BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-21
Company: AmeriCollect
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, The reason for my dispute is AMERICOLLECT # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AMERICOLLECT failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.  Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS AMERICOLLECT failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AMERICOLLECT is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where AMERICOLLECT is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AMERICOLLECT has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: C.Tech Collections, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Beginning of XXXX I received a letter regarding a medical debt. I only was provided with the amount and account number, no service date. I called an the creditor stated that the debt was owed. I asked for clarification since the doctors office stated that insurance information was provided. I also informed them that by law a XXXX recipient was not liable for medical debt, therefore the collection efforts are to resolved by the debtor and insurance. Mid XXXX I received another notice regarding the same debt. again no date of service or clarification. Called the creditor to explain that this is illegal and to stop sending notices. Creditor rep became nasty and I terminated the conversation with a goodbye.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit report and saw their was a collection under my credit report under Amerifinacial Solutions for the client named XXXX XXXX XXXX PA for {$140.00} reported on XX/XX/2019. I do not know of any XX/XX/XXXX nor have I ever received any bill or notice from this collection company that shows proper verification that I owe this bill. Under the FCRA the debt collector is required to send me a notice of collection and give me 30 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt.

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 of the accounts listed below. 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 with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Abra
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
The Abra cryptocurrency app held a XXXX podcast event on XXXX XXXX  XXXX. All participants who submitted their Abra Wallet ID into the chat box were promised a XXXX bonus payout. I was one of the first 20 participants to do this. It is now XX/XX/XXXX and I still have NOT received anything. I even submitted screenshots to prove my participation which clearly shows my XXXX username and Abra Wallet ID. I have contacted Abra support only for them to keep telling me to wait. I have been waiting long enough and I am tired of waiting. It seems like Abra is stalling because they do not want to honor the payout.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
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: Their investigation did not fix an error on your report

Complaint:
My identity has been compromised or stolen. I filed a police report and notified Experian, XXXX and XXXX XXXX. I feel that they are not taking the matter very seriously at all.

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 2023-02-24
Company: ACIMA CREDIT, LLC
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:
XXXX XXXX XXXX  {$610.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX No action was taking by neither company I despised milyiple times staying fraudulent account and address not made by me need to get this off my credit at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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:
Date XXXX XXXX Name 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 Re : Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for 8 years and I have never lived in these addresses reported on my FICO report. Also the my name isnt corrected as well my name is XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following ( 8 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 641.1 Duties of users of consumer reports regarding address discrepancies. The following addresses listed below : 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 XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

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 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 don't recognize this accounts, i never applied for it, i don't have any contract with this companies. I was victim of Identity Theft, somebody used my personal information and applied for cards and loans on my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home, in XXXX XXXX, CA, on XX/XX/XXXX, with a loan from XXXX XXXX XXXX XXXX. My monthly mortgage payment ( including Insurance and property taxes ) was a little over {$2600.00}. I was informed that XXXX XXXX had taken over the mortgage and that their Mortgage Administrators would be XXXX XXXX XXXX XXXX XXXX. After 6 months of paying the mortgage I was contacted by XXXX and was told that I would be able to re-finance with them and would be able to lower my monthly payments ( lower interest rate ) and would cost me nothing as there would be no costs involved. Being somewhat skeptical, I asked what was in this for XXXX? and was told that I had likely been inundated with offers to re-finance with other companies because the 6 months was up and it showed a good payment history. That was correct ; I had been inundated with these offers. I was told by the Rep from XXXX that basically what was in it for XXXX was that they would be retaining me as a customer, and that is the reason why they would be able to lower the interest rate and therefore the overall mortgage. I re-financed with XXXX and my monthly loan amount was reduced to a little over {$2200.00} a month. XXXX, then transferred my loan to Loan Care, LLC and I started paying them my monthly mortgage on XX/XX/XXXX. In XX/XX/XXXX, Loan Care informed me that there wasnt enough money in the Escrow account to pay the PMI, insurance and taxes and that my mortgage would need to increase by {$400.00} a month to {$2600.00} as of XX/XX/XXXX. This confused me as, I remembered that there was over {$4000.00} in the Escrow account when I refinanced through XXXX and when I asked what would happen to that money I was told it would roll-over to the Escrow for the new Mortgage. Clearly this did not happen. On XX/XX/XXXX, I received a check from XXXX for {$290.00} and was told in the letter that this was the remainder left after the mortgage was paid off. This confused me even more. I called Loan Care, LLC and asked about the increase to the mortgage and was informed that the reason it increased was because property taxes had gone up in XXXX County. I called the XXXX County Assessors Office and they said my taxes had only gone up by less than 2 % ( {$100.00} approximately for the year ). Again this did not make sense. I feel like have been a victim of some elaborate mortgage transfer scheme whereby I have been conned into believing that my mortgage would be reduced through interest % reduction, only to have the payments upped after the mortgage was transferred to another company. This, to me, is totally unacceptable and unethical, and I would like you to investigate this matter on my behalf, if possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: SC
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX  XXXX Balance : {$150.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX  XXXX Balance : {$150.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2018-06-01
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: Old information reappears or never goes away

Complaint:
Over the past year and a half I have been trying to correct an erroneous account on my credit report. The account XXXX XXXX is old dating last activity to XX/XX/2011.Every time I attempt to get these 3 bureaus to remove it because the amounts, the status 's and the dates of last activity are all inaccurate and unverified to me after 30 plus days after each of my disputes the deny me and ignore my pleas. Instead of properly and lawfully deleting this account they are constantly changing dates around, statue 's of the account and changing the personal statements noted to the account. I don't understand what sort of investigation they are doing, who and which company they are verifying information with but it is extremely frustrating and damaging to my credit. They are not updating me on the descriptions and procedures taken to verify that it is old. Please enforce the law and have XXXX, XXXX and Experian follow FCRA laws and guidelines so that I am no longer personally affected by misinformation or inaccuracies.

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 2022-09-08
Company: TOPA EQUITIES
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My loan is almost paid off, I only have one payment left which was deferred during the pandemic. During the time Ive had my loan, it appears the company is pyramiding my late fees. They are charging me additional late fees when I pay only my principal and interest and not the late fees assessed. This has made it more difficult to pay my loan off in a timely manner. They have consistently threatened me with repossessing the vehicle when I am not more than 30 days late and only owing late fees not principal and interest. The acts of this company are unfair and deceptive as they do not disclose all the fees up front, and are never clear on what is actually owed. In addition, they are charging a daily interest that was not disclosed in my contract. They have also sent me other customers personal information in error. When I made them aware of this, they said its not a big deal, just delete it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: BARCLAYS BANK DELAWARE
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:
Barclays continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score.
THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE.
This is an ABUSE of the credit reporting system and is done in retaliation by Barclays to attack customers holding balances on their account.
My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY BARCLAYS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
heftyHi, I been trying to work a settlement payoff with Midland Credit Management for the pass month and a half now. As I 'm writing this complaint, I 've been on hold for 1hr,25mins now, without anyone coming back to the line to follow up with me at all. Not sure what the policies, and procedures are, but what ever it is, Its not working well. 
However, I 've been wanting to work with MCM on an amount of XXXX which was offered to me at the end of XX/XX/XXXX to close out the XXXX account I have in their office. 
My first contact with MCM, I advised them that I have a very limited amt to work with, to be exact I had amt of XXXX, due to lack of income. I 've contacted them few more times after that, but no one seem to be willing, and understand my situation, not that I expect them too. I just would like to be treated fairly, I 'm sure they do n't place all their client on hold without a follow up for over an 1hr now. I wish someone would just come back on the line so I can settle this matter. 
I hope the way there are treating me at this time will not go unnoticed, the way they are conducting their business is ridiculous, its unheard of, I 'm surprised their doors are still open. 

I just wish someone would come back on the line, considering they close in 8mins ( XXXX EST ) that 's how long I 've been on hold without a follow up, WOW! Amazing! 

I hope CFPB, can retrieve the phone calls I 've made to them, so you can hear my willingness to work with them, and MCM, Not so much. 

I even had a rep question my intentions for wanting to settle the matter. 

So I 've been on hold now for a total of 1:28min Guess this matter will not get resolved tonight for lack of willingness on MCM 's side. 
Thanks MCM for wasting 1:35min of my life! 

I sure I 'm not the only one that has some thing nice to say about MCM ... 

I hope MCM will be fine a hefty amount for this unfair treatment!

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Thank you for taking the time out to address this matter! 

This account is effecting my ability to obtain credit!! 

This account is reporting inaccurate information!! With several so violations!! 

This is a paid judgement!!! Which was promised to come off my consumer reports once paid!!! 

Credit bureaus have not kept their Promise please REMOVE account as soon as possible!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TrueAccord Corp.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In the past three weeks I have been receiving e-mails about a credit card debt I had owed for a credit card that was not applied. The debt was for XXXX on a XXXX XXXX XXXX credit card that had not been issued. XXXX XXXX had been aggressively E-mailing me about this debt with a threat to negatively effect my credit score and sue if I didnt reply. I had contacted the company TrueAccord who had been issued the debt as a third party accreditation. They wanted more personal and federal information about myself and would not let me discuss my dispute or talk to a manager or administrator in charge. They agreed to remove me from the mailing list.

Company response to consumer: Closed with explanation