BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We sold our home in XX/XX/XXXX. Our homeowners insurance did not get closed until XX/XX/XXXX due to miscommunication with XXXX. A proof of sale was sent and our policy was closed and check was sent for the overage. In XXXX of XXXX I received a bill for my policy for the dates XXXX in the amount {$870.00}. 
I have called XXXX multiple times and each time I have been told that this debt is an error and they shouldnt have sent me a bill. On one of the these conversations ( on a recorded line ) a gentleman told me it could have been that our escrow company sent a check to the wrong account ( possibly on our other house ) and if I received any more bills to disregard because they will fix it for me and resolve the issue. Each time I have heard apologies from the company and this has been going on for months. This week, I received a collections notice for this cancelled policy. I called XXXX again today to figure out what is going on and they explained that this debt has nothing to do with our policy ( even though the collections letter clearly states that it does ) and they accidentally sent us a check, written out in our names and just simply needed the money back because it wasnt supposed to be ours. So XXXX sends us a check in our name, we supposedly cashed it and then 5 months later they discovered they messed up so now instead of owning up to their mistake, they decide to link it to our cancelled policy, send it to collections, and continue to have no accountability. This is not my debt to pay. It never was. I responsibly sold my house, closed out my policies. I should not have to pay for another companies error.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: EQUIFAX, INC.
State: VA
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:
Due to the Equifax data breach, which according to their website both my husband and I appear to have been affected by, I have had to spend money and many hours of my limited personal time to pull credit reports, place credit freezes, set up credit monitoring, as well as other tasks to try and get ahead of the potential issues this could cause to my husband and I 's credit. We have worked very hard over the last decade to improve our credit and the continuous data breaches are disheartening ( the Equifax one being seemingly the worst yet ). There is also not a lot of confidence that Equifax truly knows how much data was actually taken, so now there are worries about my parents ' and my children 's credit. I also worry that even though we have frozen our credit, the same stolen data can still be used to unfreeze it. Cyber security needs to be taken much more seriously by the corporations of the world and I want to know how Equifax and the FTC are going to make this right and work to prevent future occurrences. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a dispute letter on XX/XX/XXXX through Certified Mail requesting a reinvestigation and the Method of Verification for a bankruptcy on my credit profile. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). The credit bureaus has been non-compliant and didnt complete the dispute in 30 days. I further remind the credit bureaus, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. XXXX, XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.

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 2018-04-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern : I spoke to a representative XX/XX/XXXX making sure what I owe to USAA credit card will be handle clearly and smoothly and I am paying in a timely manner. The evidence was recorded as well because if you call them they will mentioned " our conversation will be recorded ''. They gave me option how to pay my credit and I agree with the settlement. I authorized them to deduct my payments thru my checking acct starting with {$55.00} and the upcoming months will be {$75.00} and the last month I will pay is {$110.00}. XX/XX/XXXX I called USAA just making sure what I owe is getting lesser ; I didn't expect what the result was {$730.00} which should be {$540.00} I start paying {$55.00} the month of XX/XX/XXXX and starting XX/XX/XXXX until XX/XX/XXXX I will be paying {$75.00} and then XX/XX/XXXX will be {$110.00} and that will be my last month to pay and I am free from debt to them. I called but they were not answering. I called someone answered and if they gon na transfer me to the department of billing and collection it will ring then after voicemail. This time I should be free from debt to them but they're making a hard time for me. Miscommunication and they should fix this and they're the reason why my credit score is low and may you fix that! I was a member once I deserve to be treated well not deceiving, and you fix my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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 non-monetary relief
Consumer complaint received 2022-08-30
Company: OLD NATIONAL BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had monthly automatic payments using my First Midwest checking account. When Old National took over, my bill payments don't show up on my online banking. 

I have no control over the payments now. I want to stop making payments to an account that has been paid off, but the auto payments continue. I have no way of stopping this. 

