BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: Conn's, 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: Account status incorrect

Complaint:
In XXXX of 2018, I issued a payment to XXXX XXXX for my credit account. The payment was returned due to fraudulent charges on the account. Conns sent an email stating that they would re-draft on the next business day and never did. I called numerous times to follow up and was told not to worry they were on it and I would not receive a 30-day late mark on my credit report. ( The original payment was made close to the 30-day late mark. ) More than a week and I finally get a representative that says they never redrafted the payment and that it was still due - so I made the payment and asked about my credit. I was told that any negative marks would be removed and that I was going to be ok.

Fast forward 3 months and my credit score drops close to 100 point due to Conns reporting as late. They reported differing months that the late was in on each of the reports ( one report shows late in XXXX, one shows the late in XXXX ) and have also inflated the balance ( current balance is XXXX - they are reporting XXXX ) I have tried through numerous avenues to resolve this issue. Had they redrafted as they put in writing that they would the late would have not been reported to the bureau. I am not disputing that the payment was past due - just how they are handling it They have stated that they do a " courtesy '' fix once the account has been open a year, but they are not taking into account the 3 years I have been a customer. 

There are several complaints against this business for this practice and for the inaccurate balance reporting. They are taking advantage of people and will not do anything to make their mistakes right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent by certified mail disputes that were delivered on XX/XX/2019. I have attached the tracking number and verification that is was received on XX/XX/2019. As of today XX/XX/2019 I have not received any communications by mail as to the results or status of these disputes. I called today XX/XX/XXXX to inquire as to why I didn't receive the results and after speaking to 3 different people one being in consumer affairs and providing all 3 with name, birthday, social security number, current address, current car loan info, they refused to give me any information stating they were not able to verify my identity. Furthermore they wanted me to go over every line item on my report before providing any information about the disputes. These tactics are unprofessional, inappropriate, and a violation of my rights under FCRA.They are doing this willingly and with malice as described ( wrongful intention, especially as increasing the guilt of certain offenses. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: TX
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 am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, I have no accounts associated to these inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The account is in my name but it is not my debt. The account was opened by a family member and they stopped making the payments and now the account is in collections. I would like to have the account removed because it is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LOCKHART MORRIS & MONTGOMERY has an account in my credit thats not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2021 there was an inquiry that appeared on my TransUnion credit report that I did not initiate. The company name on the report was XXXX XXXX. I contacted the Company directly and they confirmed that someone had fraudulently used my name, address and SS number to electronically open an account. I was instructed to file a claim with the FTC ( Report Number : XXXX ) and to send copy of my ID for them to begin an investigation.

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 2018-04-17
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
OnXX/XX/XXXX I walk in US Bank and deposited {$3000.00} which requires 3 to five day hold for verification. OnXX/XX/XXXX after  approving fund the bank placed a secondary hold on fund and route the funds to XXXX  fraud department knowing this is personal account not associated with business activity and therefore, a fraud alert process was initial to remove funds from personal account. On XX/XX/XXXX when I called the fraud department to inquire about the funds being placed in the fraud department for what reason I was told by XXXX in the fraud unit it was because they couldn't verify the funds, I explain to XXXX  that XXXX XXXX inform me that the funds were there and they have not received a request for verification.

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 2018-12-05
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a debt collector coming after me for a debt that I admit I have, the problem is that the debt collector is saying I owe over double the original amount. The FDCPA ( fair debt collection practices act ) states ; Collectors can add fees or interest ONLY if the amount is expressly authorized by the agreement creating the debt. Due to the fact that this is a medical bill the original agreement does not have interest or late fees on this debt therefore against the FDCPA regulations. They should not be able to pursue this larger amount of what I originally owe. It is against the law. I have no problem paying the original amount, but they have added so much interest that it is now close to impossible for me to take care of this amount they say I owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Experian Information Solutions Inc.
State: LA
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 had Child support on my credit file, so I never really used my credit, I have been paying it through my job for years and decided to apply for a small loan, this passed XX/XX/2018 and I was approved, but also found these other accounts and inquires on my credit report. I did a little research and found out what steps to take in correcting the errors. So I placed a fraud alert and file a identity theft report per the Fair Credit Reporting Act. I am attaching a copy of the identity report and would like these items removed, including the inquires accounts. I discovered through my research, that these items should be removed within 5 business days, once I provide the identity theft report. 

I also went to XXXX website and input my information and XXXX, stated the my personal data was stolen in their data breach..

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 2021-02-24
Company: Constar Financial Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving notification from my employer and letters from my employer stating Constar Financial services , LLC also know as XXXX are attempting to collect a debt.This company continues to burden me in trying to force with psychological, intimidation tactics or strategies. This company is a scam and trying to fraud me into paying for a fake or someone else debt. They need to STOP contacting me and my employer by mail and by phone number. I have no affiliation with or to this company or the debt they are trying to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I received the attached latter in the mail from Debt Recovery solutions stating XXXX XXXX XXXX ( " XXXX '' ) has purchased an account with my name on it. This is a serious matter because I was a victim of identity theft. And XXXX has attempted to report false information on my credit report for some time now., Each time they are removed by all Major Consumer Reporting Agencies or By XXXX ' because they are not mine. 

Also I want notify you of the history of the account numbers and amounts owed keep changing in order to re-insert of my credit report. 

This is a serious matter. 

The attached letter says I have the right to request a copy of the contract or other documents evidencing an agreement of debt. I need to see these to notify the bureaus of more identity theft by XXXX ' or some other person out there claiming to be me Attached is a copy of the notice I received dated XX/XX/2019. 

I have responded within 30 days of the date. Please send all documents showing that this debt belongs to me. I have kept all copies of certified letters from the past I have had with XXXX ' and their data furnishing affiliates or partners. This debt is an attempt to reinsert a debt that does not belong to me.. As XXXX ' already know my father passed away and we had the same name. this is all well documented. 

I also called the XXXX hospital in XXXX where this supposedly took place. they said do to HIIPPA they were unable to share any information with me. there are XXXX XXXX 's in the system but there are not any that match my description.,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions 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:
XXXX  is reporting that my XXXX XXXX payment status is currently 30-90 days pass due and date of last payment is XX/XX/2019. 

I filed a dispute with them and XXXX submitting proof in the form of my last statement from XXXX that it is current and date of last payment is incorrect as they are reporting it. 

XXXX  fixed the problem but XXXX  refuses to fix it even after I personally called them and asked them to fix it. I am being refused a vehicle loan based alot on this error and I need it fixed. 

I can not see if Experian is reporting false information or not because I keep having problems trying to check it and file the dispute. 

I dont know why they wont fix it with me submitting the solid proof in written form to them or if XXXX XXXX keeps reporting false information but I would like it fixed or have XXXX removed from reporting on all three credit reports due to irrenious reporting per the FCRA and constinaly filing disputes. 

I worked hard to fix my credit so I can buy a home to retire in but this hassle with the credit reporting agencies is stopping me. 

Please help me fix this XXXX XXXX reporting problem if not at least fix XXXX  to report it correctly. 

I currently only have my statement from XXXX showing XXXX being paid on time. XXXX has not issued my statement showing XXXX payment on time but you can call and verify that it was paid on the due date of XX/XX/XXXX. 

Thank you

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 2020-01-31
Company: PNC Bank N.A.
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:
On XX/XX/XXXX my car was repossed by a company named XXXX a company that works with my Loan holder PNC Bank. After calling PNC they said I never made my XX/XX/XXXX payment. I make my payments every month thru mycheckfree app. I told them I was unaware that payment did not go thru. This was the only payment in the 5 yrs of my auto loan that I missed, I told them I never received any phone calls or mail letting me know I still owed this payment. I immediately went to a bank branch and made all necessary payments to bring this loan back to good standing and get my car. When I called back and talked to PNC they told me they would not remove this from my credit report. I told them again this was not right and I was never notified by phone or mail. They were very unhelpful. I would like this taken off my credit report, because I was never notified and this could have been avoided. I feel a better effort could have been made on their end to collect a debt. After being a customer who paid there bills every month for 5 yrs I would expect better treatment and not to have my vehicle taken away like a person who made no payments for months. Side note since that XXXX payment that I missed I made my XXXX and XXXX payment which apparently meant nothing to them as far as maybe this other payment was missed in errror. Thanks PNC for the classy treatment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an alert that I had a collection on my credit. I never received any type of letter saying I had a debt, it just popped up on my credit reports. When I looked at the debt and the original creditor there is no way it could be mine. It says the debt is from XXXX  and I never had an XXXX account and in 2017 when they stated the account was opened I was only XXXX and I live with my parents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a debt collection notice from XXXX XXXX XXXX for {$82.00} from XXXX TX XXXX XXXX on XX/XX/XXXX. I sent a certified letter requesting validation of the debt. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that they had conducted a complete investigation and the account has been cancelled per clients request and that they ceased collection of the account. 

Later if XX/XX/XXXX I received a letter from Phoenix Financial Services requesting payment of {$82.00} for services rendered at XXXX TX XXXX XXXX. I called and spoke to the representative and explained the same debt in question from XXXX. The representative requested that I send them a copy of the letter closing the account from XXXX XXXX to : XXXX which I did on XX/XX/XXXX.

Phoenix Financial services called me today ( XX/XX/XXXX )  and asked me to pay {$82.00} I told them about the situation and they told me that they would report this to my credit for refusal to pay and that they would not verify the debt and that their word was verification enough and hung up on me. 

I do not have a physical copy of the Phoenix Financial Services letter but their information is below XXXX Phoenix Financial Services XXXX XXXX XXXX XXXX, IN 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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On Monday XX/XX/XXXX, I wanted to check my credit score through the advertised 'free ' link on my XXXX online account. It directed me to TransUnion and required me to enter my bank card information as well as other private information in order to check my credit score. The process was very deceiving and when I clicked the button to receive my advertised 'free credit score ' I was charged XXXX for their monthly credit monitoring program. The site design, fine print, and way of advertising the free credit check was very deceiving. I was able to call Trans Union ( which was VERY difficult to get through to ) and was told it would be refunded and my account was canceled. I have yet to receive the refund.

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 2020-01-31
Company: TRANSWORLD SYSTEMS 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:
Transworld Systems has violated the Fair Credit Reporting Act and has reverted to extortion practices in an attempt to threaten me into making a payment. 


Manager XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: MARINER FINANCE, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call today and the person was claiming to be a XXXX County Deputy by the name of XXXX XXXX even stated his badge number was XXXX. He said they had been trying to serve me cause I was being sued by Pioneer Credit and I needed to call XXXX with my case number. Then said if I was served and didn't show for court I would get a failure to appear. Also said I was being sued for fraud. I called the number and spoke to a XXXX XXXX. He said in total I owed {$2500.00}. If I didn't want to go to court and wanted legal charges dropped then I needed to pay today. He offered a settlement of $ XXXX.He then said if I didn't pay half today and the other half tomorrow of a settlement for {$700.00} or pay in full today by XXXX that I would be served by the police department within 48 hrs. I would have to pay additional {$1200.00} if it went to court for attorney fees. I sent the {$700.00} at XXXX cst to XXXX XXXX XXXX XXXX through my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have reached out numerous times via phone and by mail to get a clear copy of the original contract and initial paper along with ALL Statements/Bills with no success. I am simply reaching out to them to get these documents for my records.

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