BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After XXXX XXXX passed I went to XXXX on XX/XX/2017 to have all lines switched over. It wasn't until two months later that I was notified that XXXX XXXX still had an open revolving account. XXXX did not switch all lines and the reason how I found out is because I was waiting on a final bill from XXXX XXXX to have XXXX process electronic visas to pay off the XXXX XXXX account. There were additional charges added which I notify XXXX about. I also notify XXXX XXXX that they did not have my correct address on file and that's why I never heard anything from them. I am currently still waiting on XXXX to process those electronic visas to pay XXXX XXXX. By the time two months had pass when I found out about the account still being open I had been laid off by my employer. I became XXXX and have not been able to obtain employment to make any payment of my own. Once I received the letter a few weeks ago because of XXXX XXXX having wrong address and PO box issues I called the collector and try to pay the amount that i have a letter for of XXXX. I did not know of any of this earlier or i would have paid my share. I cant pay for XXXX share because they havent issue there portion yet and had drop the ball on this issue. This XXXX wants XXXX and i try to explain but they said no to anything i was trying to explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: AL
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: Problem getting your free annual credit report

Complaint:
Originally I have requested free annual credit reports from Equifax, XXXX and XXXX on XX/XX/20. I have received credit reports from XXXX and XXXX but not from Equifax. I called Equifax on XX/XX/20 and was advised to send copy of my drivers license and social security card. 

I have sent them copy of my drivers license and social security card and utility bill on XX/XX/20. But did not receive free annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: ACIMA CREDIT, LLC
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: GA
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im filing a formal complaint on midland credit management after reviewing my credit reports on all three credit reporting agencies I noticed that midland is in violation of the FCRA and the fair debt practice Act I disputed this account numerous times with all of the four major reporting credit agencies and midland failed to note the required noticed of dispute on all of the reporting agencies this information must be deleted immediately for violations. Midland please send me in writing confrontation that this tradeline has been removed from all reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I took out a personal loan through Onemain financial. After going down to the office and reviewing the terms of decided to hold off on taking out the loan. The hold up was the fact that I just started a new job a couple months prior. The paperwork I signed clearly showed i was n't at that job more than a couple months. The sales agent sold me on a unemployment insurance policy. The policy was supposed to pay if I lost my job for reasons out of my control. 8 months later I lost my job but received unemployment from the state. Unemployment sent me paperwork proving I lost my job for reasons that qualify under the insurance policy but the insurance was rejected due to not being at my job long enough prior to taking out the loan. Turns out I needed to be employed by my then current employer for 1 year prior to taking out the insurance. The sales agent never made me aware of this and the proof is he sold me the insurance. Onemain was quick to blame me for thinking I was covered by the insurance i paid for but has refused any option to fix the situation. They started calling me with highly aggressive collection tactics. Calling and hanging on the machine but then calling right back and leaving 4-5 messages a week even multiple on the same day. This started after the insurance company made it 's decision then OneMain quickly sold the debt. After a quick search online I 'm seeing other stories of sales staff not being honest with consumers and illegal collection tactics. I have all voicemails saved and pictures of the caller ID showing they just kept the phone ringing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XX/XX/XXXX, XXXX XXXX XXXX  incorrectly coded my credit card account as being included in a Chapter XXXX Bankruptcy when it was not. In XX/XX/XXXX after filing a complaint with the CFPB the account was fixed per XXXX XXXX XXXX ( see letter attached ) and my account was made current, open, available for use. Even though XXXX XXXX XXXX corrected the coding on my account they failed to correct my account to the 3 Credit Reporting Bureaus, and the account is still showing on my credit report as being included in a Chapter XXXX Bankruptcy and under a payment plan. This account was never included in a Chapter XXXX Bankruptcy, nor has it ever been under a payment plan. At least the minimum payment was always made on time in full since this account was opened. I have submitted numerous disputes with the 3 Credit Reporting Bureaus, and still this remains on my credit report as being included in a Chapter XXXX Bankruptcy. That information is completely FALSE. I just filed a dispute with TransUnion who investigated ( investigation result attached from XX/XX/XXXX ), and still this account remains as being included in a Chapter XXXX Bankruptcy under a payment plan. This has been reported falsely as being an adverse account going on 4 years now. It has negatively effected my credit report and score. This account is open, current, and available for use ( see attached statement of account XX/XX/XXXX ) How can XXXX XXXX continually report false information on my credit report for almost 4 years and not correct the mistake? As a result, I'm the one who is being penalized financially resulting in a lower credit score and higher interest rates, because of their mistake, reporting this account as adverse and included in a bankruptcy.

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 2020-05-15
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX, I informed Experian that I was a victim of identity theft. Most accounts were removed excluding 1 ( XXXX XXXX ). I've disputed the account continuously, accompanied with FTC Affidavit and local filed police report #. Not once was any documentation provided from the bureaus or the creditors. XXXX  and XXXX   remedied the accounts almost immediately, unlike Experian. 

This year, XXXX, I received an alert that one of the accounts that was previously removed had been reinserted ( XXXX  XXXX ). I almost instantly sent Experian documentation reminding them that the account was fraud and that I'd undergone a name change as well. They ignored the name change request earlier this year and continued to report that both accounts were verified. 

XX/XX/XXXX, I sent Experian all of the documentation again ( XXXX tracking # XXXX ) and they sent me a letter stating they can not and will not update the name change because I am now legally mononymous. I informed them how the other bureaus were reporting it, and to just input the name in both 'first ' and 'last ' section. They told me, " no ''. I called for days, they said, " no. '' Then XX/XX/XXXX I received an alert that they'd initiated my dispute. The dispute completed last night, XX/XX/XXXX, with both items remaining. 

However, XX/XX/XXXX I sent a follow up letter informing them that it had been past the 30 days and the items must be deleted immediately. I'm on the phone presently as I'm typing this with an Experian representative, and they've informed me that they will not remove the items since they were verified accurate, completely disregarding not only that they're fraud, but that it's past the 30 days since they signed for and received the dispute.

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 2021-08-07
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Ive contacted XXXX  Chex systems sent all identifying documents over 5 times EXPLAINED IN CLEAR LANGUAGE WHAT IM DISPUTING ETC AND NOTHING WAS NEVER DELETED THIS WAS OVER 3 months ago by law they have 30 days it was well over that time frame I keep checking my report they have the same fraudulent items & inquiries on there even after I sent my police report theft affidavit etc I specifically itemized and circled the items that need to be removed including fraudulent inquiries this is unacceptable Chex systems have me flagged so I cant open a basic checking account they need to remove that ASAP or Ill keep complaining

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My newly bought vehicle was stolen and insurance paid off the remaining balance that was indicated by the loan comopany " XXXX '' After it was paid off, XXXX contacted me to collect XXXX Dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have countless times contacted Equifax as they are reporting incorrect accounts on my credit report. MY credit report is mixed with my brothers. I have been disputing this since the last year ( 2019 ) I have even sent copies of my license, social security, and all the information needed to prove the accounts showing on my report are incorrect. I have been on the phone for countless hours and the agents refuse to let me speak with a supervisor or manager. At times I would be on hold for 20-30mins and  they just hung up on me. I have researched this issue and a lot of people have had similar issues as they use initials to identify reports and I need them to use my full name and confirm using my social security number. This is extremely frustrating as I have worked hard to maintain good standing with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent someone money for hockey tickets. They took the money and never sent me the tickets. I tried to contact them multiple times afterward to refund my money and they blocked my number. XXXX with Zelle does not offer any refund services in case something like this happens, unfortunately there are scam artists out there who take advantage of people and Zelle does not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX assisted with Loan Modification-with PHH Mortgage Services-provided all documentation/on XX/XX/2020 PHH Mortgage Services XXXX XXXX XXXX XXXX sent Decision on the Request for Mortgage Assistance Trial Period Payments {$2300.00} which is UNAFFORDABLE- when XXXX contacted PHH Mortgage Services they USED for income amount $ XXXXmonth oppose to my actual income {$5000.00} amount. 

PHH Mortgage Services Underwriter DIDNOT act in GOOD FAITH AND USED FALSE INCOME and yet I am now behind 4months of Mortgage payments-since XXXX PHH Mortgage asked me if I wanted Forbearance-I refused and requested Loan Modification. PHH Mortgage asked if any damages to property as if a buyer is set up to take over my property. I believe this question is not a part of the Loan Modification process and want to Report due to possible appearance trying to KEEP PROPERTY UNAFFORDABLE PHH Mortgage sent XXXX  XXXX  as the holders/interests in my property -- this is my only residential property for my family and I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXXI disputed collection debt with XXXX XXXX XXXX (this is their new name), with all three collection agencies providing copies of cancelled checks from XXXX   throughXX/XX/XXXXwhere the company would return my payments on my debt stating they won't accept it unless I pay the debt in full.  The company initially was accepting my payments but began returning my payments.  I'm on a fixed income due to illness and at the time I was also paying my XXXX, my treatments & for my medication out of pocket and was sending XXXX to XXXX month.  I won my disputes with the credit bureaus and the collection company and as a result, this was removed from my report.  In XX/XX/XXXX, Experian allowed XXXX to put this back onto my report again (Only with Experian); this is fraudulent behavior and I've reached out to Experian, last year and again this year, with no response.  I've also filed a complaint with the AG's office about both companies: Experian & XXXX.  I provided the necessary documentation to successfully dispute and it's unethical at this point to ask me to 'find something' yet 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 2017-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 review my credit and there is XXXX unauthorize inquiries on my credit reports with XXXX, XXXX, Transunion.
Here is the list of Hard Inquiries 1.XXXX .datedXX/XX/XXXX.
2.XXXX XXXX.XX/XX/XXXX
3.XXXX XX/XX/XXXX 4.XXXX XXXX. XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9.XXXX XXXX .XX/XX/XXXX 10.XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/2021 I made a deposit with a representative at the Chase Manhattan Bank, XXXX XXXX XXXX, XXXX NY XXXX. One check was a bank check from XXXX XXXX XXXX in the amount of XXXX. The other a Federal Check in the amount of {$600.00} Chase held on to the money for 4 days and has refused to credit my account. I personally went to the bank with my Chase Debit Card and provided the checks to the Chase Representative. Chase is hanging on to my money and I have absolutely no use of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CREDIT ACCEPTANCE CORPORATION
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:
Credit Acceptance was notified mail XX/XX/2020. That I was exercising my rights to 15 USC 6802 ... 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this sub- chapter, a financial institution may not, di- rectly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a no- tice that complies with section 6803 of this title ... 


B. Opt out of reporting Credit Acceptance needs to stop reporting my installments payment to all 3 credit bureaus ( third parties ) Stop reporting .... 

1681b. Permissible purposes of consumer re- ports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates. 

Credit Acceptance needs to remove themselves from my consumer report.

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 2018-02-26
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After Hurricane Maria passed I went to XXXX on XX/XX/2017 to have all lines switched over. It wasn't until two months later that I was notified that XXXX XXXX still had an open revolving account. XXXX did not switch all lines and the reason how I found out is because I was waiting on a final bill from XXXX XXXX to have XXXX process electronic visas to pay off the XXXX XXXX account. There were additional charges added which I notify XXXX about. I also notify XXXX XXXX that they did not have my correct address on file and that's why I never heard anything from them. I am currently still waiting on XXXX to process those electronic visas to pay XXXX XXXX. By the time two months had pass when I found out about the account still being open I had been laid off by my employer. I became XXXX and have not been able to obtain employment to make any payment of my own.

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 2020-11-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XX/XX/2020, {$10.00} amount charged by XXXX ( Merchant ) My bank is Chase. 

I disputed this charge with Chase and was given a credit for the amount of {$10.00}. I was also mailed a new debit card. 

On XX/XX/2020, a claim reversal ( ID # XXXX ) appeared in my Chase Checking account and I was charged {$10.00} causing me to overdraft. I am currently unemployed and do not have any money til XX/XX/2020 and I now have to pay an additional {$34.00} overdraft fee.

Company response to consumer: Closed with explanation