BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Credit Collection Service company on XX/XX/2021 and XX/XX/2021 to dispute this erroneous debt that was placed on my credit reports in error. I have not received any debt Validation notices from them. I also disputed this erroneous account with the 3 credit reporting agencies, which returned back to me that this item was verified and updated! How is this possible? I contacted this company over 4 months ago with no response or validation for this debt, which violates the Fair Debt Collection Practices Act. Below i will include all of my correspondence with them and the 3 credit reporting agencies and their reply to my dispute. I also included my Certified mail tracking receipts which clearly states that Credit Collection Service received my dispute and is clearly violating the FDCPA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Duvera Billing Services, LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of XX/XX/XXXX I finished paying off the remaining balance on my XXXX account of {$1100.00}. Myself and the company has agreed that at the end of the month of XXXX that each credit bureau would receive a collection deletion request at XXXX 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: CO
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-24
Company: Experian Information Solutions Inc.
State: VA
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:
I want to know the description of the investigation procedures that took place as it relates to the accounts provided in the attachment and do not send me a generic response. I also want to know who you all spoke with, names, addresses, phone numbers, what was asked and what was provided by them that made you believe that this information was accurate pursuant to 15 USC 1681a ( e ). You all never verified these accounts with me, you just added them to my credit report.

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 2022-12-22
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a collection from CONVERGENT OUTSOURCING ( XXXX XXXX XXXX XXXX XXXX XXXX  on my account & Ive never applied for or had their services! I contacted them to explain that I was a victim of identity theft and that I needed their account deleted ASAP! This account was open before I was XXXX XXXX XXXX and if they dont have proof of a signature I need this account DELETED!!!

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 2022-08-02
Company: Experian Information Solutions 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:
after reviewing my credit reports there were several unfamiliar accounts and infromation listed incorrectly. I was subject to theft and or my information being compromised a while back, so im not sure if these accounts are the results of this compromise. 

XXXX XXXX XXXX XXXXXXXXXXXX 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 explanation
Consumer complaint received 2022-08-24
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Currently have student loans through Aidvantage, previously XXXX. I have a payment due XX/XX/XXXX and was told to file a complaint due to this payment, when there is no current plan announced for repayment or a continued pause.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
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 has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX  # XXXX has violated my rights. 
Child Support XXXX XXXX Account # XXXX has violated my rights. 
Child Support XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 

15U.S.C 1681 section 602 A. States I have the right to privacy. 15U.C.S 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-12-22
Company: Williams & Fudge, Inc
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past several weeks I have been receiving telephone calls from ( XXXX XXXX XXXX ) XXXX XXXX XXXX followed by a few various numbers. Today I returned a call to XXXX. Each time they answered with " Hi, this is ( stated their name ) on a recorded line. '' After that I would say " Hi, what company are you with? '' At this point their responses would vary from either hanging up on me immediately or saying " Hello, if you're not going to say anything please hang up the phone. '' This went on for at least XXXX calls, they continued to ignire my request for their name. I know they heard me ask the question because I would hear a small sigh when I asked who they were and I could hear background noise from their side of the call. 
Using a free service, I was able to find the company is Williams & Fudge in Massachusetts. 
I have screenshots if every call. 
I will be calling back every one of the numbers they called me from tomorrow to check if they refuse to give their information at every number they have called me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: OH
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 Account Number XXXXXXXX XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: MD
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:
The credit bureaus stated my account XXXX was properly investigated, but how is that possible if the date open is inaccurate, the date last active is inaccurate, and the date last reported in not accurate? 

This is grounds for removal as they have also violated my rights under 15 U.S.C. 1681 Section ( a ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00} According to 15 U.S.C 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

There are ( 9 ) inaccuracies and violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Happy Money, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This is a follow-up of claim with the reference # XXXX, Happy Money is negligent where the company entrapped my son by disregarding the account was falling behind from day one and the automated emails I did receive, they would inform me someone would be getting in touch, but no one never contacted me to resolve the issue. The reason for the word entrapped, is the companys failure to assist us correctly but recently claiming the account was charged off around the XXXX a day before my payment attempt. Their excuses are they called and e-mailed XXXX XXXX XXXX but what is their excuse for not unprofessional conduct disregarding my son 's request to allow his mother who is his authority to handle the account? My other reason is, it was not until I spoke to a representative at the end or beginning of XX/XX/2022 when he finally comes out and states that they could have taken a payment over the telephone as an exception and why did I not mail the payment in. I informed him I was never provided the options. All I was told and redirected to do was to go into the portal to make payments when I constantly informed the company, I could not make payments online under the old account under XXXX XXXXXXXX XXXX. The company new this and even was provided a screenshot of the closed accounts. However, no one mentioned nor requested a screen shot prior to the day the XXXX questions were answered and submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX, Have previously disputed the account with the company by the name of Santander Consumer USA. The account reporting on my credit report from Santander does not belong to me I have reached out to dispute the account from my credit report. However, the account is still reporting on my XXXX and XXXX. It has been removed from my XXXX account. 

I would like these accounts removed from my credit report Expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: IL
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:
XXXX, XXXX, and Equifax are reporting inaccurate information on my consumer report. I am also aware of the recent news allegations involving Equifax and I believe I have been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to get a loan through Freedom Mortgage. Freedom declined my loan because they weren't able to verify my CPA which isn't my fault. I offered to have my old CPA write a letter but they weren't taking it which seems odd to me. Im at risk of losing $ XXXX earnest money deposit and Freedom doesn't seem to want to help in any which way. Please Pleaase Help!

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 2022-08-02
Company: Experian Information Solutions Inc.
State: TX
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:
not in compliance with 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 2022-08-02
Company: Professional Debt Mediation, Inc.
State: FL
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:
Company did nothing but send me a copy of a copy lease Never sent back requested documents Still reporting inaccurate information on my credit report with XXXX and XXXX Dates : XX/XX/2022 XX/XX/2022 ( Per letter it states to cease and desist for 30 days that was ignored by company )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions 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, 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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX, Transunion, and XXXX are reporting inaccurate information on my consumer report. I am also aware of the recent news allegations involving XXXX and I believe I have been affected.

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 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX a fraudulent XXXX company  withdrew {$150.00} using XXXX out of my checking account. Over the next couple days there were another 4 XXXX transactions from a fraudulent shipping company XXXX XXXX taking another {$850.00} out of my account ( {$300.00}, {$250.00}, {$100.00}, {$200.00} ). I submitted a claim to my bank on XX/XX/XXXX and I am still fighting this and their initial findings were to say I authorized. I was able to catch this before XXXX took another XXXX and then I started receiving texts that I would be XXXX for funding XXXX XXXX. Ive tried to reach out to the XXXX & shipping company via phone but they only connect via text, the phone goes to a XXXX voice line

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 2022-08-03
Company: Experian Information Solutions Inc.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collecons : XXXX XXXX XXXX XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Collecon : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ 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 explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX as a consumer of the United States, I sent Equifax a formal complaint about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 2 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, unverifiable accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer report. Your ( Equifax ) Response which has been document by myself as well as the CFPB was please be advised that an investigation with the furnisher of the information has been initiated. On XX/XX/XXXX I sent in a complaint and you were suppose to due an investigation. 30 days have passed and you ( Equifax ) have not furnished any written proof that the items in fact belong to me. That means that you willingly keep negative fraudulent information on my consumer report without any proof whatsoever. Now your claiming to start another investigation. By law the furnisher had 30 days to get you ( Equifax ) the information you needed and you havent furnished any proof whatsoever. I want those negative fraudulent items removed immediately.

Company response to consumer: Closed with explanation