BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 non-monetary relief
Consumer complaint received 2020-02-05
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX  are reporting incorrectly a balance due of {$4700.00} as well as the account having been late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was deemed a total loss. I have attached a copy of the TOTAL LOSS CONFIRMATION LETTER dated XXXX from XXXX XXXX XXXX Companies. This letter declares that the vehicle has been deemed a total loss due to a collision and that the lien has been paid off. This incorrect reporting of a balance due and lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
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:
Using XXXX XXXX I found a card has shown up on my equifax credit report at the start of the year that wasnt mine. Card says its XXXX card service and shows a ballance over {$40000.00}. Card was opened 12 years ago ( i would have been 12 ... ) but just showed up on my account. Tried to contact equifax to dispute but got put through to an XXXX call center that would not email me any information and requested I fax them my drivers license and SS card. I dont have a fax and do not believe I need to fax out vital personal information to XXXX to dispute fraud in their credit teporting system. Equifax is making it difficult to dispute fraudulent items that im only seeing in their credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Per CFPB representative, it was suggested I open a new complaint to USAAs response regarding my bank account. 

I would like to refer to case # : XXXX I have included documents to support my case and I hope this will be finalized. 

After comparing my account with what USAA responded, there is still missing funds that is due to me of {$1500.00}. 

Before the fraudulent charges happened, I would have had {$420.00}. 

I have listed the fraudulent debits and compared to the credits once debits were deemed fraud and if I am not mistaken, I am missing {$1100.00}. 

I would like USAA to please investigate this further and if this is correct, please mail a check to the address listed on my account asap With the account being locked I was unable to make any payments to my accounts with USAA. 

I would also like late fees, over the limit fees, or any other fees charged to my accounts waived on credit card & loan listed below : Loan Account : # XXXX ( see letter attached ) Credit Card : # XXXX ( see letter 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 2021-08-17
Company: Experian Information Solutions 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:
This company did not complete an accurate investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.

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 2021-08-17
Company: Convergent Resources, Inc.
State: LA
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:
A collection account was reported from Convergent Outsourcing on XX/XX/2021 for {$1300.00}. I spoke with Convergent Outsourcing and was told that if I paid the account even if it was paid in settlement that once there was a XXXX  balance, the collection would be deleted. I agreed to a settlement amount of {$1000.00} and paid off the account on XX/XX/2021. I have tried contacting them numerous times to have the collection deleted from my credit and they have not removed it. I went through XXXX  to dispute the account and request it to be removed as agreed to no avail on XX/XX/2021.

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 2018-06-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2018 they contacted my former employer where I have not worked in over a year and they keep calling them even after they tell them I no longer work there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the 3rd collection agency XXXX has sent this account to for collections. XXXX claims I owe them {$920.00} and I do not. I had an account with XXXX for many years, always paid my bill. When I decided to switch carriers, XXXX tried to convince me to stay. I told them No,  because I had too many problems with XXXX. Since my lease of the devices was up with them, I was told they would send me packaging to send the devices back and my account would be fully closed. I waited and called numerous times, over a 5 month period, before they finally sent me their packing to send the devices back. After several months, they claimed they never received the devices. Fortunately, I videoed myself mailing the devices back. I also provided them with the tracking information confirming they had received the devices. They originally said I owed them {$1700.00} and then said I owed them {$900.00}. I am not paying them anything. This attempt to collect money from me is a result of them being angry that I terminated service with them. Perhaps they are sending this to different collection agencies thinking they will get a different response. I am not paying them another dime. Sending this to different agencies continues to have a profound impact on my credit and I'm tired of it. Please tell me what I can do to finally get rid of XXXX. I dont owe them and I am not paying them a dime. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Debt Recovery Solutions, LLC
State: FL
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:
Greetings. At this time XXXX and XXXX are reporting a debt collections on my credit report which does not belong to me and is inaccurate. XXXX does not even see it on their end. The collection appeared within the last month and says its from DRS ( Debt Recovery XXXX ) for {$580.00} from XX/XX/2021. I have never done business with this company and do not have any outstanding debts. I can affirm that I do not have any debts, especially none on or around XX/XX/2021. This is being inaccurately reported and is negatively affecting my credit report. I was able to file an electronic dipute with both XXXX and XXXX using their mobile app dispute services. I received a response within 30 days, in compliance with the law. However, their response is that the debt collection is valid. I never received any information from Debt Recovery XXXX regarding this alleged debt. I never received any communication regarding this collections. I believe this information is fraudulent and inaccurate and respectfully request that they produce information to validate this claim in a timely fashion. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX XXXX  XXXX XXXX had told me I owe XXXX for a free phone. I had informed them in XXXX I didn't not owe the amount. I am being charge wrongly I had to contact the complaint office, President office, corporate office, receivable office. it took until the end of XXXX. I just decide to pay the XXXX in full so I would not have XXXX XXXX XXXX on my credit, they found out I didn't owe the bill and they did a reversal and refunded my payment removed XXXX XXXX XXXX off my credit and cleared the account Before they had fixed the issue this company Sequim collection agency LLC brought the account from XXXX XXXX XXXX. began sending letters and calling I didn't know what was going on I called XXXXXXXX XXXX XXXX  back I was told that the account issue was cleared. I told them I had talked to a MsXXXX XXXX at Sequim asset solutions who was not very cooperative. XXXX XXXX XXXX response was the sent Sequim solutions to remove me off there account. It was reported to the credit bureau that my account was XXXX they were ask to release me from there account. by I was told because I never owed the bill. They are yet on my credit. I informed I was told they had contacted Sequim asset solutions to remove themselves off my credit they are yet in denial of removing Sequim asset solutions off my credit. Here it is XXXX and have yet to get this in correction. I have taped conversation of all party including Sequim asset solutions upon request of what all parties response was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Ingo Money, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX Card Unauthorized Identity theft XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: MD
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:
I am a consumer, a natural person, and a protected person under federal law. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 
Regarding alleged account # XXXX 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 an 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.

15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 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 2022-10-04
Company: EQUIFAX, INC.
State: CT
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/22 & XX/XX/22 I had disputed with each of the three credit bureaus about the two inaccurate accounts on my credit report. XXXX. XXXX XXXX Number : XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX As a result they sent me back a letter stating they were unable to locate the file, yet they are still reporting the inaccurate/negative account information. I have asked for them to provide me with signatures from the original creditors to prove I have ownership of these two accounts that they are reporting on my credit reports and they have failed to do so. I have also asked them what their method of verification was if they even conducted an investigation and they have failed to provide me with such information. I believe the letters are stall tactics so they can keep reporting negative information about me. I have already been denied housing because of these negative remarks on my credit report. Its not only injurious to my score but its preventing me from doing things such as getting a place to live. As a result id like these two accounts deleted because they have yet to do their job in providing me the information I'm privy to based of the Fair Credit reporting Act. I'm asking your company to make them abide bay the govern laws set in place to protect me the consumer from and business practices such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Had a car loan with Capital One that was paid off using an account that was closed before the car had actually been paid off. Did get a credit card with Capital One, which is an entire different department/company than the car department. Made a payment while out of country in XX/XX/2019 like I always do through the credit card site. I had thought everything was fine until I received XXXX XXXX   statement saying that I had been late and missed a payment. I call the company and asked what happened because I knew I had paid them. They informed me that the bank that I had tried to use to pay declined payment. That's absurd because I know there was plenty of money to cover the small amount of my payment. They informed me then that the payment was trying to be pulled from the old car account. I explained that's impossible and that now it hit my credit score as a missed payment and that I wanted it fixed. They said sorry they can't do that, but did credit me the late fee. When pressed with a manager she admitted that she was " baffled '' how that could happen and that she was able to see both accounts but that they had never been linked with the credit card. Still the answer was they can't help. Reached out again recently with the same result. So wrong that this has taken so long and it is really hurting my chances of buying a new home. All over a {$100.00} credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: MO
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:
Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX   however Equifax has not removed this from my report. I have contacted the bureau to fix this issue but was unsuccessful. This negative reporting is harming my credit score. This line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was transferred to Carrington Mortgage Servicers, LLC from XXXX XXXX XXXX. My mortgage had a final foreclosure judgement already and I had been trying to obtain an affordable FHA modification through XXXX XXXX XXXX. When Carrington Mortgage Servicers, LLC took over, I had to start the modification process all over again. I sent in all requested documentation the required. I am the only one on the mortgage note with my wife, XXXX XXXX being on the title. Carrington Mortgage Servicers, LLC refused to even process my FHA -HAMP modification paperwork until my wife sent in all of her information. They are trying to force my wife to be a co-borrower for any future modifications that might, not guaranteed, be granted. My wife has no income unless you count Food Stamps of {$130.00} a month. She is unable to work due to medical conditions. There is no reason why she needs to be on the mortgage when she wasn't on it in the first place. Also, the are stating that her food stamp is actually {$160.00} a month before taxes are removed. From what I can see, Food Stamps are not taxable and this is not a legitimate claim from Carrington Mortgage Servicers, LLC.

On current statements from Carrington Mortgage Servicers, LLC, there are " misc. '' charges under the escrow account as well as multiple property inspection charges, title fees, Automated Valuation Model Fee, Foreclosure Appraisal fee, and a fee for " single item ''. According to HAMP rules and regulations, they are not permitted to continually charge my mortgage account for illegitimate fees or " Bogus '' fees.

My wife is being bullied into signing a modification with Carrington Mortgage Servicers, LLC when she is not part of the original mortgage note and no income that would make her beneficial to a modification of the original mortgage note. My wife and I feel bullied, pushed, and forced into the modification Trial Payments that they know do not follow the HAMP Regulations.

I also believe that another reason that Carrington Mortgage Servicers LLC is requiring my wife as a Co-Borrower is so that they will have the right to damage her credit as much as they have mine. As well as, have another person to hold liable for the mortgage note.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XX/XX/XXXX I opened a credit account with the Army & Force Exchange Service ( XXXX XXXX XXXX ). The account was initially in good standing but was eventually charged off. Of course I was aware of the debt but was unable to pay due to my financial circumstances. I never received any debt collection notices from AAFES. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran and I receive benefits from the VA and social security benefits. When I began receiving social security XXXX benefits in XX/XX/XXXX, AAFES began garnishing {$140.00} a month from my pay and never sent me any notice or statement. I had to contact them to receive a statement. Since XX/XX/XXXX, I have not received any correspondence from AAFES. According to the only statement I received my initial balance was {$2700.00}. Between the date of the initial balance and XX/XX/XXXX AAFES has charged me close to {$3300.00} in interest charges. 
I contacted AAFES to attempt to settle this account on XX/XX/XXXX and was told by the representative to email back on XX/XX/XXXX to see what can be offered. I explained the desperate situation I was in with my family and finances and that it was urgent that this account be settled. I waited as instructed and then was told by the initial representative and a member of management that they will not offer a settlement on my account because they are receiving treasury offset payments ( that guarantees collection of the total balance ). As stated previously, I am a XXXX veteran on a fixed income and the unfair collection of this debt is creating a hardship on me and my family. It is also absurd to be collecting over {$3000.00} interest charges which will continue to accrue while collecting my treasury payments. I made several attempts to contact this company and they refused any resolution.

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 2020-06-26
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX  closed my credit card account ending on XX/XX/2019 with a balance of {$420.00}. I made monthly payments towards the final balance of $ XXXX/mo. The company then sold the debt to Resurgent Capital now with double the actual amount I owed at the time of forced closure of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: JPMORGAN CHASE & CO.
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: Information is missing that should be on the report

Complaint:
I had a credit card with XXXX ( XXXX # XXXX ) and during Covid I was not able to make payment. The account was then charged off and then send to collection. I made a settlement with collection and paid it off almost 6 months ago. For some reason, the account has never been updated. 
More I never gave my written authorization to XXXX to report this account on my credit report. However, the account has been reported which is a violation of my right. In accordance with the Fair Credit Report Act XXXX Account # XXXX Has violated my right. 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states A consumer reporting agency can not furnish an account without my writing instruction.

Company response to consumer: Closed with non-monetary relief