BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-06
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on EVERGREEN PROFESSIONAL XXXX Balance {$170.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: EQUIFAX, INC.
State: KS
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 sent paperwork to Equifax showing fraud on an account-I fax it in to the fraud department. The packet included a FTC Fraud Affidavit and letters that were provided to me by the FTC to have the account blocked. I called and verified that Equifax received the paperwork and they stated that they are not going to block this account. but put it in for a dispute. They stated that I have to filed a police report to get it blocked. I told them that I was informed by FTC that I was not required to have a police report file and not to file a police report until I know the amount of fraudulently charged. but they stated that is the only way to they will do it. Until they get that, they will treat it as a disputed account not a fraud account, and allowing it to keep report to the credit buear as an negative/ fraudulently account. Marking the account showing in dispute-Which with that, I can do any type of banking for my business. 
The rep stating, because I opened the account, it was not fraud. I did open the account but I have charges on the account that are fraudulently and the lender refuse to provide me any paperwork regarding these charges. I have filed all of the paperwork required. I have even filed a complaint with the CFPB regarding the company that is reporting on my credit report. 

What is the point of doing all the steps necessary for blocking a fraud account on the credit, if the credit reporting companies are not going to follow it. I was told about the fraud paperwork from XXXX and XXXX XXXX-Equifax stated all I could do is file a dispute and wait 30 days. Why is equifax not following any of the fair credit reporting rules?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.

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 2020-07-28
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:
THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE OFF ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623, IM DEMANDING THE REMOVAL OF 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 2021-05-27
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 have filed several disputes with EXPERIAN, XXXX, an XXXX  and I have received no answers.

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 2020-09-17
Company: Experian Information Solutions 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:
I disputed a collection account on my report because it didn't belong to me. I have received the validation of debt letter from the company and neither the name or address belong to me on the bill provided. Please remove this incorrect information from my credit 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 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XX/XX/2020, I became a Covid-19 affected employee. I missed a payment on myXX/XX/XXXXaccount in XXXX 2020. I requested that XXXX XXXX forgive my past due payment, due to my spotless 3 year payment history, and they sent me a letter stating they would remove my XX/XX/2020 late payment. I have attempted 4x to get the credit bureaus to update my account based upon the creditor 's correspondence, but they continue to fail to update and now refuse to allow me to further dispute this item to get it reporting accurately. I am trying to apply for a mortgage but I am receiving decline notices due to this very recent blip on 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 2022-10-05
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-30
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have two mortgages currently with Fay Servicing, both for investment properties that I own. I have an " auto-ACH '' that I agreed to when the loan was originated, which pays Fay from my bank account on the 12th of each month. These loans were originated on about XXXX of XXXX. 

After a review of those statements, I identified XXXX occasions ( for each loan ), where Fay charged me a late fee of 10 % of my monthly mortgage payment. The total late fees equaled almost {$1000.00} dollars across the two loans. 

I tried to reach Fay to discuss through online messaging, via 800 number during their hours, and using their " call me back '' feature. I did this over 3x times over 8 days. Unfortunately, I never received a response.

My complaint : I am seeking : - return of the nearly {$1000.00} in late fees that were charged to me by Fay - clarity on the grace period associated with these loans, so that I can remain in compliance - ANY response by Fay to my multiple inquiries This mortgage servicer has been completely unresponsive. Please help a concerned and impacted citizen. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Eastern Account Systems of Connecticut, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spoke with agent XXXX XXXX XX/XX/22 approximately XXXX XXXX- I Wasn't aware of debt until found on credit report-XXXX said XX/XX/22 XXXX got my new address XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX the day after they received acct XX/XX/22 and sent first and only collection letter- no corespondance was sent to new address although they identified a new address for me- I advised XXXX I hadnt lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX since XXXX XXXX said it isnt their responsibility to check their files for new addresses before credit reporting- I told XXXX I dont know if its my debt because Ive moved and XXXX ( original creditor ) has my correct phone number and I havent received any calls and she didnt offer debt validation/verification letter- Representative wouldn't answer questions about debt, said she didn't want to argue with me-Requested supervisor transfer agent refused and as she will have supv call back but she doesnt know when- When I asked her to document on my file they had my correct address the day after they received acct she said no-Said she will only document acct for supervisor to call back and there is no formal dispute process- XXXX implied repeatedly no action will be taken- I want this removed from my credit report because no attempt for contact was made after they got current address

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/2023, Person " XXXX XXXX '' on XXXX claimed to sell concert tickets through XXXX XXXX. Asked me to zelle XXXX $ to XXXX enrolled as XXXX " their boyfriend ''. Claimed that they never received the payment but my bank chase confirmed that they got the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
the loan financial company Ally Financial insist that I have a debt w/ them and it is currently listed on my credit as charged off w/ late payments. It has in record that I have of a cosigner I have no knowledge nor recollection of such a person. I have no relations whatsoever to this person listed. Therefore, I am stating this is an inaccuracy/ fraudulent. As a result, I am requesting that is removed. I have disputed and contacted the credit bureau as well as the creditor and was denied the removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Coinbase, Inc.
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I m a victim of scam on coinbase. 
Someone had stolen XXXX $ out of my wallet. 
And coinbase have not done anything about it. 

My complaint letter is attached on bottom Please help me on this terrible situation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Convergent Resources, Inc.
State: CO
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:
XXXX XXXX is the business and the date is XXXX XXXX, 2017! I wasnt even in Kansas and if i was i lived in XXXX XXXX, Ks! The amount is XXXX dollars and its fraud! The company is 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 2022-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX of our checks was stolen from the XXXX by a Bank of America XXXX. Then it was modified using white out putting their name as the payee. Bank of America supposedly caught that and did not let their customer have the funds, but they did withdraw it from our bank account and are now holding it. Theyve held it for over XXXX months and will not tell us when theyre going to reverse it or redeposit it back to our account. We have a copy of the fraudulently changed check as do they. Their fraud department refuses to give us any updates. The amount is {$23000.00} fraudulently showing XXXX XXXX XXXX XXXX in XXXX Louisiana dated XX/XX/2022. How can we get your help on this? Thank you.

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 2020-11-10
Company: EQUIFAX, INC.
State: NH
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:
My credit score withXX/XX/XXXXand Equifax was dropped XXXX points with no explanation, I've been trying to contact them but with no success, this is making my finances explode in a very bad way when it should have never happened seeing all my accounts are current Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
attached in this complaint are my I.d Docs for verification Went to apply for a credit union today ''XXXX/XXXX XXXX XXXX XXXX XX/XX/2019 but was told they could not grant me access due to a security freeze on my XXXX   report, I have never asked or requested a freeze so i was shocked to be told of these news. I called multiple times to fix this issue but to no avail, I simply asking to remove the freeze if its there and to be sent a letter indicating this has been fixed to have the ability to open a new bank account with zero issues.

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 2018-04-09
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Contacted the company regarding apparent debt starting in XX/XX/2016.I 've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response.I sent validation letters via certified mail to ensure that they would be received.An insurance claim with the company 's insurance was made regarding furniture that was purchased from company, furniture was lost in flooding and an insurance claim was then made which covered the balance left. I have been called numerous times over the past 2 months regarding someone delivering paperwork to my home which caused concern for my saferty due to the consistent harassment from this company. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Premier Auto Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/ 2016, I stopped receiving statements for my auto loan. I followed up with Premier Auto Credit and continued payments. Amounts and information was incorrect, followed up and updated info. Then I moved, by the time my invoices and account was corrected I was behind in payments more than I could afford to pay at the time. Expressed my hardship and they weren't able to make an arrangement that worked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been calling for a week has been showed paid. For a week. Everyone refuses to notify my employer even though my checks are about to get garnished. No one will help. The list guy said yes I have to by the extra until their attorney gets the release in even though the attorney w 's in the file. I was refused to be transferred to supervisor. I told them hen they get the garnished check from my employer to not cash it and send it back and he wont do that either. They are not make any effort to not take extra. Portfolio recovery XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: TRUIST FINANCIAL CORPORATION
State: WI
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 requesting the account with XXXX XXXX be removed from my credit reports The account is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT COLLECTION SERVICES is communicating with me through XXXX, XXXX, and XXXX stating that I owe a debt when I have never done business with their company before. I XXXX XXXX disputes this debt and ALL claims in accordance of 16 CFR 433.2, Tital 15 USC 1692, Regulation Z, Regulations M, and ALL applicable UCC Articles.

Please govern yourself accordingly. If you lack understanding, forward to your ATTORNEY.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I recently filed a complaint against XXXX after attempting to resolve a balance owed after spending and extended amount of time in a XXXX XXXX XXXX. I called the company multiple times to attempt to resolve the past due amount with no response from the company. The day after I filed a complaint I received an email stating that XXXX sold the loan to Crown Asset Management on XX/XX/XXXX. I attempted to contact Crown Asset Management on two occasions and was not able to get anyone on the phone or a return phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CITIBANK, N.A.
State: FL
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:
I have had a Citi business XXXX XXXX for years. The card expired and I never received a replacement. Back in XXXX I had the bank account associated with the card closed. There were some small auto charges still on the card and autopay was on. After the bank account was closed I tried to login to the website to update it but the site said it was down. The next day I tried again and it still said it was down so I called. Apparently it was one day late at that point. The rep I talked to accepted a payment that he said would XXXX out the account and claimed he waived the late fees and interest now. Now two months later I have been apparently charged multiple late fees and interest on top of that late fee that wasnt waived. I called Citi and they are refusing to waive the original fee that was supposed to have been waived or the subsequent charges on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: NJ
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:
As per FCRA Section 611 ( a ), it is clearly stated that failure to investigate these items within XXXX days gives reason FOR IMMEDIATE DELETION. I have sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. To this day, over XXXX days later, I have not received a response. FEDERAL LAW requires you to respond within XXXX days, It has now been over that period since your receipt of my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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:
To whom it may concern XX/XX/2020 I got hit with a hard inquiry from XXXX  XXXX. I did not apply for any card with them. This was never authorized by me. I didn't sign anything or sign up for anything. Just looking for this to be removed since it is inaccurate or fraud by someone trying to be me. I came here right away as soon as I was aware of situation. Thank you

Company response to consumer: Closed with explanation