BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-30
Company: Phoenix Financial Services LLC
State: FL
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:
This debt does not belong to me I think it might be a medical bill for my adult child in which I am not responsible for. If you continue to attempt to collect this debt I am going to obtain an attorney. 

This will be the XXXX time a collection agency has added this collection to my credit and this I have to dispute it each time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2020 i was victim of theft from my debt card for XXXX i called my bank next day to reported and cancel my debit card. Now i have a letter from Bank of America saying they will take back from my account that money because : '' Unfortunately, we're unable to approve your recent claim. I need help with that because i think is not rite i have to pay back that money when i am victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-13
Company: LEXISNEXIS
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have some concerns about records Lexis Nexis is furnishing to the credit bureaus. I do n't think the information is accurate. 
I have contacted the court and they did not furnish this information to XXXX. This accounts are not mine and XXXX sent me a letter attached as to the furnisher of the information. This is third hand information and hearsay. They did not verify this account as the address attached to this filing is not even mine. There are additional inconsistencies that I have advised XXXX of in my consumer legal action. 

I disputed the accuracy with XXXX and the results of their investigation and it shows that you claim to have verified this account. Since you claim to have verified this account, I now have the right to have you prove you are furnishing accurate information to my credit reports. 

Here is what I am now demanding : Please provide copies of the actual documentation you used to " verify '' this account with the credit bureaus and to update XXXX to remove these records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
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: Account status incorrect

Complaint:
Equifax should not be reporting me as an authorized user on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Access Receivables of NC Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Access Management is the name given. The number they are calling from is XXXX. The caller ID is ACESSRECVBLES.It 's a robocall. This is a landline they are calling. 

They call almost daily. My experience is that they are fishing for a debtor by using the least expensive, laziest methods. One of which is to simply robocall anyone with a similiar name using a computerized database. I know of no debts that me or my family owe that are outstanding. Googling this company does bring up the name of a supposed " ethical '' debt collector. 

If a debt collector calls me wanting to know if so and so can be reached at my number, I tell them that I will let them know after they pay {$15.00} to my XXXX account. They usually unceremoniously hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Stephens and Michaels Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Will not tell me anything regarding the purpose of their call or their names or the company they work for unless I give them my personal information. Not going to happen!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Ascension Recovery Management
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am responding to a letter I recieved in the mail indicating that I owe a fee of {$1500.00} for a vehicle of which I do not own any longer.The letter was sent out to me on XX/XX/2016. I have not been the owner of this vehicle as of XX/XX/2016 as the vehicle was repossessed. I have paid all fines and tickets pertaining to the vehicle while it was in my possession. I am not obligated to pay the stated amount in any form or fashion. This response is an attempt to debunk this claim of debt. I would like to know why I recieved such a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
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: Personal information incorrect

Complaint:
To whomever it may concern, XXXX Under Section 168 FCRA i am disputing the address associated with the original contract, this address does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted under this law. If not Attorney Costs & Court Action will follow. 

I Also request the creditor to provide the ORIGINAL CONTRACT bearing my signature and verify the disputed information under the fair credit reporting act. 

Please note I have previously disputed this information by certified mail TWICE with the creditor 25 days prior and have received no response, below is the tracking number of my second by mail dispute. And a copy of my credit report. I XXXX XXXX solely submit this complaint. 

Tracking number : 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 2021-03-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My dispute involves the credit company : Experian. Ive sent multiple disputes online and magnolia by mail and they dont help me. The accounts are not mine and I have provided them proof and they still are not doing anything about it. The other two credit bureaus have removed the items off my report. Only Experian has not! Worst company ever!

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 2021-03-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute by mail in regards to incorrect items on my credit report. It has been well over 30 days ( XX/XX/2020 ), and I have yet to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Incomm Holdings Inc.
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I purchased a total of XXXX gift cards with a value of {$490.00} on each card + {$4.00} fee each at XXXX XXXX. The XXXX cards were split between XXXX transactions of XXXX cards each, including fees each transaction was {$2900.00} XXXX XXXX * XXXX + XXXX ). My XXXX transaction of XXXX cards, all XXXX cards showed as not activated. XXXX did a refund of the XXXX cards ( - {$2900.00} ) that did not activate and did a repurchase of XXXX cards for {$2900.00} on a XXXX transaction since the XXXX transaction all cards showed as not activated. Technically XXXX cards at {$490.00} each were purchased ( though charged for XXXX see receipts ) with XXXX being returned, leaving XXXX cards that I should have active with funds on them. I 've sent my receipts from XXXX XXXX, including the electronic sales journal that XXXX ( the store manager ) of XXXX XXXX provided to support what happened. InComm says XXXX cards were used at the United States Post Office, which I did. XXXX cards {$2900.00} ( $ XXXX + $ XXXX ) are unaccounted for per the receipts I 'm providing that shows I was charged for XXXX cards at {$2900.00} x XXXX = {$8900.00}. Per the receipts, where is the missing XXXX cards/funds? I would like my funds for the missing XXXX cards ( not activated ) refunded to me in the amount of {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
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: Account information incorrect

Complaint:
In XX/XX/2019 we came to an agreement with XXXX that the Solar Systems would be removed and all Obligations for the Solar Leases would be terminated due to improper installation of the solar panels and promises to repair the leaking roofs. The Solar Panels were removed by XX/XX/2019, as per the agreement. We are still receiving monthly bills for the terminated leases and they are being reported to the credit agencies as being late paid, including what they are calling current amounts that would have been due if the contracts were in place even though all of the contracts have been terminated. XXXX has filed the releasing of the XXXX filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
LVNV has sued myself for a debt 13 years past the statue of limitations. In XX/XX/2020 XXXX county awarded them settlement, I did not pay attention to the mailing of this happening. I have spoken to them about this and they want to go to court for their violations of the FDCPA. So Im hiring a lawyer to represent me on this matter. In addition Im filing complaints for their unlawful acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Elevate Recoveries, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Sensible Auto Lending, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX amount {$120.00} and XX/XX/XXXX amount {$110.00} and XX/XX/XXXX amount {$110.00} These are the dates that I made payments to my already paid up account the next due date should have been on the XX/XX/XXXX, but instead one representative stated that the payment that was applied on XX/XX/XXXX was applied to principal on my account, then the next supervisor XXXX stated my payment was applied to the interest on my account. In a previous conversation last year when i had paid may account months early they stated that I had to call in to make principal payments. Since XX/XX/XXXX I have been making payments early and have been paid up for months, and interest payments have been taken out all payments. So these people are literally scamming me out of my money because the early payments are not bringing my account balance down and by now I should at least be a {$10000.00} if not {$9000.00}. I want to know where my money is going an being applied or is someone scamming me out of all the money I've put in this car? Also they have no one in this company that are natural born citizens, also they don't have corporate numbers or emails listed to contact anyone in a upper management status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
This is the 10th Time Elan Financial " willfully and fraudulently '' reported credit card balance on the closing date XX/XX/2022. 

The balance is {$9.00} - NOT {$74.00} as of XX/XX/2022. ( See attached ).

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 2022-04-09
Company: Millco Management
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERIFINANCIAL SOLUTIONS has placed a collection on my profile. I have asked for debt validation several times with signed originals. They have not provided it nor removed the negative information

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Transunion directly after sending a mailed request and was told that the information that I have from a Tennessee Circuit Court dismissing this was Not sufficient to remove this from my credit bureau.

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 2021-03-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX - XXXX - {$2600.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1800.00} - XX/XX/XXXX XXXX - XXXX - {$96.00} - XX/XX/XXXX XXXX XXXX XXXX  - XXXX - {$16000.00} - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: MS
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:
I called and asked why was these account 's showing up on my report and the credit reporting agency told me that i had applied for credit. I have not applied for credit at these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Information belongs to someone else

Complaint:
To : Consumer Financial Protection Bureau, Experian is continuously incompliances of the Federal Law, as the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

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 2020-06-20
Company: I.C. System, Inc.
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Several months ago a collection agency named IC System contacted me about a debt with XXXX. The address of the service was XXXX XXXX XXXX in XXXX, North Dakota. I have never lived at this address and disputed it through XXXX. All they replied is that IC System has confirmed the debt as good. You can look up anything about my history and never has the address XXXX XXXX XXXX has never been a place where I have resided.

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 2021-03-17
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 status incorrect

Complaint:
XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. The accounts are as follows : XXXX XXXX XXXX partial account number XXXX ; XXXX XXXX account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX and the following XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX. ALL of these items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix these accounts however, I have not been successful.

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 2022-10-14
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: Credit inquiries on your report that you don't recognize

Complaint:
1.XXXX  XXXX XXXX / XXXX XXXX  XXXX XXXX XX/XX/XXXX {$450.00} was spent unauthorized, This account wasn't approved by me. Please remove and delete this account from my report. 
2. XXXX XXXX / XXXX XXXX XX/XX/XXXX {$860.00} unauthorized balance and incorrect. I Make on-Time payment there shouldn't be any open balance. Please remove and delete this negative remark. 
3. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX - XXXX XX/XX/XXXX {$4600.00} This account was broken due to covid-19. my job was slow i was layed off so i couldn't keep up with my lease. I also was making on-time payments. I was never late. can you please remove and delete this negative remark. 
4.XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00} This account was unauthorized. This account was not authorized by me. This account is outdated this should not be on my report. 
5.DEPT OF ED/ AIDVANTXXXX Closed XX/XX/XXXX This is a duplicate account showing on my credit report not only that this account is 14 years old why is this on my report this is hindering my credit report. 
6. XXXX XXXX XXXX  XXXX - XXXX XX/XX/XXXX {$0.00} This account was not open by me. I didn't authorize this account to be open. This is not my account or have rights to this false account. 
7. XXXX XXXX  XX/XX/XXXX Unauthorized inquiry i didn't apply for anything. Misused. 
8.DEPT OF ED/ AIDVANT - XXXX XX/XX/XXXX {$17000.00} As you can see i have outstanding on time payment history my joy was laid off and i also was going through a disaster at the time. can you please remove the missed payment remark. I am more responsible to make on time payments and this is very important to me.

Company response to consumer: Closed with explanation