BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: EQUIFAX, INC.
State: AR
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: EQUIFAX, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Equifax limited how many words and got time out several times, also asking for an account # so the Eqifax website will not let me make a complaint. 
This was the statement I wanted to write : Dear Equifax/XXXX  XXXX One of my bills from XX/XX/XXXX ( the XXXX XXXX person told me on the phone when I was paying ) was sent to collections but I did not get any statement billing me, I was not aware of the bill until I got an alert from my credit report on XX/XX/XXXX. If I would it know that I owe {$71.00} I would it pay it, as soonest I knew about I call XXXX XXXX XXXX and I paid the bill in full, but it already is hurting my credit score, is not my fault that the provider ( XXXX XXXX XXXX ) did not send me statement billing me. I have paid the bill {$71.00} from XXXX XXXX XXXX on XX/XX/XXXX, I am asking to remove the collection from my credit report since is not my fault the provider did not bill me. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX This is the email receipt from XXXX XXXX XXXX {$71.00} XX/XX/XXXX XXXX XXXX XXXX Full Name : XXXX XXXX XXXX Account Number : XXXX Auth Code : XXXX Dates of Service : - Authorization I agree to pay the above total amount according to the card issuer agreement. 

Copyright XXXX XXXX.All right reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX or Attorney representing them lied on a under oath notorized document ( magistrate court of XXXX county ) stating i had only made 1 payment of {$50.00} on a total amount owed of {$880.00}. 

The document then states after my {$50.00} dollars is deducted from the total amount due i owe {$830.00}. Amd now have a XXXX XXXX on Consent and affidavit for judgment civil action case being filed against me. 

I have copies of checks cashed by XXXX XXXX XXXX. I have filed complaints with the XXXX against them. And XXXX XXXX XXXX representative told me my contract for payment was voild back in XX/XX/2017 and i can be sued at any time all because they put my payment on another account.

XXXX XXXX XXXX or their attorny lied about amount owed, how many payments and now im at my wits end.

I stopped making payments in XX/XX/2017 when i quickly relized not only was my contract wrongly voided because of there error but i started being harassed for payments again.

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 2018-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio recovery associates or Attorney representing them lied on a under oath notorized document ( magistrate court of XXXX county ) stating i had only made 1 payment of {$50.00} on a total amount owed of {$880.00}. 

The document then states after my {$50.00} dollars is deducted from the total amount due i owe {$830.00}. Amd now have a XXXX XXXX on Consent and affidavit for judgment civil action case being filed against me. 
I have copies of checks cashed by Portfolio recovery associates. I have filed complaints with the XXXX against them. And portfolio recovery associates representative told me my contract for payment was voild back in XX/XX/2017 and i can be sued at any time all becau
se they put my payment on another account.

Portfolio recovery associates or their attorny lied about amount owed, how many payments and now im at my wits end.

I stopped making payments in XX/XX/2017 when i
quickly relized not only was my contract wrongly voided because of there error but i started being harassed for payments again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TD BANK US HOLDING COMPANY
State: FL
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:
A charge for {$9.00} is being put on my TD BANK Visa card since XX/XX/2021. XXXX  is the company. I have tried to communicate with this company, this can only be do by email. I have tried to solve my problem this way to no avail. I have been given many so called support ticket numbers, but the company said they cant find a account for me. I have discussed this with my local TD BANK branch. They have changed my credit card 3 times, charges continue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-06
Company: The LGM Co., Inc.
State: NC
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:
XX/XX/2016 the vehicle was repossess and sold at an later, the total amount on the vehicle was {$5500.00} at the time of the repossess. I had written the company and requested a copy of how much the vehicle was sold at. Also, request that the company updated with all three credited bureau, the company refuse to do sent me any information or update my information with all three credit bureau. In addition, I have disputed this account with XXXX, XXXX, and XXXX. No changes have been made with the credit bureau 's. In addition, the company sold me a car with a salvage title without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The Mortgage lates on my credit report should not be on there. 

I contacted the creditor due to COVID and they told me they would not report this on my credit report due to an agreement and being on unemployment from COVID. 


This makes me very unhappy, as I'm trying to re-finance my house to get a cheaper payment and this is making it very hard.

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 2019-01-06
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card, credit card, vehicle, and ID were all stolen from me on XX/XX/18 going into XX/XX/18. I was in XXXX XXXX for the next few days and a women stole my card along with my debit card number. All of my transactions from XX/XX/18 to XX/XX/18 were not me aside from one drink at tropical isle on XX/XX/18. 
I have two case numbers for two different amounts. The first is XXXX and the amount was XXXX. The second is case number XXXX and that amount was XXXX. I called and made a police report later when when my parents drove from Fl to XXXX XXXX to get me several days later. Police fraud phone number is XXXX XXXX XXXX. The officers name is officer XXXX badge number XXXX. The case number is XXXX. I was on several different news stations along with the XXXX Fl police department posting missing posts about me. I also have chief XXXX XXXX number which is XXXX. My number is XXXX. All I got back was an email with a do not respond saying that they didnt believe any fraud happened. I have several cops, and proof of my stuff being stolen so I dont understand how they came up with that assumption. My stolen car case number is also 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 2020-10-12
Company: EQUIFAX, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was fraudulently charged {$1400.00} which was not authorized. I immediately filed a dispute on XX/XX/XXXX and was promised a temporary credit. After speaking with Wells Fargo I was told that the issue would be investigated. 

Unfortunately Wells Fargo did not provide a temporary credit and closed the dispute without cause. I called multiple times and asked for proof that I authorized this amount. 
Wells Fargo never provided evidence. 

The requested information was never provided and Wells Fargo has ignored my concern ( s ). Wells Fargo has violated the user agreement by refusing to address this issue. 

I have lost {$1400.00} which has placed a major strain on my finances. Therefore I'm filing a complaint and want the appropriate action taken to recover my funds. 

I reserve my legal right including initiating arbitration per the user agreement if this issue is not resolved. 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 2023-03-10
Company: FIRSTBANK PUERTO RICO
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
First Bank FL MANAGER XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX RE : XXXX XXXX c/o XXXX XXXX ( niece and Power of Attorney ) XXXX XXXX XXXX XXXX XXXX NJ XXXX I am in a XXXX home ( XXXX XXXX ). 
I have not done my Taxes in the years : XXXX ; XXXX ; XXXX ; XXXX. 

I requested four ( 4 ) 1099 Forms so we ( my POA/Niece and myself ) for 4 years so we can do my Taxes and send to the IRS. To First Bank FL at the address above on XX/XX/XXXX. They did NOTHIGN for 1 month. My niece contacted 1st Bank Florida in XXXX XXXX again 1 month later ( XXXX XXXX ) and they wouldn't talk to her, despite sending in the POA forms and 2 death certificates of POAs # 1 and # 2. jthey wouldn't grant her POA! ) so i have to type up a letter and get it notarized in my XXXX XXXX, for Every CD expiring that I want CASHED and mailed to th e above address to pay for my XXXX XXXX 

1st Bank FL called me at my XXXX XXXX 3-4 weeks ago, andn I verified that YES, I DO WANT AND N EED 4 YEARS WORTH OF 1099 's TO DO MY IRS TAXES !! I WAS REQUESTED TO SEND IN : DRIVER 'S LICENSE ( i AM XXXX YEARS OLD BUT HAVE A LICENCE ) ; INSURANCE CARDS, ANDN I ALSO INCLUDED OTHER INSURANCE CARDS " AND '' MY SOCIAL SECURITY CARD, ALL XEROXED TO BANK ON XX/XX/XXXX. 

STILL NO 1099 's FOR 4 ( FOUR YEARS ) SENT TO M E!!!! I HAVE BEEN WAITING FOR 2 LONG MONTHS TO GET THESE FORMS, AS THE 1ST REQUEST SIGNED WAS SENT ON XX/XX/XXXX!!! TAX SEASON ENDS IN 1 MONTH, AND this DARN OBSTINATE BANK IS THE ONLY BANK THAT I AM WAITING FOR, TO COMPLETE MY TAXES AND SEND TO MY NY ACCOUNTANT!!! 

Why are these people so obstinate? Lazy? or not followiong rules for their Customers??!! 

I N EED MY EARNED INTEREST INCOME OF MY 4 YEARS WORTH OF MY MANY CDS IN YOUR LOUSY BANK : 1ST BANK FLORIDA, ASAP/ IMMEDIATELYK!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Shellpoint Partners, LLC
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:
Shellpoint mortgage company sold my mortgage to XXXX XXXX XXXX on XX/XX/20. They refused to accept my mortgage payment because they were concerned it would not be routed properly and informed me to instead make the payment to XXXX XXXX XXXX. Spoke to a representative named XXXX XXXX who informed me that I was protected from any derogatory reporting for 60 days per RESPA guidelines and because I am a California resident. On XX/XX/XXXX, I received alerts from several credit monitoring services informing me that Shellpoint inaccurately filed a derogatory rating for 30 day late payment in XXXX, during the required RESPA period. I want this inaccurate information removed from credit history immediately since it is affecting my ability to obtain a home improvement loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TMX Finance LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Title max, Repeatedly called my number since XX/XX/2020. They are looking for a XXXX XXXX, I have repeatedly told them I am not her and to please stop calling. They have told me numerous times they would take my number off the list and have not done so. They continue to call abput every day, sometimes twice a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: AMERICAN EXPRESS COMPANY
State: DC
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 had a fradulent Activity on my credit card with American express in XX/XX/2021. I submitted a fraudulent activity check and requested for a replacement card. accoding to the American express representatives a card was shipped to me but I never received it or used the card but my account kept on having charges reported on it during this time and American express reported a 30 day late delinquency on my credit report that is hampering my ability to get student loan. I need American express to stop accepting charges on my account and remove the 30 day delinquency from my credit report because that is unfair use of my credit account without my permission and American express is misguiding the credit agencies. can you please help ASAP? my student loan is due in XX/XX/2021. I would appreciate a prompt help and response. I have attached a chat with the American express customer representative who gave me the same response as below in quotes but still kept on charging my account until it was delinquent. I have also attached the fraudulent dispute with Amex and they concluded fraudulent activity was real. 

" Your current Card will be invalid and can no longer be used. For your protection, the last 4-digits of your account number will change. If you have recurring or automatic billing set up with Merchants, then they can continue to use the Card information that they have on file. 
Replacement card ( s ) delivered by XXXX will arrive in a white envelope displaying Amex XXXX XXXX logo. If not delivered by XXXX, it will be delivered in respective couriers envelope for XXXX, XXXX, or XXXX. 
Expect email and mobile app notifications ( if applicable ) regarding the delivery status. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/20 i checked my Experian report and its still showing numerous addresses and numerous phone numbers that i haven't live in over 10 years i have tried to dispute this in the past but nothing has changed

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 2020-08-02
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received the following e-mail on XX/XX/20 : Important information from Chase Support XXXX XXXX XXXX Note : This is a service message with information related to your Chase account ( s ). It may include specific details about transactions, products or online  services. If you recently cancelled your account, please disregard this message. 


Dear Chase Customer : We need your help resolving an issue with your account, Until you help us resolve this issue, we've temporarily suspended your account ( s ). 

To resolve this issue, log in using the link below : www, chase,  com/resolveandupdate complete the steps to confirm your identity and recent account activity For any questions, please contact XXXX   customer service representatives Monday through Friday, Online chase Sincerely, Online Banking Team

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Eastpoint Recovery Group, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018 I received a phone call from East Point Recovery Group from a man named XXXX XXXX who wanted to speak to me about a loan that I took out from XXXX that got sent to their company to collect the debt. Speaking to him he openly admitted to me that he spoke to my 'estranged father ' who I haven't spoken with in years and who is no longer apart of my life about the debt that I owe, how much it is for, and the deal they are willing to offer me. My father is not on any documentation that would authorize them to call him or disclose my personal information to him and this man told me he was on the loan and was very easy to contact him and he did not go digging for him information to contact him ( not true ). I have never received a phone call from them before I spoke to XXXX XXXX on this day. While speaking with this man we had made a deal that I would speak with him in 2 weeks on what I will choose to do as I need to find a way to come up with the money. During this conversation and in later conversations they had told me multiple times there will a good possibility I will be litigated against if I do not settle this debt soon. Days later I spoke with the manager of this company named named XXXX XXXX. They had called me multiple times days later after I had agreed to speak with them again in 2 weeks. These dates they called me were on XX/XX/XXXX and XX/XX/XXXX. When I finally called them back XXXX XXXX was more aggressive with the matter saying they need to figure this out in the next couple days, threatened the possibility of me being sued, etc.. I had asked her for an invoice on how they are coming up with the amount I owe ( {$3300.00} ) and she said she cant legally give me that. I asked her to send me something in the mail showing me they are allowed to collect this debt and she said they can't mail me anything again because they already tried but I never received anything in the mail and are legally allowed to mail me again. I asked for original documentation of me signing for this loan ( just trying to find anything to show me some proof they are allowed to collect the debt ) and she said they don't have it. I was then emailed that day documentation of me signing for these paper with the papers being a XXXX and with my E-signature on it but I never authorized anybody to do so, this loan was approved in person with my own personal signature. Also on these documents she sent me there is other false information on there saying I signed for this loan at a certain time which is false, an email from XXXX that is false, and a credit score of mine when the loan was approved which is also false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
What the XXXX is going on? I sent you my dispute letter on XX/XX/2021, I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. you been ignoring me huh. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors yall reportin but youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.

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