continued to charge me for services without my knowledge. XXXX XXXX reversed the charges and agreed they were considered fraudulent. XXXX then billed me again for the reversed charges. I refused to pay and they sent the bill to collections with Prince Parker. I received a notice from Prince Parker on XX/XX/XXXX via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Conn's, Inc.
State: AZ
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 got an alert today from a credit monitoring service with the following message.
 XX/XX/XXXX  Credit Negative information has been added to your credit report.
Activity Type : Delinquent Account Creditor Name : CONNS CREDIT   XXXX   XXXX   XXXX    XXXX , TX XXXX   XXXX  Industry Type : Home Electronics Sales and Service Amount Delinquent : {$120.00} Payment Status : Late 30 Days Account Number :  XXXX  Creditor Preferred Contact : Other This account was closed and sold to a third party in  XX/XX/XXXX . Conn 's does n't the right to keep reporting to the Credit Bureaus, therefore that 's a violation of the Federal Fair Reporting Act. Conn 's denied that they are reporting anything and blame the third party they sold the account   XXXX   XXXX   XXXX   XXXX    XXXX  When I spoke with this law firm the rep said that they does n't have the ability to report anything to the Credit Bureaus. CONN 'S has violated the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reached out to DRS since I was notified that they were on my credit reporting as a collection. I sent out a letter asking for DRS to Validate this debt. The information that I have received from DRS has been statements showing that this debt has been paid and {$0.00} is owed. This account was paid by insurance and should not be in collection. Please delete this account from my credit report Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, 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, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX TODAYS XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an REinvestigation into XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX  XXXX, XXXX A Inquiry from XX/XX/XXXX National Credit Card Cos. 
Universal Credit Ser Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX   XXXX XXXX  Ban Inquiry from XX/XX/XXXX All Banks XXXX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX XXXX Credit Card Cos. 
XXXX/XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have 2 Accounts that have been paid off and they are showing derogatory on my credit and I will like them deleted for reporting incorrect information, XXXX XXXX XXXX and a XXXX XXXX account I need help in getting this updated or removed from my credit profile

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