BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX wireless illegally tacked on late fees to my phone bill even though I paid for the usage on time, every time. The original late fee occurred because XXXX 's website was not operating properly when I made a payment. From that point on, XXXX tacked on an additional late fee every month because I refused to pay the original late fee due to their website glitch. The total amount in late fees is {$110.00}. XXXX sold this alleged debt to XXXX XXXX XXXX. I have filed numerous disputes with the credit reporting agencies only to be told that XXXX XXXX XXXX says that I owe this money. The credit reporting agencies have no paper work or XXXX billing from XXXX showing that this is a legitimate and legal collection. They are simply taking XXXX 's word that this money is supposedly owed. This {$110.00} in late fees is not owed. I paid for the services used on time and will not pay these false late fees. This is extortion. In contacting XXXX, I get a big run around, and, ultimately, they will not remove this false collection from my credit report. Since when do collection agencies tell the credit reporting agencies how to manage credit reports? This first complaint is against TransUnion. Attached please find copies of the bills in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: GreenPath, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
applied for credit card from total rewards credit limit was only for {$1500.00}. paid back loan at the tell end of loan only owed {$200.00} dollars paid back put account into debt collections management program because I thought that I owed more come to find out .the debt program and credit card company have me paying additional {$1500.00} which I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Community Health Investment Company, LLC.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the debt collection agency to ask for verification of the debt and they refused, stating that if my dispute was that I had already paid in full that was not a reason to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: ACIMA CREDIT, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Evaluate this reporting by making a revision of the information provided, The XXXX Credit Bureau is reporting current status to be Bad debt/Collection Please re-investigate this account and change the status to Paid or simply " Remove '' the account. The Bureau statuses are damaging to my report, which would not be happening if they investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Nathan & Nathan, P.C.
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
They took an illegal action. After agreeing to pay a monthly payment of {$100.00} per month. They withdraw {$500.00} during the second month even though I paid on time. is this a violation to the fair debt collection act or the Electronic Fund Transferred Act? XXXX however my bank did refund the charges. I am now afraid to deal with this law firm.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an amount of {$430.00} that went into collections for a cleaning fee that I was not aware of after moving out of an apartment. I paid the debt, but am still facing the consequences on my credit report.

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 2015-09-28
Company: Optio Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This collection company was a group of men that I feel threating behind their calls. XXXX XXXX who represented himself as a manager for the company Qualia Collection agency laughed at me. Used a very threatening tone with me and told me that my mom was going to be charged in the state of Texas unless the debt was paid. I am in tears and shaking after speaking with them and I am in fear that these men even have my information. I ca n't believe that this is acceptable to collect a debt and never have I ended up in tears and felt badgered for someone simply trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A medical collection is showing on my credit report. I called the company to pay the collection and they said it was paid XXXX years ago. It is still showing on my report and is a negative account, essentially hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I know you guys have heard plenty about this but I just wanted to share that Discover has stolen {$450.00} from me since 2011 because of their payment protection service. I never signed up for such service but they have been charging me every month for years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived at the XXXX XXXX XXXX XXXX address listed on my report. I was a victim of attempted fraud by a person using my name and SS number there. Luckily I was contacted by the merchant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-02
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
i have been a valuable member and have used and paid the card only to receive a XXXX increase in my limit. I think this is ridiculous and i would use the card alot more and pay it off more if the limit was increased. When i opened the account the lady told me that i could probably request a XXXX limit within about 3 months but yet i am at XXXX. My credit report shows i pay all my bills, no matter how many there are, they are paid. I have no collections, i have no past due balances and i am not near my limit on anything

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Acquired Assets, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
my credit report have an account close with pending balance of {$630.00} from Allen Asoc. i do n't what is this. was reported as public record and is affecting negatively my fico score.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: DISCOVER BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I open a discover online saving account on XXXX ,2015 using the code " XXXX '' which will give me {$100.00} bonus within 1 month After I open a new saving account and deposit {$5000.00} before XXXX/XXXX/2015. I 've met all the requirement by XXXX/XXXX/2015 and wait for XXXX fully month but tthe bank customer service just want me wait another 4 week and they are still not sure whether I can get the bonus or not. I have already save the whole website during application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-13
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I 've never lived in New York. This is not me, I 've always lived in South Carolina.

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 2016-02-06
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello this company has for the past 7 years put something on my credit that i tried so hard to show them that is not mine and have encountered nothing from them but lies and and manipulation of the system the 7 years have passed and it was removed off my credit but today i received a notification that they placed it back on my credit file with XXXX in direct violation of the fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: IQOR US INC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A Debt Collection Notice was sent to The head offlce of the company I work for by Allied Interstate LLC. 
The head office of my company is not even in the country I live. 
The Debt is for an XXXX account. The amount is $ XXXXXXXXI have never used XXXX or even created an account, so I am positive this debt does not belong to me. This seems to be a Phishing scam by Allied Interstate LLC. Their company history seems to indicate that must be the case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX from XXXX called and threatened to have sheriff come and arrest and send me to court. Left voicemail. And called several times. Very rude and threatening

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

*XXXX XXXX XXXX XXXXCCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX Has violated my rights. 

*XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX Has violated my rights. 

*XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Adler Wallach & Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX XXXX XXXX a balance of {$19.00} which was a " final bill '' sent to me and due on XXXX/XXXX/2014. Before moving from our residence, THIS BILL WAS PAID IN FULL ON XXXX/XXXX/2014, and closed. 

XXXX XXXX XXXX has sent my acct to a collection agency ( AWA collections ) showing an inaccurate balance owed of {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A dispute with XXXX XXXX XXXX was made regarding derogatory information reported. 
CFPF File Number XXXX resulted in XXXX issuing a letter dated XXXX XXXX, 2016 wherein they stated that XXXX removed the trade line from all credit report effective XXXX XXXX, 2016. 

The derogatory information is still being reflected by TransUnion. I visited the US Office of Personnel Management account I have and found that as of XXXX XXXX, 2016 the derogatory information is still reported by TransUnion. This is negatively impacting the mortgage rates I am currently being quoted.

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 2016-08-10
Company: IQOR US INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Allied Interstate LLC continues to relentlessly call and harass me and my friends with verbal violence and abusive treatments. This includes manipulation attempts to garner private, secure information about our identity, but at the same time refusing to properly identify themselves and who they are. In addition, they allege unauthorized student loan amounts owed to them that seem to change with each subsequent phone call. 
In addition, despite us having told them that they have the wrong number and despite having requested for this company to cease their calling and harrassment, Allied Interstate LLC refused to stop. In addition, the callers make up lies and attempt to gaslight unsuspecting individual consumers into giving out their credit card information over the phone, without really knowing who this company is. This company has already been in trouble with the Federal Trace Commission and has been involved in a XXXX $ XXXX lawsuit with the FTC. So there 's that.

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 2016-10-30
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
ACS changed my Lender without letting me know or giving me the option to switch to someone else, which I 'm not happy about. Also, they stopped having me pay a monthly amount, which is super sneaky. Since I 'm not be billed to pay monthly, which I prefer, they skip over MANY months, causing me to accrue LOTS of interest.Let your borrows be aware that if they do n't make a monthly payment that interest will be accrued instead of making it look like the are " current '' in their payment! I have to be vidulent to make sure I send myself a personal reminder to pay monthly, so I 'm not adding all this interest to my account even though it may say I 'm " current ''. That is a sneaky and dirty way to make money off people. Absolutely disgusted!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I previously filed a complaint against Med Data for reporting a collection account on my credit report without first giving me a notice of my right to dispute. The complaint # was XXXX. They responded to it, but with someone else 's 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 2016-01-27
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recently closed my comcast account and paid all the statement balance. 
And now just realized there is a debt collection place on my credit, i have never received any bill from comcast showing that i owed them the amount the debt collectors placed on my credit.Never received any statements from comcast nor the debt collecting agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: LYON SERVICES CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Lyon Financial has approved me for a pool loan. However they refuse to follow AZ statute : AZ Rev Stat XXXX. The statute states that the pool contract must have payment provisions outlined in the pool that follow a specific payment schedule. Lyon Financial refuses to follow the payment schedule as required by AZ statute. Lyon Financial states that they do not have to follow the statute because the do no " specialize '' in pool loans. They also state that because the loan is a Unsecured Loan that the state of AZ does not regulate the loan. Lyon Financial is stating that they will not release funds to the pool contractor until pool build is complete. 


XXXX. Swimming pool ; spa ; construction contractsA. In addition to the requirements of section XXXX, a licensed contractor who enters into a contract for the construction or installation of a residential in-ground swimming pool or spa with a purchaser who resides in the residence or who intends to reside in the residence after the completion of the contract shall include at least the following provisions:1. A provision providing the purchaser the opportunity to request standard contractor 's payment and performance bonds in a form approved by the registrar, securing the completion of the work and payment for services and materials. The cost of the payment and performance bond shall be paid by the purchaser of the swimming pool or spa and the contractor shall not charge a surcharge or a service charge. 

2. The following payment provisions : XXXX a ) A down payment payable on the execution of the contract of not more than XXXX XXXX dollars. 

XXXX b ) After the completion of the excavation work on the swimming pool or spa, a payment of not more than thirty per cent of the amount of the original contract price plus any written change orders approved by the purchaser. 

XXXX c ) After the installation of steel, plumbing and pneumatically applied concrete materials or the installation of a prefabricated swimming pool or spa, a payment of not more than thirty per cent of the amount of the original contract price plus any written change orders approved by the purchaser. 

( d ) After the installation of decking materials, a payment of not more than thirty per cent of the amount of the original contract price plus any written change orders approved by the purchaser. 

XXXX e XXXX Before the application of the finishing interior materials or completion of all work on a prefabricated pool or spa, payment of all remaining sums due on the original contract plus any written change orders approved by the purchaser.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation