BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
Company: Alliance Recovery Group
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I keep getting phone calls from a company that never identifies themselves in the message. They call from a local number but give a XXXX number to call with a reference number. I believe they called and left same number last year saying something about my ssn being used in some type of fraud. Sure its bogus. I often access my credit report nothing different than what I expected. In recent weeks they have left many phones messages for me again never identifying themselves or who they are calling for. Then earlier this week they called my place of employment and asked for. They gave one of my co workers a message with phone number and a reference number only. Now this made me angry because I dont know who they are, Ive never received any bills or documentation, and now they are calling my job. I finally called the number to try and find out who they are. I had to ask the person a few times before they said the name which is Alliance Recovery. Ive never heard of them or received any bills or documentation from them. The messages that they have left lately say something like we have attempted to call and may attempt to serve you at home or work. Im not communicating with someone who is purposely concealing their identity. Its on the news ever day about people being scammed into paying people who use these exact tactics. They should be held accountable for them whether they are legitimate or not.

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

Complaint:
This is my second time writing the company ( s ) XXXX and Transunion to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses as following, XXXX XXXX XXXX XXXX, FLXXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section I do not work at any of the places listed and should not be on my credit report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

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 2022-12-21
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a co-signer on a student loan with asc. They did not notify me that the co-signer was late. They also didnt credit the accounts full payment which is what made it more than 60 days late which is their error! It should not have ever been that late and if it is I expect them to notify me before hitting my credit. This is the third time their payment system has made an error, luckily I caught the others.

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 2023-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from Professional Bureau of Maryland Inc. stating that I owed XXXX to a gym call XXXX  XXXX  XXXX XXXX and offered a settlement of 50 % if I pay by XX/XX/27. I am not a member of that gym and have not been for over two years. I have attempted to call the gym and this agency and have been placed on hold for a half hour then a request for a message comes up. The gym in question requires that one pays monthly XXXX dollars for attendance and if the member wishes to quit, he or she simply stops showing up. There was no contract other than a liability waiver. This is a scam and they apparently think I would pay for fear of damaged credit and of the hassle of disputing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Conn's, 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: Account information incorrect

Complaint:
I have been trying to work with XXXX XXXX for over ( 3 ). 
I have spoken to several XXXX XXXX, Supervisors concerning this matter. I have attempted to set to their billing department from the beginning because the initial credit amount issued was more but, I only used what was needed and per their policy after 48 hours any unused credit would be removed and I would only be responsible for the amount I charged. One major component of this promotion was the offer 36 months No Interested if you paid of the debt with 12 months. I paid off the debt in 10 months. My Last payment to them was on XX/XX/XXXX for the total of {$1000.00}. When I paid that account through my check and cleared I call them and they stated the credit report would be updated and no interested would be charged. Now they are continuing not updating my credit to reflect non payment which is negatively affecting my ability to maintain good credit. Now they refuse to talk to me and just hang up. 
This is the account information : XXXX XXXX Account # : XXXX Past Due Amount : {$0.00} Due Date : XX/XX/XXXX Your assistance would be greatly appreciate it resolution on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: AL
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 reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX Acct # XXXX... 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. 

