BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: IQOR US INC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I do not have the last date that I spoke with Allied Interstate LLC it was sometime in XX/XX/XXXX. When they first called me at work I requested that they did not contact me at work and that the debt that they owe I do not owe what they say I do. I disputed it with XXXX stating that I was two payments behind and I tried to make a payment over the phone to get it caught up but they wanted to charge me a fee so I said I would go online to make the payment. This was over two years ag and they said they shut my online access off and they would not take my payment over the phone of which at the time was only {$50.00}. They said that they would reinstate my online access but I was to either email or mail them a copy of my drivers license and copy of my social security card. I refused to do either one I am not stupid. 

I requested XXXX to have them removed from my credit report since I made multiple attempts to get this caught up and it was but this was prior to Allied buying the debt from XXXX. 

Today ( XX/XX/XXXX between XXXX and XXXX ) I received a phone call from Allied at work the name of the rep. was XXXX XXXX and I told him that they were not to call me at work but he kept on speaking wanting me to verify my date of birth and so on. I informed him that he was violating my request to not call my work and that I was going to file a complaint. He seemed to not even care at all. I do not owe this debt I will not pay this debt. I want this debt removed from all my credit reports and I do not want it resold to another agency. I tried to make payments the company refused to accept the payment and then on top of it requested personal information that could and probably would have resulted in identity theft of which has already happened more than once with me. 

Allied is not to contact me period this debt as far as I am concerned is not owed by 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 2022-12-21
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
M & T locked my online access to my account, they indicated I have to go to the branch to resolve this issue. However, I have moved and is travelling outside of M & T foot print and could not visit a branch. 

I have spoke with their Fraud team, customer service, Branch, and Executive Complaint team on numerous occasions and no one is willing to resolve the issue M & T is illegally holding my fund and prohibit me access to my checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-05-11
Company: Experian Information Solutions Inc.
State: NV
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:
There are a couple of accounts on my credit report that I do not recognize. I also have a bunch of inquiries that I did not authorize. There are 2 addresses I have never lived at. Please remove them immediately.

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 2018-10-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I was informed by Chase bank that my checking and saving will be closed, no reason given. 
On XX/XX/XXXX, I was told my accounts were closed completely and my fund $ XXXX should be sent to me by cashier check soon. 
However, I did not receive the check so I called Chase again, I was told my funds are being " investigated '' by " banking team '', no reason given, no time frame given. I have called more than 5 times about this, and the same answer given by Chase. 
Today is XX/XX/XXXX, I called again and still the same answer and no estimate completion time provided. 
All my funds are legal and mine. I need Chase to return my funds asap. I don't see they have a right to hold my funds for so long without giving any reason or completion estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly asking this company to contact me at my place of employment. This was done in XXXX of XXXX, XXXX of XXXX, and today, XX/XX/XXXX. The gentleman, XXXX XXXX as he stated, who contacted me was very abusive and used threatening language during the call, yelling at me, and telling me to pay my bills, etc. Despite the numerous times I have asked the company to refrain from contacting me at work, they continue to call. I previously provided an alternate means of communication and they continue to contact me while at work, putting my job in jeopardy.

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 2019-08-07
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, INC.
State: MD
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:
Equifax Inquiry Names : XXXX XXXX - XX/XX/XXXX XXXX - Card Services - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I have contact Equifax numerous of times about the above unknow inquires on my credit report and to provided me written documentation or proof that I have indeed applied for these account above. Equifax continues to updated my account as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I 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 non-monetary relief
Consumer complaint received 2023-04-17
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Information belongs to someone else

Complaint:
I have a particular account that is stating that I owe {$10000.00} and it is listed on my credit report. I reached out to them via mail on several occasions for validation and I have yet to receive a response. 

I recently reviewed my credit report and it says that the account is still opened.

