BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

" If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: EQUIFAX, INC.
State: NJ
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 noticed an account from XXXX for {$75.00} and a few inquiries on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
EOS CCA is has reported a collection account on my credit which has severely impacted my scores and my ability to obtain decent housing. I was informed that my scores dropped and I was no longer eligible for a housing grant. EOS CCA is collecting for a XXXX XXXX bill from XX/XX/XXXX or XX/XX/XXXX but they list the account as opening in XX/XX/XXXX which is incorrect and impacts my scores more than if it was accurately reported. US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX states that credit should be reported accurately and if it is not the reporting creditor may be subject to damages. This is also a violation of FCRA Section 605 ( c ). 
When I discovered this collection account I asked EOS CCA to remove the account because 1- I do not believe I owe this debt and have previously made XXXX aware of this, 2- I believe this account is past the statute of limitations. XXXX is aware of the disputed account and EOS CCA has never attempted to validate the debt since I learned of it. I have not received anything from them since. They have refused to validate the debt. They never attempted to validate the debt before reporting it as I have lived at the same address for many years. This is a violation of FDCPA FDCPA Section 809 ( b ) and the FTC opinion letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Experian Information Solutions Inc.
State: MO
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:
The following account is not mine and is an result of fraud please remove this account immediately. 

1. XXXX  XXXX  XXXX {$1100.00}

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX accounts below have violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- 15 U.S.C. 1681 Section 602 A., states I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2, it also states a consumer reporting agency can not furnish a account without my written Instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: EQUIFAX, INC.
State: PA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: WI
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 contacted XXXX on XX/XX/XXXX via and requested that the inquire from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, along with XXXX XXXX dated XX/XX/XXXX be removed from my credit report. I was informed by XXXX that I needed to contact the companies directly. I informed them that these inquires took place when the freeze was removed from my account, and it was no made by me applying for XXXX XXXX card, I already have one with a 13k limited and was not looking to refinance my home, my current interest rate with XXXX XXXX is 3 % and I did not authorize either company to pull my credit report for any reason. But, I was still told to contact the companies. Due to the pandemic I had no luck with connecting with the mortgage company XXXX XXXX that could help me during this time. With XXXX card, I spoke with someone and the lady said she would send the information to the fraud/investigation department, because I only became aware of the inquire in XXXX due to the denial letter I received in the mail, I never received anything regarding the XXXX inquire. I received a letter from them stating the inquire would be removed and they would contact XXXX, but it was only for the XXXX inquire, I also received a letter stating they would remove the XXXX inquire and they would only contact XXXX. Please review the attached letter for XXXX and XXXX inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Santander Consumer USA Holdings 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:
fcra violations not mine : XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attempted to reach XXXX wireless to itemize this bill without success. I am unclear about the charges that are being represented. Furthermore, both XXXX XXXX and a third party collection agency are attempting to collect this debt, which would result in significant overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I tried to talk to a representative of the collection agency and they said that although I paid my collection amount through them, they refused to take the account off my credit report. When I pleaded with her to give me a valid reason for the refusal, she stated that they essentially just wanted to keep it on my record. The debt was for medical lab work for {$140.00}, which I paid in full. Is that right, can they just refuse to take my debt off my report? This happened about a month after I paid the collection agency, Eastern Account Systems, which was on XX/XX/2021.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America has decimated against me and accused me of authorizing transactions i have not made. I had three charges posted on my account by XXXX XXXX from XXXX totaling {$1500.00}. 

I disputed the transactions on XX/XX/XXXX and was told on XX/XX/XXXX, the claim was declined because I utilized mobile banking during that time and it is my responsibility to review each transaction each time I login. 

I stated I have never reviewed each transaction in the past and due to my work schedule I hadnt had time to review in detail. The associate opened the claim and said with the additional provided information it should be resolved soon but they did have up to 45 days. I provided the police report number from a burglary that occurred in XXXX. This gave insight to my laptop and XXXX  being stolen. I was not able am to file an additional police report as I have had XXXX 

I have called several times inquiring on my claim and was told there was an investigation being conducted, I would receive additional documents to support their decision. 

My claim was declined again on Monday, XX/XX/XXXX. I called Bank of America on XX/XX/XXXX and was told the investigator closed the claim because he felt I made the transactions. I asked for additional time information and documentation to support this decision to proceed with the steps to seek assistance with identity theft. The supervisor stated there was no documentation as the investigator made this decision on his gut feeling and noting more.

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 2020-01-06
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection company keeps repeatedly paying a low amount ( $ 1- {$2.00} ) on the debt, but are saying that I paid it. I have not paid anything on it since XXXX of XXXX. The account has been tampered with on several occasions over the last XXXX years. The last time they say I made a payment was XXXX of XXXX, but I didn't. Also, I would like some kind of proof from them showing where I paid them these ridiculous amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Bank of America is just so slow with transactions and updates

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 2020-01-06
Company: Army and Air Force Exchange Service
State: NC
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date  opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2017-07-24
Company: HOVG, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never contacted from XXXX or Bay Area Credit Services, I contacted them, after receiving a alert from the crediting monitoring service because of having identity theft and fraud on my credit. I immediately notified the company XXXX ( XXXX XXXX XXXX ) billing department. I was quoted an address and phone number that was over 17 years outdated not being mine. I informed them that I had used the ambulance service back approximately XXXX/2016 and I had insurance with XXXX and XXXX that should have paid 100 percent if they were billed correctly by XXXX. The billing department confirmed with me they had the wrong information although I was picked up at my home in XXXX XXXX that some how they were sending the bill to an address in XXXX and their information was 17 years outdated. So I was not notified of the debt nor did they billed all the insurances XXXX and XXXX. I was told to work with the collection agency by the person on the phone with XXXX. I informed her that she should pull the debt back since it was their error for sending the bill to the wrong place even though the driver of the ambulance was given all my right information and all my insurances to bill at the time of service. She informed me that she would try, but I have no faith that it will be followed through with based on them making such a huge mistake in the first place. They offered very little help to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Servis One, Inc., Titusville, PA Branch
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
mortgage service company ( BSI Financial Services ) is not disbursing insurance funds for repairs caused by a faulty appliance. I have attempted to contact BSI 's loss mitigation office on 5 separate occasions and was told they do n't have the necessary files and that they have recently taken over the handling of the loss. I was asked to call back in a couple days and this has gone on over two weeks. I requested they expedite the matter and was told they had no information and to call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Opened a car loan XX/XX/XXXX, last payment was XX/XX/XXXX which is incorrect last payment was XX/XX/XXXX, also the company claims they have a default judgement against me. My complaint is that the reporting info is incorrect of last payment, also the company closed my account XXXX XXXX 6 years later and updated it after i disputed in accuracy 2x now my score has dropped again 52 points after it dropped 100 6 years ago. The reporting is incorrect and reporting late in the past 60 days which can not be possible at all. My calculation now is based off a 60 day late with in the last 60 days. I have loss my home loan due to this and now Im paying for something 2x and its set to fall off XX/XX/XXXX this year but Im being calculated as if this is a 1 year charge off. This isnt fair or possible. My last 4 of social is XXXX. My date of birth is XX/XX/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 2022-06-10
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
Over the last year I have been getting notifications of hard inquiries on my credit report I reported to the businesses and the credit bureau I did not authorize the inquiries stay signed up for fraud alert to help stop the fraudulent inquiries but somehow the acquirees I still being made and has not been taken off after a number of a text to remove the an accurate information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was misled by the university XXXX XXXX XXXX XXXX XXXX XXXX when they led me to believe that I would be able to earn a livable income given the amount of debt I was taking on. I graduated from XXXX XXXX XXXX XXXX with {$130000.00} in student loan debt. As of today, I have {$130000.00} in student loan debt - nearly 20 years later, despite making reasonable regular payments. My loans were shifted to numerous services, mostly recently Navient. I spoke repeatedly with Navient about reducing my monthly payment of {$950.00} ( XXXX my monthly rent ) only to be told there were no other options available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company XXXX shows I have an open account balance from XXXX XXXX 2015. I have not opened or have had an account in the past 7 years with XXXX and never had any balances due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a title loan with Titlemax in XXXX, Ga. I was not properly explained how much this loan would cost me. This vehicle was also repossessed 2 days before payment was due as I had cleared it with XXXX, the supervisor at that time. I have been treated unfairly by TMX the finance company as they have harassed my references with alot of harassing phone calls and actually showing up in XXXX, Fl knocking on a friends door. During this time I have had contact with Titlemax. I do n't feel this is fair practice and something needs to be done. Each time I make a payment it seems like not much comes off, as I pay XXXX a month and have been all the time since XXXX.I did get my payment lowered once they repossessed my suv, but noticed extra charges on there as a repo charge and some other charges, The repossession was Titlemax 's fault so I should n't be charged extra fees for this. Please something needs to be done. They do n't explain anything as far as fees added on and interest rate. My son had to be hospitalized and have XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
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:
University of XXXX has been on my report since XX/XX/2011 thats 7 years and one month I would like for it to be DELETED IMMEDIATELY I have disputed this account recently and their response was that this account has been updated.

Company response to consumer: Closed with explanation