BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-06
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2021 I received a car insurance renewal letter from my XXXX agent, XXXX XXXX. I sent an email to XXXX advising her that I didn't plan to renew. XXXX collects payments a month in advance, which meant I did not owe for the month of XXXX. XXXX sent me a billing invoice in spite of our cancellation correspondence, for {$220.00}. I contacted XXXX once again and she advised she needed my new auto insurance policy in order to cancel my account. I forwarded XXXX the requested information via email. However, in XX/XX/2021 I received another bill for {$220.00}. 

I then contacted the XXXX consumer services department, the representative who assisted me was XXXX, XXXX. XXXX advised that she would address the matter. In XX/XX/2021 I received an email from XXXX advising me that the investigation was completed and my account would be updated accordingly. Shortly after receiving that email and within the same month I received a collections letter from Credit Collection Services ( CCS ) for {$120.00}, less {$100.00} of the originally reported XXXX balance. I contacted CCS immediately and advised them of the aforementioned. I informed them that the account balance was inaccurate and would soon reflect a {$0.00} balance. The representative with CCS advised me that my account would be placed " on hold '' until further investigation. I forwarded them supporting documentation which included my email correspondence with XXXX. 

I continued to receive collections letters in XXXX and XXXX. In XX/XX/2021 I received a letter from CCS advising that the balance due was valid. I attempted to reach out to XXXX more than XXXX times via email and phone, but she never returned my calls or responded to my emails. I contacted the office of my XXXX agent and the representative that assisted me advised that there was nothing they could do to assist me once the account has been transferred to collections. I questioned the policies and standards that stated an account with an active dispute could be sent to collections without notifying the consumer. The representative did not respond. 

To avoid damage to my credit, considering the unwillingness of XXXX to adequately address this matter, I paid CCS {$120.00}, the amount of the alleged debt. This month CCS sent my account to XXXX, XXXX, and XXXX, which they advised me they would not do. To add, they reported that the debt had been outstanding since XX/XX/2021. This action appears malicious, biased, and a complete violation of my consumer rights.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-02-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
I received a Notice of Garnishment from my employer on XXXX XXXX from Midland Credit Management . I wasn't told the amount that would be garnished. As of XX/XX/2022, they have started granishing my wages. I feel its unfair from a Third party. The amount that is garnished is to high.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
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:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. 
Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-02-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from 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 non-monetary relief
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called on XX/XX/XXXX  to Synchrony Ashley in regards to my account being closed for my Mortgage not being paid. I was told that they couldnt open my account because it was reported closed by the credit bureau. I told them that I paid and that I was XXXX XXXX military and this account shouldnt have been closed because I paid and they said that it not nothing they could do to help me. I also told them that I was charged extra interest on my account which caused this account to over the limit and they told they would look into doing the Service Civil Relief Act for me. The problem is the account was closed inappropriately and it has caused problems with my credit and I need someone to fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
Have requested correction on late payments and it has not happened.

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 2019-05-06
Company: Waypoint Resource Group, LLC
State: CO
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 requested review of a past statute erroneous debt reported to XXXX   on XX/XX/XXXX. I had already reported this file to the other reporting bureaus and had the report successfully removed from my credit reports. I stated this debt was from XX/XX/XXXX and is past statute. However, the reporting agency simply updated the report to show the same dates as before and that the debt belonged to me. 

I again disputed the result by submitting images of my actual XXXX   bill and other debt collector statement claiming the same debt owed predating the date provided by Waypoint. No notification was sent to inform me that the review was complete. No changed were made by XXXX they simply continue to say the debt is verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: STERLING JEWELERS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Kay Jewelers and XXXX XXXX XXXX has/have reported to the credit reporting agencies that I have bad debt ( {$850.00} ) or bankruptcy XXXX  XXXX. This KAY Jewelers charge card account was opened in XX/XX/XXXX. Kay Jewelers are reporting that the debt was discharged in XXXX XXXXXXXX. Any XXXX XXXXXXXX ever filed using my name was dismissed in XXXX. KAY Jewelers is also reporting that it was charged off in XXXX. I reside in the state of Georgia. The statute of limitation has expired for any debt collection in reference to this KAY jeweler account. kay JEWELERS SOLD MY ACCOUNT TO XXXX WITH PERMISSION have disputed this with XXXX, XXXX, and XXXX XXXX reporting agencies on more than one occasion. XXXX XXXX removed this account but KAY JEWELERS still reporting and needs to remove the entry and complete account and line entry from my credit profile immediately. I have contacted all parties involved and filed disputes. I am prepared to take legal action and complaints to XXXX and FTC. THESE COMPANIES ARE IN violation OF THE FAIR CREDIT REPORTING ACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Mr. Cooper Group Inc.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Today 's Date : XX/XX/XXXX : XXXX  XXXX : Nationstar aka Mr. Cooper. Type of loan : XXXX XXXX XXXX XXXX. My Covid-19 forbearance started on XX/XX/XXXX and ended on XX/XX/XXXX. On XX/XX/XXXX, Mr. Cooper assigned a dedicated loan specialist to help me through the process of getting back on track. I have never heard from nor am I able to contact this individual. At the end of the forbearance period, Mr. Cooper wanted all the money back instead of putting it to the end of the loan. On XX/XX/XXXX, I applied for a loan modification. On XX/XX/XXXX, Mr. Cooper declined it. On XX/XX/XXXX, I submitted an appeal letter. On XX/XX/XXXX, Mr. Cooper sent a letter admitting to making a mistake and that on XX/XX/XXXX put me back into underwriting for a standard modification and placed it in referral status. On XX/XX/XXXX, I called Mr. Cooper and asked that this get escalated. I was told that it was escalated and someone would call. Nobody, not even my dedicated loan specialist has reached out to me. When I call Mr. Cooper, I get someone different each time ( they will not transfer me to my loan specialist ) and I get told something that is inconsistent with what I was told previously. XX/XX/XXXX, my account is still in underwriting ( since XX/XX/XXXX ) while the amount due continues to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For XXXX, XXXX, and XX/XX/2020 XXXX  XXXX XXXX reported that payment had not been received for a credit card account and that an outstanding balance remained. I had sold my home a few months earlier and had a high balance on this account for which I made a lump sum payment to XXXX  XXXX XXXX around XX/XX/2020. Upon making this payment over the phone I was under the impression the account was satisfied and paid in full, but unfortunately there was interest still remaining. I did not have a new place yet so therefore no new permanent address. Mail forwarding had ceased so I did not receive the final statement with the remaining balance of interest due. It was an oversight that was not realized until I received an email from Experian stating my credit score had decreased by over 100 points. It was then I realized the unpaid balance from XXXX  XXXX XXXX for which I contacted and paid immediately. Unfortunately, it was too late and the credit score had suffered drastically. From about XXXX to XXXX currently. I contacted XXXX XXXX XXXX, and at first they claimed they could do nothing, but a few months later second phone call proved worthy, as the agent assured me it would be handled. It was handled and a letter was sent to Experian and myself stating the inquiry be removed. After 90 days, there was still no change/adjustment to my report so I opened a dispute with Experian but still no change. Experian chose to disregard XXXX  XXXX XXXX 's letter. This was an honest oversight on my part and XXXX  XXXX XXXX saw it that way thus their letter " to remove the inquiry on XXXX XXXX. '' Unfortunately, Experian is refusing to remove this inquiry and the new credit score of XXXX is making it difficult for me to purchase another home. XXXX XXXX recently ran a routine credit check and because of the current score, increased all interest rates on my personal and business accounts. I hope the CFPB can help get my credit score back to the level I've worked my entire life to achieve. The 3 late payments are really weighing down on my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Back in XX/XX/2022 the company My BJs Perks World Mastercard though Comenity Capital Bank. Had some issue with an update their company did and I had some fraud charges on my account. 

Also Because of the update they were not able to send me a replacement card. 

Eventually I got the fraudulent charges fixed and asked them to fix my credit report but that did not happen then around XXXX they were completely taken off my credit report which hurt my score over XXXX points. 

I tried to apply for a new card and got denied because It showed I still had credit with them which I still have not received a new card. 

They hurt my credit and caused a lot of stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/22, I received a letter from Target dated XX/XX/22 that an application for a credit card from their store was denied- I did not apply for a Target credit card. I called the number listed on the letter ( XXXX ) and gave them the application ID on the letter ( XXXX ). Their representative looked up the application and someone applied for a Target credit card online on XX/XX/22 using my name and address but using a different phone number, driver 's license, and email. The email address they used was XXXX, the last XXXX digits of their phone number listed was XXXX, and the last XXXX digits of their driver 's license listed was XXXX. None of that is my information except they used my actual name and address. Target said they will put a fraud alert on this application and suggested I visit the identifytheft.gov website and follow the steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, Trans Union, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, Trans Union, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, Trans Union, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If XXXX, Trans Union, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, Trans Union, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i sent a letter to Experian to dispute incorrect personal information back on XX/XX/XXXX  but have yet to receive any knowledget that my dispute was being processed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Chime Financial Inc
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX, I disputed a transaction for XXXX made on XX/XX/XXXX by XXXX ( reference number XXXX ). This dispute remains unresolved. In XX/XX/XXXX, I called the bank 4 times, roughly a week between each call, asking for an update on the claim. Each time I was told a request was submitted for the dispute department to contact me within 3-4 business days. At no point has anyone from the bank contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: The Bureaus, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted all three credit Bureau, XXXX XXXX, XXXX and The Bureau to get this resolved since XX/XX/XXXX. XXXX credit agencies are reporting the same debt two different amounts and days apart. It is also showing as past due but was satisfied via garnishment and should state collection paid as of XX/XX/XXXX. This is with XXXX funding and The Bureaus. XX/XX/XXXX & XX/XX/XXXX is the reporting date in the amount of {$1500.00} & {$1500.00}. XXXX XXXX is reporting an account on XX/XX/XXXX in the amount of {$72000.00} this is not my account and nor was there an inquiry completed for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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: Public record information inaccurate

Complaint:
Within my credit report under the Landlord-Tenant History there is a judgement. The disposition of the judgement reads : JUDGEMENT WITH RESTITUTION OF PREMISES. The filing date is showing XX/XX/XXXX and the judgement date shows XX/XX/XXXX. This information is inaccurate. There was a satisfaction of judgment filed on XX/XX/XXXX. This information should have never showed up on any of my credit reports. I lived in the said address for 6 months after the original judgement was filed. There was never an eviction yet it appears to look that way when my credit is pulled.

Company response to consumer: Closed with explanation