BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I purchased a XXXX blender with my Best Buy Credit card on X/XX/17. In the following statement I started receiving charges for payment protection for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX while I had not signed up for payment protection.

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I was charged the following : XX/XX/XXXX : {$1.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00}

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 2019-07-20
Company: EQUIFAX, INC.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XX/XX/19 XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Dear Consumer Relations : After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain items on the credit file, XXXX XXXX XXXX Credit Card Account Ending In XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states  that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : XXXX XXXX XXXX Credit Card Account Ending In XXXX As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed this inaccurate information with TransUnion XX/XX/2019. By the Fair Credit Reporting Act, TransUnion had 30 days to confirm my request or remove the items. Please see the attachment as they are blatantly ignoring the law and harming me. I demand these items be removed in 72 hours or I will seek damages from TransUnion.

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 2018-12-23
Company: MNE Services, Inc
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
a payday loan, really can't remeber there name, weird name, foreign / XXXX XXXX i think. can't remember i'm old and sick, iknow i did XXXX XXXX  and XXXX  XXXX, that i can remeber, but oher one i can't

Company response to consumer: Untimely response
Consumer complaint received 2018-12-23
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I APPLIED FOR FINANCIAL HARDSHIP ASSISTANCE AND WAS DENIED DUE TO PER OCWEN MY INVESTOR DOES NOT ALLOW FOR MODIFICATIONS. MY INVESTOR IS XXXX XXXX WHICH AFTER RESEARCHING I FOUND THAT THEY DO COMPLETE MODIFICATIONS. I AM NOT SURE WHAT GAMES OCWEN IS PLAYING BUT I WILL NOT BE A VICTIM TO FINANCIAL BULLIES. I EVEN HAD TO ASK FOR HELP IN XX/XX/2010 WHICH I RECEIVED FROM MY INVESTOR THEN, SO FOR OCWEN TO STATE THAT MY INVESTOR DOESNT SUPPLY HARDSHIP ASSISTANCE IS WRONG. 

I NEED MY FILE TO BE REOPENED AND REVIEWED ACCURATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Experian Information Solutions Inc.
State: CA
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:
Experian lowered my credit score for no reason and then is trying to sell me a product called boost to improve my score. I feel my score was lowered just to get me to buy this service. They lowered my score to XXXX from XXXX and then sent me an email alert and the only change was generated by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company NCB MANAGEMENT SERVICES, reported to the three mayor credit Bureau, a fraudulent account opened under my name XXXX XX/XX/XXXX: Report Number : XXXX Date Generated : XX/XX/2020 ) and associated under my credit profile. I tried to deal with NCB MANAGEMENT SERVICES and with Credit Bureau like XX/XX/XXXX and XX/XX/XXXX but no one tried to help me. Every time that I tried to open a dispute withXX/XX/XXXX I got the following error : " You have previously disputed this item. We are not required to process a duplicative dispute. '' Now NCB MANAGEMENT SERVICES had associated the same account into my wife credit profile. 
My wife tried to get a new car and now she was unable due to the fraudulent account. 

Please I need your help. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On numerous occasions I have been subject for multiple overdraft fees with M & T Bank. When transactions are pending, but I still have an available balance, I am prompt to transfer the money necessary to cover the potential negative amount. However, at least twice a month I am charged anywhere from {$300.00} - {$500.00} in overdraft fees. I would like this to be reviewed and corrected.

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 monetary relief
Consumer complaint received 2019-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My bank charges me a XXXX dollar stop payment fee when I filed my dispute against my insurance company for a unauthorized charge that they made for XXXX with my premission they had initially not charged me but after denying my claim incorrectly they charged me the XXXX dollar fee and gave me no explaintion. I've banked with them for 17 years and refuse to return the fee for stop payment I never asked them to place. I just wanted my money back for charge and they did not even do that I have already filed a complaint about the claim they denied separately. I only speak 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 monetary relief
Consumer complaint received 2017-10-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My complaint is with Credit Acceptance. First the have they are claiming I owe {$100.00} dollars which is incorrect. If my payments are XXXX a month and Credit Acceptance acknowledged theey received my hardship payment arrangement letter and agreed to give me 4 monthly payments of {$200.00} on a recorded line, why are they acting as if this is just a payment I 'm making on my own. And with the agreed upon arrangement the past due balance remaining balance for 4mths would be XXXX and the representative on the phone advance the balance go on the back of the loan. So the are adding illegal collection tactics and also have been calling harassing me everyday twice or more a day after they know my account is auto draft. I have spoken to a representative every time they call to advice in on auto draft and they still try to collect a payment and continue to call when I already spoke to someone which is illegal. Their phone records like my phone records will support this. Last all XXXX of my credit reports are showing different past due dates, when the account is not past due, I 'm on auto draft and Credit Acceptance agreed to the hardship arrangement and said the remainder will go on back of loan. 

