BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
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 is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with XXXX XXXX nor was I aware that an account was ever opened in my name. XXXX XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

XXXX XXXX XX/XX/1980 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company Phoenix Financial Services attempted to contact me on two different occasions, the first time was around XX/XX/XXXX. The collection agent failed to read any mini Miranda or hippa law, and did not even know if he was speaking with the correct person. I began to ask more questions about the call and advised the collector I had filed bankruptcy on XXXX XXXX and that the debt had been included, once the collect was aware He stated He would send out a letter and I could acknowledge via mail. 

On XX/XX/XXXX I received an alert from XXXX that a collections account had been added to my credit report, I contacted the number provided ( XXXX ) XXXX again it was the same collector this time he did verify my information and read the mini Miranda and stated He just wanted to know if I was still refusing to pay. I then advised the individual of the prior conversation in which a collections letter would be sent and I have yet to receive one to my knowledge, and that I had filed bankruptcy and the debt had been included. The collector then stated was the bankruptcy discharged I agreed and advised of the information given prior to the 2nd call. The collector stated we can work this out somehow in payments if I could settle the account being the account was purchased. I advised the collector that I was told the debt could not be collected on once the bankruptcy was discharged, he then stated a few different payment options as I ended the call with a feeling that the company was not able to call or collect on the matter. 
Date opened XX/XX/XXXX First Reported XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection company : Phoenix Financial Services Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
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:
1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 
2. Identity Theft 07 XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. Identity Theft 11 XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Identity Theft 11 XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Identity Theft XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply

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 2019-05-12
Company: LDF Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The loan that I am paying to the company, XXXX XXXX XXXX, is too high and the company makes it a difficult and long process to make the payments. I discussed with XXXX XXXX XXXX that I want to make payments from my debit card by calling in and making the payments, instead of getting the payments made directly from my bank account. I was told this wouldn't be a problem. The first payment I called in to make, XXXX XXXX XXXX marked the payment as paid, but the funds were not taken from my account. I made this call on XX/XX/2019. When I saw my bank statement and realized the funds were not applied, I called to have it processed on XX/XX/2019. The total payment for {$130.00} was made that day. The process took nearly XXXX minutes. I was then told that when they played back the recording, XXXX at Last allegedly said that they had me saying to make the initial payment of {$100.00} on the following Friday, XX/XX/2019, and the remaining {$31.00} would be made XX/XX/2019. Since this payment, every following payment has been made on Friday 's. The phone process, for some reason takes nearly 30 minutes of long waiting, representatives saying that the debit card payments have to be made from a supervisor, that I unable to be put in direct contact with, and my payments accrue close to {$15.00} a day. The last payment I made, XX/XX/2019, the representative told me that my payoff amount on a {$800.00} loan is roughly {$830.00}. The representative then proceeded to say I made 6 payments when I have only made 3. I  would greatly appreciate assistance in anyway to get from under XXXX XXXX XXXX and other harmful companies such as this one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: McCarthy, Burgess & Wolff, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from McCarthy, Burgess & Wolf in behalf of XXXX XXXX XXXX, in which they charge me {$1200.00} for an alleged service I received in Pennsylvania. Thing is, I have never lived in Pennsylvania and it is through that letter that I learned my identity has been stolen. The person in question has my social security number, and therefore my personal credentials. I filed an identity theft alert in all of my credit bureau accounts, and even did a report with IdentityTheft.gov. I have even done a police report concerning my identity theft problem. Since then, I called XXXX 's office on XX/XX/2020 to let them know of my situation. I also sent them a copy of my identity theft report on XX/XX/2020 to validate my claim. Today, XX/XX/2020, I received a letter from XXXX in which they claim they did an investigation and that I supposedly benefited from the service and therefore I owe that debt. They also say the balance is my responsibility. How can I live in two places at once? That's ridiculous! And of course the debt has been placed in my name, since the thief has MY credentials. They also say the investigation has been closed at this time, and the balance is due and payable on XX/XX/2020, and the letter got to me today XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To whom it may concern : This account was charged under my bankruptcy. Attached below shows the original debt under my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-02-16
Company: Receivables Performance Management, LLC
State: MO
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:
Best Regards : Next, I will share with you a letter that I have sent to the Credit Bureau ( Experian ) and to the Collection Agency " RECEIVABLES PERFORMANCE '', this letter can be consider as a complaint letter and it will provide you with the details of my complaint. 

Credit Reporting Bureau : XXXX Address : XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam. 

The collection account that was recently placed on my credit report on XX/XX/XXXX under the name of RECEIVABLES PERFORMANCE account # XXXX was previously Reported as Fraudulent and Deleted on the credit report of XX/XX/XXXX and your report # XXXX shows these item was deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not  reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 

Thank 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 2020-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called 4 times a week wrong info and I pay almost XXXX XXXX down and so how its only 2 percent I always pay early before time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: ARS National Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XXXX XXXX, XXXX I repeatedly received calls from ARS national services. I have answered a few times and requested contact in writing over the phone. I am getting 1-5 calls a day despite receiving NOTHING in writing since this company started to call me. There is nothing on my credit report showing who they are or why they are trying to collect or if there is a debt that is MINE. I have sent this company an email " cease and desist '' because I have no physical address for them and want them to follow collection laws and verify if there is debt they are trying to collect for and if so where did it come from and who is it owed to? The number they rationalize calling up to 5 times a day is on the national Do not call registry and this comes across as harassment to get me to pay on debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: CITIBANK, N.A.
State: CA
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 was going over my credit report and Citi Cards put an unauthorized inquiry on my report XX/XX/19. I did not authorize this, nor did I apply for a line of credit with Citi Cards. I am not sure how they retained my information, but I am 100 % I am not responsible for that inquiry.

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 2020-06-07
Company: Experian Information Solutions 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-11-13
Company: CITYWORTH MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I need your assistance in protecting me, and my clients from harmful conduct that conflicts with me and my clients basic expectations, created by Loan Officer XXXX XXXX XXXX XXXXXXXXXXXX NMLS : XXXX Phone : XXXX, as it relates to how my clients and I have been treated. Please help me/us to ensure that bad actors such as him and City Worth can not use deceit and fraud to drag the rest of  the market down to their level? 

Who Am I? : I am a Realtor at a real estate Firm which represents both Buyer and Seller in a transaction in which the aforementioned loan officer provides services to the Buyers. I am the Listing Agent, representing the seller. 

What Did He Do Wrong : 1. On XXXX/XXXX/XXXX, XXXX XXXX, willfully and intentionally deceived me and my sellers regarding a {$150.00} VA Appraiser Re-Inspection Fee, a Buyer 's Expense, by stating that the Buyer 's  loan would not be underwritten/approved to close on time, XXXX/XXXX/XXXX, per the Sales Contract, if the seller does not pay the re-inspection fee. The Sellers regretfully paid the {$150.00} fee, after I gave my sellers XXXX 's number, and XXXX spoke to them. XXXX disclosed to them at this time that the loan was moving along per the Sales Contract, and that we would close the loan on time.

2. On XXXX/XXXX/XXXX, I receive a phone call from XXXX XXXX requesting that my Sellers sign an Addendum to Sales Contract requesting that his company 's underwriting department provide conditional loan approval by XXXX/XXXX/XXXX. This is when I and my seller both new that we had been deceived by this bad actor.The seller refused to sign this Addendum stating a lack of trust and confidence in XXXX and his company 's ability to close this loan due to XXXX 's previous unethical and fraudulent communications. 

3. On XXXX/XXXX/XXXX, I and receive an email from XXXX XXXX, via the Realtor representing the Buyers, showing full proof that the loan had been through XXXX XXXX XXXX underwriting department, and had been conditionally approved, which I forwarded to my sellers. 

4. On XXXX/XXXX/XXXX, I received a text message from my Buyers who I introduced to XXXX XXXX after XXXX XXXX reached out to me shortly after the aforementioned Sales Contract was executed. Approximately XXXX today, I receive a text from my Buyer 's wife stating : ( XXXX XXXX is trying to get my husband another Realtor, and that her husband was told that things were going rough between XXXX and I. ) This is a form of loan fraud, general fraud, and deception to say the least... and this type of bad actor should not be allowed to go un-checked in this industry.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: PMGI, LLC
State: CA
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:
XXXX XXXX COLLECTIONS NEVER HAVE HAD ANY BUSINESS WITH THIS ENTITY AND THEY KEEP RUNNING INFORMATION ON MY CREDIT PROFILE SO THAT IT WILL HAVE A LOW SCORE. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is excessive and poor business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Applying for a mortgage and checking rates. Credit score has dropped 100 points in one week. Do not know reason, XXXX hard inquiries multiple less than the 14 days between rate inquiries. XX/XX/XXXX Transunion inquiry, did not ask for them to do anything. Please remove inquiry XX/XX/XXXX Inquiry reported from XXXX XXXX XXXX and inquiry was 3 months earlier. How can they report late ( upset because we did not use them ). XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX hard inquiries too close to count as separate inquiry. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX pulled credit for same mortgage company. Please remove. By my calculations I should only have XXXX hard inquiries for mortgage inquiry rates. I do not understand how this is detrimental to my credit just because I want to check mortgage rates.XXXX XXXX XXXX hard inquiry, I called them to check USDA rates and they pulled my credit without knowledge. Please remove. When called transunion the representative said I could not have them removed and when asked to speak to supervisor she said she did not have one and no one would return my call. Rotten customer service.

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 2022-03-02
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My loan was originated at an auto dealer and Suntrust was the recipient. Had I known this I would have stopped as Suntrust is a nightmare for vehicle financing. Now that they have merged with BB & T to create Truist ( pronounced trustless ) they have forced me to re-register my online banking to pay my bill. This requires my full account number which they star out partially on all correspondence, also not my original loan number. When I call it's endless waiting of over an hour to speak with an incompetent human being. They are now stating that my loan is XXXX month past due ( it's not I paid the XXXX payment ) and this concerns me as Suntrust has a habit of repossessing vehicles that are 30 days past due. The merger of Suntrust and BB & T was a huge mistake and should not have been allowed. This has put my transportation in jeopardy and could cost me my job. I now have to hide my vehicle for fear it might be repossessed incorrectly and I can not afford tow and impound fees.

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 2020-02-16
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Expres provided an offer to me for {$75.00} back after spending {$300.00} at XXXX to book a hotel. I activated the offer. On XX/XX/XXXX, I made a purchase with XXXX ( http : XXXX ) for {$300.00}. I later checked my transactions and noticed the charge showed as " XXXX XXXX '', and was concerned, but I assumed that I would still receive the {$75.00} as I had followed the exact terms and conditions in the offer. 

One month later, and I have not received any credit from American Express. I have contacted support twice. The first time, they said they would get back to me within a week, and they never did. When I contacted them a second time, they told me they did a cursory investigation on their own, saw that the charge was not to XXXX, and decided not to give me the {$75.00}. I asked them to open a case again, and I would be happy to provide my receipt showing I had directly booked with XXXX. It is a week later, and they have not taken any further action.

Company response to consumer: Closed with explanation