BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-16
Company: Consumer Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My sister received a voicemail of a civil complaint towards me regarding a debt. I called the Company CONSUMER RECOVERY SOLUTIONS XXXX on XX/XX/2019. I set up a payment schedule for a debt of XXXX through XXXX XXXX XXXX. I have signed a contract which I regret doing.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: MI
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, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
A bankruptcy along with non-approved inquiries was dispute over 30 days ago and a removal was requested. I have a certified receipt of delivery of that request. No action has been taken by Equifax as of this date, XXXX17.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of this year I contacted Midland Funding about an account they are attempting to collect on. They responded saying they could not locate an account for me but asked me for additional information as you'll see in the attachment. I then replied stating I was providing them with the exact same information they gave to the credit reporting agencies because that is the information being reported by them. They received that notice by certified mail XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. To this very day despite them not being able to locate the account they are still reporting this account to the credit reporting agencies and verifying it to be accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: Viking Client Services
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I utilized XXXX XXXX 's services during a trip to New York during the dates of XX/XX/XXXX to XX/XX/XXXX. During the trip, I incurred an additional cost due to tolls, when I did not opt-in to their toll program. However, during the vehicle drop off, I was told that no such costs were incurred and I did not owe any additional money other than what was originally agreed upon. I received a receipt for the agreed upon amount that I paid. 

2 months later I received a bill from a debt collection agency for those tolls costs. XXXX XXXX never attempted to reach out to me to get me to pay the fee. It was immediately sent to debt collection with Viking Debt Collections, and because of it I took a serious hit to my credit score. My contact information was available to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: WLCC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX, Human Resources Department received an unsolicited fax from the collection firm purporting to be an Employee Wage Garnishment and demanding payment. The transmission also contained false electronically signed authorization to garnish. On a quick Internet search it appears that this firm is the subject of Alert Number : XXXX ( XX/XX/XXXX ) published by the State of Washington Department of Financial Institutions warning of unlicensed and unlawful debt collection practices from this firm. 

An online complaint has been filed with the CA Attorney General. We also tried to file an online complaint with the FTC but that site is not functioning as a result of the federal government shutdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: URS Holding, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX is the company XXXX is the debt. I have sent multiple letters with return receipt to get proof of debt and they have failed to provide it. They also threatened to sue me so I started making payments not knowing if this debt is mine. They will not take this off my credit. I challenge whether I owe this debt. I got student loans and that should have paid the amount. I am challenging this debt as I do not believe I owe this company any money. They Ave failed to provide proof

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I send Navient a letter regarding the student loans I had with Sallie Mae. I've been making payments as requested. I asked Navient could they provide me the Original Instrument of Indebtedness in it's Original Form. I was misinformed according to Contract Law.

They couldn't provide me with the Original Instrument of Indebtedness in it's Original Form, only copies. I am making a complaint because I was misinformed, mislead, & decieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: U.S. BANCORP
State: NY
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:
On XX/XX/XXXX i received a alert of my XXXX that US Bank pulled my report, i did not authorize this and no where on their checking application was their a disclaimer that they would hard pull my report this companies practices are very unethical and have hurt me by dropping my credit score and that will affect my interest rates, no one at US Bank is willing to help and the customer service is the worst i have encountered in my 30 years of life, there are no words i can think of to appropriately use to express my anger with US Bank.

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 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
FRAUDULENT INQUIRIES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: NC
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:
Since XX/XX/2021, I have been sending letters to XXXX and Equifax in regards to unauthorized fraudulent inquiries placed on my credit bureau profile accounts. Since XX/XX/2021, two of the three bureaus ( XXXX and Equifax ) have ignored my requests and have not sent me any correspondence. A post card is not what I'm expecting receive as a response, after sending many inquiry investigation letters. Yet, still no removal of the fraudulent inquiries from these bureaus, regardless of the countless letters I've mailed. If you can mail post cards, then why are you not responding to my letters or sending me proof of methods used to verify the information that continues to remain on my profile. This has been a long tedious battle with XXXX and Equifax for months. I have had no support from the bureaus. I am being treated as if, I am not the valued consumer and my information has been compromised. I have been left feeling violated. I have called and spoke to representatives at the bureaus that have either disconnected my calls or ignored my request and even asking me to file reports with the police. In addition, I have also contacted each individual creditor to request proof or removal from my reports and no success either. The creditors continue to respond with ; they don't have records of my information on file with them. 

XXXX letter to XXXX for inquiry XXXX XXXX XXXX XXXX XX/XX/2021. No removal XXXX letter to XXXX again for XXXX XXXX XXXX XXXX XX/XX/2021. No removal XXXX letter to XXXX a third time and No removal. 

XXXX letter to Equifax for inquiry XXXX XX/XX/2021. no removal XX/XX/2021 - letter to Equifax again for inquiry XXXX XX/XX/2021. no removal XXXX letter to Equifax and a third time for inquiry XXXX XX/XX/2021. no removal Each time a response from XXXX or Equifax comes back to me, its a post card or letter of inquiry investigation process. Yet, never a letter showing me verification of method used to verify the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX I signed with debthelpers in XXXX at which time XXXX XXXX   agreed to the payment contract terms. Payment is made every month on the XXXX, due to the 30 day rotation for the month of XXXX the payment was received XX/XX/XXXX although the month close XX/XX/XXXX. XXXX proceeded to report an increase to my balance of {$13.00} and a late payment, there fore diminishing my credit score. Prior to signing with debthelpers all my payments had been on time and paid in full now my credit is showing a derogatory credit history for XXXX. I have tried calling several times, sat online with the online help and nobody has offered a resolve, I have worked at being pro-active to find I am being challenged by the reps specifically a gentlemen by the name of XXXX XXXX. I have asked to have the billing date changed to avoid further issue and all I am told is they can't do that I have to go back to XXXX and ask them to adjust the contract ( already agreed by Citi ) and there are approximately eight credit accounts on the same contract with XXXX, no other creditor has an issue. I have spoke with XXXX XXXX, XXXX XXXX, XXXX, XXXX, a XXXX and at through the online chat 6 other individuals. I have used the automated phone system and been hung up on by it at least 12 different times saying " do to unforeseen circumstances there is no-one to answer the call '' disconnect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have two separate Synchrony accounts. One is for a carpeting purchase. One is for air conditioning installation. Synchrony sends bills late, or not at all. In this way, they can impose a late fee AND increase the interest rate on one 's account. I suspect this may be a widespread practice, as I have spoke to friends who have had similar experiences. When I have called Synchrony on this, they remove the late fee and say they will send bills on time. Someone would investigate this.

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 2019-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I was a victim of identity theft on my cedit report I called filled a completed with transunion but nothing has been done I trying to repair the damge the theft have done all these inquiry was not done by me XXXX XXXX   XXXX XXXX  XXXX XX/XX/XXXX same inquiry also o n XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX also XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX thank you for your time hope you can help

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX I signed with XXXX  in XXXX at which time XXXX XXXX  agreed to the payment contract terms. Payment is made every month on the XXXX, due to the 30 day rotation for the month of XXXX the payment was received XX/XX/XXXX although the month close XX/XX/XXXX. XXXX proceeded to report an increase to my balance of {$13.00} and a late payment, there fore diminishing my credit score. Prior to signing with XXXX  all my payments had been on time and paid in full now my credit is showing a derogatory credit history for XXXX. I have tried calling several times, sat online with the online help and nobody has offered a resolve, I have worked at being pro-active to find I am being challenged by the reps specifically a gentlemen by the name of XXXX XXXX. I have asked to have the billing date changed to avoid further issue and all I am told is they can't do that I have to go back to debthelps and ask them to adjust the contract ( already agreed by XXXX ) and there are approximately eight credit accounts on the same contract with XXXX, no other creditor has an issue. I have spoke with XXXX  XXXX, XXXX XXXX, XXXX, XXXX, a XXXX and at through the online chat 6 other individuals. I have used the automated phone system and been hung up on by it at least 12 different times saying " do to unforeseen circumstances there is no-one to answer the call '' disconnect.

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 2020-10-12
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: Information belongs to someone else

Complaint:
these accounts do not belong to me and would like them investigated and DELETED from my credit file.

