BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-14
Company: ERC
State: CA
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:
I have been repeatedly contacted by ERC. Every time that I have spoken to ERC, I have verified with them that the debt is not mine, the information that they have in their files is incorrect and the social security number that they have is not mine. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt. 

In XXXX, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints. 

I have been repeatedly disputing the ERC Collections account. This is not my accounts. 

I have spoken to XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt. 

In fact, The information that ERC has is inaccurate, the social security number used is not mine and ERC has confirmed it is not my social security. 

However, that being said, ERC reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted ERC on XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them that the social security number they have for this debt is not mine. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by ERC that they would be removing it from their files, which they never did. After speaking to ERC on XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
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: Account information incorrect

Complaint:
I do not owe this company ANYTHING. I have tried to fix this several times, I need some help. XXXX XXXX # XXXX through 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 2023-03-30
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-11-23
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: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my account has been diligently neglected by Experian. Despite sending them letter last XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. KINDLY REMOVE this account that is still reporting on my account : XXXX XXXX XXXX XXXX Opened Date XX/XX/2021 XXXX {$50.00}

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 explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: NY
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 have called equifax numerous times. I never consented to these inquiries. These inquiries are unauthorized. Delete immediately as you are in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: Risecredit, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
This company agreed to settle this usury interest rate account for {$1400.00}, I have paid XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX {$500.00} on the settlement amount, my credit report says I owe them {$4700.00} on a {$3500.00} account, I paid them {$2700.00} on this account before my income was dramatically reduced, I have sent them {$500.00} on this settlement amount on this account XXXX. Please have them update my account as paid in full. I am a XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Declared chapter XXXX bankruptcy. Still receive collection calls from this number. I asked for proof of debt. They have refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a phone conversation with Portfolio Recovery to try to settle my XXXX gas card account. I was threaten to sign a consent to judgement form when there legal team sends it in the mail. I did do what the Federal Trade Commission site recommended to call my first creditors for a settlement. And as the XXXX says its XXXX Credit card account at a time to settle. Now I have settled most of my account and no one ever said to me that I can not pay my debts without signing a consent to XXXX forms. In fact I settled XXXX account ( XXXX XXXX XXXX XXXX XXXX ) purchase by Portfolio Recovery and I did not sign a consent to judgement form. I Think this is suspicious XXXX behavior to threaten my credit when I want to settle my XXXX account that was purchased by Portfolio. I know that sign a consent to judgement form in not a requirement to pay and settle a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: ALLY FINANCIAL INC.
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX, I submitted a letter to close my account with Ally Bank. XX/XX/XXXX, having not yet received a check, I called to understand status on XXXX XXXX, 2016. They said they mailed the check and would need to reissue a new check. Given the amount ( over {$190000.00} ), I asked them to expedite whatever paperwork was necessary. On XXXX XXXX, I had still not received any paperwork, so again called. They said they had not done anything as a result of my original request, but would send paperwork via email. Since I was traveling, I did not have access to a printer and the paperwork " expired '' after 8 hours. The access to the paperwork was laborious at best as it was sent through a secured site. On XXXX XXXX, I called Ally Bank again ( spend another 30 minutes on the phone ) and they again indicated they would send out paperwork which would need to be notarized. They also indicated they had not yet cancelled the check. A few questions : 1 ) Why did they not immediately cancel the check on XXXX XXXX when I originally notifified them the check had been lost? 
2 ) Why did they not send out the paperwork after the XXXX XXXX call? 
3 ) Why does the paperwork expire after 8 hours so the consumer can not get access to their funds. Since I was traveling, this delayed me yet another 2 weeks? 
4 ) Why does the paperwork have to be notarized and why does it have to be sent through a secured site. On XXXX XXXX, the check had not been cashed, so I do not understand why this level of difficulty in getting access to my funds. 
5 ) Are they making the process inordinately difficult in order to keep my funds, in hopes XXXX XXXX not be relentless enough to spend hours on the phone, find a notary, decode a difficult and confusing software to access the paperwork and hope that they expedite my check and actually deliver it this time. 
I work in financial services, and take the CFPB very seriously. I have never made a complaint, but this situation has been so aggregious and so consumer unfriendly, I thought it important to bring it to your attention. I would appreciate any help you can give me to expedite this matter to a close for me and as importantly to provide Ally guidance on how to treat consumers in the future.

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 2017-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX loans from XX/XX/XXXX that were transferred for refinance XX/XX/XXXX which are showing on my credit reports as each having 2 missed payments, which never happened. I contacted the original lender XXXX XXXX XXXX XXXX, which was XXXX XXXX now XXXX and they stated they are not reporting. I would like these removed from my all XXXX credit reporting bureaus as this is both inaccurate and over 10 years old.

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 2017-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This letter is a formal complaint that you are reporting inaccurate credit information on my credit report.I am totally distressed that I have negative information noted below in my credit profile due to its damaging effects on my good credit standing.XXXX Account XXXX I never received any late notification on this account. XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Disputing a listing with the Original Creditor There is no doubt I am aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a XXXX which was highly embarrassing and has negatively impacted my lifestyle.XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] With the proof I 'm attaching to this letter, I 'm sure you 'll agree that the inaccurate information is harmful to me and, thus, needs to be removed ASAP.

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 2016-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion report deleted inquiries and reinserted with out providing written notice in 5 days of adding them. I called to dispute but they keep putting me on hold!

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 2023-09-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wish to bring into your attention an error or wrong reporting by Experian Credit Report. 
I use to have Public record on my Credit report until XXXX, 2023 but then, It was found out that Public record was for a debt that I never owed and I paid off my other Collections too. 
My Credit has been improved, and am doing my payments on time mostly and there is no negative record on my account for now. Even Experian is emailing me daily, telling me that my score has improved and offering me various Credit Cards and loan promotions. 
But when I actually applied for a loan, Experian reported back to agency that my Credit report has derogatory information and there is nothing negative on my Credit report as I keep on checking every week from XXXX. 
As per experian, my score is XXXX which is kind of good score, then how come they reported derogatory information and if it is going to stay the same, what is the advantage of paying all the collections and having clean record. 
I checked with XXXX too and there is nothing negative on my Credit for now. Then how come Experian is not letting me get a loan. Is it going to keep impacting me my whole life despite of having improved Credit Score.

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 2022-10-02
Company: EQUIFAX, INC.
State: GA
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
AMERICOLLECT INC ACCOUNT NUMBERs:XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I took out a payday loan from a company called Castle Payday. The deposited {$1300.00} into my account on XXXX/XXXX/2014. Then then withdrew and average of {$330.00} per payment on each of my paydays between the dates of XXXX/XXXX/2014 and XXXX/XXXX/2014. The total amount paid equaled {$3000.00}. Per the my account page on their website I still owe {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a payoff on my account as I sold the house that I was living. I closed on XX/XX/2015, and funds to pay off the balance was received by Wellsfargo on XXXX XXXX, 2015. By law they say that they need to hold onto the escrow funds for an additional XXXX days ( all this time they hold the money and I earn no interest ). Today is XX/XX/2015 and I have not yet received the escrow balance in a check that they supposedly cut on XXXX XXXX, 2015. I have contacted them three times asking where is the check with the balance -- Wellsfargo only says that they have cut it on XXXX XXXX and it should have been mailed ( they have the right address ), but no funds yet. I believe that this is how they make money ; they keep people 's money for longer periods, as long as they can hold onto as it is " free of charge money '' and in the meantime if we are late on payments they charge us fees plus daily interests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I was looking at my credit to see if I can go start looking for a new home. I see some accounts on my credit that I honestly dont know anything about. I hope that you all can help me with this. You all help XXXX of my friends that this also happened to. I was told to file and compliant with the FTC and I did. I doing this on my own behalf and need some help. Im asking for you all to remove the accounts off my credit XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

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 2016-10-13
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
I lost my job while in college and Old Navy closed my account with them. I have been working to take care of this debt owed once I started working. By the time I secured a job that paid enough for me to work something out, the account had been sold by another lender. I have paid this debt off with the lender and they have since removed their collection account from my credit bureau.

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 2016-12-06
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a loan from Big Picture loans for XXXX dollars. I started making on XX/XX/2016. I have currently made 5 biweekly payments of XXXX dollars totaling XXXX dollars. I was unaware of the high interest of XXXX and payments not going toward my balance. The cost of this loan is XXXX dollars. I feel the loan was misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Diversified collections keeps calling me after made several requests that they not contact me anymore. The numbers they contacted me from are XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation