BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My consolidation was complete on XXXX/XXXX/17 with Fedloan Servicing. Since then my third party representative has communicated with Fedloan Servicing and they have repeatedly told her that my application is still in process. According to the representative my account was place on an arbitrary hold pending processing. It has been over three months since I have been able to pay back my loans. Every time I call they say it should process within the next week and yet, here we are and it still has not processed. I called in on Wednesday and spoke to one of the women in the escalation department and she illustrated that it should finalize before the weekend, today I called and it still has not finalized and another representative told me it should take another week. I do n't have the patience to keep waiting on something that was supposed to process months ago. This is unfair to me as in the meantime my loans accumulate interest. This needed to be resolved months ago- I should n't keep being penalized for their " system error ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit reports around the end of XXXX. I noticed Midland Credit management was reporting as a collection. 
On XXXX the XXXXXXXX XXXX I sent them a debt validation letter asking them to validate that I owed this debt. I received two documents back from them on XX/XX/2022. I have attach all supporting documents .. nothing in these two documents prove, I owe this debt or if it's even mine. 
I tried to dispute it with the credit bureau 's twice with supporting documents and they keep saying it accurate. It isn't accurate and it's hurting my credit by reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.

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 2017-03-29
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by Experian, XXXX and XXXX. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 


According to the FCRA legally unverified and unauthorized inquires must be removed from my credit report. 

Inquires are as follows : 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 2022-10-07
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, Bankruptcy XXXX  XXXXdischarged Reference 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 2022-04-16
Company: Lennar Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My hands are tied.. as we went through the whole process I was told this phrase several times. We had finally made it to the top of a 40+ wait list at the end of XXXX. But where the story really starts, we were just out driving as a family and thought we would check it out XXXX XXXX. We Loved our first experience. We told our relator and she was so excited for us. Well when we show up to look at lots with XXXX he pulled me aside and said we could have a relator because when we got on the list they were not there with us. We fought this the best we could but with no luck. That was in XXXX. 

Then we finally move on without our relator. We loved checking on the house and seeing the process. As the time goes we are left in the dark no updates or help through the process. So we reach out to our cousin to start the loan process this was in XXXX. We really get rolling around the end of XXXX or early XXXX because the house was due to close XX/XX/XXXX. 

Our plan was to see what offer between our cousin and XXXX was better. Well in XXXX when our other Morgage company reached out to XXXX they would not work with them. Because in the contract we had to disclose this 30 days prior to our close date and we were a few days maybe a week short of that. So they threatened to cancel the contract if we did not move forward with XXXX XXXX. So to keep our house price we moved forward because cost have only gone up since XX/XX/2021. 

Now XXXX XXXX did not explain any of the process they would just send task in the portal. We went though XXXX different points of contact and have to start that process over again because things were missed by the previous person. 

Our close date was moved from XX/XX/XXXX to XX/XX/XXXX with less than weeks notice and we heard about it first from our insurance company. Who had to fight to work with XXXX. Then our sales guy told us it was the XXXX so I move everything around to plan on that date. Then in a few days it moves back to the XXXX. Then on the XXXX our XXXX lady calls and says we wont make the XXXX due to underwriting. 

So I get them letters explaining my job and pay. My work has used this same email to get many other guys into homes and it was denied on the XXXX. Then I talk with XXXX on the XXXX and he tells me our contract was canceled because we dont have funding and its the day of closing. 

He then tells me his hands are tied and there is nothing he can do. But he adds they will sell it for $ XXXX more. We had a family member offer to pay cash and they would not even except that. 

Then XXXX XXXX would not give us the opportunity to apply for any other 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 2023-03-02
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i disputed a charge for an item i bought on XXXX. item came in labeled as a XXXXxl but actual size and measurements were not. The item was also counterfeit. I reported this to XXXX, Seller offered me a partial refund if i would close the dispute. The seller then never issued a refund and stopped responding. When i disputed this with chase they sided with the seller stating the item were as described. I then was told i could only appeal their decision by fax or paper mail which i did, But they are not acknowledging that either. 
Sad that a company like chase would let their customers be defrauded and scammed and not care. Its becoming a great company for criminals.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They reached out me by mail to collect on behalf of a debt I do not have any recollection of. Ars Account Resolution has failed to verify the debt by not sending me a copy of the last bill from the original service provider so I can verify the debt. In addition, I have not signed any documentation giving consent for my personal health information to be released nor utilized by ars. ARS is currently illegally attempting to collect from me on behalf of a debt in a state in which they are not licensed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
District Court of XXXX County XXXX, AR Judgement of unverified and disputed debt XXXX XXXX XXXX XXXX was filed by 2 judges signing an order to distribute funds without proof of debt, nor process server receipt of service, nor right to hearing or trial to prove/disprove alleged debt unverified, no documents filed by plantiff of any kind including answers by garnished, dispute of inaccurate info owing debt was ignored by all court parties and garnishee & objection to garnishment hearing was denied in order to object it, negotiate if necessary, challenge unverified judgement, & negotiating alleged 2 debts in the judgement was never an option. Nor consent given to garnish wages, nor any receipts of garnishments made paid to either of alleged debts as required by me to assign if they existed and they do not. 

Magistrate judge, city attorney, clerk 's, & other judges violated in using XXXX  XXXX XXXX XXXX wire transfers to Michigan and deposited in Arkansas & 15 USC sect 1672. 

Wages exempt were garnished. Loss of information by denial and without filing required documents causes inability to use required materials to determine damages & loss of profits, proof of payments were made to either of the 2 fake debt accounts by XXXX required payment from Michigan to be made in XXXX county at their p.o. box address in XXXX XXXX, Arkansas. 

No direct deposit authorization was given.

8th amendment requires REVIEW before going through with garnishment.

No right to counsel or appeal.

Error of law & abuse of discretion by judges. 

Loss of rights to injunctions against any labor organization fees unlawfully deducted, unpaid minimum wages or overtime wages, unemployment insurance withheld by state and the federal cares act funds, forgery & FRAUD CHARGES existing, title III established of conspiracy satisfied, & stop of garnishments without any explanation or balance calculated from payments deducted by garnishment establish theft.

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 2023-03-01
Company: MoneyLion Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In 2019 I took a {$500.00} loan from Moneylion app and paid a few payments before falling behind because of unemployment. They put the amount on my credit meaning they sold the loan to a debt collector but refuse to stop the membership payments until the loan was paid witch is fraud because they already had sold the debt and recouped the amount of the loan. For 4 years my bank account has been charged {$19.00} and they refuse to cut off payments even after I confronted them about their fraudulent actions.

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 2021-07-16
Company: EQUIFAX, 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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had contacted you a few months ago regarding my banking institution, Santander Bank and at that time I had stopped receiving my bank statements in the mail and there was no way for me to restart receiving them because it was a clerical error and there was no way on my computer to change the status of the statements. I had received a letter from the corporate office of Santander Bank stating that I would start to receive the paper statements but to date I still have not received them. I only had up until XX/XX/XXXX and that is because someone at the bank branch had forwarded them to me. I just realized that I had not gotten any further statements from the bank since that date. I do see that I should have XXXX 's and possibly XXXX 's but did not receive them. 
Then I had another upsetting experience when I went to log onto my account this morning and that was that they had debited {$2000.00} from my account. On Saturday, XX/XX/XXXX I went to the drive through at the Santander XXXX   Branch and cashed an XXXX insurance check for {$65.00} which I am waiting to clear from the bank. So, in checking this morning, I found that from that same branch {$2000.00} had been debited which was an egregious mistake. I spoke to the manager and told him that the teller at the drive through did not seem to know what she was doing and she is obviously the one that made that serious error. I was getting ready to go personally to the branch and call the police when I got there but then the manager called and told me he took care of it and that the teller made a mistake. You can't be making mistakes like this that involves thousands of dollars. My heart is still racing and I have a XXXX XXXX. I did not need this to happen. 
Santander is a very bad financial institution and the only reason why I stay with them is because I pay all my bills through online banking and most importantly my social security gets deposited in that bank. It would be somewhat of a hardship for me at this stage of my life to do this as I just had XXXX XXXX XXXX and other health problems.

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 2022-11-28
Company: Bread Financial Holdings, Inc.
State: NY
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 a victim of Identity Theft. I have been dealing with this for over a year. I use XXXX XXXX which monitors my credit which alerts me each time. 
My SSN was used to open a Credit Card for XXXX XXXX. 
When I received the card in the mail I immediately contacted the number on the back of the card to report this fraudulaent application and card. The account was closed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus do not respect the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this 1. " XXXX XXXX XXXX '' Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$15000.00} 2. " XXXX XXXX '' Was paid In full, Is inaccurate. Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$140.00} 3. " XXXX  XXXX '' Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$1400.00} 4. " Account Number XXXX '' Is inaccurate Has no listed information for this account just a debt. Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other.

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 2022-04-29
Company: EQUIFAX, INC.
State: TX
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:
this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the 3 credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. to this day which is well over 30 days. i have yet to hear a response regarding disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING ignored. 

Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been well over 30 days so they shall be deleted promptly as stated by federal law.

I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me.

The credit bureaus also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. 


USPS CERTIFIED MAIL : 1. Tracking # XXXX 2.Tracking # XXXX 3.Tracking # XXXX I MADE A CFPB Complaint About violations from the bureaus 1. # XXXX ( XXXX ) 2. # XXXX ( XXXX XXXX ) 3. # XXXX ( EQUIFAX ) The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME.

Company response to consumer: Closed with explanation