BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: STERLING JEWELERS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card 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:
Hi! So I recently got scammed by a what I feel is a fake collection agency trying to get money on an old debt ( Kay Jewelers ) ( 5 years ago ) that shows on my credit report as charged off bad debt The company that contacted me is XXXX XXXX XXXX. There is no website for them. The address on their letterhead which only came by email comes up as a XXXX XXXX - # # # so Im guessing a PO Box and their phone voicemail is hi please leave a message after the tone with your reference # nothing mentioning their name or anything. I had a really bad feeling so i cancelled my card and filed a possible fraud report. After they already took {$300.00} from me. They threatened me on the initial call that I had 24 hours to set up automatic payments or they were going to serve me papers at my home or place of employment and that I had to promise to have the money in there because if not it would make him look bad. They have been calling me daily since the missed payment this past Friday. A friend of mine who works in collections for a different department said it comes up as a fake company and on my bank account shows XXXX   which also comes up as false. No finding them online either.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Account status incorrect

Complaint:
Credit Dispute was filed with Equifax Credit Reporting Systems and Experian about erroneous / incorrect credit reporting from XXXX XXXX XXXX XXXX to the aforestated credit reporting agencies. On or about XXXX XX/XX/XXXX I totaled out my automobile that was financed through XXXX XXXX XXXX Account Number XXXX. ( Title and Lien Holder ) Motor vehicle was deemed totaled by XXXX Insurance Company whom I was insured with. Vehicle was paid off in full by XXXX Insurance Company. Check was issued on XXXX XX/XX/XXXX to XXXX XXXX XXXX in the amount of {$5200.00} which was the agreed amount to completely pay off the motor vehicle. After accepting the check, from XXXX, XXXX XXXX XXXX continued to report in error this account for several months. XXXX XXXX XXXX at first closed the account on my credit file with Equifax, and XXXX and erroneously reported that I owed them {$710.00}. On XXXX XX/XX/XXXX I received a copy of my XXXX and XXXX, and Equifax Credit Report which revealed that XXXX XXXX XXXX re-opened the credit account to display the account was opened and a now a new balance of more than {$1000.00} was owed to them. On XXXX XX/XX/XXXX Dispute letters was sent out to both credit reporting agencies, and to XXXX XXXX XXXX disputing the account as being reported in error, and requested that the original contract be verified to include my signature that I agreed to the amount being stated that I owed after check was sent as the agreed payoff amount. Approximately 45 days later, Credit reports from both XXXX  and Equifax is still reporting the same erroneous account on m credit files. Both Credit Agencies, and XXXX XXXX XXXX refuse to delete the account from my credit files or correct the account as being paid in Full and account closed. I'm you to intervene on my behalf to correct this erroneous reporting, and bring positive resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Had my credit line frozen by the bank due to an error on their part ( see complaint XXXX ). 

On XX/XX/XXXX I received a letter informing me that the bank was closing the account due to the transfer of the title into a Land Trust that I created for estate planning, in direct violation of 12 U.S. Code 1701j3 ( Garn St Germain Act of 1982 ) that specifically authorizes " a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property '' ; The land trust the property is titled to is an inter vivos trust, I am still and remain the ultimate beneficiary and there is no transfer of rights of occupancy.

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 2018-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Acct Number ending XXXX Amount owed {$680.00} Bank America has been continuing to report to all the major credit bureaus that a fraudulent credit card that was opened under my social security is mine ( XXXX ), although they are fully aware that I am a victim of identity thief. 
Bank of America has continually used abusive, unprofessional and XXXX style tactics in their behavior with addressing this matter. In one of their only recent correspondence via a call with me they stated that a checking account from XXXX XXXX was used allegedly by myself to make payments as well set up this secured account They also stated if XXXX states that this checking account was a fraudulent account they would remove this from my credit bureaus. However, in their written correspondence they are now stating they would reexamine the matter. 
I have been in contact with XXXX and they have stated that I am not indebted to them from any accounts, therefore they will not provide any documentation for Bank of America. Also, that it is questionable, troubling and ridiculous that Bank of America would require another banking institution to provide such a letter to assist a consumer dealing with identity thief. 
Also, very important to note ; that Bank of Americas follow up statement to my original CFPB complaint, stated that XXXX confirmed that this above-mentioned checking account had my matching Social Security number. XXXX XXXX and Customer Advocate team stated and confirmed to me directly, per the companys policies and procedures they would never disclose sensitive private information about any consumer without a court order, to any third parties for liability reasons. Which means B of A completely and utterly fabricated lied about that entire encounter. ; troubling and disturbing. 
And most important, they B of A have stated ; they would be happy to remove the account if I pay them the monies owed ; regardless to fact, I have repeatedly stated Im an identity thief victim, which is blatant extortion ; again, extremely troubling and disturbing. 
Finally, Bank of America has continued to move the goal post, for me to effectively receive any kind of favorable outcome, also there are countless similar cases and situations ( hundreds of articles throughout XXXX, of questionable abusive tactics and practices involving getting monies from consumers ), where B of A has behaved in this manner.

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 2018-04-19
Company: Experian Information Solutions Inc.
State: CT
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:
DATE : XX/XX/XXXX RE : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 

RE : XXXX account # XXXX Dear CFPB : I spoke with XXXX XXXX from XXXX XXXX XXXX regarding my paid off old auto loan that is now disputed with Experian. I sent XXXX and Experian two disputes on XX/XX/XXXX regarding five late payments, they where never late XXXX did not credit the payments on time. They simply said they were accurate and I needed to provide then " additional supporting information ''. 

I had spoken with XXXX XXXX from Experian today XX/XX/XXXX and found the XXXX account not reporting the entire payment history beginning XXXX. There is four years of payment data history missing and I asked XXXX and Experian ( XXXX XXXX ) to include that payment history because it is not showing on my account. 

As per the Fair Credit Reporting Act information must be one hundred percent accurate and verifiable. Simply reporting the late payments and excluding the positive payment history is misleading and I am asking Experian to include all the payment history in the record.

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 2019-08-27
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: Information is missing that should be on the report

Complaint:
My XXXX XXXX was current before I was in XXXX. However, when I was in XXXX my XXXX XXXX case was closed. I was not receiving income. How I am ordered to pay XXXX XXXX why I am in XXXX? Missouri XXXX XXXX XXXX was fully aware of this. I was not responsible for paying XXXX XXXX why I was in 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 2021-07-01
Company: EQUIFAX, 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:
This problem is with XXXX and Equifax. My information appears to have been mixed with someone whose SSN is one different from mine. I can not speak with a representative to get more information because while my information is listed on the report as the " previous name, '' my correct name is not the primary on the report. My score dropped by more than XXXX points because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: SC
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 received an email from experian on XX/XX/XXXX at XXXX XXXX indicating that Experian has opened my dispute. Within 30 minutes, I received an email indicating that the dispute has been completed. However, there has not been a dispute filed. I never opened a dispute with experian. When I checked my credit report, a new negative account had been placed on my experian report. It is a XXXX account XXXX This account is a direct result of this dispute that I never opened. 

Experian states that the account has been opened since XX/XX/XXXX. However, there are on 3 months of reporting activity. 

As a matter of fact, as I am typing this, at XXXX, I received another email from experian indicating that they are " almost done '' with another dispute that has been opened. 
This is not the first time that this has happend. They have also opened a dispute for a XXXX account that was not on my credit report but now is. When you dispute an account with experian, you are no longer allowed to have it reinvestigated. They don't allow it. Experian is adding these accounts onto my credit report and ensuring that I can never have them reinvestigated and removed. The disputes are fraudulent activity by experian. I will guarantee you that more disptes will be opened and each one will come back with a result of verified for the sole purpose of preventing the accounts from being reinvestigated. 

I filed a dispute with experian well over 6 months ago, and the negative results were removed from my credit. These were either the result of identity theft, or mistaken identity. I have almost the same social security number as a man by the name of XXXX XXXX. Our socials are exactly the same except got the middle digits. Mine are : XXXX and his are : XXXX. His accounts end up on my credit report all of the time.

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 2019-04-08
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:
I recently had my credit report pulled and noticed that XXXX, has made an incorrect report on my credit, which has made a significant decrease in my credit score. In XXXX of 2018, there shows a late or missed payment. I have never made a late payment with this account, I was set up on autopay and know that at one point, I did change autopay cards, in which case, I am assuming that this is when the change happened, but nonetheless the payment still should have been removed from my account, thus not making it appear as if I was late. I believe this was reported in error and due to the circumstances stated above ; in my opinion, this should not be on my credit report, which is extremely damaging for a {$24.00} payment. Since opening this account, I have had a great relationship with XXXX and would like to continue my relationship, should this be corrected. Please take my issue into deep consideration, please and thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently had my credit report pulled and noticed that XXXX, has made an incorrect report on my credit, which has made a significant decrease in my credit score. In XXXX of 2018, there shows a late or missed payment. I have never made a late payment with this account, I was set up on autopay and know that at one point, I did change autopay cards, in which case, I am assuming that this is when the change happened, but nonetheless the payment still should have been removed from my account, thus not making it appear as if I was late. I believe this was reported in error and due to the circumstances stated above ; in my opinion, this should not be on my credit report, which is extremely damaging for a {$24.00} payment. Since opening this account, I have had a great relationship with XXXX and would like to continue my relationship, should this be corrected. Please take my issue into deep consideration, please and thank you. 

Sincerely, 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 2017-12-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday XXXX I processed a deposit into a Navy Federal ATM. The deposit included one item which was a Cashier 's Check for {$14000.00}. The deposit was made after the cut off time for the XXXX, so I did not expect funds to be available until XXXX. I called the credit union to confirm the date that the funds would be available and was told that they would not be made available until Wednesday, XXXX, as there would be a two business day hold placed on the item. 

The item was an Official Check which is a next day availability item according to Reg CC. The item was made payable to myself, endorsed by myself and was deposited into an account in my name. I inquired if I could come pick up the check and cancel the deposit to cash the item at the institution it was drawn on, and was told no, because the check was imaged by their ATM. 

I was also told that if I went into a branch to make a deposit, the funds would have been available sooner ( even though the transaction date would be the same ). This is a violation of Reg CC. Placing a hold because I made the deposit at the ATM instead of at the branch is senseless. Also the item is a next day availability item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/XXXX - Was required to use the service as part of a hard inquiry for a car loan. I agreed to pay the {$1.00} fee. I then went to their site, created an account, and requested the subscription be cancelled. No response. 

XXXX - My card was charged {$24.00} despite my cancellation request. I then went into the account, deleted my payment method, and unenrolled from the service. It said that it went through. 

XX/XX/XXXX - My card was charged {$24.00} for a second month, despite my prior attempts to cancel the subscription and delete the payment method. I then tried to access my account, and it first said I needed a security code. It did not come for half an hour. In the mean time, I tried accessing my account again through " forget my password, '' it asked a security question. I gave the answer I used when I set up the account, and it said that it was incorrect. I then put it in again, and it failed. Thus, my account was locked/disabled. I then got the security code, and it further disabled my account. I then went and called customer service, and was on hold for an hour. Then it disconnected. There is no way to access my account in order to cancel the subscription and my account. They charged me twice for a service I cancelled.

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 2021-07-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I was behind on two payments but even though I was behind, they were still deducting a payment from my checking account each month. I called the company to pay the {$250.00} I was told I was behind on and which is also on my credit report and the representative told me that I owed them over {$1000.00}. After several minutes of trying to get her to explain to me why I had to pay over {$1000.00}, the rep told me to hold on while she updated my account, hung up on me and never called back. My monthly payment for this loan was {$110.00} every two weeks and payments were taken out of my checking account up until the month of XXXX which you see they started reporting it as late for three months, XXXX, XXXX and XXXX. I am able to provide you with my bank statement showing these payments were deducted from my checking account up until XXXX of this 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 2021-07-01
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company apparently bought this account from another agency that tried to sue me on account that was paid off. The other company that had the account brought the case to the local court where I lived and the case was dismissed by the local court by pursuant L.C Rule 12.02 Dismissed without prejudice at their cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: SC
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/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track. I don't want my kids to keep helping me they have a family to support as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received 2 letters from Resurgent Capital Services claiming that they were trying to collect on a debt that I owed. The original creditor was XXXX XXXX XXXX, whom I do not recall having an account with, but the current owner of the debt is listed as LVNV funding LLC, which I have never received a document from trying to collect on the account. I sent Resurgent Capital Services a letter asking for validation of this debt and received a letter back from them dated XX/XX/XXXX stating they initiated a review, see attached documents. I also received an additional letter dated XX/XX/XXXX which stated they had enclosed an account summary which provides verification of the debt, see attached. This " account summary report '', which is also attached, doesn't provide any type of proof that I owe this debt, whatsoever. Also on the documents they have sent me it states that " The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency ''. I have attached the verification letter that I sent to Resurgent Capital Services and what I was asking for. This company is trying to collect on a debt that for one I don't have knowledge that I owe them, and the debt was charged off XX/XX/XXXX.

Company response to consumer: Closed with explanation