BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies. For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.

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 2018-05-02
Company: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LTD Financial Services is trying to collect a debt for {$520.00} for XXXX XXXX XXXX complex. The company kept my {$400.00} deposit when I moved out and now they are sending me a bill for this amount. I cleaned the apartment, and carpet is due to normal wear and tear after 2 or 3 years which should be replaced anyway so why am I being charged for damaged carpet? This debt was opened on XX/XX/2017 and no one reached out or contacted me about any misdoing when I left.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried so many times to resolve this debt with the original creditor. The problem is that XXXX was purchased by XXXX XXXX XXXX. My account originated with XXXX. According to any representatives I speak to, they supposedly can not see the previous notes on my account. I opened an account with XXXX. I am a renter of my home and the landlord signed a release giving permission for the dish to be placed on our roof. After a period of time, my landlord revoked the permissions and demanded the dish be removed. My apartment is above a business in the city and he wanted the dish removed. I immediately contact XXXX and advised the representative of this matter. He advised me he would send a box to return the equipment. He did, however, advise to either keep the dish or throw it away. That nobody would want it back. He advised of my final bill and we determined a disconnect date. I paid my final bill and the services were shut off as planned. Not long after that, I received a bill from XXXX. it is important to note that by this time XXXX was acquired by XXXX XXXX XXXX.  The bill was a fee for early termination of my account contract. I advised the representative of the reason I had to disconnect services. She advised just like the previous rep that I would NOT be penalized because of my landlord revoking permissions. She stated the bill was an error and I had a XXXX   balance owed. She stated she would correct the billing error on my account and the call ended. Months and now more than a year has gone by and, I have disputed this file with XXXX   and XXXX XXXX XXXX through their corporate offices. Originally this debt was with a different collection agency. I received a letter from that collection agency that, they would no longer be collecting this debt and, they would return it to the creditor. At one point the creditor did contact me to see if I had any other location the dish could be placed. I advised him that I lived in the city, I had only one rooftop which was shared by the business below. I advised him the landlord revoked permission to have the dish on the roof. He advised me that I would not be billed the termination fee. In addition to writing and speaking to multiple reps, I also faxed and mailed a signed letter from my Landlord advising he will not allow the dish on the property as ordinances in the city limits had changed. Due to the HUGE lottery dish that must be installed for State Lottery and Food Stamp transmissions he would NOT allow another dish. I was pleased when I received the letter from the previous collection agency as I thought finally it was resolved. Now I am finding this back on my credit bureau reports with a new collection agency. This is unacceptable. I have done everything possible to rectify this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Receivables Performance Management, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

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 2021-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I completed my bankruptcy and requested my title and asked could this be removed from my credit report since they reported it as dismissed and my case was discharged I spoke with XXXX and he said he would send the title and have this removed they in turn added a XXXX plus loan back on my credit report after my bankruptcy case was discharged which violated the bankruptcy code Im asking this to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation letter to Merchants Adjustment Service on XX/XX/2018 and they did not verify the debt. Merchant Adjustment Service sent me the letter as verification of debt, which is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
The total amount is XXXX that was my taxes that netspend loaded onto a card that I reported stolen they allowed the card to be used and all money was drained. I reported to them last year that my identity was stolen, and they refused to do nothing about it. I have proven that this was not me by way of filing an FTC report a police report and by other means. I was told I would have a credit now they suspended all services to the card, and will not give the money they owe 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 2021-09-13
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX, I submitted a complaint with CFPB in regards to an old XXXX XXXX collection account that was discharged in bankruptcy. Ability Recovery Service responded on XX/XX/XXXX with " Consumer should be advised that this matter was closed due to bankruptcy and removed from all credit reporting bureaus in XXXX. We will conduct another deletion with XXXX. Do not dispute as it delays the deletion ''. 

On XX/XX/XXXX, this collection account is still showing on XXXX and you have failed to remove.

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 2021-09-13
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a letter to Simon Agency Inc a month or so ago about some medical collections they're reporting on my credit report and them attempted to collect on these accounts without legally validating these accounts. Please address this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2019 I received the results of my investigation from Equifax under confirmation number XXXX. On page 4 of the 42 page report underneath THE RESULTS OF OUR INVESTIGATION, it states that the disputed address of XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX has been deleted. It also states that the inquiry for XXXX XXXXXXXX of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX has been deleted. However, these items are still being reported on my credit profile and underneath my social security number with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After having a business checking account for 30 or so years, Citibank suddenly decided that they were closing my account and closing access to this account because they forced us to complete a questionnaire designed for corporations. We advised them that our professional practice was a sole proprietorship but that did not matter to them. As part of the closure they were supposed to forward any electronic payments made from insurers including Federal Government. There was a payment of {$62.00} made to them which they never forwarded. We got no satisfaction from our local branch, the corporate office or customer service who never once responded. We were forced to take Citibank to small claims court, they never showed up. We got a judgement which they never settled. As far as I am concerned they stole our money, adding to the cost of transferring our checking accounts and bookkeeping, etc for such an idiotic reason. For the record, when we rapidly opened a similar account at a local branch, they gave us similar forms to fill out and very clearly advised us what parts did not have to be filled out, which was exactly what Citibank expected us to do but were unable to. 

As long as we are making this public, I can add that for years I used Citibank to process credit card payments made to us directly into our Citibank account. Their monthly charges were written up and itemized in a way that we had no understanding of the breakdown. Upon searching why we were paying so much, we discovered hidden charges that were added without our understanding. Bottom line, by switching vendors, our monthly charges went from about {$500.00} per month to about {$150.00}. Now we get full explanations which should have been required!

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 2021-09-13
Company: OneMain Finance 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:
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 2021-09-13
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has fraudulently charged me for force placed insurance. They purchased the servicing rights to my mortgage which had adequate hazard insurance coverage. Soon after I received a letter from them stating that they were going to purchase coverage if I did not provide proof of coverage. This proof of coverage has been provided to them several times. I had sent them a message through the servicing portal and they never responded to it. The co borrower on my mortgage called them and provided the proof of insurance and the service rep updated the record and assured that the insurance was fine.

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 2021-02-20
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I get denied for a Apple credit every time I try to apply. I spoke with someone last night XX/XX/20 about it I let them know that Im a victim of identity theft and XX/XX/XXXXwants me to try to get to a credit card to raise my credit score which is almost XXXX I just want to be able to get it raised. I dont need much financed thru Apple credit card just enough to prove I can pay what I owe if approved on time with no problems. Could you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I placed an order on XX/XX/2022 for XXXX in which the credit numbers did not match so they were issuing a new card. But they put this charge on old account ending in XXXX. I then returned some items and paid the remaining balance. However these transactions went against the new account, ending in XXXX. Now I am receiving a bill for the account ending in XXXX which comenity bank claims does not exist. I have had multiple trouble tickets opened since XXXX and have spoken to numerous customer reps and supervisors. Every month I receive a new bill for XXXX plus my new account ending XXXX. I believe this all occurred during a major software update and I keep telling them that this has to go to the computer division to look into their old files and remove this account. I have all dates, names and bills

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Convergent Outsourcing ( CO ) reported on my credit reports under their own name a balance due of {$1200.00} in violation of 209 CMR 18.17 ( 11 ) which clearly states a debt collector may not report under their own name on a MA resident report. 
XX/XX/XXXX I sent CO a XXXX Demand via certified mail informing them of their illegal reporting. I also included a validation of debt request as the original account was not mine and informed them of their failure to inform me of my rights. CO legally had 5 days to provide validation and 30 days to remove the listing from my record. 
XX/XX/XXXX CO failed to reply in anyway. I sent them a second notice 93A Demand via certified mail. 
XX/XX/XXXX CO removed their listing from my report and agreed to cease collections. 
XX/XX/XXXX CO sold this falsified claim for profit to a company called XXXX XXXX XXXX. I sent XXXX a 93A Demand informing them the account was fraudulent. They closed the account. 
XX/XX/XXXX CO took the account again and sold it again, for profit, to a company called XXXX XXXX XXXX. I sent XXXX  a 93A Demand - they agreed to cease collections. 
XX/XX/XXXX CO took the account and changed (! ) the account number claiming it was new. They reported the listing on my credit reports and continued to attempt to collect. 

XX/XX/XXXX I sent CO another 93A Demand again informing them of their illegal attempts to collect on a fraudulent account. They failed to reply in anyway. They failed to remove their listing from my reports. 

CO is in violations of all laws listed below : MA General laws : 209 CMR 18.17 ( 11 ) Unfair Practices, 940 CMR 7.07 ( 15 ) and ( 21 ) Deceptive Acts and Practices MGL Chapter 106 *CC 9-405 ( c ) Failure to furnish reasonable proof of assignment 940 CMR 7.08 Failure to provide validation of debt in required federal and state timeframe 940 CMR 7.08 ( 1 ) and ( 2 ) Failure to provide ANY validation of debt

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 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I noticed that there was an account that it is not mine and I would like for it to be removed immediately. I sent certified mail below will be the slips. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$5200.00}

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 2021-05-26
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions 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:
I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 52 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 52 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.

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 2021-09-13
Company: WELLS FARGO & COMPANY
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 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 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 2021-09-13
Company: Embassy Loans
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:
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