BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Last year in the month of XXXX i moved to Nevada into an apartment. During the move i submitted and address change through the post office. I had a leftover bill for XXXX aparments in the amount of XXXX. I sent them a check for that amount in hooes to handle that bill, but recieved the check and a letter from a collection agency about a month or so later stating i was in collections. It is not my fault he apartment failed to accept the check and then placed me in collections. It all happened during my move meaning somewhere along the lines there was an issue and the place should have accepted my check instead of sending me to collections with FCO. FCO will not remove or delete this. 
In XXXX of XXXX i switched from XXXX XXXX XXXX to XXXX with the promise that they would pay my disconnection fees. Found out this year in XXXX while trying to purchase, that XXXX failed to pay the bill and failed to notify me about this issue. They are accepting their failure and are paying me the amount owed for the bill but XXXX XXXX XXXX put it in collection with XXXX. If i would have been notified of their failure to pay i could have handled this before it went to collections. Due to XXXX negligence it has affected my credit and XXXX does not want to remove it from my credit. I have called both mutliple time XXXX and XXXX of XXXX and no one is willing to remove the mark on my credit. I took action and paid both but now im stuck with a negative mark till 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 2019-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
I initially co-signed a loan for my son in XX/XX/2015. That car was eventually totaled in an accident. When my son bought a new car from the same dealer, the dealer submitted my credit information without my consent or signature. ( account # XXXX ) When my son missed a payment late last year, it negatively impacted my credit score. I filed a dispute early this year which was rejected by BOA. I contacted them directly back in XX/XX/XXXX, and they admitted that the dealer fraudulently entered my credit info, and that they'd call back in a few days and have it removed from my credit history. I've never received a return call, and the negative information still appears on my credit bureau. I called and after a 30 minute hold, I was just told by a supervisor ( XXXX XXXX ) that it's still being investigated and that he'd submit the complaint again, but there's not much more he can do.

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 2022-03-01
Company: Rozlin Financial Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Rozlin Financial Group collected debt from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX didn't have the right address or phone number for me and I never was noticed of a payment I needed to make. I found out years later that this was on my credit report. I then payed it but I still need this to be removed from my report. I don't deserve this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: BB&T CORPORATION
State: FL
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 an inquiry on my credit report dated X/XX/16, from XXXX XXXX XXXX, at XXXX XXXX Fire XXXX XXXX, XXXX, NC XXXX. I have not applied for any credit with them. I sent them a letter asking for the valid proof or please remove the inquiry. <P/>they sent me back a generic letter that states, " this dispute relates to an inquiry or request for consumer report. <P/>I called in to XXXX XXXX XXXX and spoke to XXXX XXXX XXXX XXXX, said if we show the inquiry it must have made an credit application. <P/>They can not provide it or even be certain that I did actually apply, This needs to removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: NAVY FEDERAL CREDIT UNION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On I had {$90.00} return payment. I had issue with my XXXX XXXX. Which did get resolved. I quickly called XXXX to let them know I had gym payment that came out twice but I was getting refunded for the amount. I spoke to rep name XXXX in ach. I had ach issue before and she help me handle that problem. Since the previous issue was correct. I did n't want this small things to become and issue XXXX advised that she would watch my account to see when the return payment would happen. On XX/XX/XXXX Monday I call and she stated it probably will be Wednesday before it show up. I advised I would be going out of town for work. I would try to deposit cash in ATM at a branch or non branch here in my town. I was n't advised that a deposit at non branch would take several days to post. On XX/XX/XXXX I deposit {$180.00} into XXXX checking which would cover the return amount plus add additional money to my account. I was n't as sued this and that caused an issue as well. OnXX/XX/XXXX I made a {$140.00} payment over the phone with a rep and the rep used the wrong account. I was very frustrated. As this was n't fault of my own but the represent I had funds in my account XXXX not XXXX. I 'm just truly frustrated. I was told after 3 return payment the method to use transfer is suspend. Now my account is suspend again after 2 payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Reporting negative information on my credit report never late never charge off

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 2017-07-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
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:
IN MY PREVIOUS DISPUTES TO BOTH CREDIT BUREAUS XXXX AND XXXX REGARDING USAA FEDERAL SAVINGS BANK WAS UNSUCCESSFUL. BOTH BUREAUS CHOSE NOT TO REMOVE THE INCORRECT DATA FROM MY CREDIT FILE.DESPITE SUPPORTING DOCUMENTS THAT DISPUTES THE INCORRECT REPORT BOTH BUREAUS CHOSE TO ACCEPT USAA FEDERAL SAVINGS BANK 'S DATA.AGAIN, I HAVE ATTACHED ADDITIONAL SUPPORTING DOCUMENTS TO INCLUDE THE VEHICLE TITLE SIGNED BY A USAA REPESENTATIVE DATED X/X/2011.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: Atlanticus Services Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called Fortiva XX/XX/2017 XXXX to settle a debt ; I spoke to XXXX regarding ( patient ID XXXX ) he advised me that the account was sold to XXXX XXXX -- -I called XXXX and was advised this account was sold back to Fortiva -- I then called Fortiva again and was told that it was not with them but sold to XXXX -- -I basically got the run around and there was no resolve to this debt showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX  ( XXXX XXXX ) XX/XX/XXXX I spoke with XXXX about ended my contract with them. I asked them of I owed thwn anymore money and if I did I wanted to pay it so I could end all ties with them. I was told I didn't not owe them anything bill was paid in full. I believed what they said and moved on to another phone company. After many months I got a letter saying I owed them XXXX  dollars I called and spoke with them about it and I told them what I stated above I tried to fix the situation and figure out how to resolve it even though it was on their end. They wanted nothing to do with they threatened to sue me, garnish my check, anything they had to do to get their money. I have XXXX children and Bill 's I have to pay I have tried to fix this and I need this off my credit I can't do anything with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I hired an attorney to help with a modification. Me nor the attorney got a yes or no. They just foreclosed. They dual tracked. I left the attorney. And then tried to go back. He told me to stop calling he can not help or speak to me. I asked him why, and with him being so jittery i asked him if XXXX XXXX wells fargos attorneys, paid him not to represent me he said yes. What didbi expect him to do i would not listen to him. I need help with this.

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 2019-06-11
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I'd like to file a complaint to the Zelle account associated with the email XXXX. 

I tried to buy two tickets from his XXXX ad. The user went by XXXX XXXX and used the number XXXX. He was responsive via texting and I thought that Zelle, being tied to major bank accounts, would offer some kind of fraud protection services if this turned out to be a scam. I sent the email {$70.00} and never heard back and never received any tickets. The Zelle transaction was at XXXX MST, XX/XX/2019 with the transaction XXXX. 

URL - XXXX XXXX XXXX postID - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On  XXXX / XXXX /   17  I sent Equifa x Credit Information services,    XXXX    XXXX  and   XXXX    a letter regarding the bankruptcy being reported on my credit report, this letter informed them of inaccurate reporting and challenged the validity of the report. On  XXXX / XXXX / 17  I received a response that  XXXX   XXXX  had provided verification this information was correct. Prior to me sending a letter to Equifax,  XXXX  and  XXXX , I froze my account with  XXXX   XXXX  and have a letter verifying this was done, so there would not have been a way for Equifax,   XXXX   or  XXXX  to 'verify ' this information. Due to seeking out information and reporting public record as they are not supposed to do, my resolution is to have the bankruptcy removed from my Equifax,  XXXX  and  XXXX  credit file permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: EQUIFAX, INC.
State: AR
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:
XXXX i paid a real estate loan in the amount {$6900.00}. 
On XXXX/XXXX/XXXX i paid a credit card balance of {$4800.00}. 
Over the last 3 months i paid the balance on 3 other credit cards. 
None of the credit cards were canceled they just do n't have a balance. 
When i started paying my debt. i had a XXXX credit score of XXXX and XXXX  score of XXXX. 
Once these payments were reported my XXXX score dropped to XXXX and XXXX to XXXX. 
Because of this i was denied a loan at a bank. 
All of my payment history is good no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: ID Analytics, Inc.
State: LA
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:
On XXXX XXXX, an Auto dealership ran our credit to finance a new wehicle, I asked the dealership not to run our credit more than once, and only to a bank we have done business with for many years. But instead they ran it through XXXX different banks, My husband and I have been married almost 30 years and have excellent long term credit and have only lived in 2 locations. Anyway, we received 4 letters from different banks denying our credit, but one of them stood out because it has an agency listed on it we have never heard of, SageStream , LLC, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. They stated no score for my husband and one over 200 points lower than my actual score and stated, 1. limited history for consumer at address or phone ( present add. 11 1/2 yrs, same ph. # for same. 
2.limited credit history 3. Proportion of satisfactory trades too low??? 
THERE NEEDS TO BE ONLY ONE CREDIT REPORTING AGENCY

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 2017-11-15
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Conns Credit Company is reporting my account current as a victim of a natural disaster so they can continue to add charges, fees, late fees, etc., to the account to make the balance higher as they know once it is charged off for collections they cant add to the amount. I am NOT a victim of a natural disaster. I am a victim of credit card fraud recently : last week : but thats it. I also know for a fact they are doing the same thing to my husbands Conns account. 

They are very untrustworthy and I dont know how many other people they are doing this same trick to as to drive the amount owed to them higher and higher before charging it off. They also reported my husbands account as a victim of natural disaster and brought his account current as well while they continue to add to the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On my letter dated XXXX XXXX, XXXX sent to this credit repository, I disputed how incorrect Bankruptcy chapter XXXX XXXX -- -- XXXX # XXXX was reporting in my file. I was able to verify with the court that this piece of information is not in anyway linked to my social and date of birth. According to the XXXX XXXX XXXX  XXXX, this must be removed. The same was also disputed both to XXXX and XXXX XXXXnd both credit repositories REMOVED this item from my credit report. I kept records of all my credit reports before and after I disputed this item, proof that there is a problem with this credit repository on how they report information on consumer 's credit report and how they comply with FCRA in terms of investigation.

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 2019-06-02
Company: Bread Financial Holdings, Inc.
State: IL
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:
XXXX XXXX  PULL THE WRONG BUREAU, MUST PULL XXXX   ONLY, ALSO, XXXX XXXX, COMENITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ford Motor Credit continues to contact me at a work number that I have asked to not be contacted at, as per the company that I work for does not allow personal phone calls. XX/XX/XXXX - I spoke with XXXX as he called my work phone number. I advised XXXX that I was not allowed to have personal calls at work. XXXX informed me that we ( my husband and I ) are behind on our account, and he was calling to collect a debt. I advised that I can not have personal calls at work, and that he would need to call our cell phone. XXXX stated that my work number would be removed. XX/XX/XXXX - Spoke with another agent XXXX, as they called my work line. I immediately advised that the number they were calling was to be taken out of the account as it was a work number, and I am not allowed to have personal calls on that line. XXXX informed me that we ( my husband and I ) are behind on our account, and he was calling to collect a debt. I advised that I can not have personal calls at work, and that I have asked to have the number removed. XXXX stated that my work number would be removed. XX/XX/XXXX - XXXX from Ford Credit called my work number and had spoke with a co-worker letting my co-worker know that she needed to speak to me that she was calling for a personal matter. I immediately asked why they were calling my work number as I have asked twice that they not call since I can not have personal calls at work. I was told that she was unable to reach my husband on his cell phone so they could call me at work. I advised that this was against the law since I have already asked twice for my work number to be removed and my request have been disregarded. I did let the representative know that I will be sending a complaint and asked that my work number be removed. The representative stated that she will remove my work number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01
Company: Social Finance, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received alerts from XXXX that claimed I had no hard credit inquiries. Alarmed, I contacted XXXX by phone call on XX/XX/2022, since I have not applied, attempted, or requested any new lines of credit with anyone. I found out that a company called XXXX took it upon themselves to ding my credit with hard inquiries for a credit card and an apparent mortgage financing -- despite me never interacting with XXXX. Sure, they send me junk mail that gets shredded & recycled, but that is really not enough to run someone's credit. I tried disputing the information through XXXX 's website. That option was blocked for me on the website with a message that I must call XXXX about disputes. I called XXXX to request a dispute, & an XXXX staff member going by " XXXX '' outright refused to start a dispute. XXXX stated I should contact the company first. I was firm that I most certainly do not need to contact a company that I have never interacted with that is acting in a fraudulent manner. XXXX still refused to file a dispute. I informed XXXX that refusing to initiate a dispute is likely to be a violation of the Fair Credit Reporting Act ( FCRA ). XXXX still refused & refused to get a supervisor, just leaving me on repeated holds. It appeared to be a way to abuse my time & continue denying my rights. The only option they claimed that could be offered was to place a fraud alert. XXXX would not allow me to freeze my credit either. I wrote XXXX through a XXXX dm stating the problems encountered. XXXXXXXX XXXX XXXX team claimed that I could submit a dispute online. I reminded them that was untrue. XXXX XXXX XXXX team then claimed I could contact someone at XXXX to start a dispute. I again reminded them I provided a written statement about what actions I already attempted when I initially contacted them. XXXX made no effort to resolve the initial problem of a random company making hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A New York state Tax Warrant was issued to my husband and I on an amount owed that was still in dispute. I paid the full amount even though it could ultimately end up less money in our favor. I paid the full amount because it appeared on our credit report in our " public record '' section - lowering our credit score and making it almost impossible to get a loan. Our daughter is going to college in the fall and we need to secure a loan for her before then - this is a nightmare - 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 non-monetary relief