BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection is from XXXX. I originally canceled my phone account with them when I switched over to XXXX XXXX XXXX back in XX/XX/XXXX. I thought everything was good to go, but a few months later, I noticed reoccurring charges coming from XXXX, even though I was no longer using their service. I canceled my card so they would stop charging my card and I went into a XXXX store, talked to an employee and they told me that I had to call the customer service number because she could not help me in store. I called the customer service number, was waiting on hold, and on the phone with XXXX Customer Service for multiple hours. After explaining to them what was happening, I kept getting transferred to different people in different departments, and finally I asked if it was possible for them to use the charges from what they've charged me to pay off the phone that was on a lease. She said that she would look into it and have them call me back within 72 hours to tell me if that was possible, but a refund would be issued and my account would be canceled. They could see on their end that I hadn't used my phone accounts with them since XXXX so there should be no charges at all minus the payment of what the rest of the phone would be on the lease, which was still less than they were charging me, so I should have gotten money back. I didn't hear back from XXXX, so I assumed that it was taken care of and my account was canceled. This was back in XX/XX/XXXX. Since then, I have moved to a new address, and did not know they were still charging my account because I was no longer with the company. I recently ( today XX/XX/XXXX ) tried applying for a credit card since my score was a XXXX on XXXX XXXX, and showed 0 hard inquiries and 0 collections. It said my approval odds for the XXXX XXXX XXXX credit card were very good, so I applied and got denied. After this, I immediately called the reconsideration hotline to explain why I wanted the card and that I have great credit and I didn't understand why I didn't get approved. After looking at my full credit report, the agent said that I had a {$610.00} collection, and this was the reason I got denied for the credit card. When she told me this, I had NO idea that I had a collection because I have not received any calls from collection agencies nor any mail delivered to my home showing my collection amount. I had no idea where this collection came from. I made an account with XXXX  today, and I was able to see that the collection came from XXXX which is not what I owe. If anything, they owe me money for billing extra months.

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 2023-08-10
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX : {$830.00}

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 non-monetary relief
Consumer complaint received 2022-05-20
Company: McCarthy, Burgess & Wolff, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Date of transaction : XX/XX/XXXX ( had 3 days to cancel ) My mother XXXX XXXX XXXX ) started security service with XXXX and was satisfied with service. the initial term was 60 months at {$49.00}. No activation or installment charges. Auto payments were coming out. During this process I was with my mother because she's an elder. 

On XX/XX/XXXX a male approached our home and represented himself as an XXXX rep and told my mother that XXXX was being bought out by XXXX XXXX XXXX and needed to change out the alarm system. Rep wrote and handwritten note and had her sign that she cancelled the service. XXXX sent a card approx. XX/XX/XXXX to pay of XXXX. I called XXXX and paid. Shortly after XXXX system was installed an XXXX rep came by and ask why the sign was down. 

If XXXX was bought out by XXXX the contract end on XX/XX/XXXX. We called to cancel services once XXXX installed new security system. XXXX  services started XX/XX/XXXX. I told them I would send the system back and now they say that my mother owes {$540.00}. I feel that XXXX  rep took advantage of my mother while I was not in the home, and she did not have a full understanding. Also, I have several documents to provide if needed. My mother should not be charge anything since XXXX bought out XXXX. My mother has never had an email. The contract with XXXX should be honored which ended on XX/XX/XXXX. This is elder abuse, and I would like to file an official complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: NM
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:
XXXX, Equifax and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In response to Monterey Financial Services statement on XX/XX/XXXX. According to the contract uploaded by Monterery Financial, the address used to open the account is not my current address. The contract lists XXXX XXXX XXXX XXXX, XXXX, FL XXXX as the address for the account with an IP address of XXXX. I have lived at my current address since XXXX. I have attached a copy of my Electric bill from XXXX showing my address. Therefore, this information is inaccurate and Monterey has failed to notify each consumer reporting agencies of this inaccurate information. Furthermore, the contract was electronically signed therefore it does not contain a valid signature which is a sign of possible identity theft. A letter was sent to Monterey Financial Services on XX/XX/XXXX which was received and signed on XX/XX/XXXX. The letter requested information that was used to obtained the loan. According to the Fairs Credit Report Act and Debt Protect Act, the furnisher is required to provide me with any and all information used to open the account if provided an Identity Theft Report. Monterery has yet to comply with the request as well as a cease and desist request. A letter has also been sent to XXXX, the company Monterey stated on their last CFPB response which was assigned to them. A final letter will be sent on XX/XX/XXXX ( 30 days after receipt of first letter ). If the furnisher does not comply I will take legal action against Monterey Financial Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions 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 sent in my metro 2 compliance about in accurate information reporting on my report I haven't got a responds and will like to get errors remove off my report

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 2016-06-23
Company: STONEGATE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is through Stonegate Mortgage Corporation. It has been for two years. For XX/XX/2016 I did not receive my payment coupon to make my payment. Knowing it was due, I used a statement from XX/XX/XXXX to obtain a mailing address for payments so I could mail my payment on time. The payment was mailed on XXXX/XXXX/16, before the late payment date of XXXX/XXXX/16. On XXXX XXXX, 2016 I noted in my bank account that the payment had not cleared. I contacted Stonegate to inquire and they informed me that they had a new payment PO Box as of XXXX XXXX and sent me a letter on XXXX XXXX with the change of address with my coupon. However, I did not receive that mailing. With a check # XXXX now lost in the mail I asked the representative at XXXX to waive my late fee of {$40.00} so I could pay with check by phone and that I would go to my bank, XXXX the next day and stop payment on check # XXXX that was now lost. They refused to waive the late fee and offered to waive the payment by check fee. I stated I would first go to the bank and check on the stop payment fee before proceeding with check by phone. When I went to my bank on XXXX XXXX, 2016 I was charged a fee of {$33.00} to place a stop payment on my check. I then called Stonegate again and initiated a payment by phone but again asked to have them waive the late fee of {$40.00} and they refused. They are not taking any responsibility that I never received their change of address letter that they claim was sent to me on XXXX XXXX. For resolution I want the {$40.00} late fee waived, Stonegate to reimburse me the {$33.00} stop payment fee, and my credit report to not have a negative report due to a mail error.

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 2022-11-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : ; listedaccount need to investigate and correct from erroneous reporting in my file are listed on my credit repor XXXX XXXX XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, 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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2022-02-11
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:
I called all three bureaus. And I did the dispute process. They acknowledge that XXXX  reported the debt was sold to another company and therefore XXXX  DOES NOT OWN THE DEBT. The company that XXXX sold the debt to has been paid in full and agreed to remove any derogatory reporting. They gave me this in writing and I have proof of this info and payment. Despite all of this NONE of the 3 bureaus will remove this from my credit report as derogatory. XXXX says that they acknowledged they do not own the debt to the bureaus- but they are going to continue to report it - and all 3 bureaus acknowledge all of this ( and have my submission of proof as part of my dispute ) but REFUSE to remove XXXX. This is going on 3 years or more of me disputing this info and the credit bureaus refusing to remove it. ( Among several other things like student loans that were never late and the Federal government ceased payments for anyways ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account is fraud listed below. I demand it is removed from the credit report immediately. XXXX XXXX XXXX XXXX account # XXXX. The FTC report is attached to this complaint.

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 2022-02-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-11
Company: EQUIFAX, INC.
State: MD
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For the past 2 weeks m & t bank has told my girlfriend she can't have her money or access her account. She has been to the branch several times. They always say they have to send email and wait for response. But evidently nobody cares and doesn't care that she's a hard working XXXX mother with XXXX kids and can't even feed their kids because M and T doesn't care. She tries day after day and M and T is just holding her money hostage. Just another bank that could care less about people and just keep the money and do whatever the XXXX they want with it. It's sad that the government lets banks do whatever they care about and never care about the person they deal with. Why are people still keeping their accounts at this bank. They don't even try to make an effort!

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 2022-02-11
Company: JPMORGAN CHASE & CO.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I deposited a check and afterwards i put in a stop payment request XXXX day later, my account was put in negative by {$25.00} for the Stop Payment Request. I planned on putting CASH in my account well now when i try to login it says " Account Locked for Suspicious Activity '' i called Chase and i was told my account would be unlocked within XXXX hours.. its been XXXX hours and my account is still locked and ive gotten charged an overdraft fee now because of this. 

Never had any issues with this bank before but this is insane

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close/permanently unable my PayPal account XXXX I am using my Paypal account for my online business/jobs - Encoding tasks and accounting consultation of selected companies since 2021. My Paypal accounts ' funds, XXXX and XXXXXXXX XXXX XXXX have been stuck in it that I have to withdraw asap for emergency purposes. Thru your benevolence, I am hoping that I will get back my account and be able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Bankers Auto Acceptance
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2023 at XXXXXXXX XXXX I called Time Finance Company to return a miss call. I had a voicemail to call back XXXX which I did but since she was assisting another caller someone else answered and from the beginning was very rude. She asked if I was calling to make a payment I stated that I was calling regarding a XXXX call and to know what its about. She said to pay if I'm going to pay I owe {$710.00}. I asked if I may have a summary emailed to me because I wish to know where this extra charge is from, she refused and said why do I want that info I just have to pay. 

As a customer I believe we have that right to know where our money is going, what the balance of my loan is, especially if there is un known charges. 

I proceeded to inform her back in XXXX I made a bigger payment due to being behind, I stated the quantity, she got an attitude and getting smart yelling you were behind 3 months what did you expect. I agreed yes due to hardships I was and that's what the big payment was 3 months worth of payment so where is the {$710.00} from? She still didn't wish to answer my question just kept repeating if I am going to pay. 

That's when I started recording and informed I was recording the call she got angry, real defensive started yelling I don't have the right to record her I responded with just like they don't have the right to contact people I never had put as reference and have a restraining order against. She just kept yelling I don't have the right to record her said she no longer will speak with me I can call back and speak to a supervisor. 



All this over me asking where is the {$710.00} charge is and if they can email me a summary of my payments, interest rate, pay off balance? I would have never thought it would be a crime to ask for any of this information. If you go to XXXX reviews for Time Finance its the same story with other customers speaking how rude they can get that's why I rather file a complain than to call and speak to someone else who will probably give the same attitude or worse without answering my question.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation