BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-25
Company: CCS Financial Services, Inc.
State: CT
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 LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1.CREDIT COLLECTION SERV {$720.00} DATE OPENED ON XXXX 2.XXXX XXXX XXXX  {$250.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {$300.00} DATE OPENED ON XX/XX/XXXX 4.XXXX XXXX XXXX {$19000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX  XXXX XXXX {$360.00} DATE OPENED ON XXXX 6.XXXX XXXX XXXX {$650.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXX {$240.00} DATE OPENED ON XX/XX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter to Experian on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX, certified mail ( XXXX XXXX XXXX XXXX XXXX ) which was delivered and signed for on XXXX/XXXX/XXXX. These letters requested Experian to investigate the validity of information on my credit report that was being reported by XXXX XXXX for XXXX XXXX as I was challenging the accuracy, compliance and reportability of the item. I asked that they validate the information with XXXX XXXX and provide me with copies of any documentation associated with the account, bearing my signature. I had previously sent 3 certified letters to XXXX XXXX  requesting same and to date, they have been unable to provide that information to me. I formally requested Experian, twice, to delete the information on my credit report as they too have been unable to obtain validation of this account. As per FCRA Section 611 ( a ) ( 1 ) ( A ), Experian has 30 days to complete this investigation and provide me with method of verification which they have not. I did receive a letter from Experian on XXXX/XXXX/XXXX in acknowledgment of my letter dated XXXX/XXXX/XXXX stating that they would investigate my inquiry and after processing if it was found the disputed information is inaccurate, incomplete or can not be verified, they will delete that information or modify the information as appropriate based on the dispute. To date, my belief and understanding is that nothing further has been followed up on by Experian and they remain in willful non-compliance as I have not received any further correspondence relating to this dispute nor has the item been removed from 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 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
It is more than 2 months since I mailed out my letters for the credit bureaus to remove incorrect details on my credit report. I havent got any respond from them up to now. Not knowing what is going on has become stressful and I urge you to find out what is going on. 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 2022-11-17
Company: EQUIFAX, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CITIBANK, N.A.
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: Information is missing that should be on the report

Complaint:
There are 3 addresses reporting to my credit. Please update my address to only one address. That address is in the attachment of this complaint. This is my current photo ID with my license. There is also a copy of a utility bill serving as a second proof of residence.

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 2021-09-02
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 special handling department and explained that I had received notification that someone had applied for some accounts in my name. I had called the companies and explained the situation and they noted the incident. I spoke with someone but they didn't seem to understand what I was telling them. I keep checking my credit report and these inquires are still listed. Please delete this FRAUD information from my report. I have attached proof they sent me a letter this should be deleted but they did not remove them & each time I call it's a different excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: AL
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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: SECURITY FINANCE CORP
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My report is showing the same account twice for security finance. Both are filed as charge off accounts but I only have one account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: NPAS, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received collection notice from NPAS concerning debt currently in open complaint with the XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NPAS stated they conducted their own investigation apart from XXXX and that the balance is accurate and is [ my ] responsibility. I am currently sending certified mail to original XXXX XXXX XXXX ( original creditor ) and NPAS ( collection agency ) to await solution from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Porania, LLC
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 belongs to someone else

Complaint:
I have these accounts that does not belong to me and i want it to be removed. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-04
Company: COMMUNITY BANK SYSTEM, INC.
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was the victim of 23 instances of fraudulent electronic withdrawals from my checking account between XX/XX/21 to XX/XX/21 for a total of {$11000.00}. The withdrawals said either -- Payment XXXX XXXX  or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The bank account is held at Community Bank, NA in XXXX, Vermont. The bank phone number is XXXX and the address of the bank is XXXX XXXX XXXX, XXXX, VT XXXX. 

I have contacted the bank branch manager, the local police ( XXXX, Vermont ), and the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to report a violation under the FCRA. Equifax is reporting an unverifiable item. I am demanding this item to be removed from my credit report. 

If Equifax fails to remove this item from my credit report, I will not hesitate on filing suit. I am giving Equifax the chance to solve this through the CFPB portal. 

I am aware that reporting an unverifiable item violates the Free Credit Reporting Act and that it can be taken to court. I give Equifax 30 days to remove the item and send me a deletion letter for my records. 

Thanks to whomever reads my complaint. 

See documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
See attatched FTC ID Theft Report case XXXX **NO ACCESS TO REPORT OR RESOLVE FRAUD due to ( XXXX. ) CLEARLY, USAA gave me NO OPTIONS BUT TO PHONE. USAA ONLY PROVIDED PHONE ACCESS. see attatched CREDIT CARD FRAUD CLAIM DATE OF XX/XX/XXXX letter dated XX/XX/XXXX COMPLETION OF THIS FRAUD INVESTIGATION. USAA HAS NEVER PROVIDED THESE PERMANET CREDITS {$470.00}. THIS ACCOUNT IS DELIQUENT DUE TO ** NO FRAUD CREDITS PROVIDED. USAA POSTED {$460.00} Fraud Credits XX/XX/XXXX for XXXX FRAUD. USAA DESTROYED MY CREDIT WITHOUT RESOLVE OF FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Convergent Resources, 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:
On XXXX XXXX, 2020, CONVERGENT OUTSOURCI add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CONVERGENT OUTSOURCI has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2023-07-12
Company: FIRST PORTFOLIO SERVICING INC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XXXX XXXX, I called the company and wanted to close the account. They said I had to pay the {$6.00} monthly fee. I argued that it was the beginning of the month and I wasn't going to use the charge card anymore. This was exactly the reason why I wanted to close the account because of the monthly and annual fees. The account has no current outstanding balance due, is in good standing and has been paid on time every month ( including monthly and annual fees ) since opening the account in XX/XX/2019. If I have to pay the monthly fee, then I will never be able to close the account because the fee is charged the first of each month and the account will always have a balance due because of the monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result 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 non-monetary relief
Consumer complaint received 2017-12-13
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are not nor have we ever been in debt. I have receive many, many, many, many, many, phone calls from GC Services at XXXX. This is harassment. I demand compensation right now!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I can not take this any more. I want help right now. This should not happen to us. I want these people in jail right now!!!!!!!!!!!!!!!!! My wife and I have always been responsible and do not have any debt. I served for 21 years in the XXXX and XXXX XXXX. I or my family should not be treated this way. I want GC to pay for this harassment. If now help comes from this then I will truly know that doing the right thing and serving my country is a joke!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I received a call from The Receivable Management Services XXXX ( RMS ) regarding a debt they say I owed with XXXX XXXX for a cancelled insurance policy in the amount of {$670.00}. I advised the rep that per my right, I could cancel my policy at any time, with no further debt owed. As I continued my discussion, I was advised I needed to formally open up a dispute regarding this debt. I was given the ref # XXXX. My dispute was filed via email, with the deceleration page attached as requested and I received a confirmation email on the same date of XX/XX/XXXX, with a promise of the dispute being resolved within a maximum of 30 days. 

On XX/XX/XXXX, I had yet to hear from RMS regarding the outcome of my dispute. Thus, I called and spoke with a very nice representative name XXXX XXXX. She informed me that XXXX had responded to my dispute, but to date their response was not being communicated to me. I advised her that I had not received any notification of the outcome, via mail, email or by phone. She stated no letter had been mailed. No phone call were to be placed as my number was not apart of those that go back into the cue for calls. 

As of today, she stated per her records, no communication had been sent or would be sent to me for follow-up on my dispute. I informed her this was unacceptable on RMS 's part as I was supposed to have received some type of resolution communication within the time frame promised. And since that did not happen, this needed to be removed my credit report immediately as I had followed all of the guidelines set forth in disputing inaccurate reporting according to FCRA. 

XXXX, graciously apologized for the error on their part and that this had not been handled correctly. To date, no notification has been received.

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 2023-08-20
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/XXXX I received an email from US AUTO SALES STATING THAT I NEED TO CONTACT WESTLAKE PORTFOLIO MANAGEMENT BECAUSE THEY NO HAVE MY LOAN AND THAT IS A DEBT COLLECTOR COMPANY WHO DOES NOT HAVE MY CONTRACT NOR HAVE I SIGNED ANY CONTACTS WITH THEM AND US AUTO SALES BREACHED MY CONTRACT CAUSE SINCE THEY SOLD OUR LOANS TO THE DEBT COLLECTOR THE EXTENDED WARRANTY THATS INCLUDED IN MY LOAN IS VOIDED AND THE WARRANTY COMPANY TOLD ME THAT WHEN I REACHED OUT TO THEM ABOUT SOME WORK THAT NEED TO BE DONE MY CAR And NOW IM STUCK WITH A CAR NO WARRANTY THAT NEEDS ABOUT XXXX worth of work Done to it Have been requesting my Contact from WESTLAKE for a month now and they keep saying they dont have them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My county taxes were due by XX/XX/XXXX. My mortgage servicer, LoanCare, took money out of my escrow account to pay my county taxes of {$2100.00} on XX/XX/XXXX. XXXX XXXX County ( Virginia ) never received payment for my tax bill. I was then assessed the following fees/interest : Late Payment Penalty : {$200.00} Interest : {$19.00} This resulted in a new tax bill of {$2300.00}. 
I was on vacation from XXXX, so my first attempt to rectify the situation was XX/XX/XXXX, when I received a delinquency notice from my county. I called LoanCare on XX/XX/XXXX. I called my county on XX/XX/XXXX, and then responded back to LoanCare the same day. As of XX/XX/XXXX, I have contacted XXXX the following dates and still seen no attempt at replacing the money in my escrow account, attempting re-payment, or reimbursing me for the money withdrawn from my escrow account that never made it to my county : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I'm checking my credit report and I noticed I have some Hard inquiries what I don't know about it. I want to dispute those ones and delete it because they are affecting my credit score. I really appreciate your help Sincerely

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 2021-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 {$870.00} was deposited into my capital one capital one was reviewing it was supposed to be released XX/XX/XXXX first payment of {$200.00} second payment for {$670.00} was supposed to be released on XX/XX/XXXX. I spoke to a senior advisor he let me know he is short me they had my funds and it would be released on the days now Captial One says they sent my money back to the financial institution how do you send money back to a financial institution that Ive close down and unlinked from my external account the external account is XXXX XXXX and at XXXX XXXX  you cant talk to human XXXX XXXX  wont give me my money back and it was never deposited so now Im sitting here out of {$870.00} in the middle of a pandemic. With nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX, XXXX, and Equifax are failing to remove the security freeze from my credit report as well as the fraud alert from my credit report. I have requested to ask them to remove the fraud alert but, they refuse to do so, and or delay the process longer than what is needed. I asked XXXX, XXXX, and Equifax several times to remove to fraud alert and they refuse to do so via phone after I have verified my identity several times as required. Please refer to the documents attached social security number and government-issued ID with this report to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Sun Trust Bank has placed forced flood insurance on my home. I already have flood insurance. The bank claims that my house is in flood zone AE and my insurance company says I am in zone X. I've been fighting with them for months and the took {$4400.00} out of my line of credit to buy insurance that I don't require. I talked to all of my neighbors and they only pay between {$800.00} to {$900.00} a year. This seems like a scam to me and I can't seem to get anywhere with them. I also filed a complaint with the FDIC about this matter, but have yet to hear back from them. I flied that complaint on XXXX XXXX, XXXX. 

Thank You 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