BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed that Credit Collection Services of XXXX, MA filed an item in collections from XXXX against all 3 bureaus credit reports. I have never had an account with XXXX in my life, so I am angry that they filed a collection for a debt that I do not owe. I would also like to know where the account came from and would like to have an investigation started. 

This is a large debt of {$3400.00}. I tried to dispute this debt with the first reporting agency. XXXX XXXX was the first, and, after investigation, they reported that they were able to verify accuracy. So, I held off on disputing with XXXX and XXXX. 

Another thing I want to make perfectly clear is that this company did not call me once and reported this debt against my credit report. In my opinion, that means they did not do their due diligence ensuring that they are reporting debt against the correct individual. Not only did they file this debt in collections against my credit report, I never once received a call from XXXX or the collection agency. I am very upset and look forward to getting this resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Service offered to defer 3 months of mortgage payments in XX/XX/2020 due to the Covid Pandemic, which coincided with my office being closed and no staff was available to make any payments until XX/XX/2020. Carrington then reported my XXXX and XX/XX/2020 payments were late when they had promised to Defer the payments without penalty. All payments have been up to date Since XX/XX/2020. Please remove late payment comments on my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
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:
Account was settled in accordance to agreed schedule 3 years ago, and was removed from report. Shortly after it reported open and derogatory and reporting late payments every month since settlement. 
Still shows on XXXX  and experian and shows many late payments that were added after settled as agreed. 
Was told by issuer that after settled it would be removed from report. Instead they continued to report late and damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is reflecting on my consumer report as a " collection '' for {$1300.00} as well as a " charge-off '' with a {$0.00} balance. This information is inaccurate and I would like it removed from my report.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018. I went online to make a payment in the amount of XXXX. On the XXXX XXXX XXXX I checked the account that I made the payment from and noticed the money hadnt come out. I called capital one to see what couldve possibly happened and they told me to give it at least 3 days. I called back on the XXXX and was informed that I accidentally entered the account number incorrectly by ONE digit. We corrected the issue and the payment was accepted and processed. 3 weeks later Capital One closed my account without notice or an explanation. I was never notified via mail or phone call. I attempted to make a purchase and my card was declined at the register which was extremely embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: EQUIFAX, INC.
State: UT
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:
XXXX # XXXX is reporting lates to my account that I should not have. It has always been on auto draft and the debt was sold to XXXX XXXX at the beginning of 2018, however the new loan is also showing the same late. By law lenders are to give 60-90 days for servicing transfer. I was never late and this should not have lates on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to start by saying I've personally never done business with IC SYSTEMS. Ive never heard of the company ever. Im not sure how they have obtain my personal information but they are pursing me heavily regarding an debt owed for what? Im not really sure. It says XXXX XXXX attached with IC SYSTEMS on my credit report .Ive disputed this twice and I recently wrote this company to help me resolve this matter. They responded with an offer to pay half of the debt that was written on the letter sent to me saying I owe them. Ive never done business with this company and I do not owe them any cents of any dollar.

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 2021-09-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage payments XXXX due to the borrower ( my ex husband ) moving out and filing for divorce. 

Early XXXX I had my leg amputated and am now considered permanently XXXX so I have been unable to work since this time. 

When the borrower moved out, I was unable to maintain the payments on my own. The cost of everything has increased so drastically but my benefits stay the same. 

I applied for a loan modification and was repeatedly told that the documents I submitted were not received and to re-send them. I remember one specific occurrence where a representative said nothing was received and I sent it three times, the next person told me they had everything on file. 

I have time and time again called and submitted the necessary documents for my mortgage company to help me, only to get the run around. 

I applied again for a loan modification on XX/XX/XXXX and was told on XX/XX/XXXX that the investor of my loan is not willing to review another application for assistance at this time due to me not providing what was needed previously. THIS STATEMENT IS A FLAT OUT LIE! 

Time and time again I had my daughter drive me to XXXX so that I could send what was asked of me. The cost to send from XXXX became so much that I invested in my own scanner and printer to save both my daughter and I the headache of going to XXXX every other day. I have on leg and ca n't drive.

I know with certainty that if you pull all phone conversations that I have had with SPS, you will hear the inconsistent communication from their end. You will hear me calling to confirm that they have what I sent only to be told over and over that it wasn't received. 

It is much easier to believe that SPS has no intention of helping me than my 20+ faxes, all showing successfully transmission, don't actually appear for your office. 

In the last two years I have lost my leg and my husband and now SPS wants to leave me homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: CA
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:
Experian did not take into consideration that the misappropriated payments and payments not taken into consideration caused some months to be reported as late. Both Experian and XXXX XXXX the 2 companies involved here are already being punished by Federal and State agencies for their inefficiency and lack of correct customer service and support. The other three Credit reporting agencies resolved the issue without any problems, but Experian continues to defy and contribute to customer hardship and stress by taking their law into their own hands. There were several months in which I was not late on my payments and payments were not credited accordingly. I s appeal their decision that they have resolved the issue. Today I got an email from them mentioning that it was. Request that yo investigate my case more closely. 
Request to amend my complaint to discrimination and elder abuse.

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 2023-07-01
Company: Source Receivables Management LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SOURCE RECEIVABLES MNG has flagged your account as Collections on XX/XX/2023. I have NEVER had an account with XXXX XXXX in my life. this needs to be remove from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX disputes were mailed to to TransUnion for investigation of those accounts. TransUnion failed to respond. As a matter of fact TransUnion has committed several violations as it pertains to my credit profile. According to 15 U.S. Code 1681i ( A ) ( 1.A ) which is federal law the accounts that were disputed were supposed to be removed from my credit while a full and complete investigation took place. TransUnion did not remove or notate these accounts were even in dispute, much less remove them while an investigation took place. As per my understanding, the law is the law and these are my federally protected rights as a consumer. In my eyes and understanding TransUnion was willfully neglectful with the handling of my credit file. Also since were cognizant of the laws lets go a step further and note that under 15 U.S. Code 1681b-permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, No consent is identity theft. A copy of law is attached along with the dispute letter sent. 

Concerning the accounts listed below as a consumer Im demanding a deletion of these accounts. 

Acceptance Now Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX/XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX. Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX As a consumer Im enforcing my rights and demanding immediate deletion of the above listed accounts from my credit report.

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 2021-11-28
Company: The Aligned Company DBA Extra
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have been testing the extra debit credit builder card is the builder card which was in Beta mode at the time and experience experience difficult and a clarity of the services and the fees might be? Doesn't the phase I've requested my account to be closed over 30 days ago 30 days ago account I received email that my account was closed but then A-day later started receiving NSF It's official fun charges for my bank for extra attempting to collect a debt that I do not know I have not used card and Despite my request to close account and customer service representative and email a confirmative a confirmative account was closed account is not closed I have no access to portal And this company is going after my primary checking everyday results in a fee from my bank for S efficient funds for transaction that never authorized

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 2023-01-13
Company: EQUIFAX, 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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-07-01
Company: Source Receivables Management LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my second time disputing and submitting proof informing XXXX and their collection companies that this isnt my debt. Yet they keep placing it on my report. This has been going on for years at this point. It is bordeline harassment because as a XXXX mom my credit is my leverage and this is hurting my accounts. I would like this removed permanently. I have attached the same report from years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVIENT with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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:
This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.

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 2018-04-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had a account with American Express Business that went to collections. I was a XXXX XXXX of a XXXX XXXX in my local area when the account went to collections in XXXX. Since the summer of XXXX the account was settled and resolved with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Once again I review my credit report and the accounts I have disputed are still in my file. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof. Please verify and investigate these reporting accounts : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX are reporting 90 plus days late on the XXXX   account number XXXX. The date of last activity was in XXXX, 2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: EQUIFAX, INC.
State: CA
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 I only have one of the two XXXX entry because from some miracle I disputed them both 6 weeks ago and they took one off and not the other. I talked to XXXX and they said they sent an electronic message to XXXX  stating the XXXX delinquency as XX/XX/XXXX. They said they sent this on XX/XX/XXXX. I sent a dispute attaching proof that the date of delinquency is XX/XX/XXXX therefore it should be off my credit report. Since then XXXX  reported back to me they did there investigation even after I sent proof to them with what I attached from XXXX, they still have not fixed it and state that the date of delinquency is XX/XX/XXXX. I asked XXXX  even having proof of the date of delinquency from XXXX you have not removed it from my credit report and they said XXXX says it is right XX/XX/XXXX date. I asked what is the point of sending proof they said to me even if your correct and you have proof from the creditor and the creditor still reports wrong we will always do what the creditor says. I said so proof doesn't matter right and he said in your case it does not matter. 

On Equifax I have two XXXX entry I talked to XXXX and they said they sent an electronic message to Equifax stating the XXXX delinquency as XX/XX/XXXX on both accounts. They said they sent this on XX/XX/XXXX. I sent a dispute attaching proof that the date of delinquency is XX/XX/XXXX therefore it should be off my credit report. Since then Equifax reported back to me they did there investigation even after I sent proof to them with what I attached from XXXX, they still have not fixed it and state that the date of delinquency is XX/XX/XXXX. I asked Equifax even having proof of the date of delinquency from XXXX you have not removed it from my credit report and they said XXXX says it is right XX/XX/XXXX date. I asked what is the point of sending proof they said to me even if your correct and you have proof from the creditor and the creditor still reports wrong we will always do what the creditor says. I said so proof doesn't matter right and he said in your case it does not matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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