BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX ) Account # XXXX ( Equifax ), 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Under the terms of a time share contract with XXXX XXXX XXXX, XXXX XXXX XXXX, a XXXX time share company, my husband, XXXX XXXX, and I with the help of our attorney exercised our rights under the contract, cancelled it and returned ownership of the time share to the company. A USA time share company which books and exchanges time share units. Without permission or any right, XXXX billed us for services relating to the time share unit which we no longer own. We disputed directly with that company and its debt collecting agent, XXXX XXXX XXXX , XXXX of XXXX, NC that no monies were owed. However, XXXX XXXX XXXX reported XXXX different debts on our credit reports as if these were our obligations. XX/XX/2015, we disputed with the CRA 's and XXXX and XXXX deleted these accounts. However, Transunion continues to wrongfully report these obligations. Many people have complained to the XXXX and online that XXXX. is engaging in fraud and a scam and trying through a collection agency, to get money paid when no money is due. Because my computer is not working, I am filing this complaint through my attorney 's computer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: ACS Education Services
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My private student lender sends me a bill with a due date. The bill due date is also on my on-line account, where I pay my bill. It says that it is the first of the month. It is for XXXX loans, each of {$1500.00}. I have paid the bills by the due date with on-line payment, and the money has left my bank account, however my payment is not credited until a week later, and I have been reported as late on my credit report, even though I paid the bill by the due date. It is a " campus based '' private loan. I called with a concern about what is the due date it was vague, pay before the due date. I asked for an actual due date and they could not provide one except for pay several business days before. I asked what means XXXX or XXXX, please be clear. With a credit card it is very clear when one pays on-line -- such as payments made before XXXX XXXX. EST will be posted to the account that day, payments made after XXXX XXXX will post the next day. Banks are also clear with how deposits are handled, such as deposits made after XXXX XXXX. will post the next day. I think it is misleading to send me a bill with a due date, but in reality there 's another due you need to pay by that they wo n't give you. 

I submitted this complaint before and the company response was to a completely different loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The city of XXXX XXXX sent my name to collection for {$240.00} with XXXX XXXX. They called to collect. I advised them that I have never been in or near the city of XXXX XXXX and asked them to provide the information regarding the amount they are trying to collect from me. They were provided with my address information and the information was never sent to me. They have added this as a new collection to my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for bankruptcy back in 2008 but it was never approved. It was denied. Therefore I was never in a bankrupt status. 

Please remove it from my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the company is attempting to collect a debt that is and was in the wrong amount as the items were damaged that was received and had been notified of the damages upon receiving them therefore i will not pay the amount asking by the company and will only pay them XXXX dollars to remove this item and never do business with them again

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Transunion since XXXX 2016 disputing Inquiries that I do n't recall authorizing. I requested Transunion to please provide me the documentation they used to verify that the Inquire was authorized by me so I can confirm its validity. Transunion is in violation of the FLRA for not completing the investigation in 30 days & ordering me to contact the creditor which turns the burden on me ( violation of the FLRA ), Transunion is well known to respond disputed inquiries in this manner ( placing the burden on the consumer ). The actions of Transunion is having a major negative impact on my credit worthiness and credit score causing me 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 2015-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am requesting that TransUnion immediately update and correct the address listed on the TransUnion Credit File to read : XXXX XXXX XXXX Ct XXXX, XXXX, WA XXXX. My Social Security # is XXXX and my Date of Birth is XX/XX/1988 in case it is needed to correctly identify me in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: NY
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:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the account which do not belong to me or was opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX : XXXX XXXX Balance : {$5800.00}

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 2017-03-18
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have requested consolidation into one loan multiple times, still have XXXX loans. Ridiculous, these can not be consolidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Illinois dept of family services ( child support ) are payroll deducting child support payments every pay period but are reporting my case as being negative ( i n default ) .in someway. I have acquired a payment ledger from child support as proof That payments are being made. My payments are payroll deducted so it 's never late.this has be ongoing for over 10 years. Whenever I manage to get my credit score up to a respectable number, the next following month my fico score drops about XXXX points even though payments are being made on time. It is a an unfair tactic to collect missed child support payments which occured over 10 years ago.at this rate I will never be a home owner and it 's hendering from getting employment.I am homeless due to this situation.

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 2016-04-29
Company: Credit Protection Association, L.P.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I made an agreement i have made monthly payments never missed. I have paid the actual company money which this collector will not give me credit for

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 2016-03-22
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have in my credit twice for a loan for {$480.00} for Midwest Recovery Systems and XXXX and will need notice to remove this from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
To who it may concern i have recently discovered that is unauthorized and i did not approve it to reflect on my credit report. I believe i may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my report and i am insisting that they be deleted from my credit report as soon as possible.these items are fraudulent and impacting my relationship with credit i have reported the theft commissions identity theft affidavit in regards to this incident please investigate these matters and remove the dispute items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called on XXXX XXXX, 2017 to inquire about switching to an income based repayment program with a lower monthly payments. I was told to submit my application, that the following month ( XX/XX/XXXX, payment due XX/XX/XXXX ) I would be unenrolled from current repayment plan and have a one time {$5.00} payment. That this one month would not count towards my 120 payments for PSLF, but that the new repayment plane would take affect in XX/XX/XXXX ( due XX/XX/XXXX ). I called XX/XX/XXXX to inquire about the status, as my payment would bill XX/XX/XXXX, and was told my app was flagged for a 15 day manual review, but that I should ignore the initial bill and would still pay the one time {$5.00} payment on XX/XX/XXXX. I called on XX/XX/XXXX to follow up and was now told that the {$5.00} payment would not be until following moth and that my bill was still {$420.00}. I asked to speak to a supervisor and was told my request had not been processed, that I did not have to make the {$420.00} payment due XX/XX/XXXX, but that neither the XX/XX/XXXX payment, nor the {$5.00} payment that would now be due on XX/XX/XXXX would count toward my PSLF. 

The supervisor I spoke to today, XX/XX/XXXX, is XXXX, XXXX. 
This company is not informing federal loan borrowers properly about their repayment options, or the process for switching payments. They have caused an unnecessary delay and issue with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On behalf of XXXX, a debt was settled through XXXX XXXX , XXXX . Some months later, Capital Management Services , LP tried to collect the same debt. I wrote to Capital Management explaining their error and received no response. Capital Management continues to send mail demanding payment. 

Attachments : 1. My letter of explanation to Capital Management 2. Capital Management 's demand for payment 3. Settlement letter from XXXX XXXX 4. Canceled check sent to XXXX XXXX with reverse stating " For Deposit Only, XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Midwest Recovery Systems
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Just recently i received an alert that a collection was placed on all XXXX of my credit reports, the collector showed as Midwest Recovery Systems with listing of an orginal creditor of XXXX XXXX i have never done business or had an acct with this company i was somewhat surprised.As far as the collector Midwest Recovery Systems i had dealt with this company once before, where they fraudulently posted another collection to my credit report and later after filing a complaint they removed the fraudulent collection.To me apears this company does this fraudulent activity on a regular basis to many consumers time and time again. Today they commited to serious violations.Violation # XXXX they send no letter/bill or any correspondance before putting a collection on the consumers credit report, not allowing consumer the opportunity to ask that debt be validated. Violation # XXXX The state of NC requires any collector trying to collect a debt from consumers living in the state to be licensed in the state, Midwest Recovery Systems is not licensed to do business in the state of XXXX.That could be another reason they dont send consumers documentation/letter or bill for these fraudulent debts, since that would provide a paper trail for the consumer to provide proof of their violation to the north carolina attorney general as proof aof an unlicensed debt collector who is in voilation of the statue which carries a considerable fine.But i will still contact the North Carolina Attorney General and as what documentation they need to prove that Midwest Recovery Systems had indeed contact me about a debt and is doing business in the state.So XXXX the violated the F.C.R.A and XXXX Violated XXXX law.So i expect this ftaudulent collections be removed from my credit reports within the next XXXX days, if not i will discuss this locally on my options to pursue this via the legal system and report to the state agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. I have XXXX unauthorized and fraudulent accounts listed with American Accounts Advisors , Inc., that do not belong to me. I continue to receive harassing and threatening telephone calls from representatives from American Accounts Advisors , Inc., representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Unauthorized charges were made on my AMEX Credit Card ( on XXXX/XXXX/15 ) and several things happened : ( 1 ) In calling AMEX, they could not take the dispute as the charges were " pending '', and I had to wait until it was cleared ( it cleared on XXXX/XXXX/15 ). ( 2 ) The representative accused me of making the purchase as they were made online. ( 3 ) I have disputed the charges - again - online through AMEX 's website, and uploaded documents. I had to upload documents proving that I was not in the same state when the purchases were made " in person ''. 
I have asked AMEX for the name of their attorney or other person who will be investigating the unauthorized charges and investigating me. 
( XXXX ) I believe that AMEX withheld information that there was some issue with the credit card. On XXXX XXXX, 2015, I attempted to purchase a less than {$10.00} product online from XXXX. They refunded the purchase and stated that they believe there was suspicious activity with the card. I reviewed all my purchases from XXXX XXXX, 2015 and earlier and noted no unauthorized transactions. I believe there was information available to XXXX that my credit card information was stolen and was being used to create a new and fake credit card. AMEX should have known this if a small company like XXXX knew it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-20
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that Midland Funding , LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Acceptance Solutions Group, INC
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
On XX/XX/2016 Ohio Acceptance LLC ( XXXX ) on behalf of XXXX XXXX XXXX attempted to debit my checking account in the amount of {$260.00} as a final payment to the loan and this amount is incorrect and my payday is on the XXXX and XXXX of each month as myself and the bank can not figure out why Ohio Acceptance was trying to pull money off of ( XXXX ) debit cards at the same time. In addition to I have made 6 payments out of the 9 scheduled and should only have a remaining balance of XXXX according to the payment schedule. I called Ohio Acceptance LLC today and the gentlemen that I was transferred to was rude and when I asked why after 6 payments did I still owe more than what I borrowed he answered '' lady did n't you read your contract ''. I proceeded to tell him that this amount was not right and they need to fix but he kept insisting that I read my contract which enraged me so I hung up. I went to the back and the bank has put a restriction on my account until this issue can be resolved. Ohio acceptance LLC has no means for a borrower to see an itemized detail of the charges and payments that would justify the remaining balance of {$260.00}. And why are they in my account on XX/XX/XXXX when I am paid on XX/XX/XXXX?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation