BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: PA
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-22
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: Account information incorrect

Complaint:
I was reviewing my account and noticed that my account was in a derogatory status, when the account was settled for less and satisfied before the date of charge off. 

Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
Timeline : XX/XX/XXXX - Requested cashier 's check from my bank, Simple/BBVA, in the amount of $ XXXX for a down payment on a car. Simple says they will overnight the check. 

XX/XX/XXXX - Simple debits my account for the $ XXXX. 

XX/XX/XXXX - Simple sends me a XXXX  tracking number for an overnight delivery ( XXXX XXXX XXXX ). 

XX/XX/XXXX - I have not received the check, but the funds are still missing from my account, which means I can not access *** $ XXXX, which is a substantial portion of my net worth. 

I called Simple and was on hold for literally two hours. I spoke to XXXX XXXX He said he did not know where the check was and did not know how to find it. He said there was nothing he can do. 

I called BBVA. They had a record of the check but said there was nothing they could do to locate it and recommended I call Simple. They also referred me to a local BBVA branch that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXXXXXX XXXX sold the debt to Amercollect collection company. I never received. The 1099 C form XXXX nor Amercollect. Please provide the 1099C or delete from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: AFNI INC.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received  XXXX  collection notices from AFNI Collections for debts that do not belong to me. This collection agency has continued to call my cell phone and has also called family members attached to iformation that they received from the internet. I am being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: GA
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:
To whom this may concern ; My credit information may have fallen into the wrong hands due to the XXXX Data breach/ Upon reviewing my credit profile with the credit bureaus I have identified fraudulent inquiries on my credit report of which I will list in this correspondence. 


XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX Inquiry date : 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 non-monetary relief
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
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 2023-08-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I mobile deposited a total of 5 money orders at {$1000.00} each. This was my initial deposit after opening this account a little prior to this. That same day it showed {$5000.00} in my account. The next day I couldnt access the account anymore. Not online not on the app and not at the atm. I called BMO bank and they said they could not help me and to call back on Monday. So that is what I did! I was told that it went to the fraud department and spoke with a man named XXXX. He asked why I deposited so much I said it wasnt that much considering I should be able to deposit as much as I want. They have no regulations on how much I can add. Then asked me to verify the amounts ( which I did ) and said ok he would get it handled. That was three weeks ago and counting. I have spoke to the fraud department several times. Each time after waiting on hold over a hour I get told 14 days then 14 business days. We have been well past that and now Im being to wait longer because they may have to have someone else look at this. Keep in mind that they money orders actually cashed on XX/XX/XXXX. So where is the money? They cashed them but didnt put it in my account..????? STAY AWAY FROM BMO HARRIS BANK

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 2023-08-23
Company: Experian Information Solutions Inc.
State: FL
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 notice over the pass couple months inquiries n unknown addressses listed on credit that I dnt know if I made several complaints to the agency I submitted letters n I called n nothing as being done in my favor

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 2017-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello CFPB, On   XXXX   XXXX   XXXX   I sent a request for validation to  Port  folio Recovery regard ing a collection account that they are reporting on my credit reports for an amount of {$1100.00}. Since sending the validation request I have not received a response or the requested information in my request to  Portfolio Recovery . On   XXXX   XXXX   XXXX     I tried using my debit card the transaction was not able to go through. I called my financial institution and was advised the transaction did not go through because a freeze was issued by  Portfolio Recovery . I spoke with  Portfolio Recovery ,  XXXX    XXXX   XXXX   XXXX     after receiving the information from the bank.  Portfolio Recovery  confirmed since the validation of debt came back in their favor they were able to issue a garnishment and freeze my bank account but, never sent me anything related to the validation and insisted that I make arrangements on the debt.   Portfolio Recovery has failed to comply with my validation request and has failed to comply with Fair Debt Collection Practices Act,  USC 1692g Sec. 809 (  b ). I am hoping that your organization is able to assist me with resolving this matter.  Portfolio Recovery  has violated my consumers rights. Their practices are deceptive and unethical.   Since  Portfolio Recovery  has not sent me proof of validation and continue to report and collect on this debt which illegal. The collection agency need to remove the derogatory collection account from my credit reports and cease their collection efforts against my bank account and with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: OneMain Finance Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
One Main Financial has called me repeatedly multiple times a day. 
from XX/XX/XXXX - XX/XX/XXXX they called me XXXX times a day, multiple times a day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and these are just the dates that I counted. this goes on almost every day. XXXX sending me emails as well. 
This is harassing me and I want it to STOP! XXXX phone call a day is alittle ridiculous but

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: ERC
State: IL
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:
This is my formal complaint to ENHANCED RECOVERY CO L for taking no action to correct and remove the fraudulent account that are still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action I been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
As you are aware, the Fair Credit Reporting Act states that I have a right to challenge all inaccurate information listed within my consumer reports. In addition, Code 15 U.S.C. Section 1681 states that I have a right to privacy and all inaccurate information must be removed from reporting. I want these collection accounts removed due to inaccuracies and the time allowed for reporting collections has exceeded seven years. 15 U.S.C. 1681 Section 604A states that a consumer reporting agency can not furnish an account without my written permission. Thus, I want the collection accounts listed below removed from my consumer reporting with all bureaus.

1. Collection account name : XXXX  XXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed.

2. Collection account name : XXXX  XXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: PA
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:
Its has been since XXXX of XXXX to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to EXPERIAN. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX EXPERIAN. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/XXXX to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX. XXXX XXXX XXXXXXXX and XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please verify these credit inquires that pulled/ viewed my credit without my permission. Within 5 business days in compliance with FCRA. EXPERIAN has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2017-12-21
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Company sent right to redeem vehicle to wrong address and I never received bill of sale for vehicle that was sold

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Westlake Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I suddenly received a call from this company ( Westlake Portfolio Management ) referencing an Auto loan account with them asking me to verify by personal information. I have never heard of this company before nor have I done any business with them or given them any of my personal information. 

Since the person on the phone refused to give me any information and I know that my auto loan is with XXXX XXXX, I hung up on them and blocked the phone number. 

To my surprise, I then received an alert from my credit report saying that an account with them was seeing missed payments. 

I tried to file a dispute with the credit bureaus effected and was not successful. I have tried to contact this strange company to get more information about what this is and where it came from and was not provided with any information. 

I need this removed from my credit reports immediately and if I do somehow owe anything to them, they will need to produce a contract or some type of proof that I did do business with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of America sent me a promotional mailing on  XXXX   XXXX ,  XXXX . It contains  two  promotional offers : " OFFER  1 : L OWER RATE 0 % ( 0 % Daily Periodic Rate ( DPR ) ) Promotional APR until  XXXX   XXXX .   Use Offer ID  XXXX , or use red check number  XXXX . '' " OFFER  2  : MORE TIME 1.99 % ( .005452 % Daily Periodic Rate ( DPR ) ) Promotional APR until  XXXX   XXXX    Use Offer ID  XXXX , or use blue check number  XXXX . '' I called in to Bank of America and mentioned Offer ID  XXXX  and I told them I 'd like to make use of the 0 % APR until  XXXX   XXXX  ( " Offer  1 ' ' ). The customer service agent declined to extend my 0 % APR period on card purchases, stating that the offers only applied to balance transfers. I replied saying that the offers do not mention balance transfers or any such restriction, and if the offer  ( s  ) were indeed limited to balance transfers, that should be clearly stated in the offer  ( s  ). The agent again denied my request to utilize the 0 % APR offer.

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 2021-09-20
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: MOHELA
State: WA
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:
My history of my loans are incorrect : I have been trying to rectify this situation with Mohela and the Dept of Education for over a year. My student loans have been handled by multiple companies since XXXX. I am currently a XXXX  and I am trying to get an accurate history of all my payments I have made on my loans since I began repayment back in XXXX. 

When my loans were handled by XXXX XXXX XXXX XXXX XXXX, the payments I had during that time were never stored in the history of the loans, as the company went bankrupt. Now when you look at the payment history of my loans, from XX/XX/XXXX to XX/XX/XXXX, there is no history of payments being made. 

When I reached out to Mohela ( and the Dept of Education ) to fix this information neither could give an answer why the payments were missing. I have also submitted documentation in the form of my bank statements during this time to show payments that were made. And this supporting documentation was also ignored. 

Attached to this complaint are those bank statements with the history of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation