BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-10
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please be advised that I am writing this letter to enter a complaint to bring attention to Diversifed Consultant s unscrupulous business practice.

I have never been contacted by Diversified Consultants in any way shape or fonn by phone or by mail ever, most recently I noticed that they have added a collection to my credit file at XXXX.

I have had a previous agreement with XXXX  and have paid the balance in full.

I have disputed this with the credit agency, and have called diversified and spoke with a XXXX XXXXXXXX XXXX XXXX to infom1 them of this.

They are attempting to collect a debt that is already paid in full and have erroneously updated a negative report on my credit file.

Please investigate this matter and have this corrected. Thank you for your immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: VA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Vengroff Williams, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 I realized I was a victim of Identity Theft, after I received a XXXX XXXX credit card and a bill from XXXX for two new XXXX both of which I did not apply for. 
I had completed all steps to get those items handled, filed a police report, filed a FTC Report, froze my credit, etc. 
On XX/XX/2023 I received a letter in the mail from the debt collector Vengroff Williams who was trying to collect {$760.00} for a XXXX transaction. After contacting the debt collector I found out the transaction was completed at XXXX XXXX, which is located at XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. The XXXX employee informed me that in addition to my name on the contract for the XXXX rental two additional names had been added to the contract. Unfortunately XXXX would not provide me with the two additional contacts listed on the rental. The contract number is XXXX. The XXXX had been picked up from XXXX XXXX on Thursday XX/XX/2023 at XXXX XXXX and had been dropped back off on XX/XX/2023 at XXXX XXXX. The pickup date was prior to when I first filed my initial report. The original cost for the XXXX rental had been {$210.00}. 
The original police report has been updated and both Vengroff Williams and XXXX have been contacted and appropriate steps are being taken to get this 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 2020-07-24
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez/Shellpoint Mortgage took over my loan in XX/XX/2019 from bankrupt XXXX. They claim missing payments for either XXXX / XXXX, reporting me as delinquent even after I submitted proofs of payment during the transition months of XXXX, XXXX and XXXX. I reported them to the XXXX XXXX XXXX, but they insist I'm defaulting even after I submitted another six months of payment details. I called the company again, leaving a message but have not heard back. I need help, please!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Quality Asset Recovery LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed this claim thru XXXX about a double posting of a collection account of {$800.00} beginning of XXXX XXXX and XXXX is not going to take the double posting off my credit report. The open date is XXXX XXXX, XXXX on the double post. I have called XXXX XXXX XXXX XXXX, NJ and they said they will not take this amount off till I pay in full which is {$800.00} not {$1600.00}

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 2023-07-04
Company: Michel Law, LLC d/b/a Level One Law
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
On XX/XX/2023, I contacted XXXX XXXX in response to a direct mailing that I was pre-approved for a debt consolidation loan. 

I was told that the company assists not by giving you a loan but by contacting your creditors and settling your debts for less than you owe using Level One Law law firm. 

I was told to stop paying my creditors because an account with a company called XXXX XXXX would be opened for me. I would make payments of {$400.00} on the XXXX and XXXX of each month, which would be used to pay off my creditors and applicable fees. 

I was told about the fees and costs associated with the program. I inquired if these fees are charged upfront and were told no, these fees are collected once my debts are settled. 

I made my first payment on XX/XX/2023. ACH debits were also made on XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. On XX/XX/2023, I checked my XXXX XXXX account and was shocked to see that my account only had {$100.00}. All the money I have paid thus far was not saved to pay my creditors ; nearly all the money was being applied to fees. 

I emailed the company on XX/XX/2023 requesting to cancel and get a full refund of the {$2000.00} paid thus far. I only received an automated response that someone would reply in XXXX business days. 

I called on XX/XX/2023 to make my request and was told I could do it over the phone or in writing using the form in my welcome packet. No such cancelation form was given to me, so I canceled over the phone. 

I was told by the agent that once I canceled, I was only entitled to the balance left in my account. My only recourse was to wait until I got the {$100.00}, call back, and see if a supervisor could do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I went to XXXX XXXX to ask about Phone plans, So I can compare to my current Phone Plan that I have. I informed the XXXX XXXX Staffer not to take any action before giving me all the options then I will refer to my budget plans and decide which way to move. He informed me that he will see my old pulled report of credit score! I told him to make sure not to hit my credit score, He said I will not i will look at the old one. I ended up having a hard inquiry on my credit score. He said sorry for the mistake but that not gon na help me remove his mistake off my records. Please help me.

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 2020-07-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had left XXXX XXXX on XX/XX/2018, I had no contract with them and actually paid in advance for services ( cell phone ). I ended my services with them on XX/XX/2018, and received their final bill on XX/XX/2018, ( USPS ) which shows a credit balance, however, I never received the credit but no matter, I attached a copy of the last bill they sent in XXXX as well as an invoice with my new provider I was done with this company, a had to call a number of times, wait times longer than an hour, I just had enough, if you check your records they were actually sued for invoicing problems over billing! I have sent a record of the final bill I received from XXXX XXXX on XX/XX/2018, and the bill from my new provider that took over my services from the same day I ended from XXXX XX/XX/2018, why in the XXXX are we still arguing about this? I did my part and if you have a problem in believing me why don't you google their complaints online, that in itself should end this agony I have been dealing with since 2018.

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 2022-12-04
Company: Experian Information Solutions Inc.
State: SC
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2021-10-15
Company: Sterling Infosystems Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Yeterday ( XX/XX/21 ), I signed up for XXXX. XXXX uses XXXX for background checks. Today ( XX/XX/21 ), I received my report, and there is false information on it. I know for a fact I have a perfect driving record, I am not a XXXX XXXX, and I have not committed any federal crime. I believe information from a XXXX XXXX  with my same name in TN is coming up on my report. He is XXXX years older than me.

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 2023-04-14
Company: EQUIFAX, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/ Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card went missing and i didnt realize it until today, i checked my email and they said there has been deposits and money taken out again. I had {$400.00} in my bank account and its gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 CHECKED MY CREDIT UPON TRYING TO PURCHASE A HOME TO NOTICE A STUDENT LOAN ACCOUNT : USDOE/XXXX THAT REFLECTS MY CREDIT THAT I DID NOT OBTAIN NOR APPLY FOR. I CONTACTED ALL OF THE CREDIT BUREAUS ( XXXX, XXXX, TRANSUNION ) AND THE CREDITOR LISTED TO NOTIFY THEM OF THESE FRAUDULENT ACCOUNT.

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 2023-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The card was opened by identity thief on XX/XX/22 through capital one I contacted them the day of & had it stopped immediately. 
The hard inquiry that was obtained by the identity thief hasnt been removed so Im hoping you can help me take care of this, I do have the letter from capital one stating it was a case of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased this truck through CREDIT ACCEPTANCE CORP after I filed for bankruptcy the vehicle loan was not included in the bankruptcy. I found out that CREDIT ACCEPTANCE CORP decided on their own to list the vehicle financing in the bankruptcy. I called the finance company and tried to explain that the vehicle was not included in the bankruptcy but the finance company wouldn't listen and has listed the loan on my credit report as closed and isn't reporting any payment information thus affecting my credit negatively. They now require me to sign a reaffirmation document which I should not have to sign because the loan wasn't included in the bankruptcy.

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 2020-07-13
Company: Experian Information Solutions Inc.
State: AZ
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 applied for a XXXX XXXX Credit card a few weeks ago and I was not approved now today XX/XX/20 I received a letter in the mail stating the reason why I was not approved was because there are many accounts in negative standing appearing on my credit report. I looked through my credit report because I wasn't aware that there were negative accounts on my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way. I did not allow any of these accounts to be opened in my name nor did I gain anything from them being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these accounts. I have already filed a police report regarding these unauthorized accounts.

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 2023-06-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX XXXX Two gift card purchases were made from XXXX fir a XXXX  gift card needed in order to pre pay for XXXX  account they told me I need to prepay because XXXX  has teamed with them for this promotion. The XXXX  scammers had there lines customer service exactly like XXXX, I would literally call and get XXXX  customer service that was set up so well. I applied for dispute and was denied. Im so upset that I was manipulated and my bank did nothing to help me. I have kids and single working mom. I really cant afford to loose this amount. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have received several phone messages from a phone number starting with area code " XXXX, '' both at my personal cell phone number and at my direct work line. I have not returned any messages as each voicemail was extremely vague and was suspicious. Today I received a memo from a co-worker to return a XXXX XXXX 's call at XXXX XXXX. I returned the call immediately, the phone was answered with the salutation " loss mitigation, '' and I asked for XXXX XXXX. XXXX XXXX came on the line and said he had to " gather some paper work for a complaint lodged against [ me ] '' with claim number XXXX ( I wasn't able to get the rest of the numbers and he did not repeat them when I asked XXXX. He said he was from the legal department of a company called HFS and wanted to verify my identity, he then proceeded to read out my entire social security number and my address and said " is this you? '' I was completely flabbergasted at this company 's lack of information protection practices and XXXX continued to badger on through the conversation and said " good, this is you. '' He then said they were retained by XXXX regarding a debt I had and a judgement they wanted to pursue against me. I was not able to get a word in edge wise because XXXX continued to talk over me in an extremely threatening manner, he also mentioned a company called XXXX XXXX which I wrote down but again, he was talking right over me and would not repeat anything I asked him to, so I have no idea what he said regarding that company. I advised XXXX to please have XXXX proceed with any legal proceedings they deemed necessary and asked to please not be contacted at work. He then proceeded to threaten me and said that my work was already involved because I would be garnished 25 % of my pay, along with several other threatening tactics meant to intimidate. He then terminated the phone call after saying that " If all [ I ] wanted to do is argue, [ I ] could end the call. '' I am extremely disturbed by these collection practices which are so far beyond illegal and would like this to end immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CITIBANK, N.A.
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX my Sears/CitiBank card was used to charge {$500.00} in airtime on a phone located in XXXX, XXXX. I live in XXXX, XXXX, XXXX miles away. The card was immediately flagged as " suspicious '' and I confirmed via email I did not authorize. A new card was issued but the disputed, fraudulent charge was carried forward. That was six months ago. Multiple contacts via phone, emails and two lengthy letters describing in detail how this charge was fraudulent and not authorized have not resolved the issue despite constant assurances it is being addressed. Now, late payment and interest charges have been applied to the unauthorized charge which I refuse to pay unless I receive evidence I somehow am responsible. I have contact, per instructions, and sent documentation but in six months, despite repeated assurances, the only communication received from CitiBank/Sears are notices from collection agencies.

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