BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-26
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
5 repeated calls on XX/XX/2019 from spoofed numbers within my phone exchange : XXXX XXXX XXXX XXXX XXXX XXXX repeated calls XX/XX/2019 from likely spoofed calls from local area codes : XXXX XXXX XXXX Many other instances of multiple calls per day from spoofed local numbers. A voice mail is never left

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have been closed my account for several years now at Regions Bank, because they were charging me overdraft fees I did not owe. I still have my account number and my statements and can prove they were causing me to overdraft. I see where they were finally caught and I want to know how I can get my money back? Please help me.

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 2016-11-08
Company: Collection Bureau of America Ltd.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
COLLECTION BUREAU OF AMERICA has not responded to claim on # XXXX. They have not provided proper validation of the debt and they continue to report to the credit companies. COLLECTION BUREAU OF AMERICA is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.

Company response to consumer: Closed
Consumer complaint received 2016-06-22
Company: CHECK INTO CASH INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
recieved call on XXXX/XXXX/16 from XXXX XXXX XXXX telling me that the local district attorney office had a warrant for my arrest and would be arrested and sent to jail today for a pay day loan check that is 11 years old.of course no one came and was only a scare tactic. the DA told me they dont take payday loan cases by texas law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX Account Number : 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 2022-01-21
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are 3 derogatory alleged medical collections placed on my XXXX, XXXX, and XXXX consumer reports. These alleged collections are from the same company which is Americollect. Americollect has placed an alleged collection for {$200.00}, {$260.00}, and {$260.00}. I have tried to get this removed with no luck. I was involved in an auto accident and when my attorney settled the case all of my medical bills were paid out of the settlement. This collection company committed fraud by stating that these accounts meet FCRA requirements. They did not provide proof that these belong to me nor did they provide documentation showing that I signed any contracts with my social security number on any paperwork. I have all paperwork from the accident that I will provide to the courts because I will be seeking a remedy from the Americollect and from XXXX, XXXX, and XXXX for allowing this company to commit fraud. Amercicollect did not get my permission to place these fraudulent collections on all 3 of my consumer reports. They have violated consumer law 15 USC 1681b ( 2 ) which is a {$1000.00} violation among other violations. Americollect also ran a soft pull on my consumer reports before placing these alleged collections. I have also provided proof that Americollect ran a soft pull on my consumer reports before placing these fraudulent accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: EQUIFAX, INC.
State: AL
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:
The following accounts are not mine : XXXX/XXXX/XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was not the main account holder with XXXX and all devices were returned This has been on my account for 5+ years and when I did try to speak with the debt company, I was given different amounts on 6 different occasions which was suspicious with me. When I called them  back a few months later, the website was up but the numbers were disconnected and I could never get a real person on the line. My credit has gone down because the company is re aging this debt and treating it like a brand new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Debt Recovery Solutions, LLC
State: MI
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 verification letter to the company certified I have receipts showing the debt company received the letter It has been over 30 days and I have not received a response with proof or verification I owe this debt. 
This company is still reporting in error to the 3 credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A XXXX card account was opened fraudulently in my name and I have been disputing this account for more than 3 years since I found out about it. The credit reporting agencies are not persistent in assisting me get this account removed. The company states that I opened because the info used to open it matches my location and description at the time it was opened, however the handwriting does not match and the area where the purchases were made is no where near the location I was residing. I just want my name removed from this company 's files and for my reports to reflect as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: NY
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've been a victim of identity theft. The inquiry listed should be removed as this is fraudulent and unauthorized. Inquiry : XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a chapter XXXX bankruptcy discharged more than a year ago. Thereafter, I have been paying my mortgage via automatic debit monthly. It appears that there have been at least in XXXX and XXXX ( dates I can see online ) thousands of dollars in corporate advance fees charged. I see such fees as defined as processing fees on other website. What is the legal basis for these charges. I never received any communication from the bankruptcy court that such additional fees were authorized. The amounts vary widely {$300.00} here, {$800.00} there, in fact and law, how is a consumer supposed to know what they are paying. I am thinking my principal balance is being paid down when in actuality my months payments are being syphoned off for unknown costs. I want these fees refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid off an account with Comenity - XXXX on XX/XX/XXXX. The due date for the payment was XX/XX/XXXX. Have checked with my bank, XXXX XXXX and the money left my account on XX/XX/XXXX as ordered. Two weeks later I received a late fee notice from Comenity Bank saying the payment was late. I called at that time and spoke with a representative who treated me rudely, telling me it was my problem and refusing to help settle the matter. I made no further payments and have been receiving bills each month since then with an ever increasing amount for late fees and interest. My credit rating has bottomed out due to this. I have called Comenity several times since then and received calls from them about this but there has been no effort on their part to take care of the problem. I called the XXXX XXXX XXXX about this and they advised me to call you and report it. 


