BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: The Wilber Law Firm, P.C.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has continued to call ke after I told them not to. They are calling looking for my husband XXXX XXXX XXXX.i gave him messeage first time and told them not to call me and remove my number. They have called me twice now XX/XX/29 and XXXX. 

On XX/XX/29 I again told them they were not to call the women stated she was a lawyer and that I diddnt have to answer phone. I said I knew who they were and we are in a spousal restriction state so you can not speak to me and you can not reach him on my cell phone. She became rude and told me she could call I told her remove my number and not call. 

On XXXX she called again and said she was going speak to me and she would continue to call till XXXX called her I finally hung up. She was absolutely rude and I feel threatened that I can not stop calls unless I force my husband to call her which I cant make him do. The truck he was driving was in his name the insurance was in his name i have nothing to do with any of this and yet I'm one being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I opened up a XXXX XXXX in which I signed a two year agreement. I has service for a few months and ended up switching carriers at which time I owed an early termination fee since I did not keep service for the full two year as I had initially agreed per the contract. In XX/XX/XXXX I was contacted by a debt collector on XXXX XXXX behalf in which I was offered what I thought was a great deal. The debt collector offered me the opportunity to settle the account in full and if I did they would delete the collection account from all three credit bureaus. They advised once my payment cleared on their end which normally lasts about 48 hours that they would send me a deletion letter to provide to the credit bureaus. Months went by and never received one as they promised. I do not know the name of the debt collector nor do I have their number so I had to call XXXX directly and XXXX advised me that there was no such comment on my account. The collection account was removed from XXXX but not from Experian or XXXX. Not sure why it was only deleted from one of the three credit bureaus but they have not delivered as agreed upon. Not only should have the account been deleted Upon looking further into my Experian credit report I realized that XXXX XXXX is n't even being reported correctly as it does n't even show up as a collection but is being reported as a regular account which was closed with two late payments as failed to pay and a 1 month term. From my understand a collection account shows up as a collection as how it currently shows On XXXX. Credit reports show as {$0.00} balance but should n't be on neither of the two anymore.

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 2021-02-03
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Someone keeps calling my office and trying to collect a debt that I know nothing about. They call all the time. Their number is Navient XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Since XXXX of 2019 I have been disputing XXXX XXXX XXXX on my credit report. I have disputed this account with all three credit bureaus whom all responded to dispute as updated. However, after reading the FCRA I cant be dinged twice on an collections account. Just in XXXX 2020 Equifax reported that I was 120 days late with this account. The account was charged-off and is closed. I'm not sure a derogatory account is showing payment history/ Charged-off/ late payments. When I don't have a payment plan set-up with this company. This collections account reported late payments for all three bureaus in XXXX which impacted my score and report tremendously. I have disputed this with all three bureaus as stated for about 2 years and they keep saying verified. How can this be verified when the account is charged off/ closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
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: Account information incorrect

Complaint:
Since XXXX of 2019 I have been disputing XXXX XXXX XXXX on my credit report. I have disputed this account with all three credit bureaus whom all responded to dispute as updated. However, after reading the FCRA I cant be dinged twice on an collections account. Just in XX/XX/2020 XXXX XXXXeported that I was 120 days late with this account. The account was charged-off and is closed. I'm not sure a derogatory account is showing payment history/ Charged-off/ late payments. When I don't have a payment plan set-up with this company. This collections account reported late payments for all three bureaus in XXXX which impacted my score and report tremendously. I have disputed this with all three bureaus as stated for about 2 years and they keep saying verified. How can this be verified when the account is charged off/ closed?

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 2018-03-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

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 2021-09-13
Company: Prosper Marketplace, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Prosper Loan Inc. called me on XX/XX/13 at XXXX XXXX  to let me know I was approved for an {$8000.00} loan. I never applied for a loan with them but was a victim of identity theft. Then they began to repeatedly text message me. I have received XXXX text messages since the first call and have requested they stop all contact with 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 2017-11-28
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I filed 2 previous complaints and the information provided by Experian in response attempted to obfuscate the issue. I also just learned that Experian has retaliated against me for filing complaints against them and lowered my credit score again. They first lowered my credit score in XX/XX/XXXX in response to my requesting a Security Alert and a Security Freeze from XXXX and Experian. Experian has not addressed the question - at Experian, can an individual 's FICO score be negatively impacted if an individual requests a Security Alert or Security Freeze from a credit bureau? 
The question the CFPB should be investigating is why is Experian lowering individual FICO scores when the individual requests a Security Alert and/or a Security Freeze in response to the XXXX breech. XXXX responded that they are not responsible for the FICO score and that their algorithms are so complex that they do n't know how a person 's credit score is calculated. After filing my complaints, they further lowered my credit score in retaliation. I have only 2 credit cards. I pay off my 2 credit cards each month ( if I have used them ) and never have a balance carry over. I have no debts other than a mortgage and have never been late for a bill, mortgage or loan - never. And Experian lowered my credit rating twice - it appears now that it is a retaliatory action. It is ridiculous to respond that it is the lender that determines the FICO score. I get my credit score through my credit card. I have learned thru an elected official 's office that they have received the same complaint from other constituents.

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 2021-09-13
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: MD
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 sent a letter to the credit company on XX/XX/2021 and they never got back to me so by law they need to remove ( us bkpt # XXXX ) and us bkpt # XXXX they had up to 30 days to respond and they didnt and did not remove this from my account. these accounts do not be long to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Commercial Acceptance Company
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Been a member of XXXX XXXX XXXX XXXX for over five years. Notified company my employment came to an end on XX/XX/2019. Company made contact regarding no hassle loan and overdraft on account. Made company aware in the process of fighting employment and unemployment. Company said they will work with me and promise no collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Over a month later, TransUnion STILL has not mailed to me my requested FREE annual credit report. 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 2020-05-04
Company: EQUIFAX, 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:
My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX   XXXX {$600.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$530.00} USDOE/XXXX   XXXX {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been receiving back to back calls and have recently seen a drop in my credit score due to Afni collections. I have been warned not to speak with this company over the phone and to have everything in writing. I do not know what this debt is. I have never received any notices in the mail regarding any outstanding debt. I always pay my bills on time and do not believe this debt is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I got a flex loan with XXXX XXXX. The balance is now around {$4600.00} with an interest rate of 279.50 %. The payments are $ XXXX/month and I can not afford that. 

I have called the company and asked about lowering the interest rate, so that I can make affordable payments. They refused to lower the interest rate. I'm not trying to get out of paying the principal back, but I see no hope in even trying with such a high interest rate. 

I have learned my lesson. I will never do this again. We could work this out, if they will just be reasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: DISCOVER BANK
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:
I have had my identity stolen and I have contact the police and received a report and sent it to both Discover XXXX XXXX XXXXl. They will not accept that I am telling it's not of my doing and now I can't refinance my house and I am forced to put it up for sale

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: BARCLAYS BANK DELAWARE
State: VA
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:
On or about XX/XX/2020 we made a reservation for a XXXX in XXXX, XXXX and paid a deposit of XXXX to reserve the place which was going to be used to celebrate my XXXX birthday on XXXX XXXX. 
Then XXXX happened and we could not travel. We disputed the charge with my credit card company ( Barclays Credit Card Account # XXXX ) and the bank said that they could not dispute this amount because the merchant had no refund or cancellation policy that dealt with XXXX. 
While I understand that the merchant had a no refund cancellation policy that dealt with XXXX, I would like to appeal the rejection of this dispute on the grounds of extreme unforeseen circumstances, since no one really could predict this pandemic and no company was having a clause for this item back in XXXX when I booked the place. 
Given the current pandemic, there is no way we will be able to travel to XXXX for the foreseeable future. We have contacted the merchant on several occasions and were informed we would have a year to claim our credit. This seems extremely unfair and a breach of the original contract, considering that there is no telling when we will be able to travel in the near future, let alone to an international destination, that is currently devastated by an ongoing and uncontrolled pandemic. As you may know, Mexico has seen an increasing rise of COVID cases totaling around 408,499 confirmed, with some experts estimating the real figures closer to 7 million, given testing limitations. It is unreasonable to expect anyone to travel to this destination safely within a years time and therefore we will not be able to claim our credit and forfeit the full amount of our deposit. 
We sent a letter appealing the credit card company decision on XX/XX/2020 and Barclays Bank has not responded or resolved this issue.

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 2021-09-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent letter to the credit bureau requesting info on a bankruptcy that was on my report. I ask for the source. Their response was XXXX XXXX. I proceed to XXXX XXXX, they deleted the bankruptcy from my credit report. So, then I sent another letter to credit bureau with a copy of the deletion. They didn't reinvestingation the credit bureau just stated that it was verified. But it can't be verified thru XXXX XXXX or the court hous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Tuesday, XXXX XXXX, XXXX I received a direct deposit of {$280.00} to my checking account. For 6 weeks prior to the XXXX, XXXX XXXX deposit the amount was sent to the active checking account without incident. For some reason the XXXX, XXXX deposit was made into a closed checking account whereby Chase bank then proceeded to first, return the deposit and second, close the account. 

I had no idea what had taken place and only discovered this action by Chase only AFTER I incurred overdraft fees on the open checking account. I contacted Chase about the matter and they stated the error stemmed from the sender of the direct deposit and that they returned the funds on XXXX, XXXX XXXX. This was not the case as the {$280.00} was sent back on XXXX, XXXX and the sender had no record of the money being delivered back to them. 

Chase waived the overdraft fees incurred during that period. I checked back with the sender and up to XXXX XXXX they had n't received the money. Despite this fact Chase ONCE AGAIN issued overdraft fees on my checking account totaling {$64.00} on XXXX XXXX, XXXX. 

I think it is OUTRAGEOUS that Chase is charging me overdraft fees on an account where their actions are the direct cause for there being insufficient funds. When I contacted Chase about removing the {$64.00} in overdraft fees they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America is guilty of unfair banking practices. This dates back to XX/XX/2012. In XX/XX/2012, I reached out to Bank of America for assistance with my ARM mortgage. I requested a refinance, however I received a short sale package at my door, this was not authorized or requested. My mortgage account is and has always been current. I did not qualify for hardship assistance as I was not having a hardship. However, in the very very difficult process of stopping the short sale process and making it clear I requested a refinance, I was told to just wait as I was included in a Department of Justice Settlement and would receive something in the mail. I was told this repeatedly as months would pass and I would call to check on the status. Over time I witnessed a few handfuls of BOA EMPLOYEES received these " DOJ Packages '' that I was told I would also receive. To date I have received NOTHING. In the mean time, I started reaching out to BOA for a refinance, every year. I have been told over and over, you are just under water we don't have options. I am the unfortunate homeowner that does not have a government loan and the home is still under water. I need help! I have an adjustable rate mortgage-the rate is going up, along with property taxes. I need the piece of mind that the payment will not increase any further and BOA just isn't offering me any options. I guess if I stopped paying which would ruin my credit, they would offer me help? I have questioned BOA as to why I never received this " settlement '' that they said I would, I asked to provide the notes regarding the DOJ conversations with me, I asked for documents from a previous complaint in which the DOJ Settlement was referred to and they will not produce anything. I have submitted my concerns through the XXXX and to BOA directly and receive NO response from them at all. I want answers and help coming up with a solution. Bank of America can help since they own my loan

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 2019-10-02
Company: Experian Information Solutions 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:
I applied for a car loan online and was denied. I thought it was a mistake because I've always paid my bills on time. I spoke to someone at the lender 's customer service and he told me I had delinquent accounts. I was confused and went and pulled my credit report To my surprise I saw several things on my report that were not mine. Before reaching out to you all I contacted the police and got in contact with the FTC. I need these items deleted. 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 non-monetary relief