BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: ERC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
An XXXX amount showed up in XXXX XXXX alert from XXXX XXXX 
Two days ago. I had not had direct tv for years. I am trying to close on a house so been monitoring closely. 

So I called number to find out what this was. Apparently it was a bill -from years ago which they would not answer when this first occurred ( the credit repair company rep asked on a three way call. The company had my old address from where I lived ten years ago and I was never notified of this bill. 


I paid the amount and asked for it to be deleted. They would not. 

I am not contacting consumer finance to assist in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Experian Information Solutions Inc.
State: KY
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 was recently informed while house hunting that I was attached to two socials and this is common with identity theft. I also noticed some Inquiries that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  with XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX  and experian I also tried to call in to get security freeze removed again and was unable to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25
Company: EQUIFAX, INC.
State: OH
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 Account Opened XX/XX/XXXX Balanced Owed {$1600.00} Account Number # XXXX XXXX  XXXX Account Opened XX/XX/XXXX Balanced Owed {$430.00} Account # XXXX These accounts do not belong to me, and I have tried to dispute them. 


These inquires below do not belong to me either XX/XX/XXXX XXXX  XXXX  XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX XXXX   XXXX   XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion displays innacurrate employer information on report. I do not work for XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Starting in XXXX I started a program through the XXXX XXXX XXXX. After dealing with a few different problems with them & getting consumer finance involved before, the program was completed XXXX see attached documents ). 

Now I am receiving documents from XXXX XXXX XXXX on behalf of Barclays Bank Delaware stating that my account owing XXXX was not paid off. This was XXXX of the debts that was consolidated within the XXXX XXXX XXXX XXXX. This amount due was paid in full in XXXX. Documents attached prove this to be so. 

I have reached out to both companies. XXXX XXXX XXXX says that they can not help me due to the completion of the program, and XXXX says that they received my proof of payment but their records are correct and show that I still owe this amount. 

Please review attached Documents.

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 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, XXXX I initiated several disputes with all three Credit reporting agencies regarding fraudulent accounts being reported into my credit report. At the time I have applied for a Mortgage Loan and the creditor advised me that I had several derogatory marks in my credit, that prevented me from getting an approval. To my surprise there were 16 account being reported into my credit reports, some with incorrect payment information or resolution and some that were simply not mine. At the moment my credit score was fluctuating between XXXX - XXXX when I initiated the process. After most of my disputes were resolved, still pending 2 accounts and my credit score stayed exactly the same.

I called all three agencies to verify the reasons why my credit score never got recalculated. All three companies assured me that it got automatically recalculated by the computer once the accounts were removed, although there is no difference. They also advised me that if I applied for a mortgage or a credit loan I could get what is called credit re scoring which is basically the bank requesting a re score based on the fact that all my accounts were cleared.This will translate into me paying a mortgage company to re score my credit with this three companies when the companies should have re score in the first place. 

I sent Transunion and XXXX a letter, formally requesting this re-scoring process to them and their response was that I will receive a letter with instructions on how to request my credit score.

In addition, these three reporting companies are not reporting any payment history or credit age on my credit reports, which is also impacting my score. 

Finally out of the three reporting companies both Transunion and XXXX were able to verify the accounts as fraudulent, still XXXX keeps going around on their investigation and updating the account information without really having proof of ownership from the creditors, although I started a Identity Theft claim. 

I do n't believe I should be penalized on my credit scoring due to accounts that were never mine and that hurt my credit tremendously, reducing my credit score on over 150 points. 

Best Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: IL
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 contacted Equifax and let them know that I have two accounts reporting on my credit that are not mine. They continue to report inaccurate information. The fraudulent accounts are listed as US Depart. of EducationXXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: First Federal Credit Control, Inc.
State: FL
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:
I received a correspondence from XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX about an alleged debt. On XX/XX/XXXX, I sent First Federal Credit Control a certified letter requesting validation of the alleged debt, and demanding that they only contact me via mail to my current mailing address. On XX/XX/XXXX at XXXX, I received a call from their representative inquiring on how I want to make the payment on the account. I politely informed her that I sent them a validation letter, and also demanded that they do not contact me via telephone. The representative rudely told me that I owe the company, I must pay or it will be reported to the credit reporting agencies. On XX/XX/XXXX, I received an alert from XXXX stating that First Federal Credit Control added a collection account to my credit report. I previously filed a complaint, and they replied that they have validated the debt, which they have not provided any documents to properly validate the debt per FCRA. 
On XX/XX/XXXX, I sent another complaint through CFBP,  and they completely ignored it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am very sorry, that I was unable to fulfill my obligation to the original creditor for credit. If the original creditor is not seeking their money I do not believe that a, third-party fourth party, fifth party, should have the ability to collect money that the original creditor has already written that loan off. I dont understand whos getting the money the collection agency with no skin in the game or the original creditor that doesnt want it because XXXX write it off on their Texas. All Im asking for is to remove this collection from my credit report.The account was closed on XX/XX/2020. Charged off account : Account closed by credit grantor Amount was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Starting in XXXX I started a program through the XXXX XXXX XXXX. After dealing with a few different problems with them & getting consumer finance involved before, the program was completed ( see attached documents ). 

Now I am receiving documents from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX stating that my account owing XXXX was not paid off. This was one of the debts that was consolidated within the XXXX XXXX XXXX XXXX. This amount due was paid in full in XXXX. Documents attached prove this to be so. 

I have reached out to both companies. XXXX XXXX XXXX says that they can not help me due to the completion of the program, and MCM says that they received my proof of payment but their records are correct and show that I still owe this amount. 

Please review attached Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Accelerated Servicing Group LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is addendum to complaint # XXXX. 
The name of the firm : ASGRecoveries.com. 
I received a voicemail from from XXXX ( XXXX ) XXXX asking me to call them to resolve a past due debt was in collections. ( All of my bills are current and my credit is in good condition. Additionally, Ive no past due bills. ) I called the telephone number and got a message saying that I needed to resolve the problem with the law firm. 
I also received a text that is also attached below.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: FISERV INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My small business, XXXX XXXX XXXX XXXX, has a merchant banking agreement with First Data entered into on XX/XX/2011. We no longer need their services, but they bill our checking account every month. I tried to call this company to stop the merchant banking services, but their phone numbers do not work, are no longer in service, are disconnected, or give automated responses and then hang up. I checked the internet for information about this company. All of the XXXX consumer reviews say the company is a scam. My XXXX virus protection says that even their website is a scam. How do I stop the payments to this company? Our bank says it can not stop the payments since they have a merchant banking agreement. I am not able to contact this company ; an internet site says that other scammed consumers are trying to initiate a class action suit for fraud. I just want to stop our payments to this company ; how can I do that?

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 2021-11-10
Company: EQUIFAX, 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:
I have been blocked from uploading documents on the my Equifax dispute website and when I call them they are rude and don't wish to help. Also, transferred me to XXXX Equifax so that I don't rate their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX borrower who has been impacted by COVID19. I requested mortgage assistance from Rushmore back in XXXX and was granted a forbearance. Once my XXXX  started picking up again I attempted to reach an agreement with Rushmore for a repayment plan or possibly to tack the amount I owe to the end of my loan. Rushmore informed me that my only options was a loan modification that I would have to apply for. I informed Rushmore at the time this option was offered that I was barely getting back on my feet and did not have the same income as before. After a month of going back and forth submitting docs and completing the application, Rushmore informed me that I did not qualify for the modification and therefore owed a balloon payment at the end of my forbearance period. 

I have saved everything I possibly could over the last few months and am prepared to make a payment toward the amount I owe and continue to go back to my regular payments immediately if they would just consider other alternatives than to foreclose on my because I do not have the complete amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I disputed XXXX XXXX and XXXX with XXXX, XXXX and TransUnion with a copy of the police report over and lever, they dont do anything those accounts are due to ID theft, I didnt do them and never heard of XXXX and never opened any loans or accounts with XXXX XXXX XXXX I even sent them a police 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 non-monetary relief
Consumer complaint received 2022-04-03
Company: GreenSky, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I hired a firm to install a door in my home. The salesman offered financing through XXXXGREENSKY. I was not sure I wanted the financing. I was told I could apply for it and change my mind within a short period. Three days I believe. I applied but changed my mind the next day. The salesman acknowledged I could pay the cost through my personal credit card instead. Later I was suprised to see XXXXGREENSKY appear on my credit report with a balance outstanding. I asked to have the item removed from my credit report, and XXXXGREENSKY refused. Incidentally, the firm failed to install my door, so I do not owe anything to anyone for this project

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received the Indigo card services By Genisis FS Card Services XXXX Approximately 3 months ago. I have sustained a leg injury and have been out of work for several months now. I have gotten some calls from the organization after explaining to them the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company reported that I had a alleged charged off account as of XXXX. I have already disputed this account because they have been reporting a improper balance. They never provided the original contract that I owe the debt that bears my signiture. They never provided the purchase agreement which if requested by law they have to provide. Also they over the last few months since I requested validation they have ententionally been reporting mixed-up and confusing inaccuracies on my file. They have went from in collections to open account as well as reporting on my name that I am paid up to date then all of a sudden charged off. They are now reporting that I'm 119 days or 4 months past due on a charged off account. I believe I need legal representation. Because I belive my rights are being violated according to the fdcpa violations. I will upload proof of these preditory tactics that they are trying to use against my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Monterey Financial Services LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are stating that I owe XXXX thats not true. Also I was in contact with the original creditor and on payment arrangements when this debt was place on my credit report. I have never done business with Monterey Financial Services. I do not have a signed contract with Monterey Financial Services. I have a right to demand that Monterey Financial Services furnish the signed contract between them and myself. Also this company is not licensed in the state of Tennessee. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 ( short title ) and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in Tenn without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An unknown person opened a checking account on-line using my information. The account was opened at Bank of America. I live over 60 miles away from their nearest branch. I have never had an account with them. The unknown person hacked into my savings at XXXX XXXX  and transferred {$2800.00} on XX/XX/2022. I called Bank of America to report this. After being transferred 4 times I finally spoke to an agent who said the account would be shut down. I closed my savings account and opened a new one after XXXX XXXX  returned my money due to this being fraud. I thought this was taken care of until I received another statement from Bank of America showing me in the negative {$280.00}. I called them again just to be informed that it was automatically re-opened because a few cents was deposited into that fraudulent checking account. After the deposit when in the unknown person did a transfer out of this fraudulent account putting it once again in the negative. That account should of been flagged and permanently closed. Which is what my bank informed me. So someone did not due their due diligence and my credit is now suffering because of this. I need this account that I did not open, authorize and reported fraudulent, closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, XXXX, I sent IC System Collections a certified letter requesting validation of a debt they say I owe. The said letter was received on the XXXX day of XXXX. In that letter I asked that they validate the debt within 30 days ; However, I never got a response from IC System. 
As stated in such letter, I requested any debt that could not be validated, be removed from all three bureau 's in which it is being reported. There are XXXX accounts with this company that is being reported negatively with the bureaus. Having this report negatively and not being validated per my request, within the timeframe, is a direct violation of my FCRA RIGHTS. Because of IC Systems failure to validate a debt in a timely manner, I am asking that the accounts be deleted from all reporting agencies. 

Thanks kindly

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