BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield Associates is falsely reporting 2 collections accounts on my XXXX, XXXX, and XXXX  credit reports. I have recently just disputed these accounts and asked for verification of these said debts. Neither of the 2 said accounts have an ACCOUNT NUMBER to the said account. 1st dated XX/XX/2018 ( {$1800.00} ) The 2nd acoount XX/XX/2018 ( {$1900.00} ). No account numbers nor any verification of these debts have been satisfied by me. I have no contract with Wakefield Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I ordered my credit report in XX/XX/XXXX, and looking on it I found a credit item that I didnt recognize, so I tried reaching out to them which is called XXXX XXXX and ask for verification of the debt, I spoke with someone on the phone and they said they would send something out, I never received anything, so then I sent in a letter requesting the information on XX/XX/XXXX via certified mail, Still I havent received anything yet So I tried to dispute with Experian twice and they keep sending the report back as accurate, without showing me how they verified it, I asked to see something with my signature or a canceled check stating it is mine, and they are refusing to prove the debt to 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 2023-07-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my consumer report I noticed a suspicious account and I need the account to be validated. According to 15 U.S. Code 1692 ( a ) " There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. " So, I need this alleged debt that is on my consumer report to validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened my HomeDepot card last year in XXXX while doing some updates to my home. The next month I went online to pay the total balance. Iogged in and I paid the total balance off and believed I was good to go. WRONG last month XX/XX/2019 I received an email alerting me of a delinquency and drop in my credit score. Come to find that HomeDepot Credit Card was stating I owed over {$130.00} I got on the phone and called to find out what was going on. Apparently they charged me a late fee of {$27.00} and another late fee and another late fee total amount due was {$130.00}. I spoke to an agent and they had no concern for the issue they said no sorry you didn't pay on time and you did not make a payment in XXXX, XXXX or XXXX. I must have talked to 6 different people and One agent waived one fee. They offered no solution no explanation as to why it was not on the statement the day I paid it in full. Crickets is all i heard NO one had the answer. I pay my bills on time, early when possible I had a great credit score and now my credit score has dropped over 100 points. That is so wrong. I paid the balance off. If there was a late fee I should have been able to pay it. If the system didn't show me how am i suppose to know that there is an outstanding fee. Per the CARD act credit card companies can not charge you more than 3 % of the minimum amount due. I had a XXXX balance. Again how is it possible that I now owe {$130.00}. I hold both Citi Bank and Home Depot responsible. This is not honest way of doing business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
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: Information belongs to someone else

Complaint:
This is Not mines

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 2018-09-29
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 have a item on my credit file with XXXX, TransUnion, XXXX that I am trying to verify that I even owe the debt. The original creditor is : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. The det collector assigned to collect this debt is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. 
I have sent letters of validation/verification to the original creditor. The first letter was sent non-certified on XX/XX/2018 it was returned. The second letter was sent certified on XX/XX/2018 it was returned and could not be forward. After each letter was returned I disputed this debt with the three main credit bureaus listed above. Each time the credit bureaus would refuse to remove an unverifiable debt. The three credit bureaus would send me paper work stating that the debt is verified as accurate. I have tried to contact the original creditor by US mail to verifie/validate this debt and I can not. By keeping non verifiable information on my credit file is a violation of FCRA.

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 2021-06-06
Company: Grain Technology, Inc.
State: AZ
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 emailed Grain multiple times starting on XX/XX/2021 to change my bank account on file so my payments can be on time. I received no response and its now XX/XX/2021. I have called them multiple times, nobody ever picks up the phone, I have texted them multiple times, no response. I have emailed them on XX/XX/2021, XX/XX/2021, and now today XX/XX/2021 and no response. I really dont want them reporting this to the credit bureaus because I am actually trying to fix this and pay my now past due balance because nobody would ever help me. My connected XXXX XXXX XXXX account is closed!!!! So payments will be returned. Once they report that my supposedly past due to the credit bureaus, that needs to be reversed because this is ridiculous and they are refusing payment and are refusing to update my bank account. Since they wont get back to me. This leaves no choice to file this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-23
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Sears Credit Card ( Citi Bank ) with their interst rate. I will never be able to pay. {$220.00} times 2. on XXXX17. and it also affects my credit scores. BEST Buy (. CITI BANK ) INTERST RATES THERE ARE WAY TO HIGH.

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 2023-05-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Below is credit hard inquiries on my credit report that I do not recognize without my consent : Please have removed as soon as possible for XXXX from Credit report. 

XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The problem its with CONNS XXXX. At the time of the purchase. They give me two lines of credit. Spread the total between both accounts to I dont see the extra insurance and warranty they add without informed me. When I get late, they add a huge amount of interest and call me everyday about 8 to 12 times a day. At the time of the purchase 3 years ago the cost was {$5800.00} and as todays day I have pay {$3900.00} and they said Im still own to them {$7100.00}, how its this posible?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Greentree has falsified documentation as to my home affordable loan. I have record that show how many times I applied starting in XXXX. XXXX XXXX was my reprehensive that harassed ma and lied about paper work. I have a folder of everything. I have a copy of a letter I wrote to hem on XX/XX/XXXX about all these issues..Greentree states that I denied help for a modification. It took many frustrated days until I finally got a mediator XXXX XXXX XX/XX/XXXX. Because it didn't matter all the faxing, talking was getting me nowhere. I have documentation to show all. When XXXX XXXX summited everything I sent to them, they had not choice but finally get the program I needed and had applied for. 
There facts are lies. And Ditech is doing the same dishonest things. Telling me after the hurricane that they were here to help. I took advantage of that and in XXXX the were threating me foreclose for {$3500.00} and added {$630.00} for interest ... I started to pay and extra {$500.00} a month but they came after me ... I sent them 3 Hurricane checks. In XXXX and the first of XXXX. Its now XXXX And they have held my money and lost one of the checks. The told me I must have sent it to another address. NOT. I called my insurance company and the told me the checks were deposited to the bank on XXXX XXXX 
Greentree and Diteck are sister companies and Diteck took over Greentree. Told to me by one of the employees a week ago. This is not a company that can be trusted. 
I have lived in this home for 40 years and I plan to keep it ....

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Convergent Resources, Inc.
State: MS
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 filed complaint number XXXX with you regarding XXXX account filed by XXXX on my XXXX credit report. You sent my complaint to the Credit Bureau asking for VALIDATION. CONVERGENT  BOUGHT THE DEBT AND sent me a letter saying that they " verified '' the debt on XXXX XXXX XXXX I then called XXXX again. I initially called in XX/XX/XXXX and obtained Reference # XXXX ; I called again XX/XX/XXXX, reference # XXXX ; and XXXX XXXX XXXX reference # XXXX. Each time XXXX said I DO NOT OWE THE DEBT AS THE DEVICE WAS RETURNED DURING TRIAL PERIOD. I filed the complaint with you. CONVERGENT RESPONDED BUT did not VALIDATE THE DEBT. I sent them a letter which I will attach. I will also attach their response. I have been denied credit because of fraudulent reporting of this debt. They have violated my rights AGAIN. I WILL ALSO REPORT THEM TO FTC. XXXX should immediately remove this from my credit report, and Convergent should destroy this debt and not sell it to someone else. IT WAS ALREADY REPORTED TO YOU AND THIS WAS THEIR RESPONSE, JUST TO SEND AN OLD BILL WITHOUT VALIDATION. I HAVE THE RECORDED CONVERSATION OF ME AND XXXX FROM XX/XX/XXXX, BUT THERE IS NOT A WAY TO UPLOAD IT TO YOU. I WILL KEEP IT FOR COURT IF I HAVE TO.

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 2019-06-04
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX, I requested the interest rate charged per month again and Credit Acceptance refuses to do this. Credit Acceptance refuses to credit me the proper refund since I cancelled a worthless warranty on XX/XX/XXXX {$1700.00} rolled into a 22.99 % auto loan. I cancelled this XX/XX/XXXX, and only received a {$1700.00} credit. I asked for a print out of payments I made monthly ( 10 ) towards the XXXX on loan. From XX/XX/XXXX to XX/XX/XXXX. 14 payments are due to me as a refund plus pre-calculated compound interest.They refuse.Predatory lending and unfair-deceptive consumer fraud- for they never ran my credit report. How did they arrive at 22.99 %?, they refuse to answer. 
I told them they are charging interest more than the car is really worth. No answer. Predatory lending. I told them there is no compound interest in Arizona or pre-calculated interest by lay. No answer. I requested my pay history and pay off statement showing the monthly interest. Credit Acceptance is a predatory lender.

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 2023-01-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was given misleading information on my morgage forbearance i was applying for under the misdirection of each carington agent i spoke to for almost 2 years. I was miss lead by carington morgage agents 1000 %. I almost lost my home. My home went into foreclosure. I took a personal loan out to pay them the full amount they demanaded which was the only option they gave me XXXX in full. In XX/XX/2022 payment was made and account XXXX. I made my payment of XXXX in XXXX. They have now sent me my morgage bill stating i owe them another XXXX for late fees. Please help me. I have paid them so much money that is unaccounted for. I feel i can do nothing because this is my home. My credit is ruined, i have paid them the extream amounts they have asked but they continue to add misallnious late fees for the morgage payments i was trying to fill out for to get assistance. They told me incorrect information and times. Then put a dead line on it and told me my home was in foreclosure. Pay this full amount. They wouldnt even take a single payment. Demanded total in full. I had no choice but to take a personal loan out to pay them. Now 2 months later i owe another XXXX help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After sending them a letter to verify a XXXX  account that they claim I owe for {$1000.00}, the company Enhanced Recovery Company , LLC ( ERC XXXX replied back to me on XX/XX/XXXX with a letter indicating that they could not verify the debt and will ceased all collection activity as well as deleting item from the consumer reporting agency. However, on XX/XX/XXXX, I received a letter from ERC stating that I have a debt and I owe XXXX  for {$1000.00}. This company keeps trying to claim a debt that I do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
USAA Savings Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: AMERICAN EXPRESS COMPANY
State: WI
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:
These 3 hard inquiries are on my credit report and I vehemently deny ever applying for these cards. I am despartely trying hard to repair my credit and none of these companies will work with me. With regards to the XXXX credit, I have used XXXX for over 10 years and have never tried for credit at XXXX. They will not help me remove this. 


AMERICAN EXPRESS Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX PO BOX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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:
Experian is at least XXXX point off on my XXXX XXXX. The other XXXX reporting companies have me at XXXX and XXXX company does nothing to fix this even though their misinformation is ruining my life. This company cares about no one but profits. The only thing they do update on a daily basis is the amount of emails and app notifications about signing up for a monthly credit reporting with XXXX. This looks like a pay to play scheme. I am truly fed up with this company ruining my life. I would be a great day when they fix their injustice and reply to me something that its not a copy paste message. Now I cant even get free credit report because experian runs it and they want {$25.00}. This is disgusting.

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 2021-02-04
Company: Wallace Management Company, LLC
State: NM
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:
Today, XX/XX/2021, there is a hard inquiry on my credit report from Wallace Mgt-dixie Fi Personal Loan. I have never applied for a personal loan with this company and need this removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
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: Account information incorrect

Complaint:
I do NOT owe anything on this XXXX XXXX account and it still is listed that I do hurting my credit scores. This information needs to be resolved ASAP. 

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2017-12-14
Company: Experian Information Solutions 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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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