BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: Commercial Acceptance Company
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an invoice dated XX/XX/20 in the amount of {$350.00} for supposed medical treatment from an ambulance company. Thirty days later I received a noticed from a collection agency now asking for {$420.00}. Per the FDCP, I'm not sure this constitutes a reasonable period of time before referring to collection agency as well as reasonable charges added to the supposed debt. in addition, I never received a copy of any signed form the clearly outlines payment timeframes as well as any future fees that could be added which is required by the FDCPA. Lastly, this invoice is fraudulent by nature since I received no medical treatment or transportation from this company. Any form I may have been coerced into signing was due to being severely intoxicated. The police officer involved also advised my parents that treatment and transportation was turned down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear CFPB, all three credit bureau and XXXX XXXX, I have received a notice from the collection firm XXXX XXXX ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under XXXX XXXX and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof.

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 2020-11-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
TD Partnerships Services lock me out of their online portal when I needed to check on the status of my payment and payment plan. The directed me to a phone number which did not provide an option or direction on how to get my account unlocked. 
Looking to check my payments and payment plan using their phone service, the information did you allow you to check the status of a payment or a payment plan which leads me to believe they are trying to be deceptive and trick people into making unnecessary duplicate payments. The course of action I took was on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Amsher collections recently had contacted me by phone on several occasions in an attempt to collect a debt. I was asked for personal information and then I asked what was this debt concerning. When I told the representative that this was not mine, because I am still actively still with the company she claim this debt is from, she began to speaking very sassy and argumentative about she knew it was my debt of $ 600+ and I was going to pay. I continued to explain to the representative that I still have active service with this company which is XXXX XXXX so how is it that I owe them {$600.00} + dollars but currently talking on my device??? She then told me she would follow the next step and began filing on me and now my credit has negative remark from an account that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Allied Collection Services, Inc. (Nevada)
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have an account with this creditor

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 2021-04-28
Company: Experian Information Solutions Inc.
State: KS
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 submitted multiple disputes with Experian to remove personal data that is not correct or does not belong to me. They claim they have fixed the personal data and removed the disputed information although it still shows up on my credit report. I attempted to file a complaint with CFPB against Experian for their refusal to remove incorrect personal data yet they claim a third party filled the complaint and refused to investigate it.

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 2021-08-09
Company: EMCC Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I received a bill dated XX/XX/2021 from a company called XXXX  XXXX for services in the amount of {$99.00} with a demand for immediate payment. We had never heard of this company before and did not know what the bill was for. 

On XX/XX/2021, we called the number provided for inquiries, which directed us to a company called Equiant. When we were connected with an agent, he advised that any information we provided would be provided to collections. He refused to provide us with information regarding the bill until we provided a great deal of personal information, which we refused to do given his suggestion that the matter was being referred to collections. He also stated that we had more than one account and that only one of the accounts was closed. We asked repeatedly to speak with someone from XXXX  XXXX, which we learned was formerly XXXX XXXX. When the agent finally transferred us, it was an endless loop that was then disconnected. 

We looked up a phone number for XXXX XXXX, and we were connected again with XXXX XXXX. We spoke with an agent named XXXX XXXX, who advised us that XXXX XXXX had been acquired by XXXX  XXXX. XXXX advised us that the {$99.00} charge was never part of XXXX  XXXX or XXXX XXXX XXXX. He also advised us that the bill should not have been sent and that we didnt owe any money. XXXX further confirmed that we had terminated our relationship with XXXX XXXX years before. Finally, he indicated that XXXX  XXXX was seeking to collect the same fee from other customers. XXXX suggested that he would send a note to accounting, but abruptly disconnected the call when we had indicated we had further questions and before we had an opportunity to ask for written confirmation of the resolution. 

We have since learned that the customer service phone number and address ( including suite number ) for XXXX  XXXX and Equiant are the same. 

Given the implicit threat to send the matter to collections and the statement by the Equiant agent that we had multiple accounts with the companies, we believe that the billing for services never requested or rendered is false and the process misleading to coerce payment where none is due. 

We want written confirmation that ( 1 ) all account we had with XXXX XXXX have been closed, as requested years ago, ( 2 ) we owe no payment to any of these companies : XXXX XXXX, XXXX XXXX or Equiant, ( 3 ) the bill will not be and has not sent to collections, and ( 4 ) the matter is not going to adversely impact our credit scores in any manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/2019 I went into a local dealership to lease a vehicle and was persuaded to finance instead. 

Santander was the financing company. The interest was so high with a monthly payment of over {$800.00}. 
I figured later that I was trapped. 

I later found out that there were several others having the same issues with Santander USA and that there was a lawsuit settlement against them. 

I had found out that based on the terms and requirement of the case I would be qualified as part of the settlement. 
I reached to them by mail and had gotten no response to date. They however have since repossessed the vehicle and reported me to the credit bureaus. 
My credit is completey burdened by this and all I'm seeking at this time is a little assistance in getting some justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
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:
I never signed for this mortgage. I was XXXX XXXX military when the loan was done and was not present or even in the state at the signing. I did not give authorization for anyone to put me on the loan. The loan documents clearly show that I did not sign. I am not XXXX XXXX. I am XXXX XXXX XXXX. Furthermore. XXXX XXXX, the sole Mortgager, has acknowledged that she was the only one on the documents and that XXXX XXXX was added months later without her acknowledgement or permission. It looks as if someone added XXXX XXXX afterwards with a different date. Its completely fraudulent.

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 2017-09-18
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX : I acquired a mortgage through Wells Fargo, and bought my homeXX/XX/XXXX : I lost my full-time job where I made $ XXXX/year at no fault of my own ( budget cuts ) XX/XX/XXXX : I contacted Wells Fargo immediately, who put my mortgage on forbearance due to financial hardship. Home Preservation Specialist in XXXX XXXX Iowa, said on recorded phone conversation that at the end of my forbearance, we could modify the loan so my missed payments would be put at the back of my loan. Also that there would be other options available if I did not want to do this, like pay the overdue balance in installments over time. It was discussed that having options would not be an issue. 
XX/XX/XXXX : Forbearance extended to XX/XX/XXXX due to me still not having found a full time job XX/XX/XXXX : I found full time employment XX/XX/XXXX : I contacted Wells Fargo Home Preservation to begin the modification options previously discussed. 
XX/XX/XXXX : Wells Fargo responded saying I have no modification options, and to pay the {$35000.00} delinquent mortgage or sell the property. 
I now have until XX/XX/XXXXt to pay delinquent money. Wells has now not given me any options to retain my home, and gives me 3 weeks to come up with the delinquent balance. How is this fair? If Wells wants to keep their mortgage portfolio in good standing why would n't they work with me? I 'm employed and ready to start paying.

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 2017-09-14
Company: Movement Mortgage LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX 2017 my wife and I received a pre approval letter through movement mortgage company. Then we shopped around and found XXXX XXXX XXXX that has done everything with our loan. Movement Mortgage is now preventing us from closing on our loan by threatening to sue XXXX XXXX XXXX so they wo n't close on our loan. We are supposed to close In 6 days but are being forced to use movement instead of the company that has done everything on the loan for us. We have been bounced around from person to person through movement mortgage ( total of 3 loan people ) and they should n't be allowed to carry on like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged full amount for delivery of items that I received incomplete. XXXX alleged that I received them but I notified to them by email and phone about the problem. 
The delivery company left the items on the front door due to the COVID-19 but they were incomplete. I agree to pay the delivery charges but I received them incomplete so I should be charge for the ones I received. Citibank did not considered the reasons for my dispute and accepted as good their side of the story. 

XX/XX/2020 XXXX XXXX XXXX XXXX {$83.00} Purchased On XX/XX/2020 Posted On XX/XX/2020 Category Merchandise - Furniture, Home Furnishing / Equipment Merchant Country Puerto Rico

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 2022-08-10
Company: EQUIFAX, INC.
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:
I called to dispute collections and unauthorized inquiries on several occasions. I have collections on my credit report that was not in collections. I have numerous reporting that I do not recognize and these accusations caused my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: First Federal Credit Control, Inc.
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:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I orderd a couple pairs of shoes from XXXX XXXX for my mom when I received them they did n't fix her and they do n't have half size shoes or larger size, so I returned them, next thing I knew XXXX said, you have to pay for the return, I had no ideal there was a charge to return them. 
so I had to dispute with XXXX, they say they were sorry and that was it. 
so I continue to get bills for plus late fee of XXXX dollars and the amount of return was XXXX dollars so after months of billing me XXXX was due for XX/XX/XXXX bill to comenity.net.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: Jim Bottin Enterprises, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: ID Analytics, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SageStream , LLC Consumer Office XXXX. XXXX  XXXX XXXX XXXX, CA XXXX : To Whom It May Concern Im writing to you to request a security freeze and block all reporting creditors on my credit report. Under the Fair Credit Report Act you are required to comply. I am My information is as follows : XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Block : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  and all other creditors. I am a victim of identity thief. 

Ive included the following two documents that verify my identity : Copy of drivers license. 
Social Security Card Identity Theft Report After this credit freeze and block has been completed, please send written confirmation to the address listed above. 

Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX XXXX XXXX Check which is at least enough or almost enough to pay this debt in full.

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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all XXXX credit bureaus XXXX XXXX, TransUnion and XXXX  ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, TransUnion and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they maXXXX also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

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