BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-28
Company: SELECT PORTFOLIO SERVICING, 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: Account status incorrect

Complaint:
XX/XX/XXXX the talked to SPS select portfolio services to XXXX and another new rep. We are still having late issues regarding this account and a late reporting with XXXX please fix. XX/XX/XXXX the per attached pictures said late changed to current per SPS Last night XX/XX/XXXX SPS select portfolio services hit my credit with XXXX again saying its late see picture. This is taking tooo much time out of our lives This problem still exists and is not Fixed ... .not an isolated issue this is an ongoing problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Weinman Acquisition Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Weinman Acquisition Group continually calls me after I told them to STOP calling my phone. The rep goes on to say I will call you three more times how bout that and do what you have to do?? I 've emailed and called them to stop these harrassing phone calls and they still do so. Now I will file a lawsuit in court. Also stating a warrant for my arrest would be served if I do n't contact them. I have a voicemail stating that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-09-22
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: Was not notified of investigation status or results

Complaint:
CRA did not respond to method of verification request letter and or delete unverified public records on credit report within 15 business days as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Abrahamsen Ratchford, P.C
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is a credit card debt that is from 2014. The creditor is XXXX XXXX. I was laid off in XXXX of 2014 and used my severance pay to hold me over until a new job but the severance ran out first and multiple of my creditors fell behind. Now XXXX refused to make arrangements with me and now I find out a law firm represents them levied my wife and I checking account putting it negative {$2300.00}. We live pay check to pay check and we live off 1 income. The lawyer is XXXX XXXX  attorney # XXXX. I am willing to make arrangements minus fees and whatever this lawyer cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX Re : XXXX Continuing Dispute Dear Billing Disputes : Attached is a copy of your letter of XX/XX/XXXX and its attachments which included XXXX XXXX XXXX response in my favor as well as my initial dispute letter of XX/XX/XXXX. I have signed you letter of XX/XX/XXXX and returned it with my response as I continue to dispute the charge of {$1400.00} on my XXXX XXXX statement. 
I checked in on XX/XX/XXXX and was going to leave on XX/XX/XXXX XXXX XXXX swiped my card when I checked in for a total of {$1400.00}. But I stayed an additional day and checked out on XX/XX/XXXX and gave the desk person my card and was charged for {$1600.00}. The amount of {$1600.00} is the final bill. The {$1400.00} has disappeared from the XXXX XXXX system since it was NOT the final bill which was for {$1600.00} which I have paid and have received a receipt for on the day of check out on XX/XX/XXXX as well as another receipt emailed to me on XX/XX/XXXX from the XXXX XXXX which is attached. 
{$1600.00} was the total bill for the stay with a check in date of XX/XX/XXXX and a checkout date of XX/XX/XXXX. 
I called XXXX XXXX, Front Office Manager, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX California XXXX on Saturday, XX/XX/XXXX. XXXX XXXX, Front Office Manager, explained the final bill and the only bill owed was for {$1600.00} and has been paid. XXXX XXXX said my dispute is with AT & T Universal Card ( owned now by Citi Cards ) which has NOT corrected the credit card statement. 
Please re-read XXXX XXXX, Front Office Manager, letter, faxed XX/XX/XXXX to AT & T Universal Card ( owned now by Citi Cards ) see Citi pages 3-10 and remove the charge of {$1400.00} from my credit card bill. 
I am sending a copy of all this correspondence to the Consumer Financial Protection Bureau as my complaint.

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 2018-01-06
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Commonwealth Financial systems a 3rd party collection agency attempting to collect a debt in the amount of {$1900.00} for medical when all information was given day of services and has been paid in full.

This collection agency has reported to my credit bureaus, I am asking them to show proof that this debt is owed to Commonwealth Financial Systems and please remove permanently from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from Sunrise Credit Services Inc. stating that I owe {$290.00} for an account I hat in XXXX XXXX XXXX. I have talked to XXXX already and there is no record of me having an account with them, they looked me up with my SS # as well as with my full name and no record was found. I have never used XXXX for anything.

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 2022-01-18
Company: Experian Information Solutions Inc.
State: TX
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:
The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

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 2019-09-22
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I went to an XXXX XXXX in XXXX, NC. I chose this particular facility because I knew that it would be covered 100 % by my medical insurance. When I spoke about the services I'd be receiving, they told me that my insurance would cover ALL of it and I would not have to pay for anything. Around XX/XX/XXXX, I received a bill from XXXX XXXX that stated I owed {$790.00} for service that was rendered on XX/XX/XXXX ... .I did not go to this or any other XXXX XXXX facility on this day, as I was at work from XXXX. When I called the facility in XXXX, I asked them why I was sent a bill, the person I spoke with stated that I didn't owe anything. A month later, I received another bill for the same amount of {$790.00}. Once again I called and asked why I owed anything since I was told that my medical insurance company covered everything. Once again, I was told I didn't owe anything. Around XXXX of XXXX, I received a bill from Bull City Financial ... a collection company. I was placed in collections for {$790.00} that I don't owe to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
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:
Someone Stole my identity. I don't Know how they did it But Please help fix this Situation 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 non-monetary relief
Consumer complaint received 2019-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone Stole my identity. I don't Know how they did it But Please help fix this Situation thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
my Name is XXXX XXXX On XXXX 2022 I asked the XXXX XXXX to fix my computer. and in the pupose a person or company { XXXX XXXX } took over my computer took over my Huntington Bank Account took out 5 gift cards for XXXX later that day, I called Huntington and told them that person or company had done this to my account. Huntington said they would take care of the problem. Now they say its my problem THANK TOU VERY MUCH XXXXt XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For the past 6 months, I have been paying down my debt quickly and I have not been late with any payments for a long time nor do I have any delinquencies. Naturally, my credit score went up with all three bureaus from XXXX to XXXX. 

To my dismay, a couple of weeks ago my score with Equifax dropped 26 points on XX/XX/XXXX, I called them to ask why because i am current with all my accounts and I had nothing delinquent or fraudulent on my credit report. I called twice and they failed to explain anything to me claiming that they could not access my credit report. I also can not get in touch with anyone in the United States, only call center seems to be in the XXXX which sketchy. I also filed a dispute with Equifax about this. 

On XX/XX/XXXX I get another alert that my credit score has dropped again with Equifax for another 15 points and I am very upset and angry. I looked at my report and saw all these disputes and removed remarks and so on. I did not authorize any of that activity. I called Equifax and spoke to a XXXX man who accessed my credit report but did not do a good job explaining to me what happened. I was getting frustrated and kept asking him to explain to me in a different way but he proceeded to repeat himself as a robot would. He claimed that I filed disputes against all of my creditors and I told him I did not. He accused me of lying after I told him that this was fraudulent activity. As I mentioned in the prior paragraph, I told him that the only dispute I filed was with Equifax a couple of weeks ago when they dropped my score 26 points for no apparent reason! Eventually, he just hung up on me. 

This seems very unfair, I have a right to know whey Equifax is messing with my credit score and messing with my life. There is no apparent reason for them to drop my credit score nearly 41 points in less than a month! 

You should also know that this score drop only happened with Equifax, my score with XXXX  and XXXX is in the XXXX and now Equifax is in the XXXX again. I suspect fraud and wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: GA
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:
TO WHOM IT MAY CONCERN : Under 15USC 1681b- permissible purpose of consumer reports ( A ) IN GENERAL- Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX NEVER gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. Concerning the accounts listed below as a consumer demanding deletion of these accountsXXXX XXXX XXXX  : XXXX XXXX XXXX NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXXE ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT XXXX : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan for {$600.00}. I never spoke with anyone, everything came by email. My payment is XXXX bi-weekly and I 'm no where near being finished paying it off. With interest laws in NC i thought this loan would be paid off after a few months but when I was finally able to login to my account to date I 've paid XXXX in just interest and only a total of XXXX to the principle since my first payment XXXX XXXX, 2017. 

This does n't make any sense. This account should have been paid off already, but when my payment is taken sometimes on XXXX is going towards the principle. It says my interest rate is 697 %. Is this legal? I finally decided to do research about the laws and NC law says 36 % is the limit. Can anyone assist? This was supposed to be to help for unexpected bills for a short period, but the balance has never gone down low enough to pay it off because most of the payment is going to the interest. 

I would think the interest rate would be higher if someone was missing payments, but I am current and have never gotten an extension or missed a payment and I have still paid an exorbitant amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm asking that these accounts be removed and block from my credit report. i receive a copy of my credit report and i noticed a handful of accounts and unauthorized credit inquires on my report. i then contacted the 3 credit bureaus because i suspect it to be fraud. none if the account listed are related to any transaction done by myself.

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 2018-01-06
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I purchased this home that we currently live in almost 40 years ago. The original loan amount was {$64000.00}. Over the years and mortgage was transferred over to Ocwen without our consent. In the past 2 1/2 years alone my husband and I have paid over {$30000.00} in mortgage payments. However our total balance went from a XXXX XXXX XXXX to XXXX XXXX $ after {$30000.00} in mortgage payments. We have been home almost 40 years and the mortgage lender stated that our home will still not be paid off for another 20 years.During this entire process my husband and I have made the mortgage payment every month principal balance and interest rate and the Total amount owed continues to grow and snowball out of control.

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 2022-01-18
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a online Macy 's purchase on XX/XX/2022 Total {$910.00} Order # XXXX 2 items ( XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Comforter and Light Weight ). Macy 's claimed they delivered, but I never receive the 2 comforters. They refuse the refund and charge these items any way.

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 2018-01-05
Company: ENCORE CAPITAL GROUP INC.
State: NC
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:
No legal validation for this collection. Requesting actual account and chain of assignments to show ownership. NON ASSUMPSIT binding both parties. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX send via certified mail to this company. They are in violation with the laws. The Credit bureaus and also in cahoots with these people. This is an unverifiable account. I have made several attempts to deal with this matter. I want to know who is the agent for this company XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wired funds on XX/XX/2021 From my Bank of America account and on XX/XX/2021 I recalled the wire transfer as it went to an account that was closed at XXXX XXXX. XXXX I guess will not respond to BofA and I can not get my {$2000.00} back

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 2022-01-18
Company: Velocity Portfolio Group
State: GA
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:
On XX/XX/2021 I received a letter from XXXX XXXX  XXXX counselors at law indicating that they were attempting to collect a debt. I sent them a response to dispute the debt and requested information to validate the debt. They failed to provide me with pertinent information and the information is false and misleading. As it is my understanding that an Attorney can not serve in the capacity of a debt collector. There is no evidence of signature or a copy of my identification proving that it was in fact me that initiated this loan. There is no ledger of the account and general ledger statement showing the full accounting of the alleged obligation they are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity. There is also no signature wet ink or electronic signature on the Disclosure and consent to electronic receipt of loan disclosures and electronic contracting e-sign Consent or the credit profile authorization One of the documents gives the principal amount at charge off. Which indicates that this loan has been charged off. However, this statement and several others do not have any identifying information connecting me to such obligation. 
Now I am receiving solicitations from attorneys indicating they would like to represent me in the lawsuit that was filed against me by VelocityXXXX XXXXXXXX XXXX 
This is causing me undue stress and sleepless nights!

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