BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. 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. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your  company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
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 went to do an extension for my auto loan when i was leaving the country for vacation. I did not get a piece of paper i needed to sign and return to make it happen. So i made every payment since then for my account but because i did not make that one it has been showing on my credit score as 3 missed payments which is not correct at all. 1 missed month but it wasn't even missed in reality. They just didn't tell me about the piece of paper i needed to sign because i would have told them i will be gone for a month and not able to get the paperwork anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen which resulted in me having a collection account with Enhancement recovery and I tried to dispute the account and they wouldnt remove it I even agreed to settle the account and they still wont delete even knowing that I was a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20
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:
On XX/XX/XXXX, I got a notification from XXXX about a change to my credit report. XXXX XXXX XXXX was reporting me as 150+ days late. I had entered a forbearance in XX/XX/XXXX un the CARES act as my salary had been temporarily cut. At the end of the forbearance period in XXXX or XXXX, I was unable to pay the in arrears amount in full. I was given the option to repay over 6 months ( which I could not ) or a modification. I paid the new amount on time each month. It is my understanding that under the CARES act, the mortgage company should continue to report the account as current since it was current before I entered the forbearance period. I immediately called XXXX XXXX XXXX on XX/XX/XXXX and they admitted it was reported in error and they would reverse it, but it could take 30 days. It is still reporting as late on all 3 bureaus. I called XXXX XXXX XXXX on XX/XX/XXXX. The initial Customer Service Representative told me they did not follow the CARES Act. I asked to speak to a supervisor. They told me they would correct the information and would get back to me on Monday XX/XX/XXXX. I still have yet to receive a call. This error has caused my credit scores to drop 100-200 points, depending on the score. Several credit cards have dropped my limits by thousands of dollars. This made my score drop more as it my utilization go up.

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 2018-10-17
Company: ENCORE CAPITAL GROUP INC.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX continues to call dispite being informed to cease all forms of communication ( oral and written ),  a violation of the FDCPA. This company calls from the numbers of XXXX and XXXX. 

All of my debts are long past the statute of limitations. I retain and can supply a copy of my XXXX Credit Report which proves that all debts are 10 years old or older. Thus, there is an absolute bar for any form of litigation. 

In accordance with the FDCPA, a debt collector MUST stop all forms of communication once they are informed to do so in writing. My past written letters to MCM have been ignored. Thus, I am using this complaint as a formal written cease and desist informing MCM to cease all forms of communications concerning any and all past debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
Please review the attached documentation. I was a litigant in a class action lawsuit against Early Warning and received a settlement payment for Early Warning reporting inaccurate and incorrect information on my consumer report # : XXXX. Early Warning continues to report fraudulent information on my Early Warning Consumer Report. All the information of bank checking accounts listed on my consumer report is fraudulent information. I have never ever had a checking account in my entire life. Its all fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Made an ATM debit purchase at XXXX store on XX/XX/11 against a checking account ending XXXX. I also have XXXX  XXXX  Chase Offer loaded ( see attached ) for XXXX store or online order. I even try calling the bank before making the purchase but they were closed due to the XXXX XXXX XXXX holiday to re-confirm what ones told I should use the ATM card to take advantage of the offer ( the offer does not say how to use it - write a check or used the card ). Still, nothing online to indicate I have fulfilled the offer, and my attempts to contact Chase failed : calling in won't transfer me to CSR unless I select to report ATM card lost /stolen, and communication through Message Center did not yield the results I expected ( see attached )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01
Company: EQUIFAX, INC.
State: NJ
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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: Bridgecrest Acceptance Corporation
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I bought a car from XXXX in XXXX of XXXX. I made a downpayment of {$9900.00} and financed the rest of the costs. 
On XX/XX/XXXX I signed a contract with XXXX setting up auto pay on the loan. I have included the entire contract, attached here. The relevant pages are XXXX and XXXX. 
On XX/XX/XXXX I received a confirmation from Bridgecrest, stating that the auto payment was set up. The email is titled " Enrollment in Bridgecrest Autopay. '' It was sent by Bridgecrest customer service. I have included a copy of the email, attached here.

That's the last I heard from Bridgecrest. I see now that they never deducted any money from my account. They say they sent me emails regarding payments past due, but I did not receive them. Perhaps they went to my spam folder. 

On XX/XX/XXXX, Bridgecrest repossessed my car. They towed it off my street. I was stunned. I thought the car was stolen. I have a near perfect credit score. I've never missed a payment on anything. 

I've spent hours since trying to sort it out. First with the police, then with XXXX and Bridgecrest. Bridgecrest blames XXXX and XXXX blames Bridecrest.

I would like Bridgecrest/Carvana to repair the damage done to my credit. I would like Bridgecrest/Carvana to contact all the relevant credit companies and to send me copies of letters sent. I would like the fees and fines I paid to Bridgecrest refunded to me. Additionally, I would like to be reimbursed for my time and travel. 
I had to travel from my apartment in XXXX to XXXX NY to retrieve my car. It took all day. 

My credit score, which was XXXX, is now XXXX. XXXX and Bridgecrest 's mistake could impact me for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE ACCOUNT LISTED DOES NOT BELONG TO ME THIS IS NOT MY DEBT I am writing to request and initiate a formal complaint against CREDENCE RESOURCE MANA, XXXX, XXXX  and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: McCarthy, Burgess & Wolff, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We sold our business on XX/XX/2020. We waited until XX/XX/2020 to close down our mobile service with XXXX. We called several times to cancel the account and switch services. I went with my existing wifes plan and my parents chose to start their new plan in XX/XX/2020. Now, we are told we owe on monthly services we didnt use due to new accounts and phones XXXX said they didnt receive. {$280.00} for a month unused. The phones were returned and XXXX has the tracking numbers. I called today and they said their mistake, they found 3 of the 5 phones were returned. They still cant track the forth phone. I called the collection agency and they told me I have to call to update their billing. My complaint is with XXXX for sending a bill to a collection agency that they admit was incorrect. My 2nd complaint is with the collection agency that just wants to get paid and ignore that fact that I do NOT owe the amount they are calling and emailing about paying. 
The collection agency is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ext XXXX XXXX acct # XXXX XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I submitted a dispute with XXXX XXXX XXXX XXXX, and with all three credit bureaus for inaccurate and unverifiable information with a charge off the is being reported on my credit report. There is a charge showing with XXXX  in the amount of {$4.00}, Equifax- {$8300.00}, and Experian is reporting {$4000.00}. There are multiple inaccurate with this report. 

1. The balances dont match. 
2. the late payments dont match 3.This account has not been verified by the credit burueas I asked them to send me a copy of the sell and what they for the vehicle, and a proof of debt them and XXXX XXXX failed to provide me with any of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XX/XX/2018 I am being hit with 2 Hard Inquiry 's from XXXX card I never made or authorized said inquiry 's I tried calling XXXX which they had said they would remove these inquiry 's due to the fact they are fraud and I did not currently request a XXXX Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Kriya Capital, 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 received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. 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. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
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: Investigation took more than 30 days

Complaint:
For over a year I have been trying to get XXXX XXXX XXXX XXXX ( XXXX ) to report my car loan to Equifax. I was having problems getting a resolution with the main customer service center and I was then referred to the Office of the President to have my issue resolved. My issue was then resolved back in XX/XX/2018. Equifax has been experiencing security breeches so I constantly stay abreast of my report. I noticed once again that my car loan through XXXX XXXX XXXX XXXX ( XXXX  ) was removed again. I called to get it resolved and was told to get a copy of my report directly from Equifax to confirm. I called Equifax and they confirmed it is not on my report and I also received my report from them which was 83 pages. Indeed it is not on my report. I was told by XXXX to send a copy of the report so they can verify that it is not there. I did not feel comfortable sending my report and asked for another way. I was told there is no other way. This seems unreasonable. If they have a direct contact with Equifax I'd rather them utilize it rather than harassing me for my credit report. This is keeping my score from increasing. I keep getting bounced from person to person at XXXX and even though I ask for a supervisor I dont get one. I was only able to leave a message one time for a supervisor and that person never called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I wasnt aware that I had a previous balance on this card with purchase return I thought I had a credit balance and they charged me late fee and its not exceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During Covid I missed monthly payment. The following month I was able to make a payment. The XXXX month after I was able to make a payment. The XXXX month after I made a double payment to make my mortgage current. The problem is that they did not apply my double payment on the day i made it and are reporting that I was more than 60 days late on a payment. I have called numerous times to resolve this issue and they basically refuse. I am looking to refinance and it is basically impossible if your payment history shows you have been more than 60 days late on a payment.

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 2019-05-28
Company: EQUIFAX, INC.
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 was recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and thats was unusual. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this on my own behalf and I need this taking care of as soon as possible. I've reported to the FTC and the police. I'm doing this on my own behalf. 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 2019-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. 

Transunion & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.

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 2021-05-05
Company: Comerica
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Money was removed from my direct express social security card.my XXXX removed XX/XX/XXXX, the deposit arrived XX/XX/XXXX. The total amount removed from my account {$970.00} during the fourth quarter XXXX. I FOUND THE TOTAL STOLEN ONCE INVESTIGATING THE XXXX INCIDENT. For 90 days I requested help. Instead I was stalled, ignored, misdirected, hung up on. No provisional credit was issued. XXXX touted the cards safety. All lies.Certifued letters, faxes, e mails, have all gone unanswered.Direct Express or Comerica claim they can't help.Apparently thousands of others are having the same problem. DIRECT EXPRESS AND COMERICA ARE AGENTS OF THE TREASURY. Ithink they may be directly involved in the fraud.Simply don, t want to refund the losses. I WANT MY {$970.00} RETURNED.They have complete substantiation. PLEASE inform the FBI.and provide visibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Community Cash Management Corp.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After sending written notice twice and filing a complaint here, I received an e mail from the company assuring me my number was removed from the database, but still getting more calls. 

My previous complaint.. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Debt collection Issue : Communication tactics

Company response to consumer: Closed with explanation