BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a letter from Credit Collection Services stating I owed {$120.00} to them on behalf of XXXX XXXX. Soon thereafter, I authorized payment of {$60.00} to be removed directly from my bank account on XX/XX/XXXX and {$60.00} on XX/XX/XXXX via bank draft to be taken directly from my back account for Credit Collection Services. 
Afterwards XXXX kept sending me messages stating I needed to make the payment of {$120.00} again. Therefore, on XX/XX/XXXX i paid {$120.00} directly from my bank account via Bank Debit Card payment to XXXX from my banking account ( see attached receipts and bank statements. 
On XX/XX/XXXX i received a refund of {$120.00} from XXXX. On XX/XX/XXXX I called XXXX and asked them why they sent me a refund. After placing me on hold for about 10 minutes XXXX came back online and stated they sent me a full refund because I already made my payment in full with Credit Collection Services ; However, Credit Collections continue to share negative, inaccurate and false information on my credit report after i made all reasonable attempts to resolve the balance by paying in full. I would like to request for this false, inaccurate and negative information to be removed from my credit report. It is not okay for information to be displayed on my credit report stating i have paid XXXX dollars after i have shown evidence i have paid this account in full. 
I would like to ask What kind of games are you playing with me here XXXX and Credit Collections? I have provided all of my proof of scheduled payment to credit collection services and I have provided additional proof of payment to XXXX and proof of refund from XXXX. As of today I owe XXXX and Credit Collection Services no new debt and I would like it to be displayed on my credit report as of XX/XX/XXXX I paid my account in full and i would like the negative information to be removed completely from my credit file from all three credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I closed my XXXX XXXX account after 10 years and was told over and over by customer service my account was paid in full. I switched to XXXX for a few years then went back to XXXX XXXX due to service coverage for where I am stationed. I opened a new account and then a year and a half later I received a letter saying I owed an amount from 2019. I emailed the company asking for information to be mailed to me. I have someone at my house accepting my mail while I am out of state for school but there has been nothing sent to me by the company. It appeared on my credit report a few days ago without me being able to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILDSUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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: Account status incorrect

Complaint:
I was given late payments for a chase account from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, 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 belongs to someone else

Complaint:
While conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am  allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I typed in my XXXX XXXX account information for a payment of {$200.00} on XX/XX/19. I logged in and saw a payment reversal. The lady told me I had the wrong bank information in. This has happened several times. I just made a payment for {$12.00} with them with my XXXX XXXX account so there is no excuse for this. Now I have to wait for the payment to go through and the interest could possibly hurt my credit for XX/XX/XXXX. I was banking on having all the interest paid and all the interest caught up. Now this is very unlikely to happen due to the lack of Navient not changing the payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
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:
There are several accounts that are inaccurately reporting late on my credit file. 

XXXX, Transunion and XXXX  is reporting that I was 30 days late with XXXX XXXXXXXX XXXX in XX/XX/XXXX and XX/XX/XXXX when I was not. 

XXXX XXXXl is inaccurate showing that I was 30 days late with the following credit agencies : Transunion - XX/XX/XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX XXXX  - XX/XX/XXXX and XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX is inaccurate showing that I was 30 days late with the following credit agencies : Transunion and XXXX  - XX/XX/XXXX XXXX - XX/XX/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 2019-08-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  has me in collections with Enhanced Recovery for equipment and I have my receipt showing I have turned in all equipment. 

XXXX {$720.00} enhanced recovery company This is on my credit report and it needs to be deleted, paid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had applied to do a refinance via TD Bank of my current mortgage. Throughout the process with TD Bank I experienced so many issues with the quality of service that at the closing I decided to cancel my application and sent them a request to rescind by XX/XX/2020. By XX/XX/2020 they told me that they had accepted my request to rescind. But in XXXX I received a mortgage statement from TD Bank saying that they transferred XXXX dollars out my escrow account into their escrow account and that I was due the first payment. So now I have two mortgages, my current mortgage which was never paid as I cancelled the refinance, and a new mortgage with TD Bank. My credit score has gone down 12 points because of the extended financing out there ( twice as much of what I had before due to their mistake ). 

I've contact TD Bank multiple times and they just tell me they're looking into it and someone will get back to me. It's now almost 2 weeks and so far nothing has been corrected. I'm so regretful for started anything with TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Starting in XX/XX/XXXX, I began disputing a XXXX XXXX/Citibank Credit Card account with the credit bureaus. This account was fraudulently opened using my personal information. All required documentation was provided, including my FTC report and a copy of my ID to validate my personal information including my address. The CRA 's immediately blocked this fraudulent account and provided all information to XXXX XXXXCitibank per my request. XXXX  XXXX/Citibank sent me a letter on XX/XX/XXXX confirming they were investigating everything, and on XX/XX/XXXX they sent another letter confirming their investigation was complete and they concluded I am still responsible for the account. No documentation was provided. 
On XX/XX/XXXX I received a letter from XXXX XXXX/Citibank, stating that my account was at risk of being referred to a collection agency. 

On XX/XX/XXXX I sent a letter to XXXX XXXX/Citibank requesting reinvestigation, and reiterated that I am a victim of identity theft and requested all specific records and documentation from their investigation pursuant to Section 609 ( e ) of the Fair Credit Reporting Act. I made sure to include all required documentation to support my claim for identity theft, including 1. A copy of my drivers license & social security card 2. A completed and signed FTC Identity Theft Report. 

XXXX  XXXX/Citibank wrote back on XX/XX/XXXX with the exact same letter as what was sent on XX/XX/XXXX. Absolutely zero changes made, and no further documentation was provided. 

As of XX/XX/XXXX, I received my first communication from a debt collection agency named XXXX XXXX XXXX XXXX. This agency made claim that the XXXX XXXX/Citibank credit card account was referred to them. 

The actions taken and NOT taken by XXXX XXXXCitibank are a serious violation of the law. As a victim of Identity theft the law clearly states that once the proper documentation was provided to XXXX XXXXCitibank they are NOT supposed to sell or charge off the account. They did it anyway. AND they failed to provide ANY documentation in any of their communications to me to substantiate their investigation. Instead they provided their insight on what they think really happened when they KNOW that is NOT what the law requires them to do.

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 2021-10-22
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:
I noticed that Equifax is reporting one inaccurate negative item in my account from XXXX XXXX, one inaccurate negative from XXXX, two inaccurate negatives from XXXX XXXX, two inaccurate negatives from XXXX XXXX  XXXX, two inaccurate negatives from XXXX  XXXX, two inaccurate negatives from XXXX XXXX, and one inaccurate negative from XXXX. All negative accounts are showing that I have several chargeoff accounts that have a balance on them. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was trying to have a cosigner removed from my student loan. Discover Student Loans kept poorly handle the processing of my application and repeatedly allowed the application to lapse. Despite being told that the application WAS NOT PROCESSED and HAD EXPIRED, the loan company nevertheless made HARD INQUIRIES on my credit report, negatively affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 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 XXXXr XXXX Bankruptcy Ref # XXXX XXXX5 U.S.C section 602 A. Section 2. 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 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
there are numerous unauthorized inquiries and an account I was never late on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I don't know why they keep calling me, several times a day and several times a week and weekends. It could be a debt I owe, but I will not answer my phone and give them any information. Now several times a day, every day, they have been calling a friend. I don't know how they got his number but I'm furious about it. Whether or not this is my debt, they have no right to call another person 's number and ask for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called Bank of America ( BoA ) by phone to request information about my account and they informed me that it was blocked since XX/XX/XXXX for a suspicious online access alert. To reactivate I should come to a branch in person to validate my identity. 
On Saturday XX/XX/XXXX, I went to the branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and opened an identity theft claim. 
Someone who impersonated me accessed electronic banking, made wire transfer transactions to XXXX for low amounts, asked for a debit card and made transactions with. They opened new accounts under my name with a USA address. Total loss was {$69000.00} however, BOA denied my claim without an explanation. They said that a letter was mailed out to the address on system. But that is a fraudulent address ; at the time of changing my contact information nobody called me ever to verify that. BOA didnt perform any due diligence to verify if I was the person who asked for the changes.

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 2023-06-13
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:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have Items left that need to be removed or Block. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
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:
Bank of American and XXXX, XXXX, XXXX   credit bureaus. 
I purchased a XXXX XXXX financed by Bank of America in XX/XX/XXXX. The vehicle was a total lost on XX/XX/XXXX. BOA reported my credit as 30 days late for both XXXX / XX/XX/XXXX. I had a GAP Policy that covered this vehicle, which I was told when GAP pays it will be reported as paid in full. However, BOA is reporting it as a late payment for XXXX / XXXX. I dont think it should be on my report, after the had already received a check from GAP for this balance. Since then, BOA has financed another vehicle for me, but reporting this one as being 30 days late for XXXX / XXXX on my credit report. If I would have known, BOA was going to report this late fee on my account for a car that was totaled in XXXX. I NEVER would have financed anything Else with BOA. I have reported supporting documentation of confirmed payment. We are in the middle of a pandemic, the process with GAP may have been slower than usual due to the pandemic, but its unfair to make me suffer for this catastrophic. This is poor business in a ROCKY pandemic world. I have never had a late payment on my credit report and I am appalled at the action of BOA. This makes me sick to my stomach. I am asking BOA to remove the false statements made on my report. BOA received payment from XXXX in XXXX, but continue to try to collect payment from me. Please see attached documents. I will not stop until there is a fair decision made on this manner. Thank you 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 2019-08-26
Company: EQUIFAX, INC.
State: IL
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 have repeatedly tried to have Equifax, XXXX and XXXX remove items from my credit report that wasn't mine. They've refused. Even when I filed FTC and police reports. Please have them remove the items listed in my FTC reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: AL
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 filed a dispute in XX/XX/2020 for XXXX  to investigate on US DEPT ED- XXXX & XXXX & another dispute on XX/XX/2020. US Dept Education is in violations of my rights by the following collection/charge off account, with an account number of XXXX on my credit report is claiming to have Balance amount higher than the actual High Balance amount. As you know this is inaccurate which is a violation of my rights..

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