BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-20
Company: Galaxy Capital Acquisitions, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the account XXXX XXXX, XXXX. I talked to the person on the phone and they said it would take 24 hours to clear and for them to make the change from collection to paid and closed. I got a status update that it was changed from collections to paid and closed. In XXXX I got a 90 day late alert for that same account. I tried to have it fix with a series of Good-Will letters with the company and dispute with the credit agencies of the errors on the delinquencies being reported wrongfully. It comes back verified but nothing was changed. I filed a CFPB complaint XXXX XXXX and then on the XXXX of XXXX I got a letter that said that the account is now being serviced by Galaxy International Purchasing LLC. When I contacted them today they said they own the account as of XXXX XXXX XXXX. I have not received any letters prior to this first letter, they have dated XXXX XXXX, XXXX. I called XXXX XXXX because Galaxy told me to call XXXX XXXX. I was talking to a gentleman named XXXX and asked him about the 90 day late as of XXXX XXXX. He said that they have got the good will adjustment letter. That is why they updated my account with the 90 day late. When I talked to XXXX about the 90 day late he could not make an adjustment even if there was something wrong, he said I need to dispute it and I told him that I already did and it would come back verified. Than all he said was " sorry, there is nothing else I can do ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
First issue is this company used multiple numbers without caller ID in attempt to find me Calls from XXXX ( Arizona ), XXXX ( ohio ), XXXX ( Texas ), XXXX Minnesota. 

Then when they did they identified themselves as debt collectors. My statement was Affordable care act said it would be 10 % of Student debt - I was told the first time it was more like 15 %. 

Next time i was contacted the person tried to verbally guilt me into giving them my debit card and make a payment on the spot ( without any documentation or anything to say who this company is ) I suspected a scam artist at the works and yes they are. I was transfered to a supervisor who wanted my email so she could email the information. 

I asked for a hard copy I want all documentation on what you have. The company printed the email. Then sent me a loan application for consolidation with an expired date from the date they mailed. never saying clearly what interest rate they are offering. Shady business for sure ( I had to ask for hard proof multiple times to the supervisor proving who they are ) Under my present loan I am at 3 % and another and 3.5 - They want me to agree to their terms and raise it to 15 but be on the loan rehabilitation program. Did I get anything that said the interest rate offered? NOPE. They will not give it. 

I had to log into student loans and check the debt myself - which actually thier numbers does not match Student loan debt. 

I am one of these people I need to read over with a highlighter and see what actually pertains to me. There is a small print in my laon that says i have the right to consolidation with a mean inbetween the 2 interest rates. They did not follow any of that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Received a letter of denial for a rental application with " Check Writing History from XXXX '' sited as XXXX of the XXXX reasons. When I contacted XXXX via the number provided on the denial notice they looked up all of my information and said that there was " nothing negative or outstanding '' under my name, social security number, or drivers license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: PlusFour, 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:
Plus Four is fraudulently and knowingly sending false information to XXXX, I have called them numerous times and they acknowledge it is not me but say there is nothing they can do to correct there error because there is someone in a different state with a different date of birth different Social Security number who owes them money. I have pleaded with them to go after the person who owes them money and leave me alone but they refuse. 

Plus Four has also been dishonest and try to say that perhaps i have a relative with a similar name, this is not true.

This is one of three collection agencies who have this problem with my stolen information. The other 2 were very quick to realize there error and immediately correct it, write me a letter as well as do a bulls eye not to remove the false information from my record. You continue to refuse. Please please do the right thing and correct what you know is wrong and do a bullseye to remove it. Thank you in advance 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 2022-05-20
Company: EQUIFAX, 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:
I am a victim of identity theft. During a recent review of my credit report, my attorney informed me of creditor " XXXX '' issuing a line of credit in my name. This is not my account, nor have I done business with this company. I have never applied for any services, or products, and do/did not authorize the usage of my personal information in connection with or for any monies, or services rendered by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Synovus Bank
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: Their investigation did not fix an error on your report

Complaint:
Came back Verified on XXXX but delete on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have previously disputed inquiries on my TransUnion report. They are refusing to remove the inquiries I disputed on CFPB Case number : XXXX. 

