BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have several times disputed an account that i noticed at the start of XXXX, when i first began to check my credit report. There was an unknown collections from a company called XXXX that had a medical bill from XXXX I had no knowledge of a collection or even a bill, so I disputed it with all 3 credit bureaus. They would not remove it. Finally I was able to find the original creditor and contacted them. Apparently they made a mistake in billing department when the bill was sent to insurance which caused them to deny it, I was then never notified of any bill nor sent an actual bill, instead it went to collections and remained on my credit report since XXXX. I have been sent a letter from XXXX ( collection agency ) that the account and collection has been closed. I would greatly appreciate if you could assist me in having XXXX, equifax, and XXXX remove this from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: VW Credit
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a car repossessed in XX/XX/XXXX. At the time I was out on XXXX  due to a work injury and a single parent. I was financially insolvent. VW Credit just submitted the charge off with tax year XX/XX/XXXX. Now the IRS is auditing my income for tax year XX/XX/XXXX. My understanding is that they are outside of the statute of limitation to charge off a debt that happens in XX/XX/XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to you in reference to the company Afni, INC. My credit report says that I have an account with them that was opened XX/XX/2016. I have never opened an account with the company. The account number they have on file is XXXX. The account is not mine. I have tried numerous times to dispute this account with the credit bureaus and they will not take it off of my credit report because the company is still falsely reporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Kivell, Rayment and Francis, P.C.
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:
We are contacting your agency in regards to multiple calls by what we call robocallers which is like persons in order to obtain personal information such as social security number, birth date account information and collection accounts that do not exist on our credit report. 
Obtaining information such as financial information posing as IRS agents and sending out false documentation in order to fraudulently remove are IRS refund checks. 
Posing and contacting as persons offering jobs or Services needing Social Security numbers, birth dates, name and address same organized group of criminals posing threats to Identity, data breaches and Financial obstruction of justice.

We are requesting that our phone number be placed on the Do Not Call registry for three consecutive years and that a renewal be submitted to us upon expiration Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I took out a loan with speedy cash when I fell upon some hard times the loan would go into collections and this company called universal collections called stating they were collecting a debt for speedy cash had all of my information I was setup on a payment plan and paid the loan off in XXXX of XXXX here I am 5 months down the road and the debt is still showing delinquent and impacting my credit I have called this number XXXX ( XXXX XXXX ) numerous times and they always pick up and ask me for my case # XXXX it always show paid off in their system but no record of it showing paid off on my credit or to Speedy Cash I called yesterday XX/XX/XXXX and got the same answer when I called and spoke with her yet again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: NCB Management Services Inc.
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NCB Management was to take money out of my bank account every 2 weeks and were taking payments out weekly, increasing amounts that I DID NOT agree upon. This caused me to get overdraft charges from my bank and gave me enormous amounts of stress and anxiety. I contacted my bank and requested a stop payment in the amount NCB MANAGEMENT was taking from me weekly as it was supposed to be biweekly. Since doing so I am getting 5-10 calls per day from NCB MANAGEMENT. A man by name of XXXX XXXX is leaving me voicemails multiple times per day stating he is a debt collector. I have paid the debt in full and then some.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company has incorrectly reported late payments for months of XXXX, XXXX, XX/XX/2018 even though the payments were done on time. The company claims there was no payment in XX/XX/2018, and so the XXXX payment was credited to XXXX, XXXX payment to XXXX, XXXX payment to XXXX, and so on. I have shown my bank statement as proof of mortgage payment and cash transfer to XXXX XXXX, the mortgage transferee. The company has ignored this proof and claims XXXX has no record of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Betterment LLC
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a cash back offer for opening a Betterment account thru XXXX. 
Here are the terms from Betterment/XXXX  : Cash Back is only earned for a funded Betterment Checking, Cash Reserve or Investing account of at least {$1.00} for checking products and {$10.00} for Cash Reserve and investing products, and is not available for other Betterment products or current Betterment customers. 
Cash Back will be automatically added to your XXXX account tomorrow. 

I opened the account on XX/XX/XXXX. I received this email after account opening on XX/XX/XXXX : from : Betterment Support XXXX reply-to : Betterment Support XXXX date : XX/XX/XXXX, 9:58 AM Betterment Welcome, XXXX! 
Your financial future now shines brightly. 
Let 's start by helping you get the most out of your Betterment account. Here is your progress : Congratulations on funding We're excited to start helping you earn more with Betterment Cash Reserve.

Turn on Two-Way Sweep Two-Way Sweep automates our advice on your extra cash by seamlessly transferring your cash back and forth between your linked checking account and your Betterment Cash Reserve. 

I received an email that the deposit was completed on XX/XX/XXXX. See email text below : from : Betterment Support XXXX reply-to : Betterment Support XXXX date : XX/XX/XXXX, XXXX XXXX  subject : A deposit to Cash Reserve is complete Betterment A deposit to Cash Reserve is complete From : XXXX XXXX XXXX XXXX Checking XXXX To : XXXX XXXX XXXX XXXX Personal Account Deposit amount : {$10.00} I have yet to receive any credit from XXXX after contacting support numerous times. They are working with Betterment to confirm the offer was met and I don't understand why it is taking so long since the terms say cash back should be credited " tomorrow. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I lost my job and immediately completed an Income Based Repayment request showing XXXX  income. I received an email from Navient, my federal loan servicer, stating that my payment would be {$0.00} beginning on XX/XX/XXXX. Upon logging into my Navient account online, they showed a balance of {$7.00} due XX/XX/XXXX.

I called customer service and spoke to a representative by the name of XXXX who said that the {$7.00} charge stems from a late fee. I show no record of ever making a payment late, so I asked when the fee was assessed and for the amount. He said that the fee was assess XX/XX/XXXX. I explained to him per what I was seeing on Navient 's website that a XX/XX/XXXX payment was made timely. After 45 minutes of being placed on hold, XXXX  came back to the line and then said that the fee was assessed by a previous loan servicer -- not by Navient. Again, I asked when the fee was assessed and the total charge of the fee. He placed me on hold for an additional ten minutes and came back to the line stating that he didn't have the information since it came from a previous servicer.

I asked to be transferred to a supervisor. After a 15 minute hold, I was transferred to XXXX, a Navient customer service supervisor. She said that XXXX   charged the fee ( I do not recall XXXX  ever servicing my loans ). Again, I asked when the fee was charge and for the amount. She could provide no information, and said instead that the " back office '' of Navient would have to investigate this further and get back to me. She indicated that Navient took over my loans in XX/XX/XXXX so this fee stems from some time before XX/XX/XXXX. It's now XX/XX/XXXX. I never recall being late on a payment. And now I find out that I've been paying a late fee for 7+ years that I never knew about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent a letter to Transunion and XXXX  requesting validation of debts and derogatory marks being reported to my credit. As of XX/XX/2021 I have not received any form of validation. This is against the Fair credit reporting act law stating agencies have a 30 day window to provide validation. The following accounts and inquiries were listed. 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 explanation
Consumer complaint received 2018-05-04
Company: Credit Collections U.S.A., L.L.C.
State: WV
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 disputed this account with each of the 3 credit bureaus and the only response I got was a statement added to the account stating that I disputed it. I have submitted a compliant to you in regards to this and the company responded that I disputed the claim with their office on XX/XX/XXXX which is true however to date I have no verification that this is my account. I have NEVER seen this physician and have contacted Credit Collections and the credit bureaus numerous times and am getting no where. This account needs to be removed from my record with all 3 credit reporting agencies.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: MO
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:
Just disputed this and was changed on XXXX and the info is still inncorrect this item has been reported wrong several times all the errors has caused more damage to my credit report and scores than it should i have the contract that states 72 month terms its showing 75 another 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 2021-02-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called Equifax today to temporarily lift the freeze on my credit profile so I can open a new bank account. Their automated phone system denied me access, and then their XXXX call center refused to help. I have the 10-digit PIN issued to me at the time of the freeze, but that is no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Grant & Weber
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
CONTINUING TO CALL ME AFTER HAVING BEEN SERVED A CEASE AND DESIST LETTER PURSUANT WITH THE FDCPA.

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 2018-07-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2018 I mailed via the US Postal Service the requuired documentation to Equifax. I provided a copy of my drivers license, a copy of my passport, a copy of a cable bill and a copy of my electric bill in an effort for them to send me a new code to unfreeze my Equifax account. All the informnation had the mailing address where I currently reside The information was sent by first class mail to their XXXX, GA post office box. Accounting for the time in transit and the weekend they should have received it by XX/XX/2018. 

According to their website once they receive the information I should receive a new coder within 10 business days. As of XX/XX/2018 I have yet to receive a code from them to unfreeze my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
How could you report this account accurate? If it already has been deleted from the other. If they cant validate it. How can you validate this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a single mother, I attempted to finance a home for me and my family and I could not because of my credit. That made me want to check my credit report and i saw a lot of fraudulent items i did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Yes, I am a victim of a mistake by XXXX XXXX XXXX XXXX. They made a mistake on my case by explaining how their arrears dates work. I was under the clear impression that I was only one month behind on Child Support because I made my payment on XX/XX/2018. However, it was never explained to me that if the payment does not get into their system by the first of the month, it automatically goes into arrears! 
It takes my XXXX XXXX autopay about 4-5 days to go through their system. They went ahead rudely and illegally submitted my case to collections which hit my credit report- lowering it and causing a huge problem now with getting the collection off. I immediately called them and put thebalance on my credit card and paid them up in full but now I have a mistake on my credit report! I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2021. I sent a letters regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. This neglect has tarnished my reputation I take this neglect as harassment I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately of I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Colony Brands, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been calling XXXX Since XX/XX/2017. I have waited for them to credit my account since they have been informing me that they will. I have yet to see the credit that would result in a refund. The company also indicated that establishing payment with them would be reported to the credit agencies. I have not seen a report or have seen my refund that would result in a credit or credit that would result in a refund. I keep getting transferred to the incorrect department that tells me that I should take it up with the postal department and stop calling them. Will someone please assist me these are unfair and deceptive business practices. These and other external factors have caused lack of sleep stimulated my flare ups and I have a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I would like to exercise my consumer rights to privacy 15usc 1692 ( a ) you have shown time and time again that your company is willing to violate consumers at all cost to help benefit whomever to help violate me further from obtaining consumer products.

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 2021-02-26
Company: CMRE Financial Services, Inc.
State: TX
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:
To my knowledge, I do not remember receiving any validation from this company. If XXXX can not validate this information this account needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Huntington Bank, XXXX, OH I have a long standing loan for mortgage that last month I tried to pay off in full. I went to my local Huntington Bank branch in person asking for a payoff amount good for that day/date. Teller advised me it was my monthly payment amount - once paid - it would satisfy my mortgage and a mortgage satisfaction would be filed by the bank. Last week I received an invoice for the loan in the mail from Huntington Bank stating I owed {$1.00}. I went into the same Huntington Bank branch ( XXXX, PA office ) where the teller said that she would give a copy of the invoice to her manager and that I did not need to pay anything. After that visit today, I call XXXX ( loan manager ) at the XXXX, PA office where I was directed into voicemail. I was told to call XXXX via Huntington Bank 's XXXX customer service number. XXXX XXXX voicemail stated that the system was not operational so message could not be left. As I need to have this real estate shown as free and clear - I need the mortgage satisfaction filed ASAP.

Company response to consumer: Closed with explanation