BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: Block, Inc.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I lost access to the accounts and phone numbers that are the login credentials. After repeated attempts to access the account with the help of customer service i was told that access to the account or the funds would not be possible and they could provide no further information. The irs direct deposited XXXX dollars in the account in question and i need to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my credit report and saw that Afni had a collection account on my credit report. On XX/XX/22 I sent them a letter stating that I received a copy of my credit report and unbeknownst to me they had placed a collection on there without sending me any validation information prior to doing so. Per 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 1006.34 Notice for validation of debts. a debt collector must provide a consumer with the validation information. Which they failed to do. 

Its been more than 30 days and I have not received a response from them. This is NOT my account, this is NOT something I owe. 

Ive included the certified letter that was sent and received by AFNI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: MI
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
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: Their investigation did not fix an error on your report

Complaint:
I have had someone to use my personal information to attempt to open accounts in my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The account was opened fraudulently by person unknown. I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Company: FC HoldCo LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I opened this account in 2014 and if you look at they pay history the application of payments is always inconsistent although I have been paying late they are abusive threatening and once I make two or three payments they balance goes up not down.

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 2017-02-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me twice a day everyday of the week. I have told them do not call me and send letters to me in postal mail. They have demanded me to give them a debit card info. And or credit card over phone to pay a payment. I told them no I will not give any info. Over phone. They refuse to send me anything in mail. They are harassing me everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying to get the XXXX charge off of my report as it was FRAUD and reported as such. I have contacted all three credit reporting companies with no such luck. I have sent XXXX the police report and they still wont remove this from my report. THIS SHOULD BE REMOVED!!!!!

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 2021-07-27
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 recently mailed Transunion a letter disputing items appearing on my credit report, which they maintain. Transunion response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Transunion response is ludicrous. 
Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term.I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. Transunion is still bound by the 30 day investigation period which has now lapsed. Please remove the following items : 1. This account resulted due to identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. This account resulted due to identity theft. 
XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

4. This account resulted due to identity theft. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
I demand Transunion conclude investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made. 
I'm VICTIM 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 explanation
Consumer complaint received 2015-11-03
Company: CSO Financial
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a summons and complaint from a process server stating I was being sued by CSO Financial , Inc. C/o XXXX XXXX XXXX ca bar # XXXX. I was server at my place of residence where I have resided for almost two years. Attached to the complaint is a letter mailed to a address other than mine. I never received and letter to my place of abode. The plaintiff never attempted to resolve this matter without taking action, but false claims to have in there complaint. The current and original creditor is n't listed on any documents and again no documents or communication was made with me. I was denied my rights to dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX has damaged my credit and I know no knowledge of this debt. They have not provided any documentation proving I owe this debt. 

I will need dates, my actual name, and signature authorization to this amount of debt owed. 

If not I ask they please cease all actions to destroy my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: Herbert P. Sears Co., Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Just used XXXX to get my credit bureau report. Had a debt from XXXX showing up as unpaid and with a collection agency. I contacted the collection agency who provided me with the information to contact XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX, ( XXXX ) XXXX or ( XXXX ) XXXX, XXXXXXXXXXXX. I contacted XXXX and they said it was for an urgent care visit in XXXX for my son and since he is on my health insurance I was the guarantor of the debt. I have lived in XXXX for 11yrs and have not lived in XXXX since XXXX. I divorced my ex-wife in XXXX and our son XXXX lives with her in XXXX. XXXX said they mailed the bill to her, but when she called them they had a wrong address on file. We have both asked them to have this removed from my credit bureau when we pay the bill ( which is not a problem at all to do ) and they are refusing. The problem is NO ONE was ever notified of this debt, my ex-wife or myself and yet they are refusing to fix my credit bureau when I was not party to the debt or even took him to their urgent care facility. I feel as though I have been victimized and have a derogatory mark on my credit bureau with a date of removal of XXXX when I was never given the opportunity to pay the debt. Please help me as I am working to secure a loan to buy a house which is why I pulled the credit report to begin with.

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 2015-10-18
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I withdrew {$100.00} from an ATM on XXXX/XXXX/2015 at approximately XXXX. The money jammed as it was dispensed however, and I only received {$80.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-10
Company: Madison Management Services, LLC
State: HI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in foreclosure since XX/XX/XXXX and I have been in and out of court. I am trying my hardest to keep my home. At that time my mortgage was being serviced by XXXX XXXX and the owners were XXXX XXXX. During XX/XX/XXXX my loan was transferred to XXXX then to XXXX, then XXXX XXXX XXXX, to XXXX, and now its at Madison Management Services. I am currently working with XXXX, a HUD approved counseling center. I have applied for a loan modification and each time they say they have not recieved my modification packet. My case worker at XXXX is trying to get in touch with Madison Managment but she is being told she needs to contact XXXX XXXX XXXX but we were told that it was transferred. I dont quite know whats going on. I am not sure if mortgage companies can keep transferring. I also do n't know who owns my loan. I have been submitting my personal information to all these companies and I 'm not sure if I should be. Can someone please call me to advice me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was denied credit for a vehicle, the reporting agencies were XXXX and a reporting agency that I have never heard of, which is Sagestream , llc XXXX CA XXXX. Phone number XXXX. My credit score with XXXX was 618, compare to 551 with Sagestream. I have tried several times to contact them by phone to get a copy of what they are reporting on my report and was not successful. 
With the other credit reporting agencies that have been around for a while they have a automated service to get my information, but with Sagestream they will only respond with the mail and several copies of all kind of personal information. Why are they different from the other reporting agencies and make it very hard for me to get information that they are reporting on me as a consumer, that does not seem far to me, and it is already upsetting to be denied and then fight for information about yourself too. I would like to file a formal complaint on Sagestream, because XXXX has set the standard on how someone can get a copy of their credit report and someone I do n't know can come in and change the standard. I thank you so much for helping me get this matter resolved. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 accounts, addresses and inquiries listed on my credit report that are not mine.

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 2015-10-12
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
While checking my personal credit report, I noticed XXXX Employers listed as XXXX and XXXX on EXPERIAN credit report. I have never been employed by these companies. I am requesting that EXPERIAN immediately remove these names from my credit file, listed as my previous Employers on my credit report immediately. I have attached a screenshot of the incorrect information listed on my credit report from XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Opened an account with syncrony bank made payments. Missed one or two payments in 2014 because of XXXX and after that all my payments made were not bring credited to balance. I 'm a XXXX XXXX vet trying my best to get out of debt syncrony is the only one that 's been reporting delinquency on my credit reports. Tried calling them to settle but to no avail. Please help me resolve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Per company : This is the third complaint in regard to this debt. We sent the our first notice, being the " model notice '' on XX/XX/22 to the same address as on this complaint. We made XXXX more additional attempts prior to credit reporting. The first contact from XXXX XXXX was the first CFPB complaint on XX/XX/22.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: NC
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 have hard inquiries on my Experian credit report that I did not authorize. I've sent letters and called this bureau to inform them that these inquires were not made by me but they are still on my credit report. The inquires are as follows : Experian Business Cred Experian Business Cred 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 2016-05-07
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been making extra payments on my Nelnet serviced loans since I started making payments. My minimum payment is like {$120.00} a month and I have been paying {$200.00} a month. I just figured out they 've just been advancing my due date and applying the extra payments equally to my XXXX loans. XXXX loan has an interest rate over 6 % while the other is like 3.5 %. When I called them, first they told me that 's the only way to do it. Then they told me they do it that way to help me pay over my smaller loan ( with a lower interest rate ) first. 

There is no way to change the application of the payments online and you have to dig through the help to find out the only way to do it is contact them. I emailed them, did n't hear anything back and it took me a while, some yelling and 4 holds to get the folks on the phone to change it moving forward. 

The effect is they 've charged me a ton more in interest on the XXXX I have overpaid that went to the 3.5 % loan instead of the 6 % + loan ... it 's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Source Receivables Management 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 have disputed the inaccuracies on my credit report that Source receivables is sending to XXXX and XXXX. One example is that they are reporting Date Last Active as XX/XX/2022 I have never been active on this account. They are violating the FCRA laws. Also, I need validation of debt. I have never signed a contract with this company or owed this company one cent. I would like for you to investigate this matter. I need some legal documentation with my signature stating I owe them and the exact amount. I am going to file a complaint with the state attorneys office if they don't remove it by next week. Thank you in advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My JP Morgan Chase was modified on XXXX XXXX, 2013. While I signed the documents, I realize that I was desperate in an effort to avoid foreclosure. I now believe that the fees added to my original loan was excessive. My original mortgage balance increased from {$180000.00} to {$220000.00}, approximately {$36000.00}. The condo is even more underwater & over market value now, by at minimum {$80000.00}. Afterwards, JP Morgan Chase sold the mortgage to XXXX , XXXX ( loan # XXXX ). Please investigate this matter to have them explain the excessive fees. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: ESCALLATE, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had medical insurance at the time and it should of been covered. It has been since XX/XX/2011. I would like it 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 2022-11-12
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
logging in-then keeps saying unable to get to this website -- -- -- -- ive done with this XXXX bank once and for all please close them down

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 2022-11-12
Company: Louisiana Recovery Services Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this XXXX  XXXX XXXX  did not and was informed to contact both XXXX  and XXXX to get this paid

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 2022-11-12
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX did not resole the dispute in 120 days, XXXX XXXX XXXX did not contact my XXXX XXXX XXXX XXXX and XXXX to get that debt paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have only XXXX phone number As I look on my Experian, XXXX and XXXX I see unknown phones that doesnt belong to me the only phone number tha should be listed is 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 non-monetary relief