BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first filed a complaint with CFPB on XX/XX/XXXX regarding this issue. 
On XX/XX/XXXX, XXXX XXXX XXXX provided " debt validation '' as response. 

This " debt validation '' document was impossible to read and completely illegible due to low resolution. After further communication with XXXX XXXX XXXX, XXXX XXXX, Division XXXX of XXXX XXXX XXXX, requested a clearer copy from their client, " Army & Air Force Exchange Service ''. 

On XX/XX/XXXX, XXXX XXXX forwarded me a clearer document from the client ( attached ). This document is a " Civil Recovery Demand ''. 

Under the FDCPA, a debt is defined as a consumers obligation to pay money arising out of a transaction in which the money, property, insurance or services [ being purchased ] are primarily for personal, family or household purposes ( 15 U.S.C. 1692a ( 5 ) ( 2011 ) ).

There was no transaction or any record of transaction between myself and the client, " Army & Air Force Exchange Service ''. There is no court action, pending or otherwise. There was no lawsuit or civil action. Therefore, this is not a " debt '' that is collectable.

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 2020-10-24
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have filed an identity theft report with the three credit bureaus but some of the information is still on my credit report despite it being more than two weeks since I filed the FTC report with them.

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 2019-02-25
Company: Account Services Collections, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still there were no updates to reflect that account was being disputed and no validation was received therefore I sent a dispute direct to all 3 credit bureaus. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: FIRST MIDWEST BANCORP, INC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with fraud alerts or security freezes

Complaint:
Online money fraud scam i don't need a loan nor do want this

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 2021-04-07
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company has provided false, inconsistent, and contradictory information to me regarding both our regular and supplemental taxes. One representative assured me on a recorded line that our supplemental tax would be paid and the late fee incurred would be covered by LoanCare LLC. Another manager told me that the supplemental would not be paid by LoanCare LLC at all. This company 's modus operandi is to pay the regular property taxes either at the very last minute or late. I was assured that our latest tax bill was paid, but when I checked with the county they informed me they had no record of a payment made or scheduled. This company has consistently told me one thing, then not followed through and when I contacted them, told me something entirely opposite from their initial statement. This has caused numerous problems with our refinancing, and it is clear this company is regularly operating outside of anything that would be considered an acceptable way of conducting business. It was not our decision to even have an account with LoanCare LLC., as our mortgage was sold to them. It honestly blows my mind that they are allowed to operate this way. I am currently attempting to close our escrow account with them, which I have been told is under review and they may not allow me to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have filed an identity theft report with the three credit bureaus but some of the information is still on my credit report despite it being more than two weeks since I filed the FTC report with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have contacted Midland Credit Management ( who purchased/collecting the debt on behalf of XXXX ) via mail and still have not heard back from them from the letter I sent requesting written correspondence only. I would like for the company to respond to my request of settling this account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a 12 years customer and a US citizen, US Bank Closed my 2 savings and a checking account on the XX/XX/XXXX and XX/XX/XXXX After I realized that I did have not money I called customer service on the XXXX, they could not help me and I went to the branch, After phones call from the Manager XXXX XXXX XXXX in XXXX XXXX branch in XXXX Oregon, she said that were closed for missing information that I did not provided in my direct deposit, they said I work for XXXX XXXX and get paid by XXXX XXXX, I showed her my work ID card and she wrote and email to the main office. I get some letter from US bank asking for those information and I called on time I have probe of that in my phone statement. 
She also told me that my check from my saving account will be mailed overnighted because the amount and the others will be regular mails. I went back to the branch Friday XXXX to ask about my money and a new manager told me after check in the computer that my money was shipped regular mail but could n't tell me why the accounts were closed. 
Wednesday XXXX I returned to the branch and another Manager did the same research but with no solution for me because no checks or letter has arrived by mail, I told them that I will place a complaint against Us bank and they gave me a brochure with the term and conditions, they can close my account for any reason or no reason but letter and checks has to be mailed to me in 10 days, I went back on XXXX but no luck. 
Saturday XXXX I received 2 letters from US bank credit cards telling me that they have elected to close my 2 credit cars that I have in good standing, the day to be closed is XXXX, Today I have received and offer from US bank online and they have increased my line of credit because my high credit score. 
As today XX/XX/XXXX, I have n't received any letter from US bank letting me know the reason for the closure and I do n't have my 2 savings account checks yet. 
I have been struggling with finances, all my bills were paid by friends, I have n't support my family in XXXX since the XXXX XXXX hit the city where my family live. 
US bank have a really bad customer support because no one can tell me what happened, they now will also destroy my credit because they are closing my credit cards. 
I feel very helpless and I would like someone help me in this matter. 
It is ok to close any body account but they have to provide information and the money that is all my life saving. 
I am 15 days with not money because a really bad work at US bank corporation. 
Please any help will be gladly appreciated.

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 2017-09-15
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX/XXXX/XXXX : Found out that my personal information may have been impacted by the Equifax breach. 
XXXX/XXXX/XXXX : Have tried freezing my credit online multiple times with XXXX and Equifax, but the site keeps failing me. I then called each of them at least 5 times but the automated system keeps failing me as well. 
XXXX/XXXX/XXXX : Tried calling another 4 times again with both XXXX and Equifax and each time, the call would fail at the verification level. I can not get past the bot to talk to a human representative ( even with me calling multiple departments ( ex. fraud, freeze, etc ). I even tried getting a credit report for them, only for them to say that they can not provide me with this service at this time. 

I will be attempting to contact them again and worst case scenario, mail my documents over. All of this time and effort is going to only one objective : to freeze my credit due to their failure to secure my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC And Resurgent Capital Services Dates of XX/XX/XXXX - XX/XX/XXXX Reports inaccurate Information regarding Debts Non Confirmed nor Verifyed. 
Also Resurgent Capital Services. Employes Deceptive Tactics towards Me Such as Harassing Calls From Restricted Phone Numbers that have no call back number. 
& Robotic unsolicited text & calls. Even if blocked. Also call 7 times in row in one day from Automated Phones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: First Federal Credit Control, 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: Was not notified of investigation status or results

Complaint:
FIRST FEDERAL CREDIT CONTROL failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear COMENITYCAPITAL/ZALESXXXX ; ( Account Number XXXX ) I was shocked when I reviewed my credit report and found late payment on the dates below : ( from XXXX XXXX ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, XXXX XXXX XXXX XXXX XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment Bureaus is reporting erroneously on my credit file. I did not receive any letters, calls, or notices about this debt. It was not until i checked my credit that I noticed this debt. That in itself is a violation of my 30 day right to dispute. I called and paid it immediately and requested they remove this from my credit file and they denied. That was a few years ago and it is still on my credit file. I have called multiple times to try and get this removed from my credit file and they refuse. This debt has been paid off and i need it removed from my credit file. It is now getting in the way of me being approved for financing and that is not ok. I do not owe them anything anymore and as they had the power to report this debt I know they also have the power to remove it. If it is not removed and i am still denied financing due this PAID collection on my file that is still affecting my credit scores i will have to contact an attorney and take further action. I need this account removed from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Union Home Mortgage Corp
State: NJ
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:
22 hard inquires on my credit report, i did not look for these multiple online inquires. 
all these are too much on my credit report. also i only have one open account it is showing multiple open accounts and i have paid everything in collections.

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 2021-11-20
Company: EQUIFAX, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
I, XXXX XXXX, consumer, original creditor have been trying to reach out to Equifax, they have not given me access to my CONSUMER REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER REPORT AND FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic. THIS IS MY RIGHT AS A CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Good afternoon, Wayfair/Commenity bank has been harassing a number of my family members while I try and settle my account with them. I do not know how they even got any of these other phone numbers, but none of the numbers they have had on file the 2 times I called were my actual phone number which had been provided to them previously. 
How did they find these other phone numbers of my family members as I did not give it to them? Why are they calling these other numbers multiple times a day as well? 

It is very scary the tactics that they are using to try and force me to settle for an amount that I just can not afford with the state of the economy and the pandemic, which I lost my job because of. I have asked them to settle for an amount that I can afford and they have declined the settlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2021 I file a dispute to the incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX  contacted me with a credit bureau report about a balance from XX/XX/2001, over 18 years ago. I am aware this is well past the statute of limitations to collect on and as well to report to the bureaus. To have this currently being reported on my credit score is not only incorrect but also a violation of the collection agency to still be reporting and/or collecting on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XXXX of XXXX, I filed for the Income Driven Repayment due to the amount of money I made with the job I was able to find, following graduating from College. I was approved for a {$0.00} payment for 1 year with the time-frame going from XXXX of XXXX to XXXX of XXXX. Assuming that everything would be fine with this approval, I went about my life working and doing my best to make ends meet. I went to check on my account in late XXXX of XXXX to see that my loans were delinquent and had been marked as delinquent with my credit bureaus, dropping my credit score significantly. This started the process of going back and forth with XXXX to figure out what had happened and how this could be resolved. On XXXX, I spoke with a representative at XXXX who stated that the issue was XXXX 's mistake using the statement " Our Bad '' to describe what had taken place. Over the past month, I have made numerous phone calls to various individuals at XXXX and have filed for the company to stop reporting negative remarks to my credit and in fact report these as positive. On XXXX, I received a response back from the credit department at XXXX stating that everything that was documented by XXXX was correct and that no actions would be taken to fix my credit issues. I have been working with XXXX XXXX to remove items from my credit report, but each time they have managed to get something removed, XXXX reports another delinquency creating a circle of unending resolution. If I have a current IDR on file with XXXX  that lasts for a year, why is it that they are allowed to continue to report my accounts delinquent. The most frustrating part is that they are saying the account is current on the client website, yet reporting delinquencies to the Federal Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My vehicle was totalled out by XXXX insurance and the amount owed was at the original amount of the loan when I took it out with XXXX XXXX XXXX. I told them this was incorrect and that I did not sign a contract with them for my vehicle. It should have been closer to $ XXXX {$10000.00} after what I put down and my bi monthly payments. I was hung up on every time I tried to speak with a,. The insurance paid out {$9800.00} which was what was owed on the vehicle. They are reporting that I still have a balance and am XXXX days behind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
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: Information is missing that should be on the report

Complaint:
All three Credit Reporting Agencies Equifax XXXX XXXX XX/XX/XXXXToday lowered my FICO score by 35 to 45 points With no late payments, irregular activities, enquiries, or debt to income increse utilization. 

I belive this could be Senior discrimination Please investigate and revert Thank you XXXX XXXX XXXX SS # XXXX Address XXXX XXXX XXXX XXXX F XXXX XXXX Ca XXXX XXXX XXXX DOB XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft.

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 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my credit report these are not my items reporting.

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