BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-03
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Todays daye : XXXX/XXXX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ABILITY RECOVERY SERVICES , LLC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: EOS Holdings, Inc.
State: PA
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:
XX/XX/XXXX I received notification from XXXX XXXX that cable, internet, and phone service was installed and I was listed as the billing person. I did not authorize instillation of any service from XXXX XXXX and never had these services installed. I was told by XXXX XXXX to disregard any notifications for not returned equipment. XX/XX/XXXX I was contacted be a collection agency in attempt to collect a debt from XXXX XXXX. I then contacted the fraud department at XXXX XXXX and filed a police report because according to XXXX XXXX this was a fraud issue. On XXXX XXXX, XXXX I received a letter from XXXX Account Verification Center stating that they notified the collection agency that I am not the debtor for this account. On XXXX XXXX, XXXX I received XXXX calls from EOS CCA ( collection agency ) attempting to collect this debt for XXXX XXXX. On XXXX XXXX, XXXX I spoke EOS CCA, XXXX Account Verification Center, and XXXX XXXX Department. EOS CCA confirmed that they received this debt from XXXX on XXXX XXXX, XXXX and the XXXX Account Verification department informed me that this debt was closed in XXXX of XXXX. XXXX 's recovery department submitted a credit report deletion request on XXXX XXXX, XXXX. I was told by XXXX 's recovery department that they can not send me conformation of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: CA
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:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 60 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 45 days is a reason to remove those things off my credit report immediately. It has been over 60 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I walked into the bank and was denied a checking account due to incorrect information on a report from early warning services. I submitted a letter to early warning services to have the negative report remove. Early Warning Services told me that they will not remove the negative inquiry, even though I provided a letter from the company stating that the reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's XXXX Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$2800.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX Account Number : XXXX AMOUNT : {$1900.00} Reason : Account is fraudulent Account Name : DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX/XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX  XXXX/XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX/XXXX  XXXX  Account Number : XXXX AMOUNT : {$770.00} Reason : Account is fraudulent Account Name : NAVIENT Account Number : XXXX AMOUNT : {$41000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX BANK ) Account Number : XXXX AMOUNT : {$930.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX BANK ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX BANK ) Account Number : XXXX AMOUNT : {$640.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX BANK ) Account Number : XXXX AMOUNT : {$1200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX AMOUNT : {$460.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  ) Account Number : XXXX AMOUNT : {$690.00} Reason : Account is fraudulent Inquiries : XXXX  XXXX NA XX/XX/XXXX XXXX  XXXX AUTO FIN XXXX XXXX/XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/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 explanation
Consumer complaint received 2015-07-23
Company: Atlanticus Services Corporation
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX XXXX XXXX XXXX placed a publication on a non local check and its availability. The check returned and a police report had not been filed for the incident until XX/XX/XXXX. The bank returned all credit card payments in this case Aspire visa. Aspire Visa payment was returned on account at that time local authority 's would not allow a police report to be filed. XX/XX/XXXX a fraud report was taken by the police department. I would like the debit of the credit card corrected. In this case of Aspire Visa in which to a law suit was conducted or the credit card company was a law settlement and for XXXX of the XXXX credit cards a XXXX was filed in debit forgiveness. I have XXXX other Aspire Visa VIP credit card that no legal notice for it has been corrected to my knowledge. I have mailed Aspire Visa letter after letter. All they had sent in return before the police department filed a police report was a debit collections deduction. Wherefore the Police departments police report was filed on account of an identity theft indicator placed by the IRS. XX/XX/XXXX-XX/XX/XXXX:

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-07-31
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: Was not notified of investigation status or results

Complaint:
This is my 4th time contacting the CFPB and nothing is being done on my credit file. I have submitted several disputes to Experian, XXXX and XXXX as well as the collection agencies directly and no one is handling my disputes. I want these negative items deleted from my credit report today and I expect to have an updated report with these items deleted within 15 days ... The CFPB is suppose to govern these bureaus and no one is doing their jobs ... 

XXXX  XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX/XXXX  XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCONT XXXX-XXXX-NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/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 2016-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I live in a XXXX unit townhome complex in XXXX, Texas. XX/XX/2015 we shopped to refinance our home mortgage after 17 years of payments at a high interest rate with only XXXX % of the value left on the home. We received several bids and picked Bank of America based on their estimated closing costs. 

We sent in all of the documentation they requested and were assured the closing costs were accurate. 

Approximately 35 days later, after interest rates went up, BOA said they needed to charge us approximately {$500.00} for an new survey. We told them we sent them the survey from our XXXX XXXX on day 1. They said it was insufficient. 

In addition, we had to submit the same information we gave them day 1, with pay stubs and tax returns a second time. We asked why and they said it was because they submitted the wrong SSN and had to do it again? We lost several hours of income providing this information a second time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Some small-time collection agency CCS Inc.is using illegal tactics by refusing to provide any debt validation despite my written requests to them to do so. They keep sending threatening collection notices for a debt that is not mine for {$110.00}. Not sure why they have chosen me for this or why they refuse to validate debt. Now they are threatening to crush my unblemished credit history by reporting this fake debt to the credit reporting agencies! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Hello On XX/XX/XXXX I signed a lease contract with XXXX XXXX Honda ( dealership ) located at XXXX XXXX XXXX, CA XXXX. Unfortunately, a year later I found out that the contract I signed was not what I was informed at the time of sale. I asked XXXX XXXX ( Finance Rep ) if the vehicle came with the three-year services included in the contract, in which XXXX stated that the vehicle came with the three years services included them in my monthly payment, if are done at the same XXXX XXXX Honda location. To my surprise a year later, I was told that what I signed i was NOT the same lease agreement we had spoken about before I signed the sales contract, and that extra charge that I'm getting on my monthly payment is for some Treft Warranty that I was told it was included as part of the deal. 

The reason I state this is because on XX/XX/XXXX, I arrived at XXXX XXXX Honda ( dealership ) to get the oil change done on my vehicle, and XXXX XXXX ( service advisor ) informed me that my service contract had expired. XXXX explained to me that that service contract it was valid only for three services NOT for the three years lease contract. While they were taking my car to get the oil change done, I went to the front desk and asked to talk with any manager available. 

XXXX XXXX ( General sales manager ) came out to talk to me, at first, I told him that I was upset, because my contract was not what I was informed on the day of sale. He was rude and raised his voice at me, telling me that I was lying. XXXX also stated that every single finance office has a recording device that records every single conversation when they are singing a contract. I told him that its so unprofessional and against the law record someone without their knowledge, but that I was glad that they recorded the signing of my contract, because I was not lying. XXXX stated that he would request the record from their recording company ( he didnt want to give me a name ) and that he will give me a call.

Its been four weeks and I havent received any call, email or mail from this General Manager. Which only means that he was lying to me.

I also tried to get in contact with the dealership controller and no one was able to give me any information. I look on XXXX review and i found this email that is use for complains ( XXXX ). I emailed him back on XX/XX/XXXX and i still don't get any help. Only two phone calls trying to sell me another car. 

I would appreciate if you can help me get this issue resolved, and I can get what I was told the day I signed my lease contract, this problem has also caused me to incur additional cost by getting charged for my oil changes on my vehicle. 

I look forward to settling this matter amicably. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have received XXXX emails regarding my XXXX payday loan. Each XXXX claims they have received a XXXX of XXXX on my wages XXXX untrue ). They also claim to be a XXXX. XXXX from the XXXX. 

1 ) They misspelled XXXX. 
2 ) They have not tried to contact me by phone or at work. 
3 ) They are claiming I have a warrant and will be arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying on this loan since XX/XX/2013 and the balance is still $ XXXX, my monthly payments continue to increase without any explanation, a representative told me this morning that I could save {$8.00} if I enrolled in automatic draft from my Savings account. My car payment is cheaper than my monthly loan payment and my balance is not changing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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: Credit inquiries on your report that you don't recognize

Complaint:
After 40 days I still see inquires I have disputed still on my report. I did not give anyone my consent to use my stuff. I have contacted the B & creditors about this. First they dont respond for 30 days then after multiple disputes I get a computer generated response! Really!?. Under law remove this bs off my report now!.

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 2021-07-29
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
After 40 days I still see inquires I have disputed still on my report. I did not give anyone my consent to use my stuff. I have contacted the B & creditors about this. First they dont respond for 30 days then after multiple disputes I get a computer generated response! Really!?. Under law remove this bs off my report now!.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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: Public record information inaccurate

Complaint:
Dear Sir or Madame! 
Please be advised that I was a victim of Identity Theft. Upon learning of this incident sometime in Spring XXXX  I immediately filed a notified all credit reporting companies regarding this incident. 
Upon collecting all relevant information pertaining to this incident I had filed a Police report with XXXX in XXXX, XXXX. 
All Credit Reporting Companies were notified in regards. 
I had submitted any and all documents pertaining to Identity Theft to all partied involved and requested to remove all negative information contained therein ... 
Credit reporting companies refused to act and cause irreversible financial harm since I was unable to use my credit in order to obtain mortgage, car loan & /or credit card ... as well as favorable rates ... 
I respectfully request your assistance in order to force credit reporting agencies to acknowledge that identity theft incident occurred and remove any and all negative information from my credit report. 
Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
Bank of American charges interest on on purchases which are paid XXXX % on or prior to the due date & even when set up to autopay on due date, they pay a day late ( to themselves ) & collect interest. Most months I carry no balance forward, yet they charge me interest monthly & only retract the charges when I complain. The next month, it starts again with 18.74 % APR. Other credit card companies/banks like XXXX or XXXX do not do this under same circumstances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out XXXX for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: CO
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:
My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information!

The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.

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