BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-05
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: Personal information incorrect

Complaint:
There is an incorrect address on my credit report. XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX and i have called all 3 credit agencies and two claimed to delete it and sent updated reports and they are still there. None of the agencies want to remove it and their claiming its removed but its still there in four different ways, please help. I need my address to be accurate. My address is XXXX XXXX XXXX XXXX XXXX ca XXXX. My mailing address is XXXX XXXX XXXX XXXX XXXX ca XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There is an incorrect address on my credit report. XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX and i have called all 3 credit agencies and two claimed to delete it and sent updated reports and they are still there. None of the agencies want to remove it and their claiming its removed but its still there in four different ways, please help. I need my address to be accurate. My address is XXXX XXXX XXXX XXXX XXXX ca XXXX. My mailing address is XXXX XXXX XXXX XXXX XXXX ca 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 2018-08-01
Company: JPMORGAN CHASE & CO.
State: CA
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:
This is in regards to a billing dispute that occurred on my Chase Freedom Unlimited card ending in XXXX. The billing dispute I will be referencing throughout is with the merchant " XXXX XXXX XXXX '' in the amount of {$700.00} posted on XX/XX/2018. This charge was disputed because the merchant performed services that XXXX XXXX my dog. I took my dog in for XXXX XXXX XXXX  with this business. After some back and forth, the merchant assured me, in no uncertain terms, that this XXXX would have absolutely NO complications for my dog. In other words, I was guaranteed by the doctor working at this place that my dog will not experience any adverse side effects from XXXX XXXX ( much less any XXXX XXXX  conditions ). This turned out to be a complete and unequivocal LIE. After the XXXX, my dog XXXX XXXX XXXX  and experienced a XXXX XXXX XXXX XXXX XXXX. My dog, a XXXX  pound puppy, was XXXX XXXX  and howling at XXXX in the morning after the XXXX. I immediately rushed over to the nearest emergency room and took my dog in to get checked by a licensed veterinarian. I was told that my dog was on the XXXX XXXX XXXX and he very possibly could have XXXX had I gone to the ER any later. The vet prescribed some temporary medication for my dog and told me to come back later when the hospital would be running with a full staff on hand. I later took my dog in to a separate hospital where the vet was able to better diagnose and take care of my dog. All in all, this fraudulent and evil natured XXXX  which nearly took my dog 's XXXX costed me an additional {$1500.00} in medical expenses. This merchant does not deserve a SINGLE PENNY for this XXXX that not only XXXX  MY DOG ( XXXX XXXX ), but also costed me an additional {$1500.00} in otherwise preventable medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
repeated calls multiple times a day from various phone numbers If I answer, they say nothing. If I don't answer, they don't leave a message. I have called back and the name is National Credit Adjusters. I have no knowledge of this company except that they are harassing me with their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have successfully submitted disputes with XXXX  and XXXX XXXX about an unauthorized entity on my report. Equifax 's site does not function properly. When I enter my credentials and click " Continue '' nothing happens. They offer a chat service, but I tried to use it during their business hours only to be disconnected because there were no agents available. I looked for a phone number, but I was unable to find one.

This is the incompetent and unethical company who lost millions of people 's data and hid the fact for months last year. Now it looks like they have made it impossible to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Today XX/XX/18 my credit score went down XXXX points on my transunion credit report. There isnt any new negative information on my credit report that could cause this. When I called to find out why they told me that they couldnt give me a specific reason but to look at my credit report. I told them that there is no change to my report that could cause this. They told me they cant tell me why. This is insane.

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 2018-04-24
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Summons dated on XX/XX/2018 appeared at residence around XX/XX/2018 to appear in court on XX/XX/2018. Says I owed {$800.00}. Paperwork attached said amount actually owed is {$760.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted the company numerous times. Last contact was XX/XX/19 @ XXXX XXXX. I was told they were " working " on it. This debt is not owed by me and i have no knowledge of it. I asked for an explanation of the debt and i was told it was " for an ambulance ". Well that doesn't exactly help. I asked for the original creditors information and i was not given anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Experian Information Solutions Inc.
State: MO
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:
There's unverified collection accounts that's reporting on my credit report inwhich neither credit agency physically verified, in accordance to the FCRA, each account should be verified snd send consumer an physical account. However, if this is not provided then the accounts should be removed. I have no knowledge of these collection accounts dated XX/XX/XXXX, XX/XX/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 2018-06-06
Company: Ad Astra Recovery Services Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A company by the name AD Astra collections is calling me, my job and family members and is using abusive tactics to collect on a debt. They threaten to have me garnished if I refuse to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, lost his wife in XX/XX/2012, he was not able to work for a period. 
He himself became ill. He has tried to work with Ocwen Loan Servicing and after ] not being able to get any kind of help from Ocwen he hired an attorney who caused him nothing but trouble. 

Since that time he has tried to reapply for a loan modification and so far he has been declined because he did not know what to do. 

XXXX is a XXXX XXXX  and XXXX  XXXX XXXX he has a great paying job and he wants to save his home he has income that he can prove. 

They said that he could do an appeal or resubmit a new application. we are writing to the CFPB to make sure that they do give him a fair chance at applying and getting a true evaluation because his circumstances have truly changed for the better. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been struggling wit XXXX XXXX for several months now trying to get them to report my car financing to the credit agencies. The account was opened in XX/XX/2014 and placed in to " XXXX  status '' in XX/XX/2014. They claim that it is their policy to simply NOT report on military accounts and that since the account has been closed that they can no longer report ANY information. I have spoken with their " XXXX of the XXXX '' and they concluded that there was nothing they will do for me other than send me a copy of my payment history and tell me to find a means of " self reporting ''. I can understand their desire to avoid noncompliance fines and lawsuits for service members with negative credit actions, but it is discriminatory for this company to report absolutely no information about an account to the CRAs. There is no reporting of the account every being opened or closed and yet the hard credit inquiry from XXXX XXXX was still visible on my credit report. To lenders this may be interpreted as a person applied for loans and was denied. It is absurd that they refuse to report a {$35000.00} loan that had an 18 % interest rate for over 3 years and its paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Riverwalk Financial Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This XXXX XXXX company just started reporting on my credit report an amount of {$1200.00} on one and the other of {$490.00} I don't know what these are for, they state is for XXXX College a college that closed its doors and is currently in a court case due to XXXX  student loans and they are claiming balances that has nothing to do with the student loans that I have thru the school. It is hurting my credit and I never received letters or anything from them explaining what those balances where for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX I contact customer service and the refused to take care of the negative inquiries reporting on my credit report. Please help me get this matter resolved. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: HUNTINGTON NATIONAL BANK, THE
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report on XXXX XXXX to discover that I had 6 hard pulls  on my credit report, of only 3 that I recognize. XXXX XXXX, is whom I have my SUV financed through. XXXX XXXX, is the dealership I purchased my SUV. XXXX XXXX  financed a credit card from XXXX. I would like the other 3 removed form my credit report. Please remove the following : Huntingtonbk Inquiry from XX/XX/2017 XXXX XXXX Inquiry from XX/XX/2017 XXXX Inquiry from XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XXXX 2019 I looked at my annual report and noticed a collection is still is on my report after disputing it back 3 or 4 years ago the company never validated the account or sent me any proof of the debt, upon trying to dispute it the attachment above is what I received not only I could not submit online, if I tried calling you are waiting on a representative to pick up the phone for hours. Experian please do better with your practices you are not investigating the disputes instead you are responding back to the consumer stating the account was accurate. Who verified? How was this information verified? Where are the docs the back this up? Why do I have to go to this length to get some answers?

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 2023-05-12
Company: EQUIFAX, INC.
State: MO
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 urge you to correct this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I have contacted Chase multiple times on XXXX and XXXX for a credit card application due to misplaced fraud alerts. They repeatedly asserted to me over the phone that they are sending hard inquiries to XXXX, not XXXX. I agreed with the hard pulls under the impression that they would contact XXXX. It turns out that they lied every time. 

The choice between XXXX  and XXXX  matters here because they mishandled my recent fraud removal requests and I am still working with them to resolve the issues. Until the matters are settled, a hard pull from XXXX  would not help my issue with Chase but only damage my credit score. Chase thus unfairly harmed my credit score without my genuine consent on hard pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: RAS LaVrar, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX on XX/XX/XXXX at XXXX XXXX to payoff debt. At that time I was told a phone payment can be taken and it would take 14 days to process. As requested, I provided the bank information to complete payment. A continuation of the court proceeding occurred till XX/XX/XXXX but to date, the company has not completed the debit. I later receive a stipulation notice necessary to complete from the debt collector which is not required to make a payment. Repeated calls to the attorney and the collection line is going unreturned. As such, I made a requisite payment via phone to the advertised customer service number and no one would answer the phone nor respond to any communication. I simply want to pay the debt and have the company to stop contacting me about signing agreements to make full payments when I called on XX/XX/XXXX to make the full payment as requested by the legal demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Access to account by third parties without use of confirmation sent via cell phone in their possession.

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 2019-02-05
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Payment activity does not consistently appear and the amounts are not reflected in the balance due.

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 2019-05-23
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is trying to collect on a debt from XXXX XXXX. The account in question was terminated years ago due to the service being extremely poor and not being able to make calls in my area or really have in service at all. XXXX was communicated with several times to fix the issue and it went on for months and they still didn't fix it. I had no choice but to end my service I wasn't able to use my phone without calls dropping. I told them if they didn't fix the issue that I would be terminating my contract. Now they are trying to collect on early termination fees and for a service I couldn't use. This isn't fair and I would like this off my credit immediately. I am searching my emails to find the old chats between me and customer service filled with complaints for the horrible service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
Bank of America says I owe money for fraud on my credit cards 2 ACCTS I have to pay back they put me in a regulatory debt collection stating I am responsible to pay back 4 years of fraud/identity theft I had no idea about! Help me I need a pro bono attorney to protect me. Can you offer any suggestions? I do not know what to do accounts were made in my name, loans, credit cards ... allot! All my personal info has been compromised! I may have to change my soc sec number, my name. Help me! I already unknkwingly was paying fraud 4years!! Doing wire transfers ectronic mobile wallet or digital opened lots of online accounts made in my name! Income taxes falsely filed in my name! I need an advocate to aid me in dealing with all this. I am XXXX & having a very very hard time. Please I need help!

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you, and I didn't get a response within 30 days, and you all are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2018-07-30
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed with company directly as well as with Credit bureaus Numerous times requesting validation AND verification of debt via certified mail and online disputes tool. 
Each came back verified with out proof even with an attached FTC report of Identity theft. It has been months and most recent request for verification is now past 30 days without the requested verification. I have also filed a FTC report due to this not being verified because these are not my debts. 

-COMMONWEALTH FINANCIAL SYSTEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Equitable Acceptance Corp
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I signed a contract with Equitable acceptance for student loan management at the time I did not know that they were fraudulent company. In order to cancel my contract and I want me to pay an additional {$1000.00} to the nearly {$600.00} that I have already paid them. They are threatening to report me to the three credit companies and my credit score will be negatively affected. I already have a pretty bad credit score so this is not helping situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation