BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
XXXX loan was paid in full on XX/XX/XXXX by insurance company and title was released to insurance company. Gap coverage was selected but was not processed by dealer properly on loan documents. After loan was processed and submitted to Ally Financial the contract was determined to be either incorrectly stated or omitted for Optional GAP contract by dealer. This was not my error and Gap coverage was selected and should have covered the difference and therefore no remaining balance was due. Ally and their collection agency continue to report this as unpaid debt to credit bureau. I have disputed this several times. I phoned Ally Financial on XX/XX/XXXX and the gentleman could not locate my account and stated he was transferring me to an Account Specialist but instead transferred me to their collection agency XXXX XXXX XXXX XXXX. They demanded payment but I did not contact them but was transferred to them by false misinformation.

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 2020-03-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously sent Equifax 3 dispute letters dating back to XXXX of 2019 asking them to remove these inaccurate accounts showing on my credit report. The three items that are left on my Equifax credit report has already been deleted by XXXX. Every time I send a dispute letter into Equifax I'd make sure I'll attach my XXXX dispute results with the dispute letter to show that XXXX has already deleted the items that Equifax refuses to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Account Resolution Corporation
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My father had some medical bills while undergoing XXXX for XXXX. He passed away, and there were XXXX outstanding bills for XXXX. 

My mother had traveled to be with her sisters. I went back to the state I live in. The last of the bills were sent to my parents home. Then a collection agency ( ACCOUNT RESOLUTION CORP. ) based out of XXXX, MO sent collection notices ( to imaging sessions ) to my parents home. Ultimately they filed it under my dad 's name, and his SSN, and address with the XXXX and XXXX. The bureaus then somehow linked that with my SSN and his address. 

I have n't lived with my parent 's in years, different state, address, etc. However, both XXXX and XXXX reported me as having a collections report filed against me - possibly purely based on my name. My mother had kept her maiden name. So more than a year later, I receive an alert saying the XXXX charges ( totaling XXXX {$600.00} ) had n't been paid and I was delinquent. 

I had no idea these charges existed, the collections agency claims to have reported my dad 's SSN and address correctly. The only link was, I grew up at that address as a child. 

Now I have the headache of dealing with XXXX unresponsive agencies who made an incompetent mistake that is on my credit history a few weeks before I 'm applying for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I filed mutliple disputes with transunion regarding the XXXX XXXX account, I stated that the account is fraud, XXXX XXXX supplied me with the original credit application and the application shows that the social security number is different from my own.

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.

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 2022-08-31
Company: EQUIFAX, INC.
State: IL
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:
in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 sec 602 A : States I have the right to privacy 15 U.S.C. 1681 Section 6040Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Mortgage Research Center, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Veteran 's Untied keeps applying my mortgage payments to the principal instead of my mortgage. They also are charging me additional fees that were from the remodification of the loan. The papers are final and have been filed with the bankruptcy courts. They continue to charge me fees and take it out of my mortgage without my permission and making me still in debt with my mortgage payment. They have done this three times. I have filed a complaint with them that I will not pay any fees that are pre modification because the fees were settled and filed in the courts. They are adding XXXX $ and another XXXX charge for every month.

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 2022-03-28
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2022, I identified the collection on my credit report, and call the number listed to settle the debt, I was told by the agent that they would accept a " Pay for Delete '' for the settlement amount. 

I followed up with a payment on XX/XX/2022 via phone with a debt card. However, since then I have been told by Convergent Outsourcing that they do not offer " Pay for Delete '' per the original creditor, XXXX. I have called back in XX/XX/XXXX & XX/XX/2022 to dispute with no success, Convergent says their recordings don't go back that far. 

I have since filed a complaint with my attorney general, XXXX XXXX in the state of Texas and sent via certified mail with a return receipt advising Convergent Outsourcing & XXXX that they are violating my rights under the Fair Credit & Reporting Act ( FCRA ), by engaging in deceptive practices.

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 2020-03-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to the recent COVID-19 guidelines, I was forced to close my XXXX. I reached out to American Express on XX/XX/ to ask if I could lower my monthly payment or have a reduction in interest. I also suggested I transfer the balance to a different card with lower interest and was told I could not do that. It is common for me to spend 10-20k on this card in a month, on behalf of my XXXX, and I have always paid it in full monthly. I have never had a late payment with this creditor. The representative refused to work with me and kept responding with the interest rate of nearly 24 %. I asked if I could speak with someone else regarding the situation and was then disconnected by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Netspend Corporation
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
To Whom It May Concern : I am writing to petition you for assistance in a matter that has caused me grave health and financial hardship, associated with Netspend. I purchased a prepaid Netspend visa debit card at a XXXX 'XXXX  XXXX  in XXXX XXXX, Utah on XX/XX/2020.Subsequent to my purchase, I loaded the card with {$500.00} cash ; and attempted to activate the card, but to no avail. 

The Customer Service Representative said she could not verify me because the address on my driver 's license was a P.O. Box and Netspend apparently doesn't accept P.O. Box 's for verification. 

I asked what could be done. She replied that I needed a Government issued identification with an address, other than a P.O. Box ( to which I do not have ). 

When I asked to speak to her Supervisor, I was placed on hold for more than an hour ( and it was the second time I called to resolve this matter ). The issue was never resolved ; and I still do not have access to my money. Again, this has caused me grave health and financial difficulties. 

Although I am at an impetus with Netspend, I am confident The Consumer Financial Protection Bureau can help me get a refund, or resolve this issue in a timely manner. Thank you, in advance. 

Kind Regards, 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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A checking account with XXXX XXXX  was opened last year. This was disputed ( Case XXXX ) and closed. There is still a personal loan open on my credit report with XXXX XXXX  from XX/XX/22 {$9900.00} account balance. Account number XXXX ( last 4 dont show on TransUnion credit report ) This is another identity theft issue left unresolved for over 8 months.

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 2020-03-23
Company: Affordable Financial Solutions
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid {$170.00} to XXXX XXXX with Affordable Financials/XXXX And XXXX XXXX  for Credit Repair and  Restoration that was never completed then she stopped responding to my emails and phone calls. Not mention she got my credit report locked causing such a headache.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: NJ
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:
I am a natural person, I am a living human being, i have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX written permission to furnish these accounts XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number 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 2016-05-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I experienced identity theft and notified XXXX XXXX, Macy 's, XXXX, Citi and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX, Macy 's and Citi claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the 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 2022-08-31
Company: MECHANICS BANK
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 was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the JXX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Bread Financial Holdings, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
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 have 3 credit card accounts with Comenity Bank XXXX XXXX XXXX, XXXX, XXXX XXXX. Due to the Covid-19 Pandemic I was furloughed from my job and my income dropped 75 %. Because of this I was late 30 days on each of the accounts above for XXXX and XX/XX/2020. I contacted Comenity Bank and made payment arrangements and have been in good standing at that time. At the time of the payment arrangements I was told that the lates from XXXX and XXXX would not be reported on my credit reports. I recently tried to refinance my home and those three accounts do report as 30 days late for XXXX and XXXX which is I was told my Comenity Bank that those would not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To Whom it may concern : Re : Sears Visa Card, keeps calling my home phone number to collect a debt against " XXXX XXXX '' or my wife XXXX. Collection Phone number is XXXX. No caller ID indicating it is a call from XXXX is provided from the callers number, but I have verified that the phone numbers is a Sears Visa Collection Number. 

I have called them several times to tell them we are on the DNC lists, do not have a Visa Card with Sears and to stop calling this number. Every day since XX/XX/2016, there is at least one phone call and a computer animated message left on our answering machine. Other times it is a call and a hang up, no message left, which is disrupting and harassing in nature as I have asked them to cease and desist. 

This is an ongoing attempt to collect a debt, that is not my our own. I have asked them to remove our phone number from their automated system and it still continues as of typing this on XXXX/XXXX/16. Please help as this continues and needs to stop. 

XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The debt was on XXXX separate accounts with Citi Bank and have not had payment activity since 2006. XXXX XXXX evidently purchased from Citi Bank and is reporting to the XXXX Credit Bureau 's. I tried to settle and ask for verification from XXXX XXXX but they have not replied the last correspondence was over a year ago. 
I believe the debt is beyond the statue of limitations for collection and reporting to Credit Bueraus. 
I do not thave he complete account numbers on the accounts. Only the first numbers. # 1 acct : XXXX. # 2 acct : XXXX as shown on the credit report. Credit Buerau indicates accounts being disputed by consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management entered a contractual agreement to remove this account from my credit report in exchange for payment which was cashed by Midland Credit Management on XX/XX/2016. Henceforth, I am attaching a copy of the check which was cashed under the condition that the account was removed in entirety from all the credit bureaus the company has reported this account to. In the event that this company continues to refuse to remove the collection from my credit report, I will proceed to take this matter to the Attorney General 's office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
XXXX/XXXX/15 called XXXX how to do a split transaction using a {$200.00} XXXX gift card I rec 'd XXXX which expires XXXX/XXXX/15 to purchase my ticket for XXXX w/bal. paid XXXX -- got a confirmation XXXX on phone, was told to go to airport in XXXX, XXXX to run 2 cards thru for payment, got a printout of my flights, and XXXX said they were holding the money on the card for 8 days which is totally wrong and illegal but I was guaranteed XXXX that the price and seats would be held till all went thru. Waited till day before my trip to respond to their e-mail to check-in and no e-mail -- they wrongfully canceled all after I had obtained my confirmation # for the trip and then had the audacity to charge my visa an outrageous sum of XXXX for this flight of XXXX XXXX XXXX XXXX companies need to be reprimanded and fined heavily for the grief they caused me over this transaction XXXX. This is reprehensible for these 2 companies to be allowed to conduct business in this way. I would appreciate your strong action and help in this matter. I 've already filed a dispute action obviously with my XXXX card. I never want to go thru this again. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My wife received a phone call from the number I have linked to Midland Credit XXXX. They asked if they had reached me. My wife said no. 

He continued by stating that " this phone call is being recorded and was an attempt to collect a debt for XXXX XXXX. '' I know this is regarding my credit card debt with the store 's credit card, but it 's my business and legally not anyone else 's. 

According to the Consumer Financial Protection Bureau and the Federal Trade Commission, this is a clear violation of my rights and I want their case dropped because they should not share any of my personal information with other people.

Company response to consumer: Closed with explanation