BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian credit reporting agency is reporting a Chapter XXXX bankruptcy which does not belong to me. I sent a letter to the US Bankruptcy court in XXXX inquiring about the bankruptcy and they replied with a letter telling me that they do not report ANY INFORMATION to the credit bureaus. The court advised me that the credit bureau obtained this information independently. A copy of this letter from the bankruptcy clerk is attached. I sent a letter to Experian requesting they delete this inaccurate bankruptcy information and they refuse to delete it. They claim the information was obtained from XXXX XXXX. I contacted XXXX XXXX, who informed me that had put a security freeze on my data file because my information may have been used fraudulently. I have also attached a copy of the letter from XXXX XXXX. Experian credit reporting agency is also reporting an account from XXXX XXXX. I have written several letters to XXXX XXXX at the address listed on the credit report and those letters were returned to me " undeliverable ''. I sent this information to Experian and they refuse to delete the inaccurate account from my credit report. According to the Fair Credit Reporting act, ALL INACCURATE UNVERIFIABLE INFORMATION SHOULD BE DELETED FROM CREDIT REPORTS. Experian has simply ignored my request. I have uploaded/attached all copies of letters and documentation to support the above.

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 2021-10-17
Company: ARC Management Group, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notification about a file placed on my credit without written notification from ARC MANAGEMENT GROUP. I am not aware who are what this debt is. ARC MANAGEMENT GROUP HAVE 7 days to furnish such contract between myself and them and they must stop all reporting on my credit file. I will file a lawsuit against such company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: GA
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 and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Convergent outsourcing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX has been sending me collection notices of XXXX the collection is being reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on 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 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The credit bureaus are illegally reporting inaccurate information 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 2021-10-17
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For the past several years I have monitored my credit. I have paid off most debt and have NOT use for credit for any reasons items have been removed because they were my medical records inquiries have been removed because of fraud. I have gone back and forth with EXPERIAN XXXX AND XXXX with little to no help. My reports dont update accurately items are not being removed. I have told each agency those inquiries arent mine. My scores arent being scored properly I am owed at least XXXX  points on each 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 non-monetary relief
Consumer complaint received 2021-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
From XX/XX/2021 thru to XX/XX/2021 Transunion has manipulated my credit report. Now, it appears that Transunion have inserted an unknown erroneous COLLECTION account by XXXX XXXX XXXX XXXX with an original creditor as " XXXX XXXX '' to my credit profile and refuses to remove this damaging information. As previously stated this account is not mine and does not belong to me. It seems as XXXX XXXX XXXX XXXX  have not reported on this account since XX/XX/2021, more than five ( 5 ) months ago XXXX XXXX third party credit report included. Transunion hurts and damage consumers daily. These treacherous, malicious acts must stop.

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 2021-10-17
Company: Atlanticus Services Corporation
State: IN
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 paid off my account over a year ago. The company fortiva called me to say I still own them money, after their internal investigation, they decided I do not own them a dime. But yet they keep calling. 

So late month in XXXX, one of their reps said i still own {$1.00} for membership. I told me I was not aware that i was a member since my credit appication was from XXXX XXXX XXXX. To avoid the harrasment of calls, I paid the {$1.00} via my bank account. 

I pull my credit report today and they report me as late, which I was never late, my business with them was complete as off XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
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: Account status incorrect

Complaint:
XXXX fraudulently reported several accounts on my credit reports using different names. Now, this company has re-aged this account on all of my credit reports ; making it appear that I had an account that was charged off in XXXX. They are reporting that I have negative payment history since XXXX. This is not true. The account was closed in XXXX. XXXX is reporting this false and incorrect information to Experian, XXXX and 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 2021-10-16
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I faxed over documents that included my ID as well as my FTC report showing that I had unauthorized inquiries on my consumer report. Equifax was sent two fax as well as a certified letter that they signed for but they are saying they never received the letter and I have proof that the documents were signed for. They are telling me that there wasnt anything that they can do but submit it again. That doesnt make sense because whos to say they arent going to lose my information again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received 5-6 calls per week from Portfolio Recovery for over a year. Each call is from a different number. I have no overdue debt, and my credit score is over 800. I have told them repeatedly to not call, yet they persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
attempted to contact Credit Bureaus but my concerns are being ignored

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 2016-05-04
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Sale of account

Complaint:
I received a letter earlier this year from XXXX advising of the ending of their partnership with XXXX XXXX and that Citibank VISA would be the replacement. I called XXXX immediately to ask if I would be given the option to decline this VISA card since the letter did not address this question. The XXXX representative said I would be given that option prior to issuance of the card. On XXXX XXXX of this year I received a letter from Citibank that says my new Citibank VISA card will be mailed to me. I never received any notice or opportunity to decline this card prior to issuance. I immediately called Citibank and told them I do not want this card and I do not want a relationship with Citibank. Citibank said they could n't do anything about this card until I actually received it and then they could " try '' to cancel it. I am on the permanent opt out list for ALL credit offers, etc. and do not want another XXXX card. I am disappointed to learn that Citibank through contract with XXXX merely transferred my personal and financial information and automatically issued me a credit card without my permission to do so. I want to have the say over which company and which credit card I do business with just as I did when I originally applied for the XXXX XXXX XXXX card.

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 2017-08-14
Company: Selene Finance LP
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The company refuses to enter the account into an active forecloser status and continues to purposely damage my credit. Selene Finance personnel informed me time and again that I fall under the SCRA. Two things, I never provided a contract or orders informing them of my relation to the military. Two I waived my rights to SCRA no less than three different times. I will attach supporting documents to support my claims. Attached : XX/XX/XXXX - Email requesting foreclosure ( memo with original deed-in-lue paperwork from XXXX XXXX XXXX ) XX/XX/XXXX - Email requesting foreclosure ( memo to lawyer ) XX/XX/XXXX - Email requesting foreclosure ( memo ) XX/XX/XXXX - Email requesting foreclosure ( memo ) XX/XX/XXXX - Returned Forms to waive SCRA via FAX. I believe Selene Finance is purposely losing documents and shuffling their feet. I am not sure to what end, but I 'm positive this is intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Atlanticus Services Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was supposed to receive COVID-19 assistance from Fortiva, now I complained back in XXXX of 2021 regarding not receiving statements to be able to make statements. The only time I receive statements is when the account is past due and they have charged late fees to the account. I have contacted them regarding this same issue 4-5 times previous and it is the same thing. They will change the due date so called credit late fees ( which I don't see ) then I won't receive a statement again for 1-2 months. To me this fals under statutory lending, and false billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: EQUIFAX, INC.
State: KY
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:
There was credit reports pulled and I did not give permission they where pulled XX/XX/2021 the company 's where XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX. On XX/XX/2021 XXXX XXXX PULLED MY CREDIT REPORT.I would like for them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a phone call at XXXX on Monday, XX/XX/XXXX from a debt collector ( Capital Accounts ) regarding a delinquent bill from my XXXX going back to XX/XX/XXXX. The original bill from the XXXX was {$400.00}. The debt collector told me that if I did not pay the bill immediately, he would charge me 16 % interest on the debt going back to XX/XX/XXXX. I was also told that if I did not pay the bill immediately, my credit score would be harmed. All of this seemed like a threat to pressure me into paying and I wanted to know if they could do what they claimed. I had received a bill from this debt collection agency on XX/XX/XXXX. I asked the man on the phone to hold while I look for the bill he had already sent me. At that point, he became irritated and told me he did not have the time to wait. I found the bill and began to question it. I determined that I would not get a clear response from the representative and terminated the phone call. I then called the number on the bill at XXXX and reached his supervisor. I asked the supervisor about the 16 % interest. He told me that I was already being charged the interest and that what his representative told me about the back charges of 16 % interest was incorrect. When I pressed him about the misleading nature of his representative 's claims, he responded to the effect that some " re-training '' might be necessary. I protested that it was unfair for them to mislead me. I can not recollect the precise exchange that followed, but I told the supervisor that I would look into this matter to see if they were allowed to mislead me. He asked for my email address, which I refused to give him. He asked that I confirm my address, which he did. I thanked him and terminated the call. Unfortunately, I do not have a record of the phone conversation, but the supervisor told me that they record all calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Kinum, Inc., Indianapolis, IN Branch
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
somebody got ahold of my phone and went on XXXX  and sent them money to themselves and messed my account up and i told my bank and they dont believe me and making me pay XXXX to this third party agency they keep calling me in the morning while im at work and this account was deleted and added back on to my credit report and it hurting my report from taking it off and putting it back on i dont want this on my credit report if you cant proof to me this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: FC HoldCo LLC
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 filed several disputes regarding my credit concerns, and inaccurate info that's on my credit report.. It appears that no one is willing to comply.. I have provided proof of letters I been sending out to correct all the matters and concerns I have.. There has not been any results of changes or compliance.. This has become a burden to me and my family.. I will like to see some results base solely upon my disputes and matters I'm having 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 2017-10-08
Company: Experian Information Solutions Inc.
State: NY
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 just received an update on my XXXX credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.

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 2021-10-17
Company: ALLY FINANCIAL INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-10-18
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a consumer pursuant to 15 U.S.C 1681 ( c ), you are a debt collector pursuant to 15 U.S.C 1692a ( 6 ). To my understanding all credit reporting agencies get their information from the same company sourced as the original creditor. The inaccuracies being reported are detrimental to my credit capacity, credit worthiness, and credit standing. XXXX has investigated this dispute and removed the error immediately. If all credit reporting agencies retrieve their information from the same original creditor there should be no misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Vehicle was repossessed I haven't received no notices by law of vehicle when sold how much it was sold for by law 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: EQUIFAX, INC.
State: NY
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 reached out several times to try and get this matter resolved. There is an account from XXXX XXXX  and an account from XXXX XXXX reporting FALSE information on my credit reports. I am requesting that the information be VERIFIED as accurate, or DELETED completely from my credit profile.

Company response to consumer: Closed with explanation