BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Charges dont add up. Some bills say More some bills say less. This company didnt allow me the opportunity to pay they just ripped the car away from me knowing I got sick with XXXX treatment and other medical and mental health I offered to pay what I can I could no longer work at the time and when I communicated they didnt care. The guy told me Im sorry but Im not the one thats sick no offense so I hung up the phone. How can this statement not be offensive. I have too many issues to deal with this unfair treatment check voice recordings arent all calls recorded? They are liars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX cashapp took XXXX from my account and XXXX they took another XXXX frome me and said they had an error and I feel it's not my fault they had an error and I would like my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My complaint is primarily with NationStar/Mr. Cooper Mortgage Servicer on my mortgage.  I was notified by new transferred mortgage servicer - XXXX  - that my loan was being transferred effective XX/XX/2018 onXX/XX/2018.  NationStar never sent a single notification of this servicing transfer.  Then I was notified by XXXX that the investor of my mortgage was changed from XXXX XXXX to XXXX XXXX effectiveXX/XX/2018.  (Notice was dated XX/XX/2018.)  NationStar NEVER notified me of any change to the investor of my loan, which preceded the  change in servicer, effective XX/XX/2018.  Additionally, NationStar NEVER notified me of an ARM adjustment which should have been sent the latter part of XX/XX/2018.  The new servicer does not have that document either.  NationStar should not be in the business of servicing loans if all they want is to buy and sell loans.  This was a tremendous inconvenience as I was in the  middle of a HARP refinance and now (after the fact)  I find XXXX XXXX "stepped away" as investor.  Presumably because the projected new servicer did not wish to work with or comply with XXXX XXXX regulations.   I will contact the FTC, CA Banking Regulator and anyone else necessary to rectify this non-compliance situation.  Thank you and look forward to a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: ENCORE CAPITAL GROUP 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The debt had been settled back in XX/XX/2015. I had a cell phone with XXXX that was retirned. The only one I had left i paid my bill as normal, then switch to another company XXXX and have been with them ever since. It showed up on my report after I filed for bankruptcy. It was put in XX/XX/XXXX. They are steady try to collect on something that is uncollectible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: Experian Information Solutions Inc.
State: FL
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:
Experian is reporting an account on my credit report in complete error and it is in violation of the Fair Credit Reporting Act. The account is XXXX XXXX XXXX is no longer in business and their portfolio was acquired by XXXX XXXX XXXX I have opened numerous internal investigations with XXXX XXXX 's escalations department to fix this imprecise information from my credit report. Last month, XXXX XXXX faxed me a letter indicating that the account shows on their end as PAID, CLOSED, with a {$0.00} balance which is the correct way the account should have been reported in the first place. The account on my credit report shows a balance of {$380000.00}, payment history is inconsistent, monthly payment is incorrect, date last active, and date of last payment are inaccurate and incomplete.

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 2021-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
you can not go to a bank america branch where they do not make you wait at least one half hour to get to the one teller they have with a line of 10 people ... they need to provide more staff to support the customers, instead of making you wait on the phone or at the bank for more than half an hour, standing, to get to the teller their treatment of customers is criminal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Exeter Finance Corp.
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: Problem with personal statement of dispute

Complaint:
Sent out verification form, no one every sent verification of account back over... The information under the accounts dont match the open date, the late payments date dont match, the high credit amounts dont match, the report date and last active dates are no match

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: NC
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 want to complain against EQUIFAX. a XXXX XXXX XXXX acct was turned over to XXXX XXXX XXXX  in XXXX, nc. i made an agreement in writing and have made all current payments on time since XX/XX/XXXX. XXXX has taken this acct off and i have a score of around XXXX. EQUIFAX however will not take it off and i only have a XXXX score on equifax. i want it removed just like it was with XXXX. again the complaint i want equifax to remove this acct from my report. all payments are caught up and on time with a mutual agreement in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a loan with loanMe which form the start was set up on auto draft ACH. they stopped drafting it and I was un aware. They then gave me a modification and again set me up on auto draft. then 2 month later the same thing happened causing late fees and damaging my credit and harassing phone calls to people I never listed on the application making it very embarrassing. the loan was then modified again setting up AUTO DRAFT ACH AGAIN!!!! same thing the not taking the payments and continuing calls when it was set up right from the start and I clearly want action taken against them and justice to be serviced for their scam artist tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXX 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.

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 2019-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Portfolio Recovery Contacted My Boyfriend about a debt I had with XXXX  XXXX over 15 years ago. The debt is for XXXX XXXX They told my boyfriend about how much I owe and asked him to make the payment. The time of the call was XXXX am on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2020-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery services calls me at least 20 times a day I get calls from New York, Virginia, Minnesota and many other states. Many times when I answer these calls there is noone on the line and it will disconnect when I xall the numbers back it is an automated system for PRS yes I have record of all calls. They dont leave messages and becausr it is typically automated machines there is noone to speak with. I cant believe that these companies are just allowed to do whatever they feel and their is no protection for the consumer. I cant clear a debt when you constantly call from automated machines, and fail to send any documentation to me in the mail. This is ridiculous and needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: ACIMA CREDIT, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone made an account under my name with acima credit XXXX XXXX XXXX in XXXX, and has a total lease balance of XXXX with a monthly payment of XXXX to be paid off in a 12 month term. The unpaid lease has brought my credit down, I called company to let them know that I do not recognize opening one, they told me to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 previously have been trying to get an issue addressed regarding identity theft on my report .... I have had several addresses and accounts that were as a result of my identity being stolen ... the addresses and some information has been removed and corrected but the accounts have not, .... i have a past ftc affidavits and I have added the additional accounts that I left out on these ftc affidavits ... I was told I did not have to have them notarized but one of them a month ago I did ... .. this information was mailed to you as early as XXXX of this year and has not been corrected ... recently you corrected some information and I am now sending the rest of the information that was missing from my first complaint regarding the accounts that are fraudulent ... I still have not been able to find out who have been using my information but so far I have been able to get all of the addresses and fake personal information removed and taken care of .... .but these accounts are still reporting that are on the FTC affidavit.

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 2023-08-31
Company: EQUIFAX, INC.
State: IL
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27
Company: PNC Bank N.A.
State: NJ
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 complaint is related to XXXX already existing complaints with the CFPB, XXXX and XXXX. Please see attached letter for the detailed complaint. 

In summary, I have been subjected to privacy violations, likely Fair Credit Billing Act violations, and in general an inequitable and opaque dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Bull City Financial 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: Problem with personal statement of dispute

Complaint:
Bill City Financial reporting my name for unpaid medical bills despite a 3way call between XXXX XXXX XXXX XXXX XXXX, Bill City, and myself! 100 % XXXX Veterans have no medical bills for Outside Medical Care.Bull City told me they contacted Office and was told I have outstanding balance due and that is untrue statement.Bull City keeps my name on derogatory credit list despite verification from XXXX XXXX XXXX. 
XXXX A XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: ALLY FINANCIAL INC.
State: VA
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:
Brought a car XX/XX/2019. When to check my credit yesterday and I have all these inquiries from when I brought my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that CB/WAYFAIR is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX U S DEPARTMENT OF EDU XXXX Account Number : XXXX XXXX U S DEPARTMENT OF EDU XXXX Account Number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Upgrade, Inc.
State: TX
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:
Upgrade credit line company took an extra {$2900.00} from my account over three weeks ago and refuse to refund the money. My account is paid in full, and this is a double payment which should not have occurred. 

When I call and speak to customer service, including a supervisor, they refuse to give me any information and keep saying its a process. After multiple attempts to get a resolution, they still have not refunded my money, and they keep saying they are waiting for management approval, which never comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Block, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Well from my account with Cash App/Block inc located at ( Block Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ca XXXX ) i had Cash Outs transfers totaling {$760.00} they claim well actually they totalled {$780.00} that occurred on my account between XX/XX/2020 and XX/XX/XXXX, XXXX they were not authorized or anything by me I had not even noticed till my account was very short on funds for bills and took a very long look into why and noticed these transactions and they tell me that I authorized them when I don't even know anyone who lives in Michigan let alone going to tell me that I did it I am born and raised in New Jersey still live in jersey and been tryin to fight this for a while now I'm willing to go as far as filing charges and everything court and all like I live on ssi just became homeless recently like I don't understand how this gets closed cause they investigated this and says I did it like I showed papers and all that I had nothing to do with these transactions I'm disputing I'm like baffled with this all like where is justice and everything but I guess cause big Corp says it it has to be true God forbid small people open there mouth and voice injustice being done to them to where I end up losing {$760.00} like I'm supposed to just sit here and take it on the chin with a smile well I'm not going too I'm going to continue to fight for this wrong being done to me and voice it out to all who will hear me and help maybe I am so disappointed with this government and there non-helping ways to XXXX the little people over as long as the rich get richer maybe you would understand when it finally hits you like it did me

Company response to consumer: Closed with explanation