BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: Receivables Performance Management, LLC
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 recently submitted back towards the end of XX/XX/XXXX early XXXX of XXXX a Identity theft affidavit XXXX # XXXX ) ( to XXXX, XXXX, and XXXX  who was also included along with the affidavit ; a copy of my drivers license, social security card, and a recent copy of a utility bill. The Affidavit included specific detailed information relating to fraud related accounts due to identity theft which were XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, and XXXX. XXXX  and XXXX  both failed to adhere to section 605b of blocking fraudulent information after being notified within 4 business days by a consumer. In addition XXXX   failed to investigate my dispute by responding with report # XXXX for XX/XX/XXXX stating they are declining my request and would require a copy of an identity theft report, drivers license, and social security card which is THE SAME INFORMATION THAT I SENT TO EXPERIAN WITH BOTH OF MY INITAL DISPUTES. This clearly violates section 609 and 611 of the Fair Credit Reporting Act and is a deliberate refusal to honor my request. Yet it has beyond 30 days and these fraudulent accounts still remain on my credit file which is against the FCRA guidelines. Due to the numerous violations these fraudulent related accounts should be removed immediately from my credit report from collectors as well as the bureaus.

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 2023-01-28
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a XXXX camera from XXXX XXXX at the amount of {$740.00} on thursday XX/XX/XXXX, that i never received. I used my discover it card. I corresponded with the merchant for over a month and they ended up not giving me a refund. they told me to call my credit card and I did. I filed a dispute with discover and they rejected my claim within a week. They did not take into consideration the evidence that my item was not delivered ( or misdelivered by the carrier ). The proof of delivery does not even show my address and it did not contain a photo or signature for an item thats almost {$800.00}. Discover rejected my claim very fast and I believe they did not do enough to consider my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I received a notification that I had an collection on my credit report. Upon looking I noticed that I had fraudulent inquiries and a collection from XXXX opened up in XXXX for XXXX 's XXXX  I also have been trying for over a year for XXXX  to remove XXXX  off of my report. XXXX and XXXX also have accounts that don't belong to me.

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 2023-05-11
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: Jim Bottin Enterprises, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX a scheduled withdraw by XXXX XXXX  was scheduled to pay my monthly gym fee {$19.00}. I forgot that the yearly fee was due. I had {$45.00} dollars in the account. The total fee {$58.00}. Of course it bounced. The bank took {$30.00} in overdraft fee. Now there is {$15.00}. The bank sent a notice by mail, did not get it till Sat XX/XX/XXXX. By then XXXX tries again to withdraw the funds. Bank fee # 2. Monday XX/XX/23 I called my Gym and XXXX. XXXX had set another withdraw for XX/XX/XXXX. By the time I called it was done. Bank fee # 3. I had automatic withdraws stopped. I called tues It did not look liked my email had gone thru. I complained that I had not even been notified by XXXX. I confirmed stopped withdraws. NOT 2 minutes after I had hung up the phone. I get a Notice by email of insufficiant funds from XXXX. I called Wed. I spoke with XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX. I requested they pay the 2 extra insufficant fees from the bank. I take responsibility for not having the proper amount in my account. I forgot. Why did XXXX not notify the gym or myself. They would have just gone on trying to take money without notifying anyone. 
They tell me notifications are a courtesy. I say it poor business practice if that is your policy. They denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
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 'VE DISPUTED THIS FRAUDULENT ACCOUNT AND CONTACTED THE CREDITOR NOTIFYING THEM OF THIS FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY CONSENT. THE ACCOUNT IS XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED 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 2023-04-04
Company: Paramount Recovery Systems, L.P.
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 belongs to someone else

Complaint:
I checked my credit and saw three medical bills reporting from XXXX XXXX for XXXX XXXX XXXXXXXX XXXX  XXXX in the amount of {$660.00} ; one account from PARAMOUNT RECOVERY SYSTEMS from XXXX XXXX XXXX XXXX in the amount of {$720.00} and one from XXXX XXXX XXXX from XXXX XXXX XXXX in the amount of {$680.00}. 

These are all incorrect as I have been in and out of prison and have been homeless, something I let the triage nurses know prior to services rendered. I completed the financial assistance forms to ensure services were covered. I am very surprised to see these bills reporting to my credit. I never received any correspondence about these debts or how to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: CA
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:
EQUIFAX has continued to create roadblocks to my checking my report with EQUIFAX. Please investigate this repeat offender. This company has exposed my information in a day breach and I have had problems with the consumer report, receiving credit and other issues. I've had lots of mental anguish. I am worn with this company and the fraudulently activity committed against me. Please make this matter public. This credit reporting agency has allowed several companies to access my consumer file on an unauthorized basis a total of XXXX  times, so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: EQUIFAX, INC.
State: MO
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:
The following accounts I have disputed them a month ago but was told by the major 3 credit bureaus that these accounts have been verified. Inwhich these very accounts I do not have a contract with nor have they been physically verified. I'm requesting the Method of Verification inwhich was used to equate the accounts as valid via my credit report. Inwhom within your company, name and title, spoke to whom and what means of communication was performed, phone, email, texts, fax, etc. What day and time did this take place. What physical documentation was delivered to both you and I that verifies these accounts, 1 ) XXXX XXXX {$0.00} 2 ) XXXX XXXX XXXX {$7.00} 3 ) XXXX XXXX {$570.00} 4 )  XXXX XXXX XXXX {$0.00} As stated in the FCRA laws if this information is not provided in its entirety then the above accounts shall be blocked immediately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: South Carolina State Housing Finance and Development Authority
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I lost my job and was struggling finding a new job. I finally found a job in XXXX but at that point I was already 2 months late. When I finally had enough to make the payment I wasnt able to pay any less than {$4500.00} or 3 months of payments. I applied for a government assistance grant through XXXX XXXXXXXX in XXXX, but the program wouldnt pay anything if I made any kind of payments. Finally by the middle of XXXX they made the payment and I wasnt delinquent anymore. Im just asking for removal of the credit marks from that time so I can buy a new car soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: FinCo Services Inc DBA Current
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
on XX/XX/XXXX i went to use my card and it was declined when i went in and checked my account it said XXXX balance which was weird cause i know i had a XXXX XXXX  in that account when i opened the current bank app on my phone and started looking i seen that i was getting charged XXXX times a day for XXXX XXXX for anywhere from XXXX XXXX down to XXXX and it was and had been happening for over a month sometimes as little as XXXX XXXX  apart to a couple hours apart i have some that were like XXXX XXXX XXXX XXXXXXXX then another XXXXXXXX XXXX XXXX XXXX XXXX then another XXXXXXXX XXXX XXXX XXXX XXXXXXXX  and this went on for almost XXXX  months from XXXX XXXX  and i seen XXXX of the charges it looked like they added XXXX XXXX  interest for the tip just outrageous tips there are like XXXX something charges in total some from interest online for XXXXXXXX XXXX to XXXX XXXX  for XXXX XXXX.so i contacted current bank told them what was going on they asked me to get them all the recipe numbers so i did and told me there investigators would look XXXX it and it could be XXXX XXXX so XXXX weeks or so goes by and im broke need my money back and contact them they told me they did not see a fault and that they were not covering the stollen money i tried to tell them the charges were in XXXX from what i can tell and asked why the same bank that will shut my card off on me when i buy a pack of gum to late didn't stop stopped the charges for XXXXXXXX XXXX XXXX XXXX  on average of XXXX XXXX  from XXXX miles away who would ever order that much XXXX XXXX  times a day and the lady i was talking to said our investigators made there mind up thats all i can say i tried to get her to get someone that was above her to talk with the only problem is they only contact through messaging so im stuck with no money to pay bills over something that's obviously not me i hope you can help i need to pay bills then i got to looking at there email and over half the charges arent even on tho complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN
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:
Debt Validation Notice I recently received a copy of my consumer report and while I was reviewing it, I noticed several things that have been documented incorrectly by all the different reporting agencies. 
In pursuant to 15 USC 1681 Accuracy and Fairness of Credit Reporting In pursuant to 15 USC 1681 b Permissible Purpose of Consumer report According to the law before any information is inserted on my consumer report, it should be accurate and fair. In pursuant to 15 USC 1681 b ( a ) 2, It states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. 

According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear. 

I am demanding that you reinvestigate this account immediately and provide me with the requested information within 30 days. I am also demanding that you provide me with an audit trail. I need the following included in the audit trail : The account file and original contract that has my signature on it Account Ledger from the open date through the last date of payment activity All accounting documents from the open date through the last date of payment activity All account transactional history from the open date through the last date of payment activity When was the last date of payment Please be sure to provide everything that I have requested above because based on my findings there are several inaccuracies being reported. Until you can provide me with sufficient proof, I am asking that you cease and desist all collection efforts such as communication by phone, email, postal mail, text message, social media. If this debt has been sold to a 3rd party collection agency, they must also cease and desist all collection efforts until sufficient proof has been provided. 

If you are not able to provide proof of the reinvestigation and all the information requested above, I am asking that these accounts be PERMANENTLY DELETED from my consumer report with all reporting agencies according to 15 USC 1681 i : Treatment of inaccuracies/ unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Disputed information on my report, and nothing was done iam a victim of identity theft I have police report to prove it aswell

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified that a collection agency reported a debt on my credit report in the amount of {$640.00}. I disputed this debt directly with the credit bureau who responded that the collection agency Debt Recovery verified the debt. The credit bureau despite my request failed to provide verification of physical documents of how this company verified the debt belonged to me. I then attempted to directly contact Debt Recovery and ask they provide me with validation that the debt belonged to me since this is something I never received in the first place. A certified mail was sent to Debt Recovery requesting validation of debt however as of date I have received no response from this collection agency however they are still continuing to report inaccurate unverified information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions Inc.
State: TN
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:
At the initiation of me surrendering my property back to the mortgage provider, I sent paperwork, legal documents and other pertinent information due to the home being sold illegally by a builder who was not licensed to build a home. Inevitably, the home 's foundation failed. The home sold at auction in XXXX. The mortgage account was closed with the correct payment statuses listed in my report. There is no foreclosure listed, and that is correct. In XX/XX/XXXX, I received a 1099C with and identifiable code of G which is identified as decision or policy to discontinue collection. Not identifiable code D, which is foreclosure. Which is correct. I have repeatedly requested the loan company update my credit report to reflect this and remove any remarks listed. Nothing has been done although my Experian report has been updated as of XX/XX/XXXX to reflect a foreclosure code. My XXXX  report is correct. My XXXX  report still states foreclosure. 

The mortgage company has failed to remove this information from my credit bureau reports after multiple attempts. Either I need an updated tax form or they need to remove all remarks and statues stating foreclosure from my credit bureau accounts.

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 2023-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have the better balance rewards credit card from bank of america, which pays me {$30.00} every quarter for monthly usage of any amount. So for XXXX, I get paid {$30.00} in XXXX, and so on... and XXXX XXXX in XXXX. 
I usually get paid {$30.00} by XXXX of each quarter, I was supposed to be paid {$30.00} for XXXX, 2022 this month, but I didn't receive it. I tried contacting them online and through phone but none of the agents bothered listening to me and always pretended to get it all confused and no matter how many times I call or contact them, no one bothers investigating why I wasn't paid or even opening a case for me. I tried to stay on the line for several mins to hours, but no one helped, which was infuriating since all the last few years I always got paid on time, but this time it seems like they dont care about their customers anymore.

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 2019-03-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
While in the process of seeking new living quarters in XX/XX/2018 I had to have my credit ran. I noticed at that time there were some erroneous items on my credit report. At that point I called EACH creditor associated with the accounts. The creditors were unable to verify the accounts and instructed me to call the credit bureau that were reporting the accounts. All three credit agencies instructed me to call the creditors. Once I informed them that I had already spoken with the creditors and they were unable to verify the accounts, I was then instructed to file a police report because it was clear that I was a victim of identity theft. Equifax is reporting these fraudulent items, and have been since XX/XX/2018, and they are listed below. 

1. XXXX XXXX XXXX - {$2600.00} 2. XXXX XXXX - {$1200.00} 3. XXXX XXXX - {$1200.00} 4. XXXX XXXX XXXX XXXX XXXX - {$1200.00} 5. XXXX XXXX XXXX - {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as ofXX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: ARVEST BANK GROUP, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint about them holding my principal payments in a suspense account instead of applying them to the principal on my loan. You contacted them and they moved the funds yesterday and today they have moved them back. I have contacted the company and they don't know what is going on. I don't want to have to wait another 4 months to have them attempt to remedy the problem.

Company response to consumer: Closed with explanation