BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: ALLY FINANCIAL INC.
State: IL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. ALLY FINANCIAL Requested On : XX/XX/2019, XXXX XXXX XXXX XXXX  Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2021-10-07
Company: Synovus Bank
State: IL
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:
First Progress has cashed a check for the amount of {$100.00} that was a pay for delete agreement written clearly and largely visible on the front. The check number was XXXX dated XX/XX/XXXX. This item was never deleted and in fact it was last reported XX/XX/XXXX this account is reported on a monthly basis and should not be! This account was labeled as a charge and is consistently reporting and has had me turned down for many things due to the fact it shows recent delinquency and that is incorrect! XXXX looks to have delete this item after contacting them in regards and providing proof. However this account continues to negatively report to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under SARMA Collections Inc. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still there were no updates to reflect that account was being disputed and no validation was received therefore I sent a dispute direct to all 3 credit bureaus.Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was instructed by a Chase Bank representative to get a refinanced auto loan quote by following the step by step guide found online. 

I completed the application and was notified that I had been approved for a {$14000.00} dollar loan for a used car for a near by dealership? 

None of the information is accurate and not even close to what I wanted. 

I was never given an opportunity to approve the rate or loan amount. I can not cancel the loan application and have a 'hard inquire ' on my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Apartment complex was listed XX/XX/2022 on my credit report for a little over XXXX XXXX dollars. I spoke with the complex manager she said she could not provide me with information & that she became manager a a little over a month ago & that she couldnt give any info. On my credit report the leased was from XX/XX/2022 til XX/XX/2022. Same day I received a call bk from the property manager before the one I spoke to, she said the tenant who lived there was evicted i ask her did she meet with the tenant at any point to describe the tenant or any supporting evidence or copies ect. Wit whom she signed the lease agreement wit? She responded with had no identification, social, check stubs, that was given to her & that everything was done online. The person also connected utilities over the phone & sent a connection verification letter through email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was received an offer from Portfolio Recovery Associates LLC on behalf of XXXX XXXX XXXX to pay off the debt in full in order to have the account removed from my credit report. i have attached a copy of the correspondence from Portfolio Recovery Associates LLC on XX/XX/XXXX stating the account will be removed within 30 days however, the account balance was paid in full in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: BARCLAYS BANK DELAWARE
State: IL
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've tried to contact barclays ( XX/XX/21 ) about about transaction on XX/XX/21 in the amount of {$69.00} from a merchant of XXXX [ XXXX XXXX ] and the agent didn't want to help, she actually hung up on me. 
I'm trying to dispute this charge because XXXX forgot or didn't want to fulfill the order and I've waited for a long time for them to even process the order, but some how these merchants always take your funds away instantly with no problem. So I contacted the merchant first and told the to cancel and refund the order within 1-2 days, which they didn't, then they ignored my request so I contact barclays after the 2 days I've given XXXX  to resolve on their own. 
So barclays is not helping either, I would like a prompt refund for the order that was never shipped.

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 2018-03-28
Company: The Outsource Group, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Apparently, XXXX sent me a notice that I owed XXXX XXXX XXXX {$520.00} on XX/XX/XXXX. At this time, my son, who is a XXXX XXXX veteran and has severe XXXX and XXXX, was going through a rough time and XXXX   XXXX because on XX/XX/XXXX he hit an XXXX  in XXXX while serving in the XXXX. On XX/XX/XXXX, he attempted XXXX, and I spent the next few weeks securing treatment for him because the XXXX XXXX XXXX XXXX had turned him away on XX/XX/XXXX. Needless to say, as a family, we have been dealing with this for years and it is unbelievably exhausting so  whether XXXX sent me this bill or not I have no idea because for the past couple of months my life has been turned upside down. I also have XXXX so that complicates matters. 

I had called XXXX XXXX XXXX a couple of months ago to setup a payment plan and unbeknownst to me, they do not automatically take all of your accounts into consideration for the payment plan so again, I thought I was doing the right thing but because I did not unequivocally state that I wanted all accounts included, I am punished. 

On XX/XX/XXXX, I noticed that XXXX had added a collections report to the credit agencies so I immediately paid XXXX XXXX XXXX {$520.00} directly. I called XXXX to see about having the collections removed from my credit report and they will not. Yes, I know I missed paying that account because I did not receive or overlooked the ONE statement they sent me but I was busy trying to keep my veteran son alive. 

I now have my house on the market and I guess I will be homeless because no mortgage company is going to touch me with the 40 point drop in my credit score. I do not understand why XXXX would not even entertain removing the collections from the credit agencies. There is no empathy or sympathy in this world anymore and especially for Military families.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Flandreau Santee Sioux Tribe
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was left a voice message stating that I would be served legal papers for a court date on XXXX XXXX, 2021. I called the number back and was directed to a so called lawyer. This lawyer tried to get personal information and stated that I committed wire fraud on an loan with Rushmore Financial. I began to laugh, as I have not conducted any business with this company. Then the lawyer hung up. The phone number that called was a local area code, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracy on my Credit Reports. This account, ENHANCED RECOVERY CO L XXXX, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified account, AWA COLLECTIONS XXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
My identity was used to open bank accounts and credit cards. These applications were done through the computer. I have tried multiple times letting Amex, XXXX and XXXX XXXX know. XXXX XXXX researched and discovered that I was right. Since then they have removed the fraudulent account from my reports. However Amex continues to say they can not provide a copy of the application that was supposedly applied for using my identity. They are still currently updating the account as late and over the limit. This is causing my credit report scores to dwindle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: MS
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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Bread Financial Holdings, Inc.
State: NY
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:
I just sent that a collect was added to my collection section and I have no clue who they are and how can I get in contact with them. Its says I owe them XXXX from who I have no clue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX to XXXX Td bank is processing transactions from high to low, rather than the order in which they are received. Transaction ( Re-ordering ) and when Transaction post to account to allow them to spread out the over draft fees. within a 4day period I was charged {$450.00} in over draft fees. 

Today I had founds available come to find out td posted {$170.00} in fees they say was from Friday, now my account is a negative XXXX and they will must likely change me another fee and a extended fee. 

I have XXXX kids one has XXXX my wife is not able to work every penny counts we live pay check to pay check, when I am wrong charge me but what td bank is doing Is deceptive and and should be investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13
Company: SELECT PORTFOLIO SERVICING, 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 is missing that should be on the report

Complaint:
On XX/XX/2020 made a request ( through CFPB ) to have Select Portfolio Services ( SPS ) report our payment history to the Credit Reporting Agencies. The Credit Reporting Agencies informed us they would report the information when we got the lender to provide the information to them. 
SPS, in a letter dated XX/XX/2020, stated : " Please be advised it is SPS policy to cease reporting to the CRAs after a Chapter XXXX Bankruptcy Discharge, unless a Reaffirmation Agreement is obtained. '' Thus closing the previous file. 
On XX/XX/2020 at XXXX XXXX  I called SPS customer service and spoke with customer service rep XXXX. XXXX advised me that they could do nothing for me since it was the LAW that they could not provide my payment history to the CRAs without me sending them the Reaffirmation Agreement. 
After requesting a supervisor, I spoke with XXXX  XXXX. I advised XXXX ( as I did XXXX ) the following : 1 ) A Reaffirmation Agreement was signed at the time of the BK XXXX and was necessary to complete the Loan Modification that is currently in effect and up to date. 2 ) After XXXX was unable cite the LAW that precluded them providing the information to the CRAs, she admitted it was just company policy. 3 ) The loan modification concluded 3 years after the BK XXXX. Meaning that the lender required fresh signatures on the new agreement. Therefore, every signature was indeed and in fact a " Reaffirmation '' of commitment to repay the loan. 4 ) The other party on the loan with me was not a party to the BK XXXX and was still entitled to have all information properly reported to CRAs. 5 ) SPS has  the ability to properly report our information to the CRAs. SPS is being punitive and arbitrary. 
All I am requesting is for SPS to report our payment history, timely, completely and accurately, to the CRAs, as required by the Fair Credit Reporting Act. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
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: Investigation took more than 30 days

Complaint:
currently XXXX is reporting a fraudulent account on my report. I'm beyond frustrated. I've had to file a complaint and hopefully they'll catch the theif. I understand the credit reporting agency are simply doing their jobs but by them not responding and deleting the fraudulent information it's unfair to me. I am asking them to block the unauthorized inquiries from my report as well as block the XXXX account from my file. I found out that my information was exposed in several data breaches around 2015 and ive not known until 3 months ago that I could correct this according to the Federal Trade Commission and CFPB XXXX XXXX XXXX XX/XX/2015 XXXX BANK-NEVER LATE INNACURATE LATE PAYMENT REPORTING/ I WAS TOLD MY ACCOUNT WAS CONFUSED WITH SOMEONE WITH A SIMIALAR NAME BEING MY NAME IS VERY POPULAR PLEASE SEE ATTACHMENT FOR THE 40 UNATHORIZED INQUIRIES THAT NEED TO BE BLOCKED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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:
Equifax currently reports an inquiry i do not reconized, XXXX XXXX XXXX This Inquiry is unauthorized, illegal Reporting has no permissable cause, no loan or credit has been awared. a violation of FCRA rules

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: ROC Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They have been contacting me since XX/XX/XXXX that I know of. They claim that I owe a debt that I know nothing about. The have contacted my sister and my job now leaving threatening messages. They left a voicemail on my company receptionist voice mail on XX/XX/XXXX stating my FULL social security numnber threatening to that they were sending a writ and that they were looking for a fax number that I called and provided on XX/XX/XXXX. The voice mail he leaves states a case number XXXX i have the voicemail saved. They also contacted like I mentioned my sister XXXX leaving a threatening voice mail stating that she or myeself or my attorney must contact him by the end of the day or else ( he did not elaborate ). When I called back he would not tell me the full name of the company, or his location. He requested my bank or card information and if not then he would be grnishing my wages. When i asked for more information he stated that he did not have any to give me and that was not his department. My biggest concern is that he is calling random numbers and leaving my social security number all over the place. I would like hep on this matter as i belive this is among other things i have mentiond ar illegal practices by a debt collector. Please help me, luckily I have an understanding employer but I cant imagine everyone is so lucky. Their website provided no mailing address only anothe XXXX number and an email see below ****If you are a consumer and have been contacted about a debt obligation, please feel free to call us toll-free at XXXX. You XXXX also fax us at XXXX. If you prefer email, then reach us at XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 writing to dispute the following information in my file. The items I dispute are listed below. The bureaus have been ignoring my requests.

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 2021-04-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Resubmitting complaint XXXX as they didnt answer the question which is the issue. Please review complaint case XXXX. 
Advised was affected by COVID 19 for being late and didnt receive letters stated till my call and explained and didnt want account to get credit reported and was advised if I pay in full will not be reported and would be removed. I paid as promised from last call. Credit report is reporting XX/XX/XXXXbalance but has not been removed/deleted as advised?

Company response to consumer: Closed with explanation