BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Seven fraudulent accounts unauthorized identity theft : all state credit bureau opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance XXXXXXXX XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX opened XX/XX/XXXX XXXX $ XXXX  XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance {$2200.00} XXXX XXXX opened XX/XX/XXXX balance {$1100.00} Fraudulent address connected to fraud : XXXX XXXX XXXX XXXX XXXX XXXXXXXX mi XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: Grow Credit Inc
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
All I know is this account is on my credit report and I tried reaching out to them I have no knowledge of this account and I sent letters and tried reaching out to them on the website nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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 a victim of identity theft due to an equifax data breach. i called to have this fradulente account and inquiries removed but they did not remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/2021 I contacted the the creditors about XXXX/XXXX  XXXX  being an account I didnt open. they told me to pay the balance and they would remove it even if it wasnt me. 

XX/XX/2021 I also contacted XXXX/XXXX  with the same problem and they offered me to pay. I did and no results.

I submitted a FTC report and locked my credit.

Every Bureau deleted except EXPERIAN.

Ive wrote them letters and they refuse to even correct the new information. They are making my life hard because if identity theft.

Account need to be deleted from Experian : XXXX/XXXX XXXX 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 2021-09-20
Company: CREDIT ACCEPTANCE CORPORATION
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:
On XX/XX/2021 I paid my regular monthly payment of {$370.00} which was due XX/XX/XXXX, XXXX Credit Acceptance reported this payment to the credit bureaus as 30 days late. That information they are reporting is false. That payment I made on XX/XX/2021 was only 19 days late, not 30. I called them several times to get them to remove the derogatory remark from my credit report. As a result of this false 30 day late payment entry on my credit reports, my credit scores dropped 40 points. I have worked really hard to keep my finances in order and this is too much to handle. I sent them a certified letter requesting validation that they have competent evidence that they received my XX/XX/2021 payment 30 days late. They claimed that I have {$50.00} in late charges and they reported the late charges as 30 days late. This is a blatant and total violation of the agreement which I signed. Only contracted payments in the amount of {$370.00} should be considered 30 days late if they are paid 30 days from the due date, not late fees. A late fee in the amount of {$37.00} is NOT a contracted monthly payment. 
I demand that this false 30 day late payment be deleted from all 3 credit reporting agencies immediately, in accordance to the Fair Credit Reporting Act and the Fair Dept Collection Practices Act.

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 2021-03-10
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was mis informed by the agent with loan depot to ignore the email that I got from Loan Depot as they can see that I already put in the draft payment last XX/XX/2020. I have spoken to agent several times. I have all the records, even voice conversations with their agent. 

Loan Depot did not send out delinquency letter to my address. This is clearly a technical fault from their side. I also did not receive a MAIL not email regarding the change of payment location that Loan Depot for their permanent notice of servicing. 

I have all the agent information whom I have spoken with. 

This is very bad to mislead a client who has a perfect record for almost 11 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Professional Debt Mediation , Inc. were the debt collection group assigned to a debt I accrued from a prior apartment that I rented from. I initially set up a payment plan of {$25.00} per month to satisfy this debt. I managed to accrue the remaining balance I owed and paid off this debt a month and a half ago, yet this group continues to withdraw {$25.00} from my bank account every month. I have documentation provided from PDM that states I have paid my debt, and when I contacted a XXXX XXXX from PDM ( XXXX ), he acknowledged that they have it on file that I have paid the debt, and " don't show any other payments being drafted ''. When i provided images from my bank account as well as auto-generate emails from PDM themselves showing they are still drafting from me, I was met with no response and have received no response from this group until today when I informed them I will be making an official complaint. This group is predatory and are committing theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have business account with Bank of America and I opened another account online and made deposits totalling {$250000.00}. The promise was I could pay vendors by XXXX or by Wire. But when I tried to do so, their system made me use an ATM card except they never sent me an ATM card. After multiple calls I was able to figure out that they sent an ATM card to the office building my office is in but they failed to put the office suite number on the card mailer ( that suite number is on the bank account so why did they not put it on the mail ). I called twice again yesterday and was promised a call back from a superviser twice withing 24 hours but of course that has never happened. I now have a replacement ATM card but of course they did not send the pin so I can't do anything online. They could not help me online and I was advised to go into a physical location but the nearest one is nearly 300 miles away. So essentially I have {$250000.00} in the account that I can not access and I can't get anyone the phone that can help me. I have other accounts with XXXX XXXX, XXXX, and XXXX XXXX and do not have these problems with them.

