BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-07
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I enlisted in the XXXX XXXX on XX/XX/XXXX. Prior to that I was living with my parents, and during that time I paid the internet bill because I wanted faster speeds. After I left however, my step father had closed the accounts and switched to a different service. But he did not do something correctly because apparently there was still an unpaid dept. Which is why a year later, I was sent a dept collection from Convergent Outsourcing on XX/XX/XXXX for {$310.00}. I paid it off in full on XX/XX/XXXX. 

In the 3-4 years that I have had credit I have only ever missed one payment. My credit was in he mid to high 700s prior to this. Yet this one collection has pretty much destroyed my credit and supposedly collections stay on for 7 years whether paid or not. 

I have emailed them twice requesting to remove it from my credit to no response, and now i'm wondering what options I have to get this taken off and restore my credit.

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 2021-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I believe the whole root of this situation goes back to a vacation contract ( time share ) we had with XXXX XXXX XXXX in XXXX, MO, which as of XXXX we no longer have a financial obligation with them or BOA.On signing the contract with XXXX XXXX the monthly payment was to be {$210.00} per month, with no mention of Bank of America ( BOA ) .In the mean time my wife and myself received credit cards from BOA, of which neither was applied for or authorized.We made payments on these cards since XX/XX/XXXX, with the understanding these payments were going to XXXX XXXX.But since our contract has been deeded back to XXXX XXXX we no longer have a financial obligation to them or BOA.I 'm certainly not going to pay for something I don't own and can't take advantage of.

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 2020-12-07
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
It took an excessive amount of time to clear up all of the addition and incorrect fees that had been put onto my account. But in XXXX I was finally able to speak with a customer service rep and they agreed to take off the fees. I paid off the credit card immediately and they agreed that they could not report me payment as 30 days late, because # 1 it was the fee amount that I had been disputing that made it late and # 2 I had in fact made payments. The credit card only had and available charge amount of {$250.00} and they had accumulated fees even after the account was closed. They agreed to clear up my credit back in XX/XX/2020. 
I am trying to buy a house and that issue STILL appears on my credit report. I tried to call to discuss the matter and was told that the only way to reach that department is to mail a letter to the PO BOX and that it may take several weeks to get a letter back from them. I do not have several weeks. I believe that it is unfair that they will not allow someone in customer service to address the issue. It is also unfair that it has not been corrected since XX/XX/2020. Lastly, it is extremely unfair that my mortgage is hinged upon a store credit card that charges outrageous fees and does not have a way for members to remedy concerns. They will not allow a payment in store, and if you pay by phone they charge a fee. 

I need this off of my credit score as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Continental Finance Company, LLC
State: MN
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:
Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, MN XXXX Ph # : XXXX Email : XXXX RE : XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX This letter is to inform you that I received today that you have resolved the incorrect reporting to my XXXX  report, that was now corrected after filling a complaint with consumer reporting. I now have attached documents to show that you are now reporting incorrectly for XXXX, I am now opening up another complaint, I dont know why you guys cant seem to report accurately that this account is closed down since XXXX. I now show that you have reported that I made an active payment in XXXX of XXXX. How can this be possible if the card has been closed since XXXX. I will now file a complaint with the creditor, the consumer complaint department, XXXX  ; until you also resolve this matter. I have attached a copy stating that it was an error on your end and the account wasnt closed down entirely which created the inaccurate payments to my credit report. I am requesting and demanding you also correct XXXX  as now my score has dropped due your oversight, and if the same things happen to my XXXX  report I will open up a dispute on that account as well. 

PLEASE REMOVE ALL PAYMENTS/ MISSED OR NON-MISS PAYMENTS FROM THE YEARS XXXX & XXXX. AS THIS ACCOUNT HAS BEEN CLOSED SINCE 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 2023-08-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2021-08-09
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2021, I tried to make a transaction with the credit card on XXXX ( XXXX website in XXXX ). After entry of my credit card details into the website, the XXXX secure was activated. I was transferred to the website of citi ( with a citi logo and progress bar ) saying the transaction is being verified. However, the transaction was declined. 

This is not the first time this thing happened. On XX/XX/2021, I tried this card with XXXX XXXX for an online transaction, same error. 

I called citibank today trying to ask citi to investigate why this would happen, but only got unhelpful responses - customer service agents did not seem to know what had happened, and they were not listening to their clients at all. I asked to speak with supervisor, and was assigned XXXX, not helpful either. Ref no : 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 2023-11-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX CFPB closed it due to XXXX false response. This Debt was removed from XXXX and XXXX. I provided all the supporting documents per the FTC and they still came this false debt is mines. I am providing supporting documents again for the XXXX time. I will also be contacting small claims court as this has ruin my life and for me to get an apartment in California.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
It says i have {$1200.00} in credit card debt, so i made a afidavit because i did not apply for any credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had a problem with the company that in financing me a automobile, I made a payment late by 1 day and they have reported the information as late 30 days. The error has been recognized by Ally Financial but they have not taken steps to correct the data and/or adjust or order the adjustment of the information they are providing to the CRA 's ( XXXX, XXXX and XXXX   ), furthermore I am asking that they update my file in accordance with the guidelines set out in the FCBA and the FCRA.

Payment was late by 1 day and they have illegally reported it as 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This inquiry is not authorized and was done by that creditor without permission! Please, you need remove this as soon as possible.

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 2022-03-10
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022, I went online and applied for a CitiBank XXXX XXXX AAdvantage credit card. Upon the completion of the application, I was denied the extension of credit. The following day I received an email sta

ting why I was denied the extension on credit. The Adverse Action ( 15 U.S. Code 1681m ) Letter. In That letter it stated that the denial resulted from " Your credit bureau report shows that your balance on your open accounts are too high when compared to your credit limit ''. A adverse action is not valid when it comes to an extension of credit. That is DISCRIMINATION ( 15 U.S. Code 1691 ( a ) ( 3 ) ). I in good faith exercised my right under the Equal Credit Opportunity Act. Also an adverse action only applies to employment and insurance, NOT an extension of my own credit. Credit is the right granted ( 15 U.S. Code 1602 ( f ) ) which is the right I exercised in good faith. I granted you the right to extend my credit. I CAN NOT be denied what mines. I provided you my credit card ( SSN ) ( 15 U.S. Code 1602 ( l ) ) on the application, and you ran my credit which resulted in a inquiry on my consumer report. This provides proof that we entered in a consumer credit transaction, however I received no benefits which is unauthorized use ( 15 U.S. Code 1602 ( p ).

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 2017-12-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is currently a derogatory record on our credit report from XXXX XXXX XXXX, account opened XX/XX/XXXX. The account is listed as charged off with a balance of {$31000.00}. It shows late payments starting in XX/XX/XXXX, and shows late payments since then.

Request 1 Remove derogatory information from our credit report, including the status of charge-off. The Fair Credit Billing Act requires creditors to bill correctly, including send bills to your current address and we did not receive bills or other notices on this account. 

Request 2 Despite not receiving statements or bills, weve paid this loan in full. We request that the loan be updated to reflect payment in full.

History 1. We believe the account was charged off in error. The loan was set up for auto payments from a TD Bank checking account. The auto payments worked for a few months, then stopped going through without our knowledge. The TD Bank checking account was not our primary account, and we noticed the issue from a negative mark on a credit report.

2. We received no bill, no notice of late payment, no notice that the auto-pay was not working and no email, letter or phone call from TD Bank requesting payment.

3. As soon we learned ( from credit report ), we called and made all retro-active payments for all back due amounts.

4. We requested a statement be sent of our account status, amount due, and payment information. TD Bank declined.

5. To date, we have received no written notification of charge off status, or recognition of monthly payments made. We have continued making monthly payments in good faith. ( we can provide bank payment records ) 6. Requested directly from TD bank to remove negative information from Credit report, but they declined.

7. Loan is now paid in full, have a letter from TD Bank dated XX/XX/XXXX acknowledging payment.

8. We request that negative information be removed from our credit report, and that the loan be recorded as paid in full.

9. In addition, we request a final accounting letter, as we believe we have a credit amount of approximately {$1100.00}, and would like that amount refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
34 inquiries appeared on my TransUnion credit report in one day with different dates that I didnt authorized. I called TransUnion fraud dept and wasnt able to help

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 2021-08-09
Company: EQUIFAX, INC.
State: VA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2019-01-11
Company: Automated Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Automated Collections (XXXX) turned my account over to the Credit Bureau on XX/XX/XXXX. The two items were for XXXX each from a XXXX  that saw my daughter in XX/XX/XXXX. At that time my wife and I were separated and the kids lived with her, in XX/XX/XXXX my wife and I divorced. I never was told about these invoices. Once, I was made aware of  these charges by the collection agency I immediately contacted the collection agency and paid both invoices for XXXXXXXX each and was told that they would resolve the issue with the Credit Bureau. This has not been resolved and is negatively affecting my credit/score. I have always paid my bills on time. Please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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 is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX Balance XXXX {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2023-10-13
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed this on my credit today and it cost me XXXX points. I DO NOT OWE THIS BILL AND I NEVER HAD A XXXX XXXX XXXX  ACCOUNT. I CALLED THE COMPANY AND THEY TOLD ME THEY DIDNT SEE THIS ACCOUNT UNDER MY SOCIAL SECURITY NUMBER.. I ASKED THEM TO REMOVE IT AND THEY TOLD ME THEY DON'T KNOW HOW BECAUSE THEY DONT SHOW ME HAVING AN ACCOUNT WITH THEM. I TOLD THEM THEN HOW DID IT GET ON MY CREDIT. THEY FAILED TO TRY AND HELP ME HOWEVER, THIS HAS DAMAGED MY CREDIT AND I WANT PENALIZATION FROM THIS COMPANY. THIS IS A COPY OF THE ACCOUNT ON MY CREDIT REPORT ON XXXX I SPOKE WITH XXXX XXXX, AND XXXX XXXX WHO CLAIMED HE WAS A MANAGER, AND THAT HE DIDNT SEE ANY ACCOUNTS FOR ME AND THEY WAS A BIG COMPANY AND HE DIDNT KNOW WHERE TO TRANSFER ME BECAUSE HE DOESNT SEE ANYTHING UNDER Y NAME, AND MAYBE A NEED TO GOOGLE THE COPANY AGAIN AND MAKE SURE IM CALLING THE RIGHT COMPANY OR CALL THE ORIGINAL CREDITOR WHICH I DID AND THEY DIDNT HAVE ANYTHING UNDER MY SOCIAL SECURITY NUMBER. 

THIS IS A COPY OF WHATS ON MY REPORT.. 
TRANSWORLD SYSTEMS I Last reported XX/XX/XXXX  {$240.00} Open balance XXXX  XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX  ( 1 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original creditor name XXXX XXXX XXXX  Report info

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 2022-12-23
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is charging me XXXX devices of internet that were returned by XXXX to their warehouse. According to the company these was resolved happened to be on my name and I have proof of this with their email, I do not own this debt and is affecting my chance to increase my credit score with the financial bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I was told by the XXXX XXXX XXXX that my mortgage escrow incorrectly paid both my neighbors and my parcels tax payments. On that day I called Shellpoint mortgage which was my mortgage lender and held my escrow at the time asking them to fix the issue. I confirmed at that time in my Shellpoint escrow online account that they incorrectly paid {$3400.00} for my neighbors taxes. 
I have followed up via email and phone over 20x in the last 3 months and no one from Shellpoint has yet to contact the XXXX XXXX XXXX to get the incorrect payment refunded. 
On XX/XX/XXXX I got confirmation from the XXXX XXXX XXXX that no one from Shellpoint has reached out to request a refund. 
My mortgage has since been switched to a new lender, and I keep following up with Shellpoint with no communication back from them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: MIDFIRST BANK
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband and I had a modification done on our home in XX/XX/XXXX, my husband developed some health issues and could no longer work his part time job, we were happy to learn that we could qualify for a modification to bring our home mortgage down, unfortunately we were not given the full understanding of what this would entail. We are in our late XXXX 's and needed to refinance, we learned that the mortgage company has a lien on our title for XXXX XXXX dollars!! We believe we were duped by Midland Mortgage, we really thought that they were interested in helping us with this, but behind the scenes they used HUD and us to get funds that really benefited them. I have spoken to both the mortgage company and HUD, according to HUD it is all based on the mortgage companies standards for this amount. Had we been thoroughly informed that we would have been responsible for an amount like this we would not have gone through with this modification, they only lowered the bill by {$100.00}!!. I do not believe we should be responsible for paying them this money..Thank you, 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 explanation