BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: Collection Management Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection Management Services did not produce an agreement that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging XXXX to provide the agreement under penalty of perjury. XXXX sent a verification letter, but failed to state that I had 30 days to dispute the validity of the debt which violates 15 usc 1692g ( a ) ( 3 ). XXXX also said that another company " referred '' the alleged debt. I challenge XXXX to provide proof of this " referral '' under the penalty of perjury. This is referral is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ). Collection Management Services violated the same section in their response to my last CFPB complaint. Collection Management Services stated that the name of their business as XXXX XXXX Collection Management Services, but that is not the name that the company used in my letter nor is it the name used on my consumer report. This is misleading according to the Act and a violation of the 15 usc 1692e ( 14 ). I would like to bring to XXXX 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Because of XXXX 's failure to follow my cease and desist order and their multiple acts against the FDCPA, I will be pursuing remedy for all injuries against me pursuant to 15 usc 1692k. I will sending my invoice along with my Affidavit of Truth to XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX stating all facts which includes each violation and the damages that you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've submitted disputes your way and I didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes, thank you for your time.

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 2016-02-22
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax , I just received a letter from my creditor XXXX Stating they are lowering my credit limit, They stated in the letter that Equifax provided them with this information, There is no reason to lower my credit limit for I have been making all payments also they lower my credit score bye XXXX points again for no reason, If anything at this point my credit limit should be going up, I find this most coincidental sins I am in the proses of challenging Equifax , also I find this most disturbing for this in my opinion is nothing more than retaliation. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-07-21
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2021 CitiBank issued a replacement Shell Fuel Rewards MasterCard ending in XXXX. This card replaced a previous card ending in XXXX. I have never missed a payment. I have just found out a balance on the old XXXX card of {$44.00} was reported as a " bad debt '' rather than being transfered to my new card. 

I have been on the phone over an hour trying to get this resolved or at least get an explanation. Nothing. No one at CityBank knows what happened or how it happened. 

Please help me. I'm at the end of my rope with this.

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 2022-02-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax violated my federally protected consumer rights under Title 15 USC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I got scammed out of {$400.00}. I called my bank and made a fraud claim. I have the emails sent to me of the person pretending to be XXXX and Wellsfargo, that I supposedly was ti pay a fee for some sort of upgrade. And me gullibly did send it since it seemed like a legit emails and the images on it were pretty accurate to any other email I received from the company. Turns out it was a scam. I called multiple times after my claim was sent and the bank told me that they couldnt help me anymore with the investigation or claim

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 2022-02-01
Company: Experian Information Solutions 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:
several inquries Im unfamiliar with and collections I've reached out to every bureau also sent a XXXX letter still same results no progress experian 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 2016-08-31
Company: EQUIFAX, INC.
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was Denied Credit by XXXX XXXX XXXX, based on an EQUIFAX Credit Report I am in XXXX But have a US Phone Number XXXX I have contacted Equifax MULTIPLE TIMES requesting a copy of my credit Report, as required by Federal Law : The Fair Credit Reporting Act. 
EQUIFAX Continues to send me NON RESPONSIVE messages rather than Providing my Credit Report. Normal mail takes 5 1/2 weeks to arrive, therefore I have requested that my credit report be E-Mailed to me at XXXXXXXXXXXX. 

I have Provided them Every Piece of Verification Information Required to establish my Identity, Including my US Passport, My Current Philippine Drivers License ( Showing my Address ), A billing statement from XXXX, showing my address and Letter from XXXX showing Denial of Credit My contact info is as follows : US Phone in XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX Cell Phone XXXX XXXX XXXX XXXX Sound is not good on Cell. 
XXXX : XXXX Email XXXXXXXXXXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
President Biden has out a pause on student loan payments and Navient has continue even thought I have notified them several time to charge me and charge late fees and interest to my account. They act like they are above all other student loan companies. They have ruined my credit by reporting late payments which they should not be doing so since this is on pause. 

Today, the U.S. Department of Education ( Department ) announced a final extension of the pause on student loan repayment, interest, and collections through XX/XX/XXXX. Borrowers should plan to resume payments in XX/XX/XXXX. While the economy continues to improve, COVID cases remain at an elevated level, and the President has made clear that pandemic-related relief should be phased out responsibly so that people do not suffer unnecessary financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This has been an ongoing issue for quite some time with Equifax. I have asked on multiple occasions that Equifax remove a public record that is appearing on my credit file. I have contacted the bankruptcy court who informed me that they did not furnish the information appearing on my credit report. Equifax informed me that XXXX provided this information to them. I have asked for proof of how they verified that the information reporting belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Designed Receivable Solutions - XXXX XXXX XXXX XXXX, Ca. XXXX XXXX Incorrectly reported what it seems to be a medical bill from XXXX XXXX XXXX XXXX XXXX in XXXX, Ca. I have tried numerous times to have the collection removed from both credit agencies. They have admitted this debt belongs to someone else. They are requesting a copy of my credit report. I have a problem providing that information to them, and I do n't feel comfortable sharing so much confidential and private information. They claimed it is my responsibility to prove they made a mistake. I am willing to share a portion of my SS # and a copy of my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: AMERISAVE MORTGAGE CORPORATION
State: NH
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:
Today, XX/XX/2021, I called AmeriSave mortgage corporation and spoke with XXXX XXXX Loan Originator NMLS ID # XXXX to inquire about the streamline refinance mortgage process, which is a non-credit check loan. 
Well XXXX was talking to me about my father and talking about his parents passing away He asked me for my social security number. I assumed it was just part of a form that he was completing so that he could give me some information. At this point he had not given me any information at all about their company or loan options. XXXX XXXX checked my credit without my consent. Shortly after I gave My social security number, I said " did you just check my credit '' " without my consent '' XXXX XXXX said " yes ''. He kept apologizing for not asking for my permission to check my credit. I did not consent for him to check my credit and now this is going to impact my credit score. This is terrible and I'm not sure what to do now.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XXXX XXXX XXXX i have reach out to Portfolio Recovery Associate in reference of a account that was open fraudulently due to someone stealing my identity as well as XXXX XXXX there's also two account on my credit report that was also open fraudulently due to theft identity i reach out to XXXX XXXX XXXX several time along with XXXX XXXX XXXX XXXX due to an account that has been close for several years this account belong to my ex wife also there's two account with XXXX XXXX XXXX  that doesnt belong to me due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: GA
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:
I have XXXX, 30 day late payments on my credit report. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ALL of 2021, I have sent 15 USC 1605- Determination of finance charge, 15 USC 1666b- Timing of payments 15 USC 1681 b- Permissible purpose, 15 USC 1681 a ( 2 ) ( B ) Exclusion from consumer reports. With no remedy., They told me they are having difficulty identify 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 2022-02-01
Company: EQUIFAX, INC.
State: GA
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:
I have 6, 30 day late payments on my credit report. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ALL of 2021, I have sent 15 USC 1605- Determination of finance charge, 15 USC 1666b- Timing of payments 15 USC 1681 b- Permissible purpose, 15 USC 1681 a ( 2 ) ( B ) Exclusion from consumer reports. With no remedy., They told me they are having difficulty identify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Convergent Resources, Inc.
State: NY
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:
Back in XXXX or XXXX I bought a phone plan for one year but the salesman contracted me for two years and I refused to sign the contract. I contacted XXXX about the issue, was told by them they ca n't make changes, all adjustments must be made at place of purchase. When I returned to the store it was under new management ( a ploy to avoid me ), I returned the phone by mail within the specified return dates then two years after the harassment began from several debt collectors.Convergent Outsourcing Inc. is very consistent with their threats and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: EMBRACE HOME LOANS
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was refinancing with the same company I started my original loan was with, which is Embrace Home Loans. during my refinancing process the loan officer assured me with a signed contract that as long as my appraisal came back with at least {$100000.00} I can get up to {$13000.00} cash back and about {$3500.00} debt paid. needless to say, after paying {$500.00} for an appraisal that came back at {$110000.00} the refinance is not going through. per my current loan officer ( XXXX XXXX ), the {$5000.00} that I received for down payment assistance through XXXX has to be paid back. this was n't informed at the sign of my original loan nor did my current loan officer know this either. he said to me, " all the loans he has seen in the past those loans have been forgiven after 5 years ''. therefore, he told me to call and check on it. of course, XXXX states i owe the money. Now, there 's a {$2000.00} modification lien i did in 2014 that according to my loan officer denies me from refinancing for 3 years and 1 day ( it 's a hud modification ). I 'm not sure, I 'm in the process of getting those papers. my complaint at this time is the fact that i was told to pay {$500.00} for an appraisal without the loan officer looking though my paperwork thorough because he wanted to close early over efficiently. what i want is a refund of my {$500.00}. i was trying to refinance to get out of debt, now I 'm {$500.00} more in debt. i ca n't afford my current mortgage and all the extra bills that come with. I 'm tired and i need help! please!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was told that I had a late fee for XXXX of 2021, I ask if I could get the fee waived and was told no so with that I ask what was my total balance so that I could pay it and cancel the card, now they are telling me that I put the information in and I am saying that they did, but someone put my account number in wrong, now I have had the account for over twenty years to where I know my account numbers by memory, also they have yet to seen a letter to me saying anything about the mix up and just let the charge double and they also listed it on my credit report, for my credit score is in the XXXX 's, I pay my bills, this is the actions of a person or persons that have found a way to cause other people money and pain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-15
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MDS has violated my rights as a federally protected consumer. MDS is in violation of 15 usc 1692. I have outlined their violations in the attached documentation. I am. invoking my specified remedy as a federally protected consumer I am demanding a deletion from all of my consumer reports, and monetary compensation for each violation Pursuant to 15 USC 1692k. 
They failed and defaulted on my initial affidavit, this is an opportunity to cure their default.

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 2022-02-01
Company: HOME FINANCE OF AMERICA
State: NM
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:
I looked at my most recent credit reports from XXXX, XXXX, and XXXX and found that accounts with XXXX XXXX XXXX  and accounts with XXXX XXXX that are paid in full was reported showing negatively against me as late payments. They reported negative and defaming information beginning XXXX of 2018. I have been denied credit and my creditworthiness has been compromised. I do not agree with the accuracy or integrity of the information they are reporting. I have researched throughout the CFPB and have found that : 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly Reflects the terms of and liability for the account or other relationship, Reflects the consumer 's performance and other conduct with respect to the account or other relationship, and Identifies the appropriate consumer. 

12 CFR 1022 41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( 0 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the XXXX has Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; Also that this is a violation against me according to 15 USC 1666 - Correction of billing errors

Company response to consumer: Untimely response
Consumer complaint received 2016-03-19
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This debt was more than 7 years old the company continues to contact and harass me. I do n't owe this company anything. The debt that I had was through another company, I have asked them several times to stop contacting me but they still continue.

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