BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
State: TN
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:
The complaint involves Equifax ; XXXX  and XXXX. The attached complaint outlines the particular instances wherein each reporting agency refuses to make corrections, damaging my creditability and interfering with trade.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: ARS National Services, Inc.
State: CA
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:
Received calls from this ARS National Services from multiple phone numbers on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( 2021 ). Phone numbers include XXXX and XXXX. 

They never leave a voicemail. 

When I called the missed number, each time the rep says " thank you for calling ARS National Services, '' says the call is being recorded, gives their name, and asks for reference number. 

I have never received mail from a debt collector or any reference number. 

When I asked why they keep calling, they asked me who I was. When I didnt tell them they stated they were a company that deals with personal information and could not share why they were calling. 

The rep gave no information at any point when I requested validation and verification for who, what, and why they were calling my number. 

The rep is also on recording lying twice that they did not even have my phone number in their records and could not explain how come I had multiple missed calls from them then. 

I stated I believe they have the wrong contact info and to remove the number from their call list. He stated he would ask his supervisor about removing the number from their records ( which he had already claimed they didnt have on record ). 

The calls have persisted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Earlier this year I opened a secured credit card with Capital One after closing another account with a lower credit limit. The reason I closed the latter account was because Capital One constantly stopped me from being able to use my credit card because I was paying the balance on the card via my brokerage account. The first time the account in question was restricted by Capital One, I submitted them the paperwork to prove the account I was paying the card from was indeed an account owned by me. After waiting the two weeks to get the account unlocked, I continued to use it and pay the balance from the same account. Not much time passed and Capital One again locked my account from being used for the sole reason that I was paying the balance off. Instead of constantly proving my account was mine, I decided to close that account and open another one, this time a secured credit card. The security deposit for this credit card was {$840.00}, and I paid the balance from the same account, this time using the debit card associated with that account. Not too long after paying the balance on the card, Capital One again locked the account because they wanted to verify the account I was paying from was mine. I submitted the paperwork to them, again, to prove I was the account owner, and waited two weeks for them to validate it and unlock my credit card. After two weeks of having a locked credit card against which I had submitted an {$840.00} deposit, I decided to close the credit card. I had already gone through verifying the account I was paying from was indeed mine, but apparently Capital One decided to ignore that and have me jump through meaningless hoops to be able to use the credit card again. The credit card was closed on XXXX XX/XX/2021, I was told XXXX XXXX 2021, 15 days after the card was closed, I would be sent a check for the security deposit, less the balance on the card ( {$35.00} ). No such check has been sent to me. 

In the company 's first response, they stated they're waiting for me to prove to them again that I am the owner of the account that my payments were coming from. Something I've already done. This should not be a requirement for them to send me back money they have that is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2015-08-03
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX in error submitted a negative notice concerning my final mortgage payment and while promised to reverse this negative report 75 days has passed and my credit report remains adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
HELOC monthly loan payment adjusted from {$130.00} to {$440.00} in XXXX 2016. We were experiencing excessive obligations/household expenses prior to the payment increase which caused delinquency, but the SLS payment increase made the situation even worse. I submitted an assistance package to SLS explaining the situation including supporting documentation. After it appeared the modification request was in process additional documentation was requested and provided ( same day ). Over a two week period I attempted to reach my single point of contact on at least XXXX occasions with the only option being to request a callback. Once I spoke with the contact ( XXXX-5 times ) it was unclear what was still required. It only stated " Hardship Verification '' and my single point of contact had no idea what was needed. She was never able to advise or follow up to let me know what the underwriters were looking for. I called today ( XXXX ) and was able to access another SLS employee ( first time I was ever able to reach a human when calling ). Was on hold for XXXX30 minutes while she tried to confirm. Finally she advised the increased HELOC payment was not sufficient to justify a modification or other form of assistance. I offered to send in billing statements of all my other obligations to show/prove the excessive obligations but the SLS employee advised " that wo n't work because your already said the increased SLS payment was the hardship & per your loan agreement the payment adjustment itself is not a hardship. '' It is becoming painfully obvious SLS is a predatory lender who has no intention of providing assistance, including loan modification, for a distressed consumer. I am going to submit billing statements of my current obligations as a last ditch attempt to beg for a modification. We are currently XXXX60 days past due and approaching foreclosure status ( at 60 days they have typically sent a foreclosure threat letter ). We feel that if the payments were closer to the original amount, or even slightly higher, we could regain our financial footing. Please help.

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 2016-12-28
Company: McCarthy, Burgess & Wolff, Inc.
State: MD
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:
XXXX referred an alleged debt to a collection agency and the debt was not discharged in their favor. The have subsequently sold the same account to XXXX other collection agencies. 

I am being harassed by these companies for a debt that has been settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX ) .XXXX XXXX XXXX Account XXXX Must be deleted XXXX ) .XXXX XXXX XXXX XXXX Account XXXX Must be deleted These are Fraudulent accounts and are reporting on my TransUnion credit report for more than XXXX years. By law, credit bureaus are only allowed to list negative items for only XXXX years. These accounts Must be DELETED NOW.

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 2021-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My personal identity and personal information is under a suspicious authority in fraud and theft targeted at my personal BANK OF AMERICA BANK ACCOUNT, this suspicious authority maybe the IRS INTERNAL REVENUE SERVICE or SOCIAL SECURITY ADMINISTRATION or OUTSIDE ORGANIZATION in invading my privacy rights in tampering with my personal identity and personal information in my BANK OF AMERICA BANK ACCOUNT,,,,

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 originally opened an account with XXXX, a XXXX credit card. Charges made on the card was not all my charges and XXXX was aware of that. The account charged off and let XXXX collection team the account had a {$0.00} balance and the account was sold to another creditor. If this account was charged off and sold this account shouldnt be reporting on my credit report at all and if its going to report it should show completely charged off with a {$0.00} balance.

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 2020-04-15
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is an outstanding debt on my XXXX  XXXX report that has been paid. It is from TD Bank. I have documentation from TD Bank that the outstanding debt has been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The Credit Bureaus never did a proper investigation according to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They did not do this Also they have violated my rights even more In accordance with the Fair Credit Reporting Act everything has to be 100 percent accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal. 
They also violated the law because according to 15 U.S.code 1681 1.section 602A State : I have the right to privacy 15 U.S. code 1681 section 604A States : it also states a consumer reporting agency connot furnish a account without my written instructions I did not give anybody written instructions Delete all inaccurate accounts

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 2020-04-15
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Checked my credit report on XXXX XXXX. Found two NEW accounts listed as New Account XXXX XXXX XX/XX/XXXX. This information is being reported by Commonwealth Financial Systems of XXXX XXXX, PA. I called and was told that these two accounts stem from two XX/XX/XXXX collection bills yet they are being reported NEW as of XX/XX/XXXX. This is an attempt to re-age this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received an Amazon.com Rewards Visa Card in the mail last week ( home address ), and realized that I had NOT applied for this. I called Chase number on card and reported the mistake and they said this was identity theft. We cancelled the card, and I now have gotten a POBox to receive all sensitive mail, and had to alert all other creditors about the identity theft. I put a fraud alert on my credit reports, and am now checking those reports for accuracy. Not sure of what else to do - but was told to report this here to CFPB. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-25
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card
Issue: Billing disputes

Complaint:
Got a bill for a credit card I never received. Bill is for 3 years ago that just came in today 's mail.It is from PAYPAL CREDIT,XXXX XXXX XXXX, # XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX. The company never stated before using them on XXXX, that an an account was established with a XXXX digit credit card # and consumer has to pay for the service monthly. I used it a few times 3 years ago and got a bill for it of {$130.00}. THIS IS CORRUPT AND UNFAIR! I WANT THIS REMOVED AND GET XXXX BALANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Triton Management Group, Inc
State: AL
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 have an installment loan with Always Money in which I pay off on line. The payments are due the XXXX of the month, and II paid the XX/XX/2017 payment on XX/XX/2017 via debit card with a confirmation. I did receive an error message that the balance could not be updated. My bank stated that it cleared on XX/XX/2017 ; however, this store manager keeps calling me -- several phone calls on caller ID which I thought was telemarketing calls. Today, I answered the number and it was this store manager stating that I must pay on my loan because there is no record of my payment for XX/XX/2017 and that I am in default. I, immediately, stated that I should do a fraud alert with my bank because someone within Always Money must have taken it, and he stated no with a condescending-superior attitude. I stated that it was cold in my home -- heat pump problems. He wanted me to go out to the bank and do his research, but I refused. He kept stating that there were several banks in my area and I must go get a printout from the bank. I had just gotten home, my house was cold, recently completed XXXX, and he wants me to go out again driving on these icy roads to fix his problem. He then stated that a missing payment will hurt my credit, and I am thinking " why is he saying this to me '' because I always make my payments online and on time. I explained to him that I, also, have medical issues, and he stated that " you have all kinds of problems. '' I abruptly hung the phone up and tried calling corporate but call went to VM. I then called the XXXX, AL location and the manager there stated that she would research the problem and that it is not up to me to research the problem. This store manager in XXXX, AL is abusive, unprofessional, and not good at keeping records because the payment was made on XX/XX/2017 and cleared my bank on XX/XX/2017. Always Money should not be harassing me and criticizing my medical issues.

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 2016-01-07
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
As far as remember i did not recall apply for such loan or either receive one.But for some reason i have received an email about an arrest warrant for that loan i was never contact either by mail or by phone from such company.All over sudden they told me i owed the {$1000.00} which i did not get from them. Unless its a problem of identity theft, cause this letter sound like threat to make me pay something i never had from them.Your help in this matter is very important to me cause i really do n't know and understand that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-06-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
{$1500.00} XXXX XXXX billing sent to collections, while in talks with original billing company. When I first received a call from Wakefield attempting to collect on outstanding debt on which they added {$300.00} of interest to. After a couple of phone conversations with Wakefield, within the first month of the first contact with them, Wakefield asked that I send in a formal dispute with name, explanations, offered amounts, ect. I faxed the letter next day as well as certified mailed a copy to them, which they received two ( 2 ) days later. I never received one more phone call or mail correspondences since, and still have not to this date. 

Not until I had my credit report run was that it has been brought to my attention that I had a outstanding collections on my credit report from Wakefield, which has been active for 8 months, and is noted as under dispute. 

But Wakefield never responded to my dispute letter ( faxed & cert mailed ) nor have they ever contacted me again to collect. 

Note : I never said that I did n't owe anything, my insurance company first billed this as " IN-NETWORK '', showing I owed {$170.00} that was rejected by original medical billing company. then insurance billed at member rate for " Out-of-Network '' that was rejected. I did n't choose my anesthetist for my procedure, I did choose a IN-NETWORK doctor and Medical facility to have it done. I was firm in my dollar amount that I considered fair for the outstanding bill from the very beginning with both the original biller as well as Wakefield & Associates. 
Never was any document provided stating that Wakefield had the right to add interest to the amount, & XXXX response or follow-up regarding my dispute letter faxed/mailed. Then reported the debt to the credit bureau and has never made any contact attempts since disputed eight months ago.

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 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The collection account with XXXX XXXX has been on my credit report for over seven years. The collection was last reported on XX/XX/XXXX as being opened in XXXX of 2014.

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 2018-05-30
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX to some credit collection agency yet they aren't on my credit report from 2012 .. My go bill should handled everything yet dept ed.. Sallie Mae loans are all in great standing s right now.. I'm a veteran trying to accomplish my goals and achieve my degrees. yet I have proof these companies were charged off

Company response to consumer: Closed with explanation