BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Gulf coast collections calls every day and has been doing so for over a year. They keep stating they will take the number off the list but they do not. Today, they simply told me to tell someone else not to give out my phone number, were rude and hung up on me. I can not control what someone else does. I am old and only responsible for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: AR
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 am a victim of identity theft. I am very upset that my personal information was used without my consent or knowledge. I have requested in writing to the credit bureaus that they remove these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently, I have been making attempts to be better my credit because I am graduating college and will soon be out on my own. In the past month I have paid off over {$1600.00} in debt, by working and saving money. When reviewing my financials I noticed that on the credit site, XXXX I had an account in collections, ( XXXX XXXX XXXX ) " original creditor XXXX XXXX '' .I am confused about this being on my credit report when I signed no contracts with this company and never received any communications from this company, saying if they bought my debt or why this is on my credit report. It says the account was opened XXXX, XXXX 2017 and I owe {$940.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Bread Financial Holdings, Inc.
State: PA
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:
I have a XXXX Visa Credit Card issued by Commenity Bank. 
I received an email from XXXX, the retailer, selling a XXXX XXXX instant pot. At the top of the email it said, Horray! you have an available credit line of XXXX. 
This email came unsecure with my available credit amount in it. 
I contacted Commenity Bank on XX/XX/XXXX at XXXX at XXXX and explained my concern of my available credit being sent in unsecure email and I didn't authorize this and I would like my privacy updated. 
She transferred me to XXXX XXXX customer service. ( I found out they are a division of XXXX ) I explained my reason for the call, she said she couldn't do anything for me. 
I called XXXX XXXX three times at XXXX XX/XX/XXXX at XXXX est, XX/XX/XXXX at XXXX est and XX/XX/XXXX ( twice this day ) once at XXXX and once at XXXX. I was transferred to their corporate customer service. I had to leave a voicemail. I never received a call back. 
I do not want Commenty bank sharing my available balance with XXXX so XXXX can blast that out in an unsecure email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-04
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I cancelled my service with   XXXX   2 months ago and paid my outstanding balance. The clerk on the phone verified everything was balanced. Now I 've recieved a collections letter from Convergent Outsourcing asking for {$160.00} on the behalf of  XXXX . I have never missed a payment for the 3 years I was with them. I never recieved a notice of any kind from   XXXX   that I owed them more money, so I did n't even get an opportunity to dispute or enquire about the charges before my account was sent to collection. Is n't that an illegal practice? So far I have sent a letter to Convergent in response to this matter. Apparently   XXXX   is doing this to many consumers, which unfairly affects people 's credit scores. I have done research, (   XXXX   BBB and CTW for  XXXX  complaints ), that verifies many complaints about   XXXX   billing and collection practices. For anyone dealing with  XXXX  or thinking about doing so, beware. I encourage anyone to  XXXX  complaints for this company as the in formation is very informative. How do they get away with this?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Resurgent Capital Services L.P.
State: AR
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:
I 've been trying to repair my credit and got a notification that there was a collection added to my report. I attempted to contact the number listed but to no avail. I contact the credit card company that it had associated it and they sent a letter saying that they are n't obligated to give any information. 

I then sent a letter to the collection agency LVNV and they are n't responding. I 've also disputed this through XXXX XXXX XXXX on XXXX and they still have n't responded as of yet. 

Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX | XXXX XXXX NA has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: M&T BANK CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I SOLD my house on XX/XX/2019 and the money to pay off the mortgage was 'WIRED '' ELECTRONICALLY in the amount of XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ( {$76000.00} ) to M & T Bank on XX/XX/2019. This was 'VERIFIED ' by Closing Attorney 's office as to the amount of Pay OFF that was due under mortgage account XXXX. To date ( XX/XX/2019 ) M & T bank has NOT UPDATED to show that I have a XXXX balance with them and that the mortgage is PAID IN FULL. This is effecting my " CREDIT '' and should have been UPDATED BY NOW. I DO NOT OWE THEM ANY MORE MONEY!!!!!

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 2020-03-02
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am referring back to a complaint I submitted last week the company 's response was that they are not affiliated with this loan and they ARE. Loan Care affiliated with law firm XXXX XXXX that took over for XXXX XXXX. Loan Care has mishandled my mortgage and my home is at stake!!

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 2021-06-12
Company: Global Lending Services LLC
State: IL
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 recently checked my XXXX credit report and seen global lending services unauthorized inquiries that I didnt authorized I tried to fix this with XXXX but they told me to contact the actual company according to the law I demand these unauthorized inquiries be remove from my XXXX credit report please. 


Unauthorized inquiries are : Global Lending Services. XX/XX/2019 Global Lending Services. XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We contracted a company, XXXX, who was recommended by our insurance company to project manage our insurance claim. The company did not complete any of the work they had agreed to, did not get permits for any of the work before it began. We paid them over {$9000.00} and then started receiving collections notices in XXXX without ever receiving a bill from them and without them completing any work. We now have stop work orders on our home ( we had to hire our own contractors ) and the building inspector may require us to undo some of the work that is compete to ensure that it was done correctly. Today we received notification that a mechanical lean was placed on our house. I do not understand how the company can do these things without services being provided to us. I can not find a phone number to dispute this matter with the dept collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is an issue with all 3 credit bureaus not deleting out of statute accounts, and not allowing me to re-dispute. They are re-aging tge accounts, and in one instance, the account with XXXX XXXX XXXX was paid off completely, but marked as never paid to all bureaus. This is so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Arnold Scott Harris, P.C.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is a State of XXXX TAX debit which was paid last year and the company calling XXXX XXXX Law Firm ( read XXXX-XXXX  XXXX ) verified I was paid yet they continue to call trying to collect a debit not owed, this was paid direct to the state of XXXX from other tax refunds, the " law '' firm is not actuate and has poor record keeping. 
I am tired of the repeated phone call about a paid debit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Amerihome received my XXXX mortgage. I have confirmation and receipts from both Amerihome and XXXX XXXX, who I bank with. My next mortgage payment was due XX/XX/XXXX. No late charges should be assessed as today is XX/XX/XXXX. According to Amerihome 's policy that is all over their website ... .payments received more than 16 days after the payment due date may require a late charge of {$36.00}. However, agai, the date today is XX/XX/XXXX, today so we are still not at the point to be assessed a late fee. Furthermore, when we logged in to pay XXXX 's mortgage, we see that Amerihome has charged us again for XXXX 's mortgage despite the fact that they received XXXX 's mortgage IN FULL. Repeated contact to the company to correct the issue has yielded no results. We will be moving forward with issuing formal complaints and investigations with this company.We want immediate correction of this issue right away. 
Now, we got a loan document talking about foreclosure when we are not delinquent on any payments. As of XX/XX/XXXX, we owe one payment XXXXfor XXXX only*. 

In conclusion, we have issued statements from XXXX XXXX confirming every single month we have paid Amerihome. There are confirmations of receipt also on Amerihone 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
On  XX/XX/XXXX , I contacted TransUnion directly at  XXXX , regarding an account that reflects as  XXXX   XXXX   XXXX  on my credit report. I advised the individual that this account was paid in  XXXX  and according to their own report the last date the TransUnion received an update from the data furnisher the account was opened  XX/XX/XXXX , and the last date reported was XX/XX/XXXX , which reflected a current balance owed of {$810.00}.  <P/> This balance was paid in  XXXX , and I have advised both Transunion & the original creditor via letters ( by mail ), disputing it on TransUnions website & through  XXXX   XXXX . I have sent  10 l etters starting in  XX/XX/XXXX and the last  three  I sent were in  XXXX ,  XXXX  and  XXXX  of  XXXX . TransUnion at no time investigated the item, they only sent me a copy of my credit bureau.  <P/> In each letter I indicated the account had ben paid off, and that they needed to update the account. Subsequently as a result of TransUnions negligence, I show I have a 31 % credit usage, and I have been denied credit, as well as charged higher interest due to the increased DTI. By TransUnions own records including this {$810.00}, I am using {$2100.00} out of the {$6900.00} available credit on my credit cards.  <P/> If TransUnion had updated the file in  XXXX , as per my request by letter and the dispute process I would only be utilizing {$1300.00} out of my {$6900.00} available credit, which drops me from medium risk at 31 % to low risk at 19 %.  <P/> On my last phone conversation with TransUnion on  XX/XX/XXXX at  XXXX    XXXX  .  C.S.T., I  advised the representative I had a certified letter from the data-furnisher stating they have requested the account removed. I provided the name and phone number of the individual at the data furnisher, and the representative said they would contact the data-furnisher to verify the information. When I spoke with TransUnion later that day at   XXXX   XXXX  . I was advised they did not contact the data-furnisher and would not do so.

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 2021-11-15
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX has failed to remove this inaccurate account from my credit report. I do NOT owe Credit Acceptance any money nor was I ever late. My insurance company settled the balance, and this account was NEVER LATE.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 would like to request the suppression of this item from my credit report. The company has no agreement & is potentially fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}

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 non-monetary relief
Consumer complaint received 2022-04-08
Company: PRONTO FINANCE INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Pronto Finance The company had my wages garnished, and the total amount was paid in addition to fees. They continue to report the account as a NEW Account each month when it is NOT a new account. This is a violation of federal law and regulation. I do NOT have a new account with this organization, and the creditor violates anti harassing law. I am demanding that this abuse and tactic be investigated. I will escalate the issue to a higher federal authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I disputed an item with JPMCB through the CFPB ( consumer financial protection bureau ) in XXXX XXXX, and the company stated the investigation was closed and the company stated the results would remain. I am providing documentation to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: ERC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reached out to XXXX  on XX/XX/2021, to dispute an account that should not be on my credit report as it is not a bill/account that is mine. This bill is from a third-party debt collector that goes by the name of Enhanced Recovery Company LLC ( ERC ) and is representing XXXX XXXX as the original creditor for a balance of {$4200.00}. I disputed this transaction on my credit report through XXXX  and I explained that I wanted the account removed immediately based on law 15 USC 1692b ( 2 ). I looked at my XXXX  account on XX/XX/2021, and see that the bill has an updated status that states the collection account was paid and there is now a {$0.00} balance. This information is incorrect as I have not paid any money as I do not owe any money as this account is not mine. Although the balance is at {$0.00}, it has damaged my credit report which is also my reputation based on law 15 USC 1692d ( 1 ) as my credit score has now dropped 11 points due to the inaccurate information that is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased tickets to a hockey game online. In order to pay, I had to make an electronic payment. As such, I used the service my bank, Regions Bank, compels me to use, XXXX. After making the transfer, I never received the tickets. Neither the bank, nor XXXX, would reverse the transfer. Worse, neither company would provide information that would assist me in helping law enforcement with identifying the scammer. Regions pointed the finger at XXXX, and XXXX pointed the finger at Regions -- both claiming they have no idea who they paid the money to or what accounts or bank the monies may have been deposited in. Regions Bank only recorded the fraud after I insisted that they make a 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 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX had my address recorded incorrectly. They had it recorded in XXXX XXXX and that address was not associated with me after XX/XX/2017.

I never got my statements. I didnt know I owed XXXX   money.

Also, I hAve attached documentation that I was attending school in 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 2019-12-10
Company: Advantage Credit, Inc.
State: FL
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: Other problem getting your report or credit score

Complaint:
Advantage Credit Inc lock our account. We had to re pull our clients reports which could have resulted in a client score changing. This action also could have resulted in the client not receiving a home loan they had qualified for with the report we had pulled from Advantage Credit Inc. Under no circumstance should we have been locked out and unable to use the reports. I reviewed the XXXX XXXX XXXX standing and  found 12 complaints in the last 12 months. We also reviewed the XXXX reviews and found the same issues where they failed to due diligence to update or give access to lenders or brokers accounts. I am very concerned that this company will hurt a consumer 's ability to obtain a loan in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I returned the car back with the keys and everything they are still telling me because of I didnt finish paying the car off im going to owe more than they are selling for can you guys please help me

Company response to consumer: Closed with explanation