The site is asking me to attach a file. I don't have any files to attach even if I knew how to do it. I am XXXX years of age and have XXXX  XXXX XXXX and not exactly computer literate enough to figure this out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
What happened to my XX/XX/XXXX alert email? XX/XX/2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, XX/XX/2016.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: MI
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:
Hello, I have received a copy of my credit report with the intentions of trying to improve my credit report multiple times and take care of myself and my child due to being XXXX. I noticed a few accounts that i wanted a little more information on and did not recognize. I am not saying they are reporting right or wrong. I am just saying that i am not 100 % sure if they are. I also read the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to yall. 

Are you familiar with something called 15 U.S.C. 161i ( a )? I read that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 % right and correct. I also saw on the credit site and board where this lawyer said you have 30 days to complete this investigation.

I AM NOT SURE WHY THE CREDIT BUERAUS CAN NOT PROVIDE ANY PROOF OF THE ACCURACIES OF THESE ACCOUNTS BUT WONT DELETE THEM!! THEY ARE NOT CORRECTLY DOING THEIR JOB. 
THE ACCOUNT NAMES ARE AS FOLLOWS. 

1 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX XXXX XXXX BALANCE:XXXX AND WAS UPDATED AS ACCURATE ON XXXX. THIS BALANCE WAS DISPUTED SEVERAL TIMES. 

2 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX.BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX XXXX BALANCE HAS BEEN DISPUTED SEVERAL TIMES. AS I DISPUTED THIS THE BALANCE DECREASED FROM OVER XXXX YET THEY WONT DELETE IT. 

3 ) '' XXXX XXXX XXXX '' - ORIGINAL CREDITOR WAS XXXX AN XXXX COMPANY BALANCE WAS XXXX $ XXXXTHE BALANCE WAS UPDATED AS ACCURATE ON XXXX XXXX. 

PLEASE HELP ME THIS IS NOT FAIR!! 

In accordance with the " Fair Credit Reporting Act XXXX Account numbers XXXX, has violated my rights. 

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

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 2020-08-06
Company: SUN LOAN COMPANY INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
On or around XX/XX/2020, I contacted the loan company and settled with company for less than the account was owed. The company had already charged the account off as a bad account so I settled for less the amount. The loan was up to {$1100.00} and I settled for {$900.00}. Since then the account still shows derogatory on all 3 credit bureaus. This is indeed hurting my credit scores and I am trying to purchase a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
In 2003 we purchased a home in CT. The lender in to eliminate PMI had us use a XXXX loan in addtion to the Mortage. This XXXX was described as a 30 year XXXX mortgage. A few years late when we were inquiring about the loan 's % rate of interest. It was explained that the loan in fact was XXXX yrs but we were paying as if it were a 30 yr. Therefore there was a 15 year ballon. This was not explained to us. We are XXXX years from the Balloon. My wife told me about this organization. The mortgage company issuing the mortgages was XXXX XXXX in XXXX, CT. The original main mortgage was XXXX XXXX which was bought by XXXX XXXX XXXX and since we have refinanced with XXXX XXXX. The XXXX Mortgage in question was originally XXXX XXXX and then was purchased by PNC Bank. Can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XX/XX/XXXX, my husband and I sent the attached investigation request to Equifax. Over two months have passed, and we have yet to receive a response from Equifax, despite multiple follow-up attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: EQUIFAX, 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:
These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I requested for an audit of my student loans but the servicer refused to honor my request. I believe the balance is not accurate and the issue started with a previous servicer XXXX 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 2020-06-18
Company: EQUIFAX, INC.
State: OH
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:
CONTACTED EQUIFAX XXXX  AND XXXX  IN AN ATTEMPT TO FIX FRAUD ACCCOUNTS ON MY CREDIT REPORT. THEY ARE REPORTING FRAUD AND INACCURATE ACCOUNTS ON MY REPORT HENDERING MY EFFORTS TO OBTAIN CREDITS. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : CREDIT MGMT Account Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I did not give permission to pull my credit report from Equifax from the companies below. I reached out to creditors via mail and left messages. NO RESPONSE. 
Please REMOVE ASAP XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Credit Information Dept XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: AL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018 Weltman Weinberg & Reis reported to the Credit Repository Agencies that I opened an account with its entity on XX/XX/2018 in the amount of {$15000.00}. 

I have not ever contracted any business with this company. I have not ever received any consideration from this company. I have not ever signed any agreements with this company. 

I believe that this company is committing an act of fraud with knowingly placing invalid information of my personal credit profile. This company has violated Title 15 USC 1681s-2 ( a ) ( 1 ).

Company response to consumer: Closed with explanation