BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-17
Company: ENCORE CAPITAL GROUP INC.
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:
we keep getting calls from midland credit which we do not or ever had any loans with and when we answer the phone they do not respond but when we call them back they want our phone number and we told them to quit calling but they keep calling our house

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Maximus Education, LLC dba Aidvantage
State: FL
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:
My acct was with XXXX and I had a payment plan with them back in 2009. But I stop making payments because the school that I got the loan through which was XXXX XXXX ended up closing down and I found out that I couldn't use my certificate anywhere .Jobs and places was saying they needed more proof. so this have been on my credit all these years and now XXXX have sold my information to another company without my permission and they are calling me to still collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: PA
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 is not reporting this account correctly and it's hurting my chances of purchasing a new home for my family. As you can see, XXXX  is reporting correctly that the account was current and paid but Experian show it as a collection/charged off account. 
XXXX Opened XX/XX/2019 Balance owed {$0.00}.

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 2016-04-01
Company: Pinnacle Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Pinnacle Credit Services had placed a collection in XXXX of my credit reports. I became aware of this following my receipt of a copy of my annual credit report, in XXXX XXXX I had not received any prior notification of this alleged debt from Pinnacle Credit Services. I contacted Pinnacle via mail, requesting verification of the alleged debt including all information concerning this alleged debt. Pinnacle chose to ignore or refused to respond the written request. I followed this with a complaint to the XXXX. Pinnacle responded to this complaint with the same standard reply that they have issued to every complaint filed with the XXXX. The reply by this company states : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX VIA Electronic Mail Re : Complaint Case No. XXXX Dear XXXX, Pinnacle Credit Services , LLC ( " Pinnacle '' ) has received the above-referenced complaint. Pinnacle is unable to verify any of the information provided by the complainant. Due to the nature of Pinnacle 's business, we encourage the complainant to contact us directly at our toll free phone number ************, where we may address these concerns securely and in compliance with state and federal law. Sincerely, Pinnacle Credit Services , LLC '' I did place a call to the number provided in the response. The company refused to discuss the account over the phone. However, the company did remove their trade line from my credit report. On XXXX XXXX, of this year, I received a XXXX from this company. I immediately placed a call to the phone number provided on the XXXX, and left a message on the voice mail for this company, basically demanding an explanation. The following day, I received a phone call from XXXX, pertaining to the message I had left on the voice mail of Pinnacle Credit Services. The individual who called told me that he could not disclose any information. That he knew of no option for me obtaining the information I had requested. He had no explanation as to why I had not received any information prior to my receiving the XXXX. This call by " XXXX XXXX, XXXX. was nothing more than a scare tactic. Pinnacle Credit Services did not follow any state or federal law. And certainly did not follow the laws, pertaining to the Fair Debt Collection Practices Act or the Fair Debt Reporting Act. A certified letter was sent to both companies following the phone conversation on XXXX XXXX, XXXX. XXXX companies have continued to ignore or refuse to acknowledge any and all request or demands. Though XXXX letters have been received by the XXXX companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX, # XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX The referenced accounts above have 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 : States that a consumer reporting agency can not furnish a account without my written instructi
on.

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 2020-10-05
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Regions Checking Account has been compromised due to the following unauthorized charges made via XXXX XXXX XXXX {$1500.00} XXXX {$940.00} XXXX {$600.00} XXXX {$190.00} XXXX {$100.00} XXXX {$100.00} I have spoke with representatives from Regions Bank on several occasions -- and they have concluded to NOT provide any credit to my account because all the transactions passed a " fraud analysis. '' When I asked Regions bank to provide more in depth information on the process of this analysis, they responded with the resolution that I needed to reach out to XXXX XXXX. This has been an on going issue for the past month, as I have tried reaching out to XXXX XXXX in which automated email responses have been the form of communication from this vendor.

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 2015-08-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been a customer of Best Buy for at least 20 years and still have a Best Buy Credit Card in my name only in my possession. Around XX/XX/XXXX I helped my daughter, XXXX, then a XXXX Student at the University XXXX, purchase a XXXX Laptop. In order to help her establish credit, Best Buy initiated a Joint Credit Account. I paid {$250.00} down and the Account was established in her name, with her Statements sent to her Mother 's ( my ex-wife ) address in XXXX, Texas. She paid this off in a timely manner. 
Fast forward to XX/XX/XXXX when I decided to buy myself an XXXX Present ( HP Laptop for around {$450.00} ). Best Buy was regularly sending me emails stating I had Best Buy Rewards of {$30.00} I could use if I purchased a Product from them. I believe the condition was I could not use this Discount unless I put it on credit, so I did so even though I can provide proof that I had approximately {$4500.00} in my Bank Account at that time. 
Herein lies the problem. At the checkout in XXXX XXXX, Texas, I furnished my info, Driver 's License, email, phone number, etc., after stating I had an Individual Account ( I did not have my Best Buy Credit Card on hand at that time ). My daughter was in XXXX, Texas, was not mentioned, consequently, I had no idea that she would be involved in this transaction in any way whatsoever. 
I went about my business and enjoyed the Holidays. Sometime in XX/XX/XXXX, I found out that my ex had gotten mail for my Daughter from Best Buy ( they lived XXXX miles from each other ). My Daughter told her it must be Junk Mail because she had not had any dealings with them. Consequently, I have the email and picture of the Credit Card Bill from my Daughter on XXXX/XXXX/XXXX which states " Sorry, I wished I 'd opened it sooner ". Shortly after I contacted the Credit Card Account, described what happened, got them to write off the Late Charge Penalty and paid the Amount in Full. The Rep read back my explanation to me and agreed to include this in my file. 
Happy Ending? Not quite. This is the only serious negative on my Credit Report and I believe I would have an XXXX Score without it and has been detrimental to my finances. What makes me feel terrible is that my Daughter ( XXXX ) and is buying a House has this on her Credit Report and has cost her also while she had absolutely nothing to do with the transaction. 
Finally, during this time Best Buy was sending me emails describing their products and that I was eligible for additional Rewards! I believe if you will look at my situation you will feel as I do, that if Best Buy had correctly billed me as I had intended this would never had been an issue and affected my Daughter and I so negatively.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX CO XXXX, XXXX ACCOUNT 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 2016-05-30
Company: Pinnacle Credit Services, LLC
State: AL
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:
When I was 1st contacted I was told this account was for a type of wireless internet router that a person could travel with. I never opened this account nor did I give anyone permission nor do I know who opened this account. I have informed XXXX of this and have informed the collection agency in writing with no results. I have never had any need personal or work related for this type of equipment. Being that I did not open this account, I feel I am not responsible for paying for it and will not do so. I always pay for all credit accounts that are mine in full yes I have made late payments in my life but still paid what I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Stellar Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is trying to recollect a debt that has already been paid. XXXX has been notified the debt has been paid in full but continues to try to collect and report it on my credit report. The debt was paid to ERC and removed from my credit report XXXX XXXX 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Stellar Recovery, Inc.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt once I had cancelled my service. Once this went into collections with XXXX I disputed it and asked them to send me anything showing what I owe. They never did and instead sent me a letter saying they could not validate the debt and would remove from all credit bureaus. Two months later another collection agency popped up on my credit with the same debt saying I owe them. I contacted them immediately requesting proof and they never sent it. This should not belong on my credit and I am trying to buy a house and it is affecting my score. These companies should not be able to keep hassling you even after they ca n't prove a debt. When does it stop?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Farrell Holdings, LLC
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX sold me a vehicle that ended up not passing emissions. I also found out, after my purchase, from a 3rd party mechanic that the dealership should have never passed the car for safety, as there was obvious damage to the front suspension. The DMV made me give the car back because it was not able to be registered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: DE
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: WA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: WA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated theFair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days. The following accounts listed below are : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 2015-06-09
Company: Immediate Credit Recovery
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my student account from the XXXX College of XXXX and there is a so-called " Hold '' from ICR ( Immediate Credit Recoveries ). I 've never done business with this company and I pay my tuition with Federal Financial Aid and have already resolved my payment option through the Financial Aid Office of my University. I have not received any written nor electronic communication from this company nor from my school about this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a loan with Caliber, I made payments during the past few years,, yet they were not applied, mainly because the loan was transferred from XXXX to Caliber. 
I contacted XXXX and asked them to send me statements from my billing history, so Caliber can apply the credits to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: VW Credit
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a loan from VW Credit for a XXXX ( involved in the diesel cheating scandal ). They repurchased the car from me on XX/XX/2016 - and repaid my loan in full that day. ( Actually, the repayment was MORE than full, as it did not take into account the monthly payment I had made on XX/XX/XXXX ). On XX/XX/XXXX, XXXX auto-debited my checking account for another monthly payment - despite my loan having been paid in full the prior month. 

This has caused a cash-flow problem, as my NEW car is also set to auto-debit tomorrow - and I do n't have sufficient funds in the account to make the payment, now that XXXX has inappropriately debited my account. 

I 'm suspicious of why this debit took place - despite the loan being paid in full - on the heels of XXXX 's involvement in systematic fraud in their emissions cheating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX Im trying to withdraw {$600.00} from ATM in XXXX, Illinois, location. As usual process, I insert my ATM, less than 5 minutes ; I dont receive any funds from the ATM. Ive decided to go inside the branch and told the teller what happened what he did is he gave me {$600.00} cash from my account little I didnt know that instead of giving me my {$600.00} ; they took another {$600.00} from my account, when I checked my receipt, I looked like I withdraw {$1200.00}, but in reality I only got {$600.00}. One of the banker help me to start the dispute process and she promised that they will credit my bank on same day. 
I checked the next day and still, money is not available, I took more than 1 week to return my money. 
On XXXX Ive noticed that they took {$600.00} from my account I called the customer service and she said that they denied the dispute because that there is no discrepancy in their ATM machine, I told them that they look back on the camera by the ATM the day that I did my transaction and they will see that I did not get any money from the machine, I even told them that I did not steal money from them, I worked hard for my money and I live paycheck to paycheck and I need that money to pay for my rent, but the supervisor said she cant do anything and I have to wait 30 days for their decisions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: MO
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 ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. Please check payment history, date open, last activity and Status of the accounts XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; and XXXX XXXX XXXXXXXX Balance Owed : {$0.00} as I believe these accounts are reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Alorica Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I received a letter saying that I had paid off my loans. Then a little time later I a call from a company ( western asset. management ) saying that I owed them {$18000.00} including interest for a student loan. I never received any paperwork from them, they said they have been sending it but it got returned, I have been at the same address for 30plus years so that 's a little odd I never got a bill, now they are garnishing my wages and I have no idea what to do to stop it ... ..

Company response to consumer: Closed with explanation