BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-26
Company: AFNI INC.
State: CA
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:
I cancelled XXXX service after 2-year commitment period, but XXXX wrongly charged me an " early '' termination fee ( approx. {$85.00} ), which I disputed. 
XXXX and AFNI reported the " debt '' to credit agencies, including XXXX, and has lowered my ( previously ) excellent credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid all my accounts on time. On XX/XX/2020 Synchrony cancelled all my cards which negatively affected my score. All were in good standing. Because, i referred them to the CFPB they proceeded to over charge my Amazon Prime Credit Card stating past due and said they did not apply the payment to my bill because I paid 1 day before the billing cycle, I was going on vacation an paid and had not received my notice. 

When I got my XXXX Bill, admist the Corona Virus, they billed me {$220.00} amidst the crisis and stated on the online notice on the account that if not paid they would report me to the CRA. 

I had to pay {$220.00} usurious charges because they failed to apply a payment I made. They take about 24-48 hours to apply payments. 

This company is totally unethical and is purposely dismissing the orders of the National Emergency set by our President. They also added the Account Secure extra billing w/o my knowlede. All I asked for was for paperless billing and they proceeded to add it and just noticed it since I get online notice for my bills and recently got a late payment notice when I had paid my bill. 

This company should be looked into. They violated my right sunder the FCRA and Truth and lending act. Evidence of on time payments will be sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
e : Public Record on Credit Report Docket # : XXXX Plaintiff : XXXX Balance : {$270000.00} Dear Experian, I am writing to dispute the validity of the above referenced item pursuant to the Fair Credit Reporting Act ( FCRA ). The FCRA requires you to verify the validity of the item within 30 days. If you can not verify the validity of this item within 30 days, the law says you are obligated by law to remove the item. 

If you are able to verify this judgment, let me know whomever provided you with this information and the manner in which it was provided so that I can get to the bottom of this. Hiring a third party to verify this judgment is against the law. Also, do not look up this public record in the XXXX XXXX database or through the Public Access to Court Electronic Records ( PACER ) database. Or by a third party. Verify directly with the court.

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 2016-09-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian is reporting unverified accounts on my credit report. This is in violation of Section 609 of the Fair Credit Reporting Act. which states that all account contracts need to be verified.

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 2015-08-23
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I contacted Experian more than once to inform them that XXXX items on my credit report are no longer associated with me and need to be expunged from my credit file. The items are XXXX loans with XXXX XXXX XXXX XXXX. I co-signed the loans with my wife in XX/XX/XXXX. However, in XX/XX/XXXX, the debt was reaffirmed by my wife per XXXX XXXX, which removed me from any connection to this debt, just as the way a refinance works- the new loan terms replace the original loan terms. What happened was that XXXX XXXX hired a collection attorney to issue a confession of judgment and payment stipulation agreement to my wife. This reaffirmed debt has been in effect for more than 2 years, but XXXX XXXX refuses to report the change to the credit bureaus, and Experian refuses to conduct a proper investigation beyond verifying that I originally co-signed the loans. Attached is the acknowledged payment stipulation agreement from XXXX 's collection attorney that I provided to Experian, and to XXXX XXXX and the other credit bureaus, so that they would take action and remove the XXXX loans from my credit file. Also attached is my correspondence to the credit union and the credit bureaus. XXXX is the only party who responded to my dispute by stating that they deleted the XXXX loans from my credit file. Attached is their response to my dispute with the appropriate results. Please investigate this matter of noncompliance on the part of Experian. I am filing separate complaints for Experian, XXXX, and XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I received XXXX XXXX at the XXXX  by a XXXX  in Alabama. I had XXXX insurances and the final XXXX  from the secondary showed I owed {$0.00}. After speaking with the doctor billing office I was told by phone I didn't owe anything. 
In XX/XX/XXXX XXXX XXXX  XXXX XXXX purchased a large number of accounts from the doctor billing, mine was one of them. Since then they never attempted contact with me to let me know they thought I owed them money. 
In XX/XX/XXXX I received a communication from the collection agency Wakefield saying that they were collecting my debt with XXXX. It took a while to trace it back to that specific XXXX  cause they refused to add any information, but I finally did and got the information above from the doctor billing office. 
Since then I have offered multiple times a copy of the XXXX  showing my {$0.00} balance, but Wakefield says that their client, XXXX, refused that document and claims that my insurance didn't respond to their query. no further information. 
My insurance reached out to Wakefield volunteering any info they need. 
Wakefield is refusing to provide XXXX contact info and just want me to pay. XXXX XXXX is acting in an unlawful way, first not communicating to me ever, then sending me to a collection agency, then refusing documentation that shows the balance and untruthfully claiming to have contacted my insurance ( I asked them and they never received a call, email or mail from them ). Looking up the company there are a whole lot of suspicious things, like the address they registered the company at in XXXX and the fact that the listed 'manager ' hasn't lived at that address since XXXX https : XXXX I believe they have been doing this to multiple people, since they purchased a whole package of accounts just from that one XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Concord Servicing Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that BLACKWELL RECOVERY provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

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 2016-05-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Information on my report is not mine, identity theft, personal information is not mine, accounts that are not mine and have never had, and places i have never lived. Since late XXXX, i have been goring through with this credit agency, i submit a dispute, they then deny me access to the account, i call and they tell me they have fixed the situation. when inn fact that has never happened with experian. once again this happen, today XXXX/XXXX/XXXX. they continue to charge my credit card for services i do not request. then deny me access to the account. i am unable to print a copy of my full report. here is a list of atempts to deal with this service. and there is much more.

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 2017-05-28
Company: EQUIFAX, INC.
State: GA
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 disputed an account for XXXX XXXX XXXX several times now with Equifax and have not had a resolution as of yet. First I must say that the account is not mine and no one has validated this for me if for any reason I do owe on this account. Second this account has been removed several times from my credit report and reinserted without my knowledge which violates the FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also not to mention, I feel that they are also attempting to reage this account by continuing to change the amount owed from {$1100.00} to {$1100.00}, these amount has been changed several times, this violates FCRA Section 605 ( c ).
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The same goes for the 2 accounts for XXXX, one for {$3000.00} and {$500.00}, I have submitted numerous times the court order from the XXXX XXXX XXXX XXXX stating that I only owe {$1100.00} plus {$74.00} but this account remains on my credit report, which violates FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. XXXX XXXX  ). I have also noticed that this account has been removed several times and reinserted without my knowledge which again violates the FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I currently have an open dispute with Equifax and fear that I will still have no resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 
CAINE & WEINER XXXX ***** Balance {$1500.00} - Opened XXXX XXXX XXXX CAINE & WEINER ( XXXX  ) XXXX Balance {$1500.00} - Opened XXXX XXXXXXXX XXXX CAINE & WEINER ( XXXX XXXX ) ***** Balance {$1500.00} - Opened XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account with XXXX XXXX XXXX that is closed. But is no reporting as open on my credit report. This account has been closed for over a year. I 've requested to have the account removed and is now reporting as open all of a sudden. And it says I 've paid 100 % percent of the balance as a charge off. This information is inaccurate and hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-25
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
No authorization given to company to access credit report. Have no previous accounts with this company.

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 2020-03-19
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: Investigation took more than 30 days

Complaint:
Experian claim to be investigating. I have submitted a claim every month since XX/XX/XXXX. Once I found out XXXX was their data furnisher. I have included the letter where XXXX do not have a file for me. I also, reached out to Experian by phone and mail on XX/XX/XXXX to advise them of me filing a police report. Despite them responding as factual they have not provided me with their Method of Verification as of XX/XX/XXXX. I am asking for this information to be removed 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 non-monetary relief
Consumer complaint received 2021-08-27
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX  claim to be investigating. I have submitted a claim every month since XX/XX/XXXX. Once I found out XXXX was their data furnisher. I have included the letter where XXXX do not have a file for me. I also, reached out to XXXX  by phone and mail on XX/XX/XXXX to advise them of me filing a police report. Despite them responding as factual they have not provided me with their Method of Verification as of XX/XX/XXXX. I am asking for this information to be removed 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 2022-03-18
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.

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 2016-07-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Please be advised I had a VOLUNTARY judgement with XXXX in GA Phone number XXXX! Part of the agreement was XXXX agreed not to place the Judgement on my credit report! Months later after it was inserted I called the XXXX County Courthouse where the Judgement was filed and the County Clerk advised me that they do not give the credit bureau any information! Apparently, they went seeking the Judgment not knowing the agreement XXXX and I had! I in turn called XXXX and they did acknowledge that they agreed to not report me! I immediately wrote all three bureaus and advised them to call XXXX at XXXX to verify the agreement! Apparently, Experian did their due diligence and called and verified and removed the Judgement but has recently re-inserted the judgment. I do not know who Experian they verified it with because if it was XXXX they would have advised them it was not to report per our agreement! Please see the tradeline below! 
SMALL CLAIMS JUDGMENT Filing Date XXXX XXXX, 2014 Amount {$3600.00} Reference Number XXXX Court XXXX co magist crt Plaintiff 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 2016-02-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to get my free annual credit report from Experian and basically to do it, I would have to get charged XXXX dollar and get forced into a trial period for a service I do not want. I also looked at XXXX and XXXX XXXX and found the same thing. I am concerned about identity theft, as I had recent unauthorized activity on one of my credit cards, but I have to pay and be forced into a trial of a product or service I do not want to be able to check my credit, even for the first time in a year. I find that not only deceptive and unfair, but bordering upon abuse of the public to force them to buy services or products in order to get a service that is supposed to be free once a year. When I told Experian I wanted a free credit report, they referred me to yet another site that is neither of the XXXX bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.

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 2022-03-18
Company: First National Collection Bureau, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX. First National Collection Bureau sent me at least XXXX emails in one day

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation