BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-30
Company: ARS National Services, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX do not agree with a collection process initiated against me. There was only a letter from ARS National Services , Inc., stating that they have been hired by XXXX XXXX XXXX XXXX, without proof of transfer. The Federal Trade Commission made it clear in a decision against a national debt collection agency in 2009 ( FTC v. XXXX XXXX XXXX XXXX that a collection must show proof, i.e. a written transfer of information and the right to collect on a debt. My rights have been violated under the Fair Debt Collection Practices Act. ARS has posted a collection on my credit bureaus without first submitting proof that they had the right to collect on a debt. I am not disputing that there was an obligation owed to XXXX XXXX XXXX XXXX, what I am disputing is the egregious act of destroying my credit without going through a legitimate process. I have already been a victim to an FDCPA violation and a violation of the FTC mandate to validate a collection, as well as showing proof that the collection is well within state guidelines where I reside. Since I am a XXXX XXXX member of the United States XXXX XXXX, I take my rights serious, as much as I take my loyalty to the United States. Therefore, I believe ARS should accept a settlement in the amount of {$200.00}, and state on record that any reference to me personally on all pertinent credit reporting agencies to delete all information against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXX Balance Owed : {$4300.00}

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 2021-05-26
Company: American First Finance, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called American First Financial on XX/XX/XXXX to pay off a debt. They found my account info only after asking for my husband 's information. The account is solely under me! We were both then referred to a third party that has no record of any of either our information/account. After calling back to speak to AFF and having them give me the gauntlet of questions to pull up my account,, they tell me I owe XXXX $ more than is on my credit report. When asked why such a difference I was only told they report once a month and that the numbers don't need to match. ( This number on my credit report has been the same for months ) We were told to give it 24 hrs for the system to receive our account. We called on Tuesday and after the 6th call American First Financial blocked my husband 's phone number. He had to call from a co-workers phone to get thru. Again today XX/XX/XXXX the third party says they have no record of us and now American First says we need to wait until Friday and try again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: CO
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 is reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) All of these accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on accounts with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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:
On XX/XX/XXXX I submitted a complaint XXXX Explaining that this account XXXX DEPT OF EDUCATION did not belong to me & was a fraud account. I also explained that I was personally sending this dispute and I received a computer generated response. I am asking again to please delete this account and review all the identity theft information that I previously sent you.

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 2021-01-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I saw an alert on my Experian Credit Report about a rental inquiry for an XXXX. I immediately called XXXX XXXX XXXX at XXXX. They told me that XXXX XXXX XXXX requested the screening. XXXX XXXX XXXX number is XXXX. I immediately called them. XXXX answered the phone and I told him about my situation. My wife asked to speak to the manager. They both told us that they would take care of it. XXXX admitted that he ran my name because another applicant had a similar name. He also stated that my name popped on the computer because I did apply for a XXXX XXXX XXXX but that was back in XX/XX/XXXX. He told me that he would fix the problem. He called back and said that I had to talk to XXXX. Their number is XXXX. I talked to Experian about having it removed. I called XXXX and I called XXXX. I was told by Experian that XXXX XXXX XXXX should fix this for me. I was directed to you all so you can help me get this off of my credit report. The report number is 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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY FILE WHILE I WAS XXXX, I NEVER BENEFITED FROM THESE ACOUNTS OR INQUIRIES.

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 2020-05-30
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2020, SYNCB/PPC put a late Payment on my account. This was an auto payment from my own bank and for some reason the payment did not go through. i discussed with SYNCB/PPC on this manner since this was my first time making a late payment but no luck. They never remove the late payment that was associated with the same issue. i see now it just popped up on the two others bureaus and this has really and greatly lowered my score.

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 2019-03-04
Company: NCC Business Services, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was never notified from NCC business services about this debt being transferred to them for collection. According to the fair collection act law, as the supposed debtor I am required by law to be notified of such action by written 30 day notice.The original debt is from XXXX at XXXX which I gave my forwarding address to. I made arrangements with their property management company to make payments on this debt. The management company name is XXXX XXXX. I have made two payments to this company via my checking account. I was paying as agreed, one payment on XX/XX/XXXX for {$120.00} on line and another {$50.00} payment via Mail with check # XXXX, XXXX XXXX  dated XX/XX/XXXX which had not been deposited until XX/XX/XXXX for payment. However it is stated on my credit report that last payment received was XX/XX/XXXX this date is inaccurate as well. I have made several attempts to contact the original debtor concerning this matter and have left several messages with no response. Also I have disputed this item with all 3 credit bureau agencies, XXXX, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
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:
I filing this complaint, Equifax, XXXX, and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2019, I applied for a credit card through an offer from the mail. I followed the weblink on the application, citi.comXXXX and followed the prompts. 
Once the application was completed it was submitted and approved. I was not given the option to deny or accept the terms it was automatic. 
When you complete the application process you are automatically signed up for the card before knowing what your interest rates or what your credit limit will be. This is not okay at all. 
I should know exactly what I am signing up for before accepting and given the choice to accept or decline. 
Also, the mailer I received offered the interest rates at 23.99 % and was given 24.74 %. When I tried to call customer service at XXXX XXXX PST I was transferred twice, hung up on once and told there was nothing I could do until 72 hours of submitting the application. And by filling out the application I was approving whatever they gave me without given the chance to deny their terms.

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 2018-05-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been disenrolled from recurring monthly payments a number of times without being notified. My account has then been at risk of having a late payment. I have re-enrolled and again am disenrolled. Now the bank has removed the possibility of doing recurring payments on my mortgage account which is ridiculous and probably fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, 2017 my identity was stolen and accounts were opened in my name for XXXX XXXX XXXX, XXXX and XXXX. I filed all the necessary paperwork ( Police Report, ID Theft Affidavit, ID Theft Report ), had all the accounts removed from my credit report, froze my credit and contacted XXXX XXXX XXXX, XXXX and XXXX to inform them of the identity theft. I then filled out multiple pages of paperwork with each creditor to prove the identity theft. Despite all these efforts, XXXX XXXX XXXX and XXXX continue to sell this debt to collection agencies, who then call me. Even worse, these fraudulent accounts keeps reappearing on my credit report, negatively impacting my credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I asked for assistance during this Pandemic of Covid. XX/XX/XXXX. I was deferred 2mos, advised forbearance..announced 4 mos into forbearance I was explained a full amount due in 4 months. I specifically stated I can't afford that what are options available. I was told contact the Select Portfolio Servicing Provider to assist on further programs available. I contacted in XXXX to be advised for mortgage assistance. On submission of documents ( 3 attempts ) I was told " Congratulations " you are under review for 30 days We will contact you. There was no contact untill I XXXX XX/XX/XXXX to hear I've been mailed a letter dated XX/XX/XXXX XXXX stating I've been Denied of All / Any Programs available. I'm declared " Default '' as to record that is going to report to credit bureaus The last year I have made {$500.00} payments on agreed of forbearance XXXX XXXX XXXX No explanation or writing until XXXX of a lump sum balance {$12000.00} be paid in full / or {$2.00}, 746.00 be paid for 12 months. I explained of XXXX Local Residents impacted by Pandemic Shut down / Closing of my part time buisness ( 3 x ) solely on my part time as a XXXX  worker, married with a husband who is also been affected by the Pandemic / close of buisness. I'm seeking help from local HUD COUNSEL and all other administer to this COMPLAINT. Furthermore to my own legal representation if necessary. I REQUEST IMMEDIATELY A RESPONSE FROM SELECT PORTFOLIO SERVICES from XXXX XXXX untill present XXXX XXXX. I have YET no contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: BAM Management US Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This is now my third complaint against Binance, also my third time submitting with XXXX  Each time they respond to the complaint, but then drop off the face of the planet afterwards. I am owed XXXX dollars after being charged twice back in XXXX. it's been almost three months and no understanding of this on their end. 

I've provided a bank statement showing the charges, after initially trying to reverse the charge -- which resulted in my account with them to be frozen, with over XXXX dollars invested now with them. 

The lack of follow through shows this companies lack of interest in giving me the money that they overcharged me for, then penalized me for when trying to resolve with my own bank. 

Refund me my money please. I will be filing a complaint with my attorney general. This is absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
No actions were taken by the company but all actions of mine are here for the taking to make America better/greater. 

XX/XX/2020 PROBLEM : I think I am contacting USDIRECTEXPRESS.COM using the webite, cfpb.gov/prepaid and I do not get orbited around the internet waves even having excaped the haven for hope 's intranet mainframe and security measures. 

PROBLEM : Your website has not ground to stand tall on because it isn't needed to be told to new or returning customers until a problem such as credit collections or discrepancy occurs between you and customer. It's a bad BUSINESS message. The customer isn't happy. Therefore, 3rd perception falls in your lap. DECEIT=EVIL and your expecting, sublimally to set a negative tone and force a loss sale to occur. MAKE SENSE. NO IT DOESN'T. USE this as food for your brain. Chew on it. Don't swallow paper like I do, the ink might be poisonous. 

REGARDS, SICKLY and XXXX, LUCKY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have pulled my credit to find out there is a repossession of a vehicle linked to my name and personal information. I have never purchased a vehicle and would like this deleted from my credit files immediately. I have contacted the company and was advised I appeared as a consigner to a vehicle and that the car had been repossed. I have no knowledge of this and would demand this be deleted immediately from all my credit files as this information is innacurate and misleading as it 's fraud. I am requesting the company to provide proof and they ca n't provide anything that I opened this account such as id state issued, driver license, passport, social security card and they have none of this on file apparently

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 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/XXXX, a 30days past due was reported on my credit report via XXXX  credit card. 
During this time i had contacted XXXX and tried to fix the problem with them. I tried to explain that my XXXX card had not been active for a few years and i simply forgot that i had used it for a purchase. I asked to make the payment in full and for it to be forgiven from my credit report. 
I have had this card since XX/XX/XXXX and my payments are always on time except for this one incident. 
My past due was still reported ...

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 2022-10-25
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$320.00}

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 2021-05-26
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:
To whom this may concern all 3 bureau XXXX, XXXX, and Equifax are reporting misleading and false information on my credit report. They are in violation of 15 usc 1681b ( a ) ( 2 ). Which states that a consumer reporting agency can only furnish a consumer report with my written instructions. I am seeking litigation for my rights being violated and the stress that all 3 bureau have caused. I demand any unauthorized misleading inquires and negative accounts that are negatively reporting on my credit report be removed. And all inaccurate late payments be correct to payed as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The credit bureaus are illegally reporting inaccurate information on 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