BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are 4-5 medical collections that does not belong to me and it's a fraud and it's attached to a name called XXXX XXXX ... That's not my name!!!! I was shocked when I reviewed my credit report this week and I found multiple medical collections on my credit report from the 3 major credit bureaus from your company ( First Financial Resources , Inc . 
) that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Problem # 1 - Since early of XXXX, I started having numerous fraudulant/unathorized charges on my checking account. Of course I would dispute them, the bank would take care of it and reimburse me. At first did not seem to be a big issue. But as ytime went on, I began to realize that this was happening a lot. There came a time where I spent more time waiting on a new card, changing auto bill pay, then actually using the card. I asked about closing this sccount entirely, but was told that was not possible, as there were open disputes ( Which there seemed to always be for over a year ). There were even instances where I would call pertaining to a charge I did not make, they cancelled my card, sent a new one, and the very next month there was again another charge from The same company! This really got me worried when I started receiving multiple letters and notices about my information involved in data leaks. I attempted to talk to a banker regarding this matter, the banker " missed '' two meetings in a row. Almost as if she really wanted to avoid this meeting... I'mstill unsure as to why. I wrote her an email stating my concerns, she wrote back seemingly absolving herself of any wrong doing and tries to pass me on to a different person. At this point I was ready to just leave the bank entirely ; but of course I could not with pending disputes and transactions. 

Problem # 2 - After all this started to happen, I then noticed that my savings accounthad complely disapeared from online banking site, as well as app. I've gotten a few different answers and reasons as to why, i.e. " The app hasnt totally migrated yet, '' etc.. This is VERY unsettleing considering this account started with over {$90000.00} in it earlier that year, and has dwindled to nothing. Bringing me to Problem # 3 - Overdraft fees Overdrafft fees and more Overdraft fees... So many Its hard to count ... .YET, ON ALL MY BANKING STRATEMENTS, THE BEGINNING BALANCE, ENDING BALANCE AND EVEN DAILY BALANCES LISTED ON THE STATEMENT NEVER SHOW OR REFLECT A NEGATIVE BALANCE, ALMOSE AS IF TO MISLEAD SOMEONE CHECKING THEIR BALANCE. This add up to hundreds of dollars ( not to mention the fact I can not get an answer as to why there was no interest paid on that account ), and now this account has ended suddenly, with a single dispute ( mind you Ive counted I beleive at least 13, where they denied this one dispute ( Which happened to be the largest on financialy ) ), only to lead my account so far into the negative I could not recover it. I has now neen " charged off '' They tell me, with " open disputes '' still occurring on it and credits coming back to it as I write this. I really think there are errors that I also have missed at this point, but I'm no banker and I'm exhausted trying to get answers. They will " fix '' my missing account, only to have it disappear again... 
Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
COVID19 CARES ACT PAUSED STUDENT LOAN PAYMENTS XX/XX/2020 TO XX/XX/2020. I PLAN REHAB AFTER UNSUCCESSFULLY DISPUTING WHAT IS OWED. ONCE I BEGAN TO PAY, THEY BEGAN TO RUID MY CREDIT SCORE FROM DECREASED BY XXXX  POINTS FROM NEGATIVELY RUINING MY CREIDT. CARES ACT WOULD ALLOW ME NOT TO PAY UNTIL ORIGINALLY XX/XX/2020 TO XX/XX/2020. IT HAS NOW BEEN EXTENDED UNTIL XXXX 2020. I NEED MY CREDIT SCORE REPAIRED TO THE GOOD STANDING THAT IT WAS IN PRIOR TO REHAB PLAN. THIS IS DECEPTIVE AND FRAUD.

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 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I Have a problem with all 3 credit reporting agencies and how my FICO scores have been updated/handled, which would be XXXX, XXXX   and Trans Union. I have been trying to work on my my credit scores since late XXXX. What has happened with my credit scores recently is after paying off a debt or collection account, my credit report will be updated showing this information but it shows like a new collection account even though i paid my balance down to {$0.00}. This will cause my credit score to drop drastically. The first time this happened was around XX/XX/XXXX and my score dropped about 40-44 points  across all 3 credit bureaus. 

Just recently ( XX/XX/XXXX ) my credit score dropped about 35 points for no reason. The only thing changed with my credit was i dropped my credit card utilization % between XX/XX/XXXX and XX/XX/XXXX. I have no idea why my credit score dropped and this has and will cost me and my family a lot of money. 

Over the last 3-4 months, i have lost about 80 points on my credit score for simply trying to pay my bills and do the right thing. I'm looking into an explanation as to why my credit score has dropped and if it is found that my credit score was dropped incorrectly, i would like for this to issue to be resolved by updating my credit score properly and giving me back my 80 points lost over the last 90-120 days.

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 2023-11-13
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is charging me for auto insurance after I cancelled. They sent me to collections without any phone calls or messages. I had moved and did not receive any mail. I contacted the insurance broker I was going through for weeks with no response. I asked to have collections retracted and to give me reasons and balance owed. I was told after submitting my cancellation declaration and proof of new insurance that my only option was to pay the collection company and they would not remove from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: CITIBANK, N.A.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The options it gave to describe the problem were not broad enough to include our issue - so I choose closest option. 

This debt resulted from the credit card purchase of a XXXX XXXX cell phone at Best Buy. The camera was defective. The entire selling point for this {$800.00} phone was the camera - we could have purchased ANY old phone to text and call! We reached out to Best Buy multiple times, they REFUSED to help in any way. No exchange, no refund. We then sent the phone to XXXX for repair under warranty, but when they sent it back the camera was not fixed. 

As it was purchased on a credit card and the balance remained, we called the creditor to file a dispute. They refused to take our dispute. We followed up by putting it in writing and sending it certified mail, return receipt. They would NEVER acknowledge our dispute and continued billing. We sent another notification of dispute and copies of documentation again with the billing statement. NO RESPONSE. Months later, we get a collection notice from XXXX XXXX XXXX. We informed them it was a disputed charge and they ceased pursuit. Now, a few months later, this attorneys office, XXXX XXXX  XXXX, are aggressively pursuing this matter. We have informed them it is a disputed charge and provided them will all documentation. They have failed to respond to our communication on the matter, have sent the XXXX XXXX to our door attempting to serve legal papers, and most recently sent notice to the postmaster for address confirmation to serve legal papers. They do not care that this is a rightfully disputed debt. They are pursuing it aggressively, looking for an easy payout. We intend to fight this fully, but these kinds of tactics should not be permitted. 

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX We had every right, under the consumer credit protection guidelines, to dispute this charge. We have documentation to support everything that we did in effort to resolve this matter. Prior to this, we had a long-standing account demonstrating excellent payment history with Best Buy. 

The fact that they are continuing to aggressively pursue a disputed debt, even after they have been notified and provided more than sufficient documentation to substantiated that is appalling and wrong. 

Lastly, as they have ALSO been notified. We do still have the phone in question in its original box and would be MORE than happy to return it to them immediately, provided any negative credit reporting related to this matter is corrected and removed.

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 2020-12-24
Company: Alorica Inc.
State: CO
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:
Disputed this account numerous times and its taken more than 30 days to get a response. 

Systems & Services Technologies/Pioneer is the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
With Transunion and XXXX, I disputed on numerous occasions ; latest being XXXX 2022 on collections subject to FCRA violations : 15 U.S code 1681a 2 as well as 15 US code 5 section 1681b and asked that collections be removed immediately. The only response I received was that they ( reporting agency ) were in compliance with FCRA and refused to provide from who or where they received info on my complaints. Transunion has denied me to dispute my concerns any further. I need these items removed as they are negatively impacting my scores. Below are the collections/charge offs I have disputed with the credit agencies : ( Transunion XXXX XXXX XXXX XXXX for {$2300.00} - XXXX {$540.00} - XXXX  {$310.00} - XXXX XXXX XXXX {$640.00} 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 non-monetary relief
Consumer complaint received 2020-12-24
Company: BTH Management
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
the collection was added to my account as a newly opened debt from XXXX, I am not sure when it was open but it was before XXXX. I have disputed this with all credit bureaus but they say the debt is valid. They are not even reporting accuracte dates or amounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: GA
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:
This is a general complaint with how my Experian FICO score is impacted by paying off the monthly balance on one of my cards. I currently hold several credit cards with XXXX balances and use one regularly. What I have noticed is that if I leave a small balance on the card I use regularly, my Experian FICO score isn't negatively impacted. If I pay off the card in any given month and my statement shows a XXXX balance, then my Experian FICO score drops substantially. 

For instance, this month ( XXXX ) I had a small overpayment of {$7.00} on my XXXX XXXX  XXXX  beginning with XXXX on Experian 's website, so my XXXX statement balance for that card on XX/XX/XXXX was - {$7.00}. That is the only balance I had on ANY of my credit cards. On XX/XX/XXXX, my Experian FICO  score PLUMMETED XXXX points because of the negative balance on this card 's statement. This is egregious. Paying off the balance on a credit card ( not closing out the account ), should not cause this type of drastic reduction in a FICO score. It's like you're being punished for being responsible. 

I realize this is most likely a problem with all credit reporting agencies, but I have noticed it happening like clockwork with Experian. I would like to know if anything is in process to " fix '' this problem. When the FICO score is so prominently used when applying for new credit or loans, I would hope something is being done to remedy this issue.

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 2020-12-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I signed up with a company called XXXX XXXX, they are a program for mortgage professionals. I have cancelled with them since XX/XX/XXXX!! 

I don't check my credit card statements often because I don't use the cards often. 

This company has been charging me after I cancelled with them since XX/XX/XXXX!!! XXXX dollars a month, and some months XXXX dollars! 

I disputed this with Chase and they said they can't do anything, because they can't only credit me for 60 days and they will contact the merchant as well to get them to stop charging me. 

Well it's now XX/XX/XXXX and the merchant sure enough is still charging me!, I have not used the card and finally logged on to check my account and prepare for tax season and I see that I am still being charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 2022-12-17
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX, XXXX XXXX NC. At which time, I traded a XXXX XXXX XXXX XXXX XXXX which was financed with Ally Financial. When the dealership was process was processing the payoff, they used an incorrect payoff address for Ally Financial. 

For approximately 2 months, I received debt collection calls from Ally Financial. the first representative I spoke to with ALLY Financial informed me to have the dealership, XXXX XXXX, provide me with a statement on company letterhead regarding what happened ( see attached ). I promptly visited the dealership and was provided with the letter of explanation. I asked the same representative if I should pay the loan to give more time and keep the loan out of default and was told no. The reasoning was that any over payment would likely be sent back to the dealership, XXXX XXXX, and not refunded to me. Following Ally 's advice, I did not make the payment. Ally assured me there would be no negative action on my credit. 

Subsequently, I have filed numerous disputes to all of the credit bureaus without a positive outcome. Ally takes pride with letting customer know that " calls are recorded '' so I asked for transcripts of the calls on multiple occasions. All requests were either denied outright, customer service representative ( CSR ) stating they had no access or CSR submitted a request that have all been denied. 

The result has been paying higher interest on loans and or loan denials.

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 2022-10-09
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: Information is missing that should be on the report

Complaint:
XXXX and myself taken to court for past due rent see attached files. Mobile home park not awarded total asking for court awarded {$370.00} total judgement all we were to pay {$370.00} awarded XX/XX/2017 judgement paid in full XX/XX/2017. Mobile home park reported to XXXX XXXX XXXX XXXX balance of what they were sueing us for they report we still owe {$460.00}, after giving XXXX XXXX for {$370.00} we were ordered to pay by court. I have sent copies to XXXX XXXX and XXXX XXXX XXXX home office to no avail. This is still being reported on our credit files erroneously since XXXX I have also sent copies to all 3 credit bureaus the state info is accurate. This is just not true and they have not deleted this off our credit files. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: MoneyLion Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/XXXX I received an unsolicited Debit Card issued by XXXX/MoneyLion XX/XX/XXXX I used the online chat system from the website and ultimately called customer service to ask why the card was sent. The representatives asked for every possible piece of personal identification, from Social Security number to date of birth, all contact information from address to email and phone. Then they confirmed 2 accounts were opened using my information BUT they refused to give me any information on how they were opened, when, or by whom. They insisted that I would have to submit an affidavit to their fraud department in order to open an investigation and that it would be mailed to me. Then before I could request any additional information they said a hasty goodbye and hung up on me. 

**The phone number in the letter they sent with the card was a non-working number.

Company response to consumer: Closed with explanation