BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX at approximately XXXX I called Credit Collection Services XXXX I spoke to XXXX XXXX. I informed her that I was an Attorney, and I asked that they validate the debt they were trying to collect on. The underlying transaction was from XXXX XXXX on XX/XX/XXXX - Account Number : XXXX Lab Code : XXXX. The outstanding balance had previously been paid to XXXX, and I have confirmed that I have XXXX balance with XXXX. 

When I asked MsXXXX XXXX to validate the debt, she gave me the date of service. I confirmed the date, but explained that there was no balance owed and that she was trying to collect on a debt that was not owed. I said that she needed to validate with XXXX, she said no that I needed to provide proof of payment. I again asked her to validate the debt- she refused. I next asked if her company was licensed in Michigan and to please provide me the license number, she refused. She said she didn't know if they were licensed in Michigan. Next I asked if she was licensed in Michigan, again she refused. 

My complaint is they were trying to collect on a debt not owed, refused to validate the debt, and refused to disclose if they were licensed in Michigan, or to give me their license number. 

I believe that they are not in compliance with the FDCPA. 

XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NY
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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX  HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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 2021-04-09
Company: EQUIFAX, INC.
State: PA
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
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 this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}

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 explanation
Consumer complaint received 2019-09-25
Company: Experian Information Solutions Inc.
State: NJ
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 Got a letter from Experian telling me I could not get a credit because of insufficient credit am XXXX years old have had credit for at lest 20 yrs, next was Level of Deliquency ihave none ratio delinquencies to in come that is wrong. Please help

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 2020-11-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I co signed on a car in XX/XX/2020 thru XXXX XXXX in XXXX new jersey. I was not shown nor aware of XXXX XXXX XXXX being applied as I was just given a signature pad and asked to sign and was not shown what I was signing. The vehicle was totaled in an accident 2 weeks after purchase. I contacted insurance company who paid credit acceptance XXXX in XX/XX/2020. I then reached out to credit acceptance also XX/XX/2020 they told me my remaining balance was XXXX they agreed to accept XXXX a month toward remaining XXXX, they did at that time offer me XXXX to settle account. I checked my credit report today the reported a late payment on the XXXX however did not change the balance owed. I called them today and questioned the late payment as well as balance and they are telling me I owe them XXXX now.

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 2019-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a current 30-year mortgage with Bank of America ( BOA ). The interest rate is 4.5 %. My FICO credit score is XXXX. I have paid off my student debt and car loan so the only debt I have is the mortgage. 

About a month ago, with interest rates falling, I applied to BOA for a re-finance quote. They quoted me 4 %. I thought that was high, so I did some research online and obtained a 3.375 % quote from another lender. BOA asked for the opportunity to match the rate and said it would be easier for me to remain with them since it would be less paperwork and more convenient. Stupidly, I agreed and told the other lender that I would not be taking their offer. 

During the following weeks, BOA sent me Closing Disclosures ( CD ) that showed they would pay me {$630.00} at closing ( see attached ). The last one I received was on Wednesday, XX/XX/XXXX. Because I work a regular XXXX - XXXX job, BOA scheduled my closing for XXXX yesterday, XX/XX/XXXX at my home. When the closing agent arrived he gave me a CD that showed I needed to pay $ XXXX at closing. I was shocked. I am not a drug dealer so I don't have that money lying around at home. I called BOA and spoke to the loan manager ( " XXXX '' ) and she said it was for property taxes. However, that amount was significantly higher than the amount quoted in the XX/XX/XXXX CD.  Additionally, in none of the many email and phone correspondences between me and BOA from XX/XX/XXXX -XX/XX/XXXX, NOT ONCE did anyone mentioned that I need to bring any money to closing. Needless to say, I was unable to do the closing and will be cancelling the re-finance application and taking my business elsewhere. 

I noticed today that interest rates have now gone back up. 

I strongly believe that BOA knew that could not truly match the rate of the other lender and resorted to a " bait and switch '' scheme to entrap me. 

How is this fair? How is this remotely honest? Is there any remedy or options to punish BOA for engaging in this practice?

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 2021-03-29
Company: Financial Assistance Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying for months to get resolved an account that was opened due to identity theft. 

The original debt was with XXXX XXXX XXXX and I believe Financial Assistance is the one collecting on it. I have contacted the person in charge of the collection and forwarded them a copy of my police report and to no avail they continue to report this debt on my report They are reporting 3 accounts XXXX, XXXX, XXXX. I am attaching a copy of the same police report i sent them in hopes someone can help me get this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted numerous times clearing up a debt on my credit report that is not mine. XXXX cable opened an account in my name that I never authorized. I also never lived at the address they opened the cable account in. They can see my address history on my credit report and the address on their account I never lived at. They keep sending me a paper asking for police reports and massive amounts of personal information. It is their responsibility to prove the account is valid not mine. I have no collections on my credit besides this fraudulent account. XXXX cable removed the account for many months then all of a sudden they have now sold the account to convergent outsourcing and they began reporting an account starting XX/XX/2021. They are again trying to collect on a fraudulent account. They are also attempting to start reporting on me again from 2021. This account I have been fighting for years!! It was not opened in 2021. I want this account removed! I am attaching a screenshot showing that XXXX cable is attempting to report on my credit again and I have disputed it.

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 2020-11-30
Company: Bread Financial Holdings, Inc.
State: TX
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 purchased software from XXXX XXXX XXXX on XX/XX/2020 for the price of {$1300.00}. The software was a scam and did not work as advertised. I tried filing a dispute with the XXXX XXXX but was told it was closed because XXXX XXXX said that I did not provide them with a receipt. That was a lie because I had emailed XXXX XXXX my receipt when I initially asked for a refund. I have been scammed and my credit card company will not refund me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Ability Recovery Services, LLC
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2020-11-30
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
AmeriSave Mortgage Corporation NMLS ID # XXXX I began a mortgage refinance transaction with Amerisave XXXX XX/XX/2020. I provided all requested documentation and questions ( almost always within 24 hours ). By XXXX XXXX, I was frustrated with the pace of the process, complete lack of communication, and Amerisave 's inability to articulate the path to closing of the transaction. On XXXX XXXX I requested a closing date to be set by XXXX XXXX XXXX XXXX XXXX I requested the closing date. Again, on XXXX XXXX I requested the closing date or 'a concrete action plan to get us there '. On XXXX XXXX a request to digitally sign a closing disclosure was made and this was completed on XXXX XXXX XXXX XXXX XXXX @ XXXX EST, I requested a call to discuss the situation. On XXXX XXXX @ XXXX EST I requested a cancellation of the transaction, refund of the up-front payment of {$500.00}, and removal of my personal information from their systems. On XXXX XXXX I requested the refund again. On XXXX XXXX I received a response from XXXX XXXX acknowledging the cancellation and refund request and confirming he had 'processed ' it. As of XXXX XXXX, I have not received a refund and Amerisave representatives have ceased communication. 

I have email documentation of every stated date and action. 

My initial communications were were XXXX XXXX ( Loan Originator NMLS ID # XXXX ) and were entirely satisfactory. On or around XXXX XXXX, I was handed off to XXXX XXXX ( AmeriSave Mortgage Corporation NMLS ID # XXXX ) at which point communications repeatedly failed. XXXX XXXX ( Mortgage Sales Manager NMLS ID # XXXX ) was reported to me as XXXX XXXX XXXX manager.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions Inc.
State: CA
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 filled out my information for a free credit score from experian.com and was denied my free credit score unless I paid a fee. There is no fee mentioned before I put my information to get my free credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have made several deposit to my account with TD Bank. I have received several {$35.00} fees for the transaction on the same day that a deposit was made. I have been charged {$170.00} this week along with Fees but I am making deposits into my account on the same day. The transactions are in a pending state when I make the deposit and my account is not showing a negative balance at that time. I am really upset by a recent {$35.00} fee where my account was {$.00} ( XXXX XXXX ) overdrawn by a transaction and the bank charged me {$35.00}. This is so unfair to me because the money deposit shows credited the same day as the transactions. I really need my {$170.00}. I just had medical XXXX and do not have money to give to the bank at XXXX. I want a refund for all of the fees because a deposit was made the same day. I do not understand their processing although I was explained and it was not like this when I open up my account. There should be a federal regulation that permits the bank to not processing credits like this. I should get credit based on my deposit that day and then debits should come out. Other banks use this process. TD Bank has an unfair policy. 

Also, bank paid my mortgage payment which the money was not in there to cover it. This caused the overdraft fees. I thought that I was signed up for them not to pay for transactions if the money was not in my account. I do not want to overdrawn my account to pay something if the money is not there. 

Finally, a lot of the bill pay is going out too soon and getting paid before I want them to. I get paid on the XXXX, XXXX and XXXX. I set bill pay up so money is in account. Bill are coming out too fast and frequent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019 ( approximately ), I mailed my monthly payment check to USAA Bank on my USAA RV Loan. I mailed a personal check on time for the payment amount of {$180.00}. Unfortunately, the monthly payment was actually {$180.00}. Therefore, I inadvertently wrote my payment check to USAA for XXXX cents short. As soon as USAA notified me of my error via mail, I immediately wrote and mailed a check to them for " XXXX cents ''. During this incident, I was going through a home refi loan. I was soon thereafter informed by my loan broker that USAA issued me a 30 day late on my account to the credit reporting agencies ; due to my XXXX cent error. When I telephoned USAA regarding the issue, I was informed to write an explanation/defense letter regarding the incident and they would conduct an internal review of the incident, in order to determine if their credit damaging action was valid. In one later response, USAA notified me that their final decision regarding my explanation/ defense was deemed " frivolous '' and that the 30 day late that USAA issued to me to the credit reporting agencies was valid. ( Ironically, USAA Bank didn't view their aggressive credit ruining actions regarding my minor XXXX cent error as frivolous ). Since that time, due to my frustration with USAA Bank 's unprofessional action against my credit history, I have recently sent a loan payoff check to USAA, so that I can close my RV loanand eventually end all customer banking services with USAA in the future.

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 2019-05-02
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: Personal information incorrect

Complaint:
Fraudulent addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX purchases using XXXX Comenity Bank Credit card XX/XX/2020 {$210.00} XX/XX/2020 {$120.00} XX/XX/2020 {$30.00} My bank account debited XX/XX/2020 {$210.00} Current bill {$150.00} will be debited from my bank account XX/XX/2020 Total of {$370.00} billed Due credit of {$310.00} Items were returned by mail using XXXX printed labels and instructions on XX/XX/2020 and XX/XX/2020 Two items were kept value of {$61.00} Phone calls and online chats to both XXXX and Comenity Credit card have not resolved this issue. I'm told to wait and apply for a refund when the credit appears on my card. There is no indication that these items have been credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called my mortgage company on XX/XX/2021 and spoke with a agent and she said the mortgage company is not insured by FDI and there for they cant help us and pressuring me to somehow pay late late balance

Company response to consumer: Closed with explanation