BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: AL
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:
Violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10

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 2023-12-05
Company: Westlake Services, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company generated a self-payment of {$650.00} leaving my account in negative, this charge was generated on XX/XX/ without any reason, I called the bank to ask for an explanation and they could not explain what was happening

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bought a saw from XXXX that turned out to be used and defective. There web site said 90 days warranty 30 days free returns. I went back and fourth with them, sending them videos and telling them what I have done several times. They sent me videos on how to put gas in and start several times. 
After several weeks of arguing with them they finally sent a return label and I returned saw. XXXX XXXX apparently never returned funds or Truist Bank never credited my account back. 

Enclosed is tracking number and proof they received the saw. 
Tried to dispute with Truist Bank, 3 times, monies that were to be returned by merchant. 
They said they closed first time because no affidavit. They said they would send and I never received. 

Truist Bank The Charge was {$360.00} on XX/XX/2023 The name of my account is XXXX Contracting Account # 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 2023-06-03
Company: EQUIFAX, INC.
State: MS
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 have double-checked my report and still see these inquiries appearing that I am not aware of where they came from. Listed below are the inquiries ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I Request these items to be deleted on my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just looked at my credit report and NO way do I owe   XXXX     XXXX  {$770.00} I would like validation and what address was this account attached to? This is inaccurate data

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Monarch Recovery Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from Monarch Recovery Management , Inc. on XX/XX/21, claiming debt owed on an old XXXX  checking account of mine in the amount of {$3900.00} and for a settlement amount of {$790.00}. Upon looking into this further by speaking with XXXX, I was informed that there was a lump sum transferred to this account that I have no knowledge of. I next made action to obtain the proper debt validation from Monarch Recovery by sending a Credit Validation letter by Registered Mail on XX/XX/21. I have signed receipt of mail on XX/XX/21, however, Monarch failed to return the validation information to me within the allotted 30 days. It should also be mentioned that upon looking into other consumer 's experience with Monarch, there are anecdotal reports of other consumers receiving fraudulent debt claims from Monarch.

Please let me know if I may provide any additional information. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Someone stole an insurance refund check mailed to me and Chase Bank cashed it. The name on the back of the check was XXXX XXXX ( hard to read ) but clearly not my name XXXX XXXX which was on the front of the check. It took me months to convince XXXX that I had not cashed the check and I demanded a copy of the front and bank, that is how I figured out that someone had stolen the check and cashed it in XX/XX/2023. I filed a complaint with XXXX fraud department after getting the run around. I also filed a fraud complaint with Chase bank to this day I have never received a reply to my fraud with Chase. XXXX required I file a police report, which I did and alot of other hoops which I have done. XXXX is saying since they mailed the check it was out of their hands. I told them I have called Chase, filed a fraud with Chase and no reply. I finally was assigned someone at XXXX but every month they say their bank is working on it. Both XXXX and Chase have taken so long to take this seriously the detective said their was not anything XXXX can do it was up to the Chase. I called a contact I knew at Chase local branch and she suggested I call XXXX. I spoke to XXXX at Chase on XX/XX/2023 and she told to email XXXX XXXX XXXX, chase.com I have emailed several times and to this day have yet to receive a reply from Chase. The amount of the fraudulently cashed check was {$5000.00}. This has been over a year chasing down not only my refund from XXXX but then to find out it was mobile deposited by Chase in XX/XX/2023 and not receiving any reply from Chase is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 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 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 2022-01-31
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
After sending the FTC report of identity theft in XXXX and XX/XX/2021 XXXX XXXX XXXX sent me a letter on XXXX XX/XX/2021 threatening to extort me. This is a racketeering activity and conspiracy to commit racketeering activity carries a sentence of imprisonment of 20 to life. Telling me that I must pay this amount or we will violate your right to privacy by reporting late payments to the credit reporting agencies without your written permission to ruin your financial reputation which equals extortion. They committed identity theft by not getting consent to furnish negative items to my consumer 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 2023-12-15
Company: Experian Information Solutions Inc.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-20
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received a letter from Tower Loan on XX/XX/2023 saying that they were going to approve to lend me money. They or This 3rd party person suddenly changed their mind about not lending I believe because of civil rights discrimination? They really did wasted my time and fuel for driving down to their office causing me to have serious problems with money damages. It should be considered as sabotage for false advertising and extortion against me on my personal reputations Thier manipulation on Credit inquiries against me from leveling up As a loyal customer they turned me away from getting a personal loan. These narcissists only interested in ruining my life they punctured my credit score from building up. Im done dealing with Tower Loan in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a loyal card holder of Citi Bank Best Buy card since I got the card. I was paying my bills XXXX percent of the time. 
I was laid off in XXXX with money owed by the previous employer. Shortly unforeseen event where I has emergency medical expense that was needed to all be paid out of pocket. 
I contacted Citi bank to inform them the situation proactively and they basically told me no they dont care unless I start to miss payments. 
Once the unforeseen events started to effect me in addition to a passing in the family. I had no choice to start missing payments. 
They only email me on occasions and if they call never leave any message so unless I answer which only has been about XXXX occasions. I never know the called. 
My compliant is I can never get a hold of any one when their emails said to log in and chat with some one. 
I log in and try chatting in writing and never get a hold of any one. 
I just received another email few days ago telling me I need to pay before they send my account to collection. Again, waiting and waiting no one ever answers. I took screen shot of the chat for proof that I tried multiple time to informing them and no effort to work with me what so ever.

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 2023-07-20
Company: Affirm Holdings, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I purchased supplements from a company called XXXX and then they signed me up for something I did not want and then a payment was due I made a complaint very early and then the next thing I know, Im threatening a lawsuit because I was being charged for something I didnt want and I wasnt receiving. And they sent me to collections THIS IS FRAUD The XXXX company sent me a complete refund email to take care of this and now XXXX/ affirm needs to get it off of my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: PLANET HOME LENDING, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The two companies at issue are XXXX XXXX XXXX and Planet Home Lending. The loan was transferred to Planet Home Lending in XXXX of XXXX. 

The mortgage companies have been charging me for real estate taxes and homeowner 's insurance through an escrow portion of my monthly mortgage payments. However, since loan origination in XXXX I have always paid the real estate taxes directly to the City XXXX XXXX. And I have always paid my homeowner 's insurance directly to XXXX XXXX XXXX. 

I have provided proof to both lenders that I make payments directly to these entities. An I have requested from them that they provide me with copies of bills paid and the names of the municipality and insurance companies they have paid out of my escrow account. 

They have refused to provide copies and receipts of payments made from my escrow account. They did provide a transaction report but that does not identify where the money is being sent. And they continue change the escrow portion of my payment, when in fact, I should not have an escrow account since I pay taxes and insurance directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: SC
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: Their investigation did not fix an error on your report

Complaint:
The company is XXXX I paid off of my accounts in XXXX theyve reported late for XXXX and XXXX. Ive emailed the appropriate credit reporting agencies with proof and I have yet to get a response. When Ive called XXXX in the past month representatives have hung up on me or said theyve put in a trouble ticket which XXXX I call the following weeks they have yet to provide me with any information and everyone I call I can never speak with someone in the back office thats supposedly handling my case. Meanwhile my credit score is dropping XXXX points every month since XXXX due to this error. I have provided evidence Ive emailed XXXX customer care and Ive mailed documents supporting the accounts as paid to Experian in which they have yet to fix these mistakes.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification.

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 2023-02-06
Company: Mr. Cooper Group Inc.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company Mr. Cooper failed to pay real estate taxes and when I brought to their attention they say that it was their fault that they did not collect but now I have a {$5000.00} deficiency in escrow and are raising my payments by 54 % which changes my payment from {$1100.00} to {$1700.00}. I can not afford this type of increase and this might cause me to default on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
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 am not liable for this debt with XXXX XXXX. 

I do not have a contract with Eastern Account Systems. 

They have ignored my request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

They have not provided me with the original contract as requested or any other requested information. 

Under the FCRA I am entitled to an accurate credit history. 

This inaccurate information is hindering my unalienable right to pursue happiness.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of accounts with 3 Credit Bureaus. I have been a loyal customer of your organization and have always appreciated the quality of products/services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution. 

I initiated the process of opening 2 new accounts with your company. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, both accounts have experienced significant delays in being opened, which has resulted in various inconveniences for me, including [ mention specific inconveniences, such as delayed access to services or products ]. 

I understand that administrative processes can sometimes be complex, but the prolonged delay in opening these accounts has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company. 

I kindly request that you take the following actions to address this matter : Investigate the reasons behind the delay in opening accounts XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX and provide me with a detailed explanation of the causes. 

Expedite the accounts activation process and ensure that both accounts are opened without further delay. 

If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly. 

Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship. I value the business relationship I have with Credit Bureaus and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship. Please assist me to correct the following late open accounts : XXXX XXXX XXXX Balance : {$210.00} ; ( New Late Open : ) XXXX XXXX XXXXXXXX Balance : {$8100.00} ; XXXX XXXX XXXX Balance : {$19000.00}.

Company response to consumer: Closed with explanation