I contacted " Experian, XXXX, and XXXX " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-11-16
Company: EQUIFAX, INC.
State: FL
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-05-12
Company: Commerce Home Mortgage, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, the consumer and his wife applied for a mortgage with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 
With the information provided to me that I would get a loan rate of XXXX. XXXX XXXX was given the green light to move forward. A credit report was pulled and an application was done. 
A rate was supposed to be locked on XX/XX/2022 with the lender XXXX XXXX XXXX XXXX 
On XX/XX/2022, a re-disclosure was issued with a rate locked /extended at XXXX they said : the rate was never locked. 
From the date of XX/XX/2022, I was in constant contact with XXXX XXXX doing everything that was asked of me and my wife to ensure that the loan would be completed on time. Day in and day out I was in contact with my loan officer. He was telling me that things were moving in the right direction with XXXX XXXX, account manager at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, but it seems she became stagnated. 
On XX/XX/2022, a new re- disclosure was issued with a rate locked /extended at XXXX they said : the appraised value and the estimated value were different. Still, the loan process failed to move forward with the lock rate approaching the expiration date. 
On XX/XX/2022, I received a call from XXXX XXXX a loan processor at XXXX XXXX lending company XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX  XXXX She said, she was going get things going and try to close the loan next week. I gave her everything she requested as with XXXX XXXX and XXXX XXXX. 
They pulled a bait and switch on XX/XX/2022, to put me in a higher loan rate, telling me the new loan rate would be XXXX. The lender would not honor the old rate. It was not any fault of my wife or me. 
We left a lender because we were promised a lower rate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After reviewing the qualifications on studentaid.gov, I applied for the XXXX XXXX on XX/XX/XXXX. My family size is XXXX, my AGI from my 2022 XXXX XXXX is {$25000.00}, and I have qualifying loans. My application via Studentaid.gov was received and then sent to my servicer, Mohela. On XX/XX/XXXX, Mohela sent an electronic letter indicating it was unable to XXXX my request for an XXXX due to the following vague rationale " - Based on your Adjusted Gross Income, family size and outstanding eligible federal student loan debt, you do not qualify for the repayment plan you requested. '' Mohela did not collect any information from me to verify this information and I have been unable to reach Mohela via telephone to inquire into this issue and have Mohela process the request to be moved to the XXXX XXXX. I understand Mohela is likely struggling to process student loan information given the recent restart ; however, Mohela did not take any steps to collect information from me in order to process my XXXX Plan request, a payment plan I qualify for. I also suspect Mohela is incentivized to deny otherwise qualifying requests like this given their low margin business model and the extra administrative burdens required to process these requests. I am disappointed in Mohela 's efforts but hope to expeditiously resolve this issue. Kind Regards, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Carvana Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
late on XXXX XXXX I received a call from XXXX XXXX  verification that smoeone is tryin to act as me and stealing my identity to try to obtain auto loan or auto purchase at XXXX and elsewhere including XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  or XXXX XXXX Bank and also this was filed against and still awaiting further investigation. 
They noted the fraud and I filed a police complaint and also a CFPB complaint and on one of my credit reports I see that Carvana was also inquiring and likely same attemptted fraud so I am filing this to make sure carvana will share all details of this fraud with the CFPB, any law enforcement investigators and shut this fraud down. as I never heard from Carvana at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: AR
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 am writing to dispute a collections tradeline on my credit report that is incorrectly reporting an expired debt beyond the statute of limitations. This account is being reported by : Debt Collector Name : XXXX XXXX XXXX -- Account # XXXX. As shown in the attached account summary from the debt collector : -- The original creditor was XXXX XXXX -- The debt originated on XX/XX/XXXX -- The last payment was made on XX/XX/XXXX -- The account was charged off on XX/XX/XXXX. According to XXXX XXXX XXXX AR Code 16-56-105, the statute of limitations on debt collection is 3 years. As this debt is from XXXX, with last payment in XXXX, it exceeds the time limit to legally enforce collection of the debt.

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: EQUIFAX, INC.
State: DC
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 made a complaint with CFPB, with the right result to remove/deletXXXX XXXX XXXX XXXXXXXX off my credit report due to improper use. If CFPB agreed that it should be remove why is it still on my report..Here is the complaints ID XXXX Equifax, XXXX XXXX and XXXX XXXX which is still open. This is the same student loan that was supposed to be remove and not renamed. 
I Have never sign anything I have no knowledge of that account and never made a payment like they have stated. Wrong and inaccurate information is a cause to be remove again..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance XXXX {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-11-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want to file a complaint against XXXX. They refuse to remove a late payment for XXXX XXXX account that was a mistake that XXXX XXXX admitted to. XXXX XXXXXXXX had a glitch on their online payment system which would not allow me to make a payment for a. month. They agreed to remove the late payment and take off late payment fees but XXXX refuses to remove the late payment on my account. not XXXX but 2 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased an American Express gift card worth {$270.00} on XX/XX/2023. 
Tried to use it at 5 major merchants. Each were declined. XXXX, XXXX, XXXX XXXX, XXXX and XXXX. 
XXXX {$250.00} XXXX  {$7.00} XXXX XXXX {$220.00} XXXX {$200.00} XXXX XXXX {$200.00} Each time a transaction was declined I called American Express customer service and each agent told me to try another merchant. They said they were protecting my funds and those are blocked merchants. So try another merchant or wait for 24 hours to try again, ( which I did and it still declined ). No more advice for them. They are all saying the same thing and they also said a refund takes 3-4 weeks to be sent out if I request one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have been paying a high payment from the beginning. Thought it was low credit but then I see all these offers with way lower rates and my credit os worse then when I bought the car. So feel I have been making higher payments then need be for years now.

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