BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
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: Problem with personal statement of dispute

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Accounts : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXXXXX Account number XXXX * NOTE : Please also remove all non-account holding inquiries over 30 days old.

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 2020-01-17
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Diversified Consultants, Inc.
State: TX
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:
I was with XXXX for many years, never late, made automated payment every month for all services..XXXX phone company has wrongfully charged me, i have recorded conversation with an agent as a proof..XXXX has overly charged me {$66.00} after the account is closed and without reaching out to me they have sent my account to collection. I could have just paid off enen though it was wrongfully charged..I spoke to XXXX as well as many debt collecting companies for removing these charges but instead these companies keep selling my accounts to new comanpnies and my credits score has gone down from XXXX to XXXX. This is the only debt collection i have in my credit history and this is not fair to consumer ... It 's hurting my credit really bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/20, My debit card information was compromised and had 3 unauthorized charges at XXXX XXXX totaling {$2000.00}. One charge was made at store location # XXXX and the other 2 were  made online at XXXX. I called Bank of America multiple times, and each time I received a different answer from every agent. They advised I was unable to do anything until all 3 transactions had posted. I followed their directions and filed a police report as well. I still felt like the information I was given from Bank of America was not accurate. I called one more time, and finally the agent blocked 2 of the 3 transactions from posting to my account. The 3rd payment however posted to my account from XXXX XXXX # XXXX in the amount of {$660.00}. I again followed the agents directions and opened a claim for the 3rd transaction posted in the amount of {$660.00}, and within 1 week the claim was denied. Bank of America said the claim was posted to my account correctly even though I did not make this charge to my account and I am unable to get this money back. I called and asked to speak with a manager and the agent advised me there was no one else that I can talk to.  The agent also said she can not reopen my claim. I asked to see how Bank of America reached their decision, and the agent denied me viewing that information even though I have a right to my own information. Bank of America did not even take the time to research my claim. If they did in fact research my claim, they would see that I do not even have a XXXX XXXX  membership, nor in the past have I ever done any business with XXXX XXXX. This charge was not made or authorized by me the account holder and now they are refusing to give me my money back.

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 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion is showing a late on my XXXX XXXX  XXXX XXXX for XX/XX/2017. There should not be any lates showing on my 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 explanation
Consumer complaint received 2016-01-16
Company: Supreme Lending
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX ( XXXX XXXX ; XXXX, TX ; DBA Supreme Lending ) owns mortgage and buyer escrows funds for property taxes ; however, lender did not pay 2014 city and county property taxes on time. Result is XXXX XXXX tax liens in my name, public records of liens, and record of tax liens on my credit report. 
I am not the homeowner who has an account with the lender. I sold the property to their customer. I paid my portion of property taxes at closing and had no legal obligation to ensure taxes were paid. However, due to county process, my name was still on record as homeowner. I learned of late payments because I coincidentally ran a credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Sentry Credit, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called SENTRY CREDIT on my own accord in attempt to settle a debt owed. This account was opened XX/XX/2022 ( 5 months back from this complaint ). The telephone number that I reached in regard to this debt is XXXX. 

The attempt to settle this debt in the amount of {$3500.00} lump sum, had verbally been unapproved. My offer was a proactive decision made to come to a quick and reasonable resolution to clear the debt with SENTRY CREDIT. The lowest offer made by SENTRY CREDIT on XX/XX/2022 was in the amount of {$12000.00} which is 28.24 % more than the actual owed debt per court documents. I am declaring that SENTRY CREDIT has falsified documents and statement amounts and has posted an egregious amount totaled to be {$14000.00}. SENTRY CREDIT has also reported the debt as an individual responsibility when the debt should be a joint responsibility between me and one other party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
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: Their investigation did not fix an error on your report

Complaint:
I have filed numerous complaints with   XXXX   XXXX   regarding fraud on my credit report.  XXXX  has reported a charge off on a credit card that I never signed up to be a joint owner on. I requested proof or any kind of validation records showing my identity and  XXXX  has been unable to provide anything to me. They have disregarded my request and continued to report this error. I filed an ID theft report and submitted it to all   XXXX    credit reporting agencies and   XXXX   has neither answered the request, nor have they deleted the error from my report.     To my knowledge, I have done everything on my end ( including a fraud alert placement  ) to keep my self protected. the last stated balanced amount owed is  XXXX .  XXXX  has stalled the investigation process by simply continuing to ask me to send in more information to prove my identity.  XXXX  should have my identity information if proper channels were followed to open a credit card in my name.     The credit reporting agencies only give me a standard computerized generated response. I can tell that there is not a live person looking into my complaint.

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 2015-06-22
Company: Capital Management Services, LP
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a phone call from Capital Management Services on XXXX XXXX and the representative stated I had an account with XXXX and the balance is {$1000.00}. The representative stated the original balance was {$350.00}, but with court cost and fees the balance is now {$1000.00}. The representative stated I would need to pay settlement balance in full of {$300.00} in 10 days or I will be subject to arrest or property seized. I immediately hung the phone up on the representative. Capital Management Services called my phone back to back, but I did not answer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2020-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has my account with 9 late payments. I have made every single paid every month. I called if as a courtesy they could removed those late payment, since I didnt know what was the exact due date. But a payment was made every month. 
I called Capital One, and they said to call XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have had {$4000.00} in direct deposits on my account this week. 
XXXX XXXX XXXX XXXX My account has a hold on it for XXXX for a check I deposited XX/XX/XXXX. I filed a complaint regarding their banking error. A rep from USAA called me on XX/XX/2016 informed me that they do not accept XXXX party checks, the check would likely be returned back to the issuing bank and another XXXX would be taken from account. My complaint was the same, I never received a deposit of XXXX for this check a second time. I told the person i 'll let it be worked out with with my cfpb complaint. 
they have now put a fraud alert on my account. I can not access my funds to my account at all. I can not use my debit card, I can not pay my bills, I can not go into a bank to withdraw funds, I can not transfer money to another account I can not have the bank wire me money. I feel they have done this in retaliation to my complaint. there was no fraud on my account, the check I deposited belongs to my sister, that lives with me who lost her id. she endorsed the check and I endorsed it and deposited it. the check has not been reported as stolen or anything by the issuing bank. 
I have a mortgage to pay. I have a light bill to pay. if they reverse this deposit-i never received a XXXX time I still have XXXX in my account. If they fix their error I have XXXX in my account. either way I have money available to pay my light bill but they wo n't allow me to do so. so my lights are going to be cut off. I also have travel for work on sunday and no access to my funds to pay for a required business trip.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Trying to get a loan modification since XX/XX/XXXX after the birth of my son and loss of come from my late husband and myself being on maternity leave. Ive received miss-guided and missed leading information from the mortgage company which continues to delay my process. Ive struggling to get the mortgage to hear me out as I want to make things right. XX/XX/XXXX I was able to prove I can afford the mortgage and pay the mortgage but my non-owner occupied co-borrower ( who is my uncle in law ) refuses to comply so I could move forward with a modification. Prior to my husband passing away I was asked to get a quick claim deed ( XX/XX/XXXX ) only to be told that doesnt support my case, I was approved for a variance ( XX/XX/XXXX ) and I was approved for a modification and I completed my three month trial period ( XX/XX/XXXX ) only to be told in my final process of the modification my co-borrower would not be removed after being promised he would be removed with every phone call and conversation I had with representatives.XX/XX/XXXX I was told the reason my modification was not processed and completed is because I neglected to submit a copy of the variance approved by HUD. Is my understanding the mortgage company is typically supposed to request a copy of the variance. As of XX/XX/XXXX I was told the removal of a co-borrower is a case by case situation but my case does not grant that and I was also told it is to the discretion of the mortgage company to obtain a variance. I was told they are not obligated to obtain one especially because they dont feel my case was a necessary situation where they would have to remove my co-borrower. 
I asked why was I approved, why did they make me go through the trial period And pay money knowing my co-borrower was noncompliant from the very start of me requesting a modification ( in XX/XX/XXXX ) only to be told the company felt bad for me for two years and unfortunately that led to me being misinformed and miss guided throughout this process. I have made countless calls and requests to get answers and understand why am I receiving this type of treatment only to be told I could not speak with a manager or a supervisor and they could not provide me with appropriate information to file a complaint. To date I struggle with finding out how to reach out to corporate because I was told that is not something they have to share with me. I need help as Ive struggled to get help or accurate information well trying to file for a mortgage modification. My husband passed away XX/XX/XXXX and it has been my desire as well as my families to keep our home. Im determined to make things right and to pay but Im finding difficulty working with my mortgage 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 2022-08-29
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: Problem with personal statement of dispute

Complaint:
I sent in a dispute for all of the 4 Charge off accounts on XX/XX/2022. I then called on XX/XX/XXXX to check the status and on XX/XX/XXXX I was sent an email from XXXX stated they were verified. And that can not be true because on XX/XX/XXXX, they told me that they needed to place a dispute with the companies, and it could take up to 30 days and I went over the accounts. So how can I call on the XXXX and then receive a " verified '' status on the XXXX. That is false investigation and I demand that they have these accounts removed immediately. Not only are they reporting inaccurate information, but they also have my account linked to the wrong social security number as well. I have been disputing these accounts on all 3 credit reporting agencies for over a year and they have continuously reported inaccurate items taht need to be deleted. This has caused stress for me and my family and our financial stability to take care of our family. I have suffered from stress and XXXX dealing with the credit reporting agencies and there inadequate and wrongful reporting 's according to Fair Credit Reporting Act.

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 2022-08-29
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I sent in a dispute for all of the 4 ChargXXXX off accounts on XX/XX/2022. I then called on XX/XX/XXXX to check the status and on XX/XX/XXXX I was sent an email from XXXX stated they were verified. And that can not be true because on XX/XX/XXXX, they told me that they needed to place a dispute with the companies, and it could take up to 30 days and I went over the accounts. So how can I call on the XXXX and then receive a " verified '' status on the XXXX. That is false investigation and I demand that they have these accounts removed immediately. Not only are they reporting inaccurate information, but they also have my account linked to the wrong social security number as well. I have been disputing these accounts on all 3 credit reporting agencies for over a year and they have continuously reported inaccurate items taht need to be deleted. This has caused stress for me and my family and our financial stability to take care of our family. I have suffered from stress and XXXX dealing with the credit reporting agencies and there inadequate and wrongful reporting 's according to Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Midwest Recovery Systems
State: CT
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midwest Recovery Systems LLC appeared on my credit report in the amount of {$890.00}. I have never heard of this company before. When I contacted them, they said that I had taken out a payday loan on XX/XX/XXXX I did not take out such loan on that day as I was not working at the time. As well all of the banking, home and email address information was old. I have not had that bank since XX/XX/XXXX and that bank went defunct in XX/XX/XXXX. I have not lived at that address in over XXXX years. As of XX/XX/XXXX it had been over XXXX years. That email address had not been my email address since XX/XX/XXXX. However, for some reason, when I did call they tried to get me to tell them my social security information but did know the last XXXX of it. Now, they are insisting that I owe this money. I know for a fact that I do not owe this money, who takes out a payday loan when they are not, in fact, WORKING and getting pay or have a payday? Not to mention, payday loans are ILLEGAL in the state of XXXX. Please stop your attempts to collect on a debt that is not owed to your client.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing in concerns to my credit report which reflects a lot of un authorized and fraudulent accounts. i am a victim of identity theft. Please block and remove all inquires and fraudulent accounts and charges. I would like to have my credit report accurate. Please block these fraudulent information from my credit report, pursuant to section 605B of the fair credit reporting act,.

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 2020-09-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing in concerns to my credit report which reflects a lot of un authorized and fraudulent accounts. i am a victim of identity theft. Please block and remove all inquires and fraudulent accounts and charges. I would like to have my credit report accurate. Please block these fraudulent information from my credit report, pursuant to section 605B of the fair credit reporting act,.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: DriveTime
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have an auto account with Drivetime. When I am late with a payment, drivetime calls me on the telephone three to four times per day. 
Drivetime starts calling me at 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