BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
This company Midland Credit Management aka MCM keeps calling my work although I have told them repeatedly no personal phone calls are allowed. 

Today the rude lady would not give me her name or any information They called again today at XXXX PST. I have no known business with this creditor and they are not allowed to call my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX 2017 was reported late 60 days past due.

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 2018-01-05
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I made a final payment to XXXX to close my account on XX/XX/XXXX. This included a $ XXXX charge for an old phone only worth {$150.00} by trade-in! That payment was lost by XXXX, but I was not informed. I logged on to their website to download an old bill for my files and saw the outstanding balance. I contacted them and provided proof of payment. Yesterday, I got a credit alert saying I had a new collection account from Allied Collection Services, who I have never heard of or from. The note on the alert says " XXXX '' as original creditor. Not only is this debt invalid, the collection agency failed to send proper notification of the debt or option to dispute. I have never, ever gotten correspondence from Allied.

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 2019-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have requested several times to transunion delete a remark in my report over my closed account XXXX XXXX. It says the account is a charge off, settled less than full balance. This is incorrect and the dispute I made with them in XXXX of 2018 tells the account was paid in full. Even the dispute confirm what I'm saying and even I have phone to claim this, still the reports is showing this remark. 

- I requested a month ago to check a paytment it was done to the only loan I'm carrying, with XXXX, but Transunion has deleted the account instead show this paytment. I have check with XXXX, the creditor, and they assure they didn't take any action and that they are reporting all the paytments.

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 2022-08-09
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife at the time and I purchased the house in XXXX with a 10 year interest only loan before the mortgage bubble burst. The original loan was with XXXX before being sold to a private investor that use XXXX  XXXX XXXX. After the loan was sold we tried to refinance but could not find any assistance because the house was upside down and our loan was not with XXXX XXXX or XXXX XXXX. Before the 10 years was up my wife and I divorced and I tried for a modification because of the loss of income and received a modification with a 5 % interest rate while the national average was a little more than 2 %. This was in XXXX. At the time my credit score was roughly between 830 and 840. I was told I did not qualify for any programs the government was providing because my mortgage wasnt under XXXX XXXX and XXXX XXXX. This was is the response we would receive from XXXX XXXX XXXX whenever we try to refinance like other neighbors with homes that were valued less than what they paid for. I was not able to get the same assistance others in the community were receiving. Selene later became the mortgage provider and offered a modification at 6 %. Im looking for a reasonable mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX continually reports incorrect information on my Equifax credit report for the Date of First Delinquency ( DOFD ). They currently show the DOFD as XX/XX/XXXX which I have disputed with the CRA and XXXX multiple times to no avail. According to the FCRA 623 ( a ) ( 5 ) ( A ) When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month, and year the consumer 's delinquency resulting in the referral began. This first delinquency leading to charge off was XX/XX/XXXX when I first became delinquent ( 30 days ) leading up to a charge off status NOT XX/XX/XXXX ( the date of charge off status ) as they continually report knowing it is, in fact, inaccurate and a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They have put a collection on my credit file. The debt they say that I owe has been paid. The company asked me to sent them the copies of the money orders that I paid them with. I did send the money orders. I have repeatly spoke to them ; my sister as well spoke to them and told them that this bill was paid. They asked my sister to even fax then the money order receipts ; my sister did faxed. I do not owne them and they are trying to get me to pay double.

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 2019-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a certified letter to XXXX XXXX XXXX  ( XXXX ) on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. I received a reply from XXXX dated XX/XX/XXXX stating that their investigation was complete and stated the account was being reported correctly. 

I waited 37 days to verify XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Trans Union stating that XXXX did not notify Trans Union about my dispute along with a copy of my initial dispute letter to XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Trans Union has disregarded my proof of XXXX XXXX XXXX XXXX violation of the law and refuses to remove this trade-line.

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 2019-09-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was attempting to buy tickets through an online server from an independent poster. The poster requested that I pay through XXXX. I chose to use XXXX by Chase. I was unaware that there was no grace period upon transferring money. I realized that I was being scammed about ten minutes after the transfer and called Chase some thirty minutes later. They informed me that there was nothing they could do. I am very frustrated. There should be safeguards in place for this sort of thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account with HSBC USA on XX/XX/18, with a promotional mailer offer to deposit {$10000.00} in new money and maintain at least {$10000.00} for 90 calendar days. The offer was to receive {$400.00} for meeting these requirements. 

I fulfilled these requirements, but HSBC USA never honored the promotion. I contacted customer service several times, and was told they would get back to me, each time. But I never received any resolution, despite several inquiries. It is now more than 10 months later, and I have continuously maintained the account balance at {$10000.00} or more since opening the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a notice that my account had been temporarily locked and is under review. I received this letter by mail on XX/XX/2021. With this notice came the inability to access my account online, pay bills, or access the account at a branch location ( this includes the ability to withdraw or deposit funds ). I called the fraud division to try to help answer any questions and even went into multiple branches to aid the process. All personal from the company informed me that there was no information they could give me, no time frame, and no one to talk to about the issue. This is still ongoing and it has been 40 days as of XX/XX/2021. I have no way to pay my bills, access my funds, and I can not get somebody to explain to me what is going on.

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 2019-09-29
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I informed the company of having no knowledge of the debt and that it was due t ok ID theft and they refuse to stop reporting the debt on my credit report causing damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
To whom this may concern, I have requested that Fifth Third Bank remove a charge off account on my credit report for the past two years and they have refused to do so. I have disputed the account as well several times with no luck. I had a secure credit card with Fifth Third Bank, which they are not reporting to the Credit Bureaus, and while I had the secure credit card, XXXX XXXX XXXX of XXXX was unlawfully charging my credit card which made me have a really high balance. XXXX XXXX had a lawsuit against them, which I received a letter for, because they were charging individuals without their permission. I have explained this to Fifth Third Bank at least fifteen times over the past two year and they have done nothing about it. I feel as though I should not be responsible for XXXX XXXX charging my account without my permission and for Fifth Third allowing them to continuously charge my account without calling or sending me notification of the activity that was taking place with my credit card as a safety precaution. If they would have notified me of this activity, I may have been able to stop the charges from happening and avoiding this destroying my credit. At this point, I am requesting again that Fifth Third Bank deletes this information from my credit report as I was not the individual charging the account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander gave XXXX XXXX a fraudulent loan. Car purchase price was {$13000.00} and I put {$2500.00} down. However Santander charged me for a loan at XXXX. I could not afford a loan that high at 21 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: GA
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 credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Avant Credit Corporation
State: AZ
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:
XXXX XXXX was reported late 60 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX 2017 any public record data must include name, address as well as SSN and DOB in order for it to appear on your credit file not to mention it should also be verified. The credit bureau has failed to update the information and per the new law true bankruptcy listed does not contain this information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: CA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called to dispute about multiple hard inquires listed on my credit report with TransUnion. There are XXXX inquiries counted separately for one auto loan application with XXXX XXXX XXXX. They are listed below.
I asked for these to be removed but the TransUnion representative said they are counted separately.
<P/>
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/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 2022-08-11
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened a Kraken  account on XX/XX/XXXX. This included providing copious amounts of PII ( understandably ) and successfully inking my checking account for currency purchases. After confirmation that my account was opened and checking account linked, I put in a purchase order for {$250.00} of XXXX cryptocurrency. The order was placed ( minus Kraken  's fee ). I then attempted a {$250.00} purchase of another currency -- - and was told that the purchase could not go through. The next day, I was told that I could not purchase through my checking account, but could use a debit card -- - and a transaction fee to Kraken that was 300 % higher. It appeared to be some sort of bait-and-switch. They told me my checking account could not be used. I checked the balance in my checking account and found nothing had been deducted. I unlinked the account. A day or so later, I was told that my Kraken account had been closed. Shortly after that, I received an email stating I needed to arrange for payment of the {$250.00}. I explained that they initailly accepted by checking account ; they had closed my account; and I had unlinked it. Over the next two weeks there were several back-and-forth emails from agents -- - always sent around XXXX XXXX time. I had also seen XXXX rise in value about 20 %. They stated I had made the purchase and wanted me to empty my account. I asked for a full accounting. On XX/XX/XXXX, I received an email stating that my account was opened and I needed to withdraw the credit balance of {$46.00}. I was able to log-on and successfully re-linked my checking account ; but when I applied for withdrawal, Kraken again stated my checking account could not be used. I unlinked the checking account again. I am demanding a check for my balance of {$46.00} to be sent to me via USPS. This is an unscrupulous and dishonest organization. They have an F rating with the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I started this journey XX/XX/XXXX of this year when I checked my credit and noticed several accounts from Account Resolution Service account numbers XXXX ( {$420.00} ),  XXXX ( {$1300.00} ), XXXX ( {$1000.00} ), XXXX ( XX/XX/XXXX ), XXXX ( {$1400.00} ),  XXXX ( {$1000.00} ). I originally contacted the credit bureaus to dispute the accounts due to the accounts not belonging to me and is not something that I recognize. I also pointed out reporting errors with the listings as it should be reporting 100 % accurately and asked for proof of verification received from Account Resolution Service and did not receive anything but a generic response with no proof. After 2 attempts I contacted Account Resolution directly on XX/XX/XXXX via certified mail USPS #  XXXX attempted delivery on XX/XX/XXXX at XXXX XXXX letter was not delivered due to no access to delivery location. How is it possible for them to provide an address that the postal service can not access? This type of practice does not seem ethical. In the letter I asked for them to verify they are attempting to collect from the correct person. I also requested they send me competent evidence with a full accounting and original contract. These accounts are still reporting on my credit which they shouldn't because no one seems to have the proper documentation and accounting so these should be removed as I am not responsible for these debts. Please provide validation of the accounts especially since I never received any notice/statement from you stating you're trying to collect on an alleged 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 2019-03-01
Company: Collection Bureau of Fort Walton Beach, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notification early XX/XX/XXXX from XXXX XXXX that account has been placed in collections. This account is from XX/XX/XXXX no specified date I have no knowledge of this account no knowledge of this company and never received any services from this company. I took a look at the XXXX reviews for this company and it seems that multiple people have had the same issue for the same date in the same year. This is fraudulent it has had a negative impact on my credit. The name of this company is XXXX XXXX. Located XXXX XXXX XXXX XXXX XXXX Michigan 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