BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-31
Company: Experian Information Solutions Inc.
State: SC
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:
Showing a past due balance Under FRCA XXXX ( a ) I am disputing the completeness and accuracy of the information being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is accurately and erroneously reporting a 30-day late notation. I request an investigation into 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 explanation
Consumer complaint received 2018-07-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I used the officially authorized website by the federal government for receiving credit reports : XXXX. Every credit reporting agency said that they were unable to give credit reports online at this time ( XX/XX/2018 ). However, I currently live in XXXX and so it is not very feasible to request a mail in for credit reports, so I have no way of officially getting a credit report through government-official ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my credit report I noticed that your agency have an inquiry on there from XXXX XXXX XXXX on XX/XX/2019. This is an unauthorized inquiry and I did not authorize or gave consent to this company. I do not have an account with XXXX XXXX XXXX neither have I signed or have any recollection of signing any documents with this company. This need to be investigated to show how this company got accessed to my file without y knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Law Offices Howard Lee Schiff, P.C.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX  CT on XX/XX/2016 to have a XXXX fixed were the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   this is shown in second picture of the documents I have uploaded regarding this complaint. The XXXX  had XXXX XXXX XXXX XXXX as you can see the dark XXXX mark in the XXXX  with the XXXX XXXX XXXX XXXX at the bottom shows he XXXX XXXX XXXX XXXX When I went to the XXXX he said he could place the XXXX back on the XXXX. I suffered allot of horror in this XXXX   office. The XXXX XXXX XXXX XXXX XXXX that was working at XXXX XXXX   at the time seems to no longer work at this location at all. He seemed to have moved I believe to XXXX XXXX XXXX XXXX XXXX  CT. Tel # 2XXXX. This doctor stated he could fix my XXXX when attempting his practice with on me I found many strange un sanitary acts used upon my XXXX. I suffered great pains in this XXXX presents. My credit card company had taken payment away from him and failed to allow him to be paid I won the dispute against this doctor. Although I have won the dispute I managed to hire on a no fee unless I win with attorney XXXX XXXX XXXX in XXXX XXXX  CT. This attorney seemed to XXXX XXXX  from a XXXX XXXX and my case was transferred to this Attorney XXXX XXXX in XXXX CT where you can see he gave me a letter of protection and then said later he could not obtain an expert witness to testify in court, so I could not bring a case against this XXXX XXXX XXXX at all. This was not making any sense to me at all. I was then given the opportunity to try to get my funds paid through the XXXX XXXX XXXX. When I went to them for help I found that all these XXXX are sticking together, and I do not stand a chance at all on this damage caused to my XXXX from this XXXX resulting in over {$25000.00} in damages to my XXXX from him. You can see in the first XXXX picture that I enclosed that I had to pay to have the XXXX XXXX XXXX XXXX the same day that he tried to place his XXXX XXXX XXXX XXXX into my XXXX XXXX XXXX that was XXXX XXXX. As soon as the XXXX  wore off the XXXX   was hurting, and it was XXXX. I used XXXX XXXX to fix the XXXX  and I was given a letter of protection thinking I am getting this money back from the representing attorney XXXX XXXX from XXXX CT Tel # XXXX. This is really misrepresentation and I will most likely be filing a grievance against this attorney for what he did. If you can please keep this collection away from me with XXXX XXXX that has been turned over to This Attorney Howard Lee Schiff P.C that is asking me for {$7500.00} to be paid to his office. There is letter of protection the attorney never did any proper job at all for me that was representing me. If you have any further questions please contact me at XXXX.

Sincerely Yours XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Rocky Mountain Capital Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
ON XX/XX/18 a man left a voicemail ( I still have it saved from the number XXXX stating that if I do not call him back, he would has someone come to my employment and have him served. He also stated that I needed to have two forms of ID on me at all time. I then got a phone call from a blocked number asking my wear about so I could be served. I told the man that I would not give him that information and he told me that he was headed to my job ( and then listed my employeer ). I told him that he could not call my job or come to my job, he called me a name and hung up on me.

I traced the debt back to Rock mountain Capital and XXXX XXXX. On XX/XX/18 I was told that They would not call me again and " they were sorry '' On XX/XX/18 I got a call from XXXX. the man stated that someone was headed to my job or my home to have me arrested for not paying this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I applied for a credit card at XXXX  XXXX XXXX on XX/XX/XXXX and was rejected because of three negative accounts ; XXXX  XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, but they do not belong to me and I never approved anyone to open them under my personal information. My personal belongings were stolen from my house on XX/XX/XXXX which included my Driver 's license and Social Security card amongst other personal items. I filed a report with CFPB already along with a police report with the XXXX Police Department and its an ongoing investigations, no arrest have been made yet. I need these accounts removed from my credit report as soon as possible because I am interviewing for a job and Satisfactory Credit history is needed. I never received any goods, money or services from these accounts. I also never authorize any bank to check my credit much less add accounts to it. My identity was stolen and I already contacted all the banks/accounts subject in this Identity Theft. All statements are true and correct without any omission of facts, to the best of my knowledge Please attach the follow documents to my dispute request.

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 2018-09-25
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm unable to withdraw cash from my account at PNC Bank which has over {$3000.00} in funds, The account shows the balance as {$0.00} available and I'm not sure what happened to my funds. Called customer service several time they were unable to help me and they can not figure out what happened to funds in my account. This situation has caused hardship and pain. My stress levels increased resulting in XXXX XXXX XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested that this debit collector validate that this belonged to me that I never received information from them that validate I had to pay. I did not have a contract with my signature with the collection agent to entitle me of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They reported inaccurate information on 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 2021-06-23
Company: The Bureaus, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/XXXX, I made my final loan payment of {$260.00} to XXXX XXXX. The only amount that was left to pay was {$420.00} in late charges that had accumulated over the years. On XX/XX/XXXX, I notice that XXXX had not updated my account balance with any of the major consumer credit bureaus since XX/XX/XXXX so I filed a dispute with Experian. The dispute alleged that my balance was {$260.00} and not {$2400.00} as currently being reported. I uploaded to Experian a copy of a letter XXXX sent me dated XX/XX/XXXX that stated my principal balance was {$0.00} and late fees {$410.00}. However, upon resolution of the dispute on XX/XX/XXXX, the only thing that was updated was 30 days late payment in XX/XX/XXXX for which I will file a separate CFPB complaint for. Again, I filed another dispute on XX/XX/XXXX regarding the incorrect balance and again on XX/XX/XXXX, the resolution was the same as last time, no update to my current balance. Again filed another complaint another complaint on XX/XX/XXXX and the result have not come back yet. In addition, XXXX went so far as to change my XXXX  credit report from correct current balance of {$400.00} back to {$2400.00}.

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 2017-08-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that Citibank reported a late payment regarding an account  XXXX  ( last 4 digits ). I am requesting that my late payment notice be removed from my credit history for the circumstances explained below.
I opened a Costco Credit Card account when it was under American Express about 3 years ago. For that account, I had set up auto payments and never missed a payment. I received a letter saying that my Costco American Express account was canceled. A new Costco credit card was opened under CitiBank without my knowledge or approval. I never received a physical card or used this card. This unauthorized account then accrued bogus fees and then Citibank filled a late payment on my credit history putting a severe drop on my score ( over   XXXX   points ).
When I saw this credit card on my credit report, I called to try to cancel it several times, but was not able to. On  XX/XX/XXXX , I called two times to cancel this card. The reason I was not able to cancel it was because I didnt know the address on file. I gave the customer service representative the 4 addresses in which Ive lived for the past 10 years and none of those addresses were right. I asked the person on the phone to escalate the call to a manager and find another way to validate my account but she mentioned that that was not possible. This happened twice that day. I was unable to access my account to cancel. The woman also didnt not tell me it had late fees. I did n't know the address on file because I didnt open this account or received a record of this account to my current billing address which classified as a billing error under the Truth in Lending Act ( TILA ), Regulation Z.
On  XX/XX/XXXX , I called again to try and cancel my account, the woman on the phone actually escalated the call. I was able to access the unauthorized account, canceled it and paid the balance. As you can see my credit score has always remained in the  XXXX - XXXX  range and Ive never missed a payment until this situation. As a goodwill gesture, I made the payment of the unauthorized {$250.00} dollars on  XX/XX/XXXX . I request that you investigate this issue and remove the late payment notice on all the federal credit bureaus on my account. I filed a complaint with Citibank customer service team the number is :   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 monetary relief
Consumer complaint received 2018-02-19
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
My loan interest rate is 24.9. In Tn I believe the max rate should be less then 24.00. The car sales man told me a different date at signing I was young and didn't have an adult to come and supervise me as I purchased my car. Santander bank is taking hidden fees and I can show you a payment history on my loan to prove it. I call and they don't know how to explain. My credit score was not bad at the time I got my car I just don't understand why I will be stuck with this loan for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Direct Recovery Services, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been repeatedly called by the collection agency " Direct Recovery Services '' from the telephone number XXXX. Every single day at the same time in the morning I get a phone call from them. 

I have told them in the past to not contact me via telephone. However, they then started calling my workplace. I spoke with a very aggressive/sarcastic man when they called my workplace. I told them to not continue to call my work to speak with me. This was sometime last month. 

Today, XX/XX/2021, I got a phone call from my grandmother. Apparently, this company is now calling my grandmother about my debt and she told me they have disclosed my debt situation to my grandmother and also told her to tell me I can settle the debt for 50 % and that it would " behoove me '' to do so. I am absolutely floored by this, and I believe it is definitely illegal for them to be doing this. 

I just feel this is over the top for a debt collection agency, and I could deal with them harassing me but now they are also harassing my family members about my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: WELLS FARGO & COMPANY
State: IL
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 have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. 
Wells Fargo XX/XX/16 XXXX XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16, XXXX XXXX XXXX   XX/XX/16

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 2018-02-19
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
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 have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Prestige Financial Services XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: AMERICAN EXPRESS COMPANY
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:
I closed the account with American Express and I paid the full balance. The amount was XXXX. They are reporting the account in all three credit bureaus as Charge-Off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: EQUIFAX, INC.
State: NC
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 a home equity line of credit with XXXX XXXX XXXX. This account was included in my bankruptcy filing, however they continue to report this line on my credit report. 

I have made several phone calls and credit bureau disputes. This line continues to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. Delayed mortgage discharge issuance 2. Massachusetts XXXX requires that lenders provide the closing attorney a mortgage discharge within 45 days after the acceptance of full-payment and that has not occurred. The delay is causing me financial hardship as I can not close on a home equity line because of this. I have spoken with them several times and can not seem to get anywhere with them on this. I am reaching out for help to get this resolved ASAP. 
3. Fifth Third Bank was paid in full on XX/XX/20 however no mortgage discharge has been sent to my closing attorney. I would like them to send a mortgage discharge to my attorney XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
4. The lender is Fifth Third Bank XXXX XXXX XXXX XXXX, OH. My account number is XXXX. 
5. My name is XXXX XXXX. The property address is XXXX XXXX XXXX XXXX, MA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX phone says I have a debt from XX/XX/XXXX, I was notified through XXXX XXXX that a company on XX/XX/XXXX that a company called XXXX XXXX bought from XXXX in XX/XX/XXXX. I have never in 6 plus years receive anything from either company of any debt owed. I have called XXXX and XXXX  and no 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 2018-02-19
Company: Recovery One, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to Recovery One LLC requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They have not responded to my request. I have attached supporting documentation. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation