BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: NY
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:
I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. This company has failed to remove these fraudulent accounts and inquiries in 4 days of receiving my identity theft statement. this is a violation of 15 U.S. Code 1681c2. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
State: NC
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

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 2018-04-01
Company: ALLY FINANCIAL INC.
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX there was a late payment reported to the credit bureau by ALLY Financial. They reported that the loan was past 30 days late yet I had not received a phone call to notify me that the loan was late. The mobile app is the only way I am able to review my account and make payments. Upon reviewing my account through the app on XX/XX/XXXX it stated the regular payment of {$290.00} was due on XX/XX/XXXX for our first auto loan account as well as {$590.00} due on XX/XX/XXXX on the other auto loan account. The payments for both accounts were made on XX/XX/XXXX ( we have a 10 day grace period for all payments ). After seeing this reported on my credit report I called Ally to correct this problem as I made the payment on time according to the mobile app. They stated they were unsure why the app listed a payment date in XXXX since the payment was actually due in XXXX yet the amount due was only that of a regular payment and did not say there was a past due amount as it should if the payment has lapsed. The same statement appeared on the account in XXXX, telling me the payments were not due until XX/XX/XXXX. Those payments were still made on time. I have screenshots of the app and the incorrect payment due date and have offered to email them to Ally so they can correct this. The representative had stated they can not accept a screenshot of the app. A call was made in XXXX to report this issue and a report was filed with their credit department. I was told they would call me within 30-45 days to update on the issue. I never received a call. I called again in XXXX since the time had lapsed for the report to be reviewed and again they said they would file a report with " high urgency '' and I would be contacted after the case was reviewed again. Still I did not receive a call. My husband XXXX XXXX who is also on the account called on XX/XX/XXXX to see if he could speak with someone regarding the issue. They stated they never received a call from myself and they were unable to locate the 2 previous reports. He requested to file an additional report with " high urgency '' and that has been processed. We have not heard back from any representative yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Consumer Portfolio Services, 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: Their investigation did not fix an error on your report

Complaint:
After receiving all three ( 3 ) of my credit reports, I noticed an entry from Consumer Portfolio Services , Inc. regarding a car. I disputed the entry as fraud via the three ( 3 ) bureaus and was referred to the company directly. I sent CPS a dispute letter directly dated XXXX XXXX, 2020. I made them aware that I'm a victim of Identity Theft and that I never opened an account with them. I also requested, pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, validation ( that is competent evidence bearing my signature ) showing that I have ( or ever had ) some contractual obligation to pay them. CPS responded with a letter dated XXXX XXXX, 2020. The letter stated the information reported to the bureaus was accurate and included an unsigned contract bearing an incorrect address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently received a collection notice from XXXX XXXX XXXX XXXX  for an account with Victoria Secrect that is not my debit. This is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditor Information Opened XX/XX/XXXX ( 8 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Balance : $ {$81.00} Original Creditor Name:06 XXXX XXXX I have paid this balance of twice, once XXXX  and once to CCS on XXXX XXXX. CCS stated that they would mail me a receipt within 8 business days, I never got this letter confirming proof of payment. I called them back today XX/XX/XXXX to have them solve this issue and they have no record of payment. I told them " I want this off my credit, it's only {$81.00}, I will even pay again today if you can send me proof of payment via email today so that I can have a receipt which is fair ''. CCS denied to send me proof of payment if I made one today, and denied to accept my payment. How can I resolve this matter if company does NOT provide receipt for future records. Please help, this is only {$81.00} we are talking about, I will pay for a third time all I am asking for is a simple confirmation # or anything that can protect me as a consumer. I can not wait 8 days to get a receipt if I am paying today. hope this makes sense. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Experian Information Solutions Inc.
State: CA
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 have been trying for more than 6 month that my mortgage company which is XXXX XXXX XXXX report my payments to the 3 agency credit bureau but they have been refusing to do it. I file for bankruptcy over 7 years ago and I have sent them a confirmation letter written for me and talked to my attorney and he said the confirmation was include when I filed. so in XX/XX/XXXX they asked me for a bankruptcy discharge, I sent it to them, then a confirmation letter in XX/XX/XXXXand another documents and calling and ask them many times to report my payments so I can improve my credit score and get better interest when I apply for any kind of loan ... I don't know what else to do ... please help with this 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 2020-12-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not recognize these accounts. I believe I was a victim of identity theft. I have no contracts or agreements with these companies. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! Once again I confirm that accounts are not mine, because I assure you, I have never taken out these accounts.

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 2018-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been trying for more than 6 month that my mortgage company which is XXXX XXXX XXXX report my payments to the 3 agency credit bureau but they have been refusing to do it. I file for bankruptcy over 7 years ago and I have sent them a confirmation letter written for me and talked to my attorney and he said the confirmation was include when I filed. so in XX/XX/XXXXthey asked me for a bankruptcy discharge, I sent it to them, then a confirmation letter in XXXX and another documents and calling and ask them many times to report my payments so I can improve my credit score and get better interest when I apply for any kind of loan ... I don't know what else to do ... please help with this 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 2022-08-05
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt collector Credence XXXX head been harassing me since XX/XX/XXXX on a {$20.00} debt that was paid last year. The medical bill was from XXXX of XXXX, Pa. The first service rep I talked to asked to be on a 3 way call to talk to XXXX about the charge. XXXX told both of us that this charge was paid back in XXXX. Service rep apologize to both of us and said he would clear the charge on his end I decided to call back and find out about this charge possibly being on my credit report and if it was to have Credence take it off. This rep said they could not clear this charge unless I called XXXX to have them send paperwork. I told Credence I just cleared this up with another rep there to look at her notes on the account. She refused to go any further unless I called XXXX. I asked to be connected to the rep I talked to and she refused. I remind her that her company is refusing to do the very thing I was asked to do by the service rep of your company and you are asking me to do your job because your company failed to communicate correctly with XXXX. She flat out said I had to call. I said your rep said the 3 way phone call and failed to do his job. I warned her that I do not wish to receive another phone call from Credence. I also told her to clear this account on her end and takes off any and all reported marks on any of my credit reports. She denied service. They have been harassing me over a {$20.00} bill since XX/XX/XXXX with a phone call about every day since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
First in XX/XX/XXXX I received an unemployment check that I did not apply for. I returned it. Then on XX/XX/XXXX I received a voice mail from the fraud department of XXXXXX/XX/XXXX( XXXX XXXX concerning a credit card application, reference number is XXXX ). I called a branch in XX/XX/XXXX on XX/XX/XXXX and he could find no record of my name or address. On XX/XX/XXXX I received an email from XXXX XXXX saying someone had an inquiry on my credit report. I looked and there was a inquiry from Capital One/Cabels concerning a credit card application with a XXXX phone number XXXX. I called and it went to a voice mail. On XX/XX/XXXX I received 3 more emails about another inquiry ( XXXX XXXX, XX/XX/XXXX and Capital One. ) I checked and it was for XXXX XXXX XXXX inXX/XX/XXXX. I contacted their fraud department. I spoke to XXXX XXXX ( XXXX option XXXX  ) and told him of the suspected fraud. He said a loan had been applied for under my name and ssn and he would alert the underwriters. He sent me an ID Theft Packet with forms to be filled out. I have my credit reports frozen and fraud alerts on all three. I have notified my banks of the suspected fraud and changed my logons and passwords. I have started filling out the ID Theft Packet and am filing a police report. Contacting you was a recommendation from my bank,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Consumer Financial Services Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Do not ever do business with Beyond Finance. They tell you they will help you take care of your debt but omitted the fact that their take is 20 something percent. I was not able to ask questions to get information about my accounts. They refused to tell me anything and took over {$3000.00} first without even paying anything towards my debt first. They also refused to tell me anything about my settlements and refused to handle the ones I wanted to first. They never asked me for a proper negotiable amount and they also have made no attempt to make it right with me. They only worsened my problems and I had to take the settlements into my own hands. The day I removed myself from the program, I was able to negotiate all of my debts myself and immediately start paying them. They projected 5 years and more than {$10000.00} more then I initially owed. The problem is every time I asked questions about my accounts or how it works they would say they cant tell me or avoid answering the questions. Not to mention when I signed up I didnt hear from anybody for about a month even thought I consistently called to get answers. Worst experience Ive ever had with a company and youre dealing with someones life. Completely unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
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 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:
Ive checked my Experian credit report and I have attempted to reach collections agency to resolve matter. The information shown on my credit report is inaccurate as it has been reporting to my credit negatively monthly and I have no way to contact them and resolve matter. Ive made multiple attempts with no avail. The amount is {$1100.00}.

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 2020-05-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an HSBC Direct Savings Account  on XX/XX/2020 because of the advertisement of a High-Yield interest of 1.7 %. I transferred all of my savings from an XXXX High-Yield to this account and two weeks later, the interest rate dropped to 1.3 %. They are still to this day advertising 1.6 % on their HSBC Direct Savings accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Ive been dealing with this company called Keith D Weiner and Associates about a debt owed from the city of XXXX about taxes. It started in XX/XX/XXXX when I agreed to make monthly payments to this debt. I ran into some financial troubles and was unable to pay on some of the months. The company tried to garnish my wages quite a few times and we unsuccessful due to me making not enough money. So in XX/XX/XXXXI got a letter in the mail regarding another garnishment and I immediately called the company to ask why. The call was answered by one of their employees by the name of XXXX XXXX XXXX, I told her the reason I was calling was in regards to the letter of garnishment and she told me I didn't make a payment in a long time and I told her that I kept sending in money orders which were returned to me with no explanation why it was returned. She told me that this debt was over 4 years old and that I should be making every attempt to pay this off. Well I then stated that I don't make enough money and she said well you have 3 jobs and I should be able to. She then said that if I were you I would feel embarrassed that I cant pay my city taxes because she is a tax payer herself. I told her that the last communication I seen was they tried to garnish wages at a place I was no longer employed at and her response was that she cant help it I change jobs all the time. She hung up on me and I recalled and wanted to speak with a supervisor. He answered and never apologized for her rude behavior but told me to send in whatever I could do ... .. I feel that her behavior clearly violates the fair debt collection act. I would like her to either apologize to me or I will take further legal actions against her and the the 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 2020-12-10
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX showing unknown payment history hurting my score FCRA viiolations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: BARCLAYS BANK DELAWARE
State: NY
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 Barclay 's Bank. During this pandemic I had lost some income due to loss of some work. I called barclay 's bank and was told I can go on a smaller monthly payment and lowered interest rate for 5 months. I agreed and as well I happen to make more than the minimum they had wanted. In XXXX they reported my account 60 days past due. I called again and was told that the promotion was over and I was back to my regular monthly payment and higher interest rate. I had requested if they can extend this program and also mentioned that I was told it was for 5 months. We weren't even near the 5 months. I made the payment they wanted and requested to please remove that 60 day late payment off my credit reports as I have had a good reputation with this card. I submitted this dispute well over the time frame allowed. Today I received an updated credit report from XXXX  and it is still appearing on my report as an adverse account which is affecting my credit score. Lack of communication had caused this problem if I had known they were not going to extend it for the full 5 months like the customer service rep had told me I would have found a way to make sure the higher amount of payment would have been made.

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 2021-01-26
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Date of collection : XX/XX/2021 for {$490.00} My mother was / is on XXXX At the time of the service she temporarily was not receiving her XXXX because of her age and not understanding somethings she lapsed. I was able to reactive her XXXX and was able to give the number to medical providers she saw during the time of lapse. After a hospital stay the medical bills were covered however the XXXX XXXX would not take the XXXX number. I have on several occasions ask for them to please take her XXXX. They refused to take it. 
She is not in a position to pay this. I subside her food and other needs and this is strain on my household. 

I have explained the situation to the collection agency and they asked for her medicaid number. I was not comfortable giving it to them although will if it safe to do so.

Company response to consumer: Closed with non-monetary relief