BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is reporting incorrectly on my credit report a collection for XXXX. ( Please see the attached credit report. ) XXXX contacted me regarding a dept owed and the representative and I were trying to figure out this account because I had previously cancelled the account and XXXX consequently billed me incorrectly. The representative that I spoke with was going to investigate this error further and I was told that I would be receiving a call back. I never received a call and consequently XXXX just decided to send this account over to XXXX XXXX XXXX. When I was made aware that this account had gone to collections, I immediately contacted XXXX and explained the situation and XXXX agreed that someone should have called me back. XXXX agreed to take a payment and XXXX also informed me that they would contact XXXX XXXX XXXX to get this inaccurate reporting deleted. XXXX XXXX XXXX is now saying they can not delete this, which is totally incorrect. This inaccurate reporting is harming my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report. As per the Bankruptcy court they dont report to the credit bureaus. 

2. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Mohela customer service continues to be absolutely awful. Honestly, it amazing they are allow to manage anything when they can't manage a paper bag. Anyways, their automatic phone system says we should be getting PSLF credit for the month of XXXX. Normally, in the months of payment pause I would already receive credit for the minth but no credit is showing. I contacted them over XXXX business days ( which the response time mentioned on their messaging system ). I want to know if I will get credit for XXXX or if I should consider a payment to get credit. At this rate, it will be XXXX before they respond and I will miss a month to get one credit towards PSLF. I can't imagine how they sat on their hands for months doing nothing knowing that repayment should start at somepoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: IN
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:
I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a round trip airfare ticket online through XXXX on XX/XX/XXXX. The flight is scheduled for XX/XX/2018 and returning XX/XX/2018. I have explained to both American Express Serve and XXXX, there is no way I can use the tickets for this time frame as I have just started a new job. Neither of them are willing to assist me with a refund and I dont have {$270.00} to just give away. I was hung up on by both companies after they explained their policies and told there will be no resolve. Which does not make any sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: SC
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:
Hello, please be advised this is my second time disputing this inaccurate information taking up my time to do so with no accurate resolution. None of the accounts disputed had accurate information and was not reporting correctly. This has ruined my life and affected my chances of getting a mortgage so i can move my parents to a better and safe home and it is important mostly of this pandemic. i don't want them to catch the virus  so please hear me out. A few days passed and I still did not hear anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Experian Information Solutions Inc.
State: TN
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:
I am writing to you about my credit score  of XXXX that was reported to XXXX XXXX MasterCard, by Experian. I feel my credit score should be XXXX, because I dont owe anyone. I also pay off all my bills every month ; I also have excellent credit for the last 30 years. When I call Experian ( XXXX ) I am told that they can not give me that information ; they can only sell me a credit score. 

I have the right to dispute inaccurate information. Why is my credit score not higher than XXXX? Report # 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 2018-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
For a while, I frequently received visa prepaid cards from XXXX XXXX XXXX ( XXXX, N.C. ) to refund overpayments due to overbilling. These cards were hard to activate and I was never successful for at least one. I contacted the medical office and they referred me to the issuing bank ( XXXX or b of a, I thank ). The bank was unable to help me in some cases. 

I assume these prepaid cards are used for the convenience of the healthcare system and that they likely expire at some point, generating revenue for the practice as well as the bank. These parties also benefit by forcing me to create some account to activate and check the balance in the cards. It is grossly unfair to put me through so much when I paid by check as billed. I should not have to activate these cards or I should be paid by check. 

The cards were issued to either XXXX XXXX or XXXX XXXX. Our middle initials are XXXX and XXXX, respectively. Its likely be 18 months or more since we had the flood of these cards.

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 2023-05-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Edit Federal Trade Commission : IdentityTheft.gov FTC Report Number : ( to be generated ) I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, MO XXXX USA Phone : XXXX Email : Personal Statement XXXX XX/XX/XXXX Accounts Affected by the XXXX  Credit Card Opened by the Thief Company or Organization : the company Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Names : XXXX Addresses : XXXX XXXX XXXX XXXX XXXX ga Credit Inquiries XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 


XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 

* Check the box to sign your identity theft report : I understand that knowingly making false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

PreviousFinalize IdentityTheft.gov is the federal governments one-stop resource for identity theft victims. The site provides streamlined checklists and sample letters to guide you through the recovery process. 

Visit ftc.gov/idtheft for prevention tips and free resources to share in your community. 

Privacy Policy XXXX XXXX # : XXXX Under the Paperwork Reduction Act, federal agencies are not allowed to collect information from the public without a valid XXXX control XXXX. 

Create a Personal Recovery Plan Browse Recovery Steps Know Your Rights Sample Letters Warning Signs of Identity Theft What To Do If Your Info Is Lost or Stolen Credit Bureau Contact Info Other Helpful Contact Info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: MONEY SOURCE, INC., THE
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, Today XX/XX/XXXX just after XXXX I reached out to my loan company the money source, to ask about forbearance as my work hours have been cut. I work for a furniture company and there's a shortage of furniture so we essentially don't have any product to sell. The representative XXXX offered me forbearance with a large balloon payment at the end or refinance which wouldn't be helpful. I asked her for options other than a large balloon payment, which is not a practical option. Obviously if I can't pay for my mortgage during the intervening forbearance period I certainly can't pay it all at once at the end of the forbearance period. I mentioned to her that most of my coworkers were able to get forbearance with their mortgage companies and at the end of the forbearance the missed payments would be placed at the end of the loan. She told me that the law doesn't allow that and that option didn't exist and continued to encourage me to fill out an application which on further questioning was an application to refinance. She was polite but her main concern wasn't helping me, but instead convincing me to refinance or accept a massive balloon payment at the end of the forbearance. Neither option solves or even helps the issue. There was no option for a reduced payment either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Refund from taxes, back pay child tax credit, and back pay stimulus funds was deposited in my cash app account, where as my card was stolen, my phone number and email address was unlinked from the account, even my PIN number was changed without my permission. I tried requesting a new card and access to my account, cash app denying me access and wont explain whats going on due to security reasons. Im not sure if its because of the amount that was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Riverwalk Financial Corporation
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/18 I was alerted to a change in my credit score, and that I now have two collection accounts showing on my credit by a company called XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX TX XXXX. ( XXXX ) XXXX ). These accounts are current, and not delinquent or in default in any way. 

The accounts in question are paid and serviced through a company called XXXX XXXX. 
I contacted XXXX, and they instructed me to contact XXXX XXXX, claiming that XXXX is reporting the status of the debt to them erroneously. After speaking with XXXX, it was clear to me that XXXX can not do anything about the reporting of the account, and that they had been dealing with calls all day from other clients regarding this same issue. XXXX is the company reporting to the credit agencies, so they have to fix the problem. 

According to the management at XXXX, XXXX is a collections agency, as well as a company that apparently owns debt that is current. However, because they are a collections agency, when they report debt that they own, it shows up as a collections account. Obviously, this can not continue. Further attempts to contact XXXX for resolution have gone nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a XXXX XXXX account XX/XX/XXXX, the credit card was issued by XXXX, XXXX. After filing for a divorce in XXXX I was unable to continue making payments, my last payment was XX/XX/XXXX. Shortly after this XXXX reported my account CLOSED, yet then reported to XXXX that I was late 73 months. However, XXXX then reported to Equifax that I made a payment in XX/XX/XXXX ( which is absolutely not true ). This is their attempted to keep reporting this CLOSED account beyond the legally allowed time of 7 years. 

I have made repeated attempts to contact XXXX and the only reponse I got was a form letter stating they could not identify me. The outstanding amount is {$650.00} and it has been since XXXX of XXXX. I don't understand how they could continue to report the account late when by their own reporting it has been closed since XXXX. 

I have worked extremely hard to restore my credit after a XXXX XXXX and have almost perfect payment history since that time, XXXX is absolutely impossible to contact and I can't get them to obey the fair credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit 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 2021-06-03
Company: EQUIFAX, INC.
State: TN
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 have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX  ( 2 ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: VA
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 have tried to fix this problem on multiple occasions. It seems nearly impossible to get any assistance from Equifax on the matter considering I can not get a real person on the phone. I have called the other agencies but they still havent taken everything off, I have filed a complaint about fraudulent information be reported on my consumer credit report and it seems that some of it is still on my report.I would like the following items removed from my consumer credit report... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are 2 hard inquiries that was supposed to be erased as well... 

XXXX XXXX XXXX Also, I have never given any permission to report late payments for this account and this account has been charged off as of XXXX of XXXX. 

This is a violation according to 18 USC 1681a section 2

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. I have enclosed the fraud package that was sent to them. This account was created by a fraudster under my name without my knowledge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dear Bank of America, your attorney 's have sent me the reports for a wrong XXXX loan that ends with XXXX. That is not my mortgage loan. Please send me the paperwork for my mortgage loan which is XXXX. 
It does not feel good to play back and forth with you on this. I am really trying hard to avoid a lawsuit on this issue, since I have 10 more better reason to file lawsuit and I don't this one to be one of them. So please send the correct paperwork. 
Thanks.

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