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 2020-01-03
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 I received my first phone call and " notification '' from Bonneville Collections out of XXXX Utah, XXXX  XXXX, Idaho and XXXX, Idaho. when I returned their message. I spoke with a, what sounded like a " XXXX XXXX '' although he didn't clearly state his name. When I spoke with him regarding the debt. I explained I had received no information notifying me that Bonneville Collections had this account. He rudely told me they sent a notice in XXXX. To which i said I had not and requested a new one. He refused. I explained to him I live in an apartment complex, this is common and it is my legal right to have a letter telling me the proper information. He still refused and hung up on me. I am aware of the debt owed to the original debtor, however I was not notified of Bonneville Collections taking over the debt. I simply was exercising my rights as a consumer and debtor by requesting information. I have dealt with Bonneville Collections in the past. They are ruthless and do not follow proper debt collections protocol. Also, infringe upon the consumer rights. Their business practice lack ethical and professional tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CrossCountry Mortgage LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Past Due Property Tax Payment from Escrow Account. 

Loan # XXXX, XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX. 

CROSSCOUNTRY MORTGAGE,XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX IL XXXX is the servicer of our mortgage loan at the above address. 

The City of XXXX sent us Past Due Notice Regarding Real Estate Tax for the year XXXX. 

According to the Initial Escrow Account Disclosure Statement, Property Tax to be credited by XX/XX/XXXX. Due to failure on their part, City of XXXX is charging {$140.00}. XXXX as interest. 

We sent a Notice of Error by certified mail on XX/XX/XXXX and they acknowledged the receipt of letter on XX/XX/XXXX. 


It is more than 14 days and we didn't receive any information. The deadline for Property taxes to be paid is today XX/XX/XXXX and at this time of writing XXXX XX/XX/XXXX the property tax is not credited to City of XXXX, RI

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Risecredit, LLC
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: Was not notified of investigation status or results

Complaint:
As I am working to clear up things that are on my credit I came across XXXX XXXX  From XX/XX/XXXX in the amount of XXXX.I sent certified letters to them XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX, showing me proof this debt is mine. To date I have not received any thing from them at all regarding this business matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: PA
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.

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: STERLING JEWELERS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a phone call at my employer on XXXX/XXXX/21. I was not at work at that time and they left a number which is XXXX. They said they have a case number against me which they stated it was XX/XX/XXXXXXXX. They said it was for XXXX which is my name. But no last name. 
There are 2 XXXX  that work at my job and they gave it to the other XXXX and she called and they asked for her last 4 numbers of her social that is when they informed her they weee looking for XXXX XXXX which is me. When I got to work on XXXX/XXXX/21 they handed me the note and I called. They then told me to call another number when I would get out of work or they would send papers to where I work because they said they tried to deliver me papers at home but they couldnt. I have emergency custody of my granddaughter and someone is always here with her because of covid and the circumstances of why I have her she is at home most all of the time. When my husband and I leave for work her caretaker comes to our home and stays here. When I asked they said I should have received it in the mail and I said I never received anything in the mail and they blamed it on the mail system. 
It was a debt I owed 12 years ago to Kay jewelers for a charge of {$78.00} and they told me the total charge now was {$720.00}. 
Because I was so upset my daughter called the number and they said it was XXXXXX/XX/XXXX in California and that I was to speak to a XXXX XXXX. Also when my daughter said she was going to report then they called her a XXXX and hung up They had my social security number and my birthday. And I am worried about them calling my employer and them being concerned about me

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 2019-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They say I owe on a capital one account and give the last four digits to my social security card but Ive NEVER had a capital one account ever! They are call constantly to my home, cell phone and all my family members repeatedly. I would like them to stop! I NEVER HAD THE ACCOUNT NEVER!!!!!!!!!!!!!!! 
Constant harassment!!! 
Im also filling a complaint with the District Attorneys Office!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Klima, Peters & Daly, P.A.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/2023 I filed a XXXX XXXX XXXX, which included a garnishment collection. Due to federal law I'm entitled to receive funds back from XXXX days prior of the XXXX filing. After the discharge a representative from lawyers office made contact with Klima , Peters & Daly , P.A . and requested the funds. The Company/attorney from Klima, Peters & Daly . P. A. begin to not answer questions and became very allusive in communication. Upon receiving this information I tried to make contact and they again refuse to give me information about my account due to me 'having representation '. In XX/XX/2023 My lawyer again tried to communicate with Klima, Peters & Daly and talked directly to XXXX XXXX and was told a check would be cut and sent out immediately. The lawyer also advised that monies held by the sheriff office was sent directly back to my companies payroll. After communicating with my payroll and HR I was told that no money had been sent. in XXXX I again reached out to my lawyer and was told that they were having problems reaching XXXX XXXX. To this day XX/XX/2023 I have not received any payment and still getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Account Management Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from the collection agency back in XX/XX/XXXX stating that I owe {$900.00} plus interest to an XXXX for a procedure that was done in XX/XX/XXXX in XXXX XXXX XXXX. I havent done any procedure in XXXX! I contacted the collection agency and explained that this doesnt belong to me and asked for a backup documents. They sent me a screenshot of something that doesnt even indicated any proper information as when and why this procedure was done. They verbally told me that It was done in the XXXX XXXX. I contacted the XXXX XXXX XXXX and spoke to every department possible and they have no record of me as they shouldnt because I was never been there before. I called the collection agency back and explained but they refused to listen. I had a perfect credit of XXXX that I worked really hard over the years to achieve and because of this untrue charge my credit went down to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got behind on my car payments due to my job losing money. I was 30 days for a few months until I eventually was able to get my finances in order. I contacted XXXX to let them know I wanted to get my account up to date. I spoke with a rep named XXXX. We agreed that I would make 3 payments in the month of XXXX ( the payments were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to get my account current and that they would in turn let me skip a payment in XXXX and that my next payment would be in XXXX. I was also informed that they had no evidence that the car had insurance and they were charging my account and that I need to pay for the year they didn't have proof of insurance or provide proof that I did have insurance. I sent documentation that I did have insurance on my car. Mid XXXX, I once again started to receive calls from XXXX. I contacted them to asked what was going on and I was told that my account was past due for XXXX and the amount owed for insurance. I mentioned that I had an agreement in place to skip a payment in XXXX. The rep said that she didn't have that in the system but that they would look into reviewing my account to see if I was eligible for a deferral. This is not the agreement I had with them originally. She offered to have me speak with a XXXX but I said I wanted to speak with the rep that I had originally made the deal with. I followed up by sending additional documentation for proof of insurance which I am continuing to be charged for. Eventually, I decided to contact the XXXX in an attempt to get XXXX to honor the agreement we made back in XXXX. XXXX responded by stating some of the facts above but that I still owed other fees for insurance. I replied that I had sent two different emails to show proof of insurance but that I still wanted them to honor the original agreement. I asked them to bring up the recording of the conversation since they record calls. They have not done so to this date. As of this week, they are reporting my account late, and that I owe them even more than the original amount. They said I had not made a payment in the last 30 days but I have evidence by looking on their website that I have made the payment. Then followed up by reporting to XXXX that I am delinquent and owe them {$11000.00} when their website says my total amount for the loan, which I have for another 2-3 years, is {$10000.00}. I believe they are acting in bad faith and causing me hardship by reporting incorrect information on my credit report which has affected my credit rating. The XXXX account number is 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