BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
Company: IQOR US INC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated calls from Allied Interstate, XXXX XXXX XXXX XXXX, since 2019.

These are the most current calls I have received : XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; I have registered on the Do Not Call List since 2004. My local phone company is unable to block these unwanted incoming calls. I do not answer these calls, but have been ignoring it. Online research has indicated that this company may be a debt collection agency. 

Although, we have ordinary bills such as a mortgage, monthly credit card payments, utilities, taxes, my spouse and I are not in arrears with any businesses or persons. We have no reason for these harassing phone calls because all our bills are paid on time! 

Please advise how to best stop these harassing phone calls, short of changing our land line phone number. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The initial dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

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 2018-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX XXXX XXXX at XXXX XXXX ( XXXX ) as well as got in a XXXX XXXX XXXX XXXX ( XXXX ) extended warranty contract there on XX/XX/XXXX. I was told by the finance manager Will that I could cancel within 30 days of the contract without any penalty fees. The amount of the extended warranty contract was {$1500.00} with payments of {$25.00} per month for 60 months. My XXXX XXXX XXXX XXXX Policy was cancelled on XX/XX/XXXX in which I was informed on XX/XX/XXXX by a XXXX XXXX XXXX representative that the balance they sent over to the dealership ( XXXX XXXX ) was {$1400.00} which was minus the cancellation fee of {$75.00}. Capital One Auto Finance ( XXXX ) who works hand in hand with the dealership informed me that only {$1300.00} was applied to the interest and principle of my car as of XX/XX/XXXX. That {$1300.00} was in the amount of two payments of {$910.00} and {$390.00}. The dealership also did not inform the bank that the payments were for the extended warranty, so the amount accrued interest. I have been contacting the finance manager regularly since XXXX and have been leaving voicemail messages and HAVE NOT received a phone call or a response. I have been getting the run around and am very upset. This company appears to be a total ripoff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2018-06-07
Company: ALMA Financial Assistance Corp.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
My name is XXXX XXXX, and for the year XX/XX/XXXX enter the Alma Financial program ( license XXXX   XXXX ) to help us consolidate our debts in a single monthly lake. We were in the program until XX/XX/XXXX, since I completed the correspondent payments with my clients. With the exception of a single creditor, who rescues them, since, as we are trying to buy our first home, in the managements of it, we realized that we were affecting the credit and decided to handle it personally without intermediaries. Today I have communicated four times to the offices, because we need a payment experience letter. I even went personally and it is closed, they do not have a fixed schedule. They do not attend clients in person. I urgently need that letter, since, we are in mortgage process. First they respond that they can write me a letter because I'm not in the program anymore. Then they tell me they have to talk to management, but they are not available. Then they tell me, that it is the legal division that has to do the most. And finally they tell me that they are going to send me a letter indicating that we already cancel the program, and they will send it by mail but in several weeks, they do not know when they can do it because they have a lot of volume. I'm terrified that because of the inefficiency of this program, I can not get my home. At this time, my family is living separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: JPMORGAN CHASE & CO.
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 am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} Chase - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Rent Recover, LLC
State: MD
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:
XXXX XXXX XXXX ( XXXX ) and Rent Recover LLC are liars and crooks. They are trying to collect an invalid debt from me and will not remove it from my credit reports/rental history reports, which affects my ability to obtain housing and/or a government job. 
I vacated this property in XX/XX/2016, and am getting charges from XX/XX/2016, when I wasn't even living in the state of Georgia at that time! They are money hungry liars, probably just vindictive that they had to pay ME. 
I have notified both companies several times via phone calls and in writing, to no avail. XXXX ignores my phone calls and does not respond to my voicemails or emails. Rent Recover LLC has been very rude to me : hanging up when I tried to explain their error, calling me names and using profanity. Also, Rent Recover LLC has not responded to my emails either. 
I moved away from the slumlord property, XXXX XXXX XXXX, due to health violations that the landlord failed to alleviate. Yes, this is documented from the GA State Health Department. I withheld rent in order to gain my landlord 's attention. We settled out of court, I signed a Consent Order, along with my attorney and XXXX XXXX, the landlord 's attorney. The order stated that this will not affect my credit as an eviction and that no monies would be owed. I thought it was over until I got denied for housing. I am livid. I don't owe these people and will not pay these people. If this matter is not rectified immediately, I am suing both companies. XXXX, for breach of contract and Rent Recover , LLC for credit reporting violations.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
HSBC locked my checking acct. I called & they said it was because of 2 things : 1, my home phone # was changed. Well, I looked on my profile & it didn't ask for, nor did I provide a home #. Just my cell #. 
2, On XX/XX/XXXX, I got a deposit from a family friend : {$1500.00}. On XX/XX/XXXX I transferred this {$1500.00} to my other bank. They said because it was taken away, it must be fraud, when it specifically said " TRANSFER '' I have sent them an email, because they transfer me or hang up on me when I called. 
I was going to go to their branch, 20 min. away today. And first I called & the phone # was disconnected. And my GPS showed an open field & said " building missing. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Law Offices Howard Lee Schiff, P.C.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a letter from this alleged law firm, in reference to a different collection agency reporting in my credit files, than company mentioned in letter, regarding same credit card company. I have previously advised XXXX, and its dba companies, via fax, the credit card company should have a note, regarding a medical hardship I have been going through, since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Southwest Recovery Services, Inc.
State: SC
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:
This is a complaint filed again from previous complaint XXXX filed and closed on XX/XX/2018. Southwest Recovery responded that they do not have information locate credit file. Of course they do not because they don't have the correct spelling of my name, my accurate address or my correct full social. I am asking that they send me the valid copies of documents they used to verify this account before reporting this account to XXXX. I am enclosing the Notice to Furnishers I received from the FTC, the correct and true proof of my address and two copies from my XXXX  credit report showing this collection account. The account number that I provided in the previous complaint is as it is on my XXXX  credit file. They want me to give them my information, which they need to be giving me what they have on file to support this collection account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
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:
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I was told by my mortgage lender, PNC Bank, they were having trouble finalizing the appraisal on the home I was purchasing. I paid {$540.00} for the appraisal on XX/XX/2020. The lender, in the XX/XX/XXXX phone call and follow-up conversations said the third-party appraiser - hired by PNC Bank - made an error in their report and could not finalize said report. 

Our closing date was scheduled for XX/XX/2020. Because of this error - outside of my control - the closing was pushed back to XX/XX/2020. 

In the interest of timeliness, my wife and I agreed to sign a form waiving our right to receive the appraisal any sooner than 3 days prior to closing. The form indicated, however, we would receive the report before closing. We closed on the home yesterday and still - on XX/XX/2020 - do not have the appraisal report in hand. PNC Bank has refused to cooperate and send me a copy of the form I signed or the appraisal in a timely manner. 

As PNC 's errors regarding the appraisal have already cost me time, money, and frustration ; AND I still have not received a report I paid for within a timely manner as agreed upon in writing - I am requesting a full refund of my costs paid to PNC Bank for the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX  and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these company. I also saw XXXX is reporting 3 late payments on my credit report which is incorrect and false. I have never been late. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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:
Dear Experian/XXXX/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Resurgent Capital Services L.P.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a letter from this alleged law firm, in reference to a different collection agency reporting in my credit files, than company mentioned in letter, regarding same credit card company. I have previously advised LVNV, and its dba companies, via fax, the credit card company should have a note, regarding a medical hardship I have been going through, since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX  i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these company. I also saw XXXX is reporting 3 late payments on my credit report which is incorrect and false. I have never been late. I am a victim of identity theft.

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 2022-10-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is to the Credit bureaus. I have disputed this information multiple times with no change. I have sent in my ID Social Security Card as well as police report and XXXX has continuously stalled me. I would like your help in getting this matter investigated and removed immediately. My personal information has been used repeatedly used and my identity is compromised. Please help XXXX is reporting incorrect and fraudulent information in my name which has severly hindered me. I am not responsible for the following accounts. 
XXXX XXXX XXXX XX/XX/2020 -This account is ridiculous. There is no payment history and no notes on this account. It just shows a collection which I have no idea came from. I have disputed this account explaining that I have no knowledge of this account. I have asked for proof of my signature when applying for this account. I have had no such luck in fixing this issue. 

-XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX I have continuously explained that I have no knowledge of this account. I have never opened this account and I dont understand how it is listed on my report. This account is also fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX I have never had an account with XXXXXXXX XXXX XXXX I reached out to the company directly to ask for proof and to explain that this is fraud and they were suppose to investigate and remove. It has been years with no change. The account has no history or usage on any devices fraudulently purchased yet I have had no help it removing this information. 

XXXX XXXXXXXX bankruptcy XXXX have only filed a XXXX XXXX XXXXankruptcy in the past. Which has already been removed after 7years. I have repeatedly reached out and disputed this information with the credit bureaus as well as the bankruptcy court on how this misunderstanding needs to be fixed and removed immediately. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: First Credit Services Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First Credit Services is reporting a {$950.00} debt for a gym membership that I was part of for three months. The debt collector is trying to collect three years worth of membership fees. I have asked the debt collector to verify the debt and send the original contract, but the debt collector has failed to respond.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Experian Information Solutions Inc.
State: VA
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 this many times and Experian will not remove this account that is incorrect. I have finally cleaned out my storage unit and was able to locate the letter from XXXX XXXX  regarding my items that show on my credit report as being returned. I have sent that and the envelope showing the stamp date and asked that they fix this account that was reported as a collection and with a XXXX balance as well. They just sent back the dispute investigation and have refused to remove this from 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 explanation
Consumer complaint received 2021-08-18
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a letter to Financial Credit network for a medical collections account that they put on my credit and have yet to receive a response or account deletion. The account was paid in full. Per The Medical Debt Relief Act of 2021 ; Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) ; Fair Credit Reporting Act 1-year waiting period before medical debt will be reported on a consumers credit report and to REMOVE PAID OFF and settled medical debts from credit reports that have been fully paid or settled. 
This is a violation of federal law.

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