BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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, my rights has been violated 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 non-monetary relief
Consumer complaint received 2017-01-31
Company: SUNTRUST BANKS, INC.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have reported to the financial institution fraudulent usage of my information

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 2015-07-23
Company: Capital Accounts, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The collection agency has received information from a dentist regarding an outstanding debt which does not belong to me.The collection agency was notified by me through an email, that the debt instead is owed by my son.Their response was the debt will be reduced, however, it does not address the fact that the debt is not mine and I did not cosign anything.The dentist office says its in the hands of the collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Capital Accounts, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2016 Capital Accounts reported an invalid debt to the XXXX major credit bureaus on my behalf. I immediately sent Capital Accounts a letter requesting validation of which they received XX/XX/XXXX. I then waited 30 days and sent a follow up letter requesting validation again, of which they received XX/XX/XXXX. As I had not heard back from Capital Accounts, I filed a dispute with XXXX, XXXX and XXXX as I 'd never done business with Capital Accounts and did not owe the alleged debt. On XX/XX/XXXX, Capital Accounts verified the account as accurate with the XXXX. 48 hours later, I received a message from another credit card lender that due to the recent changes on my account caused by the collection Capital Accounts reported on my behalf, they lowered credit line XXXX % causing my credit utilization to rise to XXXX % and tanked my credit scores tremendously. Due to the invalid debt, I 've been denied additional lines of credit and an opportunity to lower my current interest rates. Capital Accounts has violated FDCPA regulations : 1692 e ( 8 ) Threatens or communicates false credit information, including the failure to communicate that a debt is disputed and 1692 g ( B ) Collector must cease collection efforts until debt is validated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: TN
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 is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Balance : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Collection Management Company
State: WV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was turned into collections by Credit Management CO acct # XXXX for a medical bill at XXXX Hospital. I have never visited XXXX Hospital before. The account is not in my name or birthday but it is my SSN. I can supply them with my Social Security Card to verify it is not me but I ca n't get this taken off of my credit report. My credit score has dropped XXXX points because of this fraudulent bill.

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 2016-12-14
Company: STERLING JEWELERS, INC.
State: VA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I recently opened a new credit account with Kay Jewelers and was approved for a {$1000.00} credit line. After the account was approved, the available credit was subtracted by {$530.00} for a previous Chargeoff account that was sold to XXXX in XXXX. I satisfied the balance IN FULL with XXXX XXXX XXXX on XXXX/XXXX/XXXX and I showed Kay Jewelers XXXX XXXX XXXX ( XXXX Virginia ) location a copy of the payment confirmation letter on XXXX/XXXX/XXXX. The representative called Kay 's Credit Authorization department and confirmed with the department that the previous account balance was paid in full. 

I contacted Kay customer service department today XXXX/XXXX/XXXX after confirming that the available credit has not be restored via their company 's online account service and phone XXXX. 

I spoke with the customer service representative XXXX, she contacted the Credit Authorization department who advised that my account available credit will continue to reflect incorrectly on the consumers side ( online account and phone XXXX ) but if I needed to make a purchase I would still have my full available credit available to use despite the inaccurate representation online and in the 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 2016-10-10
Company: CONTRACT CALLERS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is posing as a debt collector and phishing for personal information. They called and asked me for my address and last XXXX digits of my social. When I refused and asked them who they are, they hung up on me. If it was a legitimate debt collector they would have that information or would be willing to answer my questions. 

