BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It was around the first part of 2019. XXXX XXXX XXXX XXXX offered my wife and I phone service with their company. They gave us the phones we wanted. immediately, like two days after signing with XXXX XXXX XXXX we were having bad service. dropped calls, fading signals, and calls not going through. We started to call in and complain to see if they can fix the issues. All they kept telling us is, ( their working on the cell towers and putting more towers in our area to boost up signals. Just hang in there ). We had a 14 day cancelation if we didn't like the phones. Almost every other day we complained about it. They did nothing. It got to the point that we were tired of waiting. so we went back to our previous carrier. XXXX XXXX XXXX reach out saying that we owe them around {$2300.00}. We told them what was going on. We offered to give them their phones back. They told us that the phones are considered used that that we past the 14 day trial. Also that we had to pay for the phones. I've tried to reach out to XXXX XXXX XXXX several times to resolve this issue, but all they do now is to put you on hold for a long time or simply hang up because your not starting new service. After some time went by, we were contacted by XXXX XXXX XXXX XXXX, a collection company to pay pay the full amount. I explain the whole situation and they told to write a statement describing what happened. I submitted a Statement and did not hear anything back from them. I thought that everything was settled. Now eight months later were receiving letters from Receivables Performance Management LLC telling use to pay this {$2300.00}. When is this going to stop. I know that theirs companies that just go out to find anything on you to pay. Nothing gets done about it. The way I see it is that XXXX XXXX XXXX failed to provide us service that that we paid for. Their in breach of contract. No monies should be owed. Can you please help us.

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 2015-08-25
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX, XXXX I purchased a XXXX XXXX from XXXX XXXX XXXX, XXXX. I traded in my XXXX ford truck. The dealership gave me {$8800.00} for my trade-in. I owed Navy Federal {$10000.00}. The dealership said not to worry about the negative equity of {$1200.00}. They said they had rolled it into the price of my jeep so I did not have to pay any additional money. When I saw the buyers order it said that there was no balance owed to Navy Federal. When I got my loan from Navy Federal I found that I still owed the negative equity. I paid the negative equity XXXX once to the dealership and once to Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Applied for home equity line. Completed app over phone. Provided eLending site to verify app and download documents. Instructed by loan office to email PII information to him ( Social Security verification forms ) containing SSN, names, addresses, etc. 
Attempted to contact bank to inform them of unsafe practices. Could not find someone to take action. Redirected to others with no luck. 
They have not implemented processes that safeguard my personal information. I know of others who had issues with identity theft with this bank. Something needs to be done. We canceled the application due to very unsecure practices. They are international.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
wells fargo bill me for atty services XXXX, XXXX this is the XXXX time they did this and do n't explain it. There a court date on XXXX XXXX, About a settlement for judgment, they need to explain things to me. 

And they s/b be suing the XXXX who created this mess, thinking they could foreclose on pty that the bank owns, by not serving them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: CMRE Financial Services, Inc.
State: TX
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:
According to Section 392.101 of the Texas Finance Code prohibits a 3rd party debt collector from engaging in collection in Texas unless the have obtained a surety bond and it is filed with the State. 

The Texas Secretary of State has no bond on file for CMRE.

They are attempting to collect {$450.00} from me and damaging my credit rating as a result. It does not appear they are meeting the State of Texas Licensing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax Information Services , LLC XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT. {$420.00}. This ACCT. was charged off listed with wrong balance please delete. 
2. ACCT. NAME : XXXX ( XXXX ) ACCT.. BAL : {$500.00} This ACCT. was charged off listed with wrong balance please delete. 
3. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1400.00}. This ACCT. was charged off listed with wrong balance please delete. 
4. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1200.00}. This ACCT. was charged off listed with wrong balance please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX and XXXX equfax keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I mailed a check via USPS in plenty of time approximately XX/XX/XXXX to be received by XX/XX/XXXX at Comenity XXXX XXXX XXXX XXXX XXXX TX location. I mailed the check USPS on time as usual in plenty of time. 

Comenity charged me a late fee and interest. 

During the time between XX/XX/XXXX and XX/XX/XXXX there were severe weather disruptions however Comenity claims they did not affect them ( XXXX ). Therefore they did receive the payment on time according to the USPS they would have received the bill in 3 to 4 days.

USPS says they had no delays. 

Therefore because the federal government claims my check was not delayed I believe Comenity made errors, misplaced, temporarily lost, or had problems due to the weather that would have caused this - none of which are my fault. 

I want full reimbursement for their errors, a credit of {$29.00} for the late fees plus the interest back of {$41.00} I was overcharged for. The reason I claim this is a overcharge is that my payment was received, while they claim they did not " process it '' until XXXX I am certain they received the check USPS about XX/XX/XXXX or XX/XX/XXXX based upon XXXX United States Post Office tracking of that routes typical time in transit. 

Regardless, as you may know, the United States Government accepts the USPS pay date for taxes and official matters as the date post stamp on the envelope, therefore I want Comenity change the date of receipt to on time and refund all my fees and interest. 

Additionally I would like them to pay a fine typical of this type of minor investigation, unless this is a recurring issue for Comenity, I am not knowledgeable about the CFPB internal process. 

No other resolution is acceptable to me. If the CFPB can not negotiate my settlement for the {$70.00} I would like to be referred to other agencies who I can also file complaints with such as the XXXX or state regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to help my daughter get a apartment, while I was there I was informed by management that I could not get her a apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$4600.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXXXXXX {$0.00}

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 2016-05-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is showing a red flag in Fico due to Mortgage XXXX account " Acct Status : PAYS 91-120 DAYS '' This account is over 7yrs old. I am no longer liable for this account but Equfax will not delete it. Please help. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Continental Services Group, Inc. d/b/a ConServe
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed {$150.00} to a school ( XXXX XXXX ) I attended. I paid the amount ( {$150.00} ) to my school. However, the debt was incorrectly given to a debt collection agency ( XXXX ). The debt was first reported as {$53.00} for the first 5 months of it being on my credit report, which was incorrect. Then, it was updated to {$150.00} for the last 2 months of it being on my credit report. I contacted my school to confirm this debt ( {$150.00} ) was paid in full directly to them, and that it was mistakenly handed off to a collection agency. The debt has been reflected as paid in full on my credit report. However, I have never interacted with the collections agency and it was paid prior to going to the collections agency. This incorrect submission on my credit report is in violation of the following FCRA statutes : no correct date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not authorize or give consent to XXXX XXXX XXXX XXXX to pull my credit! This has affected my score tremendously and I am highly upset with all of this being done without my knowledge! Please remove this from credit report as soon as possible!

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 2015-08-20
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
We have a bill from XXXX in XX/XX/XXXX from a anesthesiologist. It should of been sent to the insurance company and didnt know we had a bill until roughly a month or so ago when the collections agency ( Midwest Service Bureau ). The XXXX person that called me at work was XXXX XXXX by far the most unprofessional rude person I have ever talked to. She was raising her voice telling me she knew we had money and that we could pay the payment of {$75.00} a month. I told her I could n't do that right now just not possible. I can for sure give you {$25.00} maybe more each month but {$25.00} for sure. She said that was not acceptable and would n't accept my {$25.00}. Comes to find out she had called my wife just before that and ran her completely down to the point of her almost crying at her job. The stuff she said to my wife should of never been said. Talked to a XXXX lady who I believe was the manager XXXX XXXX. She was nice the first time and told me what XXXX offered wasnt correct and that it had to be XXXX payments but would do the {$75.00} since it was offered. Told her Id get back with her and see if they would settle for XXXX. Got a call back and said they wouldnt told her Id see what I could do. Got a call back a week later told her I had nothing but could give {$25.00} She insisted that wont work and its {$75.00} or full amount or they will take it to the next step. She this time was rude just like the last person. I have never been talked to like that and wouldnt wish it on anyone. My wife should of never been talked down to and ran into the ground like she was. I was kind of rude when the lady got rude on the phone the last time but what to you expect when you treat someone like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been sending letters to Experian to delete all the information that is on my credit reports like addresses and names that are incorrect, erroneous and obsolete and to only leave my correct name and my current address. They are not deleting anything and this is affecting me from getting a new credit card and buying a home. I send them proof of my current address and my driver 's license as well.

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 2015-04-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent Equifax over a notarized fraud affidavit along with a police report stating I am the Victim of identity theft and requesting them to block information. They have stated that they must complete a XXXX day investigation. However ; this is IDENTITY THEFT it is clearly stated in FCRA 605B ( 15 U.S.C. 1681c-2 ) that once a credit reporting agency is made aware of the identity theft they have XXXX days to block the information. I have made several calls to them and spoken to managers and they are stating they must do a XXXX day investigation. This is not a dispute it is IDENTITY THEFT. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I used XXXX to see my credit report and I noticed there 's a couple of things that are on collection that I never applied for. I believe someone else using my informationinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX nissen altima was fininaced in XXXX with XXXX it was paid in full XXXX titles was released and sent to me traded the car in XXXX and purchased a XXXX dodge thru XXXX, the amount of {$1000.00} was put on my credit XXXX if it was not paid in full the titles would not have been released, i am deputing that {$1000.00} amount on my credit, please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
equifax is showing hard inquiry by XXXX XXXX on XXXX XXXX, 2015. 
I get numerous mailings from XXXX XXXX. I live in the woods and was told to call XXXX XXXX and see if they could provide coverage. That was it. I never applied or inferred that I was going to switch from my Cable Company to them. I never followed up on my questions because I am happy with my Cable provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2020-06-29
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the attached paper will show you that this is an inaccurate collection for which experian is reporting under my name, this is a medical debt that i do not owe and it was paid cash long time ago, i have disputed this inaccuracy through experian many times and they are not removing this inculcate information. i have also mailed and uploaded the attached letter to experian and to the creditor. please have this inaccuracy removed from experian reporting.

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 2016-09-19
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This debit was removed by the original credit grantor. LVNV began reporting the debt with a false recent date. Contacting the company did not resolve the issue.

Company response to consumer: Closed with explanation