BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've been FIGHTING a debt for XXXX XXXX since XXXX. They falsely accused me of leaving my apt A MESS and not returning the keys. I did neither. I don't know how to FIGHT this debt. It's exhausting. So I decided to try with the debt collector ( XXXX ) who bought this bad debt. They won't budge/ won't settle/ are abusive to me on the phone, etc. Again ... it's exhausting. So I paid {$500.00} out of the XXXX they say I owe. I never got a receipt and I never got confirmation that my debt was reduced to approx {$700.00} after that payment. HENCE ... .I 'm being SCAMMED! I'm so sick and tired of this debt being on my credit report! 

THEN ... .along comes ANOTHER Credit Company trying to collect on the same debt. I'm like ... '' WTH! Who are these people ''? I called them and they claim they've had this debt since day one. I told them I've NEVER HEARD OF THEM BEFORE IN MY LIFE and I'm working with XXXX. They claim I'm paying the wrong people and they own the loan. NOW I'm XXXX! ( sorry ) I'm NOT giving another dime to either collection company! SEE BELOW! I want this debt erased from my credit report immediately. THIS IS WRONG! I'm trying to buy a house. ENOUGH IS ENOUGH Date Reported : XX/XX/XXXX Collection Agency NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX  XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # 30 Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES AFTER RESOLUTION Contact NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX  XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX sent bill for of XXXX for services rendered. This debt was sent to XXXX XXXX XXXX for collections. A settlement offer was sent for XXXX. This was paid by money order. No further contact was made in regards to this debt. A year later this debt was reported to the credit bureaus as an account still in collection for XXXX by Phoenix Financial services. This is incorrect as debt was previously settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 

XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XXXX, XXXX XXXX XXXX  - Inquiry - from XX/XX/XXXX XXXX XXXX - Inquiry from XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX- Inquiry from XX/XX/XXXX 2020

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 2019-08-20
Company: General Motors Financial Company, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We Paid in full a lease on a car to GM Financial Leasing in XX/XX/XXXX. We constantly keep receiving bills as well as phone calls for taxes due on the vehicle from XX/XX/XXXXto XX/XX/XXXXat which time we no longer have the car. We have given them all documentation as requested and still nothing resolved for months. It is affecting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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 fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM XXXX, XXXX, EXPERIAN

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 2019-04-01
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
1. I was charged a service fee of {$25.00} on a BBVA Compass ClearChoice Free Checking account on XX/XX/XXXX on an account ending in XXXX. The transaction was disputed by phone and secure XXXX messaging. It showed a posting date of XX/XX/XXXX which was a future date which I was able to dispute on XX/XX/XXXX because it had already posted to my checking account. BBVA called it a Bank Fee. 
2. I had a money market account with BBVA compass which I was charged a {$15.00} service fee for an account ending in XXXX, that did not charge fees on the balance I carried. It was disputed by phone and by secure BBVA Compass messaging. 
3. I disputed a charge to my credit card with is showing a charge in the amount of {$590.00} via secure messaging on the BBVA Compass website. It is from a company calling themselves XXXX XXXX XXXX  in XXXX, CA dated XX/XX/XXXX. I closed the credit card number and requested a new credit card account and have done that twice and the charge is still showing on my account. I blocked two credit card accounts with that charge and those accounts end in XXXX and XXXX. I have not done business with that account ever in my life. 

There are a lot of problems with this bank in particular and it did not start until around XX/XX/XXXX time frame. They have not honored any of the account benefits that came with these accounts and currently I pay them and continue to be cheated and have my funds stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There was some fraud made on bank of america as someone tried to make accounts under my name. Bank of america said they would tell XXXX to remove the following the hard pulls as I did not authorize them. XXXX  also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/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 2017-12-03
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account on my credit profile that I have no knowledge of. I do not know who XXXX XXXX XXXX is or why they are trying to collect money from me. I do not have a signed contract with XXXX XXXX XXXX. I have never contacted them. They have never contacted me. I do not owe them. I do not know why this company is attempting to collect. This is adversely affecting my credit worthiness and I need XXXX XXXX XXXX to remove this 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 explanation
Consumer complaint received 2019-04-01
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan was suppose to be paid off in a 15 year term. They sold my loan and started a new loan program of 21 years. I have asked for the original paperwork showing this new agreement of 21 years with no results. Also, I have been tracking the information of the loan in detail by XXXX sheet and the information changes from month to month. They have added money to the unpaid balance with no explanation and have not removed my co-signer even after she passed away. The XXXX sheet I have been loading monthly changes. Also, at this moment Navient/Salliemae shows I have paid in payments XXXX for a XXXX dollar loan for XXXX XXXX XXXX and only XXXX has been applied to principal. This does not include the Capitalized interest I have paid. Without the capitalized interest I have paid XXXX just on the monthly interest alone and now I have anther ten years instead of it being paid in full in two years. I don't think it's okay that they just change my loan terms because they want more money. When they sold my loan Salliemae/Navient also added more money to the unpaid principal. Why do I have to pay for them to buy my loan when I didn't want to sell my loan in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am currently in chapter XXXX. My husband is not. Co-borrowers on the mortgage. It shows as closed on both credit reports. Bankruptcy filed inXX/XX/XXXX. All payments since have been on time. Payment history inaccurate as reported. Company fixed errors XX/XX/XXXX. Since then it was updated with completely inaccurate information. They claim they have to report same information for both borrowers which is not true. Been trying to fix the errors since XX/XX/XXXX. No resolution. My husbands credit is suffering horribly and the continued errors are becoming very costly as he can not apply for anything.

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 2020-06-24
Company: Experian Information Solutions 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is vry incorrect. XXXX XXXX XXXX {$2100.00} XXXX XXXX   XXXX {$200.00} XXXX  XXXX {$2800.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX   XXXX $ XXXX XXXX XXXX {$100.00} XXXX XXXX {$2200.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$85.00}

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 2018-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Someone my ex wife is using my social security number and personal information along with other people that stole my ID card to give her for use. Have capital one info in my name and social security number in never used or tried.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019, Transunion received an initial certified letter from me, disputing and requesting verification of various accounts reported by Transunion on my personal credit file ; the verification request included my social security information, as well as the accounts and account numbers in question. 

On XX/XX/2019, I received via regular mail a copy of my credit file dated XX/XX/2019. In their reply, Transunion has stated they have " verified the accounts '', and that they " have updated '' and/or " modified '' various fields within each account in question. 

On XX/XX/2019, Transunion received a follow-up certified letter from me requesting again to provide their Method of Verification of each account listed on the initial dispute letter. 

As of today, XX/XX/2019, I HAVE NOT received any form of a reply or response from Transunion. 

Additionally, Transunion has refused to provide their Method of Verification for the accounts listed in the dispute letter according to the FCRA 611 ( a ) ( 6 ) ( B  ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' As stated above, Transunion received certified mail from me on Thursday, XX/XX/2019 at XXXX, but have not replied within the timeframe set forth in the above mentioned paragraph. Therefore, all items referenced in my initial dispute must be deleted from my credit file.

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 2018-03-24
Company: JPMORGAN CHASE & CO.
State: TX
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:
I tried to pay a bill for {$100.00} but some how {$900.00} was charged. I called immediately and was told it could not be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Direct Recovery Services, LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from Direct Recovery Services indicating that it was a final notice to collect a debt for XXXX for {$480.00}. I do not have and have not had an account with XXXX and have never been contacted by this or any other company in regards to this debt in the past. Since I do not know who they are, I do not want to call them or open any attachments from their email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
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:
I have an account with experian thatbive been trying to cancel for 2 years and can not get cancelled. Theres no option to cancel on the website, Ive tried calling to cancel and can not get through to anyone at experian. Its a monthly recurring charge that has increased since it started.

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 2018-03-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to get my credit report and it said my social security number did not match my name and it told me I had loans I didn't get

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: SYNCHRONY FINANCIAL
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX XXXX -- WITHOUT MY KNOWLEDGE or consent XXXX XXXX XXXX, apparently opened a PayPal line of credit in the amount of {$11000.00}, in my name, on XX/XX/XXXX. I was NEVER TOLD ABOUT THIS account being opened in my name in XXXX. 

PAYPAL - My first KNOWLEDGE of this account was on XX/XX/XXXX when PayPal collections department contacted my wife, trying to collect a debt amount of {$6600.00}. Supposedly, on XX/XX/XXXX XXXX XXXX  XXXX charged / received money from PayPal for an upgrade on our timeshare in the amount of {$5600.00} DONE WITHOUT my KNOWLEDGE or CONSENT for this transaction. My wife was told that they had mailed payment notices to me, which I never received. She figured out that the address on the account is an invalid mailing address ( no postal service to said address ). I requested, in writing, 1 ) to have the address changed 2 ) to be provided with written proof that I had a PayPal Line of credit 3 ) How much had been charged to or payment made from the account, to whom & when. To date, I have had NO response from PayPal. 

SYNCHRONY BANK - On XX/XX/XXXX my wife was contacted by Synchrony Bank stating that PayPal has given them this account for collections. Synchrony Bank is calling both myself & my wife 7 days a week, multiple times a day, before XXXX XXXX  & as late as 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
Consumer complaint received 2018-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When buying my first house, while shopping for a mortgage I decided to proceed with a certain bank based on a specific rate and no points. The bank representative suggested to proceed locking the rate and we did it ( looking back it seems I was just told it was ). 

Once the loan application was conditionally approved, a month later, a point was added to closing costs without informing me. 
I realized it the next day and immediately informed the bank, requesting to remove the extra point. 
The bank refused to remove the point, taking advantage of my necessity to close the purchase and mortgage asap in order to push me to accept the extra payment. 

Looking back at the documents provided by the bank, I recognize that wordings and fine prints might be against my position. But the description of the steps and explanations provided by the bank representatives along the process and the large amount of documentes requested every other day to feed the approval of the loan, put a first home buyer well in disadvantage against unfair treatment.

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 2019-09-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the company convergent outsourcing was deleted from all 3 credit bureaus on XX/XX/XXXX it has re appeared on experian credit report file number XXXX as of XX/XX/XXXX this bill was paid by insurance they are trying to collect again the new file dispute number is XXXX with XXXX the information is not correct and it should be permanent of 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 2019-04-01
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: Old information reappears or never goes away

Complaint:
still reporting old debt that's is still on my credit report and I filed XXXX XXXX bankruptcy last year. so the information should have been up dated by now. cause I got the discharge on XXXX of last year.

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