BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$140.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After reviewing my credit report today XX/XX/21, I noticed XXXX XXXX & Equifax are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but account was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Stellantis Financial Services US Corp.
State: MD
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:
On XX/XX/XXXX I made a full payment in the amount of {$610.00} with First Investors manager XXXX XXXX. The confirmation number is XXXX. First investors refused to report me to the three credit bureaus in the month of XX/XX/XXXX. Most importantly, my payment was made PRIOR TO MY DUE DATE! Needless to say, First Investors is maliciously sabotaging my credit due to their procrastination in reporting. My account should be reported EACH MONTH!! Im not allowed to skip payments. Therefore, First Investors should not be allowed to skip months reporting my payment to ALL THREE CREDIT BUREAUS! The gross misconduct and shenanigans is extremely unprofessional and damaging.

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 2018-02-23
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't believe this debt is owed by me because i do not recall opening the account. Please remove my name from it. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Last year XX/XX/XXXX my city replaced my sidewalk. The bill for the replacement was added to my winter tax bill which increased my taxes from {$87.00} to over {$1600.00}. I was well aware that this would cause a shortage in my escrow therefore increasing my payment per month. Upon receiving my escrow analysis statement I realized Loancare was still anticipating paying {$1600.00} the following year XX/XX/XXXX. I called and explained the situation at which time I was told to send in my tax statement to have this corrected. I sent in my tax statement, HIGHLIGHTED the tax amount and wrote ( with arrows ) what happened and to please adjust my tax collection and run a new analysis. A new analysis was ran but the tax amount was still set at {$1600.00}. I called again but there was an extensive hold time so I decided to leave it be for now and consider it a savings account until XX/XX/XXXX. Winter tax statements became available XX/XX/XXXX, I attached a copy of my XX/XX/XXXX statement requested my taxes be adjusted and a new analysis ran. The taxes were not adjusted AGAIN an analysis was ran and my account still shows I have a shortage. I called was transferred twice and was told I need to submit a written request. How many requests does it take to get this right?!

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 2018-12-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened the platinum checking account on XX/XX/XXXX in branch. The banker assured me that once the requirement completed. I will receive the {$400.00} bonus. Received a direct deposit of $ 1,000+ within 60 days of account opening. Already contacted the customer service. The {$400.00} bonus has not been posted yet. I do received an offer code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phone called the collection agency. I have a great payment history and debt isn't mine. {$59000.00}, {$3000.00}, {$580.00}. SS do not match.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Experian Information Solutions Inc.
State: TX
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:
These inquiries below are not authorized by me.

XXXX XXXX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX 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 2021-05-28
Company: BMW Financial Services NA, LLC
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: Was not notified of investigation status or results

Complaint:
Evidence of non-compliance with my report. Injurious reporting of non-compliance, failure, non-certified information on my report and its negative impact on my financial situation. 
XXXX and XXXX non compliance and violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with DPT ED/NAVI. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DPT ED/NAVI with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: FL
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 disputed the inquiries via internet to all 3 bureaus and Im. It getting any where this inquiries were not made by me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: AR
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:
Earlier this year after noticing some inaccuracies on my credit report, I decided to reach out the credit bureaus to investigate. After further investigation it became apparent I have become a victim of identity theft. I've since sent in disputes, identity theft reports, and several other documents regarding my claim. It has now been over 90 days, and some of the fraudulent accounts still remain on credit file. XXXX XXXX, XXXX/XXXX, and US Dept Of ED/ XXXX are the accounts I've never had any association or received any goods or services related too. Experian, XXXX, and XXXX has failed to remove these accounts that were the result of identity theft. Under Fair Credit Reporting Act the bureau has 30 days to provide accurate verification which all bureaus has failed to comply with as well as provide a block per section 605b. There also several addresses along with inquiries that were requested to be removed which all still remain on my credit file which is unacceptable and a FCRA violation not to mention each one of the Dept of EDU -XXXX accounts has mismatching or conflicting open dates which is INACCURATE information.

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 2020-05-11
Company: EQUIFAX, INC.
State: AR
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:
Earlier this year after noticing some inaccuracies on my credit report, I decided to reach out the credit bureaus to investigate. After further investigation it became apparent I have become a victim of identity theft. I've since sent in disputes, identity theft reports, and several other documents regarding my claim. It has now been over 90 days, and some of the fraudulent accounts still remain on credit file. XXXX XXXX, XXXX/XXXX, and US Dept Of ED/ XXXX are the accounts I've never had any association or received any goods or services related too. XXXX, Equifax, and XXXX  has failed to remove these accounts that were the result of identity theft. Under Fair Credit Reporting Act the bureau has 30 days to provide accurate verification which all bureaus has failed to comply with as well as provide a block per section 605b. There also several addresses along with inquiries that were requested to be removed which all still remain on my credit file which is unacceptable and a FCRA violation not to mention each one of the Dept of EDU -XXXX   accounts has mismatching or conflicting open dates which is INACCURATE information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Capital Link Management, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Capital link management called at XXXX. Upon realizing the time they hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021, I purchased {$2000.00} SHIBA and {$1000.00} ETH  with a verified bank card, and then I sent the ETH  to another wallet, and then my account was restricted. I tried to contact the customer representative and they asked I wrote my name, date and the name of their company on the white paper, and uploaded the selfie photo with this white paper for verification. I uploaded these files according to their requirements! But 11 days have passed, and there is still no solution, just answer that I am still under review, let me wait patiently! I can only watch my funds fall from {$3000.00} to {$1700.00}. But I cant do anything, nor can I sell! I am unwilling to bear these losses because I purchased it with a bank card that has been verified by 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 2018-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I want the ALL the fees restored to ALL my accounts with BANK OF AMERICA from the time I began accounting with the since XX/XX/XXXX to XX/XX/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 monetary relief
Consumer complaint received 2018-05-05
Company: Commonwealth Financial Systems, 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: Old information reappears or never goes away

Complaint:
I have unpaid medical debts from a car accident in XX/XX/XXXX. These debts are being sold and reaged to the current year each year. It has now been 10 years and they just put a new debt on says opened XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: National Credit Systems,Inc.
State: MS
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:
After reviewing my free annual credit report, i noticed that there was an account placed for collection with National Credit Systems in XX/XX/2020. There was no written/telephone communication of this debt provided to me. I also sent a written correspondence seeking validation to National Credit Systems between XXXX XXXX of 2020. It is now XX/XX/2020 and I have yet to hear from the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am the victim of fraud. On XX/XX/2020 ; multiple fraudulent charges of {$54.00} XXXX ( Total : {$270.00} ) were made to XXXX XXXX store XXXX ( XXXX, AZ ) via my cash app. I contacted the merchant immediately on * ( XX/XX/2020 ) only to be told it was nothing he could do, and advise that I contact my card company. I contacted Cash App immediately as well on * ( XX/XX/2020 ) only to receive a generic response requesting information * ( email to merchant, police report, Internet crime report, etc. ) which I provided in several emails only to still NOT be refunded for the {$270.00} that was stolen from me, and dispute not file by cash app as requested. Cash App has compromised my account. A few months ago Cash app changed my account and routing number without my knowledge and permission. Now this has happen to me, and my money has been stolen and cash app is refusing to do anything about it. Cash app is not responding to my emails. I'm requesting to be refunded the money that was stolen from me by Cash App and XXXX XXXX store * ( XXXX XXXX. I truly believe in good faith that Cash App has compromised my account, and made fraudulent charges to XXXX XXXX via my cash app account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/21 I received a loan for {$2200.00} from Big Picture Loans. On XX/XX/21 I advised I would pay it off. However, they told me the pay off amount was {$2800.00}. That is a fee of about {$700.00} for holding a loan for one month. They are charging a 1.10 % daily interest rate. 

After doing some further research it appears this company isn't even licensed to do business in the state of California and this is an illegal loan. 

After even further research it appears there are multiple lawsuits against them for illegal business tactics. This company needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  a debt collection company in XXXX MI has continued to fraudulently attempt to collect a debt from XXXX XXXX in XXXX XXXX MI for the amount of {$68.00} stemming from a medical appointment in XX/XX/XXXX. The {$68.00} was paid directly to XXXX XXXX in XX/XX/XXXX. XXXX has continued to call and send collection letters for over a year despite XXXX XXXX informing them the debt was paid in full. I have also informed them multiple times that the amount was paid directly and no current balance remains. XX/XX/XXXX the {$68.00} was referred to XXXX  as a deragotary account despite a lack of evidence showing that this account is overdue or outstanding. Despite multiple contacts made by myself as well as XXXX  they continue to treat the debt as unpaid. They are using the deragatory report to XXXX  in an attempt to extort money from me without providing any valid paperwork showing the transfer of this debt to them or providing any statement or corespondence from XXXX XXXX showing the account being past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00}

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 2020-05-11
Company: EQUIFAX, INC.
State: AR
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:
It has been nearly three months since I first reached out to XXXX, Equifax, and XXXX  about fraudulent activity pertaining to credit file. I have sent XXXX, Equifax, and XXXX  several pieces of supporting documentation to validate my claim. I still have the same fraudulent addresses reporting on XXXX, Equifax, and XXXX   after I specifically sent a notarized request asking them to be removed. Several inquiries still remain on my Equifax, XXXX, and XXXX   report. I submitted an report from the Federal Trade Commission which included all of the accounts in question. XXXX  recently sent me a response requesting that I send in a copy of my drivers license, social security card, etc for identity purpose. I was sure to include all of those documents with my initial dispute and after speaking with a representative I was informed those documents had been received which makes this letter or automated response inaccurate. My rights under the Fair Credit Reporting Act have and continue to be violated and the bureaus must be held accountable per section 605, 609, and 611. Accounts XXXX   XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX were never established or opened by me and are the direct result of identity fraud and or theft.

Company response to consumer: Closed with explanation