BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: Bristlecone, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with a representive from one road lending who tinted my windows for about {$400.00} dollars and made me apply for a loan for {$2000.00}. 

I was let on payments and they sent my account to XXXX XXXX  who is charging $ XXXX plus for debt collection. 

XXXX ( XXXX XXXX XXXX One road lending XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-06-12
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a bill for a purchase made at a XXXX store on a credit card issued by Comenity Bank. The payment was due on XX/XX/2019 and I mailed a check in the amount of {$28.00} for the full amount of the purchase to Comenity bank on XX/XX/2019. The check was made for the full amount of the bill. On the following month I received a bill in the amount of {$28.00} for a late payment fee. I called Comenity Bank and explained that the check was mailed in time and that they should not charge me a late fee. I agreed to pay a reduced late fee of {$11.00} even though I explained to them that the check was mailed on XX/XX/XXXX, that they should have noted the posting date on the mailed envelope, and that they should have marked the payment received prior to the due date irrespectively of when then received it. I paid the {$11.00} late fee on XX/XX/XXXX which was the due date on their bill. The following month Comenity sent me another bill for a late fee of {$30.00}. I called them again to tell them that I would not pay their late fee because it was paid electronically on the due date. They would not accommodate me. I cancelled the card and told them again that I would not pay another late fee on a late fee that I should not have received in the first place. Since then they have been billing me a late fee on a monthly basis and now I have a bill in the amount of {$270.00}. They have been harassing me, sometimes calling me as early as XXXX on weekends. They have damage my credit report that was at XXXX points with only one late payment in 10 years. I called Comenity again and told them that I would not pay the late fees and they propose to reduce the bill to {$130.00}. I told them, no thank you, and that if they didn't cancel all of my late fees I would report them to CFPB. The Comenity Bank representative did not seem to be concerned with my threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: URS Holding, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2015 I called spoke with XXXX XXXX of United Recovery Systems and agreed to pay the full settlement amount of {$620.00} which would close out the account completely. On XXXX XXXX, 2015 I called and spoke to XXXX XXXX on why the account is not closed and she explained to me that there is a remaining balance of {$400.00} due on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD that equal XXXX XXXX from my Cash App account to fraudulent investment firm

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: ERC
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 is not mine

Complaint:
In XXXX, I turned in all my equipment to XXXX XXXX and paid all balances due ; I was not late nor did I owe and past due billings. I even ask the CSR if there would be any further billing. Two months later I received a {$60.00} bill, I immediately disputed the bill. Six months later it showed up on my credit report. I disputed the bill and it was removed in a timely manner. 
IN XXXX XXXX XXXX turned the bill over to Enhanced Recovery Company of XXXX, FL. I disputed the billing immediately. Instead of investigating or contacting me, they files a collection on my credit bureau reports and that decreased my score substantially. 
I have sent ERC a letter to have the item removed and I have had no success. I need your help with this matter as this is unfair and incorrect and should be removed and finalized and I should not have to deal with this every few years over and over.

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 2020-06-12
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX. ( Please see page attached from my credit report. ) It is a violation of the Fair Credit Reporting Act ( FCRA ) to report a duplicate account showing a balance. I contacted XXXX and they can not access to this account and they can not locate any current account information. ( I have attached a copy of my correspondence with XXXX for reference. This XXXX account needs to be deleted from my credit report. This duplicate reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to fix this however, I have not been successful.

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 2019-02-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX19 I was charged XXXX 2 nsf fees XXXX each XXXX19 I was again charged XXXX NSF fee in one day I was charged XXXX in NSF fees for items I never received from XXXX on XXXX19 I was again charged XXXX for a stop payment fee on XXXX on XXXX19 I was charged XXXX again for 2 overdraft charges the charges Wells Fargo is trying to charge me overdraft fees I didn't overdraft I had the money in my account to cover them. They kept my state income taxes of XXXX because they say I was overdrawn and currently Wells Fargo is still claiming my account is overdrawn by XXXX. I have called into Wells Fargo 4 times concerning theses charges 2 times I have spoke with the fraud prevention department and 2 times with employees the last time I called in the woman was extremely rude and unwilling to help me or listen to me tell her the reasons y my account wasn't negative. Why is it Wells Fargo can commit fraud and because they are a bank get away with it that's not right if legally a bank can commit fraud and mess with your money and accounts why can't the rest of us get away with fraud. I'm unemployed I don't have a steady income so what ever money happens to be deposited into my account is the only money I have. It's not ok for a bank to take it for XXXX reasons just because their greedy CEOs want to line their pockets.

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 2015-04-06
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
HERE GO ANOTHER PLACE THAT I HAVENT GOT A CLUE WHERE IT FROM. I SENT THESE PEOPLE A LETTER TOO BUT THEY PUT IT ON MY REPORT AND KEEP ON CALLING. IT NEEDS TO STOP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: EQUIFAX, 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$3300.00} XXXX XXXX {$710.00} XXXX  XXXX {$410.00} XXXX XXXX {$1500.00} XXXX {$500.00} XXXXBANKRUPTCYDISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Riverwalk Financial Corporation
State: LA
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:
Deville Asset management is reporting on my report in the amount of XXXX XXXX I assume its for another company but i have never received a dunning letter in regards to the debt or why they are on my report. I would like to know why they are reporting on my report without first notifying me and to provide sufficient legal documentation in regards to this alleged debt. I only noticed them on my report from pulling it a while ago and then they were gone but now they are back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Experian Information Solutions Inc.
State: FL
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: Problem with product or service terms changing

Complaint:
Good Day- I am writing this letter in reference to XXXX XXXX. This account does not belong to me. This is fraud. XXXX removed this account from me due to the fraud /Enhanced recovery purchased this debt while XXXX was very aware that this was indeed fraud. Please remove from my credit report and send me a letter to indicate that it has been removed and my credit report has been reflected that it has been removed. I am tired of having to contact you over and over when you are aware of the fraud.

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 2017-01-26
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reported to ALLY numerous times concerning false information. ALLY has failed to provide proof of the information they are reporting as a debt

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 2020-06-12
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with a representive from XXXX XXXX XXXX  who tinted my windows for about {$400.00} dollars and made me apply for a loan for {$2000.00}. 

I was let on payments and they sent my account to Monterey financial who is charging $ XXXX plus for debt collection. 

XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Monetary financials

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The debtor is currently in the process of short selling her home. During the preliminary Title review, XXXX abstracts of judgments were found by FIA card services. Title contacted Attorney that file the Judgment and was informed that they no longer represent the client and that is now been serviced by Bank of America. We contacted Bank of America requesting a demand to settle this judgment and obtain a release. As a response we received a demand letter for {$6400.00}, however, in that demand there is not sufficient information to verify the following : 1 ) that this debt, in fact, is the ones mentioned on the judgements attached to the property 2 ) that in fact this amount will settle the XXXX judgments attached to the property. 3 ) that upon receipt of payment this company will send to debtor Acknowledgement and Satisfaction of Judgments 4 ) that Bank of America is the representative for FIA Card services. 
Since XX/XX/XXXX2016 we have been attempting to obtain the above clarification. Again and again, we have been informed to fax our request to the Legal Department handling this account. We have done so on multiple occasions. On XXXX I received a voicemail from the legal operations department stating that the demand we received is the only demand they use and that once they obtain payment they will further follow up on my request. As my supporting documents will show I have done everything I can to give this servicer the opportunity to resolve this case. Unfortunately, after over 2 months I need more assistance to resolve this issue. I also requested if they can not provide the information requested to provide me a release of the XXXX judgments in question. Today when I called and spoke to the Collections department 's manager and informed him that I need more assistance and will be forced to seek alternative assistance his reply was " do that ''.

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 2020-06-12
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine.These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$700.00} XXXX {$100.00} XXXX {$440.00} XXXX {$87.00} XXXX {$17000.00} XXXX {$9300.00}

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 2016-10-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Sent dispute of account to the credit bureau. They claim they investigated and it was verified even after I had received communication from XXXX that they were ceasing collection and would notify the bureaus to remove the account ( s ). I faxed the CB a request to remove with a copy of the letter from XXXX. The account ( s ) are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Developers of credit scoring models review a set of consumers. The historical credit profiles of these consumers are examined to identify common variables. The developers then build statistical models by selecting the credit variables most predictive of future behavior and assigning appropriate weights to each variable. However Experian will once per month automatically update your Credit Score. Nevertheless since XXXX XXXX, 2016 was the most current update ; noticed that Experian more quickly reflects a decrease in credit score ; but display a longer delay if making an update if your credit improves. Their reporting pattern demonstrates a favor to report Negative information towards the consumers. Businesses pay that a Credit Reporting Agency reflect negative information to collect debt. Their Credit Score reporting patterns have the inferences of discriminatory practices towards who they consider " BAD '' or " POOR '' credit risk consumers.

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 2016-11-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Experian regarding report # XXXX. Experian has removed all of the unauthorized inquiries except for XXXX : XXXX XXXX/XXXX/16, XXXX XXXX/XXXX/16, & XXXX XXXX XXXX XXXX/XXXX/16. 
Secondly the following account is not accurate : XXXX XXXX account # XXXX. In the comments section it states : Debt being paid through insurance. This item remained unchanged from our processing of your dispute in XXXX 2016. 
# 1 this XXXX XXXX account as I advised Experian should not be listed on my credit report. I only have an account with XXXX. XXXX, formerly known as XXXX XXXX. However, all of my Navient accounts are in good standing. The XXXX account listed on my credit report ( s ) includes this same account that is listed separately as a negative unpaid account. This is not true. This is not accurate. # 2 XXXX account # XXXX is listed on my credit report. I contacted Experian about this company as well. I do not have an account with XXXX, I only have an account with XXXX. And my XXXX account shows that. The annoying thing about this is that XXXX conducted an investigation and corrected this issue. Yet it remains on my Experian ... This makes no sense at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been filing a dispute for months for XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX and XXXX acct # XXXX, XXXX has removed all XXXX but Experian left it on, I thought all credit bureaus used the same investigative measures. I sent a letter to Experian letting them know that the other credit bureaus removed it and they sent a letter back stating there information ca n't be based on what another reporting agency has. The account for XXXX XXXX I never lived at the address XXXX XXXX XXXX nor did I ever have XXXX & XXXX, the XXXX acct # XXXX belongs to my son, we have the same first and last name and different ssn, and the XXXX acct # XXXX has been paid in full and I sent a copy of the paid in full letter showing that.

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 2019-12-14
Company: AR Resources, 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: Account status incorrect

Complaint:
AR Resources is attempting to collect a debt for medical services that were either never rendered ( identity theft ), or should have been paid by insurance ( XXXX ). Ive been on state   insurance since 2016. 
AR is impossible to reason with or Id be able to say more. 

Thank You Very Much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My complaint is against Comenity Bank and XXXX XXXX XXXX.I received a notification on my credit report asking if I had closed my XXXX XXXX credit card. The answer is no, I did not. Following this alert I called XXXX XXXX and then Comenity Bank, speaking to several people beginning with XXXX at the XXXX XXXX Headquarters, XXXX, a Senior Account specialist, Employee ID XXXX at Comenity Bank and then finally XXXX at Comenity Bank ext. XXXX that could not and have not answered the simple question of why they would close my account during the covid pandemic. After the credit alert, I received a letter dated XX/XX/2020 stating thank you for contacting Comenity Bank but that my credit card from XXXX XXXX was closed by the bank due to inactivity. As a loyal customer of XXXX XXXX organization, I find this unacceptable. Why would Comenity Bank and XXXX XXXX  choose to close my account during the time of the Covid pandemic when the stores were closed and I was unable to shop on site. I am a XXXX senior and do not shop on line due to my XXXX. As you can see, I have reached out several times to try to settle this issue to no avail. At the very least there should have been a letter of notification prior to this happening giving me the opportunity to use my card on line if necessary to keep the account open or close the account myself.Is there no protection from this type of action? I am very unhappy that this has happened because it is a blemish on my credit which is extremely important to me. I have asked that my card be reopened and was told that that is not possible and I could reapply. This is unconscionable for this to have happened during the Covid pandemic! I would appreciate your help in this matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation