BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-30
Company: CCS Financial Services, Inc.
State: CA
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:
After running my credit report in XXXX I found that I had a collection that was placed by Credit Control Service on behalf XXXX auto insurance. On XX/XX/XXXX I reached out to XXXX to verify. After I verified the amount I called Credit Control Service and verified their information that same day. The information that they had on file was not what was on my record. They were delivering information to the wrong address and never verified my account before assigning a debt to my credit reports. So, after negotiations I agreed to pay the bill if they removed it from my account. I gave the woman on the phone my XXXX Credit Card number to pay the bill and she processed the card. The payment was complete and I can provide a copy of my XXXX XXXX. 

The payment date was for XX/XX/2016

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-04-27
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previously on  XXXX   XXXX   XXXX   XXXX  made a claim tha t I have enrolled into a School that provide with a High School Diploma , named  XXXX   XXXX  as I made a complaint to that collection agency to validate and verified, that I owed that debt and alone with my signature stamp. That estate that I owed {$1600.00} debt to the school and to please send me a copy of that debt, there were lots of discrepancies for  one I d id not live in the address they said i live in witch I did not ever live in that address  XXXX   XXXX   XXXX   XXXX , TX  XXXX . And I made it clear that I would place a complain to the CFPB so we agree that they were going to make an investigation and notified the School about these ledge debt I do n't owed, so their resolution after a few weeks was to notified the school that they were going to STOPPED COLLECTING and that they will returned the file to their client,  XXXX   XXXX   XXXX  THE  XXXX   XXXX ,  XXXX   XXXX   XXXX , GA  XXXX . Account #  XXXX  Reference #  XXXX , And they did stopped reporting to the credit bureaus, but apparently now the school give these debt to another collection agency name ABILITY RECOVERY SERVICES, OPENED DATE AS IT APPEARS ON MY CREDIT REPORT  XXXX   XXXX  FOR {$1600.00}. Please I am tired of these allege  XXXX   XXXX  to stop harassing me about these debt. I send a certified letter to these  Ability Recovery Services to va lidate me with the debt and to make a final decision to their investigation, and to stopped immediately reporting to all credit bureaus and to delete such a false and fraudulent accusation of these debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXXXX/XX/XXXXXXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Epn, Inc.
State: HI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified in XX/XX/XXXX by XXXX that this this collection agency reported to XXXX Date reported : XX/XX/2015 Reporting Agency XXXX Company : EPN INC/CHECKNET Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Balance : {$100.00}. Telephone : XXXX Type : Collection Services - Miscellaneous Company Bureau ID : XXXX immediately called this company the same day and they could not locate me in their data base. They had no current address and had an address on me when I lived in XXXX and no current phone number. I moved from XXXX over XXXX years ago. I gave them the current address and current phone number. This collection agency informed me that the XXXX supplies have been lost in the mail and that I owed XXXX dollars. I was forced to paid this account off because they were also reporting to XXXX. 

I had no way of knowing this had occurred and feel I was not notified by this collection agency in time or given sufficient time to pay this off or handle this account. If privacy assist had not notified me of XXXX reporting I would never had known. I also noticed when I went to view the initial posting in early XX/XX/XXXX certain information were not there on XXXX such as my current address address and that the reporting agency made the report to XXXX in XXXX 2015 during this time I lived in XXXX 

XXXX has XXXX back to clean up its tracks because I reported their negligence and harmful actions to the consumer protection agency. I had credit score over XXXX in XXXX and now XXXX has dropped my credit score to XXXX from XXXX reported today XXXX/XXXX/2015 my new address in XXXX. XXXX also have added to my account that the collection agency reported this to them in XXXX 2015 which I had no notification on from the collection agency. If that was true then XXXX would have notified me. There is no reason for XXXX to hold onto a collection and just now posting it because they are just receiving it from a collection agency that did not try to locate me or give me sufficient time to make payments if so. 

I complain that 1. The collection action did in fact fail in their policies to contact me and did not have my name or records on file just a XXXX address. 

complaint no. 2. XXXX has backed track to cover their tracks and placed false information on my credit report to the fact that they ( XXXX ) received the discrepancy in XXXX 2015 because they ( XXXX ) was reported to the Consumer protection. 
Complaint 3 : The collection company should have called XXXX and XXXX and notified them of the discrepancy in my personal information that I had paid XXXX immediately upon being informed of the collection. 

I feel I am due a refund from the collection agency because I never received any supplies as I have told them AND the XXXX harmful remarks about collections removed from my XXXX and XXXX. 

Thank youXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: PA
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I I did not give XXXX my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which permission to furnish this information onto constitutes as fraudulent activity and is also a serious breach of my privacy rights. To Whom it May Concern ; This is about the Consumer Credit Transaction initiated on date with your financial institution executed by way of signing an Agreement ( " Document '' ). As per 15 USC 6827 ( 3 ) The term document means any information in any form ''. The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above definition Consumer Credit Transactions, without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated 3rd parties ( i.e XXXX, XXXX, Experian ) According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personal identifiable financial information Therefore, as per the literal interpretation, the organization name XXXX XXXX and Experian are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. In case your Company admits that the organization name XXXX, XXXX, and Experian is affiliated, it has still violated the provisions of FCRA the ( Fair Credit Report Act ). Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that is the Company wants to communicate other information amongst persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer should be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.

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 2023-06-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX, XXXX, and Equifax are reporting that I do not have a credit profile. I have sent documents in XXXX with proof of identity and still receive the same outcome. Please advise these bureaus to update my information showing correct and up to date scores and information as it is affecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have contact XXXX to remove my charge off due to mistakes. They agree to remove the charge from my account but then Equifax reinstate the charge off to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Virtuoso Agency located in XXXX Colorado. The customer service agent was very rude. I had sent them a police report and other items verifying that it I was a victim of identity theft. The original creditor direct energy cleared the balance realizing it was identity theft. I asked the debt collector to send paperwork to XXXX to clear my name. Virtuoso is reporting that it is in open collections to the credit agencies. The agent was rude and said I am not your friend and I do n't care and I do n't have to help you. All I asked was them to send a letter to XXXX that the account was recalled by XXXX because of fraud. They are reporting to the credit agencies even with the fact that they know its fraudulent debt and wont do anything to clear it.

Company response to consumer: Closed
Consumer complaint received 2015-04-24
Company: ERC
State: CA
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:
ON XXXX XXXX, XXXX I SENT A LETTER TO THIS COMPANY INFORMING THEM TO VERIFY THE DEBT AND INFORMED THEM TO CEASE & DESIST. THIS FOLLOWED THE CEASE & DESIST UNTIL XXXX XXXX, XXXX WHEN I STARTED RECEIVING PHONE CALLS AGAIN. DURING THE TIME IN WHICH THEY DID NOT CONTACT XXXX WAS IN CONTACT WITH ME & I DISPUTED THE BILLS DIRECTLY WITH XXXX. WHO IGNORED MY DISPUTE. I FEEL TAT ENCHANCED RECOVERY COMPANY, LLC VIOLATED MY RIGHT 'S BY STARTING THE PHONE CALLS TO ME AGAIN. ALSO IN THAT LETTER I INFORMED THEM I DID NOT WANT TO DEAL WITH A COLLECTION AGENCY THAT I WOULD DEAL WITH THE CREDITOR DIRECTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My rights under 15 USC 1681 have been violated by Transunion. I made several attempts in the past to remind you of your duty pursuant 15 USC 1681 & 15 USC 1681e ( b ). You are intentionally and willfully being neglectful in remedying my affairs. I am due & promised accuracy in my report based on federal law. I also have the right to privacy, and I did not give Transunion written permissions to furnish the XXXX XXXX XXXX XXXX XXXX accounts.

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 2017-03-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I closed my Macy 's credit account leaving a XXXX balance but two months in a row they continue to charge me a fee. The first month was {$4.00}, I paid the amount thinking maybe I stilled owed something, Then the following month again the now charge me {$2.00}, I believe this company is taking advantage of consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-04
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX, 2015 I checked my American Express Serve Card balance and had approximately {$380.00} dollars available. This was to be used to pay a bill so on Monday, XXXX XXXX, 2015 I checked my balance again so that I could withdraw the money to pay my bill and my available balance was {$9.00}. I immediately called American Express Serve and explained to them that for some reason I only had {$9.00} available when I should have had {$380.00}. I saw that there were XXXX transactions for {$120.00}, {$120.00} and a pending charge for {$120.00}. They all were from XXXX. I requested a fraud dispute document. I explained on the document that I did not make the charges and did not authorize anyone else to make them on my behalf. 

However, a couple of days later I received am email from American Express Serve that they had done the following:1. Closed my account. 
2. Determined that the charges were valid. 

I again called American Express Serve and asked them how they came to that determination especially since I did not charge anything from XXXX, and did not authorize anyone to do so. Afterward I was told to read paragraph XXXX of the User Agreement. Upon doing so, it gave me no information regarding fraudulent transactions, or how I would get the money back that was taken from my account. 

Furthermore, the email that was sent to me said I Could request what information lead them to determine that there was no fraud. However, when I called Amex Serve they kept referring me to paragraph XXXX and no help regarding what they found or how I will get the money that was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I went to go purchase something at the store when my card was declined I went home check my bank account online stated that I have negative {$130.00} taken out of my account I contacted Santander Bank they told me courtesy of not having enough in my checking 's account they went upon themselves and paid for item I did not authorize them to pay for was so offended I contacted XXXX to find out when was the billing date that I was charged for the item XXXX XXXX told me they charge me on the XXXX of XXXX santandera is saying that they charged me on the XXXX of XXXX I would like my refund of {$130.00} I also have the voice recordings of both statements of each company

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 2017-10-11
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collection account does not belong to me. The debt has been transferred to different lenders and also has been removed and then added right back to my credit report. This is re-aging debt which is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collection account does not belong to me. The debt has been transferred to different lenders and also has been removed and then added right back to my credit report. This is re-aging debt which is illegal.

Company response to consumer: Closed with explanation