BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2016 I had several different accounts with Bank of America that were closed. When this happened Bank of America decided to report some of these accounts to XXXX XXXX XXXX. The problem is that some of the accounts being reported on XXXX XXXX XXXX does not belong to me. Bank of America has sent me correspondence that shows how many accounts I had with them and what those account numbers are, in total it was four accounts. I then ordered and received my XXXX XXXX XXXX Report and it had conflicting information on it that did not match the correspondence sent to me by Bank of America. According to the report, there are two account numbers being reported for me that are not present in the information sent to me by Bank of America. Therefore, I am asking for Bank of America to instruct XXXX XXXX XXXX to remove those two accounts off of my 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 monetary relief
Consumer complaint received 2018-04-03
Company: The Outsource Group, 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 have applied for 2 Mortgages and I have got denied on both due to remarks on my credit report XXXX XXXX and XXXX! I had a medical collection account sold to XXXX XXXX XXXX for 2 of the medical bills I am not disputing I owed this bill I am disputing in the notes on my Credit report it states Included in Receivership and included in bankruptcy! 2 account on XXXX  and 1 on XXXX XXXX! I have spent the last 6 months disputing and re disputing and the keep coming back saying accurate! The remarks and notes are inaccurate I have never had a bankruptcy and these notes are causing my financial harm.

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 2018-07-14
Company: Southern Freedom Financial Services, LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call on Saturday, XX/XX/2018 about a debt I do owe. I set up payment plans with them and told her she could debit my bank account on Friday, XX/XX/2018 and then weekly at {$20.00} a week until the debt was paid off. However, she took funds from my account on Thursday, XX/XX/2018 and caused me to overdraft. I received a {$36.00} fee because of her taking the debt on the wrong date. I have tried calling her several times and I have received no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Above, we have already reached an agreement upon settlement with a letter of deletion and they are now refusing to provide the document of letter of deletion. Settled on XX/XX/2021 and is still on your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from AFNI Collections telling me I had a debt of {$750.00} that I owed to XXXX XXXX XXXX. They said I could settle the debt by paying {$490.00}. I have XXXX relationship with XXXXXXXX XXXX XXXX nor have I ever. This request for money is bogus!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Arvest is the present mortgage company prior that was XXXX. When began forbearance XXXX in XXXX promised to waive accumlated ate charges if I got caught up with payments which I did.. But then they regnigted and suddenly sold the loan around XXXX giving me a two dsy notice. Similarly having same problems with new mortgage company. The noted late charges accumulated {$1800.00} XXXX promise to forgive / wave back in XXXX in keeping with forebearance if I get caught up in monthly payments which I did. Both XXXX and now Arvest leave been giving me the run around ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: NV
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 second request. There is an account on my credit report thats not mine. Please remove it. 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 2018-12-04
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I contacted my auto lender to request that I receive monthly billing statements with payment coupons, after discharge of a personal bankruptcy. I explained to the lender 's agent that the USBC 's Federal rule against Debtor contacts are extinguished upon entry of an Order of Discharge, and that issuance of monthly loan statements should have already resumed. The lender has refused to provide updated payment application information, and have refused to accept my written request for monthly auto loan statements, with payment application information, current payoff amounts, and other information required to be disclosed in auto loan statements.

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 2020-07-23
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Currently report me with negatively on my credit reports XXXX XXXX,2016 after I had to move out of my apartment due to an XXXX  husband. My husband was XXXX  me and he refuse to leave.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Dear Sir/Madam, I am writing to dispute the following information on my credit report. I have a listed the items that once showed they were removed now their back. I tried to speak with a TransUnion representative on XX/XX/2018, trying them know that my credit score alerted me and dropped down inquiries were gone one month and then the next thing I know there back on there. Ive been trying to contact the company but its stating that their closed even when their time says their open, I even called today which is XX/XX/2018 it says their closed and im highly frustrated at this point. So it seems like no one is trying to help and seems like that there's been some activity with my TransUnion reports inquiries that are being misused cause they showed back up. I never received any information as in a letter or anything to why I just know when I looked at my credit report which I do only a daily basis, one day everything was wiped out and customer service seems to not want to help my situation with them being back on there and this is affecting my credit score. 

The inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that the item be removed to correct the information of being deleted.

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 2018-05-15
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter from collection agency Commonwealth Financial Systems on behalf of original creditor XXXX XXXX XXXX XXXX ... I have called numerous times and left messages for a return call to validate that the bills are mine..requesting any kind of documentation that would have my social security number and or signature ... I have not gotten any response to my numerous messages..Both collection agency and original creditor are based out of Pennsylvania. I checked the TX Secretary of State website for these two companies to see if they are licensed to collect for the state of TX ... Could not find either name on site. I am requesting both of these collections with Commonwealth Financial Systems -- with their file number XXXX -- amount {$830.00} and file number XXXX amount {$56.00} Date of Service XX/XX/14 be deleted from ALL credit bureaus and consumer agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted XXXX XXXX aka XXXX on XX/XX/2020 to request verification of Debt. On XX/XX/XXXX I contacted them again to notify them that its been 45 days and I still have not received anything. They placed me on hold and told me that my account was now with XXXX XXXX. I contacted XXXX XXXX and they had no idea who I was. Then I called XXXX XXXX on XX/XX/XXXX they advised that they just received my account the day before and it would be forwarded to a collection agency in the next 3-5 days. I gave  XXXX more then 30 days to provide verification of debt and once I pointed out that they did not follow the guidelines they forwarded my account to another company to try to cover it up.

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 2018-07-14
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm having trouble disputing and removing a collection account on my report. 
On XX/XX/18 I submitted an dispute for Hunter Warfeild via XXXX in the amount of {$3300.00} based on the grounds of Fraud/Not my mine which the finial Result was : Verified As Accurate And will likely stay on my report. 
This is incorrect, I have NEVER opened or had any account with creditor XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is an rental management company that I have NO knowledge of/Rented from/Applied for credit from. 
On XX/XX/18 I sent out the requested official documents which included court documents, medical documents, and government documentation along with my ID to Hunter, Warfeild via email supporting my claim that I was residing in a different state at the time this account was supposedly have been opened. 
This is my official proof that I have no knowledge of this debt. 
On XX/XX/18 I received confirmation that my notice of dispute has been received, However the notice dose not provide enough information. This is incorrect. I submitted OFFICIAL government documentation along with identification. 
I also requested to see any certified/official documentation that supports the claim to this collection account, I was unsuccessful in receiving any documentation which could help me move forward with legal action.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX repo man came and stopped by the house and was told they were going to take the car, and I said I was actually on my way to go make a payment so he called it in to the company and had agreed to go make a payment, I sent a payment of {$700.00} on XX/XX/XXXX thru XXXX XXXX as they messed up my bank by trying to charge it twice. So I sent my payment and exactly today I checked XXXX XXXX   and it says I my account with Santander has been charged off, checked the money transfer and they never collected the money. 
Ive already spoken with them before that I will try my best to make atleast 2 payments in a month till Im caught up. But is it even worth it? I financed a used XXXX XXXX fo {$15000.00} and I haven been paying on time for the past 2 years till Hit rock bottom recently. Ive been paying {$420.00} a month for two years and a haof ( $ 10,000+ ), and the car pay off is {$17000.00} and the car now is only worth {$3000.00}. Santander has been a huge burden, they harass you with calls atleast 12x day some of them is at XXXX XXXX or even late at night, they have harassed my boss to the point that she asked them to removed her from call list. why does satander punish people who has low credit score cause theyve never had any history credit and make them pay 5x the amount owned? Then push you till youve hit rock bottom?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My business partner and I opened a checking and savings account with Chase Bank XXXX in XXXX XXXX last year, 2019. They provided us with a 3 checks as a part of our welcome packet. 

{$1000.00} was withdrawn from our account via a fake check that had our account number on it on XX/XX/2019 at XXXX XXXX with an entity named XXXX XXXX XXXX XXXX XXXX the east coast. 

We filed a fraud claim with Chase Bank that they rejected on the premise that the 3 unused checks they provided us were not safely locked in a XXXX XXXX ' personal residence. They claimed that someone could've seen the account number on the 3 checks and created a fake check to cash hundred of miles away from XXXX XXXX. 

We urged Chase to reconsider our claim by talking with their fraud department on multiple occasions, stating that the name and address on the fake check was someone unrelated to our business, so the check should've not been processed in the first place. Chase continued to reject our claim on the basis that the checks were not locked away in a personal residence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 Portfolio Recovery Associates, LLC lost a lawsuit they filed against me in the XXXX XXXX XXXX XXXX Florida in XXXX XXXX. See Case Number XXXX. The Court ruled against them because they could not prove owned the debt. Now they are parking it on my credit reports saying I have settlement with them that the Court also said they had no Authority to settle with the people involved in the case. Basically they were hoping that I would not show up in court so they could get a default judgement the trial started at XXXX XXXX  they when they realized I was in appearance they e Filed bogus settlement notice at XXXX XXXX. They are also trying to collect on another account from XXXX XXXX they have not provided any proof of contract between us such as complete Master Purchase and Sale Agree, Card member agreement or Forward flow contract with the alleged account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XX/XX/2020 in Chase bank ATM machine but the machine took my check and never deposited it, instead the machine gave me a receipt without the amount of money on my check and when I call the customer service they deposited the money to my account but month later they took it back and send me a letter that I didnt have any deposit that day, I still have the receipt from that deposit but they dont care about their own receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
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:
Debit was removed from credit report between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX received another debit collection letter from ERC for the same debit. I never sign a agreement with ERC. This debit with ERC is not my debit and should be removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: SC
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion is reporting I have a unpaid medical bill in collections and this bill was paid in full to XXXX XXXX XXXX XXXX directly and on time! First payment was paid directly on a phone call to a man and I agreed to pay half that day and the next half the following month. I paid {$420.00} on XX/XX/2020 Confirmation # XXXX and I paid {$420.00} on XX/XX/2020 Confirmation # XXXX. This is negatively affecting my credit and this is fraud!

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 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a total of 4 letters to all of the major credit bureaus stating that they remove accounts related to my name because there was no verifiable proof that the account belonged to me. Under the FCRA any account that is not proven to be yours has to be deleted. Not once was there any contracts or verifiable proof stating that such accounts belonged to me!

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 2020-07-23
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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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