BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have a Tax lein from XXXX county register of deeds that does not belong to me it was reporting on XXXX bureaus i called the County Clerk and verified that i do not and have not had a tax lein in my name. I disputed with XXXX bureaus and equifax and experian removed the lein because it was not valid and could not be validated for that reason. Transunion claimed it was verified. I then went back to the XXXX County Clerks Office and they verified again that i do not have a tax lein and have not had a request for verification of a tax lein from the credit bureaus and even further that they do not report to the credit bureaus at all, At that time i requsted method of verification and transunion did not supply only the fact that it is verified by a third party It is not my responsibility to reach out to a third party so i reached out to the XXXX County Register of Deeds that the Bureaus are alleging reported to my file maintained by them an account that doesnt belong to me. The third party is actually fraudulenty reporting in the name of XXXX county Register Of Deeds. Per my report it is alleged that the data furnisher is XXXX County Register of Deeds but they do not report to the credit bureaus they do not have a data furnishing aggrement with the credit bureaus so it is another entity reporting and alleging that they are XXXX County Register of Deeds. I have asked the bureaus to forward the contract or agreement or any proof that they are recieving to validate this file since I have requested it from XXXX County Regster of Deeds and they dont have anything. I have requested that the credit bureaus investigate this tax Lein on 3 occasions to no avail. they have not investigated nor have the forwarded any validation documents.

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 2016-03-05
Company: N.A.R., Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past two weeks, I have received over 50 calls from this number XXXX. When I pick up the phone, the call is IMMEDIATELY disconnected. I started ignoring their calls, however they continue to leave voicemails that are one second of silence. I had no idea who they were or why they were calling me. When I attempt to call them back, I am placed on hold for 20 minutes and was never connected to a person, the line went dead. 

I looked the phone number up online and discovered the company was North American Recovery. I have received no mail communications, no actual phone messages, I do n't know why they are calling me. If i indeed owe them money, they are not letting me know who they are, how much I owe, or how to pay. All I get are hang-ups and empty voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I been trying to dispute this collection account that just came on my credit after the account has been paid and closed. They keep updating saying the balance are accurate when its not. I even spoke with the original creditor and they informed me that the debt has been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: SC
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights XXXX5 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 explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I have been disputing some errors in my credit report and it has been more than 60 days with no response from the credit bureaus.

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 2022-03-25
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have been disputing some errors in my credit report and it has been more than 60 days with no response from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and noticed a collection from AFNI. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Paypal Holdings, Inc
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I made a purchase on XXXX on XXXX/XXXX/16 using PayPal Credit. Paypal Credit ( formerly known as Bill Me Later ) has an ongoing feature that if you spend over {$99.00} on an single purchase, you can take advantage of their no interest no payment feature for 6 months. I have used this promo on this website and others at least 10 times in the past year. For whatever reason that Paypal can not answer, this was not applied to this purchase. I followed up with the merchant ( Eastbay.com ) and they confirmed that the order went through the proper channels and they were supplied with a Bill Me Later confirmation ID ( XXXX ) -- which is completely different from the ID supplied if it was a regular Paypal purchase or another form of payment. I made this purchase because of the ability to pay at my convenience within 6 months. Paypal insists that I did n't log in and choose Paypal credit, even though the only way to use Paypal Credit is to log in through Paypal. There is also the fact that my credit limit in Paypal Credit was deducted the amount of the purchase. They state that some websites have the ability to natively choose paypal credit without signing in. I told Paypal that does n't concern this situation because Eastbay.com does not have that ability. XXXX personnel confirmed this statement as well. What is most infuriating about this entire process with PayPal Credit customer support, no agent is able or willing to go to the merchants website and test what I and the customer service rep from the merchant is saying. I have screenshots of each step it takes to use Paypal Credit on the Merchants website, but paypal wants me to print out each picture and FAX it to them. They have no email function to receive or send. The entire process with Paypal and Paypal Credit shows a complete lack of customer service that is glaring when compared to the other established credit card companies like XXXX, XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 Affirm reported to XXXX credit bureau that I had an active loan with them in the amount {$160.00}. However, I paid this loan off 1 month before on XX/XX/2022, and because of their error my credit score dropped by XXXX points. I have attached the following information to confirm that the loan was paid off on XX/XX/2022 : 1. Transaction history from Affirm directly which shows that the loan was paid off on XX/XX/2022 in their system. 
2. A copy of my XXXX XXXX account which also shows all payments made and paid on time confirming that loan was paid in full Cell phone number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: AAA Collections
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company known as XXXX XXXX XXXX in XXXX XXXX has been harassing us daily with phone calls to pay them what is owed for a medical debt. After sending them a payment of {$100.00} a month for the last year ( I am fully aware that I was past due but was finally financially able to start making payments ) they have been calling me and my wife twice a day but sometimes waiting a day in between to call us but they do attempt both of our phone numbers usually with an hour of each other. Most of the time their allegations are that if we do n't start paying more than {$100.00} we will be force to take legal action and if we do n't get set up on their " minimum automatic withdrawal program '' " we will continue to call you until we get this set up '' even though we have paid them already for that month. As a consumer being " Bullied '' into an automatic withdrawal program when you are already paying someone does not sound to me a like a good or fair business practice. We finally agreed ( forced by legal letter that if we do n't start making the payment of automatic withdrawal of {$180.00} a month we are taking legal action ) to set up an automatic withdrawal. I have requested that since our verbal agreement of payment plan, that they provide me with documentation of our agreement, of which they refuse by stating " It 's not our policy to provide that information! ". This company has been one of the most vicious debt collecting agencies I have ever been forced to work with. They have on multiple occasions brought my wife to tears and have caused my XXXX XXXX to rise because of their unethical treatment of the consumer. I will admit I have had to raise my voice on multiple occasions with them to try and get the m to stop calling on my work provided cell phone which after finally threatening legal action due to the laws set in place by my state that they finally stopped calling my work cell phone. However they continued to call my personal phone during my working hours of which I have asked them to call after XXXX Central time, again no compliance from them. The amount of mental anguish this company has continued to thrust upon us has cause much undo stress on my family and our relationship. Once again I am asking for legal documentation of the agreement we have set up so that I will have evidence that they will take no further action. here are just some of the most recent dates they have called but have n't left a message : XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Nations Recovery Center
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX KEEPS TRYING TO COLLECT APPLIED BANKS BUSINESS CARD AND IS REFUSING TO REMOVE ITS TRADELINE FROM MY EXPERIAN CREDIT REPORT IN VIOLATION OF FCRA, FDCPA AND TCPA.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: GA
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:
1. XXXX XXXX : XXXX 2. XXXX. XXXX My rights have been violated numerous of times. 
The credit bureaus violated my given rights under 15 USC.1681 According to 15 U.S.C 1681 section 602 A. states I have a right to privacy.

According to 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 According to 15.U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I have requested that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX XXXX, 2014. The account number is # XXXX This account is a reporting subscriber to Transunion, and I have asked numerous times for it to be added to my credit file. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.

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 2022-08-15
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.

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 2019-06-10
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In the last 10 years I had to file Chapter XXXX which caused the Student Loan to be in deferment for 5 years until the process finished. I did not understand that interest fees would still accrue. The loan amount was ( originally ) about {$40000.00}. Now, for the last year all monthly payments only go to interest rate fees. The Navient Student loan amount is now over {$80000.00} with no workable process or way for me to pay back the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: International Computer Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
currently on my personal credit report i have a charge from XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , Illinois , XXXX. This company which specializes in debt collections is alleging that i owe XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$240.00} from XX/XX/2017, i have NO contracts with XXXX & XXXX i currently rent and the owner has been paying XXXX XXXX XXXX i have no contract with XXXX XXXX XXXX nor do i have a contract with ICS. Further more ICS has not shown me any proof in writing, they have never contacted me about this issue. i have already made disputes with my credit monitoring bureaus and i am making sure this is taken off of my credit report as i never opened any accounts with either XXXX XXXX XXXX or ICS, this is basically fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$1400.00}, {$400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Purchased pre-paid American Express gift card on XXXX at XXXX. Went to website and the card says is not activated, went to XXXX and was told that there is nothing they can do once the card is activated by them, contacted card company on XXXX to resolve the issue. Was told that it will be resolved in 3 business days, after the full 3 business days, I received no communications. I contacted the company again and was to told to wait another 2 business days. 
As of today, XXXX, I have not received any communication as to the status of the card. 
Both XXXX and the card company refuses to provide any resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US Bank refused to cash any of the US Government XXXX XXXX Savings Bonds I tried to deposit in my checking account. They would not even look at them. When I said that I think they had to process them for deposit by law they said I was wrong. They said their bank 's policy was to not process any savings bonds at all because there is so much fraud involved. Like I say, they would not even let me show the bonds to them. They told me to try the Federal Reserve.

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 2015-03-30
Company: DRS Financial LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection Agency Abuse of Powers. 
Capital Collections has reported XXXX collection of medical co-payment and both the payments were made in full on XX/XX/XXXX, immediately when I was notified. ( Account # XXXX and XXXX ) Recently, ( XX/XX/XXXX ) I had contacted Capital Collections requesting to delete the collections from the report since, this something that happened due to my unawareness and payment was made immediately when we were notified. I am in the process of buying a home and I spoke to Manager, XXXX XXXX at Capital Collection, he was intimidating and refuses to delete an account that is paid in full 5 years back. This was minor amount my medical co-payments. XXXX XXXX was rude, intimidating and threatening in his tone and cuts telephone during conversations. I have attempted to speak with him several occasions. This is absolutely abusive of power. We have many agencies that are deleting minor accounts that has less amounts and are paid in full. XXXX XXXX representing Capital Collections did not exhibit any behaviors in line with federal Fair Debt Collection Practices Act. I need help and hence reporting. 
Sincerely, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage is an adjustable interest only loan. I have applied for a loan modification with my servicer, Bank of America and been denied earlier this year. I do not believe they are using the correct calculations when reviewing me for assistance. I believe they have a value that is way too high as well as they are not taking into consideration my payment is an adjustable, interest only loan that will increase in the near future. I now have a notice of default and possibly a notice of sale coming in the next week. I have hired an attorney to assist me in submitting my updated paperwork ( submitted XXXX/XXXX/2015 ). I have a new job as of XXXX 2015. I would like to ask Bank of America not to review me for assistance before moving forward with foreclosure by filing a notice of sale. I understand that the servicer may state my application was submitted too late, however I would like to request an exception be made and still review me for assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation