BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-31
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted speedy cash, as well as XXXX XXXX XXXX XXXX, fraud department with no success! I am a victim of identity theft someone took out a loan online using different phone number, different email, different work number there for speedy cash can not give me information! When it was in fact taken out in my name and is in collections. Ive tried several attempts to communicate and inform them this is not my account!! XXXX Please help XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello I called are Clark and associates and spoke with a Supervisor by the name of XXXX XXXX and she told me who I owed, how much and advised me she can do a pay for delete. I advised her ok Ill call back tomorrow to pay the balance due she said ok. On Tuesday XX/XX/2018 she called and left me a voicemail XXXX. She then called me back on Tuesday 5 minutes later and then 2 hours later she called again. On Thursday she called me at XXXX and my daughter answered and she said XXXX and my daughter advised her my mom is busy she started laughing and said ok and hung up. I think her tactics are harassing Im willing to pay my bill but not when she is being harassing. I have the voicemail and call records and the call recorded when she spoke to my daughter. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
XX/XX/2020 email was sent to Barclay bank asking for forgiveness due to Covid19 Pandemic. Account was not past 30 days late at the time of enrollment into Program XX/XX/2020 Barclay bank confirmed and acknowledged enrollment. 
The following month Barclay began reporting the account as 30 days late. 
All phone lines to Barclay were shut off as result to Pandemic. I  sent at least 5-6 emails disputing the mistake that went unresolved. In addition, 1 fax was sent in early XXXX. 2 certified mail letters sent to Barclay all UNASWERED and over 2 months ago. In total 3 months of erroneous and incorrect reporting has decimated my credit during the Covid19 Pandemic despite the accounts enrollment into assistance program. Late Fees continued to be assessed as well. Letters and emails specifically cited the violation of CARES act, and provided evidence of enrollment- no correction has been made to date. 
Last week the final email was sent again citing the law and demanding this time a supervisor 's attention. Two days ago Barclay response " Supervisor reaching out to contact within 24-48 hours ''. 

As of todayXXXX the account is still reporting 30-60 late. 

It is worth mentioning : Consequently because of this 30 late reporting +3 months now another creditor XXXX XXXX, After pulling a soft inquiry into my credit last month has apparently seen and learned from Barclays that this okay to do. Since Barclays has gone uncorrected for so long XXXX XXXX  has Now has decided to go back in time 3 months previous and to change what had been reporting as ON TIME to now 30 days late -replicating what Barclays started.  This error has now caused a domino effect to spiral out of control with now 2 creditors and my credit has been torn apart as a direct result, all while trying to get through a pandemic.

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 monetary relief
Consumer complaint received 2021-10-24
Company: Atlanticus Services Corporation
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 status incorrect

Complaint:
XX/XX/XXXX Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/XXXX for my Fortiva/XXXX account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my XXXX that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 

In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 

Thank you for your consideration. 

Have a blessed day!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, I received a collection notice with the amount of {$2900.00} from a collection company called XXXX XXXX XXXX saying that they represent Citizens Bank. With the file number of XXXX. They offered me to pay 9 monthly payment of {$98.00}. However, I used to have a Citizens bank account which was paid off on XX/XX/2017 according to my XXXX  report. And the account with Citizens bank   is XXXX. I also checked my credit report that shows my Citizen bank  education account was paid off already. I had tried calling this company with no person picking up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX I CONTINUED TO RECEIVED REPEATEDLY ROBO RECORDED MESSAGES ALL THROGH OUT THE DAY XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ) ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX XXXX XXXX  ) ( XXXX ) RECORDED MESSAGE XXXX ( XXXX XXXX XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) RECORDED MESSAGE THESE ARE ALL ROBO CALLS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: HCFS Healthcare Financial Services of TeamHealth
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:
I requested a method of validation on XX/XX/2022. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. They sent me a letter that does not include the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me XXXX XXXX XXXX XXXX to the point where I'm having trouble sleeping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A forged check in the amount of {$6600.00} was drawn from our company account on XX/XX/2019. This was brought to the attention of our bank, Wells Fargo Bank when the account was reconciled. Despite numerous requests Wells Fargo has not been helpful in resolving the issue by claiming : 1. no responsibility in clearing a check that was totally out of sequence ( our last check was number XXXX and the check presented was number XXXX ) ; 2. the crime was brought to their attention more than 30 days after its occurrence ; 3. that it can not reveal whether the perpetuator of the crime was still an account holder at Wells Fargo ; and 4. that it is not Wells Fargo 's responsibility to help resolve this crime.

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 2023-06-20
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:
Ive sent letters to all 3 credit bureaus telling them that there was a lot of incorrect information on my credit report. Any inaccurate information must be deleted. Theyre breaking the law by reporting inaccurate information on my credit report. Ive tried calling numerous times but that didnt change anything. There are multiple accounts on my credit report that are showing different opening dates and balances across the different bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: Experian Information Solutions 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:
There is an account reporting on my credit file with XXXX XXXX XXXX XXXX showing as charged off. That is not the case. I spoke to XXXX XXXX and they said it's not charged off it's only past due. I have dispute this with the bureaus sevearl times and yet they still report it as charged off. That is not accurate

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 2020-09-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I was looking over my credit report and I noticed that a few 30 days late payments that weresupposed to be removed ON MY XXXX XXXX XXXX XXXX. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in themiddle of moving and this alate mark is preventing me from moving into a new apt . I wasunder the COVID-19 SHUTDOWN and I believe I can use some help with the remove of thelate payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit .The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XXXX. I had to move do to job loss and never had a bill update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: NAVY FEDERAL CREDIT UNION
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:
We own a restaurant in XXXX and during XXXXovid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the the president, the late fees were not to be assessed during Covid and the the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being effected from the late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX. 
Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 149 days and counting And still I can not prove I own the home I live in.

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 2022-12-06
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: LA
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 received my credit report from Equifax and I noticed a derogatory mark from XXXX XXXX XXXX. This account is involved in ligation. I disputed this with Equifax and with XXXX XXXX XXXX. I was not notified on the outcome of this investigation. It has been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
On XXXX I was notified by XXXX XXXX XXXX that my quote was {$400.00} higher as a result of reporting from LexisNexis. I contacted LexisNexis through their online portal on XX/XX/2021 to request a copy of my report. Their response indicated that they had no report under my name and that if I felt that that information was incorrect, I should provide proof of my reason. I forward the email from XXXX to LexisNexis on XX/XX/2021 to the address they provided in XXXX, XXXX By XX/XX/2021 I had not received a response and wrote to them once again. As of today, XX/XX/2021, I still have not received any response. After three inquiries dating back to XXXX, I feel they have chosen not to respond. I would appreciate any help you can provide as this matter clearly is affecting my credit. The LexisNexis Dispute Case # is XXXX. Thank you in advance for any help you may be able to provide. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 a Certified letter was created and sent to Experian Credit reporting which included all necessary documentation requirements to demand " VERIFIABLE PROOF '' of an original consumer contract with my signature on it for the account named XXXX XXXX for the original creditor XXXX. Account # XXXX This request was asked for under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) that Experian is required by Federal Law to verify through PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT. 

On XX/XX/2019 a Certified letter was also created and sent to XXXX XXXX demanding the same detailed information. As of today 's date XX/XX/2019 I have received NO REPLY from XXXX XXXX. 

As of XX/XX/2019 I have received through general USPS mail, that the dispute result to my above correspondence from Experian informing me that the company ( XXXX XXXX ) " CERTIFIED '' and " ACCURATE '' information that they are reporting to Experian and my dispute remains unchanged This is NOT what I requested from either Experian or XXXX XXXX. I asked for PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT to which under Federal law they are REQUIRED to provide or the negative item reporting has to be removed immediately.

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 2021-01-25
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: Information belongs to someone else

Complaint:
The XXXX XXXX address that is listed on my credit report - I have never resided at that residence. This item needs to be removed - there have been several instances in which I get asked security questions about this address as if I lived there. The other addresses that are listed are correct. I asked this items to be removed before and i dont believe it was fully removed. across all reporting agencies.

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 2019-06-27
Company: DriveTime
State: PA
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 was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.

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 2023-05-23
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation