BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Thank you for taking the time to review my concerns. While reviewing my credit report from all major bureaus. Enhance Recovery recovering an unfamiliar debt from XXXX XXXX XXXX XXXX has a collection debt of XXXX. According to FCRA requesting documents to support collection and not a phone bill

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Capio Partners, LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a medical debt from XXXX Hospital on XXXX XXXX, 2016 through a collector, XXXX XXXX XXXX XXXX XXXX XXXX. The settlement terms were that the " hospital and the patient release each other from all claims related to the charges for the above referenced account. '' This was for settlement in full. On XXXX XXXX, 2016, I was contacted by mail by Capio Partners that I still had a balance due on this same account with XXXX Hospital. Both Capio and XXXX said it was a mistake and my balance is {$0.00}. If I was an older lady, perhaps with XXXX, and the threat that my credit report may be effected, I might have paid this! It very shady and deceptive collection practices on both Capio and XXXX Medical Center.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: TD BANK US HOLDING COMPANY
State: NE
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have been using a Target Red card for over XXXX years. When I XXXX obtained the card I was given a {$700.00} credit line due to new credit and limited income as I was in school. In 2012 I reported to target my income had increased well into the XXXX figures and I have established credit and had a FICO credit score above XXXX. They refused to increase my credit line at that time. They have refused to increase my credit line from then and still continue to refuse to increase the limit despite a credit score of above XXXX and an income of {$140000.00}. I believe this is due to my name being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the  item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts. See attached FTC / ID THEFT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Back in XXXX XXXX, I contacted LexisNexis to place a security freeze on consumer file and suppress consumer file. I applied for an apartment which uses XXXX screening. I requested from them a copy of my Report/File Copy of the information they had for me. When the sent me my information it stated that information was furnished to them via LexisNexis. I never gave authorization nor gave them permission to remove security freeze or unsuppress my consumer file. They have clearly violated my trust and right as a consumer. The have also violated several sections and articles of the FCRA. I have already contacted my attorney about this. The info they provided is info that is not to be disclosed to anyone without my written permission which was not given. I even have the letter with the pin they sent that stated that it was frozen and suppressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Winklevoss Exchange LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I refer to Geminis letter dated XX/XX/2021, in relation to the above-captioned subject. In that letter, they declined my complaint several times. This is regarding a known scam, referenced by the FBI in their PSA ( attached ). Given my own commitment to sensible approaches to coping with situations of this nature, and my ( perhaps blind ) belief in the system, I had been optimistic for Geminis letter to deliver novel, practical, and helpful insights on the matter, which it summarily fails to do. I find it baffling and reprehensible that my money has been so egregiously misused in a fashion which violates their principles, which call me to defend my rights. ( Please check more in the letter I attached ) I also attached letters to the company and their responses. I also have the FBI formally engaged who are pursuing the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER REVIEWING MY CREDIT REPORT. I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH ARE DUE FOR REMOVAL OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021, there were payments deducted from my then TCF account ( Since then TCF became Huntington Bank ). The payments were deducted by XXXX ( a buy now, pay later credit line ). The product I purchased was never received. The merchant had to do an investigation, which took months to complete. They finally determined that XXXX lost the package. They issued to my now Huntington account 4 separate refunds ( equaling the total amount originally deducted ). 

However, I only received one of these refunds totaling {$67.00}, XXXX has shown proof, that I in return showed to Huntington that they issued a total of four credits of {$67.00} to my account. Huntington is denying this. I have spent endless hours trying to explain the situation and they keep denying my claim. They still owe me {$200.00}. I have all the proof they owe me that refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I had email to XXXX The 6 or more accounts are affecting my score and they are not update my accounts. Most of the accounts are closed more than 6 months to 1 year but they shows pending in my report. I also mail to central bank to proper update my loan closure data but there is no reply against my mail. Also mail to XXXX against this issue but not revert. Please request you to update all my accounts asap. These credit bureau can damage my all cibil score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 've been trying to resolve multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX XXXX, Transunion ) are neglecting to verify/validate the accounts properly to determine which ones are duplicates or original. Due to poor and lack of investigation and communication I 'm requesting that all of the closed student accounts be removed. I have one student loan account and the negative accounts that are showing as paid off are hurting my scores. Also, there is a collection agency called XXXX XXXX account that 's showing on all three bureaus that has n't been removed after failure to validate the 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 2022-07-26
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Despite at least XXXX separate attempts at disputing a collection account with Franklin Collections, they continue attempting to collect an account for XXXX XXXX XXXX XXXX. The original account was cleared by the original creditor as a result of fraud. The collection account was must also be cleared as fraudulent in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: BARCLAYS BANK DELAWARE
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
This is a follow-up to the previous two complaints : XXXX and XXXX I received the attached letter from Barclays Card stating that they have attempted to contact me several times via phone regarding the status of this fraud. To date I have received a single phone call from a 'manager ' at Barclays Card on XX/XX/2022 stating that this issue would be resolved within a week from the date of that call. I have received no additional calls or contact nor, as of today, XX/XX/2022 at XXXX XXXX XXXX XXXX has this issue with my account been resolved. Nor has my credit score been restored. Nor have I received compensation for this fraud perpetrated upon myself. 

Barclays is not acting in good faith to resolve this issue that they caused.

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 2017-10-17
Company: EOS Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receive calls multiple times a day from XXXX, XXXX XXXX. It is as recording saying I owe money and to stay on the line. I have never owed money anywhere. This is harassment for something I do not owe. Could be a scam trying to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian Business Credit has unauthorized credit inquiries on my personal report on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have asked experian to remove them and they will not. I do not have a relationship with Experian Business Credit.  Sent ceritified mail XX/XX/XXXX. Replied with file # XXXX on XX/XX/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 2022-07-26
Company: Experian Information Solutions Inc.
State: MA
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:
This information is not mine and is included on Experian and XXXX reports : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This is included on XXXX report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These are both addresses that my ex used to commit tax fraud. 
EX info : XXXX 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 2022-07-26
Company: Checkr, Inc
State: MA
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:
I was in a multi-car, low speed crash, in traffic, XXXX years ago+. 
Only recently did I learn that it reports at careless driving with the company Checkr. Ive driven over 1 million miles in 4 decades plus, without incident. I am not a careless driver. This reporting is keeping me from driver for XXXX or XXXX. I need to make a living, to survive. Please remove or correct this reporting. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 Chase Bank closed all of my credit card accounts. They said that reason for the closing was due to increase in revolving credit card usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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:
On XX/XX/2022 a person submitted an application for credit using my information at XXXX. The fraudsters application was approved. I notified XXXX that its fraud but they cant do anything except freeze the credit line. I also notified Experian. Please help clear this up and get this person caught before they continue opening up more in my name!

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 2020-04-18
Company: CITIBANK, N.A.
State: CT
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:
In XXXX I had a Best Buy ( CBNA ) credit card, all payments were made on time with the exception of 4 months. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Now being 5 years later this is still showing as a serious delinquency on my account. This has made me not be approved for very important things IE. my fathers funeral loan, getting a house for me and my pregnant fianc, and multiple other attempts to receive a loan for important family things. Best Buy said they can not take a good Will letter and there is nothing they can do. I was XXXX in XXXX now being XXXX Ive been working on my credit portfolio for years, and this is the only thing holding me back. I was unable to make these payments at the time because my mother was diagnosed with XXXX XXXX, I had to leave my job to help her, my father was arrested and served 2 years in jail and they were very hard times. I even talked with the collections agency about this and they were nothing short of rude and unsympathetic. I am really hoping to get this taken off my report after almost 6 years, so I can apply again for my first home to raise my child in and better myself

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 2022-12-14
Company: SN SERVICING CORPORATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our Mtg was transferred or sold to SNSC Borrower Services. We were not contacted, so we sent our payment to the previous company, not knowing it should go elsewhere. 
That was the first problem. We have always had homeowners ' insurance in place, and it showed on the dec page they received with their paperwork but they still charged us an additional XXXX each month as we did not have it. Our insurance also sent request by fax to add them more then once. Company never responded. Thy also sent request for insurance payment at renewal that was never responded to so our coverage cancelled. As of today I an unable to even view our account or see our statements because they locked us out of the website. I feel I need to get an attorney, they are trying to to take our home. Why would they not respond to our homeowners insurance company, charge us for mtg and take it our to pay for us but not pay it? Please let me know if you need to talk to our homeowners representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I canceled my insurance policy with XXXX XXXX in XX/XX/2020. I asked the representative to confirm the actual amount due and send me the final bill. That never happened, although XXXX XXXX states that several e-mails and letters were sent. I never received emails or letters from XXXX XXXX regarding an amount due. Today I received a letter from CCS, a collection agency, stating that I owe {$350.00}. I am concerned that XXXX XXXX has sent this information to the credit agencies and if they have this is unethical and reckless. As stated I never received any communications about the final bill other than the conversation with the representative when I canceled the policy in XX/XX/2020. At that time I asked her to confirm. I have attempted to contact CCS about this issue because I wanted to stress my concerns about this information being submitted to the credit bureau agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Note : I had this bill paid down to {$400.00} dollars. I have been out of work off and on for two years now job terminated and others jobs terminated as I am in court over my job. Anyhow fees have been added even though I have not been working and I am on XXXX XXXX assistance ( I have even been homeless ). I tried to talk to this company in the past and they are not reasonable about this bill. They are reporting it to my credit report which has hurt my scores tremendously. The company has not presented the paperwork showing the total of the bill and how it is calculated on their end. Please help me resolve this matter. 

{$820.00} Reported balance Original balance {$820.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/2019 ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX SPEEDYCASH COM XXXX TN

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
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:
To who 'm it may concern, I am writing this dispute on behalf of Equifax. I have contacted Equifax via phone and via certified letter on behalf of XXXX unauthorized hard inquiries. I have had a fraud alert in my credit file before also my personal information was convined with someone else 's personal information now I have a fraud alert due to identity theft that indicates anyone who runs my credit needs to contact me to verify if it 's me seeking credit and that was n't done and that violates my rights as a consumer. I have reached out to Equifax on more than one occasion to advise of my credit being pulled with out my permission and request them to delete the inquiries with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We applied to Wells Fargo for a loan modification after my husband lost his job. The modification was declined on the basis of failed NPV. However we have appealed and they are considering our appeal. We are now 4 months late on payments. We called to make a payment today and were told that they would only accept a payment for all 4 payments ( XXXX ). They would no longer accept individual payments. To me this seems as though they are forcing us further into default rather than trying to assist us. I believe that this is a breach of the intent of the new Board of Governors of the Federal Reserve Regulation Z rules under 226.36 ( c ) for mortgage loan servicers : " Servicing practices. 

( 1 ) In connection with a consumer credit transaction secured by a consumer 's principal dwelling, no servicer shall -- ( i ) Fail to credit a payment to the consumer 's loan account as of the date of receipt, except when a delay in crediting does not result in any charge to the consumer or in the reporting of negative information to a consumer reporting agency, or except as provided in paragraph ( c ) ( 2 ) of this section ; By refusing to accept a payment online they seem to be deliberately circumventing this rule in order to force us into foreclosure. 

We fully expect my husband to be reemployed next year. At that time, hopefully with a modified loan, we hope to work out a payment plan. At this time we are simply asking the bank to accept a payment. 

Anything you can do to assist us would be greatly appreciated, Sincerely

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation