BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: Conn's, Inc.
State: TX
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:
To whom it may concern ; XXXX XX/XX/2020 I received an alert on my credit report stating Conn Appliances had reported a missed payment. My monthly payments are due every XXXX of the month. My payment prior to this date was made on XX/XX/2020. On XX/XX/XXXX, I called Conn 's customer service phone # and processed a payment over the phone I asked the rep what my balance was to bring my account current because I knew I owed XXXX but it wasn't 30 day 's late. She said {$150.00} and that would put my account at a {$0.00} balance. My account should not of been reported 30 days, especially by them reporting it on XX/XX/2020 it hadn't been 30 days. 

On XX/XX/2020 I called to speak about this matter they stated I needed to send an email to dispute the issue. Which I did, I called a few days later XX/XX/2020 and the rep I spoke to stated Conn 's did not report a missed a payment advised her they did and also let her know I sent an email about this issue. She looked into and she did see my email and stated the email was sitting there unread but she would fwd to the right department but she could not give me a time frame of when it was going to be reviewed. A week later XX/XX/2020 I called back and spoke to XXXX XXXX Employee ID # XXXX from the billing department he reviewed my account and he stated this was an error by Conn 's and he stated I would received a letter via email stating this matter had been taken care of. He asked me to call back within 72 hours in case I did not receive it. 

I didn't receive the letter, I called back XX/XX/2020 and spoke to XXXX a ( supervisor ) she stated she needed to send the account to " Maintenance '' to update billing and she would make a note for the credit bureau department that this was in fact an error. She also stated the issue would be resolved within 72 hours. She wasn't sure on the letter to my lender, but she assured me she would call me back same day to confirm. If for whatever reason I didn't answer she would leave a voice mail or call back again. I was off of work that day and had my phone on me all day and she did not call me back. I called back today and spoke to another ( supervisor ) she stated she needed to further review my payment 's on the account because she notice XXXX 's payment was NSF I'm not sure why because on my bank account it was drafted. She stated she would get back to me by the end of next business day. I have been getting the run around on this matter for the past month and no one, not a rep nor a manager have been able to resolve this issue. If my account was in fact late why didn't I get a written document via email or mail or a phone call. Attached are copy 's of my bank statements from 2020, including XXXX 's draft!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Experian Information Solutions Inc.
State: MI
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 made several attempts to get Experian to remove incorrect info on my report. I have been told that the dispute was verified by a 3rd party vendor but won't disclose who the vendor is. When I asked why they first told me they don't have to supply that information, the other response I got was it is a security risk. I am not sure how I am suppose to have something removed from my credit without being able to speak with the 3rd party vendor. I did XXXX who Experian uses for public record verification and found XXXX XXXX. I reached out to them and sent me a copy of my public records report which shows to bankruptcy 's on the report. Experian is violating the consumer credit protection act which states the following " If requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

My second issue is I have a charge write off being reported from XXXX XXXX which is also incorrect. I have supplied documents that the account was paid when the bill was due. They claim the company has verified the claim but yet they have stated they were never sent proof from Experian.

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 2020-05-28
Company: Mr. Cooper Group Inc.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I BELIEVE THAT MY BANKRUPTCY DISCHARGE TO MY MORTGAGE HOLDER WAS TOO MUCH AND MONEY WAS PAID TO THEM THAT SHOULDN'T HAVE BEEN PAID. I SAW TOO MANY DIFFERENT AMOUNTS THAT WERE OWED FOR THE SAME CREDITORS. WHEN I WENT TO MY CLOSING FOR THE SALE OF MY HOUSE THE FIGURES WERE TOO MUCH ALSO. I'M SENDING PAPERS THAT SHOWED ONE AMOUNT BUT SOMEHOW THEY GREW. I DON'T UNDERSTAND HOW A {$140000.00} MORTGAGE OVER A PERIOD OF 20 YEARS GREW TO BE {$190000.00}. THIS IS NOT RIGHT. PLEASE EXAMINE THE PAPERS I'M SENDIN FOR HELP G. I WAS FORCED TO SELL MY HOME AND NOW MY HUSBAND AND I ARE RENTING.THIS IS NOT RIGHT. I WAS SCAMMED BY XXXX XXXX  AND PACIFIC FINANCIAL. I REACHED OUT TO CFPB FOR HELP. I HAVE PREVIOUS CLAIMS THAT YOU ALL CLOSED. THEY STATED THAT THEY WERE WORKING WITH ME. THEY WERE BUSY FILING FORECLOSURE PAPERS. I BLOCKED THEM BY FILING THE CHAPTER XXXX. THE EXPENSES GOT SO MUCH THAT I HAD TO CHANGE TO A CHAPTER XXXX AND SELL OUT. THIS IS IN HUMAN TO TREAT TWO SENIORS WHO HAVE INVESTED ALL OF THEIR EARNINGS INTO A HOUSE JUST TO LOSE IT. ALL OF THE OTHER COMPLAINTS WERE STEMED FROM THE SAME PROBLEM WITH PACIFIC AND HOMESTEAD. PLEASE READ THE OTHER FILED COMPLAINTS THAT WERE CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Wells Fargo bait and switch scam. 

They offer a {$400.00} checking bonus on their website XXXX XXXX   XXXX And then are declining customers with perfectly good credit. They declined me and sent me a deceptive email requesting that I can not open the account online, yet IMPLY that I can still get the {$400.00} bonus by simply presenting identification inside a branch. 

***The branch has no ability to complete the process that was offered by the Wells Fargo Online Department XXXX That is clearly deceptive. XXXX The branch then attempts to call the online department for verification. The online department redirects the branch to call the sales department, and the sales department redirects the branch to call the online department in circular fashion so the issue never gets resolved! 

This is a bait and switch because when you apply, you will automatically be decline after 24 hours no matter what you do. They deceptively told me to " unfreeze '' all my credit bureaus, and after doing so I still got declined! I have perfect credit and they simply want me to open an Everyday Checking account with no bonus in the branch, after initially attracting me with a {$400.00} offer online that they have no intention of fulfilling.

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 2020-05-28
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am desperately looking for a fair solution. I am writing to you today regarding the following Transworld Systems accounts : 1 ) Account # XXXX, Date Opened in report : XX/XX/2014, Original Creditor XXXX XXXX XXXX XXXX, Balance {$100.00}. 

2 ) Account # XXXX Date Opened in report : XX/XX/2014, Original Creditor XXXX XXXX XXXX XXXX, Balance {$60.00}. 

This company is reporting false and erroneous information to the credit bureaus, and I am demanding both mentioned items to be removed from my reports. 

Please send the attached documents to Transworld Systems Inc. 

Thank you, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
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:
There has been a new company called XXXX XXXX that has been posted on my credit with falsified information. My identity was stolen and I have Been battling identity theft for years. XXXXXXXX XXXX   Is a false collection with false information that is NOT mine and needs to be removed from my credit. XXXX XXXX XXXX balance is {$140.00} and was posted XX/XX/XXXX 16

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am seeing a debt on my credit reports XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services I had no idea who this agency was, nor was I aware of said collector until I applied for a vehicle loan I had never had any communication with them in the form of email, regular mail and or phone call regarding this debt of {$2300.00} Upon our Lawyers advice we wrote to this Agency asking for verification of said debt The letter was very precise and specifically asking for the following ; to provide any and all competent evidence that I have any legal obligation to pay them Specifying that I had no contract with this Agency for said debt I wrote this letter in XXXX of 2018 and sent it Certified Return Receipt Requested After a little over a week I received the confirmation from XXXX that they signed and received my request for validation letter ( signed return receipt was delivered to me ) As of this date I have still not received any validation from this Agency nothing that legally validates any obligation or contract to pay this Agency - no proof of any correspondence with this Agency I have not received any correspondence and/or phone calls I have never spoken with any individual from XXXX / XXXX Resurgent Capital Services They are still reporting to all 3 credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: NJ
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:
This complaint is for Experian failure to respond to my written personal info dispute letter DATED XX/XX/2020, ( MAIL VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX ). This certified mail was received, signed for, and delivered into Experian possession on XX/XX/2020, as recorded and detail by the U.S. Postal Service. THIS FAILURE IS A VIOLATION OF FCRA SEC. 611 ( A ) ( 1 ) IN WHICH I WILL SEEK DAMAGES FOR IN A COURT OF LAW FOR EACH PERSONAL INFO ITEM THAT WAS NOT INVESTIGATED. 

This is not the only personal info dispute letter received by Experian, there has been prior letter disputing personal info and continually they refuse to correct the information even after being proved proof of the inaccuracies. Experian is attaching two addition names of individual to my Credit file similar to my Legal name but not my legal name. EXPERIAN REFUSES TO DELETE THESE TWO FALSE NAMES. 

The dispute letter in question is attached to this CFPB complaint. When I did send this letter to Experian along with this personal info dispute letter I attached my State of New Jersey drivers license, my current utility bill, and my Social Security Card all bearing my only Legal Name correctly spelled. This shouldve left no room for Experian to misconstrue the correct facts regarding my personal information. 

Experian is constantly and continuing to report inaccurate personal info on my Credit File. Time after Time I submitted proper documentation of my Identity, Correct Name, and Address. Experian continues to report my name wrong after repeated attempts of sending in my personal info dispute letters, which they continue to disregard. Experian needs to delete any name on my Credit File that is not my Legal Name. 
Please delete all incorrect names off my report, as they are not deliverable to me by the U.S. Postal Service, and they are not reportable because they are inaccurate and false. As per the FCRA, listing false and inaccurate information will lead to civil penalties in which I am going to pursue under the FCRA and the NJ FCRA

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 2020-03-06
Company: Arete Financial Group
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Disputed : XXXX/XXXX/XXXX CFPB : XXXX XXXX XXXX XXXX Arete Financial Group LLC Account : XXXX In XX/XX/XXXX I contracted the services of Arete Financial Group, LLC a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : XXXX XXXX with an balance of {$15000.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$15000.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer of installments payments to the creditor made on XX/XX/XXXX for the remaining balance was declined by the creditor of which I am grateful,, my financial accounts highlights that the reporting balance is incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.

Company response to consumer: Untimely response
Consumer complaint received 2020-12-10
Company: XOOM CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
My account was canceled by Xoom without any explanation as to what i did wrong. 
This is a violation if my rights and i cant adress the issue if they wont tell me in detail what i did wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sending an affidavit because I saw my credit report and there is so much inaccurate info on there. I am a victim of identity thieft. Someone stole my information and opened up accounts under my name. These fraud accounts are holding my credit score down. please investigate and remove these fraud accounts 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 2018-09-27
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: Account information incorrect

Complaint:
I repaid in full and closed my auto loan with XXXX XXXX XXXX on XX/XX/2018 ( account number XXXX ). This has not been reported by FICO and my credit score has got impacted due to lack of payment information. I get this message when I do my credit check with XXXX based on Equifax FICO Lack of recent installment loan information FICO Scores consider recent non-mortgage installment loans ( such as auto or student loans ) information on a persons credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: Their investigation did not fix an error on your report

Complaint:
I'M SUBMITTING ANOTHER COMPLIANT BECAUSE THERE ARE STILL ACCOUNTS SHOWING ON MY CONSUMER REPORT THAT I DID NOT AUTHORIZE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a very small amount owed due to an overlooked bill for an ER visit in 2018. The balance was turned over to Ability Recovery unfortunately and I immediately responded in 2018 and changed my payments to go to directly to them ( Ability ). I send them something monthly but they will not stop calling me. I make a payment. I am down to only around {$60.00} and I'm set up to pay them {$10.00} a mth. I do not understand why they do the automatic aka rebo calling to my phone almost daily. I need it to stop. I always pay my debts. Always.

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 2021-09-01
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company called me claiming to be some type of arbitration and mitigation company. They said I had a debt from Citibank from a card I opened in XXXX. They stated that I paid on the card for three years before I defaulted. When I tried to explain to them that there was some type of mistake because : 1. I never had a Citibank Card 2. I have never heard of this debt before now.

3. In XXXX my credit was so bad there was no way citibank would give me a card. 

The lady got mad and hung up on me. I called back the next day ( XX/XX/XXXX ) and the rep would not give me the spelling of the company name so I could write it down. I tried to get the address of the company and she refused to give me the address. After once again threating me with legal action the representative got angry and ended the call again. Unfortunately all I have is a phone number that I was able to call back on XXXX. This company needs to be looked into. The rep had all my information, my current address, my social security number, my drivers license number and my previous address. I didn't not verify or provide any of this she already knew it. 

A few thing that didn't add up 1. She called it Citibank but didn't seem to know who Citigroup was. 
2.I recently purchased a home so my credit report has been reviewed many times and this was not on there.

3. She had my place of employment when I opened the card as XXXX. XXXX which is a failed LLC that I started years after she said I opened the account. That could not have been my place of employment because it didn't exist at the time.

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX please remove the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2022-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One Credit Card Company Told me that I was pre approved for a credit card to help build my credit up more and that my odds for approval on a credit card was great So I applied for the credit card and didnt get approved for the credit score they told me I was pre approved for and my credit score was very decent enough to get the credit card so now I have these hard inquiries on my credit report for listening to capital One I dont know what to do because its stressful when ur trying to build ur credit up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief