BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-01
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is against the company " Diversified Consultant ''.     Currently, they are reporting that I owe them a total of {$750.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : "  XXXX  ''. My report indicates that the account has an " open date '' of   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've  suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Investment Retrievers, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
my car was repossessed while i was in forbearance with XXXX. this should not have happened the car was almost paid off the loan amount was orginally for XXXX and i paid it down to XXXX ( XXXX payments left ). i lost my job while pregnant and notified XXXX immediately. no repossession fees and interest fees from 2013 have been added and are in collection on my credit report as if its a new debt. this isnt owed and it is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Stephens and Michaels Associates, 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 was paid

Complaint:
Debt was paid/ settled in full. The company agreed to remove the debt from my credit report. Instead, the company updated the credit report to show a past due amount minus the amount I paid. This is unacceptable. I would not have paid a dime unless the item was going to be fully removed. 

I have filed a complaint with my credit card company as well. The call was recorded and I am very clear on what I agreed to with the company. After reviewing several websites, this company has a track record for shady practices and unfair collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never had a mortgage with Bayview Financial. 
I have disputed this item numerous times. They said they my mortgage, however, I have n't ever had a mortgage with this company. I 've asked for documents bearing my signature. 
However, nothing has been provided to me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: WELLS FARGO & COMPANY
State: GA
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: Was not notified of investigation status or results

Complaint:
Wells Fargo Home Mortgage failure to MOV, pursuant to FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.

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 2022-01-23
Company: CarMax, 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: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized this inquiry. Never heard of the company. Never gave a written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Upgrade, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not do this, someone took a stand by cash account out in my name. 



Changes Previous Report XX/XX/XXXX Latest Report XX/XX/XXXX Credit Report Period XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Condition Derogatory Derogatory Responsibility Individual Individual Current Balance XXXX XXXX Original Balance XXXX XXXX Limit XXXX XXXX Monthly Payment XXXX XXXX Last Payment XX/XX/XXXX XX/XX/XXXX Status Collection / Charge-Off Collection / Charge-Off Loan Term XXXX XXXX Loan Type Line of credit Line of credit Opened XX/XX/XXXX XX/XX/XXXX Reported XX/XX/XXXX XX/XX/XXXX Remarks Charged off as bad debt|Canceled by credit grantor Charged off as bad debt|Canceled by credit grantor Creditor Information XXXXXXXX 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 XXXXXXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Argon Credit
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
A previous complaint was filed against Argon Credit XX/XX/XXXX regarding violation of Alabama usury law ( 8 % interest ) on {$2000.00} personal loan, and this account was paid in full back in XXXX XXXX. Argon Credit kept reporting this loan as delinquent on XXXX, and I filed a dispute in which XXXX verified as being paid in full on XXXX XXXX, XXXX. This bogus account was placed back on my XXXX Credit report as having a {$500.00} balance on XXXX XXXX, XXXX. I disputed this, immediately, two weeks ago, and then I remembered that XXXX had already verified as paid in full. Today, I called XXXX to find out why it was deliberately violating FCRA and was told by a phone tech and XXXX supervisors that Argon Credit did not respond to the dispute within the required 30-day time, but " XXXX gave Argon Credit additional time to correct the record. '' Argon Credit failed to respond to my dispute in a timely manner. Argon Credit is well aware that federal law requires it to respond within 30 days. XXXX XXXX, XXXX is way over the period to respond to a dispute. And, as Argon Credit is no doubt aware, failure to comply with federal regulations by credit reporting agencies and creditors is a serious violation of the Fair Credit Reporting Act and cause for an investigation by the FTC. I have a copy of the dispute results from XXXX back on XXXX XXXX, XXXX, and this is a blatant violation. I am requesting this matter be resolved, immediately, or else I will be resolved to take legal action to protect my rights. 

Argon Credit is knowingly using " parking '' tactics that are spelled out in several court cases that have been won by consumers against dishonest creditors.

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 2020-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020, I closed my Bank of America Checking & Savings Accounts that I opened that week. ( see attachments ) Today XX/XX/2020, I received a bank statement from them as if my bank account is still open. I had already contacted them prior to XXXX ending and verified by phone with a customer service representative in XXXX or XXXX XXXX that my account was closed and no other accounts or credit cards, loans existed. 
I need your ( CFPB ) assistance in assuring that they've not reopened my closed account to attain any services mentioned ( loans, credit cards, business/investment accounts, stocks, healthcare, savings, bonds, etc. ) by using my name and/or social security number. ( See attachments ) FYI : Please be advised that I am not a retired military veteran/spouse or dependant of any such members by these years of my life. I am unsure why your system won't allow me to remove. 
Thank you, 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 2015-07-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
case # XXXX / Bayview loan forclosed without hearing/sold my property without hearing and today changed the locks, I can not get anything to include my vehicles they did it WITHOUT HEARING thanks to corrupt layers and judges XXXX county XXXX XXXX of a way to treat a XXXX vet but then again you do n't give a XXXXCASE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: BYL Collection Services
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Recently I had my credit checked out to see if I was eligible for a car loan to my surprise I came to find out i have XXXX outstanding medical bills this being one, they do not belong to me since I was never notified the existence of such bills. As you know these bills affect my credit score and my chance of moving forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I submitted a complaint due to a request submitted to Transunion to verify late payments on the following account : XXXX XXXX. Due to not receiving a response, I submitted a complaint. To date, I have not received any verification documents to prove that this account was ever late! Transunion instead closed the case stating that I would receive documents in the mail verifying the account was late ( which I never received ) and they also put in the case about verification of personal information which had nothing to do with the case submitted. I submitted my photo ID + proof of address as always. 


Late payments in question : XX/XX/XXXX, XX/XX/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 2022-10-25
Company: Experian Information Solutions Inc.
State: IL
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:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS 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 2022-01-23
Company: MoneyLion 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 information incorrect

Complaint:
I originally opened an account with XXXX  that was paid in full on XX/XX/2021. Payment was processed and confirmed by XXXX XXXX for {$330.00} confirmation number XXXX. The payment was made via bank account ending XXXX. Account reflects zero balance on website yet they refuse to update account with credit bureaus. They are reporting that the account is still open and in charge off status with a balance due of {$330.00}. I want this account either updated to reflect a zero balance dating back to XX/XX/2021 or removed completely. XXXX has several lawsuits and claims already filed against them for incorrectly reporting accounts to the credit bureaus. I have called and emailed several times over the last few months to get this rectified and they have done nothing about it after months of promising to fix it. I have also disputed it with all three major credit bureaus yet XXXX keeps reporting that the account balance is valid. The credit bureaus should be held liable as well since I've submitted proof to them several times which included the payment receipt yet they have not removed it either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Following up on a previous complaint ( ID : XXXX ), I confirmed that American Express does NOT have a Welcome offer that ever states that the card user must purchase {$5000.00} in 3 months to receive 75,000 points. Screenshots from XX/XX/XXXX & XXXX, XXXX, as well as XX/XX/XXXX all indicate that the user must spend {$4000.00} in 6 months. The only change is the ability to receive 60,000 or 75,000 points. However, I signed up for the original offer to spend {$4000.00} in 6 months to receive 75,000 points. American Express has never provided me physical proof that the Welcome Offer I signed up for was the {$5000.00} in 3 months, as it does not exist and I did not sign up for that. I specifically signed up for the Welcome offer to spend {$4000.00} in 6 months to receive 75,000 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX and I'm submitting this complaint myself there is no third party involved. 

I XXXX XXXX, consumer, natural person, and original creditor demand pursuant to 15 usc 1681 ( b ) - Permissible purpose i have no knowledge or consent to the inquiries that Transunion have reported to my credit file.

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 2017-06-20
Company: GSI  Recovery, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Amount placed on collection is XXXX, XXXX dollars reported by XXXX on XXXX XXXX, XXXX, they knowingly reported a collection as delinquent which has adversely affected my credit, this is a workers comp case which is still pending and this should have never been placed in collections, this is a violation of the FCRA and this needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: U.S. BANCORP
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to register a complaint against US Bank for the unauthorized withdrawal of {$1400.00} from our bank account. I am attaching a letter where US Bank admits this was an error. An error that nearly caused us to bounce several checks. It took us several hours on the telephone For US BankTwo admit That this was a mistake And to clear it up

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 2022-01-23
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: ZWICKER & ASSOCIATES
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ZWICKER & ASSOCIATES, P.C. ATTORNEYS AT LAW From : XXXX, Ma. sent a sheriff deputy to my house trying to sue me for a credit card debt that I am disputing with XXXX XXXX due to the fact that my information has been compromised with XXXX and XXXX  and others. 
I wrote to XXXX XXXX and they never responded. I am requesting validation of the debt. My personal financial information has been compromised in a few sites and I been trying to clean this mess for a long time. This creditors and lawyers use the law to intimidate and harass customers and I don't appreciate the fact that a sheriff came to my house to serve me paperwork to sue me. As a consumer I have rights and I don't understand why is so hard to provide the validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've have disputed this account with XXXX XXXX XXXX last year in 2019 and they didn't have sufficient information to come after me for debt because the debt isn't mine.Once it was proven debt wasn't mine the company ceased collections and removed negative information off my credit report. Now I see Credence bought this debt from XXXX XXXX XXXX  from a portfolio of paper ( debt ). Its my understanding that its illegal and a violation if debt was deleted from my credit report and reinserted from another company? My attorney XXXX XXXX XXXX, XXXX, Florida  told me that if any company try to buy that debt and try to collect to let him know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07
Company: NAVY FEDERAL CREDIT UNION
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:
XXXX is stating Navy Federal # XXXX is reporting my account as Refinanced and that's not true. The loan was " PAID IN FULL '' and " PAID OFF '' early, so why would it be reporting as refinanced. 

XXXX Status states " Paid Satisfactorily '' the loan was paid in Full. Navy need to ensure XXXX is reporting this information correctly as it affects my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Apex Mortgage LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NMLS ID XXXX ) of Apex Mortgage LLC ( NMLS XXXX ) was the lender handling the loan process in selling my parents family home to the buyer. The original offer from the buyer was accepted on XX/XX/XXXX. The contract entered the lenders office for underwriting and approval the last week of XXXX. On XX/XX/XXXX, XXXX  told my realtor, XXXX XXXX of XXXX XXXX, the buyer had the clear to close. However, nothing came of it. After several attempts to contact XXXX who was no longer responding or would tell us he would call us back and not, we had not successfully closed. XXXX, when he decided to respond to XXXX, the buyers realtor, or myself, would provide vague reasons and excuses. This went on for weeks. Some of the information we were given was incorrect and almost a blatant lie. Between XX/XX/XXXX, and XX/XX/XXXX ( when we decided to void the contract legally ), we were told we had the Closing Disclosure and Clear to Close 2 separate times. In-between, it was excuses, lack of communication, and inaccurate information. After doing some research, we, the sellers team, discovered that XXXX is not licensed in Maryland, only Washington D.C. We were not sure how he was originating the loan if he is not licensed. He told my realtor, XXXX, and myself he has completed over 30 transactions in Maryland. 
XXXX  not only cost us time in the housing market but also cost my family close to {$10000.00} dollars due to extra mortgage payments ( XXXX, XXXX, and XXXX ), interest on bills the proceeds the sale of the house was going to cover, and rent for my fathers assisted living ( XXXX ). XXXX consistently sympathized with my family and I and assured us the deal would close tomorrow or On Monday. This man and his company ( he is VP ) are predators and need to be addressed.

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