CCI Contract Callers Inc. 
XXXX, GA 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 2016-02-21
Company: Northland Group Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Northland group called me and I set up payment arrangements. For 3 years they have been taking money out of my account. In XXXX XXXX they told me my payment arrangement had ran out and that I had a balance of {$390.00} and I needed to call to make further arrangements. They had taken {$25.00} out for XXXX so I thought it was a mistake. I called them on XXXX XXXX and there was no answer so I figured since they took payment in XXXX it was nothing to worry about. They did take in XXXX so again I just assumed it was reinstated. In XXXX the company that has been taking money from the account took only {$10.00}. I called Northland group and they told me my account was moved and they have not had it since XXXX XXXX, XXXX. I told them they were still taking money form my account. I faxed them my bank statement, letters showing that the last payment they acknowledged was XXXX XXXX and the letter that I was to make new arrangements. I told them I never got a pay off letter from them and they said because it was sent back to XXXX XXXX XXXX. They also said it was not them taking the money out of my account because it did n't say their name. I called XXXX XXXX XXXX and they said it was paid in full in XXXX. My husband has to call to get a payment in full letter. I called XXXX and they gave me the number of XXXX XXXX XXXX who is responsible for taking the money out for XXXX XXXX. The phone number that the bank gave me was for a private person Who claims to know nothing about this. XXXX credit my account and then uncredited my account since this is over 90 days. In the meantime I had XXXX put a stop payment on XXXX XXXX on XXXX/XXXX/XXXX for $ XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23
Company: CONTRACT CALLERS INC
State: MO
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:
In 2014 I was in the process of signing a lease for an apartment complex. I was instructed to have gas service activated and show proof of receipt for the application process to be completed. My spouse paid the balance of {$110.00} in full and recieved a reciept for the paid account. This account has been paid for a significant amount of time and suddenly appears incorrectly on my credit report as a debt collection. Company is trying to claim several forms of payment.I have tried contacting Contract Callers Inc, and they do not have any documentation regarding validity of this debt.

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 2020-07-11
Company: Experian Information Solutions Inc.
State: WA
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:
Experian willfully reported unresolved account with XXXX  despite documents from account manager showing the account was resolved. 

Additionally, inquiries are being allowed to remain on my credit past their cut off date

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 2022-04-21
Company: Avant Holding Company, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 I noticed a charge of {$39.00} from a merchant XXXX 
On XX/XX/2022 I noticed a charge of {$46.00} from a merchant XXXX 
On XX/XX/2022 I noticed a charge of {$39.00} from a merchant XXXX. 
On XX/XX/2022 I noticed a charge of {$39.00} from a merchant XXXX 

I reported Avant credit card company when I noticed that these charges are all fraudulent and I did not authorize those merchants to charge my account. 
The customer service representative took all my information and told me it is a good idea to pay the minimum balance of {$25.00} so my account would be in good standing and once they investigated the claim. It would be credited to my account. Note ... that I would not have a balance if it were not the fraudulent transactions. I agreed and paid the minimum balance. On XX/XX/2022 Avant charged me {$2.00} finance fee on fraudulent transactions. 
On XX/XX/2022 Avant charged me late fee of {$25.00}. And then on XX/XX/2022 the following items credited the finance fee {$2.00}, {$39.00}, {$39.00}, XXXX. Notice that {$46.00} was not reversed. Then on XX/XX/2022 there were 3 security adjustments made for following amount {$39.00}. Then Avant on XX/XX/2022 charge me additional late fee and has reported the late fees to the credit bureaus. ALL THIS STEMMING FROM FRAUDULENT TRANSACTIONS THAT I REPORTED! 
THIS COMPANY DOES NOT HAVE NO BUSINESS ETHICS TO PROTECT CONSUMERS FROM FRAUDULENT TRANSACTIONS. THEY CHARGE FINANCE FEES AND LATE FEES THAT ARE UNDER INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
reported to XXXX i have collections for unpaid bills these bills belong to my son same name different middle name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle in XXXX of 2014 and put XXXX down payment. They atattacjhefattached insurance that I already had on my vehicle and would n't take itoff which made my car payment hard for me to make. When they came to rereposses my car I called Lobel, to make a payment and the tow truckdriver started to scream at the finance company on the phone andphysically threatening me.

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 2016-12-19
Company: TaxServ, LLC
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by XXXX XXXX Collections Manager TaxServ Capital Services , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX XXXX : ( XXXX ) XXXX x XXXX # Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E-mail : XXXXXXXXXXXX regarding auto taxes owed to the city of XXXX in XXXX. I never received an initial bill and the first information I received was in XXXX XXXX. 

XXXX XXXX provided only a statement and the only information it contained was the amount owed, interest and fees. There was no information about the billing period or a copy of the original bill. 

I requested that a copy of the original bill be provided so I could verify its accuracy and that of the collection agency. Since my vehicle was not plated for the entire year in CT, I wanted to verify the charges. Despite repeated requests, no original bill was provided. 

XXXX XXXX asked for information ( receipt of plate return, new lease, new registration etc ) that I promptly provided then followed up to make sure it was received and was complete. For the next 4 months I contacted the XXXX XXXX to determine the status of my bill. 

On XXXX XXXX, XXXX a statement was provided with revised balance, interest and collection fee. No explanation of the change in charges was provided. Again, I have no means to verify the accuracy of the charges or revised charges. Once again I asked for an explanation and further information and XXXX XXXX refused to provide this information. 

During the 4 month period when my charges were being reviewed I was charged interest on the balance owed. The time for review is excessive and the interest charges are high ( 18 % ) per annum compared to the prime rate of less than 1 %. 

The high interest charges, long delay in revising my bill and failure to provide accurate and complete information so I can understand and verify my bill are a problem. There has already been XXXX mistake in my billing and I feel it is my right to be able to verify the accuracy of any charges and fees. With the information provided this is not possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance XXXX {$230.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I have received XXXX phone calls outside of the acceptable outlined time frames. XXXX aprox at XXXX the other XXXX. I receive blocked calls and identified calls. Today, Saturday i received a blocked call at XXXX blocked and XXXX unblocked. I have tried calling back numerous times and I get no one so I checked and their business hours end at XXXX. Therefore, I am also receiving calls outside business hours not affording me the option to yet again resolve my " debts '' which I previoisly explained I was working with my insurance to resolve. I feel harrassed because the calls dont stop and i cant get a human to tell them to stop calling. I get on average 2-3 phone calls every day to other day and constant voicemails with no missed calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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: 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. 

XXXXXXXX XXXX XXXX XXXXXXXX : 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 Section2 : 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 reachable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had applied for and was approved online instantly for a Comenity Capital XXXX XXXX Visa card with a {$10000.00} limit and a {$49.00} annual fee. The card arrived in the mail a week later. I activated it and had barely used it for 5 days before they closed the account due to a " security concern '' which they could not share the details of. They still charged me the {$49.00} annual fee and now refuse to refund it ( even though I had it for 5 days of the 365 days the annual fee was meant for ). They also dishonored the sign-up bonus of XXXX XXXX XXXX points that I was entitled to as per the sign-up agreement and the XXXX XXXX XXXX points I should have received for my spend on the card. 

I have XXXX FICO with a clean credit report, and have never had a closure from any other bank. Customer service was extremely unhelpful as well. I spoke to 3 different supervisors to refund my {$49.00} fee and they all refused to budge. 

This is a direct violation of their own policy as my statement terms from Comenity state : " XXXX FEE : This fee will be charged with the close of your first billing cycle and will be assessed annually in the same month thereafter. We will refund this fee if you notify us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the fee appears. The fee is otherwise non-refundable ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05
Company: Ashton & Weinberg, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A woman claiming to be XXXX XXXX has left harassing and threatening voice messages at my home at XXXX for the past two days. She claims I have until XXXX to call her back or else. I called yesterday XXXX/XXXX/XXXX at XXXX and spoke with a gentleman from a " law firm ''. When I asked to speak to XXXX XXXX he does n't know who she is. He explained to me about a debt with XXXX from XXXX. I have not received a validation notice and he insists that I am lying and that I did receive XXXX of them. He verifies my address and still I tell him I 've never received one and I 'm not going to pay you over the phone without seeing something in writing. He was the most disgusting human being I 've ever spoken to. He was so demeaning and sarcastic it sickened me. I ask him for his mailing address and it took him 2 minutes to find it. He gave me the following address which is linked to a company called XXXX XXXX XXXX XXXX ( not a law firm ) : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, RI XXXX. I told him I will mail him a letter stating that he can no longer call my home number and leave threatening messages. He laughed at me. 

This morning I receive a phone call from XXXX XXXX. She insists that I 'm not the person that she needs to be speaking with. She continues to threaten me and tell me she will update her system and that I should be prepared for what 's coming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation