BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I MADE SEVERAL REQUES TO EXPERIAN TO UPDATE MY FRAUD ALERT PHONE NUMBER ON MY CREDIT REPORT. DESPITE THE SEVERAL REQUESTS, THEY HAVE NOT DONE.  THEY WOULD SUBMIT A RESULT INVESTIGATION THAT HAS NOTHING TO DO WITH WHAT MY REQUEST. IT IS VERY FRUSTRATING!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: Vehicle Solutions Corp
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has violated several practices pursuit the FDCPA ( Fair Collection Practices Act ). I am demanding a XXXX XXXX as this company is reporting negatively on my credit file. This company needs to remove this file from all reporting XXXX XXXX asap and I demand the following be sent to me asap if it is not removed. 

XXXX XXXX XXXXI demand you stop all illegal negative reporting to any and ALL consumer reporting agencies and remove from my file NOW*** ***XXXX XXXX*** ***Check for {$5000.00} for all Violations under FDCPA as of this notice and have it sent to my name and address listed above. *** ***XXXX XXXX XXXX*** ***INVOICE FOR WHEN VECHILE WAS SOLDXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector is not answering any of my questions that I ask them once I verify that they have my correct name and address. I never owned any phone company any debt. This is the first Im hearing of this debt and cant get any further information. I want them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase have a loud fraudulent activity to occur in my college account in the month of XXXX XX/XX/XXXX check deposit /cashed the amount of {$2700.00} XX/XX/XXXX check cashed the amount of {$2900.00} XX/XX/XXXX card purchases for {$360.00}, {$110.00} {$470.00}, {$390.00} & {$600.00} XX/XX/XXXX XXXX  XXXX XXXX for {$250.00}, {$250.00} & {$1100.00} XXXX XXXX  {$220.00} and {$150.00} XX/XX/XXXX Remote online deposit {$2400.00} XX/XX/XXXX XXXX XXXX {$50.00} XX/XX/XXXX Deposit I am retiring {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive requested a deed in lieu, many times now, however I have only received the run around from Ditech Financial. As a consumer that has tried to keep open communication with the mortgage company, only to get denied responses from Ditech and never a phone call is bad enough, they instead filed a foreclosure on me instead of granting me a deed in lieu. Ditech decided to show me just how much they cared about their customers. Ditech sent a third party vendor to my home, to survey the house, who decided to trespass into my property, steel some of my belongings, vandalize the house, ripped down curtains from the window, winterized my appliances and changed my lock and left a paper. When I called Ditech and asked them what was going on, they told me I was # of days pass due and they needed to see if the home was in broom swept ready condition in order to approve me for a deed in lieu. They also told me I had water damage. Then said they were told by the vendor that the home was vacant. I told them the vendor knew the home was not vacant prior to trespassing and they ripped down my curtains to make the appearance the property was vacant. I told Ditech they knew my place was not vacant because every time I call them they ask me if the home was vacant and I gave them the same answer each time, which is no and that someone is staying there until my deed in lieu is approved. I asked them what reputable company sends a vendor out to their customers home to rip down curtains and destroy property to make thier customers home appear as if it is vacant and steel their belongings? Of course Ditech could not answer that instead they said Im sending an email to XXXX XXXX so they can take the lock lock off of your home so you can get back into your property I asked for the number to call them and was told I could not have thier number they had to call me and they will. Well my conversation with Ditech took place this morning and now it is XXXX and still no call from thier vendor XXXX XXXX. I also asked Ditech for the CEOs email and was told the relationship managers manager would call me back, also no call. Ive never experienced such defamation, fraud and deceitful business practices from any company. Please help this concerned consumer. Im sure Im not the first customer they have done this to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I provided my XXXX XXXX information to pay for a cruise on XXXX XXXX XXXX ( " NCL '' ) My XXXX statement had an XXXX/XXXX/XXXX transaction date and a XXXX/XXXX/XXXX post date in the amounts of {$2600.00} and {$140.00}. I paid XXXX 's bill in full. Today ( XXXX/XXXX/XXXX ), XXXX week before the cruise, I XXXX told me that they never received that money from XXXX, XXXX insisted that I give them another credit card and pay the amount again or they would cancel my reservation. XXXX insists that they paid XXXX and XXXX insists that they did not get paid. I have now paid for that trip twice. That is XXXX times almost {$3000.00}. I spoke to XXXX ( XXXX XXXX ) at XXXX. XXXX was not interested in the fact that I had already paid the full amount to XXXX because they claim XXXX did not pay them. I spoke to a supervisor at XXXX named XXXX XXXX XXXX spelling may be wrong ) at XXXX in South Dakota. XXXX is a big bank for a long time that knows how to trace funds. These are two huge companies and they are leaving me out to dry, each blaming the other. How can this happen? Thank you for your attention.

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 2021-05-12
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX reported medical bills on my credit report which is a violation of my HIPPA rights. Reported to all 3 credit bureaus, Experian, XXXX, and 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 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 been notified through XXXX website that I have been a victim of the data breach of XX/XX/2018. According to their files I have many open accounts that I have no knowledge of and do not belong to me. They are using these files as references for the security questions to gain access to my report. Because these accounts are not mine I have no knowledge of the details surrounding them and therefore can not access my own credit report to correct these errors. There are also errors regarding my name and addresses and former employment. I have made attempts through email to get help from XXXX  and I received no reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive called Experian multiple times regarding this matter. Ive submitted proof. Old information is reappearing on my report. I disputed it and Experian still doesnt want to delete it. XXXX XXXX has invalid information and this account was reinserted. I already disputed with the Original creditor. I have another account XXXX XXXX, its been paid in full and it still shows as unpaid. I still have late payments on XXXX XXXX and XXXX XXXX that have been taken off of my XXXX and XXXX reports. XXXX late payments reporting on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX  has late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I need all my inquiries deleted as well, I never signed off on any of whatever is reporting on 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 non-monetary relief
Consumer complaint received 2017-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After receiving an email that my account was closed, I had called Capital One to explain that I had a been a victim of identity theft and was hoping that they would extend some type of help to keep my account open. After speaking to several representatives and supervisors, they were very steadfast on closing this account. Even one supervisor explained to me that this was the only type of calls that he was getting all day. Many of the representatives were saying that their hands were tied behind their back. My main concern is that I was not even notified that my account was in jeopardy of being closed even after I called to get a new card because of my identity theft. When I order the new card not one person informed me of anything that was about to go wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX XXXX  when finishing XXXX school I was misadvised on best repayment strategy by XXXX XXXX. They advised leaving loans in deferment and focusing payments on high interest loans rather than consolidating and starting pslf. This wrong strategy/advice has cost me several extra years of payments. 

See dept of education complaint XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Here is the account that needs to investigate and remove from my personal credit file : ARS ACCOUNT RESOLUTION - 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 2017-10-28
Company: FCC Finance, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Your agencys failure to rebut, address, answer or respond to Conditional Acceptance Upon Bona Fide Proof of Claim, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created Default Judgment and Declaratory Judgment of the facts stated herein being true. Your agencys failure to rebut, address, answer or respond to Default Judgment and Declaratory Judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created Summary Judgment, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, of the facts stated herein being true. Further failure to rebut or continued acquiesce, failure to address, answer or respond, stand as a Final judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, with prejudice of the facts in this matter stated herein and will and shall stand XXXX XXXX, under full faith and credit in any and all courts in the land from beginning of this matter, XXXX XXXX, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Paramount Capital Group, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Paramount Capital Group and XXXX XXXX XXXX are running a XXXX scheme against innocent consumers to obtain a commercial driving license. I inquired to XXXX about taking refresher training in backing up a trailer. They informed me it was not offered. I said, okay, and thanks. I had my learner permit already. However, I was told I must complete 180 hours through a replicate school to obtain my commercial driving school. IT is not a true statement. I did not realize it was a fabrication until I applied for my first job. I just needed to take the driving test at the XXXX without going to school. I did not have to attend school! I was deceived, hoodwinked, and manipulated. Paramount Capital Group is using gangster and unprofessional collection tactics to collect these XXXX payments after saying they would get with XXXX and withdraw this illegally obtained loan. I have driven in the XXXX for six years, and I did not need to attend school. XXXX XXXX XXXX was aware of my military affiliation. I can not believe this company would take advantage of a Veteran. I have been duped into a fraudulent loan. I do not know what part Paramount Capital Group played in this XXXX scam. However, somebody should investigate this before they ruin my credit profile. I should not have to repay a needless loan I was conned into obtaining. I knew something was suspicious when the recruiter started calling me from private numbers. They should be shut down from doing business. Additionally, I am filing a complaint against them with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX is not correcting inaccurate information on my statements. A supervisor previously acknowledged there was an issue, but they now they deny there is a problem. I entered the information provided in statements in a spread sheet. It is attached. Notice that the amount I am supposed to pay each month for easy payment promotional purchases is not the actual amount applied to each item. I have been making at least the minimum payments every month. I can not balance my account until the issue is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not help me with getting it back up and going, I am not sure if this is some mistake as I assume it has to be I have not been able to get help from them for months but i remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Paypal quite frequently. My email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i received a call from the caller ID phished number for my bank Truist on XXXX. They told me there was unauthorized attempt through my XXXX attached account for {$1000.00} and {$2000.00}. They asked for the last XXXX of my social and had my text them my login information. I spoke with my banking institution later and they told me there was no fraud attempts and that they were not going to monitor anything further

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 2017-10-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all XXXX credit reports on or around XXXX XXXX, XXXX and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below. 

FCRA XXXX XXXX ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph XXXX XXXX XXXX, the information XXXX not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

XXXX ii XXXX Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).

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 2021-05-12
Company: EQUIFAX, INC.
State: LA
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 had a joint vehicle loan with XXXX XXXX. He was responsible for the payment and did not pay. They garnished his wages but I ended up paying {$7000.00} to XXXX XXXX and hired a lawyer to sue him. None of the credit bureaus have removed it. Ive disputed it and sent documents that it has been settled. Ive even received notification from XXXX  that they reported the balance XXXX  but they still have it on my report.

Company response to consumer: Closed with explanation