BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I closed my account with XXXX in XX/XX/XXXX and had a balance due of {$680.00}. I received a letter from dated XX/XX/XXXX which stated they would be sending it to collections. I made a settlement payment of {$300.00} on XX/XX/XXXX. 
I received no further communication from XXXX or anyone else. 

In XXXX I noticed a new collection account on my credit report for {$870.00} from Diversified Collections. When I tried to contact them, I was told it was a new debt, which I knew wasn't true. 

I was finally recently able to contact XXXX and told by them that they had charged off the debt XXXX XXXX. XXXX and sent it to collections XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A company - AMSHERCOLLECTIONSERVICES 11 XXXX XXXX XXXX Appeared in my credit report. I have never received communication from this agency, I have no knowledge of this debt or why it is owed and they submitted the action during the NY shutdown when items were not to be added to credit reports and there was a moratorium on action being taken in accounts. This action severely hurt my credit and prevented me from being able to receive a loan i needed to purchase a new fridge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
my name is XXXX XXXX am I have huge debt that started in 1997. I owe {$20000.00} in student loans payment to Sallie Mae. I was told to consolidate the loan and since that decision my loan balloon up to about {$68000.00}. With monthly payments of XXXX monthly. I have been in and out of work for some time and been trying to make payments with part time job. I like for this loan to forgiven or reduce so I can get my life back on track. The new company Naivent I'm not sure were they come from. I get harassing phone calls and solution WITH DEAD ENDS. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I ca n't bring up any of my account money or Rush Goals have my money. I 'm waiting on {$200.00} to be released. Rushcard has been horrible with fixing this information

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
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: Reporting company used your report improperly

Complaint:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EQUIFAX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EQUIFAX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MIDLAND CREDIT GROUP IS TRYING TO COLLECT A DEBT FOR XXXX XXXX THAT ACCOUNT HAS BEEN CLOSED ALSO I NEVER GOT NOTIFICATION BY MAIL EMAIL PHONE CALL STATEING IT WAS TURNED OVER TO MIDLAND CREDIT GROUP I NEVER COULD HAVE PUT IN WRITING OR EMAIL ABOUT WHY I AM DISPUTING IT ALSO NOBODY FROM XXXX XXXX NOTIFIED ME MY ACCOUNT WAS SOLD TO MIDLAND CREDIT GROUP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: Experian Information Solutions Inc.
State: GA
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:
My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. These event has prevented me from getting finance as well as a better jobt to better my life.

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 2020-11-26
Company: ClearPath Lending
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
From XX/XX/2020 to XX/XX/2020 I have been receiving solicitation letters from a company called Clearpath. This company targets veterans to take out refinance loans at a lower rate. I contacted the company by phone and email and informed them that I was/am not interested in their product and did no/do not want to do business with them. I called and was told by a person at their call center that my name and information would removed from their database and that my personal information would not be sold or rented to any of their subsidiaries or any private companies or organizations. I made that call after receiving countless solicitation letters and calls from Clearpath prior to XXXX XXXX/2020. On or about the XXXX of XXXX 2020. After I emailed a complaint to Clearpath 's corporate complaint email address I received an response stating that the solicitation letters would stop. Well, I just received two more solicitation letters, one on XX/XX/2020 and one on XXXX/XXXX/2020, and in total from XX/XX/2020 until XX/XX/2020 I have received 11 solicitation letters. I WANT THESE BULLY TACTICS TO STOP!!!!! Can you help me. 

Thank you 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 2020-07-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts, nor did I live at any of these addresses.

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 2023-03-30
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 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 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 2016-02-16
Company: ACCELERATED COLLECTION SERVICE, INC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My boyfriend was admitted to XXXX XXXX hospital in XXXX of XXXX, they never sent us a bill then billed all of his services as out of network. We asked for this to be corrected and they assured us that the situation would be resolved. Today they have NEVER sent us a bill only print out with a list of the charges and a statement showing that this is not a bill. They then turned the account over to a collection agency Accelerated Collections. We again repeatedly asked for a bill as we had never received XXXX and were told that XXXX had been sent. We supplied them with what was sent to us clearly showing that the it read this is not a bill. When we initially asked for a payment arraignments they said no. In XXXX of XXXX they finally agreed to a payment arraignment. They had also added my name to his account even though him and I are not married and they were told this several times. They also have no reported this on to my credit report and a joint debit that was never mine to begin with. They also refuse to present a settlement offer to the original debit holder for approval.

Company response to consumer: Closed
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. I have sent you a utility bill showing my correct address. I am not a credit repair company nor am I a mortgage company. Please remove these accounts.

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 2021-04-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
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:
TOYOTA MOTOR CREDIT marked me late on my lease on XXXX, XXXX and XXXX of XXXX. From the date my lease was taken out, I made {$300.00} weekly payments every single week. I never missed a payment. When covid hit, we lost our jobs and used the advanced payments to pay for our lease. We spoke to several representatives throughout XXXX to make sure we were current on our payments. We were advised several times we were good until XX/XX/XXXX. It wasn't until I checked my credit report to see that we were marked late. What is weird is that XXXX was paid on time but XXXX was late. I spoke to a sweet girl name XXXX who advised that this was their error and it would be removed off of my credit report. This has not been taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: MA
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:
HI, i'm not sure what's going on, but it's been more than 90 days and the company and credit bureaus/reporting agencies failed to send me the results for the investigation. The student loan still reports incomplete, and unverifiable information. There are so many inconsistencies getting reported between the 3 credit reporting agencies. I don't want to waste my time or anyone else time. I need this removed from my credit report. Please delete!

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 2023-05-16
Company: DISCOVER BANK
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:
On XX/XX/2023 I requested Discovery to send validate that competent evidence bearing my signature showing that I have some contractually obligation to pay. In response of my request, Discovery send a statement which is not evidence of a signature for a agreement. Therefore, I sent another letter on XX/XX/2023. Requesting a signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: SC
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:
At this point you are not allowing me my legal access to the information on my personal credit profile as provided by the FAIR CREDIT REPORTING ACT. I am requesting to you to please release my personal credit report. I have included copies of official documentation confirming my drivers license, date of birth and social security number as required by you to verify my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Fixed debt with creditor and was settled in full they removed the debt from one report but havent from others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Selene Finance LP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I was offered a Trial Modification from Selene Finance. I made a down payment of {$1500.00} on XX/XX/XXXX and made another down payment of {$700.00}. Totaled {$22000.00}. As of XX/XX/XXXX, my mortgage was transferred to XXXX XXXX XXXX. I was unaware of it. The person I spoke with at Selene Finance told me to keep all of my paperwork, I did through e-mail and they will transfer everything plus the money down payment to XXXX. Now all of sudden, XXXX claimed they did not transfer the money and they will not honor the Trial Modification. I do have the problem of XXXX not honoring the Trial Modification, but no one knows where is the money. That is a problem with me. Now I have to go to court, as of XX/XX/XXXX to explain my situation or the judge will put a judgement against my home. I am so done with these mortgage companies. They sure know how to deal with a vulnerable person knowing they are trying to keep Their home. Just want to know where is my down payment Selene suppose to transfer Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: NV
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:
MY NAME IS XXXX XXXX XXXX AND I AM NOT AN XXXX  OR HAVE I EVER BEEN INFLUENCED BY XXXX. Equifax had a data breach and I was affected. my information was exposed to different companies including a company in Texas called XXXXXXXX XXXX. Equifax was reporting An account from this company stating that I owe them {$1400.00}. I had no knowledge of this company And when I reached out to the company XXXX XXXX  to resolve this matter, they was not sure how my information was MIXED UP WITH ANOTHER PERSON in their system. After I submitted an identity theft complaint, I disputed the information to Equifax and it took MONTHS for them to take any action into removing the account immediately. Although the XXXX account was deleted, I was still affected by them reporting this account on my credit report and was denied credit based upon the inaccurate information on my report which was not fair to me what's so ever. As a Federally protected consumer, My privacy rights have been violated and under the Fair Credit Reporting Act that is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for XXXX years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
bank closed acct per my letter of 6 weeks ago. can not sign on and can not call. Wait times are horrific. never received the funds in acct up to today. have written 2 letters to close and send funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: GA
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 believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Using certified mail, I wrote in a request to investigation into items that are being reporting on my credit file I believed were obsolete. The company has failed and yet to forward me sufficient documents pertaining to my those item. 

The action that has been taken has been done. Other than keep sending me computer generated responses/results of " still pending '' This has been an ongoing battle with these companies for well of 3 months.

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 2020-09-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 I notified Citibank that two checks that were written from my account was not cashed by the intended party. I have presented the issue to the lender citing the checks that were presented to be cashed were not endorsed as is done on all other checks. I have offered my sworn affidavit indicating the intended party never received or cashed the checks as evidenced. the banking institution refuses to credit my account with the money requested. It has been one year and three months and I am still waiting for my money to be credited and or reimbursed by Citibank, accordingly. I have been with this bank for seventeen plus years, without incident and they will not review this internal fraud and ultimately refund my money. I have attached proof for reference. the checks in question are as follows check number XXXX in the amount of {$160.00} and check number XXXX in the amount of {$600.00}. My complaints and calls are not being addressed and handled accordingly.

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 2023-06-16
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THE OPEN DATE OF THE ACCOUNT IS INCORRECT, THE DELINQUENCY IS INCORRECT. THIS WAS PAID OFF AND CLOSED.

Company response to consumer: Closed with explanation