BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-07
Company: ACS Education Services
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The major credit bureaus such as XXXX, XXXX and XXXX XXXX have an obligation to the public for honesty, that mandated through the Fair Credit Reporting Act. The credit reporting agencies have a strict subscriber agreement to those companies, banks, credit card companies and collection agencies to abide by the laws of the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act, and the Fair Debt Collection Practices Act. However, debt collectors for student loans break the law continuously. Take ACS EDUCATION SERVICES for one. This agency has never shown proof that they were ever granted collection rights from a securitized trust where all of my student loans were owned. However, upon obtaining my student loan information, I never made one payment to this agency as my loans were always in deferment while I finished school. However, this agency, upon obtaining my information without a right to report it without servicing rights or ownership rights, and this same agency took my information and posted immediate 90-day late payments across the board on at least six separate accounts. This abusive practice by student loan collection agencies is abusive, and I have been the victim of an agency that in my belief had no rights to servicing or ownership. Accordingly, this agency has violated my rights under FCRA and the subscriber agreement they signed with all pertinent credit reporting agencies. These accounts must be deleted and my files purged along with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I mailed the annual credit report request form to the address provided. The form clearly had my Name, address ( the same mailing address since 2015 ), social security number, and date of birth written on the form. XXXX, equifax, and XXXX  refuse to send my free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: MD
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 called the 3 credit Bureaus after I purchased a credit report with smartcredit. After receiving a copy ofmy report, I saw these UNVERIFIABLE accounts on my personal profile. I sent a letter to the 3 credit bureaus last XX/XX/2022 and its over 30 days after I sent the letter. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Hoping that these listed accounts Late payments will be removed. 
XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$11000.00}

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 2019-01-15
Company: Nathan & Nathan, P.C.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Got a notice in the mail from Nathan and Nathan P.C. regarding XXXX for the amount of {$6500.00} during this time I had became XXXX  and the debt had XXXX  insurance I do not owe this bill and Nathan and Nathan is trying to collect on a debt that is more than 10 years old. The statue of limitations for the state of MS is 3 years this is going into the 9th or 10 year. Company is breaking the law. I have not heard anything regarding this in nearly 10 years I am XXXX and unemployed. I have not worked in nearly 10 years. This is like prying on the XXXX  because they know I am not working and I do not owe this debt why after nearly 10 years they trying to collect on a bill that the statue of limitation for the state of MS is 3 years this is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: Financial Credit Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a test ordered for XXXX. The doctor did not sign the order until the insurance company OK 'd the order. I told XXXX that I would not allow the test until I was assured the insurance would pay. XXXX assured my doctor and myself the insurance would pay. 2 months after the test, I got a reject from my insurance company and XXXX wanted to bill me {$780.00} for the test! I told them I was not going to pay for it because they stated that the insurance OK 'd the bill Also the collection company does not have a valid VA SCC number so they can not do business in VA! They are breaking Virginia Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: CCS Financial Services, Inc.
State: MA
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/2021 I discovered a company named Credit Collection Services claiming I owed them money for a medical debt listed as a negative account on my credit reports ( all three bureaus ). I do not know this company. I sent them a 93A Demand notice requesting validation of debt and informing them in the state of MA it is not legal for a debt collector to place their name on a consumer report ( laws include : 209 CMR 18.18 : Unfair Practices and 940 CMR 7.07 : Deceptive Acts ). I requested immediate validation and removal from my report. 
Credit Collection Services failed to reply to me with any validation or correspondence but they did remove their listing from my XXXX Report and XXXX Report. They continued to report to XXXX. 
XX/XX/2021 I sent them a 2nd 93A Demand Notice again requesting validation of their claim and reminding them of Mass laws. 
They failed to reply or take any actions. They continue to list their account illegally to XXXX. 
XX/XX/2021 I sent them a 3rd notice informing them complaints would be filed with the authorities for fraud and violations of the FCRA and FDCPA. They again failed to reply and continue to report to XXXX harming my credit and making fraudulent claims.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (  an original Consumer Contract with my Signature on it ) you have on file for the account in question. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account in question. The unverified account listed remains on my credit report in violation of Federal Law. You are 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. In the results of your first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply.

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 2022-12-17
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
When logging into Equifax 's web site there is no way to dispute, 1. Accounts that are to old to be reported. 2. they are improperly reporting account history. 3. There is no access to dispute forms to disputer any of the above. 4 There is no way to print your credit report from online. When I called to ask how to get a disputer form I was told they are no longer provided them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have no problem with our ability to pay our mortgage and had everything set up for recurring, automatic payments. 

Suntrust recently took over our mortgage- the fourth transfer in about 6 months. So we had to set up everything all over again. There were many hiccups in the beginning and we got communications from them explaining that they were also merging with another bank and they took responsibility for the problem. 

Now they continue to have problems, they gave us no phone call, no email, no letter indicating any trouble until we suddenly got a letter indicating our loan is in default. 

We had to wait for an hour on the phone after being knocked out of the call twice when the system seems to have randomly kicked us out. We have finally been able to make the payment but they still did not set up the recurring payment. We are now waiting on the phone for a fourth department as they try to find someone to help do that. 

We did not choose this company, we would never choose this company. Why is mortgage transfer allowed without minimum commitment?

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 2021-11-08
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Call from XXXX XXXX Claiming they Credit Collector Agency. 
On XX/XX/2021 at approximately XXXX XXXX a call came in from XXXX, asking to verify my address and DOB ( gave it up, unfortunately ) and claiming debt is owed to XXXX XXXX from XX/XX/2021 for the amount of {$79.00}. 
They threatened to report bad credit to credit holders. 

I had my spouse speak on behalf of me because I was not aware of any debts. We decided to take their information for a call back after confirming the claim of dept through XXXX XXXX. 
We called XXXX and confirmed there is no outstanding debt. There are no existing files on their system.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX and XXXX inquiry has report defamatory information about me to the 2 credit Bureaus on XXXXXXXX XXXX. I am challenging the incorrect information with XXXXXXXX XXXX and XXXX inquiry on my credit report is fraud. Where Experian clearly violated the law. Experian put on my credit report an account number that is not my and the balance is false. XXXXl monthly payment of the account that is completely false and incorrect. The account is false, the date and the amount. I am a victim of identity theft. XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX, Experian and XXXX decided to ignore my demands for Validation. Validation of the debt XXXX and XX/XX/2021. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX  account and the inquiry with XXXX violation of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove account 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
Consumer complaint received 2022-01-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report.

These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately.

The accounts to removed are as follows : US DEPT OF EDUCATION US DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed ERC ( Enhanced Recovery Company LLC ) a letter on XX/XX/XXXX2021 addressing a debt they claim I owe to XXXX XXXX XXXX XXXX in the amount of {$340.00} in response to a letter they sent me on XX/XX/XXXX2021 stating that since I am disputing the validity, my account will be in hold status for now and collections efforts have cease. I still asked them to validate that debt within 30 days. I sent the letter certified, so I am aware they received it on XXXX/XXXX/21. Today is now XX/XX/XXXX, and I have not gotten a reply back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Fact I the affiant is aware and I have proof that Equifax has and continued to violate my consumer privacy Rights. I the affiant observed 11 Violations on my consumer credit report. Equifax is and continues to be in violation of 15 U.S code 168b ( 2 ) 15 U.S Code 1681a ( q ) ( 3 ) 15 U.S Code 1692 ( a ) 15 U.S Code 1692 15 U.S Code 1692g ( c ) Even After Being Informed Numerous Times that information was incorrect and should not be on there. I Have been Injured Numerous times from Equifax Gross Negligent and Willful Behavior These Injuries Include, And are not limited to being denied of credit, my Reputation has been Ruined, Loss Of business income, XXXX, XXXX XXXX the following accounts need to be removed from my credit report and stop the illegal activity I have never gave written instructions to Equifax to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX my information was also stolen in the Equifax Data Breach Equifax Needs To Make This Right And Remove These Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian is still reporting accounts that have been requested by the debt collection agencies to be removed. Experian refuses to delete this information or stating my disputes are duplicates. I have uploaded the actual documents from the collection agencies that shows they have requested Experian to delete the accounts from my credit report but Experian continues to report these accounts anyways.

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 2021-11-08
Company: ACIMA CREDIT, LLC
State: TN
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:
On XX/XX/XXXX I sent a letter to XXXX to ask that they verify a collection on my credit report that I am not familiar with. The account was with ACIMA Credit FKA XXXX .... XXXX said that the account was verified. Now I am asking that they provide proof of how this account was verified. I am writing XXXX another letter and also a letter to ACIMA to verify and validate this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: IL
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:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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: Information belongs to someone else

Complaint:
I have many times disputed two accounts and requested proof of debt. 

I have requested proof of debt from EQUIFAX and from creditors and neither can supply anything. 

EQUIFAX only send letters of confirmation. 

The disputed accounts are : XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Since XX/XX/2018, XXXX XXXX has been charging both our credit cards from Barclays and XXXX XXXX. However, we never used our credit cards at our local XXXX store but if any, we used cash or our XXXX debit card. There have been unauthorized charges going on for over a year which we only caught recently as they were small purchase amounts. However, this kept occurring even with cards reported as lost. Even with the new numbers XXXX was able to charge us. One charge occurred miles away from where I was sitting at dinner with friends and in possession of the card. At first, Barclays and XXXX XXXX did investigate and determine that those were fraudulent charges but since then they claim since it was used with chip cards, those charges must have been legitimate and basically tell us, the customer, that we are lying. 
We are outraged since theres no protection against the fraud and wrongful accusations.

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 2019-06-27
Company: The Outsource Group, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Medicredit, Inc. of XXXX XXXX, MO XXXX XXXX recently ( in this month ) reported to the credit bureaux that we had not paid two amounts : {$130.00} and {$1100.00}. We have no knowledge of these billings which are alleged to have occurred in XXXX of 2016 ( more than 3 years ago ). We sent a certified letter to Medicredit requesting documentation and substantiation of the alleged billings but received only a form letter that the company had " determined that the balance on the account is accurate and is ( our ) responsibility. '' It is difficult to say how they would have determined this without contacting us or providing substantiation. They have negatively impacted our credit scores and we feel we can not move forward with a home purchase because it will be priced at a higher rate than is justified by our actual credit history. Previously, we have written to XXXX XXXX four times, including the last time to the Chief Financial Officer of the Company. Neither he nor they ever responded.

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