BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
A hard inquiry is on my credit report from XXXX XXXX. Ive contacted all 3 major credit bureaus on XX/XX/2021 and told them that it wasnt mines and that I had no knowledge of it and they refuse to move the hard inquiry or even considered that Im a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I leased a XXXX XXXX XXXX thru XXXX XXXX XXXX program ( XXXX XXXX XXXX ). I was making weekly payments of approximately {$150.00}. 

At the end of XXXX XXXX XXXX XXXX went out of business. The existing lease contracts and vehicles of XXXX XXXX XXXX program was purchased by XXXX XXXX XXXX. I kept making payments to the XXXX XXXX XXXX. I kept the car until XX/XX/XXXX and I had never missed a payment. I made all the payments on time and had no complaints from both of those companies. I returned the car at the end of lease agreement and paid the final bill. I've never received any notice from them after returning the car. 

Besides that, I kept doing business with XXXX XXXX XXXX and leased 2 more cars in the following 2 years. I used each of them for approximately 1 year and returned them without any problem as well. Everything was fine up until I get this notice from a collection company called " Receivables Management Partners ( RPM ) ''. 

RPM claims that I owed XXXX XXXX XXXX {$720.00}. I explained them that I didn't owe anything but they asked me to get a proof that I don't owe XXXX XXXX XXXX any money. Both XXXX XXXX XXXX and XXXX XXXX XXXX have ceased their operations long time ago. Therefore, I can not get in touch with any of those companies and ask for a proof. 

The debt that RPM claims to belong to me, has never been requested from me by the companies that I allegedly owe. Neither XXXX XXXX XXXX nor XXXX XXXX XXXX contacted me about a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am filing a complaint against State Collection Services, XXXX XXXX XXXX XXXX, XXXX wi, phone XXXX. State Collection Services placed a derogatory item on my credit report XX/XX/XXXX.I have never received any correspondence, bills, notices, phone calls, or any other attempt to reach me before this action took place. I called State Collection Services and they informed me that it was for a medical bill, from XX/XX/XXXX. They could not verify the details. I have been at the same address for XXXX, same phone for at least 10yrs, and nothing was sent to me regarding this Item. I have requested Validation of the Claim from both the Collection company and XXXX. The action of affecting my credit rating without making a reasonable attempt to make any contact seems at the very least inappropriate and at its worst- likely unlawful. In speaking with the representative from State Collection Services, I was able to learn that the claim is a medical claim, but they could not provide any further documentation. They would have to request that information. It seems that to put an item on a credit report without a satisfactory attempt to reach me and without having the details of the claim, should be brought to your attention. thank your

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: AmeriCollect
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I viewed my credit report with Equifax and found many inaccuracies. On or about XXXX/XXXX/202 I disputed all the inaccurate information. As of today ( XX/XX/2022 ) I have not received a response or any information with regards to my disputes. On XX/XX/2022 I tried to look at my credit report and I was unable to for whatever reasons. I called Equifax and told them XX/XX/2022 on requested a copy of my credit report because of this. I was told that they were sending me a copy of my credit report yet I have not received it. I called again today and was told that they sent it to me however I never received it in my locked mailbox. Im still unable to see what they are reporting about me and if they have corrected the inaccurate information. It is unfair to have information reporting about me that I have no knowledge of or can not be made aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Mercedes Benz Financial Services
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:
We took out a loan to purchase the lease. The money was sent to Mercedes financial and the account was paid and closed. Approximately 3 weeks later they called and said we had to go through the dealership. I asked when they would send the money back and they said 14 business days, they did not send it within that time frame and I kept calling them to get it back. It took them 45 days to send the money back and within that time reopened the account and reported it late to the credit bureau. It was never late and I never missed a payment during the entire loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Experian Information Solutions Inc.
State: CT
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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: ESCALLATE, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They sent my debt to another collector and I paid them but they still have me in collections but I have no account with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: MI
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 filed a dispute before and it came back verified. it can't be verified it was removed from XXXX XXXX report. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Please remove this bankruptcy case from my 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 2022-08-26
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX BSI Financial purchase my loan from XXXX XXXX for servicing the home loan ; On XX/XX/XXXX while preparing my financial plans, I was notify by another financial institution that my homeowners insurance with XXXX XXXX had lapse and my account was closed due to none payment from my Mortage servicer BSI Financial, XXXX inform me that they have not receive any payment this year ; Upon learning this new found information immediately contact BSI via telephone, Voice messages, and Email no response; knowing this information I went on online to the XXXX XXXX XXXX Tax Collector, my.property taxes has not been service, paid, either by BSI ; I try to reach out again to BSI they are not answering there phone or responding to my inquiries. BSI Financial Service is in violation of the Consumer Financial Protection Act of 2010, the Real Estate Settlement Procedures Act, or the Truth in Lending Act by : Inadequately overseeing service providers resulting in untimely escrow disbursements to pay borrowers property taxes and homeowners insurance premiums.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 filed a dispute before and it came back verified. it can't be verified it was removed from XXXX XXXX report. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Please remove this bankruptcy case from my 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 non-monetary relief
Consumer complaint received 2022-08-26
Company: Choice Recovery, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX XXXX had the incorrect workers comp information and knew the debt was not mine but sent it to collections anyway. When I was contacted by Choice Recovery, I told them it was a worker 's comp claim and they still pursued the collection. 

XX/XX/XXXX, I was XXXX at work and filed a worker 's compensation claim. I was contacted by XXXX and given a worker comp claim number. 

XXXX XXXXXXXX XXXX began billing me Nine months later. I disregarded the bill thinking it was a way to get personal information and not a legitimate In XXXX, XXXX they turned the bill over to collections. ( Choice Recovery, XXXX OH } I XXXX XXXX received the wrong workers comp number from XXXX XXXX XXXX and wasn't able to file the claim. XX/XX/XXXX. I gave them the correct number and billing address. XXXX XXXX XXXX said they would resubmit the claim and contact Choice Recovery. I followed up with a call about three days later and they said they had contacted Choice Recovery. 

XX/XX/XXXX Choice Recovery submitted the debt to the credit bureau my credit score has dropped XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TMX Finance LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I XXXX XXXX herby file this complaint for the following reasons : 1. I signed a voluntary surrender on this vehicle XX/XX/XXXX after store manager XXXX sent it to me and I advised her where vehicle was at the mechanic shop. 
2. I feel treated unfairly as I will now be charged extra fees as a repo although I was in agreement for a voluntary surrender. Which was shady same day she mailed letter she then had it repoed. 
3. My belongings and my husband and children belongings are in their possession and over XXXX miles away I have no vehicle and I'm in an economic hardship and can not drive to get said items they could have called and met me in my hometown before repo to take. 
4. The auction company advised me XX/XX/XXXX if Title Max would give them permission they would be happy to mail our possessions back to my home address. 
5. Title Max out of retaliation refuses to give them permission to mail items back and therefore is impeding on my right to my possessions that I have no vehicle to drive over XXXX mi to retrieve. 
6. I was treated unfairly on several occasions I asked for corporate and or the district manager to call me she never called once! 
Title Max is a company of highway robbery and retaliation and put me in economic harm.

I request Title Max show and display empathy by mailing my property back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Macy 's mailing correspondence address is po box XXXX, XXXX XXXX, South Dakota XXXX. XXXX, the call center manager, has a Macy 's fax correspondence number at XXXX XXXX XXXX. XXXX is an offshore call center manager for Macys. 

I called Macy 's XXXX XXXX XXXX XXXX and spoke with XXXX. He told me he couldn't tell me if my current card was active and asked me to call a cell phone number. I asked for his supervisor. The supervisor was XXXX. She said that she was told that I tried to make a transaction and it was declined. I said that is not what I was not what I was calling about. I said, I want to know if my card is active. XXXX said, the card is active until XX/XX/XXXX. Then I was told by XXXX that I couldn't use my card now after she said I could because she said the system did a change on the expiration date and I could no longer use this card even though I did not request a change and did not activate the new card. 

Now I asked XXXX to let me speak to her manager and she says, the manager is not available. Then she said the manager is available and transferring to the manager and was put on hold. 

XXXX, manager says XXXX investigation is initiated. XX/XX/XXXX expiration fraud requires new card as of XX/XX/XXXX. XXXX says many customers have the same problem when a new card is sent the last week of the month Macys changes the expiration date to the future expiration date of the new card before it is activated and without customer knowledge or customer permission. XXXX, XXXX and XXXX are offshore contracted customer service for Macys.

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 2017-10-14
Company: EQUIFAX, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
I have sent four letters to Equifax credit dispute department started on XXXX XXXX thought out the months leading up to XXXX XXXX asking them to verified four accounts each time equifax mail me my dispute results alway say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. Equifax have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( 12 U.S. Code 5533 ) seems to be false representations and inclusion of inaccurate information this violating federal laws. Equifax is unwilling to verify any of these accounts, then under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Each letter I sent had a copy of my SS # and driving license inclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX sent a charge to a debt collections agency instead of contacting me directly. 

I attempted to pay my last XXXX bill after I rolled my phone number back to my parents ' family plan in XX/XX/XXXX. However, there was no charge listed on my account, which I checked online in late XX/XX/XXXX. However, T-Mobile still listed me as missing my last month 's worth of service and charged me, unbeknownst to me. They sent my account to a collections agency a few months later. 

XXXX never notified me of the charge. They said they sent it to my old address, which was my work address. My work forwarded all mail to me. XXXX said they called me. XXXX on the XXXX executive team said that XXXX had called me and left voicemails. I checked the date range where she said XXXX had called, and there were no voicemails from any XXXX numbers ( which XXXX said XXXX would have used to call me ). So there was no notice on my online account, no notice through phone calls, and no notice through written mail.

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 2020-03-18
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX/XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX - I called into file a complaint about them lowering my credit limit on account for marathon and representative who was on the phone with me was very rude and decided that he would be funny and started to close all of my accounts up and totally hurt my credit. I kept having to call back in to get my accounts opened back up. They would be open maybe a week or so and this man would close all of them back up again. I kept going back and forth with Comenity Bank for over a month or 2 and after that I just gave up. This destroyed my credit and took my score down tremendously. I have never missed a payment on these cards and never been late. Just recently they gave me the XXXX card back after applying forever for it and having to put all these hard hits on my credit. The XXXX card has such a low balance and by all those credit cards being closed other banks cards gave me a very low balance. I want all my cards reinstated and the balances on them increased. I am so glad I found out about this place ( CFPB ). As a consumer I should not have to deal with this ordeal and no one else should either. That man talked to me so rude and if I was beneath him. I have never been treated in such a manner The proof of what they did on my accounts is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In the beginning of XXXX my wife and I opened a Citi checking account. According to Citi they decided to close our account a few days later. Since I had no knowledge that our account is closing my direct deposit from my job got deposited in on XX/XX/XXXX. It is now XX/XX/XXXX and we do not have access to our money. The same day ( XX/XX/XXXX ) I received a letter from Citi saying that they will be closing our account due to a report from check systems which is not true. 

Either way if Citi knew the were going to close my account before my pay check hit they should have rejected the direct deposit. Now I have no access to this money that is MINE. I  have called Citi multiple times asking my direct deposit to be sent out. Citi is refusing to send me my money in a national pandemic.

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 2020-03-19
Company: Glass Mountain Capital, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by Glass Mountain Capital on XX/XX/2020 stating that I owed {$2300.00} to a company called XXXX for an XXXX. I was confused at first and then stated to them that I never made this purchase. I filed an identity theft report with the FTC and sent letters to both XXXX and Glass Mountain that I did not make this purchase and that I was a victim of identity theft. They sent me a lease agreement that I have never seen and it did not have my signature, but a digital signature with an address that I never lived at or recognized. I looked up the address and it is for a hotel. So without a confirmed address or Social Security number or drivers license how can a legitimate company give someone property in my name and expect me to pay for it.

Company response to consumer: Closed with explanation