BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: OK
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: Billing dispute for services

Complaint:
I received a call today, purportedly by someone from the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, asking to confirm a purchase of a XXXX XXXX  and XXXX  to be sent to an address that I don't have on file. The employee gave me his name and badge number. He claims that I apparently have XXXX XXXX accounts to my name. I confirmed that I didn't make said purchase and that I only have XXXX XXXX account. 

The XXXX employee forwarded the call to the FTC, where I spoke to an XXXX XXXX XXXX, with the Crime and Investigating Department. She gave me her Badge number XXXX XXXX, XXXX XXXX ), her phone number ( XXXX ), a Case ID ( XXXX ) and a File XXXX XXXX XXXXXXXX XXXX She verified my identity by asking to confirm an old address, the last 4 of my SSN and then gave me a list of banks, to confirm whether or not I had ever had an account with any of them. 

According to XXXX XXXX, the department of the Treasury has at least 10 banks accounts that are attributed to me, totalling a combined amount of {$800000.00} in credit. Since this case involves multiple entities, she forwarded the call onto the DEA for possible investigation into foreign money laundering. 

The DEA person- XXXX XXXX- wanted me to set up a virtual account and liquid any funds over {$1000.00} in each of my bank accounts. Supposedly once I did that and my SSN was unblocked within 24-48 hours, I could get that money back. When I asked for an email confirming all this information, or a website I could go to to review the steps, he got combative with me and told me I didn't have to cooperate with him, but if I didn't, he would have a warrant made out for my arrest and I could expect a sheriff 's deputy and IRS agent at my door within 30 minutes to arrest me, and that I needed to get a good criminal lawyer.

I bought what the FTC agent said, because there was so much detail and believable language ( case #, badge #, etc. ) But when the DEA " agent '' wanted me to liquidate funds and wouldn't give me any confirming details, then I told him I wouldn't cooperate and he ended the call.

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 2021-05-17
Company: T.S. Holdings
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I used to live at XXXX XXXX  apartments. I had to leave because they refused to fix the poor water issues, the ants, mice problems, and AC/heater issues. I had always paid my rent on time. I had XXXX children living with me at the time and I had to leave every morning for about 7 weeks to get them showered and ready at a different home. I had complained several times and no one did anything. I ended up leaving on XX/XX/XXXX of 2018 and i went elsewhere, because i needed my home to be a safe place for my children. I knew about the breaking of the lease, and the cost of {$1800.00} dollars. I left and the credit collectors kept calling and calling. I did try and work out something with them and they wouldnt hear anything i had to say. I tried payments and even tried to settle, but they said they do not settle and i owe them. I do not feel like i need to pay for this especially when they didnt keep to their end of the lease. Now the cost is over {$2600.00} dollar and i refuse to pay them. Plus i am taking a hit on my credit and that makes me even more furious because now i am having a hard time renting. 
I feel like i was wronged and i do have others that were in the same boat, but they also left. The rodent issues were all over the place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: HYUNDAI CAPITAL AMERICA
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: GA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I recieved a copy of my credit report and noticed several accounts on my credit file that I never applied for and never used. these accounts are fraud and needs to be removed from account below are listed the above referand accounts 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 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 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 2021-07-08
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have loans serviced Navient, ever since they were transfered there from XXXX XXXX I was only provided with the option of being in foreberance instead of providing me with lowerpayment plans based on my income. I spent hours on the phone explaining that I did not make enough money to pay the monthly installment they kept telling me was required. I filled for foreberence more than 4 times because they told me I had no other options. I submitted my tax returns, in addition to their form depicting all my expenses, every year for the past 4 years that demonstrated that I was not able to make the monthly payment Each time I was told that I would be required to pay over $ XXXX/month. That payment based on the documentation that I submitted that summarized my monthly expenses, including my home, car and utilities, would have put me into a deficit each month. This past summer I was finally able to renegotiate a plan that is still above what I had requested, but is more manageable. Unfortunately it means I am paying excessive interest on my student loans. In addition, as a teacher in a XXXX school, I had to submit the paperwork to have my student loans reduced for service, 3 times. Each time it was " never received ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: FL
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:
My Name is XXXX XXXX Todays Date is XXXX XXXX And I Am The Only One Involved In This Complaint My Equifax Report Report Number XXXX And My FTC Report Number is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax ..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Arcon Credit Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter To pay a debt from XX/XX/ {$6500.00} They say they will not report it to any credit reporting agencies. 
But they want me to pay it plus send information. 
I must respond by calling writing or mailing to them by XXXX XXXX I am afraid and am innocent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: MS
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2022-04-05
Company: Allied Collection Services, Inc. (Nevada)
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: Account status incorrect

Complaint:
Allied Collections Services Inc ( ACSNV ) located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, has placed a false collection of {$5300.00} dollars on my account. 

I have explained them that it is clear case of Identity fraud and also explained I was not even present in the country to do cash withdrawal. 
Due to there lack of due diligence someone has withdrawn money out of my XXXX XXXX credit card without my knowledge.I quickly called XXXX and reported a fraud for those charge. 
Collection company is now harassing me by placing the collection on my account and ruining my credit history.

I have never even missed a single payment on my credit card and my Credit Score has always been above XXXX. 
Tried explaining the same thing to the Company but they are just strong headed to understand or even help me resolve the situation. 
There contact number is 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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reviewed my Transunion Credit report and noticed my score dropped XXXX points. There is not apparent reason and they could not give m any. My utilization is 28 % and my balances were reduced. Just would like to know why.

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 2021-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 had reported 10 disputed transactions back in XXXX of 2020 for which the merchant owes me credit. The bank has not credited these items to date. The bank claimed they are outside of the Visa timeframes, a time frame that is disputed by my attorney and confirmed by Visa USA. Per Visa this is my only recourse and this dispute function is the only redress available for my situation.

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 2023-09-23
Company: JPMORGAN CHASE & CO.
State: CA
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 purchased a vehicle from XXXX XXXX XXXX in XXXX of XXXX  with a cashiers check from my bank Chase. After six days with the vehicle it started having issues so I promptly returned it. I was mailed a cashiers check from XXXX in the exact amount I put down on the vehicle and deposited it into my Chase checking account.

About two weeks later I went to Chase to make a cash withdraw and my card was not working so I schedule a meeting with a banker and was told that my account was closed for fraud. I asked multiple times why and what I could do and this bank had no answer. I proceeded to travel to at least five different Chase banks over the next two weeks, and received a different response each time. One bank said it was fraud and could not tell me anything else, one bank said it was because I needed a letter from my employer, but most of them did not tell me anything. I eventually walked into a Chase Bank in XXXX and decided to cause a scene, because at that point I was told so many different things and had not had access to my only bank account for almost two months. I only survived because my work provided me with meals and I borrowed money from a friend to put gas in my car. As usual the banker said they could not do anything and my account was closed for fraud, I started yelling and cursing at him and the bank manager came over. I pleaded my case to him through tears and he sat down and said he would spend the day getting this figured out with me. After about two hours of deliberation between his corporate office and XXXX, I got my bank account and my money back. At one point Chase 's corporate office stated that I would have to bring an employee from the dealership to their bank to verify my story. I was not able to pay any bills during this two month period and my credit score dropped XXXX points to the XXXX. I have not been able to get a car loan, persona loan, or even move since then. I have had to rely on making cash payments for everything. I deserve to have my credit score brought back to where it was before Chase ruined my life. When I entered the Chase Bank in XXXX I had planned to take my life if I was told the same thing again. For the first time in my life I had over {$10000.00} in my bank account and Chase decided to ruin me. I have called Chase 's corporate office about this dozens of times since then and they simply do no nothing. I had tried contacting lawyers but nobody wants to go against Chase. It just occurred to me this morning to trying contact government agencies. I will be sending this same message to the Federal Trade Commission and the Office of the Comptroller of the Currency. 
Thank you for taking the time to read my story.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a current mortgage with Lakeview Loan Servicing , LLC. We bought our house on XX/XX/XXXX, so our first escrow analysis was due in XX/XX/XXXX. We received our analysis that said had an overage of {$460.00} and that it would be mailed separately. Our account " shows '' that a check was issued on XX/XX/XXXX. I called the company on XX/XX/XXXX to inquire about my missing check. I was told there was nothing they could do for me until the check had been missing for 30 days. She wouldn't even document that it was missing because it was two days early and I would just have to call back. 
I called back on XX/XX/XXXX because I still had not received my check. The representative I talked to assured me that she would expedite my claim and check would be in the mail no later than Friday, XX/XX/XXXX. I once again called on XX/XX/XXXX because I STILL have not received my money that they are withholding from me. This time I was told that the check had been issued XX/XX/XXXX and I should have it soon. I received an e-mail the same day that said my escrow refund was now in process! I'm still not even sure a check has been issued. This is well out of the 30 days that is allowed to issue a customer their overage on their escrow account. 
I have tried to be fair with Lakeview Loan Servicing , LLC. However, they have grossly mishandled this situation. I asked the last representative that I talked to if there was a way to wire or overnight my money since we are going on 60 days without it. He said that was not possible. I did ask him to note in my account that if I had not received my overage by Friday, XX/XX/XXXX then I would be filing a complaint with the CFPB. I have never been late on a payment in my life and they can't seem to refund my money according to the government guidelines. I will be interested to see how long it takes for me to actually get my money that they are withholding.

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 2021-07-08
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: Investigation took more than 30 days

Complaint:
Information on my credit report was not validated in time in 45 days & multiple disputes letters sent over 6 months. information in inaccurate on my credit report. Fair reporting Act was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: AMERICAN EXPRESS COMPANY
State: AL
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:
American Express Serve : I haven't been able to withdraw money since Saturday ( XX/XX/XXXX ) ; however, it is showing that an ATM withdrawal was made but the ATM declined my transaction. Also, there are completed charges and pending charges for the same purchases on my account. Every time I call in to rectify the issues, I'm placed on a ridiculous long hold. When I did get through, the call was terminated. I sat on the phone an hour to reach a representative. With a planned trip coming up, I can't access my funds and reach anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: FL
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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation