BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The three credit reporting bureaus ( XXXX, Experian, and XXXX ) require me to mail highly personal documents such as a copy of a Social Security card, birth certificate, and driver 's license in order to place a freeze on my daughter 's credit reports. I can place a freeze online for myself, but for some reason they make it more difficult and significantly less secure for me to do it for her. I'm worried about something happening to the documents as they cross the country. It's very insecure to have to mail these documents. I thought they were required to allow me to do it by phone or online. Is this not the case?

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Inaccurate, must remove ( never had this accXXXX XXXX XXXX XXXXXXXX. Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXXXXXX Inaccurate, must remove ( never had this acct.XXXX XXXX XXXX Inaccurate, must remove ( never had this acctXXXX XXXX XXXX XXXX. Inaccurate, must remove ( never had this acct. XXXX XXXX Inaccurate, must remove ( never had this acct. XXXX XXXX XXXX, must remove both acct. ( never had this ACCT. )

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 2017-03-10
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
None of the drop down options explain my problem. There is a collection account on my XXXX credit report. I have asked for written verification of the debt and have not received it. Also, they are reporting on my credit for XX/XX/2017 the same month I received a letter from a different company about the same debt. Neither company have provident written verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been incarcerated since XXXX/XXXX/XXXX I have inquiries 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 non-monetary relief
Consumer complaint received 2021-01-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two mortgage 's with two different companies, one has been fine while the other ( Citizens One Home Loans ) has continuous issues with billing and payment processing. The most recent incident was frustrating because I received the statement for my XX/XX/XXXX payment, I paid the payment as billed, but in progress the company changed the payment amount for the month of XXXX XXXX payment which was already billed and paid. They received my payment check, cashed it, but never applied it to my loan. Subsequently, after the payment due date I'd received another bill for the XX/XX/XXXX payment due with a different payment amount. The new bill didn't reflect the payment I had already made, so I checked their website. The website reflected the money I sent as received, but not appied to my account. I was being held in a suspense account. I called to inquire and they said that because it wasn't sufficient to cover the newly billed amount they couldn't process the partial payment. 

I called regarding the issue after 2 hours I was advides the company would not apply the payment as of the date they received funds which I feel unfairly allowed them to hold my money and continue to charge me interest on a higher principal amount for a period of time as result. 

I feel it was also confusing that they send new statements for the same due date as previously billed having a different payment amount, I would think that if a change was needed it should have been effective the following month which had not yet been billed or paid. Neither the statement or the website reflected that I owed only the difference from the amount I'd already paid and the new statemented amount. Neither the statement or the website explained why the payment I'd already made was being held in this suspence state. 

I feel their practices are deceptive and unfair to the consumer. My second mortage company sends clear communications and consistent billing, while this company is sending me different statements every over other week without clear communication of why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I froze my Consumer Report account, and I would like to unfreeze my Consumer Report but I can't get in contact with anyone at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
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:
A vehicle that I previously owned was taken into impound. I have shared the report of sale from Washington state, and the name and contact information of the buyer with the credit agency, yet they refuse to remove this from my record. It is seriously affecting my once stellar credit rating, costing me time and money in my real estate transactions.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I feel that Wells fargo charged me more than supposed to on my auto loan. they are currently being sued for doing this to millions of their customers.

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 2021-01-08
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter, then a phone call from Fox Collection Center XXXX. On XXXX, XXXX at XXXX XXXX.This was a bill for {$3600.00} thru XXXX XXXX XXXX XXXX. Upon talking to them it was for a XXXX XXXX that occurred on XX/XX/2020 while working at XXXX XXXX in XXXX Tennessee. I was taken unconscious to XXXX XXXX XXXX in XXXX Tennessee, that bill of {$210000.00} was taken care of when transferred to XXXX XXXX in XX/XX/2020. I have been granted SSDI. Why are they HARRASSING me and telling me to contact XXXX XXXX XXXX, why is this coming up a year later. Why is it being reported to the credit companies they say it is not there problem. HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I sent Transunion a letter XXXX XXXX 2015 questioning several accounts on my credit reports. I sent the same letter to the other XXXX credit bureaus. They responsded. Transunion has not yet responded and it is way over 30 days. They were supplied with copy of my drives license, social security card, and a current bill copy. No reason to not write me back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: Firstsource Business Process Services, LLC
State: ME
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After being advised of a large debt on my credit report on XX/XX/XXXX, I contacted XXXX on XX/XX/XXXX, who very vaguely told me that my account was " Charged-Off '' and I needed to contact FirstSource ( the collection agency ) which XXXX supplied the phone number to me. I asked XXXX to send me a copy of my back statements so I could find out what happened & when. As of this date ( XX/XX/XXXX ), I still have never received anything from XXXX XXXX. I then contacted FirstSource on XX/XX/XXXX and asked them about my account. I was told they just received the info. They looked into it and contacted me back the next day ( XX/XX/XXXX ). Since then I was getting a call a day from FirstSource, occasionally 2 or 3 calls a day, until I asked them to not call me every day about it & I was looking into the matter. On XX/XX/XXXX, I received an envelope from FirstSource postmarked XX/XX/XXXX with copies of my statements for the past year, and a letter from them dated XX/XX/XXXX. 

Going back through all my previous statements, I found that this automatic withdraw payment problem with XXXX XXXX has been going on since XX/XX/XXXX. I do not look at statements every month and knowing my other XXXX XXXX accounts are on an automatic withdraw payment plan with no issues, I did not know there was a problem. To this day, I still have not found or received any info from XXXX XXXX advising there was a problem with this account. Every month, XXXX has been adding late fees, returned payment fees, interest fees, and changing the APR rate ( there may be more that I am unaware of ). The amounts keep changing, some months are higher & others are lower. 

When I originally spoke with the lady at FirstSource, she agreed with me, seeing my information coincided with what she was seeing. 

Another issue compounding to this problem was my original XXXX account number had been compromised. XXXX issued a new card with a new number. 

I received 2 from calls FirstSource last week, 2 more calls on XX/XX/XXXX and another one last night.

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 2021-01-08
Company: FISERV INC.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am a struggling XX/XX/XXXXlike so many are. 

I have been using my own personal credit cards to inject money to my business. 

I have since been told that's not ok. 

Fine but see the attached email to see what they asked for all things that if nothing else I would not give them anyway. They are asking for a customers personal information and my banking statements? Is that even legal? 

But here is the real problem they have held every deposit I should have received and I can't communicate with the risk department directly I have email them 5 times no response When I call the company they transfer you to a dead line to leave a voicemail I apparently have done something wrong ok I get it but they should release the money I have earned They cancelled the XXXX dollar charge but they have not given me any deposits this week. But they are withdrawing money every day for fees Please please please please help me.

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 2017-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my report this account from XXXX was previously removed from all 3 of my credit file. Now without knowing and knowledge this company has sold this account to another collection agency and is reporting on my file. This is a illegal 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 2016-11-05
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me.

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 2022-10-12
Company: Avid Acceptance, LLC
State: IL
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:
My finance company does not report correct information to the credit bureau. 
I started my loan with this company XX/XX/2020. Since then I have made my payments on time. 
They are not reporting my payments to the credit bureau and it states on my XXXX report that I owe them {$14000.00} since XX/XX/2020. 

When I called them to ask why they have not updated my report to show that I have made on time payments for the last 2 years, I was advised that " they do not report to the credit bureau unless you are more than 30 days late or you have paid the loan off. '' This is keeping my credit score from going up since this is the biggest loan I have at this time and it shows as negative activity when the amount has not changed in 2 years. 

This is also keeping me from getting a home loan.

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 2023-02-24
Company: EQUIFAX, INC.
State: OH
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 have filed and submitted necessary documents regarding Identity Theft and sent by way of certified mailings which included a FTC Identity Theft REPORT, a copy of my Identification, Consumer Statement with applicable highlighted items on my copy of credit report and none of the Credit Reporting Burals have made an attempt to preform according to the law and statute which should have a block and removal of all items reported by me that are in a way or another Identity Theft within 4 days upon receipt of the complaint which was done on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Self Financial Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
SELF LENDER INC CLOSED MY ACCOUNT FOR NO VALID LAWFUL REASON WITHOUT ANY NOTICE OR MY CONSENT - WHILE HOLDING ON TO MY DEPOSIT AFTER 1 YEAR OF USE - THEY HAVE BEEN NON RESPONSIVE TO MY EMAILS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I tried to dispute this case with BB & T and was treated very poorly in many nice words.I am attaching the letter I gave them. I overdrew my account XXXX yet I got charge XXXX times for a total of {$460.00} instead of {$72.00}. Why am I disputing this? Well according to their posting procedure which should have been posted in order I would not have had this issue. I first spoke to the senior personal banker and I know she do not really wanted to clear this.I am just speculating. I apologize if I am wrong. I also spoke to the manager seemed to understand but said to me that It would not be fair to treat me special ( XXXX/XXXX/2015 ) .I do n't care to be special just do n't rob me or anyone blindly. At least XXXX XXXX XXXX and XXXX do not deceive their customers in their disclosures. They state clearly that they can change posting orders which I am sending to you to see what they have on paper. 
BB & T representative at the branch said it is considered a hard posting. I do n't see how the computer system coincides with their policy. I am willing to take them to arbitration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Simon's Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've contacted Simon Agency Inc regarding the report and they admit that the name is incorrect. However, they are still refusing to remove this false information from my credit. I informed them that I was a victim of identy theft and they are refusing to comply. 

Attached is a copy of the FTC report updating adding them to my fraudulent accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX has filed negative and/or derogatory claims on my credit. These claims do not belong to me. The claims are for approximately {$200.00}. 
I sent a letter to XXXX. XXXX on XXXX XXXX, 2016 disputing these claims.

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 2020-03-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have disputed several times and they say they have deleted it. I have the deletion document but it still has remained on my report despite deletion multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Northstar Location Services, LLC
State: NC
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 received a letter from Northstar Location Services LLC on XX/XX/2020 that because of the age of a debt, they wold not sue me for it and XXXX XXXX XXXX or XXXX will not report it to any credit reporting agency, however this account is being reporting from XXXX XXXX XXXX as of XX/XX/2020. The account number referenced is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Navient Solutions, LLC.
State: MD
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:
They would try to agressively collect money from me over the phone. I paid them all of the money I owed. They would n't work with the repayment arrangement and I have derogatory information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Source Receivables Management LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been requesting for your company to provide me validation of this alleged debt for clarification but I have not yet any information. I need to know which information has been shared and see if my rights to privacy have been violated.

Company response to consumer: Closed with explanation