BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-18
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To started with, I had mobile phone billing problem with XXXX. First XXXX XXXX was collecting {$280.00} from me. I did not pay, because I did not agree with the amount and they did not answer my simple questions upon my request. Thereafter, XXXX XXXX XXXX XXXX   came to collect {$440.00} from me instead. Once again, I did not pay because they also failed to answer my questions. At last, AmSher sent me a collection letter on XX/XX/2018 to offer a new collecting amount of {$260.00}. I did not pay it but I have one question about the continuation of this collection, whether it was continue from XXXX XXXX  or from XXXX XXXX XXXX XXXX, who's collections were completely different from each other. AmSher did not bother to answer my question, and report the alleged debt of {$440.00} to the Credit Bureau to damage my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Other problem getting your report or credit score

Complaint:
I was supplied with a credit report from TransUnion. The credit score looked very questionable in the mid to high 600 's. The problem is I pay many of my bills in person or certified mail with a traceable money order. When I attempt to apply for credit card refinance, I am receiving offers that are basically loan sharking 32 %. Because of having to pay more in rent, utility bills and rising interest rates, It is prudent to restructure debt into a personal loan. I have been blocked or faced barriers.

I filed a complaint with the attorney General of Pennsylvania and his response is various credit scoring systems. I have also asked the Attorney General of Washington State over the course of 15 years the Physical address of the local credit bureau only to not be given any direct answers.

I have filed court complaints and arbitration complaints over the course of 15 years showing they have used bogus addresses, names, missing information and have not gotten anywhere with this as well. 


I am asking that the local credit bureau in XXXX XXXX County and XXXX County not be allowed to have access to my information or credit reports anymore because of failures over the past 15 years to answer complaints. I have Notarized and Apostille most of my Public Records and they have refused to acknowledge this. 

I tried to mail court documents to the following address : XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Pa., XXXX requesting Transunion be monitored. Certified return receipt XXXX The postal service has tried to return the court documents by placing a white label on the address to be sent to and placed a letter in my mailbox stating nobody will sign for the document. The postal service appears to be aiding and supporting criminal activity by obstructing Justice. 

TransUnion along with the other credit bureaus are being charged with Civil and Human Rights abuses and should not handle anymore records based on it's discrimatory past and present actions.

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 2019-01-30
Company: ProCollect, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive repeatedly told pro collect that this debt was not mine and that it was fraud. I sent over the needed documents to prove my case but they ( pro collect worker ) told me to just pay the outstanding XXXX $ balance anyway to clear it off my credit report. I refuse to pay something I know I do not owe. The landlord remade the contract stating I worked for an XXXX  company and that I did not get out of my lease by using my orders from the military which is false. They also signed my name and put my children information on the false document. 
The debt is from XXXX XXXX The date is XX/XX/2016 They refuse to remove from credit report and tried to force me to pay it even with the evidence showing the bill is in fact fraud. I also filed a police report with XXXX XXXX Pd who did the handwriting analysis who determined that the documents presented with my signature is in fact fraud.

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 2019-08-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I would like to request assistance with an issue I am having with my bank after a car rental company billed me multiple times for the same rental contract ( s ). We had a long term rental and we realized that when we dealt with a particular member of a regional branch we were having billing issues. We have escalated it through the various levels up to corporate level with the car rental agency and their accountants struggle to explain what has taken place. XXXX XXXX XXXX being the most senior, XXXX XXXX XXXX ( area manager ) and  XXXX XXXX XXXX ( regional manager ).  XXXX XXXX promised in an email that the charge for the specific rental period would be returned back in XX/XX/XXXX, something they have yet on which to make good. 

After submitting two challenges to the bank immediately after discovering these billing issues, along with proof, they still failed protected my interests. The car rental agency ( at a location from which we rented in Arizona ) blamed the bank but we used my fiancee 's XXXX  bank account and the same billing issues occurred. 

My bank account was overdrawn by several XXXX dollars and as it has taken so long following the correct procedure, my bank account has been closed. The bank are refusing to take any further action and the most recent call to the bank resulted in the agent saying they might not reopen the account, even if I was to clear the outstanding balance. 

The bank told me that my option now is to take the rental company to court which I said I was already in the process of finding a lawyer to do so, but I have been informed that you maybe able to assist me? 

I need this account reopened as it is attached to a minor savings account and I want to restore my credit rating - I have never had an account closed or even negative before renting from this particular car rental agency. I kept the bank aprised along the way and yet they still failed me. 

I have been in regular contact with the bank, keeping them updated providing them with concrete proof of the multiple erroneous charges. After many years of being a loyal customer, they have let me down when I needed their help. I feel that it would be extremely unfair for my account to remain closed and my credit rating to be effected, due to the bad business practice of the car rental company.

Time is paramount as I am now at the five month point of my account being closed and after the six month point, I understand that the account will remain closed permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
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:
On XX/XX/XXXX I sent letters out to Equifax XXXX and XXXX stating my identity had been compromised. I notated the accounts that needed to be addressed. 
XXXX/XXXX ( 5 ) - acct. XXXX XXXX XXXX- XXXX XXXX XXXX-XXXX/ XXXX Equifax deleted the XXXX/XXXX accounts and in return sent an updated credit report notifying me it was sold to another collection agency which it is still reporting inaccurately on my credit profile damaging my credit. XXXX and XXXX   stated information was updated and verified. 
XX/XX/XXXX I sent letters out again asking for verification but the credit bureaus failed to update unverified information or the method in which they verified information in which they fail to do so. 
I reached out to the companies but have failed to get a single response. I am requesting assistance in the verification of the removal of inaccurate information on my credit report. The Credit Bureaus have failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I moved from an apartment complex by the name of XXXX XXXX XXXX. The housing complex absorbed my deposit which was around {$1400.00} and the debt was written off by the original creditor. I was contacted countless times by National Credit Systems Inc.the collection agency that I have to block them. I was surprised for them to still be able to call me just using another line of sorts. I was informed I could write a letter to have them cease communication with me in regards to the collection. I disputed the collection which in the amount of {$3000.00} with both the collection agency and the credit bureaus ( debt was opened listed XX/XX/XXXX ). I've written multiple dispute letters and none of the agencies can provide validation letters of the debt proving them amount owed or if it's even my debt. The collection agency forwarded me only a copy of a lease with what I assume are supposed to be my initials, but there isn't a clear signature. I keep asking for this debt to be closed and removed off all credit bureaus or renting database so that I can acquire housing, but they refuse stating the debt is valid even though they can not prove the debt and amount is even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony bank closed my Lowes store card which I financed my fence and countertop with. I have always made payments on time. I had signed up for a card protection program for this Lowes card to protect me in case I lost my job. It charged me {$1.00} per {$100.00} I owed on the card. This was added in monthly minimum payments which had been {$99.00} and with an additional {$160.00} added to the min payment for the card protection. So I canceled the card security and expected to go back to {$99.00} a month min payments but the min payment still included the cost of the card security but I decided it did not make sense to still pay since I canceled it well ahead of time. I paid {$99.00} instead. And I was given a late fee. I got the late fee refunded on the grounds I had cancelled the card insurance. But then I was being told I missed a payment and that this was an attempt to collect a debt. I found out when my card was declined while in line shopping at Lowes. I looked at the card yesterday no problem at all. Then the fact that they are treating me as if I made no payment at all and As if I had been passed due for 3 months. The due date was no more than two weeks ago and I paid {$99.00}. I was never late nor had I ever missed a payment. Synchrony bank has reduced the limit on 3 of my other cards and now they have closed my Lowes cards. I was never late or missed a payment other than this one although I think its against my rights not to lower the minimum payment after I canceled the card protection. I feel they are targeting myself and other people in lower middle class as financial profiling. They do not want normal people like myself owning their cards. They unfairly did not correctly reduce the minimum payment which after canceling the card security program should have been done. This is a clear violation of my rights under the fair credit act. They did not reduce the minimum payment and then when I paid what I felt was due they said that I completely missed a payment and then they closed my card, thus impacting my credit score negatively! I know they are also targeting me because my wife is well past due on many of her cards. This is also incredibly discriminatory and I will filing a class action law suit for the numerous violations they have made on my rights as a consumer!

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 2019-01-30
Company: PREFERRED CREDIT 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: Account information incorrect

Complaint:
I applied for a XXXX vaccum cleaner through Preferred Credit they gave me the product and I received 2 letters stating that I was not approved 2-3 days after I received the letter I Called and asked them to pick the vaccum up they never came so now they are reporting this on my credit report still have the vaccum still in the box just want this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been working on several things listed on my credit file that report as duplicates and are past the statue of limitations. TransUnion and XXXX   keep reporting several student loans twice under different companies. There are a total of 9 student loans reporting with XXXX/XXXX XXXX that should have been removed because they were transferred to XXXX XXXX XXXX XXXX. Both companies report the same exact information and XXXX/XXXX XXXX no longer have the accounts. The delinquency months are the same, same open dates everything is the same. They are the same exact accounts however looking at the report they appear to be an extra 9 negative files. When a mortgage company transfers the servicing they remove the initial company and report the account with the servicing company the same with any other company for that matter. If you sign up with someone and they don't hold the loans they don't have the information because the new company has all 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 2021-03-30
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I have requested an investigation into a Bankruptcy on my credit report under my Social Security Number with Experian, which they have only reported on the investigation as accurate without any further information in XX/XX/2020. I have subsequently written to them requesting to provide detailed information on the source of the report, and their method of investigation as per my FCRA rights, which they have once again refused and have claimed the information was obtained from bulk information purchased. 
Then I provided them with a hard copy of the California Bankruptcy Court response to me on XX/XX/2020 verifying they DO NOT provide Experian and other credit agencies with any Bankruptcy report nor the verify any investigation, and yet they have ignored the court response and have not responded in last 4 months.

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 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I'm reaching out because I got a copy of my credit report and saw so many inquiries that are not mine. I dont know who is trying to run my credit. Can someone please have these inquiries removed from credit report. XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2019-01-30
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX. When i received notification from the credit bureaus that a negative account had been posted to my account. 

I explained the process that lead up to my cancelling my account with XXXX  XXXX XXXX and me receive errounoues and incorrect bills. I informed them of my contact with an XXXX XXXX XXXX agent explaining my confusion and dispute on the bills that were sent. As you can also see, the amount of the bills increased significantly, which totally confused me. The agent advised me to not do anything until i received updated information on the account and updated amount that I owed, if anything. That was in XX/XX/XXXX. I never received additional information on the account. I am assuming it was because I was not an active customer. So while I am waiting on information from XXXX XXXX XXXX, apparently my account was passed to a collection agency who reported my account as in collection, while I was in dispute and awaiting correspondency and validation from XXXX XXXX XXXX. I had no choice but to pay this amount today to DCI, the collection agency, because my daughter is trying to get into college with our parent plus and I am battling XXXX, so I didn't have many option. I am please asking you request XXXX XXXX XXXX and Diversied Collection Agents to remove this item from my credit report as I was not given the opportunity or correct information to dispute it. It was incorrectly reported. As you review the order/dates I received the following documents, you can see how confused and upset I was. I made the correct attempts to the company in the required amount of time to dispute the amounts. Reporting this as a collection account as an attempt to hurt me and my family was wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: BARCLAYS BANK DELAWARE
State: NV
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 document proves that barclays bank was removed.

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 2020-06-25
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX while in College, was approved for a Discover Credit card, Joint with his father, XXXX XXXX, XXXX Due to financial situation, loss of his father job. XXXX XXXX and wife XXXX XXXX, filed for chapter XXXX Bankruptcy on XX/XX/XXXX. During the XXXX hearing for creditors, did not show up to dispute this debts being our bankruptcy petition. On XX/XX/XXXX we received a discharge for this debt. After our discharge, Discover Credit Service, transferred the {$1000.00} final balance to XXXX XXXX XXXX credit report, to continue to punish his for a debt, already written off from Discover Credit Card Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently reviewed my XXXX, XXXX, and XXXX  credit reports and noticed a collections entry from this company. This is inaccurate, as I do not have a contract with this company. 

In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that " one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. '' Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

I wrote the company requesting validation, but the creditor 's attempt of validation is not valid. This company sent me a copy of a lease, but the company 's name was nowhere on the original contract. 

With NO VALID CONTRACT, this company has no right to place any information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: TD BANK US HOLDING COMPANY
State: WA
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/2019 I received notification that I applied for a XXXX Credit Card Application number XXXX. I did not authorize nor did I apply for a credit card at anytime with XXXX XXXX or XXXX XXXX  XXXX. This fraudulent activity has impacted my credit score and produced a Hard inquiry on my credit report. I rarely shop at XXXX and never authorized the company to share my personal information or initiate any credit granting on my behalf. This act is clear credit card fraud and identity theft. XXXX   erroneously and egregiously attempted to utilize my information.

Company response to consumer: Closed with non-monetary relief