Calls to the one number Old National provides have wait times longer than one hour, according to their phone announcement upon calling. I waited 90 minutes and my call was dropped when an agent finally picked up. Emails go unanswered, and their online " chat '' comes up blank. 

Terrible customer service, and obviously poor planning for the takeover from First Midwest.

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 2018-02-05
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, I owe {$130.00} to XXXX. I told the collection company that I don't have the money because I am on XXXX leave. They call me numerous times a day, and if I was on leave in the XXXX why would I have the money in the XXXX. They are harassing me, and I have told them numerous times that I would pay when I could. I have the list of calls they make all hours of the day and I find it so unnecessary. They are very rude! I have the log in my phone of all the calls they make daily. If I had the money, I would pay it just to get them to leave me alone, but I don't go back to work until XX/XX/XXXX. The company is called EOS CCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XX/XX/XXXX, I received a call from XXXX XXXX XXXX a Texas company, at XXXX XXXX one night demanding that I provide banking information to pay for an unfamiliar debt before the account is added to my credit reports. The lady stated that she could see that the account is not on my credit files, and if I wanted to keep things that way, I would need to pay now, or the account that is not on my report would then be added. I said that I didn't owe anyone anything, maybe you have the wrong person, I am a victim of identity theft, and if she wants to communicate with me, she should do it by mail or email. I asked the lady to mail verifiable proof that the so-called debt is mine, but the lady just hung up in my face. Then, on XX/XX/XXXX, a collection account appeared on my three credit reports. I disputed the account across my credit files. I advised that I didn't have any business with any of the associated companies. I still have no verifiable proof that the debt belongs to me ; in fact, I'm certain that it doesn't. 
Additionally, I remember in XX/XX/XXXXa collection account appeared across my credit reports times before. The reporting collection agencies could not provide sufficient documentation that the debt belonged to me and each credit bureau removed that false collection account accordingly. AND This newly added collection appears to keep being sold from agency to agency because none can substantiate the debt. I'm tired of keep having to prove the same proof this debt does not belong to me. Additionally, XXXX XXXX XXXX  SHOULD NOT HAVE BEEN ABLE TO VIEW MY CREDIT FILES ; I have no business with them. They have several complaints with their areas BBB and other online complaints about fraud and stealing person money and not providing what they had promised to the consumer. I don't see myself paying for something that I do not owe and want this account REMOVED from my three credit files accordingly. The three credit bureaus should start considering the consumer ; I have Locks and freezes, I have even opted out of pre-screened offers, NO ONE should view my reports unless I do business with them.

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 2017-06-20
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
I have been trying to resolve this matter with Santander since XXXX XXXX without success I have requested validation/ verification of account/debt the company or credit bureaus have not submitted me with requested documents to support account/debt ; nor has this negative account been removed from my credit file. I do no have a contract with them ; nor am I responsible/ liable for the account/debt form this company in the amount of. My desired outcome is a settlement. The settlement offer is removal from all credit files and cease/desist all further collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: UNITED BANKSHARES, INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX, scammed out of {$400.00} through XXXX by using XXXX that was linked to my bank account United bank Contacted both XXXX and United bank and they refuse to reimburse 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 2022-08-30
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-08-21
Company: Specialized Loan Servicing Holdings LLC
State: ME
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
For the past 9 years, I have had a XXXX XXXX XXXX XXXX XXXX XXXX which was in good standing in my name. I paid the amount monthly - even after my ex-husband applied for Bankruptcy and was discharged under his name ( his name still remains as a co-borrower ). 

Recently, XXXX XXXX XXXX sold my loan to XXXX XXXX, which then authorized Specialized Loan Servicing ( SLS ) to administer the loan payments, etc. SLS appears to be more of a collection service bureau than a financial institution. 

XXXXk XXXX XXXX sold my loan on or around XX/XX/XXXX. I was notified by XXXX of the sale to XXXX XXXX and was informed that I would receive information soon from the new loan company. I did not receive ANY paperwork, information on where to pay my loan, etc. until XX/XX/XXXX. I received a letter from Specialized Loan Servicing indicating that my home equity loan is now delinquent, and I needed to contact SLS to discuss possible loss mitigation options. I was able to navigate the SLS site and set up an online account. I had difficulty adjusting the payment that covered a specific time line, the site would only allow for me to make the past payment due PLUS a payment that was due in XXXX. I was able to call SLS where they were willing to take the payment that was currently due. On XX/XX/19, I logged on to make my XXXX payment - and once again, the site would not allow me to adjust the current payment due ( {$220.00} ), instead a payment of {$470.00} ( covering XXXX ) was ordered. Also, I am not able to change my method of payment. I want to use a different debit/credit care and the SLS website will not allow me to do this. 

The SLS site and XXXX XXXX company is very difficult to navigate and communicate with. When I call, and enter my phone number ID, they claim that my phone number is not identified with my account number. SLS has also marked me down as making two late payments, when that is not a fair assessment. I do plan to refinance this loan in the next few months, but I am trying to pay down other finances first in order to be eligible for a lower interest rate. Please assist. 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 2021-07-12
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX account. On XX/XX/XXXX I attempted to pay my balance in full, {$550.00}. My checking account was not listed as a means to make payment, so I added it and made a payment. XXXX 's computers say my checking account is already connected but it's not and my pay was 'refunded ' on XX/XX/XXXX. 

I was told to contact Synchrony Bank, the actual creditor. I made a telephone payment which posted to my personal checking on XXXX. 

Later I tried to add my account several times but failed each time and with each attempt my personal online banking account was locked. I called several times and had several online conversations. 

XXXX instructed me to contact Synchrony Bank but Synchrony Bank had told me to contact XXXX. I am getting the run-around from XXXX. I asked for a supervisor but was blind transferred to an automated line. Today is XX/XX/XXXX and my account is not reflecting correct figures. I don't know if I'm paying interest on a balance I have already paid. 

I have spent too much time trying to straighten out this account. I have n

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: DISCOVER BANK
State: NY
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. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: Kriya Capital, LLC
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a phone call from XXXX. When I answered, they hung up. I called them back, it was a business called XXXX XXXX XXXX. I spoke with a man and requested he give me the mailing address for his company, that I would like to send him correspondence on not contacting me anymore. I asked for their mailing address no fewer than 6 times, and when I finally realized he was not going to tell me I asked him to take my number off their list. They called me at work, and I thought I missed a legitimate phone call. I do not have any debts in collections, I should not be receiving phone calls from debt collectors at all. But calling and then hanging up on me when I answer is ridiculous and childish. Failing to provide me with their mailing address so I can ask them to stop contacting me is ridiculous and childish. This is the first correspondence I've had with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: FlexShopper, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I never requested or submitted an application to XXXX XXXX I never Received a card at my address which lead me to discredit the callers calling about any collections on this account valid. I never Bad established credit or had ever been approved for a credit card until 2019 when I applied For a secured credit card. Prior to this I was Always denied. I never Had a credit card prior to this or to my knowledge was ever given the opportunity. If this collection or debt is valid then it was not done by me and if so it was impossible since I never received any card or evidence by mail it would be physically impossible! 

I also never received any type of service from FLEX SHOPPER. 

I have e-mails where I had finally been lead to believe they accepted my situation where I never ordered or received any of their products that had been suggested I ordered Regardless I never Received any such item at my address or I would have refused or returned such items I had No clue of. After Flex shopper conducted their own extent of investigating this they concluded that everything I had told them to be true and would refund this apparent account I had. I assumed that would suffice and that would be the end of it. I had Never heard of the company before and I explained all this to them. They acknowledge this in this emails and here I am Years later still trying to provide my supporting documentation years later to be relieved of these false reports which are unfair but completely inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The account XXXX XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever.

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