BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-06
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received multiple missed phone calls from Debt Collector, they did not leave voicemails. 

I called the phone number back today to find out who has been calling me. I was told that they were a debt collector looking to collect a debt. They gave me the information that asked for, their phone number and address : XXXX XXXX, PA XXXX. 

I told them that I had not received a letter in the mail informing me that they are collecting a debt, which I have not received, and that they should not call me until I receive that letter. I also confirmed my phone number with them and told them that they can only contact me at that phone number, no others. 

I expect the letter within five days of this, our initial communication, as I have not been fully informed about the debt. I did request some information and was provided with the following : amount owed, date account open and date account went delinquent, last payment amount, original creditor and type of account. I understand that there is more information due to me regarding my actions and rights that were not obtained in this phone call. 

I also asked for the name of the debt collector and was told it was XXXX XXXX, but when I searched the number ( XXXX ) XXXX online, I found the following information : FBCS Consumer Contact Solutions Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX https : //www.fbcs-inc.com/contact/ This may have been an understandable communication error or they may be calling on behalf of the debt collector XXXX XXXX, but I am not entirely clear. 

Here is the information regarding the missed calls and no voicemails from the debt collector : Call from XXXX on XXXX XXXX, 2016 at XXXX. 

Call from XXXX on XXXX XXXX, 2016 at XXXX and XXXX. 

Call from XXXX on XXXX XXXX, 2016 at XXXX and XXXX. 

As of now, my complaint is regarding the phone calls. 

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 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Good morning. I was sent to collections by ideal collection services inXXXX due to an outstanding debt I had with my abusive ex husband that I now finally divorced in XX/XX/XXXX but left in XXXX and had to move out of our old place which was moldy and made our XXXX XXXX XXXX son sick so I took him out of there and had a lot of stuff going on those years which by the way made me a stronger person and came out of it even stronger then when I came in the relationship so I thank God for that .... however after I was sent to collections I was in the middle of a nasty divorce with my ex, my sons custody battle, working XXXX jobs etc and it was very difficult trying to pay all my bills. I was not able to divorce my ex and get the paperwork finalized until XX/XX/XXXX at which time I had to finally take out a loan through XXXX XXXX XXXX to take my name off my credit report And pay ideal collection services their Monies to be able to get housing in XXXX Colorado as I am trying to relocate to be closer to my father. I went through my report with a fine toothed comb and tried to pay off ANYTHING THAT MIGHT potentially hurt me with my score or to try to get anything to boost my score up.. so I paid off ideal collection services SEE ATTACHED LETTER ... I have tried to get them off my credit report now since XXXX and they will NOT EVEN TALK to me and wont get this negative report off my account after numerous calls and 1 dispute to all credit bureaus was all I was allowed and they never even did anything with them. The girl that works at ideal collection services is quite harsh and not too kind as she wont budge and be compassionate with me and understand what I am going through to finally take this off my credit report as it was paid. I was able to finally take out a loan to pay them in full but monthly to XXXX XXXX to get this off even though the interest rate is atrocious but whatever I paid off my debt but its STILL hurting me as people who check my credit can still see this negativity in my report and I am begging you to please get them to take ideal collection services off my report. I had 2 other accounts in collections which was paid off and they removed my accounts. Please I am begging you to help me remove this collection account off my credit please let me know as I pray everyday to get this resolved so I can move forward in my life and be able to get a place to live in XXXX to be closer to my family. Thank you so much for your time

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 2020-01-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have tried to fix a collections account with XXXX in the amount of {$990.00} I have written letters to both XXXX And the 3 credit bureaus. They are reporting an amount I owe as {$990.00} for an account that was open fraudulently, I never received any foods or services from this company. When I received the first original letter back on 2018 the amount was for {$490.00} and now it is reported for {$990.00}. I have asked for paperwork showing my signature where I actually purchased anything and they have not been able to produce such paperwork. I have asked for it to be removed but keep getting its being reported correctly. It is not l, this account was opened fraudulently and is not mine. I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: DC
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 Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This is for the following accounts : XXXX XXXX XXXX XXXX XXXX - - - Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type TIMESHARE LOAN Date Updated XX/XX/XXXX Payment Received {$15000.00} Last Payment Made XX/XX/XXXX Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Monthly for 120 months Date Closed 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 2022-06-16
Company: EQUIFAX, INC.
State: DC
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 Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This is for the following accounts : XXXX XXXX XXXX XXXX XXXX - - - Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Phone Phone number not available Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type TIMESHARE LOAN Date Updated XX/XX/XXXX Payment Received {$15000.00} Last Payment Made XX/XX/XXXX Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Monthly for 120 months Date Closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was using my card ( XXXX XXXX XXXX ) on XX/XX/2019 for various purchases and at the end of the day overpaid my account to the point now where I have a credit balance of {$10000.00}, which is locked into my account because they closed off my access to the card and I have no means to use the card nor withdraw my money from it. 

I have called them multiple times in the last 2 months with the most recent being today ( XX/XX/2019 ) and all they say is my account is in pending process and they won't know when I will receive notice on my account/credit balance.

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 2020-01-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The below mentioned accounts I have never had an account with these companies, I have never conducted any business with them and I don't know who they are. Yet they are reporting these accounts on my credit report. 

XXXX XXXX Balance {$170.00} opened XX/XX/XXXX XXXX XXXX Balance {$270.00} Opened XX/XX/XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$810.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$880.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$1300.00} Opened XX/XX/XXXX XXXX XXXX Balance {$320.00} Opened XX/XX/XXXX XXXX XXXX  Balance {$270.00} Opened XX/XX/XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$1300.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$810.00} Opened XX/XX/XXXX Portfolio Recovery Balance {$880.00} Opened XX/XX/XXXX XXXX of the collections reads : Acct # XXXX Original Creditor ( there is no creditor name and or contact information provided ) Balance {$170.00} Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: CA
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, the following accounts : XXXX. " XXXX XXXX XXXX '' Account Number # XXXX ( Original Creditor : XXXX XXXX ) XXXX. " XXXX  XXXX  XXXX  '' Account Number # XXXX ( Original Creditor : 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 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 explanation
Consumer complaint received 2019-05-15
Company: EQUIFAX, INC.
State: VA
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:
XXXX allowed companies to access my credit report and place hard inquires with out my permission and now they blame me and will not remove them. 

The law is clear when you can not prove that I gave you access to my a profile you MUST remove the incorrect info not just they have a wright to do anything they want and hurt my credit. 

XXXX XXXX dob XX/XX/1962 SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: SYNCHRONY FINANCIAL
State: LA
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 am a victim of identity theft someone has inwuired to hsn nut it was not me they say they can't move it even thought it's identity theft So if they were viven credit I'm suppose to pay it also this a fraud

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 2020-01-12
Company: Retail Merchants Associates
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Retails Merchant Association has a collection on my credit report for a debt that was paid as a result of a lawsuit by my attorneys. I have filed several disputes ; however, they continue to say the debt is accurate and refuses to remove the false collections off my report. Further, they harass me by continually calling to collect a debt that's already been paid to the original creditor. This debt needs to be removed and the phone calls need to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX a loan officier from 5/3 bank came to our business and stated the bank was defaulting our loans because we were in arears on the property taxes of the building they financed. After a great deal of discussion we agreed to close our 17 year family business and sell off all assests including the commerical blg and forward all proceeds to 5/3 bank to pay against the balance of our XXXX loans approximately {$300000.00}. For our cooperation 5/3 said they would assist us securing an OIC from the XXXX which would if accepted remove all liens from our personal property and nullify the personal guarantees. We worked with XXXX XXXX and by XXXX or XXXX the business was closed, all assets sold and monies turned over to the bank. XXXX then immediately proceeded to draw the documents to present to the XXXX. We submitted ALL required docs including personal finance and tax info. The XXXX responded on XXXX occassions simply commenting that their paperwork was not completed correctly and again working with XXXX we made the corrections and resubmitted. Now comes XXXX XXXX and communication from the bank stops completely. We can not find anyone who will assist us and find out what is going on. Forward to XXXX XXXX we are assigned a new loan officier finding out XXXX had left the bank. The new officier is XXXX XXXX. She has none nothing but delay the closure of these issues. We had to resubmit paperwork, personal financials and tax info over and over simply because of inaction on the part of 5/3. 

Bottom line wehave fulfilled every single request set forth by 5/3 with devastating consequences to our personal situation. At XXXX and XXXX years old this entire process has caused us great emotional distress. It needs to come to closure, 5/3 needs to step up and meet its end of the baragain and get the OIC signed, sealed and delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Levy & Associates, LLC
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I received a collection letter from Levy Associates LLC of a debt that does not exist. I requested information on this debt and they could not provide it to me. They sent me a copy of a Judgement dated 20 years ago and they sent it a couple of months after the collection letter was sent. The last time I looked at my credit bureau report the debt was not there. I am making this report so that someone knows that these people are committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the 2nd time, JGW has reported a deliquency on my credit report due to the fact they did not post my 1st payment to the correct account.

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 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/2019 I was in communication with XXXX XXXX, after cancelling my services, as to the final balance due. After a series on errors on their part, including but not limited to discrepancies as to when services ended, when equipment was actually returned, credits owed, etc. I made a final payment of {$580.00} in XXXX, only to be placed in Collections in XXXX for the full amount of {$780.00}. I alerted the FCC and eventually the NYS Attorney Generals office, in addition to TransUnion, after my credit score went from XXXX to XXXX. Now XXXX has also gone in and lowered my score an additional 8 points down to XXXX, which I also do not understand how your credit score can be lowered twice for the same item! 

In all my correspondence I have included copies of bills with errors highlighted, a letter from the XXXX Executive Relations office dated in XXXX stating my balance had been adjusted to {$590.00} and a copy from my banking institution showing my payment of {$580.00}. I can provide all necessary copies to your organization upon request, however XXXX, XXXX, the Atty General 's office and the FCC have copies as well.

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 2016-04-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a XXXX mortgage, called an Equity Flexline account. For over a year, I have been charged a monthly " Past Due '' fee of {$9.00}. I have not made a late payment during this time. Every other month I call or go in to correct the error, every monthly statement shows the fee. I have twice paid the fee separately. I have XXXX receipt showing the fee paid. I also have a statement showing the submitted request id # made to correct the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: CA
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, the following accounts : XXXX. " XXXX XXXX XXXX '' Account Number # XXXX ( Original Creditor : XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX  '' Account Number # XXXX ( Original Creditor : 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I paid {$1500.00} to my Regions Visa credit card through my Regions online banking account. The " deliver by date '' was XX/XX/XXXX. A minimum of {$40.00} was n't due until XX/XX/XXXX. My payment of {$1500.00} was withdrawn from my Regions checking account on XX/XX/XXXX. A week later, I received a paper statement claiming that they did n't receive payment until the XX/XX/XXXX. I called my Regions credit card with proof of timely payment. They apologized and removed their faulty fees. 
The following month, an almost identical situation occurred, only much worse. Not only wo n't they remove faulty fees, but are also attempting to charge interest for previous month 's balance which had been paid in full before the due date. I produced the proof of payment withdrawn from checking account along with confirmation number.

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 monetary relief