When I spoke to the specialist on the phone I inquired what I can do to prevent further inquiries from being done on my credit profile and a security freeze was recommended. I was going to proceed with the security freeze until she informed me that I had to pay {$10.00}. Per the TransUnion website any person who has been a victim of identity theft can have the fee waived. I 've sent several police reports to prove my identity theft and would like for the security freeze to be placed with no charge. 

In addition I would like all the inquiries I have disputed to be deleted or investigated. 

Inquiries disputed are : XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX XXXX - INQUIRY DATE OF - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF XXXX/XXXX/XXXX XXXX - INQUIRY DATE OF 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 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
To whom it may concern : I respectfully request a credit freeze on my credit file. My name is XXXX I am victim of identity theft and have attached a copy of the investigative report from my local law enforcement agency. Per the laws of the state of OHIO, I do not have to render a fee for the aforementioned freeze request. There is a XXXX account that someone tried to apply for that I never authorized or applied for Please delete the inquiry from my Credit Report it is Fraud. 

My current address is : XXXX, OH XXXX My Social Security number is : XXXX My DOB is : 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 2020-07-09
Company: AG AH LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am looking to pay off this mortgage. I requested a 15-day payoff starting on XX/XX/2020. When requesting by phone Arc Home Loans states that payoff can not be made until a written payoff is received. I went through their " process '' to receive written payoff. The phone states that it will be processed within 24 hours. After 48 hours I made a new request for the payoff. Fast forward to Monday, XX/XX/2020. Still no payoff letter. I contacted the company and spoke with a representative. She stated that they had sent the payoff earlier that day via fax. I informed her it had not been received. Now their first attempt is 6 days after the first request, not within 24 hours as they stated. I informed her that I had not received the payoff quote by fax. She said she would resend via fax and confirmed my email address and said she would send it via email as well. Now we are on XX/XX/2020. The payoff date I requested was XX/XX/2020, to give time for payment processing. I feel that at this point I will now be paying more interest due to processing time. I need a payoff quote so I can pay off this mortgage. The company seems to be refusing to cooperate. This is not very surprising because they are not a co-operative company, have not been since day one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Adler Wallach & Associates, Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX, XXXX payment on a past due balance was made at the XXXX in XXXX Al. I was advised that once payment was made, this account would be deleted from my credit report. This payment of {$230.00} was paid by debit card and I received a reference number. As of XXXX XXXX, XXXX the balance was being incorrectly reported to the credit bureau. I contacted AWA, an agency employed by XXXX to collect the past due balance, to advise that the balance was paid in full. I spoke with XXXX XXXX a customer service rep and I spoke with her supervisor XXXX XXXX who were both given the information regarding payment. They stated that a reference number was not " good enough '' to update the account and that XXXX would need to contact them to have the balance updated. I contacted XXXX who in turn stated they would send the information over to AWA to correct the account. A direct dispute was submitted on XXXX/XXXX/XXXX to XXXX, who on XXXX/XXXX/XXXX determined the account as being verified and that it met 'FCRA '' requirements. AWA has continued to not only report the incorrect balance but but continually and erroneously increase said balance monthly by {$1.00} which has affected determining my credit worthiness to other lenders. On XXXX/XXXX/XXXX I contacted AWA and spoke with XXXX XXXX she advised that they still show a balance in their system for the amount and that only XXXX can have the account closed since XXXX is their client. She also stated that no info was received from XXXX regarding the account status. XXXX stated that she was not able to or had access to the information on who needed to be contacted at XXXX. On XXXX/XXXX/XXXX I contacted XXXX collection department at at XXXX and spoke with a customer service rep there who stated the following : on XXXX payment in the amount of {$230.00} was received and my account shows a {$0.00} balance ; on XXXX/XXXX/XXXX the account was notated closed with collection agency ; on XXXX/XXXX/XXXX XXXX contacted AWA who was notified that the balance had been paid in full. As of XXXX/XXXX/XXXX the balance showing on my credit reports of {$290.00}. AWA has continue to a ) increase the debt each month to the credit bureau b ) gave incorrect information once the dispute was filed c ) refused to contact XXXX or accept the confirmation number given by XXXX in order to update/report the correct information and continue to report this as an open account with the balance increasing monthly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-17
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling at least 10 times a day every single day.Probably even more often. They call every hour. They used to call from the same phone number but started calling using numbers from different states : like XXXX or XXXX etc. It is the same lady calling though and the only message she leaves is " XXXX, Hello. Hello, XXXX. XXXX, heeeeloooo ''. Every. Single. Message. Does not leave her name or her company name or why she is calling. I had to call back a couple of the numbers she called from, and all said Allied Interstate collection company. I only got XXXX written communication from them on XXXX XXXX, 2016. I called them back and told them I already had a payment plan set up with credit card company itself. They ignored me and continued calling and harassing me.

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 2020-07-10
Company: Experian Information Solutions Inc.
State: MI
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 " verifying '' an account that was closed over 12 years ago. I also included it on my Bankruptcy 9 years ago. It had a {$0.00} balance. So it was on my Bankruptcy in XXXX and it was closed in XXXX. There it is on their credit report! They are liars. They have it was verified XX/XX/XXXX. NOT POSSIBLE. My bankruptcy was Discharged in XXXX. NOT XXXX. Impossible. 100 %. They are just making up dates since they don't know. Remove this. 
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Charge Account Balance on XX/XX/XXXX Credit Limit {$0.00} {$120.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX Monthly payment - Late payments -

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 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late PUBLIC FILINGS U.S. BANKRUPTCY COURT XXXX not mine Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

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 2020-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/XXXX I received a email stating I opened a Bank of America prepaid pay card for my unemployment benefits? Which I did not authorize due to the fact that I have a current saving/checking account via XXXX  since XXXX. The prepaid was ordered and sent to a address located in California to receive NEVADA benefits which is disappointing in the BIG name Financial institution Bank of America did not do there due diligence to secure the identity of the person opening ANY account. I have requested for this fraudulent account to close immediately and to issue any funds verbally in via email lastly Im asking this agency to step in to receive the documentation this account can not be opened again and the funds owed to me.

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 2020-07-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint number XXXX to remove and block these items.

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 2017-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are XXXX new addresses appearing on my credit reports. I have not furnished the address XXXX XXXX XXXX, XXXX, CA XXXX or XXXX XXXX XXXX XXXX XXXX, Ca XXXX. This is erroneous information and needs to be removed from all credit reports. 

The last name XXXX is also incorrect.

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 2020-07-10
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debit collector keeps calling me non stop everyday at not treasonable times. I keep my phone on just in case my daughter school calls so its on vibrate but i recently got a warning of my phone going off at work due to this company keep calling my phone back to back every 3 hours of the day. They called once before after XXXX. I have told them i do not know what this is but stop calling me because I work. I have to research to see what it was because they wouldnt tell me and I seen it was for debit collector which i do not know what for. I am being harassed by this company call CBE GROUP!!!! They keep calling from different XXXX numbers and I am really tired of them calling non stop! I have blocked every number they tried calling from and they keep calling over and over. I am sick of this and refuse to lose my job over this company. The phones calls must stop I am tired of them and i do not know who they calling on a behalf for. Its been almost two months and i am tired of the calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. 

I badly need your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a request for a Security Freeze because I am a victim of identity theft. I have sent the request twice and they have continued to reject my request and not protect my credit althought I sent police report, drivers license, ss card and proof of address. I sent certified on XXXX XXXX XXXX and XXXX XXXX XXXX. I sent for my wife XXXX also. XXXX have not been responded to. They signed for XXXX letters

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief