BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I first noticed my identity was stolen in 2019 when I started receiving mail and phone calls for from various companies claiming that I owe them money, I have never really been big on my credit and haven't ever really paid attention to it until now because I am becoming older would like to have great credit I cant because all the negative accounts some thief left me with. This whole ordeal has been a nightmare. I have filed police reports with my local police department, I have also contacted all parties involved with no help from anyone no one seems to care. I have even contacted the different credit reporting agencies ( IE ) Equifax, XXXX, and XXXX to no avail. These thieves have XXXX  of dollars worth of debt in my name attached to my credit reports, I would love to have all responsible parties involved to be held accountable. and for the credit reporting agencies to delete all the negative accounts and collections from my report so this nightmare can over. The negative accounts include XXXX for XXXX, XXXX   for XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX for XXXX and XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX  for XXXX, XXXX XXXX XXXX for XXXX, XXXX XXXX XXXX, US Department of Ed for numerous amounts. The list goes on I will attach separate documents with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
On XX/XX/XXXX I contacted American Express Serve at XXXX to report Fraud on my card. I spoke with a representative who said that the department that handles fraud is now closed and I must call back at XXXX. At that time there were 2 fraud charges. When I called at XXXX there were now 2 more charges. I reported the fraud and was able to save my last {$500.00} that was on my card. And requested a new card. 
I received an email stating without any explanation that my fraud dispute was denied. I am writing to appeal this denial in the amount of {$1400.00}. We are in a global pandemic and I was recently laid off due to covid-19, and the money that was stolen was my last paycheck. I am in desperate need of my money. I had attached the Fraud form several times, appealed 3 times and was denied each time.

I am certain that there are cameras on the dates of the transactions. I have not been given a reason except I do not have enough information to prove that it is fraud. My account has been compromised yet I am responsible to prove this. How? Check the time, date and location of the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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'm very much thankful that the inquiries I requested to be removed were indeed mostly removed, though, there were still four more that I need to remove from my credit report. Please see these inquiries that needed to be removed within 15 days time : EQUIFAX : XXXX, XXXX XX/XX/2023 XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: FC HoldCo LLC
State: NY
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:
XXXX XXXX XXXX XXXX repossessed my vehicle in XX/XX/2017. I have made several phone calls to the company and ask them to send me a letter stating when the sold the vehicle and how much they sold it for and the balance of what is left on the vehicle. As of this date I have not received any information on the vehicle. I noticed they have it in my credit report owing car finance and flagship credit showing a balance of {$16000.00} and just increased the balance by {$400.00} more dollars. From the time they repossessed thy vehicle they never sent me no information on it. They never offered me a chance to get the vehicle back after they repossessed the auto or even made me aware of that it would be auction off. An even after they sold the vehicle they never in sent me nothing on how it was sold for or what is the balance after it was sold. I have called them to try and clear this matter up but they still wont send information out. I would like to clear this matter up with the company..

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 2020-05-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I initiated an international wire transfer of XXXX EUR from XXXX  U.S. based business to a business based in XXXX who is doing work for my company. Chase stated that the funds would be available by no more than 5 business days past the transfer 's initiation. The transfer was never submit, it spent days calling them trying to figure out what happened to my transfer only to get repeatedly told that the transfer is under review and the department reviewing it is either closed or just can talk to me. I was finally able to get a hold of a supervisor who informed that the country I was sending the funds to ( XXXX - where our family is based ) is now considered a high risk country and transfer was rejected. Never once did I receive any communication from Chase that it had been rejected. I also had been able to complete a wire transfer of {$30000.00} with no problem, less than three months earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Special Financing Company, LLC
State: CA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA VIOLATIOn ; not mine, please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for Chapter XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXXNever late. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for Chapter XXXX Bankruptcy. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXXNever late. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXXNever late. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
Chapter XXXX bankruptcy XXXX Potentially negative Date Filed XX/XX/XXXX Court US BKPT CT TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: DISCOVER BANK
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:
( XX/XX/19 ) Received email that my account is " delinquent '' from missing a payment, called and XXXX representative said it was a mistake ( XX/XX/19 ). 
I made a payment and re-set up automatic payments moving forward ( XX/XX/19 ). Account still incorrectly marked as delinquent and bringing down my credit score. 

Help is much appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: TN
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 HAVE DISPUTED THESE ITEMS THEY HAVE NOT REMOVED THEM YET

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 2020-01-23
Company: Experian Information Solutions 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:
I applied for a personal loan with XXXX XXXX XXXX today XX/XX/2020 and I was told that I did not qualify for the loan because there is an account reflecting badly on my credit report. The account is XXXX XXXX XXXX for the balance of {$25000.00}. This account is not mine ; I never opened t nor did I ever allow anyone to open this account on my behalf. I looked into this more and found out that this account possibly belongs to my father XXXX XXXX XXXX. This has happened in the past since we share the same name. I did not allow anyone to open an account in my name nor have I ever had any written/verbal contract with XXXX XXXX XXXX I never made any payments towards this account nor did I benefit anything such as money, goods or services from this account. I have already filed a police report regarding this incorrect information reporting on my credit.

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 2021-01-22
Company: ALLY FINANCIAL INC.
State: PA
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:
On XX/XX/XXXX, Ally Financial XXXX XXXX XXXX XXXX and Transition information from XXXX as if it were XXXX, resulting in a Derogatory remark on the credit report. The consumer attempted multiple times to have the problem rectified, only to receive multiple notifications that Ally Financial " adequately reported information to the credit bureaus, and the investigation was complete. '' I submitted multiple requests as to why information from XXXX was re-reported on XX/XX/XXXX, and no one at Ally could indicate why the Derogatory remark was added to the account, but each time I called in, it was indicated that the account was not Derogatory and that it was in good standing and has been in good standing since XX/XX/XXXX. As such, although the account has been in good standing since XX/XX/XXXX, it is currently being reported as Derogatory. The consumer reached out to the credit bureaus, and was told it was a problem with the lender, and the lender indicated it was a problem with the credit bureaus. My XXXX XXXX dropped almost XXXX points as a result, and I was in the process of purchasing a home and was no longer eligible due to the error on my credit report. My livelihood has been greatly affected, and I am unable to purchase anything as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter Warfield took collection from my former leasing company XXXX at XXXX XXXX. Despite the fact the XXXX had my email and I left a forwarding address they never sent me a bill. I was totally unaware of the amount owed until I started receiving frequent and aggressive calls from Hunter Warfield. I informed them that I have never received a bill or any type of notification from XXXX at XXXX XXXX before being turned to collections. The collector Hunter Warfield had been calling me for months before they finally sent a summary of an amount owed with no details. I have been unable to validate the bill or what I am even being billed for to date. I informed Hunter Warfield that refuse to make payment on a bill I am unable to validate. I also don't think I should see credit impact without first being informed what my charges are for in detail. I was never even given that chance to resolve the bill with XXXX and now am unable to substantiate charges to work on resolution with Hunter Warfield and in the mean time I continue to be charges interest and have my credit negatively impacted with no real means of solution.

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 2020-01-23
Company: EQUIFAX, INC.
State: LA
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:
Equifax and XXXX are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 )   bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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: Account status incorrect

Complaint:
I provided both XXXX and Experian the proof to remove creditor XXXX XXXX, Acct # XXXX, Report Date : XX/XX/2021. XXXX removed the inaccurate account, however, Experian still has the account reporting. I demand that the account be verified or removed immediately.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2019-11-13
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:
I applied for a personal loan today XX/XX/19 and I was not approved because when they ran y credit, they said that there was an account and some inquiries reflecting badly on my credit report. That account does not belong to me. I did not open that account and I did not allow anyone to open this account in my name. I have never opened an account with that company nor did I ever make any purchases or payments towards the account that I have listed on this report. I filed a police report as soon as I found out about these unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Conserve has been calling nonstop every day. I have told them to remove my number as I am not the person they are looking for. They hung up and are calling from different numbers. I have no debts and a perfect credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian Violated the FCRA law. This has been on my report since 2007 XXXX XXXX account # XXXX they keep deleting it the putting it back on my credit 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 non-monetary relief
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2017-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I just received notice that my existing CFPB Complaint # XXXX is closed and Bank of America has still continued to report erroneous ratings to XXXX for my mortgage account. They acknowledged the reporting was not correct and that corrections were made, but this is not the case. Please assist in having them comply, they have violated by rights under Bankruptcy already and I do n't feel they are completing the tasks that they promised on.

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 2015-09-09
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Why did XXXX XXXX XXXX refuse to provide us with the actual amended & restated note loan modification agreement form 2003 to us? 
Why is XXXX FKA XXXX Or Nationstar mortgage of XXXX refusing to give us a actual copy of the Amended and restated note loan modification agreement paperwork to us? 
Also I want a answer why all my military service time I was denied when I provide the correct info?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
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 mortgage company ( m & t bank ) keeps reporting to the credit bureaus that my mortgage is late because they fail to withdraw the money from my account on time. XXXX and XXXX reported late.

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