BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 : Phoenix Financial Services Inc has reported to all three of my credit reports for a bill totaling {$76.00} This debt does not belong to me, I have not been to a hospital  in 7 Years. This debt again does not belong to me. So I am asking Phoenix Financial Services to remove their trade off all 3 of my credit reports. Or I will have no choice but to hire me a lawyer and make this a legal case. 

I am asking for the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Diversified Consultants, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I canceled my XXXX XXXX, XXXX service in XX/XX/2018. XXXX XXXX was unable to provide me service for over 2 weeks prior to cancellation. All bills including the bill through XXXX were paid in full and on time. XXXX, XXXX XXXX, billed me for a service period extending to late XX/XX/2018 XXXX {$200.00} ) which I did not pay. I made numerous calls to XXXX to resolve the billing error, the result each time ( after extended review ) was that I did not owe this bill and was due a refund for the period of non-service in XXXX. These calls went all the way to the Presidents office, always the correction was being processed and could take 60 days to clear their error. 4 months ago a collection company contacted me and again I reviewed the error. 2 months ago a second collection company contacted me and I again reviewed the error and was told they would correct the problem. 10 days later I was contacted again by the same agency that claimed no knowledge of the previous discussion. They were aggressive, I told them that I had made numerous attempts to correct the company 's error and not to contact me again. Now they have filed a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX XXXX XXXX conducted a hard inquiry on my credit report. Equifax states I need to contact XXXX XXXX XXXX XXXX to initiate the dispute. With a letter from them, I would then submit it to Equifax in order to remove the inquiry. 

This process leaves the power of an institution to make a mistake and removes my ability to have any effect on my credit file. As I have no relationship with this institution they may be less interested in providing me a letter which can lead to an inordinately lengthy resolution, if one can be attained at all. 

This is a problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: EQUIFAX, INC.
State: OH
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 submitted four letters to XXXX XXXX XXXXXXXX  Equifan. The letters state, according the 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had check my credit an found some late payments on my credit report, I have written 4 letter to transunion and XXXX   requesting a validation or deletion of these inaccurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA section 609b, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call, etc.. .XXXX  has removed this inacurate or unverified reporting, I have sent a copy of it.

This is a clear violation of the law and it will be reported with FTC, for these violations as well as this complaint constitude proof in a court of law for litigation.

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 2018-03-14
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: American Credit Financial
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not recognize the debt the collection agency is attempting to say that I owe. The dates they are saying I owe is incorrect and I did not take out a loan with the company they're saying I did. 

I have requested on XX/XX/2019 that they provide written proof of the debt, then again on XX/XX/2019. One of their representatives reached out to my father and stated that if I did not take care of the debt a bench warrant will be issued and I will be arrested. 

The representatives I have dealt with leave verbally abusive voicemails stating they are coming to my job to serve me, have yelled " XXXX XXXX will you give me your email!? ", etc. 

I have requested several times via phone and email that they provide proof of this debt and they refuse yet they continue to contact me. 

On XX/XX/2019 I received 8 back to back calls from one of their representatives,, I could not answer because I was at work. When I hit " ignore '' the individual proceeded to leave a voicemail and call right back numerous times putting my job at jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
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:
To Whom it May Concern ; I filed a Chapter XXXX in XX/XX/XXXX. I had purchased a 2010 XXXX XXXX, through Toyota Financial Services. I kept the XXXX, and the bankruptcy court paid the truck off in full. I have all the documents from my attorney supporting this. When they paid the last payment, the title was sent to my attorney, and when the bankruptcy was discharged, I received my title. The problem is Toyota Financial Service filed this with XXXX, and will not get it corrected. We sent them a certified letter on XX/XX/XXXX, explaining we felt that this was a violation with the FCRA.  They responded on XX/XX/XXXX, with their records are correct, and they are reporting to the agency in a manner that is consistent with their records. I'm going to attach all the documents to this letter, so you will see what we are up against. There has even numerous disputes filed, due to we hired XXXX XXXX to help us with this. We are now trying to also handle this, by doing what we can to get this corrected, along with XXXX XXXX. Everything has been cleared from our credit report, except something that was paid in full, our truck through Toyota Financial Services. 

Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Unlimited Progress Corp
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I contacted Creditors discount & A about a collection on my credit saying I had late payments for over 3+ years. I was confused and not knowledgeable about this not only was I under XXXX when they say the account was open I have no knowledge how I owe them {$680.00}. I never received a phone call, letter or email about this absurd amount. When I spoke to operator about this collection on my account she failed to identify me using my social saying she doesnt have information because I dont have an account, and is unclear how to help she tried a couple different tactics including trying to look me up under my phone number to see if its possible I had an account still nothing came up. I explained I have no knowledge of ever opening one and as I noticed she doesnt either so why is it on my credit reporting as a collection since XX/XX/2017. Please help I have already disputed this but there making it impossible. The dispute has been in review for weeks with no change.

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 2018-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Today XX/XX/XXXX I tried to connect to my capital one account from XXXX  in an effort to transfer my crypto funds to my capital one account in dollars. Capital one is blocking access

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear CFPB I am writing this letter complain about Bank of America change my XXXX   dollars and don't admit it.l just opened Bank of America check account one week ago. When l withdraw some money from my XXXX XXXX XXXX XXXX to my bank of America because l still used temporary card that time so it's failed, when the money returned to my Borker XXXX USD dollars disappeared, l called to my Borker asked who charge my XXXX dollars and they sent me little verified and confirmed bank of America charge my XXXX dollars with date evidence. l called bank of America more than 10 times and went to bank office spent 3 days try to fix this problems but they just don't admit it. 

I am visiter l believe there's more coustomer charge money for no reason because bank of America system problem, and they may can't speak XXXX or suit to expensive, so they give up. 

Bank of America need return my money and apologize wasted my time, l really disappointed about this low quality service, l can't trust Bank of America again. 

XXXX XXXX Looking for fix this problems XX/XX/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 monetary relief
Consumer complaint received 2018-09-11
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I answered an online add on or about XX/XX/2018 from XXXX XXXX XXXX claiming that I could save on my mortgage payments. I completed the online application. The site said that, if they couldn't offer a lower my rate, I would get a " prepaid {$250.00} Visa gift card. '' Please see the attached screen shot of this claim. 

I presently have a loan that I recently got at 3.40 % for {$430.00} K, paying {$1900.00} per month, fixed for 30 years. 

The answer I got on the online site was, as you can see, that my payments " could be as low as {$8000.00}! '' I called the number on the website and first spoke to XXXX in XXXX, MI. He then transferred me to XXXX at XXXX. I told him that his company should send me the {$250.00} gift card. He said, " Oh, that was only for loans to be funded only after XX/XX/XXXX of this year. '' I reminded him that there was no  mention of that date on their advertisement, as one can see from the attached webpage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: DISCOVER BANK
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018 Discover credit card has reported a miss payment to my XXXX  credit report and also on XX/XX/2018 reported to XXXX  and XXXX  with inaccurate and obsolete information thats shows on all 3 credit bureaus and they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Speedy Cash loan is reporting as a collection in my XXXX when the account was already paid off and closed. It even shows I dont owe anything yet still reporting on my XXXX as a negative item In my collections please help. The account is still showing its opened when that is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Suntrust is not following the rules regarding Regulation E and unauthorized transactions. I also know that they have not been properly reviewing my case because after I reported my claim and they denied it, they sent me a rebuttal letter along with a rebuttal denial letter on the same day. I circled the dates as well, I believe they do this on purpose to their customers who wouldn't know any better. I have proof that the letters were sent on the same day and the dates are also the same on the letters as well. I put in a claim with them on XX/XX/19 because I lost my bag, my debit card and id were in there so I called them and they made a claim for me. Two weeks later they denied my claim. I do not believe they did a proper evaluation of my situation. I was traveling in Texas when all of this occurred. I have counted a total of 60 Unauthorized transactions on my checking account which put my account into $ XXXX. My last transaction was on XX/XX/19 of {$12.00}. Everything after this transaction was unauthorized and im upset that Suntrust allowed this to happen to my account without taking any action or proper care towards my situation. Their investigator told me on the 10th day of the investigation that they'd have a decision that day and it made it seem like they were rushing just trying to get it done just so they could not help me with temporary credit because that was my only checking account and I had no money. My account was drained of exactly {$5200.00}. I look at my online banking and the first unauthorized transaction was on XX/XX/19 of - {$0.00} ATM BALANCE INQUIRY up until the last unauthorized transaction which was on XX/XX/19 of {$0.00} OVERDRAFT ITEM FEE NOT CHARGED. This doesn't even include the excessive fees that were charged that made it go into the negatives. I had {$5000.00} transferred to my checking account when I came to Texas to prepare for my vacation and I frantically reported the loss to Suntrust after I realized I didn't have my bag on me so I did report what happened as soon as I could.

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 2018-09-05
Company: GVA Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I contacted the company today regarding the loan. I have been paying XXXX twice a month since XX/XX/XXXX. I attempted to log on to my account to check the balance and review my contract. I am aware of the high interest rate of the loan but felt I had payed too much for the loan. When I tried to logon to my account access was denied. I emailed the company regarding this matter today and was advised I owed 2 more payments due on XX/XX/XXXX. One for a missed payment which I was unaware of any missed payments. I was told account information was not available at this time online. I was advised by email when I opened the account that I would have access at all times to this information. I requested a copy of my contract today Im the email and no response was given to this request. If they can not provide me a copy of my contract or interest I have been charged then how can this be a legal contract. I realize part is my fault for being desperate and dumb at the time. I printed a copy of the contact at the time but have moved since then and had misplaced it. They identify themselves on their website as a tribal lender in Montana. I am not sure exactly how much the loan was for again at the time I was desperate. I feel that withholding documents is not legal and I should be reimbursed the interest I have paid them at the very least. Now I am not even sure this was a legal lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: OneMain Finance Corporation
State: WI
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:
ive already contacted XXXX to initiate a dispute and noticed their not quick at there turn around process. so i did what could to reach out to the company 's on my end ike XXXX rep told me to do. i call one main local office and dealt with the office manger and district managers and also someone from the corporate fraud team. that didn't get me anywhere. so im filing this complaint because im mad at transunion and onemain. i am trying to get something removed from my credit report as a result of fraud and identity theft and if it doesn't get removed with in 60 days i'll start a civil lawsuit. last chance. i shouldn't have to live like i do with these scammers and stealing my identity and harassing me emery and no one 's doing anything about it not locally not statewide not federally. hope you can since that im a bit irritated,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 and my family are ready to purchase a home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please Remove these items from my account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11 13 and 16 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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