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 2021-05-11
Company: Amsher Collection Services, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Collection Serv XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX continues to add a fraudulent account to my credit report destroying my credit rating. I have student loans that are I deferment but my revolving credit is excellent. All my credit cards have been paid 100 % on time. I have disputed this and won three times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It has been added to my credit a fourth time. I have no knowledge of this account. The company can not provide any signed documentation nor confirmed identity that I created this account. I have no idea where this account t came from and I have not seen any documentation supporting their claim this is me because they do not have any. I want to file a complaint on all three credit bureaus as well XXXX, XXXX and XXXX this be removed and not be allowed to unfairly negatively impact my credit score for years and it does not belong to me. I have 60 months of on time credit payments but yet my credit score is under 600 how is that possible. I havent been late on a credit card in five years, I pay my bills when I am able.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: Experian Information Solutions Inc.
State: IN
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/2019 went to XXXX 's XXXX to pick up a used car I purchased with financing done by XXXX XXXX XXXX XXXX out of Ohio, I had purchased a vehicle from XXXX 's before using this this type of financing. Upon arrival they did not want to release the car and XXXX XXXX from the finance department wanted me to finance though XXXX 's and then refinance again through my credit union again for the vehicle. I refused, this unknow to me at the time would have allowed them a {$250.00} fee for the financing to XXXX 's XXXX. They did release the car after I covered the car with my XXXX XXXX XXXX. On XX/XX/2019 I received a credit alert from XXXX that a credit check was preformed that I never authorized from XXXX 's XXXX. This was reported to all the credit reporting agencies. Experian ... .etc.. 
I am a XXXX Veteran and trying to purchase a home and not only is this unlawful but the credit check lowered my credit score. The high pressure financing was just a ploy to make {$250.00} dollars. Even after the monies were sent to XXXX 's the finance department was unaware of receiving the monies. I had to have XXXX XXXX XXXX call and remind them the monies were received by their finance department.

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 2020-11-04
Company: Aargon Agency, 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: Information belongs to someone else

Complaint:
The following accounts listed below are fraudulent accounts and doesn't belong to me. 
They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : AARGON AGENCY INC # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payment from this account : XXXX XXXX XXXX XXXXXXXX

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 2022-12-22
Company: ARVEST BANK GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I had filed XXXX  XXXX in XXXX and paid I to it for 2 years. I paid well.over the amount I had filed for. In XX/XX/XXXX, my attorney had asked for payments to be stopped since I had paid way over. The courts dismissed the XXXX  XXXX and I made a payment to the mortgage co to.be back on track,, they took the payment and the next month I went to make a payment again and they advised me they could not take my payment because I was in foreclosure. The, Arvest Central Mortgage is not wanting to work with me on making my payments. This is an ongoing problem with Arvest. I have been In My home for 15 years and can not afford to walk away. Nor can I afford to.pay lawyers to take my case. Everything else was paid off in the XXXX  XXXX and the mortgage as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I ordered 6 hoodies in total from the clothing company XXXX, however I have not received them. I ordered 4 on XX/XX/XXXX for a total of {$180.00} and then ordered 2 more on XX/XX/XXXX for a total of {$150.00}. The money was taken out of my account the day after I purchased the items but the products never came. I've tried emailing and messaging the owner of the business but he has not been responding to anything I sent. On XX/XX/XXXX I filed a dispute with capital one so that they would return my money which was a total of {$340.00} whoever, they told me I waited to late to file the dispute so they could not do as I requested. The website of the company has changed since the purchase XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Certified mailed of dispute to Transunion in XXXX to remove incorrect name and incorrect employment and information under status of employment ( XXXX ). When a received copy of report all the incorrect information was not removed as requested.

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 2022-11-16
Company: Experian Information Solutions 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:
Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'd like this late payment removed ASAP : XXXX 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 2020-11-08
Company: Credit Card Receivables Fund Incorporated
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : 1. UNIFUND CCR {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ) 2. UNIFUND CCR {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX  ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX XXXX My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation