BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates is reporting an inaccurate debt that was in face paid in full to the credit bureaus under my name. This company has harassed me in an attempt to collect a non legitimate debt, and then continued to call me after the debt has been paid in full. Portfolio Recovery Associates is reporting a closed account to all XXXX credit bureaus and has shown to use non legitimate information to verify the debt. I have disputed the account to no avail, and the company refuses to delete it from their record. Even though the account was paid in late XX/XX/XXXX, Portfolio Recovery associates has continued to report this account, the latest time being XX/XX/XXXX. This is an unfair representation of my financial history and should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Amsher Collection Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had an account with XXXX phone service in which we did not receive signal on the phones. I ( and everyone on my plan ) complained to the company in store several times, as well as on their company phone number and were told they were working on the towers so it would be resolved soon. After a couple months with no resolution we asked them to close the account. In which case they sent us a bill for canceling the account and then some. I disputed the bill in writing several times and had yet to receive any response to the matter. Now I see that this is on my credit report and I wish to see an investigation into this as I do not feel I should have to pay for service that does not work nor pay to cancel such service. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: DISCOVER BANK
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wanted to have late payment forgiven for XXXX  made in XXXX XXXX days. I was late due my job cutting my hours in XX/XX/XXXX and XX/XX/XXXX and then laying me off due to covid 19. In XX/XX/XXXX. I requested forgiveness for late payments made to td bank In XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 
I was laid off in XX/XX/XXXX. I contacted both companies and did not forgive after phone calls and sending good will letters. Discover card would not remove payment made late in XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. My hours were cut in XX/XX/XXXX and I was laid off in XX/XX/XXXX. They closed my account knew I was in Hardship and refused to help at that time. I had since then made payments on time for all three credit cards. I contacted company and refused to give me forgiveness even after closing my account and good will letter. XXXX XXXX I contacted company with goodwill letter and refused to forgive. XX/XX/XXXX late payment I was laid off. XX/XX/XXXX XX/XX/XXXX my job cut my hours. In addition household closed my account. I was late in XX/XX/XXXX but my boss cut my hours. They also closed my account and refused to forgive after phone call and good will letter. XXXX  late XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and they refused to forgive my late payment Even after I sent the goodwill letter and called them. Also I my job cut my hours in XXXX XXXX and XX/XX/XXXX was laid off in XX/XX/XXXX. This why I was late I have made my payments on time since then to all companies listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: TN
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:
I closed my account and paid it off with XXXX XXXX years ago and they have not removed the collection from my account. Now XXXX XXXX is reporting, as of XX/XX/2022, that I have a collection/charge- off account with XXXX and equifax. I do not have a collection account with them. I called and spoke with multiple employees who confirm I do not owe them money but they still have not removed or corrected this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : MIDLAND FUND Account Number:XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: CASH AMERICA INTERNATIONAL, INC.
State: ID
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did not incur this debt and when does the statue of limitation ends?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: AL
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand my accounts be verified or deleted immediately. 


( Attached, I have my Credit Bureau Letters, 2 forms of ID, FTC Affidavit )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Bank of China USA
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
An internet scammer broke into a XXXX XXXX XXXX 's e-mail account and started sending requests to clients for money 'because the lead guide is very sick and needs help with medications. ' The info the scammer provided for the transfers is with the Bank of China in XXXX. I checked through another channel and determined what happened and sent no money, but someone else did - and lost {$2500.00} about a month ago. I called the Bank of China branch in XXXX XXXX and reported it today, asking them to shut down the account, which is based in mainland XXXX. The agent said no can do. You see, BOC is a big company and they could n't possibly figure out who to contact about that. She said it was better to just file a police report. I ask the obvious : Wo n't the cops just call you and ask for the same? She replied 'maybe, but we ca n't help them either. ' Here 's what the scammer sent to me on XX/XX/XXXX after I heard my XXXX guide and his family were sick and asked about their welfare via the compromised email account : " Dear XXXX, Thank you for your kind message and we are happy to hear that XXXX got out of XXXX successfully. And yes i receive the money XXXX sent to my XXXX bank. And am not very OK as i have been very sick since the past month and some of my family members because are very sick and we do n't have enough money to receive medication and i just came back from village yesterday. Things are a very difficult for us now and with a little help from you we can get through it my friend. We really are grateful to every help you have given to us we owe you are lives and me and my family are thanking you. <P/>Any amount you can send to us will go a long way to solving our issues here. <P/>This is my agent XXXX bank account below with XXXX XXXX  details also and i suggest XXXX XXXX will be faster and more easier, but whichever one is easy for you we accept in good fate. see account below. <P/>Beneficiary Address : No XXXX XXXX XXXX XXXX XXXX Account No. : XXXX Beneficiary Bank Name : BANK OF CHINA XXXX XXXX SUB-BRANCH Beneficiary Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Swift Code : XXXX I also suggest you use XXXX XXXX as it is more faster and we can receive on time. see our agent XXXX XXXX
details also. First name : XXXX LAST NAME : XXXX. CITY : XXXX. COUNTRY : XXXX ADDRESS : No XXXX XXXX XXXX XXXX XXXX Awaiting your kind response. my prayers for XXXX to get well and strong XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX : XXXX, XXXX, XXXX Tel : +XXXX XXXX XXXX Fax : +XXXX XXXX XXXX Cell : +XXXX XXXX XXXX Mail : XXXX???????? XXXX Web : XXXX '' The bank information is the scammers. The other company information is genuine.

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 2016-09-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
My original dispute was sent certified mail to Experian on XXXX XXXX, 2016 ( Report Number XXXX ). 
Experian responded within 30 days verifying certain items. Based on that investigation I sent another letter on XXXX/XXXX/2016 requesting the Method of Verification ( MOV ) for the items that was verified. 
Experian on XXXX XXXX, 2016 failed to provide myself, the consumer with documents, addressing the exact procedures they used in the investigation to ascertain the items as verified. My intended purpose of this is to know if Experian contacted the furnisher of debt directly, or used a third party ( if so who? ) and what documents was used to verify items as accurate. According to FCRA Section 611 ( a ) ( 7 ) that governs the request for MOV, Experian had 15 days to respond. They failed to deliver a proper response within allowable time. Experian 's inaction and non-compliance in this matter is inexcusable, and their disregard for the law is contemptible. 
On XXXX XXXX, 2016, I notified Experian of my intent to file a complaint, if they did not delete and remove all the disputed items as pursuant to FCRA 611 ( 15 U.S.C. 1681I ). 
Note : Experian has circumvented and abused the legal system, by responding to every letter I sent, regardless as to the content, as a new claim to reset the clock.

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 2020-01-17
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit System is attempting to collect on a debt that they claim I, my wife and roommate owe for XXXX XXXX XXXX claiming they were not giving notice of our move out. I sent them a letter requesting that they validate the debt and provide documentation that they are licensed to collect this debt. They have ignored my dispute letter which included the notice of intent to vacate that I sent to XXXX XXXX XXXX and are now threatening to report this debt on my credit report and the credit reports of my wife and former roommate if I do not pay them immediately. They claim they did not receive the dispute letter I sent but I have proof that a representative of theirs picked up the letter and signed for it at the PO Box they  instructed my to send a dispute letter. They have also ignored my verbal requests for the documentation validating that this debt is valid and that they are properly licensed to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not receive a reasonable investigation regarding accounts which are listed within my credit report in error. The credit reporting bureau referenced continues to verify and validate the following accounts as accurate when they are not valid and do not belong to me. 

XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-11
Company: EQUIFAX, INC.
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 uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$9.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXXXX XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
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: Information belongs to someone else

Complaint:
I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2017-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion reinserted deleted inquiries and accounts on my credit 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 2016-02-28
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am trying to apply for a car loan and have a security freeze on my Experian account, I paid the XXXX dollars to get this lifted on XXXX/XXXX/2016 and then they XXXX XXXX can back and said they could run file because I had a federal fraud alert on my phone number. My phone number was not listed in my file, I tried to call Experian they would n't help me over the phone so I logged on and put my phone number on file. Then they said I still had a federal fraud alert on my phone number which is impossible it 's the same number I have had for over 15 years. I just unlocked my security freeze 2 months ago and everything ran perfectly I ca n't get any answers or help from Experian and I am going to lose this deal. If I ca n't get this closed by Monday XXXX/XXXX/2016 it will cost my over XXXX in rebates and discounts.

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 2020-01-17
Company: ALEXANDER-ROSE ASSOC, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon checking my credit i noticed an account listed from a previous apartment complex called XXXX XXXX in XXXXXXXX tx. The collection agency reporting the {$5200.00} debt was Alexander Rose also respectively located in XXXX. The lease was from XX/XX/XXXX to XX/XX/XXXX, a 1 year lease. The lease was satisfied according to agreement however inflated and unlawful charges were applied, i contacted XXXX XXXX in XX/XX/XXXX and spoke with the property manager and discussed multiple instances of this as reported to the XXXX. We agreed upon forfeiting the security deposit to settle any and all past due charges. Fast forward to XX/XX/XXXX and its still reporting as past due and the amount is {$5200.00}. I reach out to alexander rose inc. In XXXX of XXXX asking for validation. They told me debt was valid and must be paid. XXXX XXXX, the original creditor was SOLD in XXXX and now belongs to new owners called XXXX XXXX Alexander Rose is and has been trying to collect money fraudulently dye to the fact tey DO NOT have a current contract with XXXXXXXX XXXX and Alexander Rose does not own or have purchased the alleged debt as it states on their website. I have never signed a contract with Alexander Rose so they do not have authority or authorization to collect. If i was to pay alleged debt Alexander Rose woukd pocket 100 % of revenue as there is no one for them to pay. An email conversation dsting XX/XX/XXXX with original creditor XXXX XXXX property manager XXXX XXXX reveals they have NO Record of my account and contacted corporate offices which also confirmed no debt with XXXX XXXX. Akexander Rose has violated the FDCPA and FCRA and should be fined accordingly and my account deleted and removed from all credit reports immediately.

Company response to consumer: Closed with explanation