BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Convergent Outsourcing ; Please see the attached files, as the account you are trying to collect on was opened as a result of identity theft, and I would like you to immediately stop collection ( s ) on this account and remove it from all of my credit report ( s ) you placed it on otherwise more action will be taken. 


DO NOT CONTACT ME VIA PHONE, or I will have my attorney follow up.

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 2019-05-20
Company: EQUIFAX, INC.
State: TN
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 and XXXX are reporting an incorrect coding of the XXXX partial account number XXXX. This account actually this needs to be coded as an M1. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint about SIR XXXX XXXX, XXXX. address below XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX In the month of XX/XX/XXXX I went to pay rent to the XXXX property manager, I was also behind on my payments due to my unemployment in the month of XXXX. On XX/XX/XXXX I went with my daughter to pay for both months in two separate checks with my daughter, but the property manager refused to except my checks, she told us both to go to court. Two weeks later I received a letter for the court date. I went to court and the judge asked when I can vacate the premises because my daughter is in high school, then the judge told me I have to vacate XX/XX/XXXXt and pay {$1300.00}. He also dismissed the court case number XXXX. XX/XX/XXXXt I went with my daughter to pay {$1300.00} in check by court order. She accepted the check but refused to inspect the property XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL. She later refereed my case to XXXX XXXX XXXX address below XXXX XXXX XXXX XXXX, WA XXXX Two months after she sent me a bill from a collection agency for the wrong amount I owed which was wrong. 
In the end I would like to inform that they never worked on the apartment in the five years I lived there, they never replaced the carpets, painted the walls and never fixed the leaking walls. Due to the leak in the wall, a fungus started to grow which my daughter was allergic to. We have medical bills to prove this. I hope you will take a look at my issue. 

Sincerely, The XXXX family

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a loan car lease with J.P.Morgan Chase. I paid my final payment of {$400.00} in XX/XX/XXXX within the month that it was due, however a non payment record went on my credit report. When I realized it was on my report in XX/XX/XXXX I called Chase. They verified that the payment was made, questioned why it even made it to the report and said they would contact the credit bureau to have it removed. I also asked for a letter to be sent to my home address stating that the loan was paid for during XX/XX/XXXX in which they said they would. This was necessary as I was in the middle of purchasing a home and needed proof of clearance. XX/XX/XXXX I still didnt receive the letter so I called Chase again. They reassured me that they reported the correct info to the credit bureau, that I'd have to wait 30 days for it to update and that they would send me the letter I had been waiting for. Two weeks later I received the letter, however it did not mention anything about properly paying the loan in XX/XX/XXXX on time. It said the account was closed and paid in full. In XX/XX/XXXX not only did Chase not send me the proper letter they sent one stating that they reported the correct info to the credit bureau. During this time of calling each month and being told to wait 30 days for an update my credit report has dropped 100 points, and states that the car loan was paid in full after collections and closed the account as of XX/XX/XXXX. This is very unprofessional of them and I shouldn't have to wait another 30 days to improve my credit score for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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:
Remove all items listed on my FTC 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 2021-09-22
Company: R & B Corporation of Virginia
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: BBVA FINANCIAL CORPORATION
State: CA
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:
I tried to make payment with company and everytime I do so, it gets rejected. I don't have any troubles with no other credit card but this one. I called them several times, and was told they made an error of not getting my account number right from my bank to make the payment to there credit card. I received a bad inquiry on my credit report and lost more then 50 points to my credit report and also had 3 other credit cards drop my credit limit due to there mistake and tell the credit bureaus that I was 30 days late. I try to make payment over the phone and they don't take a mastercard debit card. I also tried to give them my routing and number and checking number and they said there system is old. I have to go to a branch and make a payment, which is inconvenient to me because its a 30 min drive from where I live and work. I think this bank is a joke and needs to get better service. I have documention showing I tried to make payment and then shows being returned and then company charging me a return fee. On my document I submitted there is a lot of return payments. Payment reversal dates are XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18. As you can see its every month and I try every month to pay. Please look at documents I uploaded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
Company: ENCORE CAPITAL GROUP INC.
State: MO
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:
This company has sold and giving false personal information to XXXX XXXX and its fraud. I did not give my personal info to that company or consent. they are harrassing me. i would like XXXX XXXX XXXX  removed off my report before lewgal actions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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:
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 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 2021-09-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
After me contacting each bureau personally and creditor personally I do not see an update on my credit report. I contacted the creditor month ago XXXX regarding why a student loans was reporting not 100 % creditor then stated that everything was paid and the bureaus made a mistake on there end. Contacted the bureaus and they confirmed that they will dispute and update it they never did! They lied and keep reporting false information on my report which is against the Fcra section 609. There are wrong balances and payment dates and amounts please fix this issue ASAP I shouldnt have to wait on yall when yall going against multiple laws It was never a response! They never responded to me! or updated anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: EQUIFAX, INC.
State: NC
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 pay a monthly fee to Equifax for credit monitoring services which are suppose to be unlimited monthly reports however im Unable to get my report and my creditor are unable as well ... Im still charged the monthly fee and have called the credit bureau twice a month for the past 6 months at which time they will say something needs to be updated but never resolve my problem completely .... in addition they have failed to complete previous complaints filed on them thur your service ... I have sever credit accounts for which no payment information has been updated since XX/XX/XXXX and several new accounts that fail to appear on my report although the creditor provided proof Equifax was notified of updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Lake Area Collections, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After retrieving a copy of my credit report I noticed an account with Lake Area Collections in the amount of {$10.00} on my credit report. I would like the company to show validation of this debt on my XXXX  report or remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have been trying to repair my credit for the last year and I am trying to buy a home, however the three credit bureau 's have been reporting different credit scores, I have been repairing because I want this cleared up and also want to buy my home. Seem like they take 30 to 40 points off my score and drops it way back down, however all my payments and credit cards are all paid up and I only get a 3 to 4 points increase that's just not right and want this fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has failed to remove the unverified Public Record-Bankruptcy from my file. Transunion advised they verified a Bankruptcy associated with me with the XXXX District of Georgia Bankruptcy Court. I have documents supporting that is incorrect and not the truth as they do not provide information to credit reporting agencies. This bankruptcy belongs to someone other than me. I have no association with the Bankruptcy and Transunion has failed to provide any documentation associating me with the bankruptcy. Transunion is well aware they are in violation of the FCRA to delete inaccurate and unverifiable information within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX I made and cancelled a purchase on XXXX via PayPal credit for {$330.00} and their special credit financing yet an error caused it never to be processed on the Synchrony Bank side and only on the PayPal side. I was told by multiple reps it would be fixed and some tried to lie and claim it was credited YET it STILL showed as part of a special financing balance until last month when it was credited off to remove it BUT then put BACK on as a miscellaneous charge. Ive provided documentation which proves what I allege. They simply refuse to fix it. I have screenshots and explanations that explain everything. If it was refunded in XX/XX/XXXXlike it was supposed to it wouldnt be showing as part of a special financing balance as late as last month ( see second screenshot ). Then further trying to defraud me they said theyd fix it BUT merely adjusted it not to show as the balance it was then created a miscellaneous charge to put it back on the account ( see third screenshot ).

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 2018-03-14
Company: Simon's Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive asked Simons Agency to validate the alleged debt and they have sent me from what it looks like a scanned/copy of a paper of their so called Current Contact. Nothing on this piece of paper shows a contract that I have with this company nor does it show my signature agreeing to pay this company this alleged debt. Theres nothing on this paper that gives me assurance that this is my debt. Anyone can put a name, phone number and address and claim that I owe them money. This is not an acceptable form of validation. Ive also tried to settle this debt even though it was not properly validated and never got a response from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed bankruptcy on XX/XX/19 and included my checking account balance my savings account remained open. I had my unemployment direct deposited into my savings account and my whole check was taken for the balance on the checking account which is no longer open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, .The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
STATEMENT DATE XX/XX/2019 PAYMENT DUE DATE XX/XX/2019 LOAN NUMBER XXXX AMOUNT DUE PROPERTY ADDRES MR COOPER has not provided the funds described below. Closing was supposed to be finsihed in XX/XX/2019. 

Please investigate the issue funds due us at closing the loan. 

Where are the {$2200.00} funds that we have remaining? XXXX XXXX notified the title company that those funds where to deposited into our checking account ; they have not! Why? It has been going on for three weeks now. 

This shall be a complaint filed again to the Consumer Financial Protection Bureau ( CFPB ). Then we shall ask an attorney to file a claim in Superior Court of XXXX XXXX XXXX California! P.S. What is the problem??? 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX I submitted a dispute to Experian over the telephone. I am unable to submit a dispute online, because I have an extended fraud alert on my file. The fraud alert has been on my report since XXXX. Today I pulled my Experian Credit report, and discovered approximately ( 7 ) inaccurate items that I believe belong to someone with a similar name. I called 6 or 7 times trying to get through, and kept receiving an automated message that my estimated wait time was over two hours. Eventually I got through and the rep disconnected the call. Then I got through again and I was repeatedly transferred back and fourth being told I needed to discuss my dispute with a different representative. I believe all this was being done intentionally, because I have previously filed another complaint with your agency against Experian. There is also the presence of a fraudulent P O Box address listed on my Experian report that does not belong to me. I never did get a rep to file my dispute which means that I will now have to mail it, causing additional delays in getting due process to resolve this issue. I believe that Experian Credit reporting agency is reluctant to allow me to file my dispute. In the past I have been told by reps at Experian we can not dispute your account due to a previous investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint is against the Capital One 360 checking account I am game account with them and they said something was fraudulent on it so they put a freeze on account it's been three months they said they were going to close my account they  haven't done anything with the money they won't let me take any money out but they keep letting money go in there and they keep telling me they're going to close it but they keep accepting cash and then they sent me a letter saying they're not giving me any more money back out of it and we got like {$1300.00} in it and they just couldn't write to me told me there's some good accounts not close but it's not my account anymore and there was still in my name and everything still might they just decided they were going to give me my money and I don't understand how they can do that it's my money my account there is nothing project XXXX if that was the case they would have charged me or they would have did whatever it's been 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
First, a little background. Wells Fargo closed my account in 2019 and wouldn't refund the {$900.00} that was in it. I sued them in court. The Court found that they closed my account wrongly. The Court also awarded damages to me. I won although they haven't quite paid me everything yet. Not surprised at their behavior. 

The issue I am wanting assistance with right now is the fact they Wells won't provide my bank statements to me which I need for another reason. Had they not closed my account without warning in 2019, I would still be with them and still have access to my financial info. 

I have called them. Wells told me that they don't have access to my bank statements anymore. They told me it's too late. However, they are just choosing to be difficult. We all know they have to keep this info for some time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief