BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-31
Company: ENOVA INTERNATIONAL, INC.
State: VA
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:
I contact XXXX on XX/XX/2018 to alert the company that a fraudulent loan had been obtained in our name. Since that time we ( my wife and I ) have continued to contact them by way of phone, email, and fax to remove the information from my credit report. As of XX/XX/2018, the company sent me a collection email when my wife called customer service on XX/XX/2018 to inquiry about the status of the identity theft. At that point, she was told once again, that we were behind on payments. When she communicated that this was identity theft, she was told they had not received the information so while on the phone she emailed the documents to customer service. 
I have upload the communications to the company minus an original fax that was sent in XX/XX/2018 that I can not locate the confirmation page. Though, at that time, I sent the documents via email and mail. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Collectibles Management Resources
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt validation letter was sent to Collectables Management Resources on XX/XX/XXXX. 
Collection Agency failed to validate debt. Called Agency on XX/XX/XXXX. Agency failed to validate debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
During the mortgage application process, XXXX XXXX with US Bank shared my husband and my credit scores as well as debt-to-income ratios with the seller as well as the sellers realtor. I was never provided with the appraisal documents for the house we are in the process of purchasing. Due to having an FHA Loan ( case number ), the process has been halted and XXXX refused to give the new lending company the case number or the appraisal. 
My husband and I have also been denied access to our application process account on their website : https : //mortgageapply.usbank.com/.

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 2018-07-08
Company: Diversified Consultants, Inc.
State: CA
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:
Hi name is XXXX XXXX and I have been disputing with all three credit bureaus in regards to a Mark that is on my credit report that I find unfair reason being because I was not able to qualify for the company and the first place and I have a paper that says I was not able to even be approved for credit with the company and I have tried talking to the company as well as the associated company that's had sold me the device for the account that I'm speaking of and they are no longer even business the store had closed so I can not get a copy of the receipt I have a current copy from before but the ink has faded I don't know if there's any way to recover the ink from the receipt but I do have it and I do have the paper that states I do not qualify for credit with that company and I have show them to all of the credit bureaus and that account is still on my credit report and I don't understand why it's still on there when I didn't qualify in the first place as I said so I came to you too seek further help in regards to removing this from my credit report the company is called Diversified Consultants they are a collection agency and which XXXX has since my account that I had told you all that I don't qualify for to them but if you have any questions you can call me at XXXX XXXX thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On my credit report there is two accounts that were opened fraudulently I have been trying to dispute them but every time I do they tell me the information is accurate and they won't remove it from my credit reports with XXXX  XXXX and XXXX  the accounts are XXXX XXXXXXXX XXXX by XXXX XXXX  bank and simply be by XXXX XXXX  bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX XXXX has filed an eviction reason because I called code enforcement they came out hit the company with almost 9000 in fines so for them not to pay it they had my family and I kicked out sold it to their friends cheaper once the title was in their friends name it was no longer their response ability they refused my money so I didnt know to do never been in that kind of situation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Account # XXXX Ally Bank XXXX XXXX XXXX was turned in early on XXXX/XXXX/XXXX with a full maturity date of XX/XX/XXXX1. ) dropped off and filled out lease retun with XXXX XXXX in XXXX, MA. Dealer never returned paperwork to Ally. I provided copies to Ally 3 weeks later after calling 2. ) I  received a final bill for wear/tear inspection on XX/XX/XXXX for {$310.00}. I paid on XX/XX/XXXX and was cashed on XX/XX/XXXX. Check # XXXX 3. ) I purchased a new lease and the dealer ( XXXX XXXX XXXX, Associate name XXXX ) and the return debt for the XXXX lease was {$2000.00}. This was confirmed with both myself and new sales man. 
4. ) I have reached out to Ally on three occasions asking to settle and finalize the {$2000.00}. XXXX. They all state account is closed nothing owed. 
5. ) On XX/XX/XXXX I received a credit alert impacting my credit from Ally Bank for a debt of {$3000.00}. 
6. ) the amount is incorrect on all accords and the company states I owe XXXX. Nobody can resolve and my excellent credit has now been tarnished

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 2019-02-15
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The company is asking for additional documentation from the City of XXXX XXXX ( which I have now provided ) and continues not honoring a year of public service - 6 months of which were under the Loan Forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is reporting a debt for {$1100.00} dated XX/XX/2012. This account was sold to XXXX XXXX, XXXX without my knowledge. I never received written notification of this debt being reported to the Credit Bureaus, therefore I had no opportunity to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: EQUIFAX, INC.
State: GA
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 XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 All inquiries, I never gave permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Riverwalk Financial Corporation
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The dealer who handled my documents did not properly transfer the title, leading the vehicle to get repossessed. He misused my Identity ( ID fraud ) In the interim, he prolonged the time in correcting his mistake, resulting in the car to be sold. I then contacted the initial financing company ( XXXX  ) explained the situation and provided them with documentation. Because I was left without a vehicle after financing it, I went to the Dept of Motor vehicle and put in a complaint. Upon the DMV 's instigation, the dealer was fined for faulty practices. I have contacted the collection company in regards to this matter as well as XXXX XXXX   to properly report on my credit report. I gave XXXX the police report, showing the vehicle was repossessed due to the title not matching the plates and then sold and I had no longer possess the vehicle. XXXX stated they will not collect the balance on this account because I provided proof of the fraud that was committed. However, they continued to report this fraudulent debt on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Federal Adjustment Bureau, 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:
THIS IS A ONGOING SITUATION I HAVE FILED EVERYTHING WITH THE PROPER AUTHORITIES FTC, XXXX POLICE, CFPB, AND XXXX. MY PERSONAL INFORMATION WAS COMPRISED AND SOMEONE WAS USING MY ID AND SS TO OPEN ACCOUNT AND UTILITIES IN MY NAME. I HAVE NOT LIVED IN XXXX OHIO IN OVER 10-11 YEARS. XXXX AND XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ive been a member of Navy Federal Credit Union for many years. I was denied access to my accounts starting in XXXX when I was behind on payments for my credit cards and or checking line of credit. I was not able to get any account information when logging in online. Currently, when any money is deposited or transferred from another member, Navy Federal takes funds for payments with being 6 days delinquent. They will take the entire amount of money available to make the payment and leave nothing available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my social security.

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 2019-02-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2016 I got approved for a sporting goods store 's credit card under the Bureau name : SYNCB/XXXX XXXX XXXX. They have put my credit for collection of {$710.00} of which their representative once called and made me pay almost half of that amount to settle the entire account. I specifically asked them if my account will be completely settled after that and they said yes it will be taken off your credit report. I paid them the amount and the collection charge off was never taken off my credit report and is hurting my credit score to this day. I am a student and I am really trying to build my credit back up. If this debt gets resolved I can move on and work on building my credit.

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: CCS Financial Services, 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: Investigation took more than 30 days

Complaint:
I have disputed the reporting from XXXX XXXX XXXX. They have posted the same debt 2 ( {$190.00} and {$210.00} ) times on each of the 3 credit agencies, and yet it appears to be for the same account. I placed a dispute on XX/XX/XXXX. I have yet to receive a response to their investigation. According to the FDCPA rules, they should removed all items I have disputed with XXXX XXXX XXXX.when the investigation takes longer than 30 days!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CL Holdings LLC
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: Card was charged for something you did not purchase with the card

Complaint:
i received a letter in the mail from Jefferson Capital Systems LLC, about a charge on a XXXX account for {$660.00}. When the man ask me to verifiy the last for of my SS # he said that is not what is on file, they have the last for of a SS # of # XXXX that is not mine and this bill and account is not mine account # XXXX JCS Reference # XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Douglas, Chancellor, Meyers and Associates, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company never tried to contact me in regards to this debt, Placed on my credit report without giving notice. Debt is more than 7 years old please remove now. Going against. 

Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act This account was opened in XXXX and the last payment was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For the past 10 years or so, Select Portfolio Servicing, the seevicer on my loan has repeatedly lost payments, added additional fees, and has tried to foreclose on my home. When I have requested information of who my note holder or investor is, they tell me it is XXXX XXXX XXXX XXXX. However, when I call XXXX XXXX, they have no record of me or my loan. They have tried using my SSN, Name, and Address. And still nothing. In XX/XX/XXXX, SPS tried to foreclose, but did not have the loan transfer documentation attached. So, in XX/XX/XXXX the forged that document saying it was sold in XX/XX/XXXX to XXXX XXXX XXXX XXXX. The document was not filed in the court clerks office until XX/XX/XXXX, when they tried to foreclose the first time! They make threatening and harassing phone calls. Do not report payments. And give out false and misleading information. My attorney has contacted them several times as have I requesting the documentation which is not accurate. I have even called XXXX XXXX XXXX XXXX on a conference call with SPS to prove that they do not have my loan. So who has my note?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Experian Information Solutions Inc.
State: MO
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 have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 explanation
Consumer complaint received 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 explanation
Consumer complaint received 2021-05-22
Company: EQUIFAX, 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:
This is a horrible comoant with their free membershio my Equifax when I login the credit score wont update when its supposed to every 30 days the last score update was XXXX!!! And it wont download my file or let me submit disputes it gives me error message this has to be fixed its been like this long time and they have done nothing about it to fix their system to upload my file and score recently this system is crazy when I call they wont help its important for me to be able to see whats reporting and submit disputes since Im a victim of identity theft but their system wont let me or see anything horrible company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX ( XXXX ) - I paid off the attached debt to the creditor. Once my check cleared I contacted the account to verify if my account was updated and information forwarded to the credit bureaus. I was informed XXXX  does not update the credit files with partial payments. I advised the account I was only aware of the balance of {$750.00} and inquired of the difference. The XXXX  collector advise she wasn't sure of the difference therefore I disputed the balance of {$130.00} with the account. To date I have to received an explanation of the remaining balance. 

Once XXXX advised they did not update partial payments to the credit bureaus I forwarded the information to the credit reporting agencies directly XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. All three had updated my file to reflect the correct balance however when I checked my report with Equifax today I've noticed the full amount of the account was re-established on my credit report ; which is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Experian Information Solutions Inc.
State: HI
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:
i am going for the mortage process, and i requested the credit report, once i receieved it, it doesnt show my credit score and i also see my brother name, social security number and address shown it on my credit report. also some addition address shown in my credit report as well.

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 2020-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was a withdrawal of XXXX XXXX that I did not approve. I called and reported fraud, they asked me questions, I have reported it, and the pin number was on the card. My claim has been denied twice because they claimed they couldn't find out how the pin number was compromised. I already told the associate how it was comprised. The associate forgot to put that in the notes. The claim was made on XX/XX/XXXX, denied twice, based on a mistake of the bank 's associate. I called after to check it with the bank, an associate have informed me of a hardship program and my credit will appear in two to three business days, I did not recieve them. I called later and another associate claimed that he couldn't credit my account. It is taking too long and I haven't recieved any credit and it was the bank 's associate 's mistake. I didn't even get a temporary credit when I first reported the fraud, which I was supposed to. I need this claim resolved since it has been almost two months.

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