BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: Tri-Counties Accounts Adjustment Bureau
State: UT
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:
Account Recovery Services is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from XXXX XXXX XXXX about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: First Data Corporation
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I use the First Data Money Network card for my paycheck to be directly deposited. This card was furnished to me by my work. I am applying for a mortgage and I need to get statements showing the money that I put away as well as my usual cash flow. For the last 2 days, every number that I call gives me a message that they 're experiencing technical difficulties and to try again later. 

I am running into deadlines and I ca n't keep pushing this back. I need proof on paper of my money, and I need the people in control of my money to be accessible. There needs to be some recourse. I 'm at my wits end attempting to get ahold of anybody at all at this company.

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 2016-01-28
Company: Stellar Recovery, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
At issue is a XXXX account from XXXX. The debt collection company, Stellar Recovery, is attempting to collect a debt that was never owed, and illegally trying to do so. 

The XXXX account in question was closed in XXXX or XXXX of XXXX and all equipment was returned to the local XXXX office. XXXX billed me for the equipment in XXXX XXXX, and I contacted XXXX to deal with it ( proving that I had returned the equipment ) to put the issue behind me, or so I had thought. 

Stellar Recovery must have bought this " claim '' against me in the past year because I started receiving an overwhelming amount of calls from them at all hours of the day. I told them that there was no claim here, but they continued to contact me until I told them to no longer contact me. 

I, again, thought this was behind me. I was checking my credit report today and notice that there is an unpaid collection that was filed in XXXX of XXXX by Stellar Recovery in the amount that they assert. Note, that even if Stellar Recovery had a valid claim, it was no longer legally enforceable because the Tennessee statute of Limitations had run its course ( limit of 6 years that runs from when the demand could have been made ). 

This is outrageous and unacceptable. Stellar Recovery is attempting to strongarm me into paying a debt that I never owed based on what is a clerical error at best, and an outright lie at worst. Moreover, as a company that specializes in debt collection, they are well aware of statutes of limitation, it is my contention that they are intentionally misrepresenting the collectability of the debt to the credit bureaus, and that the report should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$390000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Granite Edvance Corporation
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fein Such and Crane debt collection attorneys are trying to foreclose on my home illegally. They have not provided any copies I have repeatedly requested over the past 6 going on 7 yrs they have filed papers foreclosing with XXXX XXXX XXXX as owning the note which they dont. They have failed to produce the note as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Stellar Recovery, Inc.
State: CA
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:
XXXX has repeatedly over charged me for almost 3 yrs. & declined to accept responsibility or adequately fix the problem. They disconnected my service in XX/XX/2013 & continue to say yrs. later that I owe them {$200.00} for which I do n't. They never atoned for the over charges to my account nor fixed the problems that continued to over charge me on " specials '' that they supposedly gave me & reniged on each month. I reported them to the FCC numerous times yet they still failed to correct the billing errors. They continue to send XXXX party collectors after me who harass me by phone for a month or more, then begin sending letters, then ding my credit if I do n't respond which I do n't. This will be the XXXX 3rd party collector they 've sent after me that 's failed to collect on the debt. I told this co. not to call me again. They harassed me 10 times a day with robocalls even when their office was closed on the weekends! I told them I do n't owe XXXX money & to leave me alone. They continue to harass me ignoring what I said. I refuse to pay them or XXXX anything! If anyone owes anyone money, XXXX owes me for over charging me for almost 3 yrs. for their service when they set me up on specials that seemingly expired the next month. I do believe that 's called bait and switch. I want this collection co. to back off & if they ding my credit I will hire an attorney & sue both them and XXXX once & for all. I do n't owe them money & will never ever pay them! They 've been sending their pit bulls after me for more than 2 yrs. enough is enough! It has to stop. Each time they sic a new collector on me I 'll get an attorney & report them to whomever for harassment. They need to drop this debt & move on to something they are able to collect. This one will never come to fruition!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to obtain the annual credit report online using XXXX. I was given the reports by XXXX and XXXX, but was not given one by Experian. They recommended using phone number, calling the number given a PO Box to send request, which is not acceptable service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is stating I owe XXXX and I moved out of the residence XX/XX/XXXX owing XXXX even. As of XX/XX/XXXX it is reporting on my credit as XXXX by 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 2022-09-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of an Equifax data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: WA
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 aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following that I have included in this report. Please remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The company has written the loan off as defaulted on my credit report. I received several calls from them during a time where I had no employment and was unable to make any payments toward the loan. The calls began in  XXXX  and ended in  XXXX . I now have another bad mark on my credit report becaus e Navient w ould not give me any options other than a : Pay full amount b : pay monthly payments c : pay a settlement amount.     Obviously I was unemployed so I was unable to fulfill any of these options. I was not given any options in regards to putting the loan into forbearance or income based options. As a matter of fact I was advised that the loan did not qualify even though it was a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: NJ
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:
Please Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my EXPERIAN credit report and found the following item ( s ) to be in error XXXX XXXX XXXX date- XX/XX/20XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXXdate- XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX  -date-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -date-XXXX I received a copy of my XXXX credit report and found the following item ( s ) to be in error XXXX XXXX XXXX Date- XX/XX/2022 received a copy of my XXXX credit report and found the following item ( s ) to be in error : 1 : XXXX XXXX XXXX XXXX date-XXXX XXXX : XXXX XXXX XXXX date- XX/XX/2022 XXXX : XXXX XXXX XXXX date- XX/XX/2022 XXXX : XXXX XXXXdate- XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Remove Employer : 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 2022-09-16
Company: EQUIFAX, INC.
State: NJ
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:
Please Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my XXXX credit report and found the following item ( s ) to be in error XXXX XXXX XXXX date- XX/XX/XXXX XXXX XXXXdate- XX/XX/2022 XXXX XXXX XXXX XXXXdate- XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I received a copy of my XXXX credit report and found the following item ( XXXX ) to be in error XXXX XXXX XXXX Date- XX/XX/2022 received a copy of my XXXX credit report and found the following item ( s ) to be in error : 1 : XXXX XXXX XXXX XXXXt- dateXXXX XXXX : XXXX XXXX XXXX date- XX/XX/2022 XXXX XXXX XXXX XXXX XXXX- date- XX/XX/2022 XXXX : XXXX XXXX-date- XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Remove Employer : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
never applied for these account

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 2022-07-20
Company: Blackhawk Network Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased a pre-paid Visa card in approximately XX/XX/XXXX. I tried to use the card in XX/XX/XXXX. When the card did not work, I contacted Gift Card Mall, the issuer of the card. Gift Card Mall opened a case which determined the card was used in XX/XX/XXXX, more than two years before I opened the card. Given the time that has elapsed since the card was used, Gift Card Mall is unwilling to resolve the fraudulent use of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I contact Bank of America and asked for a deferment on my mortgage due to COVID. They said that they would do a one month deferment and I would need to call back the following month to have it extended for another month. Well, I never called them the following month but the ended up doing a 3 month deferment for the XXXX, XXXX and XXXX payments and my next payment would be due on XX/XX/2020. XX/XX/XXXX came by and the regular automatic payments resumed and I thought I was done with the deferment/forbearance program. Then in XXXX they didn't draft a payment, so I made one manually. That payment went to principal only and not to Principal and Interest plus my impound account. I then realized that they had stuck me on ANOTHER deferment for XXXX, XXXX and XXXX and my next payment wasn't due until XX/XX/2020. So I called them and asked to to reverse that principal only payment and have it applied to my XXXX payment. Needless to say it wasn't done. So I called again and they said they can only do that if I cancel the forbearance/deferment program I am on. I told them to go ahead I made payments for the XXXX, XXXX and XXXX payments that were deferred. Well, they took the payments for those 3 months and applied it to Principal Only again. I called AGAIN and to have the forbearance/deferment canceled, which they finally did but they canceled it only for XXXX, XXXX and XXXX. They took all the payments that they had applied to Principal and reversed them and applied them to the XXXX, XXXX and XXXX payments making me due for XX/XX/XXXX again. What they should have done was applied the payments to XXXX, XXXX, XXXX, ( XXXX was already made ) and XXXX and had me due for XX/XX/XXXX. I called again and they said they will have my case manager call me on XX/XX/2020 at XXXX XXXX  but I never got the call. I don't know what else to do as I don't want to have my mortgage have a balance that is in deferment.

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 2022-09-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I filed complaint before XXXX .I had about {$2000.00} taken from my savings account and I received nothing each time I tried received same message error see financial institution no money I called bank and was told to keep trying I did did not realize money taken out when I did report it 5 resolved error occurred but at least 4 said no error I did not receive any when XXXX reported back to XXXX she said 7 were denied because they were illegal because used at gambling institutions she now said my account was being closed and I cant do anything about it

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 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How are you doing during this pandemic? Taking more than 60-90 days - i was not late. Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late on the days shown. Something is weird going on my account. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2016-11-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/XXXX I settled a debt with XXXX for {$1000.00}. Subsequently they sold the debt to Portfolio Recovery Associates , LLC ( PRA ). PRA made NO attempts to collect the debt. In XXXX XXXX I discovered the debt on my credit report and contacted PRA via email asking for verification of the debt validity. The request was NEVER honored. I notified PRA that I was disputing the debt, I NEVER received any information from PRA. In XXXX XXXX I was informed by the Florida XXXX that my credit report indicated the invalid PRA debt. I again contacted PRA and received a form letter stating the original account holder, the date the account was open the balance on the account. In my XXXX XXXX contact I also requested verification of the validity of the debt, in writing and via the telephone. This was NEVER provided. I was informed by PRA via telephone that I MUST contact XXXX. XXXX advised when the debt was sold all records were given the PRA. PRA refuses to release ANY documentation to verify the validity of the debt other than a form letter saying it is valid. PRA has NEVER provide a statement, contract or any other documentation demonstrating the debt is valid. NOW I am XXXX but can not pass the XXXX until this matter is resolved.

Company response to consumer: Closed with non-monetary relief