BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I called the debt collection agency ( Professional Collections Bureau of Maryland ) on XX/XX/XXXX to make an offer to settle my debt. I gave them my available hours and asked them not to call me during work. I attempted to contact them and negotiate on XX/XX/XXXX, XXXX, and XXXX I did not receive a counter offer or payment options at any of these days. On XX/XX/XXXX the agency attempted to call me during my work hours. On XX/XX/XXXX I returned the call in order let the agency know that they called during my work when I had requested that they do not call and tell them when I would call them again. Later on XX/XX/XXXX the agency again attempted to call me during my work hours. Today, XX/XX/XXXX I called the agency again and received the first counter offer which was greater than the initial borrowed amount. I called a second time on XX/XX/XXXX to discuss a payment plan during this conversation they discussed the additional fees that they would charge during this process and refuse to give me an acceptable minimum regular payment without information on my income ( My current contract of employment expires this month and I do not have regular income going forward ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: I.C. System, Inc.
State: GA
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:
On XX/XX/XXXX I filed a dispute through both XXXX and XXXX  for the debt collections company IC systems. I have never had any contact with this business or company nor the company they are collecting for which is XXXX. I have never owned an account or done any business with companies. I do not understand why this fraud claim is being reported on my credit report and it needs to be removed immediately for hurting my credit score and being 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 explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: OH
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 had a student loan with XXXX ( XXXX XXXX University ) that was in collections but recently paid in full but Experian credit bureau is giving me the run around about updating the status to paid in full. They asked me to upload the paid in full letter to their website but their upload website have not been working. The contact person at XXXX even mailed them the PIF letter and they are still giving me a hard time. I even called on several times and gets no help. I am fed up with the situation because I've done everything asked of me but still they are not reporting the correct information. this is hindering me from getting my family into a better living situation. Attached is a copy of the paid in full letter from the contact person at 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 2020-10-21
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan has been sold many times over the last 15 plus years. For a few of those years Specialized Loan Servicing owned the mortgage loan and they never paid the property taxes out of our escrow account. XX/XX/2019 another loan servicing company took over the loan. So now XXXX XXXX XXXX XXXX has our loan. Both companies are refusing to pay the back taxes owed. I have contacted Specialized Loan Servicing back in 2019 and they said it's not their problem as our loan was being packaged out to another servicer and that it was not their problem anymore to pay it. They said we were responsible for this now. We did what we were supposed to do, we paid the payment. But Specialized Loan Servicing did not do what they were supposed to do and pay the property taxes. The county is about to put our house up for auction due to non payment of property taxes. Both loan servicers have been contacted about this. Specialized Loan Servicing was contacted via certified letter in XXXX of 2019 via the advice of a local attorney.

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 2021-01-25
Company: Colony Brands, 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: Account status incorrect

Complaint:
XXXX XXXX-opened and account with Ginnys. XX/XX/2020 I attempted to make a purchase from Ginnys. They immediately started new account triggering a hard inquiry. I asked why and they stated it was the policy to open a new account for each purchase to see if i'm qualify. I asked why since the money was already available in my account for the purchase and I was not asking for more. I then requested that the hard inquiry be removed from my credit report. I made more than 3 calls regarding this matter and was then told it will be removed from my account in 30 days. I have made several calls since and it is still there. The only thing closed was my original account and they transferred my balance to the new account that they made. I have since closed my account with them and making my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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 send a copy of the police report for Identity thief. The account in question is still be reported on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Capital Accounts, LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent a letter of debt validation to this company to validate the accused debt. This company has failed to validate this debt as requested within 30 days of receipt request. Therefore I have attached a copy of the proof of delivery by the USPS in record that they did receive the request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: TIDEWATER FINANCE COMPANY, 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: Account information incorrect

Complaint:
I received an alert from XXXX on XXXX XXXX, XXXX that XXXX XXXX XXXX has reported that I now owed them {$17000.00}. I was confused. I quickly contacted XXXX XXXX XXXX customer service and ask them what is the current amount I owe on the loan. The customer service rep advise that I only owe {$2500.00}. I told her that they had reported to XXXX that I owed $ XXXX. She was well there is nothing we can do about that you will need to file a complaint. I was like that does't make sense there is no other department that I can talk to about the error. She said no. She told me to file a complaint. So that is what I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a checking, savings, and CD account with Citibank. The combined balance of all my accounts are quite substantial. However, a few days ago, when I deposited a large check ( a settlement I received from my old employer ), Citbank blocked all my accounts as '' fraud '' and prevented me from accessing my money ( even my old money ). The payer showed that Citi had gotten the payment from them ( the check is clear ). However, Citi still tells me there is a problem with the payment - as they can not get the check clear, and they would need 3 weeks to review my account. They said they called the payer to verify the check. Payer told me everyone was working remotely so noone was in the office to answer call. However, they gave me proof that Citi had the funds. It is considered fraud that Citibank keeps ownership of all my money.

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 2017-12-19
Company: Collection Information Bureau, Inc.
State: FL
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 recently found a collection from you on my credit report. Under my rights under the Fair Debt Collection Practices Act, I am requesting that you validate the alleged debt with the creditor and balance listed below : Medical Facility : XXXX XXXX XXXX XXXX Balance : {$37.00} Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to the above medical provider to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: National Management Recovery Corp. (NMRC)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by phone to call a debt collector or future legal action would be taken. I called them but they refused to notify my in writing about this debt such as amount owed. I also disputed the debt with them. They are refusing to contact me in writing and will not call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX saying I owe XXXX XXXX XXXX. I informed them that I do not owe this and that the account does n't belong to me. The rep yelled at me saying that it does and I needed to pay and used foul language. The debt was posted to my credit and I disputed it woth the credit bureaus and XXXX XXXX and it was removed.Now i have received another letter today XX/XX/XXXX dated XX/XX/XXXX from a different company diversified consultants which is a completly different cpmpany saying I pwe this debt of XXXX. I informed them it was disputed before and removed but theu say i owe please help me with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: Conn's, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment. 

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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Colony Brands, Inc.
State: MA
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:
XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX, WI XXXX insists that I had a revolving account with them that went unpaid and has filed a negative credit report despite my numerous calls to them to explain that I have never, ever had a XXXX XXXX XXXX credit card. These people don't listen. I was a victim of identity theft years ago by a person I was temporarily helping out with housing and this debt was apparently part of that. In addition, I had just had a XXXX XXXX   XXXX before the dates mentioned and had no reason to purchase clothing because I didn't go anywhere for nearly a year afterwards. 
I have asked that XXXX XXXX XXXX produce a document with my signature or other agreement proving that I applied for credit with them but they have thus far been unable or unwilling to provide it. The irony is that this is a clothing store with clothes made primarily from synthetic fabrics to which I am allergic. I am able to wear only natural fiber clothing such as cotton and linen. They do not have clothing I could or would wear.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was hit by the pandemic like everyone else, we all was caught off guard. I even notified the company that my XXXX XXXX payment would be late and i was told it would be ok without any penalties due to the pandemic, so im asking for a good cause forgiveness as told to me. 

Im requesting that XXXX XXXX XXXX, removed the late payment ( XX/XX/2020 ) thats on my credit file.

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 2021-04-28
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: Public record information inaccurate

Complaint:
Since 2020 Ive been disputing these incorrect bankruptcies reporting on my credit reports. Its unconstitutional that the people who protect and serve this country get treated like this. These inaccuracies are destroying my credit and keeping me from doing the simplest things to provide for my family. I have been going back and fourth with the bureaus since early 2020 I have asked courthouses do they share information with the credit bureaus they told me NO, Ive disputed with XXXX stating that the information is inaccurate which in return they were deleted from XXXX. I have sent these corespondents to the bureaus and in return they keep telling me the information is verified with no supporting documentation to show. Either way the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. C. 1681l ) and the information must be deleted immediately!!!

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 2020-11-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
on XX/XX/2020 i Contacted XXXX, Equifax, And XXXX  about inaccurate information reporting to my credit report. According to the fair Credit Reporting Act section 609 this companies are required to verify information being reported on my credit report. On XX/XX/2020 i followed up with the bureaus because i Didn't get a response. Today is now XX/XX/2020 and i still have not received a response. I have been waiting for well Over 60 days this a a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
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 status incorrect

Complaint:
After taking a look into my credit report for any errors that may have occurred. I found an account thats payment history was inaccurate and reporting inconsistently throughout all three bureaus. I later found out that this was a violation of the FCRA.

As you can see this account was reported as a charge off that was being shown as " CO '' charged off on one bureau ( XXXX  ) Then showing payments as " OK '' paid as agreed on another bureau ( Equifax ) Then  Showing Zero Payment History For ( XXXX  ) Shown In The Attachments Is My Credit Report Showing The Inaccuracies And From Which Bureau. Also, Included Letter Sent To Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank insistently marketed to me their citigold account : the offer involved opening a checking account, plus investment accounts holding $ XXXX or more to receive a bonus of {$1500.00} after 60 days plus a XXXX enhancement in the cashback bonus I already enjoyed with my Citi Mastercard. 
I held the accounts ( checking and investment ) with over $ XXXX from XX/XX/XXXX, and at XX/XX/XXXX I requested my benefits. 
The chat feature in the website responded they couldn't do that and I had to call a phone number. 
I called the phone number and they had me waiting on hold for 20+ minutes, during which I could not do anything else, because the " music on hold '' consisted of a distracting drone repeating every 10 seconds that I should be doing this online. 
Finally, an attendant responded and as soon as I explained my request, the call was dropped. 
I can't know for certain that this was intentional, but I do know for certain that the bank didn't call me back, and the bank didn't credit the promised rewards during the following few days. 
Not having another 20 minutes to spare, I have not attempted the maneuver again : today I closed the accounts. Still, I had earned the {$1500.00} and citibank failed to honor their marketing promise.

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 2019-02-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2018 Equifax received my certified mail ( XXXX ) asking to investigate and resolve errors in my credit report. 

XXXX reporting a past due balancr of XXXX in a collection which is a Violation to the Law. The answer from Equifax was " validation '' and " updated '' infotmation. 

XXXX XXXX reporting a past due balance in a collection account and again same result as " validate '' or " uodated '' information. 

XXXX XXXX XXXX reporting " 1 month term '' and " open account ''. The answer from Equifax was " updated '' and keep reporting same error. 

Attached in this complaint are screenshots as proof from Equifax showing the " past due balance '' in collection accounts which again is a violation of the federal law and must be removed from my credit report. 

By default a collection account is past due so XXXX is allowing to report accounts to hurt my credit and providing the same violation in writing after their investigation. 

Equifax just ignored my request and sent me back the same information without taking the time to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My vehicle was taken from me by Westlake Financial. I have never missed a payment. It's now at auction in XXXX, 3 hrs from my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a monthly credit card payment as I usually do on XX/XX/XXXX from my Bank of America checking account to my Bank of America credit card for {$5200.00}. On XX/XX/XXXX I noticed Bank of America had refunded this payment and my credit card balance was reset back higher by {$5200.00}. On XX/XX/XXXX I called the bank and notified them that this was not a payment refund I ( or any of my authorized users ) requested and that this was likely fraud. On XX/XX/XXXX I received a letter that Bank America had gone ahead with the refund anyway and they refunded the money to a bank account I had never heard of rather than the original payment source. Since then I have contacted Bank of America over 50 times, spoken to numerous groups and associates within the company, and been on hold for hours, reputedly transferred in circles, and getting hung up on on numerous occasions trying to get the right person to talk to in order to address the issue. No one wants to take accountability or help me get to the bottom of the issue despite this clearly being an error on Bank of America 's part. I have gotten no updates since on either the investigation or where the money went. It has now been 11 days since the fraudulent transaction was reported to the company and I am still missing the {$5200.00} Bank of America allowed to be stolen out of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation