BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: The CMI Group, Inc.
State: MA
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:
Credit Managment is reporting a fraudulent account on my credit. I contacted XXXX XXXX and informed them that I dont have an outstanding account with XXXX. They said that I could either file a fraud claim which could take 45-90 days or I could pay the {$38.00} balance, and the collection account will be removed from my credit.

Upon contacting Credit Managment, they informed me that XXXX didt communicate to them that this account needs to be removed and they are refusing to remove a fraudulent account from my credit. Please see the attached FTC report and remove this account from all 3 bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my credit card and was charged interest on a XXXX   balance. I have spoken with the company several times and the representatives keep explaining to me different reasons that they can not remove the fraudulent charge. Said that I need to have paid the balance in full twice in a row. Seems like unfair business practices and consumer trickery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-18
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX and United collection service are letting thousands of dollars in XXXX county fire rescue bills be double billed just different prices we XXXX  is wanting me to file a third dispute when after closing the first they after me calling removed one

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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: Information is missing that should be on the report

Complaint:
I am having issues with a freeze on my file that is holding up my credit from reporting my accounts properly. I have a XXXX XXXX  and XXXX XXXX  account that is not reporting to my credit file. My name is XXXX XXXX SSN:XXXX DOB : XX/XX/1992 My addition address is XXXX XXXX XXXX   XXXX FL 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 2018-11-14
Company: Acceptance Rentals, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


ACCEPTANCE RENTALS, {$2000.00} XX/XX/2015 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 2021-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
I have for some time disputed Midland Credit Management about balance incorrect information and incorrect charge off dates and account information. To no avail I get the same response Verified Accuracy. Then decided to dispute again. XX/XX/XXXX Sent in dispute on Midland Credit Management and XXXX  and XXXX  and XXXX  replied back on disputes as Verified Accuracy and the entire process took less than a week. They did send one charge statement that appeared to be doctored up and so decided to dispute this actions with a new letter of dispute mailed to all three credit agencies XX/XX/XXXX because Midland Credit Management decided to retaliate against me for initial dispute in XX/XX/XXXX dispute and XX/XX/XXXX XXXX  account showed Account was Flagged For Collections and this was happening often like every other day tanking my credit scores down 60 points each on all three credit reports. Then they fraudulently reported NEW Collection Accounts were showing up with charge offs dating XXXX!!! What!!!!! This also lowered my credit down even more and the number of collections were up by four more additional. Midland Credit Management was refreshing older debts and creating new collection accounts using existing collections and changing account numbers and so I called them and they were unhelpful and rude and I called XXXX  and they said they didn't receive anything from Midland Credit Management that my second dispute clearly ask for proof and they failed to submit what was specifically asked and could not produce and nor did they delete these accounts as per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, Back in XX/XX/2018 we were looking to buying a home and contacted Wells Fargo Home Mortgages On XX/XX/2018 XXXX XXXX from Wells Fargo Home Mortgages charged my Credit Card {$530.00}. He said I had to pay for Appraisal and only after my credit card was charged did I receive the " Loan estimate '' that is dated XX/XX/XXXX, I will attach the Wells Fargo Home Mortgages Loan Estimate with date of XX/XX/XXXX and my credit card statement showing my credit card was charged XX/XX/XXXX. 
I have removed the account number, the Consumer Financial Protection Bureau website saying that the only fee they can charge is Credit report fee and the fee listed for the Credit report is {$15.00}.

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
Consumer complaint received 2021-07-07
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2021 I purchased a Netspend prepaid card from XXXX. Today when I tried to activate it, I realized the company required my social security number which I objected to providing. I returned the card with receipt to XXXX who refused to provide refund but advised that I could activate and bypass my social security number on line. I went on line to XXXX but it required social. I entered XXXX as the social and the company rejected the authorization attempt and required my to download identifying documents and send the. I objected in a telephone call with the company who agreed to send a refund for the card " deposit '' but NOT for the actual purchase price of the card. The company should refund the card purchase price as well. The company advises that the refund of the deposit will arrive via mail in 10 days

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 2020-01-21
Company: Experian Information Solutions 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORT ON BOTH OF MY XXXX XXXX BANK ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2020-11-13
Company: EQUIFAX, INC.
State: LA
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 sent this dispute to Equifax to get this erroneous information disputed and taken off my credit profile for numerous of reasons, they are reporting incorrect and inaccurate information. This company hasn't showed any kind of deficient validation to this fraudulent account. Someone stole all my personal belongings. Also this company has took 40 something odd days to respond and I haven't had any type of correspondence from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/2018, I discovered that my personal information was used to open a business credit card and used to attempt to open a business loan at Navy Federal Credit Union by my former employer. I contacted Navy Federal to inform them that the account opened and the account attempted to be opened was not mine and they sent me the proper documents to dispute the account and the charges made. After I successfully completed all required documents and they completed their investigation, they still ruled that the fraudulent account was mine, which indeed it is not. I have a police report and FTC Fraud affidavit and I would like them to stop badgering me for an account that was clearly opened fraudulently and I have the proper documents to prove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: SECURITY FINANCE CORP
State: LA
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 sent this dispute to XXXX to get this erroneous information disputed and taken off my credit profile for numerous of reasons, they are reporting incorrect and inaccurate information. This company hasn't showed any kind of deficient validation to this fraudulent account. Someone stole all my personal belongings. Also this company has took 40 something odd days to respond and I haven't had any type of correspondence from them at all.

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 2018-06-18
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: JPMORGAN CHASE & CO.
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Nelnet, Inc.
State: CA
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:
On XX/XX/18, spoke with XXXX about a complaint with the Department of Education. HIs phone number XXXX, Ext XXXX. He called me and left a message. I called him back and we discussed customer service issues that he says he was going to report. I was concerned about my credit bureau reports and he assured me that they were reported to all credit bureaus XX/XX/2018. So I called XXXX twice on this XX/XX/2018 and they say they have received no information from Nelnet on my student loan payment. I called XXXX but was given the wrong information. I left XXXX a message on XX/XX/18 about XXXX. He called me back on XX/XX/2018 and is adamant that everything has been reported to the Credit Bureaus on XX/XX/2018. I asked him his tile and he told me he was a Senior Resolution Specialist. I asked him his last name which he informs me he doesn't have to provide but gives me the initial XXXX  for the last name. On his voice mail it sounds like XXXX, though I could be wrong he had told me previously he was from Nebraska which I'm guessing from my credit report the city is XXXX. I tell him I'm going to have to make some complaints and that we were done. I called XXXX  and XXXX  again on XX/XX/2018. I am told the last payment was XX/XX/2018. I call XXXX  and they show the payments from Nelnet for XX/XX/2018. I call the Department of Education to make another complaint because he won't believe XXXX  and XXXX have received anything from Nelnet. The Department informs me that he says information reported to credit bureaus was XX/XX/2018, which is the complete opposite of what he told me on XX/XX/2018, which was XX/XX/18 which they report the last day of every month. I told the Department of Education that Nelnet did not report to XXXX and XXXX and they say maybe it can be reported again by Nelnet. This is Nelnet 's choices, call XXXX and XXXX to verify they have not received the information of payments from Nelnet as of XX/XX/2018. Under the Fair Credit Reporting Act XXXX  and XXXX are regulated by the Federal Trade Commission.As soon as the credit bureaus receive information from Nelnet they put it in my credit report. I will not wait the 60 days for you reply to the CFPB and I will be taking you to court if my XXXX and XXXX are not updated immediately. XXXX XXXX, Senior Resolution Specialist. Everything has been opened up in my area with no further fire. Your looking at a screen that tells you it's been reported by one of your employees. Well guess what it hasn't been. I will be vigilant in my effort to make sure Nelnet properly reports to the credit bureaus. I know how the CFPB works and I will not be intimated by Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I can't provide dates, but probably the bank can. I contacted them at least six times over the past eighteen months to complain that their new security system was not functioning for me since they installed the new protocol. Sometimes they got back to me when I left a message, sometimes not. When I spoke with IT, I asked whether someone might be hacking my account or whether their system was merely dysfunctional. They said no one was, to their knowledge, hacking my account. They said they would work on the problem. Sometimes it was solved. At least on one occasion, it was not. Three to four months later I called in again, etc. Sometimes it was solved within a few days, sometimes not for two weeks. It's been completely erratic with them. 

In the last week of XXXX I was able to access my account, but the next day the same issue arose. A couple days later it worked again. Then again, a day or so later, I could not access the account. As of today, I still can not access my account. 

The USAA customer service phone line has for a month XXXX or more ) had a phone queue of 55-90 minutes during business hours. Rarely can I devote that much time to waiting for someone to pick up the phone. Last night ( this morning at XXXX XXXX  PST ) I got them after a four minute wait. Their wait time about four months ago was between 2-10 minutes. Now, I don't even bother asking them to fix the security issue. They can't do it reliably. I just use their customer banking service instead. But being unable to use the computer, which has greater facilities than their phone app, has become intolerable - I have had it. Please investigate their banking security system and customer service phone queue practices, which are certainly far, far below " best. '' Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: PHH Mortgage Services Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I had severe damage do to my home because of 35 feet of snow in 20 days. It was a natural disaster, historical for the XXXX area. My home has been under construction since XX/XX/XXXX after the snow melted. I have a XXXX child that has in home therapy that had to be changed to 50 miles away from our home because of construction with meals outside of our home because of lack of use of our kitchen. Our homeowners insurance company XXXX has taking up to 8 months to approve the repairs. So permits have lapsed and winter weather restrictions have pushed this construction back. I have notified my mortgage company XXXX numerous times before I got into financial problems and have applied for a homeowners assistance program/loan modification. I have been denied twice. I want to stay in my home. I am a XXXX XXXX year old ( XXXX ) and have a severely XXXX child. I will mail you the corresponding documents by mail. 

Please help ... ... Tell me what to do next!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: The Allen Daniel Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I hereby inform you that I am the consumer, as defined by 15 USC 1692a ( 3 ). 15 USC 6809 ( 9 ). As a natural person, allegedly liable, I do not know the term Custumer that is used in this document to refer to me in order to try to collect an alleged debt. Debt : a word that is defined in title 15 USC 1692a ( 5 ) is an allegation about an alleged obligation, nothing real. Another title such as 12 CFR 1026.36 ( a ) ( 1 ) ( 1 ) ( e ) Debt means an amount of money, funds or property which has been determined by the FDIC to be deu to the United States form any person, organization, or entity, exept another federal agency. 12 CFR 313.121. In this document I cite some of the violations that this company did when trying to communicate with me in order to try to collect an alleged debt, using the USPS postal mail for its acronym to communicate false, misleading and fraudulent information, with the sole purpose of trying to collect an alleged debt. violating the following codes. Violation 15 USC 1692e ( 4 ). Violation 15 USC 1692e ( 2 ) ( a ) ( b ). Violation 15 USC 1692e ( 15 ). Violation 15 USC 1692a ( 3 ). Violation 15 USC 1692e ( 11 ). Violation 15 USC 1692f ( 1 ). Violation 15 USC 1692g ( a ) ( 1,2,3,4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XX/XX/2018, I gave authorization to XXXX  XXXX XXXX to do a credit check based on the offer provided over the phone. Credit check was done and then they send the email for confirmation. In the email the offer were not the same as provided on the phone call. Hence I cancelled the service immediately before it got activated and request the customer to make sure the credit check that was done is removed my authorization were based on the offer provided over the phone. They said they will take care of it but until today XX/XX/2018. I tried to call XXXX & XXXX  XXXX XXXX customer support regarding the same but they have be just kept on transferring my call but none helped me and at the end they me on hold without any response ( the call went 40 + minutes ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: CA
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:
To whom it may concern, Under 15 U.S, Code 1681a ( 2 ) - Permissible purposes of consumer reports. 
( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

I XXXX XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, And no consent is Identity Theft. 

If EQUIFAX can not produce any such agreement with my signature in 10 days, I'm demanding the accounts listed below, as a consumer, be immediately deleted and zero out from my consumer report. 

XXXX CARD ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation