BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: National Credit Adjusters, LLC
State: TX
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:
XXXX XXXX NCA # XXXX I disputed this account with the Credit Bureaus to ensure I followed consumer protocol for credit reporting errors. 
The credit bureaus provided NCA 'S information so that I could reach them directly. In addition, they notified NCA that I disagree and dispute the facts of this account and asked that it be deleted to bring my credit report back to standard. 

XXXX-NCA responded via postal mail stating that they would cease all collection efforts. Ceasing collection efforts mean they would stop reporting this false account to the credit bureaus and other parties they may have reported the information to. I have been told that this can be done immediately via an electronic request. However, I gave them 30 days to make the correction. 

XXXX I Followed up on removal of the account via fax received @ XXXX CST. 
XX/XX/21 Spoke with a rep at NCA who refused to answer any of my questions or concerns. 

As of today, XX/XX/21 NCA is still reporting this invalidated information. Even after they came to terms that this account should have never been reporting on my report. 
Even after they sent me a letter stated that they would request that the account be deleted on XX/XX/21. 

I have suffered due to their tactics and unethical behavior. I am on the verge on losing my ability to obtain my mortgage license and I will hold NCA fully accountable if I do. 

I have enclosed the letter sent to me by NCA, which verifies their claims that they would cease all collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX  XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX CT XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Phoenix Financial about a debt and asked that they provide validation. I sent the letter certified to make sure they got it ( the certified number is XXXX XXXX XXXX XXXX XXXX ) and they got it in their office XX/XX/2020. After not hearing from them I sent another letter telling them they have to stop collection activities because they ignored my request and they trying to collect on an invalidated account. I, too, sent that certified. To this day they are still reporting this account on my credit report yet haven't provided any information about this alleged 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 2019-08-20
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday, XX/XX/XXXX, I submitted a transfer for the full amount of my "Ally Invest" account to my Ally Bank Savings account, as the funds were being managed very poorly and losing value very quickly. Since that time, Ally has continued to "kick the can down the road" and give poor reasoning for why the funds have not been transferred between my accounts which are at the same institution including the funds needing time to "settle" after being divested. When bringing this matter to the attention of management at Ally Invest, my chat was abruptly ended after asking to speak with his manager, as I was very unhappy with the way he, and the company as a whole, was treating me. What I fail to understand is how a company can get away with ignoring my direct instructions to transfer my money back to me. They did a bad job, and I wanted it to end.

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 2020-11-20
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 information incorrect

Complaint:
Greetings, I sent my round of letters to the credit bureaus because I have inaccurate information on my credit report that is affecting my score, and I want to solve this the fast as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020, I noticed that my credit scored declined due to a debt on " XXXX goods. '' I immediately checked my credit card with XXXX, which was paid in full, and I noticed that it was a due payment amount ( {$80.00} ) for fees that were not supposed to be taken. My credit has been excellent due to my responsibility for my payments. I was not even notified about my credit card charges in the email linked to the account. If I hadn't noticed the decline in my credit report ( something that many don't have access to ), then the outcome would have been a big debt. It is just unfair and frustrating. I called the company to fix the situation, and they just told me : " well, close the account, '' which I did. They were not able to return my fees because they stated that they couldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My 2nd mortgage is with XXXX XXXX, XX/XX/2020 we sent XXXX our monthly payment of {$260.00} which was returned to our checking account, XX/XX/2020 SPS sent us a letter stating that XXXX transferred our 2nd mortgage loan account to them. SPS informed my husband and I that we are in a Balloon Mortgage and the maturity date has expired as off XX/XX/2020 and they will not except any monthly payments but only except the balance of the loan which was {$23000.00}. My husband and I began to apply for various programs with SPS. XX/XX/2020 My husband and I was told that we were denied any programs ( Loss Mitigation and Loan Modification ) that we applied for because the maturity date on our loan expired. SPS informed us that the only option was to  do a short sale on our home, my husband and I do not want to lose our home and we are able to make monthly payments but we can not afford to pay the balance of the 2nd lien upfront. Our 1st lien  holder is XXXX XXXX  and that loan isnt due in full until XXXX. As of today ( XX/XX/2020 ) the balance with SPS has went up to over {$25000.00} due to late fees and other charges. SPS is unwilling to allow my husband and I to make monthly payments or accept us in any type of programs. SPS has sent Short Sale forms for us to sign and mail back to them, that is the only option that SPS is giving us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On two separate occasions in 2020, I contacted Capital One to discuss payment options as I was needing Covid assistance. Capital One customer service set me up on two payment plans. In these payment plans, Capital One provided specific dates and amounts due as per the payment plan. I followed these payment plans. However, Capital One, unbeknownst to me, continued to mark my payments as late on my credit report.

Capital One never noted on my credit report these " late '' payments were the result of a federal national disaster. This is strictly required as part of the CARES Act. This failure to add a natural disaster note has caused me irreversible damage to my credit report by causing me to be denied for additional credit.

Washington COVID-19 PANDEMIC ( XXXX ) Incident Period : XX/XX/XXXX, XXXXand continuing. Major Disaster XXXX declared onMarch XXXX, 2020. 

Washington COVID-19 XXXX XXXX XXXX Incident Period : XX/XX/XXXX, XXXXand continuing. Emergency Declaration declared onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXXXX/XX/2019Re: Acct XXXX  Comenity Bank		Dear: XXXX XXXX XXXX   	You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax is reporting incorrect information about me and have refused to make changes in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Other problem getting your report or credit score

Complaint:
I was looking into Refinancing my home who I have lived in since 2007 in XXXX. When the loan officer looked into my mortgage there was no mortgage listed on my credit report as if I dont own a home. I initially contacted the XXXX  to resolve the issue with the company. In XXXX I received the money that was missing from my escrow as well as my mortgage adjusted to the different rate and they stated in the letter they would report my mortgage to All three credit bureaus. After two weeks I contacted Transunion to see what the process was, they stated I had to wait 45 days for the creditor to report. I am now filing this complaint because I have reached 45 days and no reporting has occurred. I would like to move my mortgage from XXXX XXXX XXXX  and I feel like I am being forced to stay there with no evidence of my credit history or current mortgage. It is effecting my credit score and my well being to found a better mortgage rate. I feel that this is a violation of my consumer rights.

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 2020-05-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
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: Other problem getting your report or credit score

Complaint:
I was looking into Refinancing my home who I have lived in since 2007 in XXXX. When the loan officer looked into my mortgage there was no mortgage listed on my credit report as if I dont own a home. I initially contacted the XXXX to resolve the issue with the company. In XXXX I received the money that was missing from my escrow as well as my mortgage adjusted to the different rate and they stated in the letter they would report my mortgage to All three credit bureaus. After two weeks I contacted XXXX  to see what the process was, they stated I had to wait 45 days for the creditor to report. I am now filing this complaint because I have reached 45 days and no reporting has occurred. I would like to move my mortgage from Fifth Third Bank and I feel like I am being forced to stay there with no evidence of my credit history or current mortgage. It is effecting my credit score and my well being to found a better mortgage rate. I feel that this is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Acima account was settled in XX/XX/2020. Upon settling the account a letter for deletion was requested. Acima refit did not send the letter of deletion. The account was closed and is reporting as a charge. Ive tried to contact the merchant regarding the account and was informed that I will need to reach out to XXXX to have the account disputed. Ive tried disputing the account multiples times and has had no luck. I also tried disputing this account through XXXXXXXX XXXX XXXX as well as XXXX XXXX and have no luck. The account is reflecting negatively on my credit and I would like it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Alliance CAS, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is in regards to Alliance CAS, a debt collection agency that was retained by our now former management group whom was terminated for their questionable " professional '' actions. 

Alliance CAS maintains that they have attempted to contact me, their primary case is that it was via email, which twice in one day had to be corrected that they had the wrong email address. ( On a recorded line ). No effort was made in part by this company to contact me and resolve my debt in any formidable way. Not by email, direct phone contact ( they call every few months allegedly and do so from a blocked number. As if any reasonable person answers unknown numbers these days with the amount of robocalls regarding auto-warranty renewals, and they never leave a message ), and not by direct mail either. Their consolidation statement proves that fact. 

Now with that said, no written contact to the debtor is a violation of the FDCPA. All the while of maintaining " no contact, '' this company has been piling on " administrative/oversight '' fees to the absurd amount of {$250.00} a month, quickly tripling the amount of legitimate debt in question in 2 years time. 

This is not the first attempt I have made to resolve this debt either. I contacted this company in an effort to resolve this issue on 2 prior occasions. On one attempt they offered me a structured payment plan that to engage in required a deposit that didn't apply towards the balance but rather increased the balance by {$600.00} just to start a payment plan. On my second attempt, the management company and Alliance CAS took turns passing me back and forth from each other because neither company had a record of who held my debt. 

Frustrated, I now find myself in a hole way deeper than what the legitimate debt is actually for. If you find yourself with a debt in question with Alliance CAS, pay it now or be prepared to contact a lawyer.

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 2020-05-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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 am a victim of ideninity theft reported to usaa XX/XX/XXXX FRAUD {$470.00}. FTC CASE XXXX XX/XX/XXXX - XX/XX/XXXX USAA never resolved ANY fraud. I have been fighting usaa attempting to get usaa fraud credits since XX/XX/XXXX. USAA HAS DESTROYED MY CREDIT COLLECTING ON THIS ID THEFT. Finally XX/XX/XXXX usaa provided fraud credits {$460.00} WITH NO NOTICE OF THIS CREDIT AS PER POLICY. WHY NO NOTICE?? I have called 6 times usaa REFUSES TO TELL ME SPECIFICALLY WHAT PURCHASE DATES THIS FRAUD CREDIT IS PAYING FOR XXXX USAA HIDES THESE FRAUD CREDITS. USAA WILL NOT PUT IN WRITING THE DATES THIS FRAUD CREDIT COVERS ( BECAUSE ** IT IS YEARS LATE. ) USAA DOES NOT WANT THIS IN WRITING. ** I HAVE A RIGHT TO WRITTEN DOCUMENTATION WHAT THESE CREDITS ARE PAYING FOR ON THIS INACTIVE. CLOSED ACCOUNT. WHY IS USAA COLLECTING ON ID THEFT case XXXX reported XX/XX/XXXX??? USAA NEEDS TO PROVIDE WRITTEN DOCUMENTATION ON THE ABOVE TO MY HOME ADDRESS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: VA
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 have written to Equifax on several occasions ( the last time XX/XX/2020 ) requesting that they fully verify that the accounts on my credit report belongs to me. 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they have refuse to delete the accounts as stated by the law. 

In addition they ( Equifax ) have taken more than 30 days to respond to my letter. My letter was sent on XX/XX/2020 ( as shown on receipt attached ) They responded on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I Have called and i have so sent Proof and verifications of new addresses months before hand and the correct address has not been updated to my credit profile and every address on my profile has not been removed.

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 2021-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XXXX XXXX XXXX and Capital Auto loan both ran my credit on XX/XX/2019. My twin sister was applying for an auto loan XXXX both these companies ran a check on my credit instead

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the third complaint regarding Rash , Curtis and Associates abusive behavior regarding a collection account that was not mine. After my last complaint I was sent a letter dated XX/XX/2020 that I would no longer be sued for the debt nor would it be reported on my credit bureau. I provided that to XXXX and it was removed. This was based on the documentation provided at the time. Despite the fact that I have provided police reports to the credit bureaus and never was contacted for clarity by Rash Curtis. Two weeks ago I got an alert that the account was back to being reported on my credit after the company sent me a letter stating that it would not be reported. The tactics have become abusive and unethical.

Company response to consumer: Closed with explanation