BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-24
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After checking my credit report on XX/XX/XXXX I noticed that there was an open collection with Conserve that was reported sinceXX/XX/XXXX. I 've never had any communication with this company and there was never any communication notices made to me from this company to notify me that they were attempting to collect money from me. They have violated my consumer rights under the Fair Credit Reporting Act. 

Withholding Notices You are entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA a creditor fails to notify you of your right to dispute inaccurate credit information I would like to file a complaint to have this reporting deleted from my credit report and I would like to have this company blocked from future reporting of this account. This company has performed unethical business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There have been multiple violations of my consumer rights. The Credit reporting agencies failed to do a full investigation into my dispute of the following accounts : Acct Name : XXXX XXXX XXXX, Acct Number : XXXX Acct Name : XXXX XXXX XXXX, Acct Number : XXXX I do not recognize the alleged debt or debtor on my credit report and I refuse to pay it. I have never done business with nor do I have a legal or binding contract with XXXX XXXX XXXX. I found out these accounts were outsourced to XXXX XXXX XXXX by XXXX XXXX XXXX XXXX. Also after telling XXXX XXXX XXXX to cease and desist with all contact, they sent me an email today XX/XX/2023 which I have uploaded trying to collect on the alleged debt. These accounts were removed from my reports previously and are now back, which is another violation. I demand a Full Investigation by the Reporting agencies, A copy of the Purchase Agreements between original debtor and collector, and a copy of an Original contract with 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 2023-06-06
Company: EQUIFAX, INC.
State: NC
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 have a closed paid off account with XXXX XXXX XXXXXXXX XXXX from XX/XX/ that is inaccurately reporting a late payment on XXXX, Equifax and XXXX. I was never late with this account and was never notified of a late payment. It is also reporting inaccurately which is a consumer violation pursuant to 15 USC 1681e ( b ) which states credit accounts must report maximum possible accuracy at all times. This account is in clear violation of that. I have attached a screenshot of the payment history showing the inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
Chase Bank stated I applied for a car loan on XX/XX/XXXX. I did not apply nor sign the agreement as the agreement has no date mail to me by Chase Bank nor is that my signature. I applied for a car loan with XXXX  XXXX XXXX  in which I had a loan already with them and was approved when buying the XXXX XXXX XXXX  on XX/XX/XXXX is the day I applied for credit to purchase the XXXX XXXX XXXX. The document sent to me by Chase Bank where who ever sign my name with no date. as to the contract mailed to me. That is not my signature The contract has the wrong date of birth as the wrong social security number as stated on the as PA does not have drivers lic numbers as stated on that contract. Wrong Social Security Number Wrong date of Birth.Only thing right is the las 4 numbers of my social security number all date of birth driver lic is all wrong and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This involves Truist Bank, which is overseen by the FDIC. I just filed this identical complaint about Truist at the FDIC website : On XXXX, I opened a Business Checking Account with this bank, # XXXX, in response to a bonus that it was offering : open an account with a {$1500.00} or more deposit, sign up for Online Banking For Business, and receive a {$300.00} bonus within 28 days after the deposit was received. I have a credit card with Truist and I'm already enrolled in online banking. The bank received my {$1500.00} deposit on XX/XX/16. A day or 2 after I opened the account, the bank added the checking account to my online banking for the credit card. Today was the XXXX day after the bank received my {$1500.00}. Yesterday, I had an online chat with XXXX (? I'm not sure that that was her name, but it definitely started with an XXXX ) I asked her why the bonus hadn't been posted to my account yet. She told me that she would look into it. This afternoon I received an email from Truist stating that since I didn't enroll the account in Online Banking For Business, I didn't qualify for the bonus. 
Why do I have to enroll the account in Online Banking For Business? My credit card and checking account were both ALREADY enrolled in online banking. I could ALREADY transfer funds into and out of my checking account with accounts that I have with other banks. I could ALREADY make bill payments with my account, and I could ALREADY send cash to others from my account. There is NOTHING that I can't do with the online banking that I already have that I could ONLY do if I was enrolled in Online Banking For Business!! Why do I need 2 different usernames and 2 different passwords in order to log into THE SAME ACCOUNT?? If I specifically needed Online Banking For Business for some reason then Truist should have notified me of that when I opened the account rather than adding my checking account to the online banking coverage which I already had. This is bait-and-switch 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 monetary relief
Consumer complaint received 2020-06-01
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a notification from my credit monitoring system that a new collection has been reported by Enhanced Recovery Collections for a XXXX XXXX XXXX  account. I was immediately upset about this. I immediately called them and attempted to resolve the account. My conversation with the Enhanced Recovery agent informed me that this account was for an old account from XXXX, and that they had received the assignment in XXXX of XXXX. I informed the agent that I was upset that I had not received any written notifications about this account BEFORE it was placed on my credit report. I was clear that should I have received the written notification that I would of paid it on the spot. The agent informed me that they had not been able to mail anything out to me to inform me of the collection due to the fact that they received the account right as the Covid 19 Pandemic was declared. I was appalled that they refuse to delete this account from my credit report even after they admit they were not able to properly send out a first dunning notice to me as prescribed by Federal and State Debt Collection laws. 

I tried another phone call and tried to again give them a payment in full but they again would not want to commit to removing this from my credit report. I opted to visit my local XXXX XXXX office and pay it in person. This account has been paid in full and I demand a removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: V and H Portfolio
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: Old information reappears or never goes away

Complaint:
At a point the information was disputed and removed.I checked my credit report last week and noticed old accounts were inserted into my report that were deleted before

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Experian Information Solutions 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:
They have not removed chapter XX/XX/13 Bankruptcy from my credit report XXXX/Experian

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 2018-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
his letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.

I demand the following accounts be properly verified or removed immediately.

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 2018-04-11
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  XXXX XXXX XXXX has sent an inaccurate debt to be collected by GRANT & WEBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX Creditor opened collection XX/XX/XXXX As of today XX/XX/XXXX amount showing owed on credit report varies between {$840.00} and {$1200.00}.

I had paid my insurance co-pay of {$250.00} at the time of service for a procedure and was told no other amounts would be billed.

I have no income and have been diagnosed with XXXX  due to several sudden hardships that have occurred since XX/XX/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 2020-06-01
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Due to Covid 19 I have been unable to pay not only this loan but other bills such as mortgage light cable .It has not only been difficult but very depressing and hard to deal with.I am not asking for sympathy but empathy .For me to start building and growing 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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Improper reporting of creditor 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 2023-05-15
Company: Nair & Levin, P.C.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received a document from the Law Offices of Nair & Levin P.C. of XXXX XXXX XXXX in XXXX Connecticut XXXX phone number XXXX The letter sent to me states that they are attempting to collect a debt that I owe XXXX XXXX XXXX for {$2900.00} XXXX pay my medical bills to the facilities directly via a personal check regularly. I do not have any desire to work with this debt collector and do not need to. I am writing the CFPB to help mediate this issue and asking that Nair & Levin P.C. from here on Cease & Desist in contacting me, by phone, mail or email and in all matters regarding collection of this alleged debt. They are not my original creditor, and I have no desire to work with them in any capacity. As previously stated I take care of my medical bills with my original creditors, and will continue to do so. If my credit report is damaged from any reporting by this firm I will contact my state representatives for FCRA respresentation and violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo is still syaing I owe this money. I dont know how I or my XXXX year old son could make these transactins in CA and XXXX. How could I make a XXXX transaction when I dont have an account with them. How can I be in XXXX XXXX Fl.were we live and make transactions in California and XXXX at the same time. I have never been to CA or XXXX and this was all done during the covid-19 shut down. This is unexceptable. You can plainly se the transactions before this all started to happen were all {$10.00} {$20.00} transactions. I called as soon as someone made a {$2200.00} deposit that was not mine. I will see them in court and no judge will side with Wells Fargo after seeing the history of this 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 2019-09-03
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Went to court on XX/XX/2019. Because of being sued, by Midland funding LLC. This company brought an old account from XXXX XXXX. {$2800.00}. Will be returning to court on XX/XX/2019. Midland funding LLC seeking a judgment me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: CMG MORTGAGE, INC
