BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know what this debt is ; I disputed the collection debt on the XXXX XXXX and the results were " deleted. '' This collection was successfully removed from my XXXX credit report ONLY. 

This collection debt was supposed to be removed from ALL of the credit bureau 's. 

I asked this collection agency to please verify that this debt belongs to me and to provide me with a copy of the original contract. I have never received the documents I requested. 

This debt collection agency claims I owe them money regarding a medical procedure. I have never allowed this company access to my medical records and they violated the HIPPA law, because they claim to know medical procedures that were performed on me. 

I have attached screenshots of the debt being successfully removed from my XXXX credit report after I disputed it. I also attached screenshots of the debt still being reported on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/20, I deposited a check on my Bank of America checking account in the amount of {$3000.00} from a buyer via XXXX XXXX for piece of furniture ( asking price {$1000.00} ). 

I went to a Bank of America near my location and asked them specifically to verify the check. I also explained the situation to them and how I got the check from the buyer on XXXX XXXX. The Bank of America agent made me deposited the check to my checking account and told me to wait for the check to clear. 

The check was clear the next day by Bank of America. The buyer from XXXX XXXX asked me to send the rest of the money back via Check or XXXX. That's when I suspected the buyer as a fraud. 

On XX/XX/20, I observed a {$2000.00} transfer to random ( via XXXX XXXX ) that was pending on my Bank of America Checking Account. I contact Bank of America right away to disputed the transaction but was told by Bank of America agent to wait until the transaction was clear. I contacted XXXX XXXX via email ( no phone number ) to deny the transaction, but was told to contact local Law Enforcement. I contacted local Law Enforcement and they claimed the transaction as fraud and advised me to contact Bank of America in order to get my money back. I contacted bank fo America and they denied my claim two times. 

The check came back as fraud a few days later 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 explanation
Consumer complaint received 2020-08-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX 1. What is my complaint? My complaint is with Wakefield & Associates. 

2. Here is an explanation of what type of problems I am having, what happened, what company is the complaint about and who is involved. 
Attached is one page of my XXXX report regarding Wakefield of XX/XX/XXXX. Attached is a letter from XXXX XXXX dated XX/XX/XXXX stating this account is paid in full. The attached XXXX XXXX statement is the original amt but Wakefield increased every year up to XXXX. In fact we got several calls telling us to call them. Each time they call they increase the interest year. They all harass XXXX leaving nasty messages on my cell. 

Another account they say XXXX owes is XXXX  XXXX. Attached is XXXX explanation of benefits page and the statement of physicians statement dated XX/XX/XXXX, and an email regarding of the XXXX  amount. 

My wife and I spoke to them about this letter, and mailed them a copy of this letter. They said they will let XXXX know if they agree ; we have not heard from them. XXXX wants this removed from his XXXX  report immediately. Wakefield is also on XXXX XXXX  report. The XXXX  report attached is dated XXXX ; we havent received XXXX report yet. 

Attached is IRS 1095-B Health Coverage showing XXXX had full 12 month coverage for XXXX. 

3. Wakefield collection regarding XXXX  XXXX  XXXX amount {$670.00}. We called this agency they informed XXXX there is no account for XXXX. As you can see Wakefield shows on XXXX  report ( attached XXXX XXXX owes {$670.00}. XXXX is now named XXXX XXXX XXXX XXXX XXXX Theyre number is XXXX. 
Please let us know if you need more information. 

XXXX and I can be reached at XXXX. Our home address is XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I initiated an investigation on a disputed on several accounts of which several were 7 years old. The company chose to update it though the account was opened 7 years or older and inthe dusputes the consumer is not given priority in these cases. The companies are. In the event of XXXX, they had a security breach and I can not access my report. A dispute was started on XX/XX/XXXX with XXXX. XXXX  would not allow me access to my report. I have been denied credit because of this.

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 2021-09-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX The information include above is reporting incorrectly via my credit report. Please update and remove inaccuracies.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When I applied for a new mortgage, I was told that I have no credit score, absolute XXXX. I am XXXX XXXX XXXX and have about 50 years of credit history : loans, mortgages, credit cards, bills paid, etc. The last mortgage I took out was in XXXX. It was paid off in full in XXXX. At the time my credit score was near XXXX. Now the lenders say there is no credit score at all. I tried to contact Experian to see what the problem is, but can't get through to them.

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 2021-03-24
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I received a notification today that my credit score was lowered upon investigation i discovered that this company was the reason for the drop. this business has not reach out to me by mail or phone. it is unfair that a business would place a item on my credit credit report without reaching out. I am requesting that this account be removed from the credit bureaus immediately, because it is hurting my chances of further rebuilding my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Rock Creek Capital, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from a credit collection agency that calls itself XXXX XXXX XXXXXXXX  or XXXX, on XX/XX/XXXX stating that I owe a debt of {$470.00} on a debt to Rock Creek Capital , LLC for a leased XXXX XXXX that I turned back over in good standing in XXXX of XXXX. I immediately responded with a letter stating that I dispute this debt. On XX/XX/XXXX, I received a response form XXXX stating that I do owe them the debt for Rent Past Due, Sales Expense, and a Lease Termination Charge. Their letter also states that they do not have to respond to any other inquiries, requests for additional information or challenges to their claim. 

The lease in question was on a XXXX XXXX XXXX which I leased on a weekly basis from a company named XXXX XXXX, which was affiliated with XXXX. The purpose of this lease was to drive for XXXX. During my lease, XXXX XXXX was bought out by XXXX, which from what I understand went out of business after I terminated my lease and their remaining business was bought out by Rock Creek Capital LLC. I leased this car from XX/XX/XXXX through XX/XX/XXXX. The weekly lease payments were taken directly out of my XXXX earnings each week before I could even touch any of my earnings. I never missed a payment. When I terminated my lease, I called XXXX XXXX and they scheduled a pickup of my leased XXXX from my driveway. I was instructed to leave the keys in the XXXX and they would come pick it up on Monday, XX/XX/XXXX, which is exactly what happened. When I spoke to them on the phone, they told me that the final payment would be taken directly from my earnings as they always have up to and including the XXXX, and that there would be no additional charges. Everything went exactly as they described and I never heard from them again. 

The XXXX was in excellent condition when returned and nobody has reached out to me in 3 years to suggest otherwise. I have lived in the XXXX area, with an up to date legal address, the same phone number and email address as I had in XXXX and have never been contacted by XXXX XXXX, XXXX, XXXX, Rock Creek Capital, XXXX XXXX XXXX or any associated companies or individuals ever claiming or suggesting that I may owe any outstanding balances from my auto lease. Now, 42 months later, Im receiving letters from a debt collector which claims that I owe money to a company which has changed hands several times and I cant help but feel like they were just hoping I failed to respond to get a default judgement against me. 

I looked up this exact scenario online and saw that numerous other former XXXX drivers who leased through XXXX XXXX are now receiving similar letters beginning in XXXX, which I think deserves being looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: DISCOVER BANK
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I was involved in a gift card scam and discover doesnt claim that its fraud. And I have an enormous bill in which Im struggling to pay off and in the meantime my interest is accruing. Its over {$10000.00} and Ive tried settling with them but the wont. I could use your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: BARCLAYS BANK DELAWARE
State: NY
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:
There were several charges on my JetBlue XXXX account, Totalling {$2200.00} on XX/XX/XXXX and XXXX. I contacted the credit card company alerting them I didn't activate my card and I just received an email saying my credit card was activated. The company told me that there were many changes on the card. They told me there would be an investigation. I just received the letter today which they denied the fraud 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 monetary relief
Consumer complaint received 2020-08-03
Company: EQUIFAX, 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX {$690.00} XXXX/XXXX XXXX {$4400.00} XXXX XXXX {$60.00} XXXX XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was billed for my ex wifes cable bill. This was with XXXX and I paid, they still reported me as I didnt pay. I pay them again and they still show in my credit report as a close collection. The collection was open in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: FL
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 call Equifax and sent certified mail to remove inquiries unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Employer : UNKNOWN Date Updated : XX/XX/2020 XXXX XXXX Date Updated : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm shopping for a mortgage and follow my credit scores. After checking what they are I finally applied for the mortgage only to be told that banks and lenders don't use the score that we are shown by the credit bureaus. The lender used the same companies but had a different score. Yet the credit bureaus lead us to believe that the score is the score, and hide any differences or more specifics behind lots of unintelligible legalese. I believe this is false or fraud.

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 2018-01-17
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/XXXX, My vehicle was repossessed by Consumer Portfolio Services ( CPS ). Upon contact with CPS, I was told the vehicle had been repossessed and more information would follow as a result of the repossession. Until the day I have yet to receive any information concerning the car or the amount the vehicle was sold for/invoice. Furthermore, it is Virginia law I be supplied with the invoice as well as the Date and location the vehicle would be sold. After reviewing my credit report, I saw that the company provided an ending balance of {$5600.00}. How is this possible? How am I suppose to know this is correct? Furthermore when I reviewed the account several payments were not posted correctly to the principle balance. I have enclosed the document from my credit report to show the issues with CPS.  If you review XXXX to XXXX a payment was made with no late fees incorporated yet the balance remained the same. I examined the other reports an all reflect the same issue. If you review XXXX I paid XXXX and yet my principle balance was only credited with {$610.00} Even I was paying the loan at 23 % there is no way the balance should only move XXXX dollars. The same thing happens from XXXX and XXXX, XX/XX/XXXX and over the course of the loan this company did not post my balance correctly on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Statement cycled on XX/XX/2021 for a full balance of {$910.00}. I made 2 payments, 1st was on XX/XX/2021 for {$110.00} and then the 2nd on XX/XX/2021 for the remainder balance of {$800.00}. The due date was on XX/XX/2021. Since I paid the balance in full is should not be charged the interest in the next month of {$6.00} that is showing due by XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I used TD Bank for a conventional 30 year mortgage. We stared the process in XX/XX/2018. We closed on XX/XX/2018. 

On XX/XX/2018 a document stated cash to close was {$72000.00}. On XX/XX/2018 another document cash to close was {$65000.00}. 

On XX/XX/2018, we were contacted by XXXX XXXX from TD Bank and she requested that we confirm for her the the amount of our deposit to the builder ( {$18000.00} ) and the total home price ( {$370000.00} ). We sent this to her in an email, of which will still have a copy of. We never heard anything back from the bank. 

We figured from the cash to close information we previously received and leaving some room for error, we figured the money we would need would be about {$75000.00} Although TD Bank had all the required documentation needed from us, along with the correct purchase price/ deposit ( sent to the bank on XX/XX/18 ) we never received any settlement information from them. On the day of closing, we had to contact them and request it be emailed to us. 

On the day of closing, XX/XX/2018, less than 24 hours before our closing we received several settlement statements and to our surprise the final statement was {$16000.00} more than expected! We did not receive a correct settlement statement 24 hours prior to closing. We did not receive any information about cash to close after XX/XX/2018 when we sent TD Bank the information they requested about the deposit/ home price. We were placed in a very bad situation due to the fact that TD Bank did not follow The Real Estate Settlement Procedures Act that requires that a settlement statement be given to all parties involved with the transaction 24 hours prior to the scheduled closing date. TD Bank also did not properly record the figures given to them on XX/XX/2018. We believe that is the reason why our cash to close/ settlement statement kept changing on XX/XX/2018 ( our closing date ). 

The unexpected {$16000.00} was truly needed by us for moving/ traveling expenses but in order to close we had to us it. If TD Bank would have sent us a settlement statement prior to closing, we would have been able prepared for closing/ costs due. 

We are filing this complaint after trying to work things out with TD Bank. Their response was that they did nothing wrong. We believe they did. As consumers we had to follow laws/ regulations to obtain a mortgage but TD Bank did not follow the guidelines/ laws placed on a lender. We are requesting that you look into this for us. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm shopping for a mortgage and follow my credit scores. After checking what they are I finally applied for the mortgage only to be told that banks and lenders don't use the score that we are shown by the credit bureaus. The lender used the same companies but had a different score. Yet the credit bureaus lead us to believe that the score is the score, and hide any differences or more specifics behind lots of unintelligible legalese. I believe this is false or fraud.

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 2019-02-11
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:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief