BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: CCS Financial Services, Inc.
State: NY
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on CREDIT COLLECTION SERV ( Original Creditor : XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: BBVA FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent money to someone nearly three weeks ago. The money was not claimed. The bank advertises that it will be sent back to me after 14 days that has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CITIBANK, N.A.
State: CA
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 AM VICTIM OF AN IDENTITY HTEFT REPORT AND I DON'T KNOW WHO BUT SOMEONE STOLE MY INFORMATION AND OPENED A CREDIT CARD AND MADE FRAUDULENT CHARGES. I HAVE REACHED OUT TO ALL THE BUREAUS I HAVE SENT THEM MY IDENTITY THEFT 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 2020-06-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
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:
Fifth Third Secured Credit card opened without my knowledge but appears on XXXX credit report, carries a balance has been active > 90 days and is impacting my credit score. Have tried to contact customer support at both companies and they could not resolve issue. I do not see the card listed under my account details when I log in to my bank account. I believe this may be a technical issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 54 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 54 days so they should be deleted promptly.

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 2017-11-12
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This letter is in response to your collection on my credit report which was opened on XXXX XXXX, XXXX. Since the amount is so small, I wish to save us both some time and effort by settling this debt. Please be aware that this is not an acknowledgment or acceptance of the debt, nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I am willing to pay this debt in full in return for your agreement to remove all information regarding this debt from the credit reporting agencies within XXXX calendar days of payment. 
If you agree to the terms, I will send certified payment in the amount of {XXXX payable to COLLECTION BUREAU OF FT in exchange to have all information related to this debt removed from all of my credit files. If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of COLLECTION BUREAU OF FT. The letter will be treated as a contract and subject to the laws of my state. As granted by the Fair Debt Collection Practices Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Source Receivables Management LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
SOURCE RECEIVABLES MANAGEMENT, is attempting to collect a debt for XXXX that has been paid in full. This is reporting as a derogatory mark on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I am looking at my credit file and I notice a few error on my file. I live ar XXXX XXXX XXXX XXXX OH XXXX. Please remove the following address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
The follow accounts are not mine 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 explanation
Consumer complaint received 2020-04-29
Company: Allied Collection Services, Inc. (Nevada)
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016, I noticed on my credit report that it indicated that XXXX had a negative collection on my report from Allied Collection Services from the XXXX XXXX XXXX in XXXX XXXX for {$310.00}. I've never been or have stayed at the XXXX XXXX. I've disputed the collection, but XXXX  responded and said the information was accurate. I never received any collection notice in the mail stating such collection. I would like to resolve this issue and have it removed 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 2020-04-29
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sequium Asset Solutions is trying to collect a debt from XXXX which has been paid. They have violated the FDCPA by refusing to send any documentation which and an actual notice of their attempt to collect a debt. Even though they are calling from XXXX, Georgia they are spoofing number to make them appear local. Apparently, according to the internet they have a long history of violations. This is regarding an account for XXXX XXXX XXXX, XXXX XXXX, CA 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 2020-04-29
Company: DISCOVER BANK
State: CA
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 AM VICTIM OF AN IDENTITY THEFT AND THE THE CREDIT CARDS OPENED UNDER MY NAME ARE FRAUDULENT, SOMEONE STOLE MY INFORMATION AND OPENED THE CREDIT CARDS. THE CHARGES AND THE CARDS ARE FRAUDULENT. I HAVE NO IDEA WHO STOLE, Y INFORMATION AND OR WHERE THE CHARGES WERE MADE. I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSIONS OFFICE AND MY LOCAL POLICE DEPARTMENT. I DONT KNOW HAT ELSE I NEED TO DO TO PROVE MY INNOCENSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24
Company: ID Analytics, 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: Account information incorrect

Complaint:
I requested a car loan. I received a letter from XXXX XXXX   stating our XXXX XXXX credit score was XXXX. 
My credit score from Sagestream LLC was XXXX. 
How can they possible have such a lower score than the other three reporting credit bureau 's? 
I do not think this was fair and I think they have a lot of errors. 
This is not a reputable credit reporting agency and I do not feel they should have consumers private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: WA
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:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account 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 explanation
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account 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 explanation
Consumer complaint received 2018-11-14
Company: EQUIFAX, INC.
State: WA
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:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: Navient Solutions, LLC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: NCB Management Services Inc.
State: TN
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:
Got a call from a collection agency wanting me to pay a debt that I didnt know about, but I investigated it and it had been on there for a long time but I didnt fell like it was mine because I have never taken out a payday loan in my life. Collection agency kept calling and I wanted this gone so we settled on {$3000.00} and I payed it in one payment and that was 2yrs ago and its still on there. I willing to do whatever to get this off of me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to Hurricane Irma, I sustained economic loss and incurred financial hardship. I live in south Florida, and we were declared a natural disaster area by our governor. As such, I called my mortgage company, Specialized loan services and requested a 3 month deferment due to my financial hardship. SLS stated they could only approve 2 months and not 3 months. I received a letter in the mail dated XX/XX/XXXX that my 2 month deferred was approved and my next mortgage payment would be XX/XX/XXXX. The 2 months that were deferred were moved to the end of my loan to XX/XX/XXXX. 
This month, I called SLS to make sure they credited my XX/XX/XXXX payment correctly, and the service agent stated that I had a deferment and the two months that I skipped would be due in XX/XX/XXXX, which is essentially a balloon payment. I was never notified in writing and only found out as the customer service agent told me I did n't have a deferment, but a forbearance with a balloon payment. 
I am attaching the letter from SLS from XX/XX/XXXX which agreed to the deferment and extending the 2 payments to the end of my loan. 
Since this is in writing, I am asking that they honor their original agreement. 
As of this writing, XX/XX/XXXX, I have not received any notification in writing that I am in forbearance. 
I feel like they are setting me up for failure. 
Lastly, although I am in deferment and or forbearance, SLS charges a late fee on my account these pasts months as well as XX/XX/XXXX, and I made a XX/XX/XXXX payment. 
Your assistance is appreciated.

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 2020-06-23
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have a current loan with cash express in XXXX off of XXXX XXXX and I have asked since covid pandemic for them to accept a payment agreement at a lower amount. I am wanting to negotiate a lower interest rate and a smaller payment per month than {$190.00}. I have been told repeatedly that if I do not make my payment that they will sue me. I have been affected by the pandemic and now testing positive for covid recently and I can not afford to pay back on the current terms. I also asked for them to stop the ach withdrawals and I have not recieved any confirmation by way of mail regarding this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Items below, belong to someone else not me. These items are stopping me from buying a home XXXX # XXXX for the amount {$990.00} XXXX # XXXX for the amount {$970.00} XXXX # XXXX for the amount {$900.00} XXXX # XXXX for the amount {$690.00} XXXX # XXXX for the amount {$650.00} XXXX # XXXX for the amount XXXX XXXX XXXX XXXX XXXX # XXXX for the amount {$440.00} XXXX XXXX XXXX # XXXX for the amount {$320.00} XXXX # XXXX for the amount {$220.00} XXXX # XXXX for the amount of {$190.00} XXXX XXXX # XXXX for the amount of {$160.00} XXXX # XXXX FOR THE AMOUNT OF {$120.00} XXXX # XXXX FOR THE AMOUNT {$120.00} XXXX # XXXX FOR THE AMOUNT {$100.00} XXXX # XXXX FOR THE AMOUNT {$84.00} XXXX # XXXX FOR THE AMOUNT {$62.00} DEPT OF ED XXXX XXXX # XXXX FOR THE AMOUNT {$6300.00} XXXX XXXX XXXX XXXX XXXX # XXXX THE AMOUNT IS {$0.00} us dept of ed/XXXX # XXXX for the amount {$3700.00} us dept of ed/XXXX # XXXX for the amount {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am a customer of Wells Fargo. I have been banking with them since we moved to the US in XX/XX/XXXX and have several banking accounts including Mortgages and Brokerage. My issue is regarding CDs with Wells Fargo. We have several CDs with Wells Fargo. There is no information online regarding the maturity date of the CD. This information is not available easily even if we call Wells Fargo. Wells Fargo also does not have the mechanism of taking maturity instructions which was to put the funds in to my checking account. The only option that I have is to call within 7 days of maturity, although there is no information on the maturity date. This is a scam by Wells Fargo to use customer funds available at a cheap cost without the customer 's permission. I lodged a complaint with Wells Fargo on XX/XX/XXXX. I was informed by the Customer Care Executive Office that I would be hearing back in 7 business days ( being the latest possible date ) from the Case Management team. I did not hear from them and called them back on XX/XX/XXXX, at which time I was informed that the case had not been assigned to anyone. They escalated to the Case Management team for assigning a case manager to look into my issue. I called again a few days later and was informed that XXXX has been assigned to the case. Although I requested them to call me, I once again received no response. On calling back today ( XX/XX/XXXX ), I have now been informed that XXXX did not do anything with the case and assigned it to XXXX on XX/XX/XXXX and as has been the pattern, she has not bothered doing anything either. It has been close to 20 days since my complaint to Wells Fargo and they have taken no action. This further feeds my belief that Wells Fargo does not care about its customers and has every intention of using customer funds without authorization. I do intend to move my various banking accounts from Wells Fargo to another bank that cares.

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 2020-04-29
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have disputed these accounts multiple times. Ive filed a police report and filed complaints with the FTC. Experian has been extremely negligent in investigating this issue thoroughly. Experian has admitted that they receive all furnishings from XXXX. XXXX has investigated and and have found the inaccuracies placed on my report and have swiftly acted in removing the inaccuracies. Experian should do the same

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 2019-06-24
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to add to an existing complaint. Complaint No. # : XXXX. NCB XXXX XXXX sent me a letter on XX/XX/2019 claiming they have conducted an investigation into my complaint stating that they can't substantiate the allegations brought against them specifically providing validation of my signature showing that I have some obligation to pay them a debt owed. They still have failed to provide any validation of my signature on any loan or debt obligation to NCB XXXX XXXX. I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Paid $ XXXX/month for four months with no type of assistance. Claimed to be able to fix even just some of the issues on my credit report. In four months they only took one complaint off and it was a bill that had already been paid off. After I cancelled their services I filed complaints with the credit bureaus on my own and resolved over half the issues that needed fixing in less than a month 's time at no expense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My account was set up by my soon to be ex-husband without my consent. He has everything going to him. I need to get the username/email and password updated along with any other personal information used to log into my account.

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