BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-17
Company: ProCollect, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX  is alleging that I owe them {$690.00}. I did not breach my rental contract and do not understand the charges against me. I have attempted to resolve the matter but every time I try, the claim that I owe them additional monies. I believe that I am a victim of fraud and unfair business tactics. Management is run very poorly, and one person says one thing, another says another thing. I do have documentation to prove my innocence.

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 2019-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2022-09-13
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:
This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an open charge off on my report that has since run its term. The account is with XXXX XXXX XXXX. The amount is approx {$2200.00} and it was charged off on XX/XX/2013. It has run its time of 7 years and needs to be removed.

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 2021-07-28
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt is being report on my credit report and I was never notified about it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: DIME COMMUNITY BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recently received an email from Dime Community Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX and with whom I have a fairly large account. They informed me that I have been locked out of my account due to inactivity and that I must call in order reactivate it. I tried to login to my account and can not, I sent them an email via their website and I have called the provided customer service number, XXXX, on XXXX different occasions in the past week, including today, XX/XX/21, in order to reactivate my account and I have experienced wait times in excess of XXXX hours on each occasion ( currently in excess of XXXX hours on today 's call ) without a service agent ever picking up or response from Dime of any kind. They are making it impossible for me to access my account as they provide no other options in which to reactivate the account other than by calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Commonwealth Financial Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a letter to COMMON WEALTH FINANCIAL SERVICES in early XX/XX/XXXX requesting validation debt being reported on my XXXX  credit report as : COMMON WEALTH FINANCIAL SERVICES. Original Creditor Name : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$2500.00} Amount : {$550.00} Status Date : XX/XX/XXXX Status : UNPAID. Account Number :  XXXX. They responded to my letter on XX/XX/XXXX with a letter that clearly violates my rights. COMMON WEALTH FINANCIAL SERVICES Did NOT comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162. COMMON WEALTH FINANCIAL SERVICES did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My ex husband apparently opened a card in my name as a secondary user. I have not used the card, did not agree to the card, and Capitol One won't take it off of my credit report and won't let me close it because I am not the " primary ''. 
I have been divorced for 7 years and do not want that card in my name or on my credit report. I have never seen the card, don't use it and once I paid it completely off 4 years ago in order to get a mortgage. 
I had to pay my ex husbands debt off ( I never used it and it wasn't my debt ) to get a mortgage! 
IT IS NOT MY CREDIT CARD AND I WANT IT REMOVED FROM MY ACCOUNT. 
Capitol One is acting in a fraudulent manner at this point. 
I have complained to them in person and through XXXX XXXX. 
HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were with XXXX in XXXX, sold to XXXX  XXXX XXXX. In XXXX, in the MIDDLE of a " promised '' modification, we were sold to XXXX XXXX XXXX. 

Bank of NY Mellon supposedly holds the note ( see attached ). We have repeatedly asked for the location of the note with no response. Most recently we sent a certified letter received by BNY Mellon but NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Ok so bank of America won't credit the money that someone had blatently used on my XXXX card I have tried to XXXX it twice this isant like 20 bucks it's almost XXXX rollers I have a police report as well that I sent them so I feel like they just pick and choose who they want to help.

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 2021-04-06
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I called in to conns customer service to pay my debt for over XXXX and the company offered to settle for {$1400.00} and I asked the company if it would be removed from my credit report. They said that they will put settled for less than full amount and that they would remove it from the credit report. Ive called several times and the company keeps giving me the run around and no one will remove the negative closed acct from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have my home owners ins paid via PennyMac they did not pay it and have force placed my ins! The bill was sent to them and I have attempted to settle this with them and I havent received an outcome! They need to pay my ins backdate from exp date and pay the ins any late fees out out of their pockets! Not once did they notify me about my ins or force placement!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX went bankrupt. Loancare LLC took over the loan in XX/XX/2019. I was making automatic Bill Pay payments with XXXX XXXX XXXX and two payments were made using the old XXXX account number before I changed the account number with Bill Pay when I found out the new information and new loan number from Loan Care in XX/XX/2019. The XXXX payment went through fine despite the wrong account number on the check. Loan Care is  saying they never received the XXXX payment but the money was withdrawn by LoanCare in XXXX. I have made at least 10 phone calls to try to resolve this and have sent proof of payment numerous time. I was even on a conference call with XXXX XXXX XXXX and LoanCare at which point XXXX XXXX  XXXX sent over a Payment Transmittal Form. I have uploaded the form as well and emailed it several times. I have enclosed it to this form. I just received a call today saying I am behind on my payments. Which I am not. XX/XX/2019 payment : {$2300.00} Last call : XX/XX/XXXX Ticket number : 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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-01-06
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is a follow up response to CFPB complaint XXXX ( response from Pressler & Pressler ). I believe you all need to investigate any illegal attempts for these law firms and financial institutions illegally charging fees, obtaining charged off accounts. I am familiar with the ( Fair Credit Reporting Act ). XXXX XXXX is not the original creditor of whatever debt this is. I have no prior relationship with them. Therefore, I have requested a complete transaction history, previous payoffs, charge offs from prior creditors that might have had this debt. I have requested this information a few times. I have not received anything from the XXXX XXXX or their attorney 's. This leads me to become a bit suspicious of their activities. They should have this information. I want to see what the original balance was prior to them obtaining this debt they state is mine. I want to see if they've illegally charged fees on a charged off account. Per an attorney who gave me free legal advice they are supposed to provide the requested this information. Also, he stated they are not supposed to charged additional fees once an account has been charged off. Therefore, I would like to see/know if there were any illegal steps taken in obtaining this debt. I still don't know what the debt is for because I don't know who the original creditor is. Also, I am considering filing a complaint with whoever oversees the CFPB I see that there are several options to filing a complaint such as CFPB Ombudsman, Office of Inspector General, Counsel of Inspectors General on Integrity and efficiency and Council of Inspectors General on Financial Oversight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: FORD MOTOR CREDIT CO.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  leased XXXX  XXXX. Purchase excess mileage ( section 12 on lease ) Ford had me listed for excess mileage. Not true. Major mechanical motor issues ( see attached ) Wanted to finance after lease but could not. It was a lemon. Now XXXX, XXXX, XXXX, XXXX XXXX collection agency is sending collections ( see attached )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late? {$110.00} past due? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-06
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Reporting inaccurate information on my credit report this debt now says closed and dosent belong to me.

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 2022-09-13
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: Information belongs to someone else

Complaint:
This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03
Company: Westlake Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Westlake Financial has not updated my name change sent four years ago. I was told they had the change on file and it was never processed about 6 months ago. I received a letter stating it would take 60 - 90 days for the name change to kick in. It has been 6 months and it is STILL the WRONG name! XXXX and XXXX were ALSO sent documents and they have not processed a single thing. I have been dealing with this for four years now, can anyone just do their job?

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 2022-01-26
Company: EQUIFAX, INC.
State: MO
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:
This account was closed due to the bad debt which I do not validate additionally this goes against 15 USC 1605 ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 sent a my Dispute letter dated XX/XX/2020 to all 3 Credit Bureaus! 

Transunion, XXXX  & XXXX  ( Please see attached Documents ) I received my XXXX Credit File : XX/XX/2020 Confirmation # XXXX - The Results of Our Reinvestigation stated that XXXX XXXX XXXX, Account # XXXX The results are : this item has been deleted from the credit file. 

( Please see attached Documents ) However, this account is still showing on the other 2 Credit Bureaus XXXX  & TRANSUNION!

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 2023-07-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: MI
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 am part of a class action lawsuit against XXXX XXXX XXXX, as a result my attorney was looking over how they are reporting and I noticed the late payments XXXX XXXX XXXX has been reporting from 2017. 
My XXXX XXXX XXXX accounts are reporting I was 120 and 150 days late back in XXXX, XXXX and XX/XX/2017. This is not accurate. 
And the identical account is being reported 3- times misleading anyone who would receive my credit report I have never been late for any of these accounts. I send in 1 payment every month to cover all the accounts. XXXX XXXX XXXX was not properly allocating the money at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized.

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