BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM VICTIM OF IDENTITY THEFT, I PLEA IS TO HAVE THIS FRAUDULENT XXXX  XXXX XXXX ACCOUNT REMOVED FROM MY CREDIT REPORT. THE ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE CHARGES AND THE PAYMENTS MADE ARE NOT DONE BY ME. I HAVE NEVER REQUESTED THIS ACCOUNT TO BE OPENED. THIS ACCOUNT CURRENTLY IS CLOSED WITH A XXXX BALANCE,, NEVER THE LESS THIS IS A FRAUDULENT ACCOUNT AND ITS 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 2020-11-20
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX AGREED TO REMOVE THIS COLLECTION FROM ALL CREDIT BUREAUS IF I PAID IN FULL WHICH I DID AND THEY HAVE NOT REMOVED IT FROM XXXX XXXX OR XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I follow citi bank web off link step by step open citi bank XXXX account deposit more then XXXX XXXX dollar. within 5 month I call customer service they always say I am qualify. now after 5 month they say my code is no qualify. I never put code when I open account. I just follow link to open account. I didn't know code. now they don't pay XXXX bonus.

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 2020-10-30
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have tried on several occasions to get my mortgage company to report my payment to credit bureaus they have not reported payments since XX/XX/2020. They are not reporting on purpose because I am trying to refinance

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 2020-05-19
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: Information belongs to someone else

Complaint:
I AM VICTIM OF IDENTITY THEFT, I PLEA IS TO HAVE THIS FRAUDULENT XXXX  XXXX XXXX ACCOUNT REMOVED FROM MY CREDIT REPORT. THE ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE CHARGES AND THE PAYMENTS MADE ARE NOT DONE BY ME. I HAVE NEVER REQUESTED THIS ACCOUNT TO BE OPENED. THIS ACCOUNT CURRENTLY IS CLOSED WITH A XXXX BALANCE,, NEVER THE LESS THIS IS A FRAUDULENT ACCOUNT AND ITS NOT MINE,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In my conversation with XXXX on XXXX XXXX, 2017 and requested a payoff amount valid for up to thirty ( 30 ) days and I still have not received it, therefore, I am formally requesting a payoff quote be fax to my attention at ( XXXX ) XXXX. In addition, please send to me via the same methodology via facsimile to ( XXXX ) XXXX the complete payment history of all payments made on this loan from its inception ( beginning ) until the date you signed for this Certified Letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: National Business Factors
State: RI
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 have disputed this account and have reached out to the company/creditors MANY times but still I see no changes. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Credit Collections U.S.A., L.L.C.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have made several attempts via USPS, for Consumer Collection USA to provide evidence that the account belongs to me. Requested that they show proof of signature or any Contractual obligation to Pay  this company, to wit they have not responded to either letter I have sent. The first letter was sent on XX/XX/20 and was received by receptionist XX/XX/20 at approx. XXXX. The second letter was sent on XX/XX/20 and was received by receptionist on XX/XX/20 at approx. 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 2022-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX my club was hosting charity giveaway to Women with children that were having financial hardships. XXXX XXXX sent me {$2500.00} to my XXXX XXXX that in turn went into my Bank of America account ending in XXXX. I started sending the cash payments to the women ranging from $ XXXX {$1000.00}. After the first 5 successful payments sent, my card was declined from Bank of America. I called into the bank and spoke with the fraud department and risk management informing them, that I was the one using my debit card ending in XXXX and it was not fraud, each time I called ( 9 times ) confirming that it was me and verifying the payments I had already sent, Bank of America froze my account. When I called in the next day, they informed me that my bank account was being closed, this was on XX/XX/XXXX. The fraud department could not give me an explanation and would not give me the funds. I called on XX/XX/XXXX and I was informed by the representative that there was confirmed fraud that I was aware of with the {$2500.00} that was sent by XXXX XXXX, I in turned conferenced in XXXX XXXX and the Representative changed his veribage and stated that it was still being investigated, which was not what the Representative told me, the call was recorded. On XX/XX/XXXX XXXX deposits from my employer XXXX XXXX  of {$5100.00} and {$7100.00}, Bank of America will not allow me to receive my payments from my employer. I'm type XXXX XXXX and XXXX, i take medications daily to live. I informed the bank of this and also informed the bank that all of my bills are do. They will not release my money. They are deciding to end the relationship, that is fine. But they have not right to keep me from paying for my medications or paying my bills making me late on my Mortgage and others bills. I feel because I'm XXXX American they treating me unfairly and are discriminating against me and trying to destroy my good name. Please have the release my funds to me ASAP. I can not wait until 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 2020-05-19
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
XXXX : Citibank Joint Checking Account - Line of Credit Account # XXXX My husband and I opened this joint account in XXXX. 

In XX/XX/XXXX, I noticed on my credit report that this account was reported negatively as " Charge off '' in the amount of {$18.00} Neither my husband, nor I had not received any notices, bills, documents or any correspondence from Citibank regarding this. 

In XX/XX/XXXX, I called Citibank and eventually was connected to the Recovery Dept at ( XXXX ) XXXX. The representative informed m that Citibank had the wrong address on file and that they had been mailing all correspondence to the wrong address at XXXX XXXX XXXX XXXX, Washington DC XXXX. 

My husband and I have not lived at that address for years!!! 

SInce my husband and I had not received any correspondence regarding this issue, we were not even aware that there was a problem until I saw it on my credit report. SInce we were not aware of any issues, there is nothing that we could have done. The Citibank representative told me to fax my concern to 2 different departments : the " Credit Reporting Disputes '' at ( XXXX ) XXXX and to " Billing Disputes '' at ( XXXX ) XXXX. I asked the representative if I could pay this amount right there and then, but the representative stated this was not an option since the account was in " charge off '' status. I asked what I could do to resolve the issue. Once again, the representative told to fax my concern and requests to those 2 departments. 

On XX/XX/XXXX, I faxed a letter to both of these departments, asking them for a resolution. I asked them to remove the negative credit information, and change the account to good standing. 

I received no responses to this faxes. 

A a consequence, I hired XXXX XXXX to correct this problem in XX/XX/XXXX. XXXX XXXX sent several letters to Citibank asking them to correct this. Citibank has not corrected the problem. Citibank has never offered me an opportunity to resolve the problem.

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 2020-10-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted company on numerous occasions as to the fact they are reporting 2 accounts to the credit bureaus when in fact I only have one account with them. This error STILL REMAINS on my Equifax report. 

This is fraud and libel as they are inflating my debt to income ration as wells affecting my overall credit profile which reflects negatively on my overall credit health. 
Additionally, they are not updating payment and balance information on the one REAL account. 

They had promised resolution 2 months ago and data was in fact remove from my XXXX  report but remains on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Source Receivables Management LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter in XX/XX/XXXX from Source Receivables Management to pay them for an alleged debt owed to XXXX. I have no direct contract with Source Receivables Management and sent them a letter on XX/XX/XXXX asking for validation including a copy of the agreement that grants them the authority to collect this, any insurance claims that may have been made by the creditor, verification that this alleged debt was assigned or sold to the collector, and any commission they may receive. I received copies of old XXXX contracts and a copy of an old statement but none of these other items. 
I sent a follow up letter on XX/XX/XXXX stating they did not provide all the requested documentation and need to cease and desist collection efforts including reporting since it had not been reported or completely validated and no longer communicate with me or send mail about this alleged unvalidated debt. 
Since then I received a letter asking for payment on this alleged debt. 
Finally on XX/XX/XXXX I received notification that this has now been listed as a negative report on my credit report. 
Copies of both letters attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRIAD FINANCIAL SERVICES, 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 have contacted company on numerous occasions as to the fact they are reporting 2 accounts to the credit bureaus when in fact I only have one account with them. This error STILL REMAINS on my XXXX  report. 

This is fraud and libel as they are inflating my debt to income ration as wells affecting my overall credit profile which reflects negatively on my overall credit health. 
Additionally, they are not updating payment and balance information on the one REAL account. 

They had promised resolution 2 months ago and data was in fact remove from my XXXX  report but remains on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off 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 explanation
Consumer complaint received 2020-10-30
Company: Amsher Collection Services, Inc.
State: MA
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 have disputed this account and have reached out to the company/creditors MANY times but failed and see no changes. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This is not a duplicate item. Nor was the last case submitted to you all. Any further attempts to not submit the requested information will result in legal action. Several collection agencies have contacted me stating that your company sold them debts for all closed accounts with XXXX XXXX. I believe that I am victim of undue harassments. In accordance with the FCRA and FDCA, please send the following : -A list of fees that were charged to the account -when the accounts were closed -Who did XXXX XXXX sell the debt to and when was it sold. -Does XXXX XXXX or XXXX XXXX XXXX have any interest in the debt and if so please provide any contact information on who to contact to settle any balances that may be due

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 2020-11-20
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
XXXX XX/XX/2020 An unsolicited USBankReliaCard was mailed to me at an address I have not lived at for four years. The card was forwarded to me by the current resident at that address. The card is supposedly for receipt of unemployment benefits from the Colorado  Dept of Labor and Employment ( CDLE ). I am retired. I am not employed. I am not unemployed. I did not file for benefits. I have not lived in Colorado for four years. I have not been employed in Colorado for many more years than four. I believe this an attempt at fraud or identity theft. I have attempted to contact USBank ReliaCard to deactivate the card, but can not get anyone to answer the phone. I have notified the three credit reporting agencies of this potential fraud activity. I have filed a fraud report with the CDLE. I have attempted to file a report with the FTC and have been directed to this bureau. I plan to file a police report.

Please notify me if there is something additional I can do to stop this fraudulent activity.

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 2022-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
account was obtained by someone who used my identity, please remove this account from all credit reporting agencies and all negative remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Date : XXXX|15 Amount : XXXX XXXX XXXX XXXX XXXX violated my consumer rights according to the Fair Debt Collection Practices Act. The two sections they violated are 15 U.S. Code 1692e - False or misleading representations and 15 U.S. Code 1692f - Unfair practices. 

They served me a summons with the WRONG NAME which is misleading and false. It is also an unfair practice collect a debt! I have taken them to court to get it removed. Because i was a co-signer, and my brother filed for bankruptcy, the judge stated it was out of her courts jurisdiction. 
Can you please help me remove this due to the fact they violated some Fair Debt Collection Practices?

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 2020-09-07
Company: EQUIFAX, INC.
State: WA
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:
Complaint is with Equifax. 

Seven hard inquiries continue to be reported on my credit report. I have sent several letters including a fraud report confirmation number, Fraud report of identity theft, and Equifax information breach report to Equifax  requesting removal of the following fraudulent hard inquiries from. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went in on XX/XX/XXXX to make my mortgage payment through the online payment system for LoanCare , LLC and they blocked out that date not allowing me to make a payment and blocked out the XXXX, and XXXX so I couldn't make a payment and they start charging charging a {$5.00} fee and when trying to call them on Monday to get this fee waived and all number I called sent me to an automated system. I was not able to get a live person on the phone. I don't see how it is legal to start charging a fee when when they go in and block dates keeping you from making your payment. The folks in other departments are not able to hook you up to a live person in the mortgage department. This company needs to be investigated for extortion by blocking dates so you can't make a payment until their fee kicks in. At {$5.00} a person and they have 1000 people that try to make a payment between the XXXX  and XXXX  so they can charge their fee is an extra is an extra {$5000.00} of extortion money. If you have any questions or need anything further please do not hesitate to contact me. Know that I DID NOT take a mortgage out with this company, my mortgage was sold to them so this company is not a company I chose or would have ever chose as I do not feel they are a responsible respectable company. They're crooks at a company that they don't give you a phone number to reach an actual customer service person. Know that I also have a paper trail to prove that I went in on XX/XX/XXXX to make a payment as well as sent them an email to every email address I could find dated XX/XX/XXXX. I went ahead and put a check in the mail today to avoid their {$5.00}

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