I

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 2018-11-26
Company: EQUIFAX, INC.
State: AL
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 request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notice in an email from XXXX XXXX on XX/XX/XXXX that there was a change to my credit report. The email stated that there was a collection account added from Midwest Recovery Systems LLC. The account balance is listed as {$170.00} and the original creditor is listed as XXXX XXXX XXXX. 

I was very surprised to see this as I had never heard of Midwest Recovery Systems, nor had Midwest Recovery Systems contacted me via mail, email or phone. If this is a valid debt I should have been contacted and provided more information. 

I am not aware of owning any medical debt. I did not contact the creditor as I know that contact can start a clock for the creditor and keep items on a credit report longer. 

I did dispute the debt with XXXX  and clearly stated in the complaint that I was not provided with any notice or contact from Midwest Recovery Systems. XXXX  concluded my dispute on XX/XX/19 and did not remove the item. 

I believe it is important to note the large volume of complaints to the XXXX  for Midwest Recovery Systems. In fact, the XXXX  has revoked the company 's status due to its failure to adhere to XXXX  policies. 

My rights have clearly been violated and I hereby submit this official complaint and request that the appropriate action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: ALLY FINANCIAL 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:
I purchased a vechicle and due to this was our first car loan and we are self employed I couldnt get approved they took 3  months of them pulling my credit after pulling from XXXX to XXXX same Companies each month kept pulling thisnis illegal I never authorized it 4 months straight and destroyed my credit and now since they ruined our credit we can get approved to even rent a place please help they killed our credit in one month it dropped XXXX points help please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have in my report late payment in XXXX and XX/XX/2016 late payment XXXX/XXXX XXXX Account # XXXX.The information is incorrect.I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I XXXX XXXX made a money transfer through zelle a financial institution recommended by XXXX XXXX XXXX for the amount of XXXX dollars the transfer was made to a XXXX XXXX account belonging to my colleague XXXX XXXX zelle allowed the transfer of XXXX dollars only requiring the phone number no other information and transferred that amount to the wrong financial institution XXXX XXXX XXXX. This transaction was made on XX/XX/2019 I Made a claim with XXXX XXXX XXXX. Bank institution this claim was made on the XX/XX/2019 the claim came back denied on the XX/XX/2019. I was later informed by calling chase about the denied claim that that amount of money is now lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
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: Information belongs to someone else

Complaint:
So there was an account that was reporting on my credit report from XXXX XXXX. By the time I noticed it was opened and had been used for 5 months already. the card was nearly maxed out. once i called in to report the fraud they gave me all the information and told me that it was my fault and I was liable for the debt. Even though they said the card was opened at a address I wasn't familiar with. plus the telephone number they had on file wasn't mine. The card was opened on XX/XX/2017 and till this day its still reporting negatively on my credit report. the total amount that was take was XXXX that was due to fraud. Also A XXXX XXXX account was opened in my name as well that same year and this two cards was maxed out in my name XXXX & XXXX dollars. The date opened for those cards was XX/XX/2017. I also alerted the credit bureaus as well they put a fraud alert on my credit file. But still hasn't removed the fraudulent items on my credit report. this is going on two years already. I also filed a police report and mailed those documents to the credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
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: Information belongs to someone else

Complaint:
I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Lendmark Financial Services
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companie : 1. LENDMARK FINANCIAL SVC LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) ( dupicate ) I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: EQUIFAX, INC.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NM XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this  information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company I paid off in XXXX named Portfolio Recovery Associates ( they were called XXXX XXXX at they time ) continues to call me from phone number XXXX. I have called this company 5 times and was told my name is not in their system as owing any money to them but I continue to receive calls. I even had them send me a paid in full notice to prove I don't owe them anything. On XX/XX/XXXX at approximately XXXX I received yet another call. I called the company back and spoke to XXXX XXXX who told me they have no record of their system calling me but she found my phone number ( XXXX ) under someone else 's name. XXXX made it sound like I was lying about receiving the call. This has become harassing because I work from home and the calls disrupt my daily workflow when I'm on conference calls. 
Please help, I don't know what else to do.

Company response to consumer: Closed with non-monetary relief