BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-08
Company: Experian Information Solutions Inc.
State: DE
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 disputed an error on my Experian credit report on XX/XX/XXXX. They have a negative account from XXXX XXXX company listed on my report that has been paid in full since XX/XX/XXXX. I know for a fact the account is paid off and closed because the loan was for a car and XXXX XXXX sent me the title to the car last year in XXXX XXXX which has been sold in XX/XX/XXXX. 

The response to my dispute is that it would remain as negative information on there because the information was verified as accurate. That is incorrect information and it needs to be removed. Also, they have been reporting account information after XX/XX/XXXX that says the account is OK or has been paid monthly when there is nothing to pay on the account for over an entire year.

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 2020-12-18
Company: EQUIFAX, INC.
State: IL
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 have repeatedly for years now called, mailed, and electronically sent the Information required to remove these fraudulent items from my Credit report. Ive sent police reports, FTC.gov reports, etc. My calls have been sent overseas, and hung up on repeatedly. This must stop. The should be held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I payed 2 credit card bills using bill pay with the key bank company and both of them were suppose to be there in 2 business days, however they were not received by my credit card company. These bills were for my credit card bill and because these payments did not go through as promised, the payment will be late and has already Impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2014. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2019-05-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a loan modification package to Ocwen and I received confirmation from Ocwen of receipt thereof ( see attached letter ). My previously scheduled trustee sale date was postponed pending loan modification review while simultaneously having a currently scheduled for a trustee sale date of XX/XX/2019 - Ocwen is dual tracking ; under the California Homeowner Bill of Rights, a lender or servicer can not record a notice of default or notice of sale or conduct a trustee 's sale, while the loan modification application is pending - Ocwen is dual tracking my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS COMPANY HAS REPORTED ME TO THE CREDIT BUREAU WITHOUT 1- I HAVE NO KNOWLEDGE OF THIS DEBT THEY DID NOT SEND ME A WRITTEN NOTICE OF THE ALLEGED DEBT SO I CAN DETERMINE WHETHER OR NOT IT IS VALID. 
2- I DON'T KNOW WHY IT WAS REPORTED TO THE CREDIT BUREAU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any outside sources. Please make sure you open my attached documents as it contains my request and all proper identification.

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 2020-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I have a credit card from CAPITAL ONE BANK USA N, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA N and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

2. Identity Theft BK OF AMER Account Number : XXXX  This is not mine.

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 2019-02-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Received an alert today XX/XX/XXXX XXXX increase on car loan. Spoke to rep she said I have a daily rate that has to be paid. I said my payment t is not due till the XX/XX/XXXX and I was granted the approval from XX/XX/XXXX to XX/XX/XXXX. She said I dont have a 10 day late fee policy I have a daily late fee and I signed for it. I told her I never signed anything stating I would pay a daily late fee for nothing. I purchased my car XXXX XXXX XXXX XX/XX/XXXX and have ever been late. This is Usuary!!!!!! 
Not only did they grant me a extension to make my car payment a certain date now the have added a loan increase of XXXX just reported to credit bureaus. I want this loan released from them or refinance the right way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter about a debt that isn't mine from a company named Convergent. 

Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, WA XXXX XXXX The letter stated I owe Convergent {$870.00}. This is not my name. The letter had my address but not my correct name. 

The date of the letter : XX/XX/202 Creditor : XXXX XXXX Original Account : # XXXX Convergent Account : # XXXX Original Creditor : XXXX ( South Dakota ), XXXX. 
Reduced Balance Amount : {$300.00} I do not have any outstanding unpaid debt with this company.

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 2018-12-20
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent all three credit bureaus a certified letter requesting that this closed account from XXXX XX/XX/14 be deleted from my credit reports. It's been over 90 days and they have yet to respond or delete this request. This violates the FCRA law that States that the bureaus must respond to consumer disputes in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I applied for a car loan when my credit score was excellent. They had a 0 % offer advertised. I was not offered this loan but a higher amount. 

Why did I not get the special offer?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: MIDFIRST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened the account and funded with {$2000.00} to receive a account bonus of {$250.00} and never received it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on MIDLAND CREDIT MANAGEM. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Asses this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Enhanced Recovery was collecting for a cell phone bill, I called Enhanced Recovery to pay it, and their collection agent promised me that if I paid them, they would delete it from my credit report at all credit bureaus. 
Their collection agent stated that all I had to do was dispute it through the credit bureaus after I paid them. 
So I paid them, and I have disputed this account multiple times through all 3 credit bureaus but Enhanced Recovery refuses to delete it as their collection agent promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, RECEIVABLES PERFORMANC, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had dispute over an amount on a purchase I made online using PayPal Credit, which is different from Regular PayPal. The correct amount was credited back to my running balance. However for some reason which no person has answered yet my transaction was with PayPal Credit ( handled by the Synchrony Bank ) however Regular PayPal became involved for some reason unknown to me. They sent me a notice that since I had contacted the financial institution for PayPal Credit that they ( Reg. PayPal ) could not resolve the issue, that I should contact XXXX XXXX ( PayPal Credit ) to handle the matter I do not, have not, nor will I purchase using Regular PayPal because you have to put up a cash amount to spend with. I have had PayPal Credit from the start. So I can not understand how Regular PayPal took it upon themselves to resolve a matter that the XXXX XXXX  financed for me in XXXX of 2020. 
However I recently was notified by Regular PayPal that they had credited my account twice so now I was informed they were collecting, the undocumented error that their book keeping had made, from my money sent to me to pay a phone bill. Theres no body available to talk to that will tell me the transaction data for each credit they gave me because I dont purchase through them. 
They have not given me any money and the XXXX XXXX  said ONLY ONE CREDIT for that transaction shows. I have no other account for them to credit, but they have taken my bill money unfairly. Over a week ago when I realized that there was a problem I made numerous calls and requested copies of all my statements since the original purchase date so I could see what day they credited my account that I dont have. I have made in excess of 10 - 15 calls and spent at least 8 solid hours with PayPal and PayPal Credit an and XXXX XXXX  trying to find out where the credit went, if they actually credited something after telling me they could not investigate the matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from The Collection Firm of Franklin Collection Services INC. The letter is an attempt to collect a debt from a creditor called XXXX XXXX XXXX XXXX. I have no idea of this {$880.00}, in debt that this company is trying to collect. I havent go into an emergency hospital since I was back in XXXX XXXX. I surely know that this debt is not mine or theyre trying to maliciously make money in a situation like the one were facing right now, COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: CBC Companies, Inc.
State: CA
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:
On XX/XX/2022 XXXX USA company used my social without my authorization. FACTUAL DATA Is another company and XXXX. Also XXXX  XXXX XXXX. 
Please remove all the credit inquiries I did not made starting the month of XXXX, so my 3 credit bureaus are not hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 2018-01-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my checking accout with a promotion coupon ( To summary : can get {$350.00} if {$10000.00} deposit and maintain 90days ) on XX/XX/2017 but havent received the bonus after timeline passed. I contacted HSBC and they said I have to contact the branch where I opened at. 
I contacted the branch. They said I have a history of opening/closing a checking account before so I am not eligible to get the bonus. 

However, the banker checked the history and proceeded when I opened my account. The banker ( I can give the banker information if you need it. I didnt enclose due to personal information ) confirmed that HSBC has no record of my previous checking account history in their system after researching it. 

If the banker would informed that I was not eligible for the bonus when I tried to open a checking account, I wouldnt open and wouldnt maintain my money there over 6 months so far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: The Bureaus, Inc.
State: FL
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. In spite of the numerous previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the account that needs to remove : THE BUREAUS INC - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PLAZA HOME MORTGAGE, INC Property Value {$370000.00} ( Condo ) RE : Request for review of Escrow Analysis. 

Exhibit 1 ( attached ) - Erroneous Escrow Analysis In this analysis, they are charging us with {$14000.00} as the county tax considering that XXXX XXXX is sending us copies of our annual property tax bill of {$3300.00}. Upon checking on our escrow account, we found out that they are also charging us for XXXX XXXX XXXX ( Exhibit 2 ) with different owner. Our property is in XXXX XXXX XXXX. 

Upon the receipt of the said escrow analysis, we immediately contacted them ( XXXX XXXX ) for a review of the analysis via emails and letters. 

We received an email from them telling us the process will take 10-15 days. 

It's been going on already for more than one month already not mentioning the calls to their customer service every week asking for update but sad to say as of this date there is still no update. 

Because of this, originally we are paying monthly mortgage amount of {$2000.00} and now they are charging us {$3500.00} monthly mortgage starting XX/XX/XXXX because of this erroneous XXXX tax. 

Since we dispute their tax calculation we paid only the usual monthly mortgage amount of {$2000.00} while waiting for their review. 

Not only that, they send us XXXX mortgage statement amounting to {$7100.00} and stating that we are already delinquent. 

This did not happen if only they acted upon this matter immediately. 

This bothers us emotionally and psychologically thinking that this will ruin also our credit score and we are not prepared financially. 

Hope with your help we will get a response to our request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-20
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed this fraudulent debt with Midstate Collection Solutions Inc. numerous times.

Please note that I have downloaded a couple of the Dispute Letters as well as the latest response from Midstate Collection Solutions Inc . I simply ask that they verify and validate the debt by providing me a copy of a contract that has my signature as require by law, however they refuse to do so and only sent a billing statement of which I also downloaded. The billing statement was sent from their Attorney.

I disputed this fraudulent debt with XXXX and they informed me that Midstate Collection Solutions Inc. refused to delete it. I have also included a Fair Debt Collection Practices Act Fine Schedule which clearly states the violations of which Midstate Collection Solutions is liable. I also have researched their Company and have found that there are many complaints about their NEGATIVE PRACTICES. I will mail a INTENT TO SUE LETTER once I complete this complaint. Surely Midstate Collection Solutions believe they are above the law. I also investigated a found that this fraudulent debt was created at XXXX  XXXX XXXX  XXXX XXXX with XXXX XXXX the date of XX/XX/XXXX. This is XX/XX/XXXX. Surely this Debt has been RE-AGED!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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