BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-22
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was alerted to a collection on my credit report that states it is from an unpaid medical bill for {$60.00} that SCA Collections is trying to recover. I contacted SCA Collections this morning, they told me that they have sent a letter and tried to call but I did not receive anything. They told me the debt was originally from XXXX XXXX XXXX in XX/XX/2018 and I never received any services from them. This is a falsely reported debt and I need it removed from my report. I told them this information and they told me there was nothing they could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX/XXXX  2 late payments XXXX Closed 4 late payments XXXX XXXX XXXX XXXX Closed 38 potentially negative months XXXX XXXX XXXX XXXX Closed 36 potentially negative months XXXX  XXXX XXXX Closed 1 late payment XXXX XXXXXXXX XXXX Closed 21 potentially negative months XXXX XXXX  XXXX Closed 39 potentially negative months XXXX XXXX XXXX XXXX Closed 38 potentially negative months XXXX XXXX XXXX  XXXX  Balance updated XX/XX/2021 2 late payments XXXX XXXX XXXX XXXX Closed 3 late payments XXXX XXXX XXXX XXXX Closed 38 potentially negative months XXXX  Closed 40 potentially negative 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 explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: AR
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 my dispute letters several times to the credit bureaus but until today I still have not received any results. Here are the accounts : XXXX/XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX & XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
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/2021 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 im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
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:
I was a victim of ID Theft in last 2017. I contacted all the credit bureau 's and Equifax is the only bureau refusing to comply with Federal laws, after I sent them a copy of ; 1. Fraudulent Student Loans Accounts Reporting on Credit 2. Copy of police report 3. FTC Identity Theft Victim 's Complaint and Affidavit 4. Letter stating the accounts are fraudulent Equifax, did not verified the accounts within the allow time ( 30 days ). They sent me a letter dated 45 days after my request for them to block all fraudulent accounts. Equifax refused to accept my documents and refused to provide me any proof of the accounts. 

I am a victim and they are trying to treat me like the criminal and I am unable to move on with my life because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Trident Asset Management, L.L.C.
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My wife is currently unable to work full-time due to our children being in hybrid schooling because of the covid pandemic. I reached out to Comenity bank because we are struggling as she used her unemployment due to a previous lay off due to covid she has very little income. They are refusing to help us at all with our payments, I have 3 credit cards through them, XXXX XXXX XXXX, XXXX and XXXXXXXX XXXX XXXX. They will not give any help. There is no way feasible at this time that I am able to pay these credit card payments at this time. I only asked for the one month we missed last month on both and the one we can not make this month, they will not help. This is unacceptable in times like this that they are so uncaring and heartless toward their customer 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: JPMORGAN CHASE & CO.
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I was charged XXXX on my Chase credit card. When this payment showed up on my statement I immediately reach out to chase because the charge should have been XXXX dollars. 

On XX/XX/XXXX chase called back to let me know the vendor charged XXXX. I explained that I never authorize this charge, signed, or made any purchases that equal that amount. I also asked if they could mail the receipts including my signatures. 

They told me that they see the charges but no singnatures were found. 

This is very wrong. I never made those charges. In never signed anything or approved those. 

As a chase private client and someone who makes 1000s of transactions on a monthly basis I feel violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Aargon Agency, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me. I do not have a signed contract 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 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 had an account placed for collections with a company called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) earlier this year. I contacted them directly to resolve/pay the account and they informed me the account had been sold to a company called XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ) and thati must take it up with and pay through them. I contacted XXXX and we agreed to settle the account for {$680.00} ( original amount was {$900.00} ) and it would be reflected as settled or paid in full on my credit reports. We set up a payment arrangements which i ended up taking care of well before they were actually due. The payment i made ( see attached payment history and settlement letter from XXXX ) are as follows : {$100.00} XX/XX/XXXX, {$100.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX and {$180.00} on XX/XX/XXXX ( totaling the agreed upon amount of {$680.00} ). As of today, XX/XX/XXXX XXXX is reporting me as still owing an outstanding derogatory amount of {$220.00} and and an open collection account remains on my credit reports. This is a willful and negligent violation of the agreed upon contract i made and fulfilled with XXXX XXXX XXXX and this account needs to be either updated to reflect settled/paid in ful land a balance of {$0.00} or removed from my credit reports immediately.

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 2021-07-02
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: Information belongs to someone else

Complaint:
I was denied for a loan with my bank that I have been with since I was XXXX. The Manager at the Bank went over my credit with me and there are so accounts on there that are not mine and they are XXXX, XXXX XXXX and there is one account that don! have a name but It did have somewhat of an account number XXXX. There are also 4 XXXX student loans on there but there weird thing is that its only on XXXX. I dont even know how that Is possible being that I never graudated from high school. I have filed a complaint with the FTC and reached out to my local police. Can someone help im doing this on my own and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: U.S. BANCORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I made payment to US Bank to satisfy my vehicle loan and resulted in a XXXX  balance. I have been trying for a week to get the Lien released so I can sell the vehicle. All payments have cleared the bank and they committed to me to have the lien released electronically within 24-48 hrs when I called on Wednesday the XXXX  of XXXX for an update. My state DMV uses an electronic title process and as soon as the bank clears it I can have it. I have received poor customer service and many of the staff I have talked to at the bank have given immaculate and misleading info. With my mom satisfied I feel like my personal property is being held hostage. They not only have my money from satisfying the loan but they have a lien so I cant do anything. Please help me resolve.

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 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Accounts on my 3 credit reports are reported as charged off when actually all of the accounts were discharged in Chapter XXXX Bankruptcy on XX/XX/2018 Case Number XXXX. In my previous dispute I submitted Bankruptcy Declaration and Discharge to prove my claim. I'm attaching more supporting documents with this new  claim

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 2020-06-30
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PNC Bank is not cooperating to make the availability to link their online users account with others therefore we can not use our own money. I am an established XXXX XXXX attempting to get funding from the government and without the link I can not receive the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion File # XXXX Date XX/XX/XXXX Transunion has on my credit report ( XXXX ) unknown XXXX XXXX XXXX Transunion has on my credit ( XXXX ) unknown as Transunion has on my credit some months a ( XXXX ) for months and then Transunion has XXXX. The reporting is not correct as Transunion has XXXX XXXX XXXX. Transunion. On all ( 3 ) XXXX XXXX XXXX loans are not correct it goes as long as a year ( XXXX ) showing and as Transunion effects my credit due to there not reporting right or updating as XXXX XXXX XXXX sent back to me from XXXX as of XX/XX/XXXX that all correct information was sent out to all 3 credit bureaus. Transunion need not report or go months with an ( XXXX  ) as unknown and not update correct on my credit file. It makes no sense or poor reporting practices and information by Transunion not correct.

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 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 always pay my bill online with auto payment. Some how chase is showing 30days late as I paid off my HELOC.

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 2019-01-15
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: Investigation took more than 30 days

Complaint:
On XX/XX/2018 .... I mailed identical hand-written disputes to be filed and addressed within the 30-day allotted time frame with all 3 credit bureaus and have yet to receive any update, nor any revised report reflecting the changes.

Consumer Rights according to the FCRA allow a 30 day review and if not timely responded, then the derogatory item disputed is removed from the consumer report.

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 2021-07-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Services is my current mortgage servicer. I normally pay this mortgage by the XXXX of each month. Over the past 6 months, I am getting debt collection calls during business hours on my cell phone asking when I will pay the mortgage. I am not 15 days past due on the mortgage. This is harassment to call me on my cell phone during business hours. I have asked them more than once to stop calling me unless there is a 30 day late. The account representative is extremely rude on the phone saying my payment is due on the first of the month and they will continue to call if I do not pay on the first of the month. I should not get debt collector calls like this. I was laid off during the pandemic from my job and unable to collect unemployment because I could not get through on the phone. I was out of work for three months. During this time Carrington Mortgage services offered NO assistance. They told me to apply for a loan modification and I submitted the paper work etc. I was able to make the payments and my mortgage is current now with no assistance from Carrington Mortgage Services. I asked if they would consider helping me with the credit reporting based on the fact that I could not get through to unemployment to get funds. They refused. I am working with a credit repair company now to get my credit scores back. This is very poor service. They are harassing me during working hours each month if I do not pay on the first of the month. How can I get these calls to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: NCB Management Services Inc.
State: TX
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:
I have attempted several times to get this debt validated by this company and they still have not done it. My first attempt was XX/XX/2021 by certified letter. My second attempt was 30 days later. Per FCRA rules, if the debt isn't validated within 30 days, the company is supposed to delete the debt from my credit profile with all credit bureaus. The FCRA rules are NOT being followed, which is why I have filed complaints with the CFPB, FTC, and XXXX and at this point I am also well within my rights to contact an attorney. The company stated in my last complaint that they sent the info that I requested for validation ( full name, original contract, original signature, full date of birth, full social security number ) but I have NOT received that info. I do believe that was a tactic by the company in order to close out the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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: Investigation took more than 30 days

Complaint:
Inaccurate information has been listed on my credit report. I am being taken advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury and defamation of character. I can not get a job or apply for credit. I am restricted from receiving aid such as SBA loans due to the pandemic due to the negligent, erroneous mistakes made by your company. I have also sent multiple letters to your company regarding this issue, and have received no response.

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 2020-11-21
Company: SYNCHRONY FINANCIAL
State: AL
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:
I need all the hospitals bills off it wasnt 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 non-monetary relief
Consumer complaint received 2018-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Numerous times I have contacted both the collection company and the credit reporting agencies that incorrectly report this account that is clearly identity theft. I have never chosen to do business with this company and when I called them to report the identity theft as most collection companies do, they laughed it off. 

As required by the FCRA and identity theft laws This account should be reported as identity theft and removed immediately from all credit bureaus and less the company can miraculously provide definitive proof the count to belongs to me. 

I have been falsely threatened and accused by this debt collection company less threatened to tell coworkers or file legal action that could result in criminal prosecution. 

As stated before I am the victim of identity theft and not the criminal in this company should be XXXX XXXX from such actions against victims.

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 2021-07-15
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX and XXXX XXXX  I had 6 Transactions totaling {$1800.00} stolen from my business account from someone who had spoofed my Crypto.com account. I attempted reaching out to the account holder and after a very short period of time was told the funds would not be returned to me. I tried explaining what had happened and how all of my accounts had been compromised. They explained they were not responsible for the fraudulent activity and again refused to return funds. I am demanding that a site with little security be held responsible for the money and return these funds 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 2021-06-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Inaccurate information has been listed on my credit report. I am being taken advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury and defamation of character. I can not get a job or apply for credit. I am restricted from receiving aid such as SBA loans due to the pandemic due to the negligent, erroneous mistakes made by your company. I have also sent multiple letters to your company regarding this issue, and have received no response.

Company response to consumer: Closed with explanation