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with CMG Mortgage Inc. on XXXX XXXX. At the time of the refinance, {$5200.00}, net of an aggregate adjustment of {$1000.00}, totaling {$4800.00} of initial escrow deposit was collected from me to pay the property taxes of {$4300.00} that were due on XX/XX/XXXX. CMG never paid those taxes on my behalf, nor did I receive the funds to pay them myself. Around early XXXX, CMG sold/transferred the loan to XXXX. I tried to call XXXX prior to contacting CMG and I just kept getting transferred to multiple people that would tell me that no tax payments were made. I contacted CMG in XXXX regarding the missed tax payment and they told me the " Loan has been sold/transferred ... CMG no longer has access to the account .... CMG has no funds ''. At the time of transfer, CMG noted that {$4800.00} plus {$860.00} ( from my XXXX mortgage payment ) totaling {$5600.00} was transferred to XXXX. Upon logging into my account with XXXX, this total was not reflected in my escrow account at transfer and was {$1700.00}, about {$4000.00} less than it should have been. As CMG would not take accountability or help me rectify the situation, I then contacted XXXX on XX/XX/XXXX. I was notified that I needed to submit the delinquent tax documentation to them. I sent the required documentation to them on XX/XX/XXXX. XXXX has since paid my delinquent taxes, but my escrow account went into the negative. XXXX has done research and noted that they only received {$1700.00} from CMG. I have corresponded with CMG through email and calling no less than 8 times, to request a copy of my documents involved in the sale of my loan to verify the full {$5600.00} of my escrow was in fact sent ... only to be told that I would hear back within 48 hours. I have yet to hear back and it has been over three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Specialized Loan Servicing Holdings LLC
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:
Hello, i have a loan with Specialized loan services which was put on forbearance because of COVID 19 and everything being on lock down from XXXX until XXXXRight before end of the period i called my lender and spoke about options to repay the debt which the agent was kind to set one for me in the next 6 months.I payed the amount i needed to pay at that moment which i was instructed to do and than waited for another month to do my next payment.Next month came in and the agent on the phone had no clue what happened and said to me that there is no repayment plan going on on my loan and that he had to do it all over again and also checked and confirmed that the agent before him just submitted a payment and that was all. 
After XXXX XXXX did background check on my credit report they noticed one late payment that was reported from SLS and they did not wanted to take that out of my profile because apparently from their view i have missed a payment.Totally unfair for me to have that on my account after pandemic and not knowledgeable staff from their company to not guide me correctly in situations like this.I want full investigation from their side and a sweep on my account for present negative actions on my profile.T 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 2022-11-30
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:
This is not my account spoke with XXXX @ Equifax to remove account from credit report as this is not my account Account Number XXXX XXXX XXXX Reported Balance {$67000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditor : XXXX Collection Agency : Convergent Outsourcing In XXXX I had an account with XXXX. I moved outside of their coverage area. Per my agreement, Early Termination Fees were supposed to have been waived. 

To my surprise, a XXXX bill was turned over to a collection agency ( Convergent Outsourcing ) who claimed the fees were not waived, they could not waive the fees that should have been previously dismissed by XXXX. This left me with an unpaid balance of {$850.00} as of XX/XX/XXXX. 

This already illegal debt should be 5 years old at this point. To make matters worse, the same creditor re-aged this debt as a XXXX debt, making this look more recent. This has dramatically lowered my credit score and is causing financial hardship. 

I attempted to dispute this several times in early XXXX, through XXXX. All disputes were denied, and again making this look like recent negative activity. Please help. 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 2018-07-22
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: Account information incorrect

Complaint:
I returned my phone to XXXX  which required me to take a XXXX card and now they are charging me for a phone I returned to them, and put it in dispute resolution but XXXX put it in dispute resolution and still charging me for a fee for buying a phone I returned. 

Now, it is in my report and they refuse to take it off my credit report so I can not get credit so XXXX is asking me for something I no longer have as well as XXXX XXXX, as I tried to register my dispute resolution to take this off my credit report but they refused to let me register.

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