BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-29
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
XXXX VIOLATIONS : CFPB Orders XXXX XXXX to Pay {$85.00} XXXX Refund to Consumers Harmed by Illegal Credit Card Practices XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC XXXX XXXX : XXXX XXXX and XXXX XXXX, toxic securities abuses, XXXX, XXXX, {>= $1,000,000} ... XXXX XXXX consumer protection violation, XXXX, FTC, {>= $1,000,000}. 
XXXX XXXX XXXX : The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
XXXX XXXX : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.SXXXX Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies XXXX XXXX The FDIC says the XXXX  units violated the Federal Trade Commission Act by falsely : ... Cardholders may be due a refund for more than one violation. The FDIC will ... XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
XXXX XXXX The Federal Trade Commission penalized four firms over false textile claims. ... settle charges that they violated the Textile Products Identification Act and the FTC 's ... For example, the FTC said XXXX XXXX allegedly used the terms XXXX XXXX : XXXX XXXX XXXX will pay {$360000.00} ; XXXX XXXX XXXX XXXX XXXX will pay {$290000.00} ; and XXXX XXXX will pay {$150000.00} for allegedly violating the FTC Act and the agency 's Textile Rules. 
TARGET : We received your submissions on behalfofXXXX XXXX ( " Target '' consumer deception XXXX XXXX XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Experian Information Solutions Inc.
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:
I have ask Experian to delete negative information from my report. Experian send me my disputing results were it saids that all negative personal information has been deleted but has not been done as described under Results.

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 2020-02-29
Company: EQUIFAX, 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:
The information regarding XXXX XXXX for the Installment Loans has the payment history incorrect. I have filed forbearance in the past to ensure that my payment history was not impacted. During the alleged late payments, I was experiencing great financial and living hardships. I was homeless for so many years and did not start to get back on my feet until the last 8 months. I had no shelter to live in and finances were tough to come by and I had already submitted a request to have this information removed from my payment history. The company did not send me anything in writing stating if this has been full removed and updated internally as well as with the 3 credit bureaus. Please get my history updated to reflect as on time 100 % payment history. I should not be penalized for not always having access to my account and for not being able to keep up with payments, when it should have been under hardship forbearances, due to my inability to make ends meet. Since I been back on my feet, I have proven and shown that I can maintain exceptional payment history. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: NY
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:
on XX/XX/2022 i sent a letter in regards to inaccurate items on my credit reports. its been more than 70 days and i have not receive any validation of debt or results of the investigation. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to delete the items immediately from my credit report. It has been more than 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to all stress caused 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 2020-02-29
Company: Experian Information Solutions Inc.
State: GA
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 : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but XXXX keep re-posting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.

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 2020-02-29
Company: Debt Recovery Solutions, LLC
State: FL
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:
Looking at my credit report there is account # XXXX from DRS reporting. I informed them that this account was written off through charity care and submitted all supporting documentation to them. They told me the account was taken out of their system and closed. They also said they submitted a request to the credit bureaus to have account removed but its still reporting on my credit damaging my ability to do anything with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: FC HoldCo LLC
State: MI
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:
15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FAMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION YALL HAVE Violate my rights so the account I'm referring to is Flagship credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On  XXXX   XXXX ,   XXXX   I put in for a loan for {$150.00} And was approved, and received the funds.     On  XXXX   XXXX  I got a notice about that this was owed, but then on the  XXXX  I saw that a withdrawal was made in the amount of {$32.00} and change. Then I saw a few days ago in my account another sum of {$31.00} was taken making a total round off of {$65.00} from my account without permission.     I contacted the company about this twice by email and no response from them. So I called today,  XXXX   XXXX ,   XXXX   to further discuss this with them and let them know they did not have the right to take money from me without my permission. They tried to insist that the contract says automatic withdrawal is part of permission for contract but it does not say that. I read contract through before agreeing to this.     Now, I am in a situation where I need the {$65.00} back and the contract cancelled due to financial hardship. I am in a crisis situation right now and they do not want to give me back the money they took without my permission. As I told them, nowhere in the contract does it say I give permission for them to withdraw. I finally got them to get rid of that but I need the money that they took from me and the contract cancelled. As I told them, I can back out at any time and I need to. Told the Supervisor to take it to the C  E  O if he has to but I need the contract cancelled and the money back. Tried to insist they do not give refunds and like I told them it is money they took from me without my permission.     I need help getting this contract closed and my money back. They tried to quote  State  law to me but they do not have a leg to stand on. Please do something about this company before they scam someone else the way they did me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: AMERICAN EXPRESS COMPANY
State: OH
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 verbal and written requests to validate a debt that Amex continues to claim is mine but has NEVER reported on my credit until they decided to pull my information from personal accounts I held with them, which is also illegal, and then they simply reported it as charged off because they could not validate the debt after MULTIPLE attempts requesting them to do so ; they have failed to verify this debt is mine via the agreement/contract. I have spoken to MANY people at the company and they have all said they would send me proof, but they never have. I have never had an account with Amex ending in XXXX. Furthermore the company is in violation of the FTC 's Fair Debt Collection Process, as they sold this debt to a third party debt collector and then reported this debt to my credit as charged off which is illegal to do once a debt has been sold ; debt was sold to XXXX. This debt needs to be removed from my credit immediately due to their failure to validate this debt after 14 attempts and phone calls requesting them to do so. Their last response to a complaint we filed was completely inappropriate as it failed to meet the requirements of validating a debt under the Fair Credit/Collection Process. They simply attached their card holder agreement terms but never proved that this debt was mine once again. I am prepared to hire an attorney and seek damages for their illegal reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
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: Public record information inaccurate

Complaint:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint submission is in regards to a false credit report by EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information regarding this alleged debt. I spoke with another representative who gave me their company 's fax number so I could forward them a Debt Of Validation letter, which was sent on XXXX XXXX. It was confirmed through fax confirmation that a EOS CCA representative had received the files ; however, after 30 days of notifying them, still no response. At this point in time EOS CCA has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$1000.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am firmly requesting EOS CCA immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. EOS CCA is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice on XXXX XXXX that I had a collection for a bill dated XXXX XXXX, XXXX I think, when I called the Hospital to as about this alleged billed the Hospital denied knowing anything about any bill in my name since I have never been there. I have lived in another Country since XXXX and only return to america once a year.I had disputed the same bill from a different collector a few weeks before which was proved false now a new company is trying the same thing and affecting my credit.Each year this same amount ( {$220.00} ) seems to appear over and over again. Please resolve this issue it is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: CREDIT ACCEPTANCE CORPORATION
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Company : Credit Acceptance Corporation -  XXXX  MI  XXXX  I received a notarized/registered letter, stating that we are in default on a contractual payment with them for a   XXXX    XXXX   XXXX . We are not in default,, the payment is automatically withdrawn monthly, so I called Credit Acceptance Corporation to advise them of this. They did confirm that the letter was an error, and we were not late on any payments regarding this vehicle, and never have been. The reason we got the letter was because of the state and area we live in, said the supervisor. This is discrimination at its finest, I feel that it falls under harassment and I want something done about it. As well, I asked for an apology letter so I could have that in my file, was told " they do n't do that. '' Hmmm??? They can take the time to pay someone to type a discriminate letter and notary but can not simply type an apology letter, when a mistake has been made? Not acceptable! I feel they needed to check to see where the money was coming from before sending a letter of this magnitude out. Tells me that their accounting department is not reliable, read some other customer comments, which confirms the belief.  <P/> Action taken by me : I called Credit Acceptance Corporation to discuss this notarized/registered letter. I spoke with a supervisor and he informed me that the reason I received the letter was due to the state/area I live in. Very unprofessional and discrimitive.

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 2020-02-29
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I checked my credit and discovered that this company has reported that I failed to pay them for services rendered. Ive check my records and I have never done business with this company and never entered in a contract to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Diversified Adjustment Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Between  XXXX   XXXX ,  2017  and  XXXX   XXXX  a collection was added to my account with no written notice that this account would be added.     Per law  15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 busine ss days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On  XXXX   XXXX   2017, I sig ned up for one year of credit monitoring services with Equifax  Personal Solutions 's Complete Advantage Plan. This product is advertised as providing " cre dit report assistance '' and prioritized customer support.  <P/> On  XXXX   XXXX     2017, I ob tained a judgment for a legal name change and contacted Equifax immediately to inform them that, as the judgment was tied to a protective order, I needed my name change expedited on both my customer account as well as my credit report ( for the latter, I initiated the formal disputes process ). Equifax did n't provide me with any information over the phone and my emails received no responses for days at a time. Eventually they told me that I needed to fax them another copy of relevant legal documentation, even though I had previously emailed it to them twice and submitted it with my consumer file dispute on  XXXX   XXXX   2017.   <P/> On  XXXX   XXXX   2017, I  sent Equifax the required information for a fourth time, this time sending via fax. It has now been eight days and I have not received any acknowledgment of receipt, nor has my name been updated on my consumer account.  <P/> In addition, a number of features tied to the Complet e Advantage Plan revolve around comparing your credit to others in your geographic region. This feature is still pulling a ZIP code of mine from two  years ago, not in alignment with my credit report or customer account. I 'm paying for a feature that I needed that does n't even work.  <P/> I am very unhappy with the fact that I am paying Equifax a premium for prioritized customer support and this matter has gone without resolution for 40 days now. Due to the urgency of this matter I have decided to escalate accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
First off let me start by saying that THIS IS NOT A REINVESTIGATION REQUEST. I've made several attempts to remind your of your obligations pursuit to 15USC 1681. It seems as if you are intentionally and willfully being neglectful in remedying my affairs.

USC 1681E ( b ) assures that I am due, promised accuracy in my report based on federal law. I am sending this complaint as another attempt to have these errors corrected. 15 USC 1681 ( A.5 ) says that after the reinvestigation all of the unverified information must be promptly removed. As you can see from your records, these accounts were disputed without being properly investigated, thus I know that they can not be validated or verified. 
The accounts that I am referring to are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation