BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This in not a 3rd party nor did I submit this in error, but this is my second attempt to remedy this situation with Experian and it seem they are ignoring my request

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 2019-12-04
Company: Roycroft Management
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Two men have repeatedly called my cell phone, XXXX, work, XXXX, my spouse, XXXX, and my mother, XXXX, stating they must serve me with with court papers. The first man would not tell me who the sender was, but was polite. I initially thought it was related to my job, as I am often called to testify and served with subpoenas. Therefore, I confirmed my address and told him I would be home between XXXX and XXXX on XX/XX/XXXX. However, no one arrived. Today, I received numerous calls to my personal cell phone and my business line, which were noted as a " spam risk '' on the display. I repeatedly rejected them, but after 4 attempts I answered. A ruds man yelled at me and announced my social security number and DOB. He stated I should be ashamed that at XXXX years of age he had to " hunt me down ''. He refused to provide any information other than to state he was serving me with legal papers and I hung up. He left threatening messages on my spouse 's voicemail and my cell and business lines, stating he would have the last laugh because he was in charge, not me. In another message he stated he would escort me to work and embarrass me. Yet another message stated he would contact my employer and the last straw was a message on my spouse 's phone stating he will have to serve my " nice looking elderly mother ''. The man left a number to call XXXX and case number XXXX. The number provided is for a business called Central Mediation Services. I do not believe I owe anything to this debt collector.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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'm filing this complaint because TRANSUNION, has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely PARROTING information received from other sources. That means that you can't just verify my account by telling me it is verified, or telling me you contacted the creditor and the account I disputed is Verified. I'm a victim of identity theft and I submitted a copy of Proof of Identity my Driver License, Social Security Card, Utility Bill, Federal Trade Commission Identity Theft Report Reference number : XXXX, XXXX XXXX XXXX Police Report No : XXXX and a copy of the Fair Credit Reporting Act Section 605B Please resolve this manner as soon as possible. Thank You

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 2017-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX. I have been paying XXXX XXXX XXXX XXXX XXXX for over 10 years on my home mortgage. I found out through a XXXX XXXX XXXX who have been my mortgage assistance loan officer on XX/XX/XXXX, that Bank of America holds my mortgage. This is the first time in almost 18 years that I been living in this home and just found out that Bank of America holds my home mortgage. I would like for the federal agencies to find out how didi XXXX XXXX XXXX XXXX XXXX and Bank of America changed my HUD/FHA loan to a USDA loan. I have a company of my original paper I signed at closing on XX/XX/XXXX and the section paged in my files is the page I signed with a HUD addendum and FHA Insured Loan. No one ever gave me a copy of any USDA loan I signed and I want to know how my loan was changed. And why XXXX XXXX XXXX and Bank of America is trying to steal my home when I have numerous proof I can pay a {$750.00} home mortgage.

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 2017-06-08
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Amsher Collection agency  is erroneously reporting an account fro  XXXX  that is the result of identity theft. I have repeatedly requested verification, validation and then submitted a copy of my FTC identity theft report and Amsher has not responded or removed this fraudulent account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
American Education Services reported an inaccurate 30-day la te to the credit bureaus for the month of  XX/XX/XXXX  while my account is in forbearance. You will see in the paperwork I have attached that I am charged late fees and reported late in the same time periods that I am granted forbearance.  <P/>  XX/XX/XXXX  -  XX/XX/XXXX  Approved Forbearance period  XX/XX/XXXX - charged late fee  XX/XX/XXXX  - payment made  XX/XX/XXXX  -  XX/XX/XXXX  Approved Forbearance period  XX/XX/XXXX  - late fee charges  XX/XX/XXXX  - Payment made  XX/XX/XXXX  - AES reports 30-day late to credit bureaus during forbearance period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are accounts on my credit report that are past the statue of limitations and are over the time limit to be removed with all bureaus and it needs to be corrected.most accounts were in chapter  XXXX  and are open accounts that should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are accounts on my credit report that are past the statue of limitations and are over the time limit to be removed with all bureaus and it needs to be corrected.most accounts were in chapter  XXXX  and are open accounts that should be closed.

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 2018-03-25
Company: AMCOL Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A third party collection agency had a debt listed on my credit report. I research, the alleged debt, it was from XXXX XXXX and for the amount of {$57.00}. I am a responsible adult, i pay my bills on time, and would have paid a medical bill for {$57.00} if i had received notice or invoice for it. I don't recall receiving either, or have i been told what the debit is for. I have no financial agreement with this company, no contractual agreement, nor do i understand how they have the right to have this item listed as a collections account on my credit report, which has now caused me to be denied credit. I've reached out to this company several times through via mail, USPS, and I've called their contact number listed on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I was targeted by an auto loan lender Sandtander Bank with predatory lending ( Extremely high interest rates for people with less than perfect credit that live in impoverished and low income neighborhoods ). 
The auto loan account was promised to be removed from my account and forgiven after 2 plus years of ownership, but this has not been done as of yet ... even after multiple attempts to reach Santander. I also tried contacting the lender through the credit reporting agencies, but my claims were not addressed directly. I received generic respnses that did not specifically address my complaint. Moreover, Santander bank was sued and lost the case for this same reason ( predatory lending ). All of the documents pertaining to this settlement/lawsuit was in fact mailed to the 3 credit bureaus with certified mail. I will 100 % admit that I was actually happy to get the financing initially bc I was badly in need of a car for work, and the payments seemed mangeable to me at the time. In any event, soon after i feel behind on the payments and realized after speaking to other people that I was being charged over 10 times what the majority of other people in the US pay on auto loan interest. And, my rate is close to 30 % annually. This account is destroying my credit and ultimately my life experience. NOT TO MENTION THAT THE CAR WAS A LEMON. HAVENT BEEN ABLE TO DRIVE IT IN OVER A YEAR. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FAMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION YALL HAVE Violate my rights so the account I'm referring to is XXXX credit XXXX State of Michigan XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Complete Credit Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have made a purchase with  XXXX   XXXX  in  XXXX . Unfortunately, in  XXXX  my my wife lost her job during the recession and could not afford to make payments. They have called me at work and asked me why I stopped making payments ( I was appalled that they would even call my place of work ) but I have told them our situation. I was not offered a payment plan but instead was placed in collections.  <P/> The statute of limitations has long passed, however, while I recently reviewed my report, I noticed I was placed back into collection in  XXXX   XXXX  again after more than 7 years without ever talking to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
The company closed my card and made it very hard to make payments.. was dealing with fraud issues on a checking account causing a payment to not go through.. Payment was not due and was an extra payment. They closed my account. I called and paid account to 0 balance. They are showing I owe {$2.00} still. They were to mail me a pay for deletion letter and never did. So now I have this on my credit report and can not get it off.

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 2017-08-24
Company: Debt Recovery Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have informed this company several times this is NOT my debt I have not been to XXXX XXXX Hospital and have GREAT insurance that covers all my cost. THIS IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Tower Loan i s reporting on my credit report as a charge off with incorrect dates. Almost 2 months ago I sent them a certified letter requesting validation of this account . Tower Loan did not provide a signature or anything, nor did they mark my credit report disputed. I then sent them a second lett er and they have yet to respond to me.

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 2017-06-08
Company: AMERICAN HONDA FINANCE CORP
State: MS
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:
They will not remove a account from  American Honda, a s it was in a chapter  XXXX , atv sold, and they are paid in full and I no longer should reflect this account as owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Complaint ID # XXXX. I received a letter from Transunion today dated XX/XX/2022 and I disagree with their letter. 
I have a freeze on my credit and I did not authorize none of those companies to do an inquiry. If you researched this you will see there was no authorization by me neither did I remove any freeze for these companies to do a credit check. 
Someone in Transunion is doing deceptive practices violating my credit by doing illegal inquiries. 
Furthermore, Transunion Fraudulent remove my credit freeze without my knowledge or permission and allow these companies to invade my privacy and confidentiality of my credit. 
Transunion is responsible for violating my credit security and committed fraud. And should be liable for breach. 
Again and again I never authorize any of those companies that Transunion allowed to invade my credit privacy as aforementioned to do any inquiries on my credit without my permission. 
Transunion is trying to coverup this violation. 
Furthermore there was a freeze so who lifted the freeze in Transunion. 
I will go to the news media if this matter is not taken seriously. 
CFPB Transunion is doing unfair deceptive and abusive practices authorizing companies into my credit reports. 
Who in Transunion lifted the freeze violated my rights by abusing credit inquiries without my knowledge or permission, May I point out this very important point that just came to mind to prove there is dishonesty and fraud with someone in Transunion. 
How come these inquiries are only done with Transunion and not on the XXXX or XXXX. 
I am going to the news media with this matter and this is serious breach of confidentiality with this 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 non-monetary relief
Consumer complaint received 2022-12-19
Company: Frontline Asset Strategies, LLC
State: CA
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: Problem with personal statement of dispute

Complaint:
So XXXX sent money to an agency FRONTLINE ASSET STRATEGIES. I disputed the collection on XXXX, and I just found out that theyre continuing to say I still owe them when I dont. I was in a month to month plan with XXXX XXXX was not in a contract with XXXX and I owned my phone so I was able to cancel and switch services at any time. I waited until the month was over that I had paid for and I switched over to XXXX XXXX to save myself {$25.00} a month. I ended up in XXXX XXXX XXXX for a couple weeks during that time, so I was never able to formally go into the XXXX store or call them to tell them that I was switching companies. But regardless, I was paid up to date and they can see on their end that the XXXX  number wasnt active anymore, due to me changing numbers and getting a new SIM card. But the whole point of being in a month-to-month plan is that youre not in a contract and that if you dont pay then your phone is shut off until you do pay. Had I not gone to XXXX I would had formally been able let them know. I was innocent and its sad we pay the cops salaries to destroy citizens lives everyday with ridiculous charges and treated horribly because they all have ego trips and should not be cops. But because of that, I had to spend what I had on a lawyer and XXXX, and am XXXX XXXX XXXX and the XXXX who lied and got me XXXX so he will be dishonorably XXXX for false report. Long story short, I had a lot of other stuff on my plate, to keep my freedom and the last thing that was on my mind was calling XXXX to say hey I switched companies. And like I said earlier, since I was not in a contract, I owned my phone and was paying month-to-month, I thought that they would just turn off my service until I paid for the next month, or they would see that i no longer had XXXX SIM card. I have the same plan with XXXX XXXX, and if you dont pay, they shut off your service until you do pay and thats how I thought XXXX was because there had been times previously where I couldnt afford my phone bill and they just turned off my service until I made a payment within a certain amount of time. Once I put in a new Sim card and changed my phone number, they know on their end that I am no longer with them, and I refuse to pay them {$120.00} when I dont owe that to them and theyre trying to be difficult which is the reason I left them in the first place always trying to hit you with hidden fees and saying you owe money for this your bill is more expensive this month. They are always so shady I dont owe them a penny.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Suburban Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Sent letter to XXXX XXXX XXXX to dispute collection ( {$490.00} ) XXXX Sent letter to XXXX to dispute the collection ( {$490.00} ) XXXX Submitted online dispute to XXXX XXXX {$490.00} ) XXXX Sent letter to Suburban Credit Corporation to dispute collection ( {$490.00} ) XXXX Sent letter to XXXX that neither collection agency had verified the collection ( {$490.00} ) XXXX Submitted another online dispute with XXXX ( {$490.00} )

Company response to consumer: Closed with explanation