BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i believe im a victim of identity theft and fraud.i am unable to get my credit report due to not knowing answers to questions about activity in 2009. I have never applied for a mortgage loan, ive never owned a credit card, ive been trying to establish my credit and this is an issue. my report from XXXX was accurate except for a few addresses listed, equifax however did not allow me to obtain a report based on the information they have not matching my information. please help me to obtain my reports so i can see what is wrong and i can go about filing report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-02
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from DIVERSIFIED CONSULTANT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against DIVERSIFIED CONSULTANT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I recieved a loan for {$460.00} about five years ago from Advance America. I was contacted by one debt collection agency XX/XX/2016 and paid them {$700.00}. Then XX/XX/2016 I was contacted by a XXXX debt collection agency, XXXX XXXX XXXX. They informed me I had to pay over {$800.00} or I would have a summons sent to me and have to appear in court. I proceeded to pay them because I believed this debt was possible late fees or extra charges. I paid {$840.00} and recieved a reciept via email. However I was contacted by a XXXX debt collection agency saying I have to pay {$700.00} or I 'll have summons sent to me and I 'm very angry and confused as to where over {$1500.00} has gone too because Advance America says in their system I still owe {$460.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Conn's, Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I purchased a {$1600.00} refrigerator in XXXX XXXX from XXXX 's XXXX, the day it was delivered the bends and trays were missing in which I had to go into the store and obtain these items from a floor model. A week later the week of XXXX the whole fron electric panel went out and the ice and water maker did not work. XXXX 's did not repair the refrigerator until the XXXX week in XXXX XXXX and refused to deliver a new refrigerator. During this time XXXX 's offered me extensions so I did not have a payments due during this 2 month period until the issues were rectified. When the refrigerator was finally repaired I called in to make XXXX payment. Now I received information from the XXXX credit bureaus that my account has been delinquent more than 60 days. This information is incorrect and has negatively effected my credit trying to receive a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: ERC
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a XXXX account and it was turned over for collections back in XX/XX/XXXX. I returned the equipment to them in XX/XX/XXXX due to finding them in storage because they were loaded on the moving truck with other stuff. XXXX turned me over to collection company called XXXX and I seen this on my credit report. I filed a dispute on this and explained to them that this had been resolved in XX/XX/XXXX. They removed this from by credit report in XX/XX/XXXX. The amount was {$1000.00}. On XX/XX/XXXX it reported back on my credit report again. I disputed it once again and now it is under a company called Enhanced Recovery Company. I called them and told them to remove this and she said no I cant do that you owe the debt. Explained to her that this was disputed in XX/XX/XXXX and once again XXXX has turned it over to another collection company after it being removed in XX/XX/XXXX because I did not owe the amount. They are falsely reporting account to a collection company and I would like something done about it. I called XXXX and they said they would have to look into the credit and they can not have the account pulled from this new collection company Enhanced Recovery Company. I want something done about this at once or I will be contacting an attorney and the FDCPA will be reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-28
Company: Associated Credit Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Charged me for a utilities and refused to accept proof that I was not residing at property at time bill was made. No record of call to disconnect. I paid this company 's hired collection agency ( Assoiated Credit Services ) {$410.00} in order to remove a debt from my credit reports related to a bill that I did not make for utilities. I have explained that I moved away from property. I left the state for a contract travel assignment for work on XX/XX/XXXX. XXXX XXXX was notified on XX/XX/XXXX but they conveniently lost the record of my call. The owner of the property will not remove it due to a unrelated dispute. The property was vacant but billing continued for XXXX months after I vacated. I received a bill on XX/XX/XXXX and promptly notified XXXX XXXX that there had been a mistake and requested service be disconnected. There was no previous balance due. I was told that there would be an investigation and I would receive a final bill minus the time I was away from property but I would be contacted by a supervisor if they needed my documents of proof. I never received any further correspondence. I restarted my credit monitoring service a few months ago and noticed that I had been referred for collection. I immediately called XXXX XXXX to resolve matter but was informed that ASC was in full control of collections and they refused to accept a payment. The representative also suggested I file a dispute with the credit bureaus and explain the matter. and/or file a dispute with the credit bureau. I called ASC and explained the whole ordeal of moving and not being notified or aware of bill or collection efforts. I was told to call XXXX XXXX to have matter corrected and/or dispute the inaccuracy with the credit bureaus. I explained that I was willing to pay debt to expedite the removal despite not owing bill, the ASC representative agreed and said I would get a receipt in mail but they could not put in writing that they would delete. I was told by XXXX XXXX and Associated credit services to " call the credit bureau and challenge the debt ''. I did, XXXX reports that ASC verified the debt was valid and that no payment had been made. I have a contract for employment with a start date XX/XX/XXXX in South Dakota on a remote XXXX XXXX. It is not possible that I made the bill for utilities. Someone was residing at the residence. I am positive I called to disconnect service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-20
Company: CAVALRY INVESTMENTS, LLC
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 Validation letter to XXXX XXXX located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Mi XXXX. I asked them to provide me with the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please evidence your authorization to do business or operate in this state. 
Please evident proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
Please provide a complete account history, including any charges added for collection activity. 

In return they sent a bill from another company that had nothing to do with what was requested. I contacted the credit bureaus and they failed to re investigate this matter. It is affecting my credit profile in a major way

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt collector contacting me about an amount that XXXX XXXX claims I owe them under the name Online Information Services, I want this debt dropped from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I initiated a dispute on XXXX/2016 due to erroneous fraudulent information being reported on my credit bureau report, and I have a 7 year fraud alert with a police report filed. 
Also I recently filed a bankruptcy and there were a lot of accounts that was suppose to be included in that bankruptcy on my credit report that was not, and was reporting adverse action negatively as if I never filed a bankruptcy. XXXX, and XXXX had taken care of the erroneous fraudulent situation the first tI 'm I noticed and disputed the accounts, however equifax have not resolved the issues!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: LD Holdings Group, LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I re-financed with loanDepot two months ago. I have always made partial payments with my previous lender ( 2 per month from my banks bill pay service ). loanDeport advised that they do not take partial payments AFTER suckering me into signing closing papers. I informed loanDepot that if they had disclosed their terms in the closing documents I would have stayed with my previous lender or gone with another lender as I had other offers. loanDeport replied that if I continued to send partial payments XXXX things could happen " ( 1 ) returned to you, ( 2 ) applied to your loan, ( 3 ) accepted but held in a non-interest bearing unapplied funds account until you send us additional funds sufficient to equal a full periodic payment due. '' I replied that option 3 was OK with me as this is what my previous lender has done. loanDepot also informed me that the only way they took partial payments was if I signed up for their " Budget Plan ''. In other words they want to force me to give them control of my payments and let them have my bank information. I did review all my closing documents and loanDepot 's only disclosure was the amount of my monthly payment and the date is was due. No disclosure that I had to make the entire amount in one payment. 
I made a partial payment of {$500.00} on XXXX/XXXX/16 and loanDepot choose to apply the payment as additional principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I had a account with Bank of America and had checks written that I did n't write but everything was paid off but still red flagged me and I ca n't open account at any bank but account was closed and paid off. Just would like to open a checking account again. It has been 4 years since I had it. Thanks  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 2017-01-01
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX transferred my mortgage account to Seterus ( Servicer ) a few years ago and Seterus and XXXX have continued to report inaccurate information ( Delinquency ) to the XXXX major credit reporting agency. Seterus has insisted that my last late payment was in XX/XX/XXXX and that information is not correct. My last payment was made to XXXX back in XX/XX/XXXX while trying to work out a modification plan with XXXX that eventually did no work out. I will submit copies of my personal checks of my last 4 payment that were drawn through my routing number and clearly shows the date/time of my last payment to XXXX. Can you please pass the correct information to Seterus/XXXX so that in turn they can report accurate information to all XXXX credit reporting agencies. It has been over 7 years since my last payment to Seterus/XXXX which makes it illegal to report a late payment over 7 years old. Thank you so much, Your attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This complaint is against XXXX Information Services LLC because I do not agree with the investigation made by the company Information Services LLC, the accounts that I am disputing are XXXX and XXXX Credit Card. This accounts were opened without my permission or were authorized ( fraud ). Which the XXXX companies were reported in the last three months. How i have said before I made all the documents and evidence that I have which is the Affidavit, the police report and my ID. XXXX and XXXX made opposite results than Equifax , these results were correct and were made on my favor supporting the true statement that I am victim of fraud, following the federal law, which is FCRA 605B. I find it odd that Equifax gave a different result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Experian Information Solutions Inc.
State: PA
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 11 XXXX XXXX XXXX account number XXXX in the amount of {$1300.00}, {$3100.00}, {$3800.00}, {$7500.00}, {$3800.00}, {$7600.00}, {$4900.00}, {$5900.00}, {$1000.00}, {$1800.00}, {$3200.00}. This loan is no only of mines and in litigation. These accounts violates my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, and 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all.

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 2015-04-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
All XXXX credit reporting companies, XXXX, XXXX, equifax ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my XXXX. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, i.e. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life. 
Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
A XXXX year old XXXX XXXX with 12 years credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all 14 years of credit history that I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CoPayments to   XXXX   XXXX   XXXX   XXXX  ,  XXXX , nj were paid through credit card during every visit and rest of the payments were paid by my insurance company. Before taking advantage of their service it was agreed that I need to take care of only copayment as they checked all details with my insurance company.     Now I have received {$170.00} from transworld systems Inc  XXXX   XXXX   XXXX ,   XXXX   XXXX  , pa  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: I.C. System, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was charged because of equipment I had from XXXX. I was told I could send it back and would not owe for it. They sent me a return label and I sent it back. Now I 'm getting letters that it was sent to collection. I should not owe for this, I have tried to call and every time I get told it will be researched but it still has not been.

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 2021-06-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear CFPD, I am contacting you regarding my issue with PayPal. My account was permanently limited ( closed ) for no reason. After contacting them they are still unwilling to help me and will not get it back up and working. I am unsure if this is a mistake, but, either way, I have done everything in my power to get my account back and I was unable to. 

My account registered to my email XXXX currently has {$2200.00} USD which are blocked. I used PayPal quite frequently and I find it extremely unfair that they are holding my money. I hope you can help me. My full name is XXXX XXXX XXXX XXXX. You can contact me at XXXX XXXX or my other email, XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CURO Intermediate Holdings
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 information incorrect

Complaint:
They told me they no longer had access to my account. Its appearing as a wrong date on my credit report. It should be off my report already?!! Its affecting my chances of my credit going up!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not had XXXX XXXX for approximately five years. I have never had Dish call me or send me mail stating I owed them money, and I do not agree that I owe them anything. Suddenly after all these years Diversified consultants began calling me, however they refuse to give me information without me telling them my social security number when they are cold calling me.They have not sent me a single notification by mail though it has been more than a month since they first called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
These people CALL MY CELL Phone and CALL my HOME number. 
They leave messages on my Cell phone to contact them. Last week on XXXX/XXXX/2015 i returned a call. The agent there said that my number should have been removed. IT WAS NOT i received another call today XXXX/XXXX/2015 at HOME and on my CELL phone again. The issue is that they are trying to reach my SON. WE have the SAME name Except i am XXXX. he is XXXX. the debt is HIS not MINE. 
That is what i told them yet they still call MY NUMBER.

Company response to consumer: Closed with explanation