BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-11
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 Days late as of XX/XX/XXXX I am  not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2017-04-17
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have gotten divorced and my husband and I contacted the VA in options for what to do so that he could be the only one on the mortgage. The VA advised us to complete a "  Release of Liability '' once the divorce was finalized and I had completed and had a quit claim deed filed. I completed all that, and the  VA advised me that by law, the mortgage company had to remove me from the mortgage due to federal regulations and the fact that they were bound by the laws of the VA. The VA approved my release of liability. I provided all this to Everbank in which they just kept telling me I had to refinance and they refused to use my name.  XXXX  and  XXXX  in  Client Services proceeded to b elittle me and explain what a mortgage was and that I did n't know what I was talking about. They refused to check the VA handbook and just told me that my request was denied. I went back to the VA who provided again proof that they had to remove me, and they are still refusing even though I showed that them that they were required to by law or could face repercussions. They still refuse to remove me, even though the law and regulations say that they have to. Everbank has all the required documentation, including the VA approval letter,  the Quit Claim deed, my  Dissolution of Divorce etc. I am being harrassed to re finance because they want to meet some sales goal or make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: WHEELS FINANCIAL GROUP, LLC.
State: MO
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:
The account was charged off in XXXX XXXX but the company continues to report delinquent payments in the amount of {$360.00} every month and increasing the account balance. 
I called XXXX and sent a letter on XXXX XXXX, XXXX, requesting that they remove the incorrect information from my credit files. They changed the account status to closed but they continue to report delinquent payments to XXXX and XXXX each month. 

I also sent a letter to Equifax and Experian notifying them that the information is inaccurate and requested that it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: I.C. System, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am purchasing a home &amp; 30 days prior to closing, my credit is run again and an account with  IC Systems appears as  a new collection account opened in   XXXX   XXXX   for {$530.00}. I called IC  Systems many time s trying to identify where they were getting their information. I knew I had n't opened anything ... I was trying to close on a  home &amp; this  was preventing it. They gave me the line ... '' this is an attempt to collect a debt ' &amp; only wanted to know how I was going to take care of it. I explained this had to be a mistake because I had n't opened anything. They said what they reported they received from the creditor. On another call to IC  Systems, I ag ain try to explain the information they are reporting is not accurate. I again, am given the " this is an attempt to collect a debt '  line &amp;   how would I like to pay '' line and If I do not like what is being reported, I can go through the bureaus and dispute it. On my  3rd  to IC Systems, they again give the " this is an attempt to collect a debt  ' line &amp;   how would I like to pay '' line and I am trying to plead my case to them that the information is not accurate &amp; they are costing me my home. They say if I just go ahead a pay it, they can update with the bureaus over the weekend and it would show paid on my credit reports the following week, as paid. I find this more than frustrating. After more investigating, I discovered  XXXX  collection accounts on my credit report from   XXXX - XXXX  f rom the same creditor equaling the {$530.00} that had been removed in   XXXX  . I called IC Systems for th e 4th tim e and again get " this is an attempt to collect a debt  ' line &amp; h ow would I like to pay '' I am furious because now I know this information is being reported inaccurate for sure. I asked how they could report that information to the bureaus knowing it was false. They again tell me to pay or dispute. I also went online to their website on   XXXX   &amp; filed a complaint there. It said someone would contact me ... still waiting. I then called  XXXX   XXXX  in hopes they would clear this up. The representative confirmed it was from   XXXX   but maybe it was sold or something to another collector. I asked that they change how they reported that &amp; she said they could n't because it was sold ... wow!   No help ... Truly &amp; helplessly unreal!

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 2017-08-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I brought a XXXX XXXX airline ticket using my American express credit card for my dad. on the departure day, we went to the airport so my dad can take his flight. but the airline refused to issue him a boarding pass and never let him take the flight. so he could not use his tickets. I reached out to American express to resolve the dispute and get my money back. American express asked me to provide a written explanation of event and what happened. I provided the written letter 3 times now to the American express but every time, American express close my case without resolving it telling me that I never provided the written letter. every time I upload the docs to American express site, I reach out to American express and verified that they did received my letter. now after 4 months, the issue has still not been resolved and I am being billed again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-19
Company: Experian Information Solutions Inc.
State: MN
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 am filing a complaint with you in regards to Experian. I have filed multiple disputes on two US Dept Of Education Loans reporting to my file that have ruled in my favor now four times. 

The account has been closed after the dispute. 

What I am disputing is Experian 's reporting method. 

Before the most recent dispute I was at a XXXX on my credit score. 

After this company fraudulently reported information to my credit report it changed to XXXX. 

After the dispute was approved and found in my favor my score changed to XXXX. 

This issue has cost me dozens of points in my score and is not the first time that this has happened.

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 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 am filing a complaint with you in regards to XXXX. I have filed multiple disputes on two US Dept Of Education Loans reporting to my file that have ruled in my favor now four times. 

The account has been closed after the dispute. 

What I am disputing is XXXX XXXX reporting method. 

Before the most recent dispute I was at a XXXX on my credit score. 

After this company fraudulently reported information to my credit report it changed to XXXX. 

After the dispute was approved and found in my favor my score changed to XXXX. 

This issue has cost me dozens of points in my score and is not the first time that this has happened.

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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I come to you yet again in the hopes that you will actually do your jobs and hammer these XXXX XXXX XXXX XXXX credit bureaus. Sorry for the aggressive language but I am XXXX tired of having my life XXXX  because people don't do their jobs!!!! 

The Following collection Amounts were ALL PAID IN FULL OR SETTLED FOR DELETE. XXXX  AND TRANSUNION ESPECIALLY HAVE NOT UPDATED A XXXX THING. I AM TRYING TO GET A XXXX  XXXX MORTGAGE AND NEED IT DONE ASAP!!!!!! 

XXXX  XXXX {$120.00} paid in full for Delete XXXX XXXX. {$170.00} Paid in full for Delete XXXX XXXX. Original {$450.00} Settled for Delete XXXX. Was {$150.00}. Settled for Delete There should literally be NO COLLECTIONS on my reports anywhere anymore. I PAID AND OR SETTLED EVERY SINGLE ONE OF THEM FOR DELETE.!!!!!! GET THEM THE XXXX OFF NOW! PLEASE!!!!!!!!!!!!!!

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 2019-12-19
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
back XX/XX/2018 I paid off my XXXX, paid my FINAL bill, and closed my account all in the same day. I do not owe anything to XXXX XXXX XXXX. Looks as if thry did not close my account and still was charging me. I have caller numerous times and never got anything resolved. I have attached screenshots showing all payment and message stating my account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
This complaint about Money Gram.on XX/XX/XXXX I did sent {$1000.00} to XXXX XXXX ( to my wife ) from XXXX XXXX XXXX. 
The reference number is XXXX. 
My wife ( in XXXX XXXX ) went to money gram agent and requested the money I had sent under the above reference number but the agent in XXXX XXXX says there is no money under the reference number. Then I called ( several times ) to money gram agent and asked what happened then agent said they want to investigate ( or find out ) who is the receiver and gave some phone numbers to contact from XXXX XXXX but non of the numbers are not working and all the money gram agent my wife went were saying the numbers have given not working and further said the money gram trying to hide something that do not want to tell us. 
I did called several times to money gram and one agent says they want to give my personal information to the government body hear in US then I gave my all the information to the money gram, after that they say they want to do same thing with my wife but never give correct phone numbers or address to contact in XXXX XXXX. 
Money gram involves with this complaint. 
I have sent money through money gram since last four year never expected like this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Brock & Scott, PLLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Brock & Scott cancelled a foreclosure sale XX/XX/19 and told the CFPB that it did so. 

It is still listing the foreclosure sale on the following sites : http : XXXX https : XXXX https : XXXX I have asked the debt collector to confirm the cancellation and have yet to receive a response. The sale was cancelled because the foreclosing party did not have the legal right to foreclose. 

The debt collector has informed no one that the alleged debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/2020- A background check was submitted with First Advantage and per the client suppose to be back with 24-48 hours in order for us to retain a position. However, First Advantage has been taken advantage of the COV19 situation and, has picked certain people to conduct background check once you up load the picture. They have cost me 3 different clients and each time I lose one another background has to submitted. The supervisor claims more than one person is working on the documents and the courthouses are closed. I told her, " The courthouses are online! '' So, First Advantage is just picking people base on other features and costing me more than {$2000.00}. Their name should be " CANT GET RIGHT '' ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: FORD MOTOR CREDIT CO.
State: SC
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 found that I was a victim of identity theft after my wife passed away in XXXX. I found that the identity theft I had gone back into the XXXX. I have alone currently with Ford motor credit, I started that loan in XXXX. There were no issues at that time. I want to trade in my vehicle for a XXXX XXXX. Here is where and account was opened in XXXX by a person with the different 1st name different middle name different address different phone number different work information different email address. The police exceptionally cleared me from death of the offender in XXXX when I 1st became aware of that account. Ford has now chosen to be arrogant and wrong full and deny me any type of appeal process because they claim they have internal documents and stuff they found on the Internet that goes against a court finding and the police finding. This is not only wrong it's completely false and it's because of the identity theft that it even exists. They will not talk to me about it they refuse any type of contact they want me to spend money to go to court and hire an attorney when they are simply wrong and they don't want anybody else seeing it. They know their position is weak and they don't have any proof because when I asked for the documents they used to go against the court and the police they told me I had to subpoena it. That is wrong and it is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: GA
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 XXXXXXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have an inquiry on my consumer report that should not be there XXXX  XXXX ( XX/XX/2022 ), it has been on my consumer report for about a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Kimball, Tirey & St. John LLP
State: CA
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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Kimball Tirey & St John for committing identity theft. I have never given Kimball Tirey & St John any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any type of documentation requesting validation from Kimball Tirey & St John before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Kimball Tirey & St John can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Kimball Tirey & St John can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Kimball Tirey & St John continues its collection efforts, I will file for litigation for actual damages caused and Kimball Tirey & St John will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a company called " XXXX XXXX XXXX XXXX reporting a collection amount of {$880.00}, and they are NOT reporting this account accurately, because it is reporting on my credit report under a middle name spelled " XXXX ''. That is not me and that is not my name, and I don't remember this alleged debt, and they are NOT suppose to be reporting late payments, because this account is labeled as a collection. Even though they are reporting late payments for the month of XXXX, XXXX, and XXXX of XXXX. Also, I sent a validation letter to this account on XX/XX/XXXX. This company was NOT able to validate this account. It has been very stressful and I have even sent an " Affidavit of Truth '' along with a " Cease And Desist letter on XX/XX/XXXX and they have had plenty of time, over 30 days ago to fix this problem, but they STILL haven't. I also sent a " Reinvestigation Request Letter '' to " XXXX '', " XXXX '', and " Experian '' on XX/XX/XXXX and I STILL have not received any reply from them.

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 2019-12-19
Company: Michael Wayne Investment
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2022-04-30
Company: EQUIFAX, 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 am a victim of identity theft. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me.

Company response to consumer: Closed with explanation