BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-28
Company: Mid-Atlantic Consumer Services
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Contacted by midatlantic conumser credit about a debt that is beyond the statue of limitations. Provided to me when requested no statement or proof that i owed the debt. I willingly gave them a settlement payment however when i tried to contact them to change the date of funds the number is disconnected and the person that gave me their personal number does not return any calls. I contacted my bank and stopped the payment. I believe i am being scammed by this company and have seen over the web that other people have had this experience with them as well. I would like to report them and have an investigation opened. The kept calling all my family members about my debt and all different phone numbers were used. and any of those numbers were not in service after i tried to call them back. Please look into this as they are trying to extort money in very bad ways. Phone number used that is not in service is the following XXXX Mid-Atlantic Consumer Services '.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: United Accounts, Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
United Accounts has listed I owe a XXXX XXXX XXXX bill of XXXX and that bill has been paid for 2 years as I have service at XXXX in my name now. I want it updated on my credit report

Company response to consumer: Closed
Consumer complaint received 2021-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the inaccurate reporting made by Portfolio Recovery Associated XXXX to XXXX numerous times. I have provided proof. Submitted letters requesting proof of contract, documents on file that were used to confirm proof of debt, etc. Both XXXX and Portfolio Recovery Associated, XXXX are still furnishing inaccurate information despite my efforts to remove said account for false reporting. I have attached the proof they sent which does not align with the amount they are furnishing, yet, the item has still not been removed from my report when the statement included has a completely different amount owed. I have also attached all documents provided to XXXX to prove and dispute the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
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 XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... 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 2020-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019 I received a promotion on my email from Bank of America exclusively for me were they offered me {$300.00}, If I open a new checking account with them. The terms were after qualifying direct deposits of {$4000.00} in 60 days. 
I opened an account and qualified with the terms. On XX/XX/XXXX I called Bank of America to check the status of the {$300.00} dollars and they told me that I was not included in that promotion. I gave them proof of the email I received on XX/XX/2019, p and they asked to start an escalation which I did and that I had to wait 7 business days. I called after 7 business days for a second time and I was told to wait 30 more days because takes 30 days now. I did called again yesterday after 90 days since account was opened and asked for the status of my {$300.00} and results escalation. Now I was told that had to wait 60 more days! I asked the person that I was given different information every time I called Bank of America.

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 monetary relief
Consumer complaint received 2021-09-30
Company: CL Holdings LLC
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 XXXX ... JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) XXXX ... 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 response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX 2014 unpaid for {$37.00} I have never had XXXX service in my life this is not mine please fix this problem

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently purchased a new home with builder financing. My mortgage was immediately sold to Roundpoint Mortgage Servicing corporation and I 've been making payments to them for the last 7 months. XX/XX/2016, I received a Real Estate tax bill from the City and promptly forwarded it to Roundpoint so that it could be paid from my escrow account. Despite several phone calls to Roundpoint 's customer service center, one of which ended with a promise from the floor superivsor to get the bill paid, Roundpoint has failed to issue a check and I 've been forced to pay the tax bill out of my own pocket. XXXX 's excuse for not paying the bill is that it is marked " supplemental '' ; in actuality, the city of XXXX XXXX has confirmed that this is the normal real estate tax that is due for the period of XX/XX/XXXX - 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 2015-03-28
Company: American Coradius International LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a letter from American Coradius International LLC stating that I owe them for a collection for XXXX. The amount that it 's states I owe is XXXX. I checked my account on XXXX and it states my balance is {$0.00} and I do not have an open credit card account on XXXX. I did a credit report and not does it show I have an open account at XXXX indicating my identity has not been stolen. I do not know why I received this collection unless it is a mistake on their part and I do not want this to effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Receivable Management Group, Inc. (GA)
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter from Receivable Management Group , Inc. claiming I owe money for an outstanding medical bill for the amount of {$57.00} in which it was paid in full two months ago.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've demanded a copy of all information on my consumer file from each credit reporting agency and have yet to receive this information. According to 15 USC 1681g, I am entitled to all information on file ; sources and report receipts upon request. Attached, you will find a scanned copy of my USA passport ID card in accordance to 15 USC 1681h.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax site is down and has been down for almost a week. Can not access logins, credit freezes, nothing. Called, could not get through, waited on phone for 2 hours. Please tell Equifax to fix their site and allow quicker access to representatives. Need to lift freeze immediately. Thank you. XX/XX/2020 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX XXXX balance {$13000.00} account # XXXX 30 days late in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-09-30
Company: EQUIFAX, INC.
State: DC
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:
XXXX claims that when my vehicle was totaled on XX/XX/XXXX the insurance check that was issued didnt cover the deductible hence leaving a current balance on my account I have disputed this with the credit bureaus this however isnt true that the deductible was not included in the settlement amount is actually was included before the settlement check was issued in the amount of XXXX was the amount that was settled however when the subtracted the XXXX dollar deductible it left the amount of XXXX that was paid to them included a gap check of XXXX including the XXXX deductible as well as Vehicle service contract refund in the amount of XXXX they still are holding me responsible for the XXXX that they claim my insurance didnt cover hence why the balance is still on my account reflecting current this has dropped my credit score and put me 60-90 days late on my credit report with XXXX and equifax however this same account that is showing open with these two bureaus was reported closed on XX/XX/XXXX when it was back dated at the time of loss is now reopen and was opened XX/XX/31 and its only showing open from XXXX and equifax however XXXX is still reporting this account as closed but my credit has dropped with them as well XXXX either was informed of the deductible being taken out of my settlement check prior to payment or they werent but I know that I shouldnt have a balance left because the XXXX was overpaid by ally gap as well as deductible from the initial settlement amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: United Credit and Collections Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
UCC has received multiple Affidavits and has failed to respond. An un-rebutted Affidavit stands TRUE in court!

UCC has violated my privacy! My consumer rights have been violated. United Credit and Collections has continued to harass me about this alleged debt. United Credit and Collections INC has violated federal law. United Credit and Collections has failed to properly respond to my notarized Affidavit. I have all proof of attempting to settle this amicably. United Credit and Collections has threatened actions that can not be legally taken under the Fair Debt Collection Practices. United Credit and Collections is civilly liable. United Credit and Collections is in default and now agrees with the facts. United Credit and Collections violated
the following laws : 15 U.S. Code 1692b ( 2 ) 15 U.S. Code 1692b ( 5 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692e. ( 2 ) ( A ) 15 U.S. Code 1692e. ( 5 ) 15 U.S. Code 1692e. ( 7 ) 15 U.S. Code 1692e. ( 10 ) 15 U.S. Code 1692j ( a ) 15 U.S. Code 1692c ( a ) ( 1 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692c ( a ) 15 U.S. Code 1692c ( b ) 15 U.S. Code 1692h 15 U.S. Code 1692k ( a ) ( 1 ) All proof is attached

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Choice Recovery has been calling me about a debt that I did not know about last XXXX XXXX, 2015. I just recently found out, since checking my credit report that they have reported my debt that was actually from a dental bill that I thought was already taken care of as I was in and out of the dental office about at least XXXX times this year for my cleaning. I was always told that I did not have any outstanding balances. I know I have the right to get a letter about my outstanding balances and I never got one. I also know that 5 days after the collection company contacts you, they should also send out a letter about the debt they are trying to collect and from whom. I never got this. If it was not for me checking my credit report, I would have never knew about this debt. In conclusion, I am complaining about the unfair practices of Choice Recovery and the fact that they never sent me any other notice ( written letter ) besides leaving a very unclear message that they are a debt collector but never saying who they are calling for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Complaint Number # XXXX IS NOT CLOSED. LoanCare responded partially with insufficient and incomplete information, they didn't mention when they received the money. So my request is not addressed completely as there is no information on the extra interest I paid, who'll pay me back. I believe CFPB didn't notice my initial request and incomplete response from LoanCare and closed the request by mistake. XXXX accepted lately that they received the fund on XX/XX/XXXX. But it was originally sent to LoanCare ( prior Loan company ) on XXXX XXXX. While sending the money the payoff was calculated till XXXX XXXX, so ideally they will return the extra interest I paid for 3 days ( XXXX, XXXX, and XXXX XXXX ). This information is not available with XXXX. LoanCare never shared that information to XXXX, rather they are mentioning when they sent to XXXX. Why after 14 days? Who'll pay me back the extra money I paid. Called LoanCare Office of the Customer, they did not agree to include that in the response, saying loan is closed from their end.

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 2016-07-07
Company: American Credit Acceptance, LLC
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
We have an auto loan with American Credit Acceptance. We have made a substantial principal payment in XXXX 2016. Along with this payment we made a regular one as well. Since this time we have continued to make our schedule payment on time. Upon review of a statement, we saw an error in applying our principal payment in XX/XX/XXXX. When we contacted the company, they tried to correct the error. Up on reviewing the account and trying to trade in our vehicle, we found our remaining principal balance was wrong. We contacted the company once again. The account is still not correct and we are not getting any help and the representatives speak rough English. 
Our last two payments have been kept ( according to the online account summary ) for interest only and this is not correct. It appears the company is trying to keep principle money for interest instead of applying as per the original contract of purchase. 
We need some help or will have to seek legal advice that can be costly.

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 2016-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
hard inquires were pulled on my credit without my authorization i need it removed its hard for me to get credit.

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 2016-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
A hard inquiry showed up on my credit report from XXXX dated XXXX/XXXX/2016. All of my online research shows that XXXX is associated with XXXX or XXXX XXXX credit cards. I have not applied for any lines of credit within several months of this hard inquiry showing up on my credit.

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 2021-09-30
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX/ XXXX XXXX Date XX/XX/XXXX Balance {$0.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX  Opened Date XX/XX/XXXX Balance {$17000.00} XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX  account XXXX XXXX XXXX. acct # XXXX, XXXX XXXX acct # XXXX, and XXXX acct # 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

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 2016-07-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX 2016, XXXX, 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and XXXX request to be investigated have been 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 non-monetary relief