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 2020-10-12
Company: Kashia Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I received a Writ of Assignment at my job regarding a payday loan for Solid Oak Finance collector is XXXX  XXXX. They claimed I took a loan out with them and did not pay. I have no knowledge of this loan. I tried to explain that my identity was stolen over 15 years ago and every now and then I still see credit cards and misc. loans appear in my credit report. I have tried fighting them off my credit for years. XXXX XXXX is claiming to have contacted me and I agreed to a 15 % withdrawal of my earning which is not true either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions 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:
Ive recently obtained my credit report in an effort to clean up and fix my credit and was surprised to find a bankruptcy in XXXX XXXX is on my report. I live in XXXX ca and have never filed for bankruptcy. My understanding for bankruptcy I would need to go through legal aid and visit the office which neither I have done. 

I can provide bank statements for the past several years that will show Ive never retained legal aid in order to file for bankruptcy or have even traveled to XXXX XXXX to visit this office. I have tried to contact the office to no avail, probably due to covid, and the office is not taking visitors and when you call the phones message just repeats with no access to a live person. 

I filed a dispute with experian who has stated this is true even though it is not true. Just because my credit is not the best does not mean Ive gone down the bath of bankruptcy. 

You can check my id and my signature as proof that whatever has been filed with the bankruptcy court of XXXX XXXX does not match my information.

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 2020-10-12
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My homeowner mortgage is with Shellpoint Mortgage Servicing. Prior to XX/XX/2020, I have been receiving my monthly statements from Shellpoint by U.S. Mail. I have been paying my monthly mortgage to Shellpoint by U.S. Mail as well.

Suddenly and without notice, Shellpoint stopped mailing my monthly mortgage statements. Each time I called and spoke with a representative ( including supervisors ) about the problem, they never indicated that Shellpoint has done away with mailing monthly mortgage statements. Each time I inquired about the reason why I am not receiving my monthly statements via U.S. Mail, Shellpoint has not been forthcoming in explaining.

My complaint is about the fact Shellpoint stopped mailing monthly statements without prior notification. My guess is, going forward, Shellpoint wants every transaction executed online instead via U.S. Mail. If this is the case, they should notify their customers in advance and not deceive them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
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 status incorrect

Complaint:
I received a payday loan from XXXX XXXX XXXX and incorrect amounts were with drawn from my checking account on several occasions. After speaking with XXXX XXXX XXXX it was noted that I applied for 2 loans which I had not. They informed me that it would be corrected and I did not have anything to worry about. My original the account was paid in full and should have never been forwarded to a collection agency. I informed XXXX  XXXX via certified mail and they still are trying to collect and this account remains on my credit report. The 2nd account must be and err or fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a payday loan from XXXX XXXX XXXX and incorrect amounts were with drawn from my checking account on several occasions. After speaking with XXXX XXXX XXXX it was noted that I applied for 2 loans which I had not. They informed me that it would be corrected and I did not have anything to worry about. My original the account was paid in full and should have never been forwarded to a collection agency. I informed XXXX  XXXX via certified mail and they still are trying to collect and this account remains on my credit report. The 2nd account must be and err or fraud.

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 2019-01-16
Company: EQUIFAX, INC.
State: CA
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 acct # XXXX : Did not inform me ASAP about autopay rejection until I found out myself. It was only a error I made with my autopay check #. I would have resolved this immediately if I was informed ASAP. Instead 2 months without payment to XXXX happened. I paid more than the minimum payment after I found out the deficiency. 
I have since corrected the automatic payments and also decided to close the account. 

also : FICO score complaint : I applied and qualified for a " prequalifying '' for home equity ( approved for {$150000.00} ) and mortgage ( approved for {$500000.00} ) from XXXX XXXX/ XXXX XXXX because I am in a hunt for a XXXX property in Oregon . The prequalify is good for 90 days. It expired last XX/XX/2018 and so I renewed my prequalifying, which is again approved by XXXX XXXX. The thing is I still haven't haven't found a home that I want to buy but I want to be readily qualified if I find the home I like and while I still haven't found a home, my prequalifying will expire again in 90 days and everytime I renew mt prequalifying, XXXX XXXX will again recheck my credits and this in turn will bring down my credit rating? I think this is unfair and it shouldn't count against my credit rating because I have already been approved for the mortgage.

Company response to consumer: Closed with explanation