BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-28
Company: Security Credit Services, LLC
State: MO
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:
I purchased a vehicle in XX/XX/XXXX from a car lot and less than a year later my loan was sold without my knowledge to another company. I have never signed papers with this company and had no knowledge of the sale until they called me saying I was delinquent. I also had never had the title to the vehicle in question as the original car lot requested that it be sent back to them. So I requested an address and payment information as well as the title from the new company and started making payments. I never did receive the title. Later in XX/XX/XXXX the vehicle in question was stolen. I filed a police report and called XXXX XXXX XXXX to inform them. I also advised them that I would continue working with police to find the vehicle but after it was located I would be doing a voluntary repossession to give them the vehicle back. The vehicle was found in XX/XX/XXXX and I was notified. I retrieved my belongings from the vehicle and called XXXX XXXX XXXX to retrieve their vehicle. I was then called two days later from the tow company that the car was indeed retrieved by XXXX XXXX XXXX. Almost two years later XXXX XXXX XXXX reported the vehicle to collections in the amount of {$5500.00}. I fought this account as non accurate and it was removed from my credit. On XX/XX/XXXX another collection named Security Credit Services showed up on my report for the same vehicle. I contacted the collection agency denying the debt and asked for all information about the original collector. All the collection agency would tell me was that it was from XXXX XXXX XXXX and it was over the Cobalt in question. Not only is it on the same vehicle that I do not have possession of, and haven't for many years, but the collection agency has 're aged ' the debt to reflect original debt from XX/XX/XXXX. This is inaccurate and I believe this is in violation of the Fair Credit Reporting Act. I ask that this account be immediately purged from my credit as well as the collection agency flagged. 
Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Acct number : XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I have also forwarded a copy of the police report to the collection agency as proof that the information is incorrect as well as the case number for the criminal that pled guilty to the theft, was convicted, and is now in DOC for said theft. 
I have not been able to get into contact with the original debtor due to no listing for their business anymore. I have not found an address, phone number, email, fax, nor a matching name while trying to get into contact with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I submitted a letter from XXXX XXXX XXXX stating the balance as of today is {$0.00} and a payment of {$330.00} was made on XX/XX/2017.

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 2020-05-28
Company: Experian Information Solutions Inc.
State: NJ
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:
For the last few months I have been monitoring and working on my credit. I have been checking with Experian which is the agency that I have the issue with. For the last few months my score has slowly risen to a decent rating. Recently, I reduced all credit card usage to 0 % utilization and consolidated my student loans. My Experian score adjusted down 14 points as a result of this. My score was at a XXXX and then took a 14 point dive without any reason an or cause. There would be no reason for my score to decrease when I have actually decreased my overall debt obligations and have limited the amount of credit usage below the recommended 6 %. The other issue I have is with this agencies handling of accounts being added to reports from frivolous sources. I have been working hard to fix my credit. It just seems that Experian continues to try to keep consumer credit scores from hitting the " GOOD '' rating. My credit score should have hit the " GOOD '' range with this update, however, I take a credit score decrease after XXXX  off all balances, this makes no sense and it makes no sense how XXXX  and XXXX  have all updated with the same info and have placed my account into a good status. I have also tried to contact Experian by phone several times and at no point can I speak to a live agent. The line disconnects while you are on hold forcing you to start over.

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 2021-05-03
Company: Santander Consumer USA Holdings 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:
Hello Santander Consumer department ; Listen, I'm a little concerned about how this account continues to report on my credit profile. There are so many inaccuracies, incompleteness, and misleading information. See the attachments! Why are there so many inconsistencies in the way it's reporting? How come? Each credit bureau is reporting a different amount owed - which i already paid off the accounts months ago! Each credit bureau is reporting different dates of last active, dates of last payment, dates of last verified, different comments on the account, inconsistent with payment history, etc. I paid off this account but XXXX  is showing that i still owed $ XXXX? How? Also, the date opened seemed questionable? Also, i'm missing a lot of payment history ... Look at it closely on the attachment ... Impossible that you verified this account from my previous disputes and yet it continues to report all these errors. Delete for inaccuracies! Even the account rating shows, closed, open, and paid! HOW???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, Capital One threatened to sue XXXX XXXX, over an alleged credit card account. OnXX/XX/XXXX Debt Collector, XXXX, XXXX, XXXX  XXXX, filed a lawsuit as a courtesy to Capital One, in XXXX County Municipal Court. On XXXX, XXXX, XXXX, XXXX XXXX, signed for service of lawsuit. On XX/XX/XXXXXXXX XXXX, responded to lawsuit, via facsimile, at XXXX  ( XXXX ) XXXX, with the attached DEBT VALIDATION NOTICE, Answer, and 41 ( d ) motion, totaling six pages. The attached receipt will show that the court received only four pages, at XXXX  XXXX XXXX XXXX XXXX, because the validation notice is not a pleading. As of today,XX/XX/XXXX, neither Capital One, or XXXX, XXXX, XXXX  XXXX, have responded to the debt validation request within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Associated Credit Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a family pass for bio XXXX XXXX. It was paid by auto pay from my bank account every month starting XX/XX/2022. Now Im getting a debt letter saying I owe for XXXX and XXXX. But it was paid up. I never used the membership and called XXXX XXXX about discount for following year. They were to send me something in mail and email. But instead I got a debt agency letter saying I owe money. When I called them they ask for whole year monies! Which was auto paid through my bank. XXXX XXXX XXXX is the one I was talking to and he kept changing amount of money to more and more. Bullying me to pay up. Then when I said this is fraud and I was going to report it He hung up. I tried calling back and it automatically hung up. 


He threatens my credit. Associated credit services account number XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have any disputes resolve or any feed back regarding this matter and its been well over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I have called Navient many times after XXXX discharged this issue on the complaint XXXX. Last contact date to Navient was XX/XX/XXXX. They refuse to remove the late payments and Navient stated I would have to call the credit bureaus to have it removed. Navient discharged the  fraudulent account on XXXX and then sold the accounts to XXXX  in which I had to have this issue discharged with XXXX.XXXX resold it back to Navient. This issue is bouncing around after I notify them of fraud. Lastly, Navient new of this matter and they still have the discharge information from when I notified them and left the account on my profile. This matter shows currently open on my XXXX report as well as 120-180 late payments. Navient has not furnished me a promissory note to show proof of the said debt. I want the late payments removed and the accounts of debt.There are a total of 6 accounts : STUDENT LOANS DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$7800.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$5800.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$5100.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$4500.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$2100.00} 120+ Days Late The account was closed but still, show late payments from my complaint : XXXX. I wish to have it removed along with late payments. 
XXXX {$13000.00} Closed Overview You've paid off -34 % of your student loan amount. 
Balance {$13000.00} Highest Balance {$10000.00} Monthly payment {$0.00} Opened Unknown Term months Payment History Youve made 86 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks Consumer disputes this account information Collection account Fixed rate Times 30/60/90 days late I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX XXXX and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to XXXX ( XXXX XXXX XXXX XXXX ) Account # : XXXX. I faxed the information to that company onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Bread Financial Holdings, 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:
in accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 Section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as fot late purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I began disputing a collection account in writing as of XX/XX/2018. The collection company ( XXXX ) called me on a saturday afternoon ( I had not received anything in writing that there was anything to dispute ). The agent was told not to contact me further, and she states, " I will keep calling until you pay your debt -- all calls should be recorded ). 
The first collection letter from XXXX was billed for {$1700.00} ( an amount submitted by XXXX XXXX ). 
After I began my dispute with the 3 credit bureau giants,  Experian made an adjustment to reflect {$910.00} on my credit report as of XX/XX/18. 
I submitted emails the Experian and evidence that the property management company ( XXXX XXXX ) admitted the were wrong to bill me for rent when they already had lease on the unit as of XX/XX/XXXX. The landlord-tenant laws states a company can not try and collect rent plus reletting fees if another tenant is living in the unit of the prior person. I have made several attempts to have the collection account removed based on these facts, but Experian, XXXX and XXXX XXXX have refused to respond or make proper adjustments.

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 2018-04-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I learned I was the victim of identity theft. Upon reviewing my Experian credit report I discovered numerous errors and accounts resulting from the identity theft. I sent an initial dispute letter dated XX/XX/XXXX notifying Experian of the errors and requested that the information be corrected. In that letter I requested, should they refuse to delete an item, that under federal and state law that they provide me a copy of evidence in support of their findings. I also advised them of my rights as a victim of identity theft and submitted all required documents per statutes. 

I monitored the report for the next several months while Experian investigated the issue. 

In XX/XX/XXXX I reviewed a new copy of my Experian credit report. I found that it still contained two errors. I sent a letter to Experian dated XX/XX/XXXX, a copy of which is attached. In that letter I demand that Experian correct these errors. I submitted documentary evidence clearly showing that the information is incorrect. I also requested that in accordance with federal and state laws that Experian provide me with records pertaining to this account and information on how they verified the information. 

On XX/XX/XXXX I received a generic response indicating that the " company that reported the information has certified to Experian that the information is accurate. '' However, I did not receive any of the documents or proof or an explanation of the procedure for how and who verified this information. 

Experian refuses to correct the inaccurate information they are reporting about me. Further, Experian refuses to follow federal and state guidelines that require them to correct incorrect information, taken certain steps for victims of ID theft, and to provide records pertaining to a " description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonable available the telephone number '' upon my request. 

As of the date of this complaint Experian has failed to either correct the information or provide a description for how they " certified '' the information.

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 2017-12-17
Company: Servatus Corporation
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have attempted multiple times over the last several years to contact this creditor to settle debt and remove from my credit profile but i have been unable to receive any responses from mail email or any other source of communication medium. 

prior to their communication going dead i received multiple threatening calls to have me arrested and put in jail and after i was attempting to develop a re-payment strategy this company become difficult and impossible to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 paid this collection and agree to deleted from my reports. But they wont remove it from my reports. Saying theyre not allowed to deleted

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 2018-12-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Bank started and Escrow account for me in XX/XX/XXXX, for home owners insurance {$1300.00} and Property Taxes for {$5000.00} totaling {$6400.00}. 

My mortgage payments were {$520.00} per month, my Bank is charging me {$1000.00} per month I have being paying every month and only missed 1 payment however to correct that problem I made 2 payments in one month.. 


I also told my Bank in XX/XX/XXXX that I wanted to reduce my payments to my original amount of {$520.00} and if they would please give me the amount that I can pay now so I can go back to my normal payment. 

I being asking several times and even faxed my request to the fax number they have for assistance on mortgage, they have not responded to me at all, I being asking every month the last 3 months on the phone when making my payments. 

Is like they don't want me to stop making those big payments, as far as I am concern that most be illegal from an institution like a XXXX XXXX. 

I would appreciate any help or advise from your group. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, INC.
State: FL
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:
on XXXX XXXX, 2020 at XXXX XXXX  Delivered to Agent for Final Delivery XXXX, PA XXXX i contacted credit reporting agency about a fraud on my report. agency did not follow protocol as needed to remove fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX Subject : SCAM/FRAUD Dear CFPB Complaints Department, I wish to lodge and official complaint agains XXXX XXXX & Bank of Amercia who did not return my funds or respond to my letters, Fax or E-Mails. 

I am the victim of SCAM/Fraud XXXX USD IRS & XXXX USD for opending my bank account. The following persons were involved. 

XXXX XXXX XXXX, Compliance Mgr XXXX XXXX XXXX XXXX XXXX XXXX, Attorney XXXX XXXX XXXX XXXX XXXX, Attorney XXXX XXXX   Partners E-mail : XXXX ( This may not be legitimate ). 
E-Mail : XXXX Given Address most likely not ligitmate as my post was returned " unknown at this address ''. 

XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Tel or Fax XXXX XXXX XXXX XXXX Tel. XXXX XXXX XXXX XXXX ( Always busy irrelevant of when I call ). 
Tel. XXXX XXXX XXXX XXXX I have left many messages but no response. 
They did have a web page but this has since disappeared! 

The only address I found the Internet for XXXX XXXX XXXX was dated 2017 It is uncertain if XXXX XXXX XXXX really exist? 

Name : XXXX XXXX XXXX Email : XXXX Organization : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX. 

XXXX XXXX XXXX, New York Regulatory Office ( XXXX ) E-mail : XXXX XXXX XXXX XXXX, IRS International Audit Department E-Mail : IRS.gov.us International Audits Please be informed that I still have once again been unable to contact you on any of the numbers below. 
XXXX XXXX Tel XXXX XXXX XXXX XXXX Tel XXXX XXXX XXXX XXXX I also left many messages on their answerphone but no response! 

I have requested my bank XXXX XXXX XXXX XXXX on

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 2020-05-28
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX reports a 30 day late payment in XX/XX/2020 for credit card # XXXX. This account was not late and given a deferment due to COVID-19 and was paid in full the following month. During the deferment the account payment was supposed to be set to zero and not reported as late or negative to the credit bureaus.I contacted XXXX XXXX and was instructed that the information was incorrect and to contact the credit unions to dispute. XXXX  completed an investigation but did not update the incorrect information.

Company response to consumer: Closed with explanation