BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-15
Company: Merchants Acceptance Corp
State: OR
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 had a vacuum cleaner company that came to my house and have me buy a vacuum cleaner, I hesitated, but they insisted I should use the vacuum cleaner and send payment to them, I had been paying them, and then I lost my job, and also seen that they vacuum cleaner was over prized, but I still paid them until I could not pay them any more because the vacuums cleaner price keep going up. And after sometime I was sued and taken to court by a certain company I did not know was not the vacuum cleaning company I used to make payments to too, and a judgement was entered in thousands of dollars. I tried to explain that the vacuum does not cost that much and that I have been making my payments but to no avail, now I can not not refinance my home, and my credit is ruined, I have a XXXX year old mother and I can not take care of her because I can not take out money from my house to help her.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To TRANSUNION this is my dispute for you! 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of XXXX XXXX theft on the affected accounts are listed below. 
I do not and have not obtained business or services under these accounts! 
You must remove it immediately without prejudice. 
XXXX ACCT : XXXX AMT : $ {$4900.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2400.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$5500.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuous and ongoing to no avail. 

This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/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 2021-07-15
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: Account information incorrect

Complaint:
I opened a XXXX XXXX credit card on XX/XX/XXXX and have had exceptional payment history, except for three ( 3 ) late payments in a row - XXXX, XXXX, and XXXX of XXXX. This was due to bank processing errors. I submitted a letter to XXXX XXXX from the bank confirming this and they have not removed these late payments from my account.

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 2021-07-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I opened a XXXX XXXX credit card on XX/XX/XXXX and have had exceptional payment history, except for three ( 3 ) late payments in a row - XXXX, XXXX, and XXXX of XXXX. This was due to bank processing errors. I submitted a letter to XXXX XXXX from the bank confirming this and they have not removed these late payments from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I opened a XXXX XXXX credit card on XX/XX/XXXX and have had exceptional payment history, except for three ( 3 ) late payments in a row - XXXX, XXXX, and XXXX of XXXX. This was due to bank processing errors. I submitted a letter to XXXX XXXX from the bank confirming this and they have not removed these late payments from my account.

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 2018-02-02
Company: Avant Credit Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Recently my family have been faced with unavoidable documented finacial hardships. My Wife "  XXXX XXXX '' and I, informed Avant of our finicial hardship. We ask Avant to work with us and informed XXXX of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need Avant to work out new repayment terms. We were unable to to Pay the Current excessive interest rate on our loan and we were unable to Pay current excessive monthly payment.. I was incouraged to reach out to all lenders to work out to Avant to work out a fair affordable repayment plan prior to Chapter XXXX bankruptcy. 


I also let Avant know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate and loan origination fees. 
Avant has also threatened to sue me and refused to work with me. 




Avant refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms. 
Avant is refusing to work out an affordable repayment plan so I can avoid XXXX XXXX Bankrupsy by lowering my interestrate and montly payments. 
I feel taken advantage of by Avant I feel Avant took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive interest rate and loan origination fee 's on my loan and with excessive montly payments on a {$2500.00} loan. Unfair lendin I was never sent a default letter my email nor by mail, Avant is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan. 

Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: IL
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:
I submitted my bankruptcy discharge documents to equifax on XX/XX/2021 Instead of updating to Discharged they deleted the BK & all accounts included in bankruptcy no longer stated included in bankruptcy & are now showing as open, some with balances & charge offs. The accounts should not be reporting as open & should note that they have been discharged. With a XXXX balance. this is a violation of the Bankruptcy law. I have processed a dispute for all of the accounts that need to be updated to reflect this. my XXXX account wasn't discharged it was reaffirmed. But I will wait for XXXX to update that. the other accounts that are in dispute need to be updated or deleted entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX. I sent to XXXX {$450.00} to my brother, XXXX XXXX XXXX, via XXXX XXXX, on XX/XX/2018. I also sent him the transaction ( XXXX ) number through XXXX to pick up the money. He called me and told me the transaction number was not valid according to XXXX XXXX in XXXX. 
I called XXXX XXXX in XXXX more than three times to inquire about the transaction number, they told me the money was picked up by someone in XXXX. When I asked XXXX XXXX for proof, they declined I would to know what happened my transfer from XXXX XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Experian Information Solutions Inc.
State: MD
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:
THROUGH THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX.IVE VIEWED MY CREDIT REPORT AND DISCOVERED MULTIPLE ADVERSE ACCOUNTS ( COLLECTIONS ) THAT DID NOT BELONG TO ME.ALL ADVERSE ACCOUNTS HAVE MISSING INFORMATION, DIFFRENT REPORTED DATES, AND INCOMPLETE.IVE DISPUTED THE ADVERSE ACCOUNTS MULTIPLE TIMES WITH ALL THREE CREDIT BUREAU 'S WITH NO SUCCESS. ( XXXX, XXXX, EXPERIAN ) .IVE ALSO REQUESTED PHYSICAL PROOF OF SUCH ACCOUNTS WITH NO SUCCESS.ACCORDING TO THE FCRA, THEY MUST PROVIDE ME PHYSICAL PROOF OF ACCOUNTS BEING DISPUTED, AS WELL AS THE ORIGINAL-SIGNED CONSUMER CONTRACT IN WITCH THE BUREAUS HAVE FAILED TO DO.IVE ALSO HAD ONE ACCOUNT REMOVED THEN RE-INSERTED WITH NO NOTICE.ALSO THEY HAVE 5 DAYS TO NOTIFY ME OF A RE-INSERTION AND DID NOT, BECAUSE OF THIS IT HAS BEEN VERY HARD OBTAIN CREDIT.SINCE THEN IVE RECIEVED MULTIPLE HARRASSING CALLS FROM DIFFRENT CREDITORS THREATNING PUNISHMENT. 

OPEN DATE-XX/XX/XXXX-AMOUNT {$350.00} OPEN DATE-XX/XX/XXXX-AMOUNT {$610.00} OPEN DATE-XX/XX/XXXX-AMOUNT $ XXXX- ( RE-INSERTED )

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 2021-07-15
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: WELLS FARGO & COMPANY
State: NC
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:
Hello, and I filed this case with NC Comptroller of Currency # XXXX. Wells Fargo says in a letter of response dated XX/XX/18 that they are updating my information. there are several problems with that. I have two accounts with them 1. they closed one account with a merchant because they no longer due business with them, that reflects badly on me, and my payments are not full payments, but they are reporting me 90 days late. 
2. the other account also partial payments, and they say they will update the info. 
3. I called XXXX XXXX, and she said that XXXX was working on my case, but that she was not available. This is what all the banks due ; i.e., XXXX   XXXX XXXX included, when they don't want to fix or report your payment history correctly, they just want to massacre your report, with no regard to it's impact on the consumer. 
4. Can I get instruction on how to take Wells Fargo to small claims court to claim damages, on my behalf, and what can I use to prove my case. 

I do appreciate your interest in my complaint, this agency and a recourse for consumers

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 monetary relief
Consumer complaint received 2021-07-15
Company: AmeriHome Mortgage Company, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Amerihome the end of XXXX to start payments in XXXX. 

I have another mortgage currently being serviced by Amerihome and do not have issues with it or viewing/accessing the account online. 

I have attempted over 20 times to set up the new/second mortgage online to be able to access my account/make payments/etc ... to no avail. 

I have called Amerihome a min of 5 times to resolve this issue and nothing has happened and no resolution. 

6 weeks later and I still can not access my newest mortgage account online to make payments, view my escrow, or set up auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was serviced by Cardinal Financial. The loan was transferred to a new servicer on XX/XX/2021. 

I made a payment through my bank 's automated bill pay service on XX/XX/2021. The payment was processed on XX/XX/2021. 

The payment was not transferred to my new servicer. 

I have contacted all 3 parties involved : New servicer claims the XX/XX/XXXX payment was never transferred. 

Bank claims the XX/XX/XXXX payment was processed by Cardinal Financial.

Cardinal Financial has made various claims. Initially, they claimed a payment was never received/processed on XX/XX/XXXX. After providing them documentation from my bank that there was payment made, they claimed that the payment was forwarded to the new servicer. 

I asked for documentation to show proof that the payment was processed and have not received the requested. I have requested it 3 times since XX/XX/XXXX, and have not received it to date ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
XXXX need to remove my Bk off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On Friday,XX/XX/XXXX I called CapOne 360 at their phone number defined as " Sales/Service Number : XXXX ''. I wanted to open a CD in the maximum amount covered by FDIC insurance and I wanted to title it in my name with my husband as the beneficiary of a POD. 
The gentlemen I spoke with told me that " temporarily '' CapOne 360 is UNABLE to write POD 's. I asked him why and he said the laws are different in all 50 states and we're trying to streamline our POD forms. Until such time we are unable to write POD 's. I asked how long this temporary situation had been in effect and he said " about a year ''. 
Currently there are only a couple banks offering 2 % on a one year CD. I have been a customer of CapOne as recently as XX/XX/XXXXwhen my last CD with them matured. 
I chose not to do business with them now as they are currently not offering a product that I thought was allowed by law and has always been an alternative in the CD marketplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: I.C. System, Inc.
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2018-05-09
Company: CITIBANK, N.A.
State: IL
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:
MY COMPLAINT IS AGAINST CITIBANK CREDIT CARD FOR ITS POINTED FAILURE TO CONSIDER AT ALL, MUCH LESS, GIVE WEIGHT TO THE OVERWHELMING DOCUMENTARY EVIDENCE OF FRAUDULENT CHARGE OF {$2000.00} MADE TO MY CREDIT CARD ON XX/XX/XXXX BY XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX OF:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , NY XXXX ( MERCHANT ID # : XXXX ). 

I BELIEVE CITIBANK 'S CONDUCT IS CONTRARY TO THE TERMS OF MY CREDIT CARD AGREEMENT, WHICH STIPULATES THAT I WOULD BE RE-IMBURSED FOR FRAUDULENT CHARGES. 

PLEASE SEE ATTACHED MY SWORN STATEMENTS DATED XX/XX/XXXX AND XX/XX/XXXX RESPECTIVELY, WHICH PROVIDES DETAILS OF THE ALLEGED " BAIT & SWITCH '' FRAUD PERPETRATED ON ME BY XXXX XXXX XXXX XXXX. 

THE GIST OF MY COMPLAINT IS THAT XXXX XXXX XXXX XXXX PREDICATED ITS UNILATERAL & PREMATURE WITHDRAWAL ON THE SAME DOCUMENTS THAT MY HUSBAND HAD PROVIDED IT DURING AN EARLIER CONSULTATION in XX/XX/XXXX-XX/XX/XXXX ( i.e. copies of my filed Petition For Review and Memorandum Arguing Against Dismissal ), WHICH XXXX XXXX XXXX XXXX STATED THAT " it had reviewed '', and that it contained " strong arguments in support of my case ''. BUT ONCE XXXX XXXX XXXX XXXX CHARGED MY CREDIT CARD FOR {$2.00}, XXXX, IT DID A 180 DEGREE TURNAROUND AND CHANGED ITS LEGAL OPINION-IN ORDER TO JUSTIFY GORGING ME. THIS IS A CLASSIC " BAIT & SWICTH '' FRAUD case-contrary to New York Disciplinary Rule 2-106 ( A ) ; RULE 1.3 ( c ), New York Rules of Professional Misconduct and the FELONIOUS CRIME of First Degree " SCHEME TO DEFRAUD '' under New York PENAL LAW, section 190.65 ( 1 ) ( b ), which stipulates that ; " A person is guilty of this felony where he engages in a systematic ongoing course of conduct to obtain property from more than one person by FALSE PRETENSES, REPRESENTATION or PROMISES, and thereby obtains property worth more than {$1000.00} from one or more such persons ''.

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 2021-06-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never signed a contract for credit account for XXXX/COMENITY/XXXX  XXXX XXXX  and I never applied for this card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  , XXXX started sending me letters in XXXX but their address has changed a few times since then, making it hard to contact them. They finally sent a letter at the end of XXXX of XXXX stating that they would sue me for the supposed debt that they claim I owe them. After finding out a way to actually contact them, which according to their own website would have to be through Resurgent Capital Services, I sent them a letter on XX/XX/XXXX requesting that they validate the debt but their response, which was mailed out on XX/XX/XXXX, was just printouts of old statements from the original creditor. I responded on XX/XX/XXXX to their letter telling them that what they sent me does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation and that they are now in violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act for still reporting invalidated and inaccurate information on my credit report. I have not heard back from them since then but they have continued reporting on both XXXX   and XXXX.

Company response to consumer: Closed with explanation