BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
Company: Army and Air Force Exchange Service
State: FL
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 sent a certified dispute and debt validation letter to the collection company asking them for debt validation. The company did not respond to my complete lines of request. The collection company did not follow any FCRA requirements. The collection company flagged XXXX before sending me anything back in writing. I checked my credit information a week ago and to my surprise a collection debt in the amount of {$6800.00} is in my credit report. I know my rights as a consumer. I have a positive history of paying my bills on time. This company has called my phone repeatedly and my relatives cell phone non stop after I asked them to stop. No debt validation information was sent to me at all nor was there any legal contract between the collection company and myself stating that I owe them. This company simply placed this collection in my report without any debt validation and it is a violation.

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 2022-11-08
Company: Convergent Resources, Inc.
State: NY
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 Bad credit report from convergent outsourcing for unpaid sprint bill I paid it up in full on XXXX Confirmation # XXXX of payment for Convergent outsourcing XXXX agent Name : XXXX XXXX She said can't email confirmation so above is the confirmation number. 

XXXX i called XXXX to remove bad credit report they said convergent outsourcing put in on their responsible to remove it. 

XXXX spoke to : XXXX XXXX XXXX Supervisor Convergent outsourcing handles sprint accounts Asked her to remove the negative report from my account she declined! 

i was hit with over XXXX points going down my score! and negatively effecting my credit, essentialy Locking me out of functioning financialy. 

I had an excellent credit over 770! 
Now i got hit like crazy showing credit score is now XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm so disappointed! Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update this account completely from my credit reports. 
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
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 



15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-06-28
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received my credit report and saw a charge off collection from this company and said I owed {$460.00} I have never had an account with them. I had several people staying at our house so I am assuming it was one of them not sure. I contacted the credit bureau 's and they said everything was accurate and that the company says it is mine. But it is not mine no one can show me were I signed anything and I want them to prove to me I signed the original application. This debt is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted an initial complaint regarding an escrow account dispute with Fay Servicing on XX/XX/XXXX via the Consumer Financial Protection Bureau. 

Fay Servicing incorrectly charged me {$2500.00} as a property tax payment for XXXX and included this charge in my monthly escrow payment. Fay Servicing made the tax payment on a property that does not belong to me but was charged to my account which resulted in an escrow shortage. I was subsequently charged for the incorrect overage. Despite the error, I have been paying the incorrect mortgage charge in FULL while patiently waiting for Fay Servicing to correct the error and reimburse the overpaid funds.

After several failed attempts at resolving the issue with 3 different account managers at Fay Servicing I filed an initial CFPB complaint. On  XX/XX/XXXX, I received a response from Fay Servicing, regarding my initial complaint in the CFBP portal, admitting to the error and offering a solution to refund my account.

According to their official response, The refund process should take about a week to finalize. It has now been over 80 business days and I have not received any refund, nor any further correspondence from Fay Servicing, despite several email attempts and phone calls to my account manager.

According to FTC guidelines for mortgage disputes, The servicer must send you a written acknowledgment within 20 business days of receiving your inquiry. Then, within 60 business days, the servicer must correct your account or determine that it is accurate. The servicer must send you a written notice of the action it took and why, as well as the name and phone number of someone to contact.
The issue has not been corrected, nor have I been contacted. However, I continue to get phone calls when the mortgage payment is due but no effort to contact me regarding my unresolved dispute. Fay Servicing is highly unprofessional and in violation of several policies and practices regarding dispute resolution and account management.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: BlueChip Financial
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan of {$500.00} in XX/XX/XXXX. In XXXX of XXXX, one payment needed to be deferred and asked to be placed on the end of the loan. What was not explained was that this would cause the loan to be tripled, and in fact stretched out until XXXX of XXXX. I reached out to ask how was this possible, and that I had already paid almost three times the loan back. I was then explained that my loan was not through Spotloan, rather another company titled XXXX XXXX XXXX. 

This was never explained to me as well. I feel that Spotloan and XXXX XXXX XXXX  are utilizing unfair, deceptive, and abusive acts and practices. We are in the middle of a pandemic, and most citizens ( like myself ) have to choose between working and home schooling children. I am okay with paying what is owed but to extend a loan for 5 more months because of one payment deferral is insane. In addition, I apparently have a loan with a company I never agreed with or knew I was borrowing from. I've asked for calls back and they keep saying someone from their " legal team '' will call me but never have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- STUDENT ACCOUNTS -- 1. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$0.00} -This is not my account.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An identity theft claim was filed due to unauthorized charges on my account. I went back and forth with td bank to correct my account. In XX/XX/2022 the last correspondence I received about my claim stated my provisional credits were finalized and now permanent meaning I was not liable. Now Im receiving communication from an agency on their behalf for $ XXXX that I do not owe. This is illegal and I want this remedied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An identity theft claim was filed due to unauthorized charges on my account. I went back and forth with XXXX XXXX  to correct my account. In XX/XX/2022 the last correspondence I received about my claim stated my provisional credits were finalized and now permanent meaning I was not liable. Now Im receiving communication from an agency on their behalf for $ XXXX that I do not owe. This is illegal and I want this remedied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09
Company: Colony Brands, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity thief and am not the person responsible for this. I have called the company to have it removed with no good result. I am currently fighting another identity theft of my name. Pleas remove this from my credit report as it is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: CA
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 have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Friday, XX/XX/XXXX - Activated card via telephone with a person. All set. 
Monday, XX/XX/XXXX - Tried to use card to purchase from XXXX XXXX and card was declined. Problem : Invoice in husband 's name, only my name on card. 
Tuesday, XX/XX/XXXX XXXX - Called, spoke with an agent he said he " unlocked '' the card and added my husband on the card. All set. 
Tuesday, XX/XX/XXXX XXXX - Tried to place the order again. Card was declined. 
Wednesday, XX/XX/XXXX XXXX - called, agent verified my ( 2 ) phone numbers but the ( 2 ) phone numbers were not mine nor ever been mine????? He took my ( 2 ) numbers again and after 20 minutes he said my card was " unlocked ''. All set. 
Wednesday, XX/XX/XXXX XXXX - Tried to use card to purchase from XXXX XXXX and card was declined. The message from XXXX XXXX : XXXX  XXXX XXXX : transaction failed. This transaction has been declined ; SEC Code 175 with account # XXXX XXXX thru XX/XX/28 SEC Code 175. Translation : the SEC Code on the card doesn't go with the Account number on the card. 
BANK OF AMERICA VISA US and XXXX XXXX International Collect XXXX Is this fraudulent or a scam?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
They refuse to remove a collections from the XXXX XXXX. I never owed them anything I went to court with my cable company as they overcharged me and owed me money. Collection was an error and it was removed from both XXXX XXXX and XXXX  however Equifax refuses to remove it. The collection agency reached out to the credit agencies to remove the information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: AZ
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 originally submitted a dispute to the CFPB on XX/XX/2020 and below is the XXXX. excuse as to why Experian does not want to serve my needs. I am so offended of the stall tactics. I demand all of my issues on the letter enclosed get served. Experian is non compliant and I am ready to pursue legal action. SEE EXPERAINS WRITTEN RESPONSE ENCLOSED : Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. COMPLAINT NUMBER FROM CFPB= 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 2022-12-29
Company: Kriya Capital, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Credence Resource Management on XXXX. I spoke with XXXX and Supervisor XXXX XXXX about an XXXX collection that was reported by them on my credit report. I asked for proof of the alleged debt specifically the original application bearing my signature. I was told by XXXX that they would not be able to provide such proof to me. Under the XXXXair Reporting Act this item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
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: Their investigation did not fix an error on your report

Complaint:
I discovered that an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be investigated and correct : XXXX XXXX XXXX : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I've received what appears to be a targeted email that reads the following : " Whether you are at work or working from home, home schooling or learning online, you have a lot on your plate. We think you deserve a break. So, order a meal for yourself or send one to  someone else. And, when you use your XXXX XXXX XXXX  XXXX XXXX  XXXX Mastercard to place 3 orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX, from XX/XX/XXXX until XX/XX/XXXX, you'll earn a {$20.00} statement credit. '' The email contained my name and the last 4 digit of the credit card for which the offer is targeted for. I went ahead and completed three purchases with XXXX XXXX  with the card in the month of XXXX as per terms of the promo. And now it's XX/XX/XXXX, more than 110 days have passed after the end of the promotion period, I still have not received the statement credit on my account. The last statement closing was XX/XX/ no nothing. Between XXXX and now, I've called and messaged the credit card issuer multiple times, and each time I was told to wait for the next statement. I called again today, after holding for 20 minutes,  talked to an agent, she acknowledged I was entitled to the statement credit yet was not able to tell me when I'd see it getting posted despite the email says " Statement credits earned will appear on your statement 6-8 weeks after the end of the promotion. '' Thus I'm filing a complaint to expedite this process.

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