BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-03
Company: Continental Finance Company, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a telephone call from XXXX XXXX for a debt owed to Continental Finance Company ( XXXX at XXXX ) in the amount of {$630.00}. The first call I received was from a Service Processor stating that I would be served a complaint and that someone would need to be at my resident with two pieces of ID to sign for this Complaint and if I wanted to stop the process - I would have to call their office. I did call -- they wanted the following arrangements in order to stop the Service Processor : {$190.00} on XX/XX/2018 ( which I paid - and it was a struggle ). They also wanted me to pay {$440.00} on XX/XX/2018 to close out the account. I was unable to come up with the finances - so I called and they asked what could I pay - I told them that I would try to get at least {$100.00} - which I did and paid - but set up arrangements to pay the final {$330.00} by XX/XX/XXXX - which I am still unable to do. I pressure and stress to met their expectation is overwhelming. They stated that if I did not keep these arrangements that I would have to come to court and let them settle the matter. Help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report, and seen a charge from AARAGON collection agency for {$33000.00}, I called them in XX/XX/XXXXto advise them that the debit was not mine. The rep stated that it was an old medical bill from XX/XX/XXXX, the had my old address, from a year prior, I also advised them that at the time of the visit I had given the hospital all current information, and had insurance at the time. The rep stated that it did not matter even if I back tracked my previous insurance that it was too late to submit, I also asked if the could send me something showing that the account was really mine. I then asked why did it take almost 4 yrs to show on my credit I was advised that it was with a previous collection agency, but I could not get the information, I have also disputed with XXXX and XXXX multiple times in XX/XX/XXXX and XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under U.S.C.1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection or closed account found on my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying identity information to apply for goods, services, or money, and was successful in creating false accounts. All is being investigated by FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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: Problem with personal statement of dispute

Complaint:
Experian refused to remove a collection and late statement made by XXXX after I submitted PROOF that XXXX did NOT provide the service as agreed. I was unable to get basic XXXX cellphone service in my HOME, despite numerous complaints to XXXX they were UNABLE to provide service. Experian is reporting FALSE information about my account with XXXX. Experian is taking the word of XXXX, despite the proof that I provided. I have NO problems in my home cellphone service with XXXX. Therefore, the information should be REMOVED from my Experian credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: CORELOGIC INC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I applied for an apartment complex and was denied due to a public record associated with my social security number. I was also able to obtain the courthouse name where the alleged judgment came from. The apartment complex also told me to contact CoreLogic about this matter. I immediately called the courthouse ( Justice of the Peace 42 located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) and asked them what credit bureaus they report to and what steps do they take to verify such information. The XXXX clerk told me that they do not and will never report public records to the credit bureau under any circumstances. Today, XX/XX/2020 I contacted CoreLogic Credo about my credit report. I spoke with a representative named XXXX. I told XXXX my concerns and that I needed to know where they obtained such information and what courthouse it came from. XXXX told me that they obtain this information from the court and I told her that is not true because they told me they never give public records information the credit reporting agencies. I told XXXX that I had been denied for an apartment by CoreLogic because of a judgment but my reports from XXXX  XXXX  and XXXX XXXX do not show a judgment. I have disputed this item and asked for validation and proof of this information attached to my social security number that CoreLogic is reporting. They have failed to provide me a copy of any viable evidence from the courthouse or the apartments in which the balance is allegedly owed named. I have previously requested their method of verification and they have not complied which is a violation of the Fair Credit Reporting act 611 ( a ) ( 7 ). Please validate this information Justice of the Peace 42 located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX 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 2023-03-15
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 discovered that some of the information on my credit report was incorrect when I reviewed it. I have already sent the required/necessary files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Please update the accounts that are erroneous in my report. 
XXXXXXXX XXXX XXXXXXXX Balance : {$64000.00} XXXX XXXX XXXX Balance : {$380000.00}.

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 2023-04-15
Company: Cascade CISS Holdings, LLC
State: KS
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:
This is XXXX XXXX on XXXX XXXX I noticed on my credit report some inquiries that I did not authorized the first one I see is XXXX XXXX XXXX XXXX The second one is XXXX XXXX XXXX XXXX and XXXX The third one is XXXX XXXX XXXX XXXX XXXX XXXX The third one is XXXX XXXX XXXX the fourth inquiry was credit plus on XXXX XXXX XXXX XXXX I would just like for the inquiries to be removed thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Bread Financial Holdings, Inc.
State: VA
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 tried to get a credit card that was opened in my name using my information and I have indicated I did not open or apply for any lines of credit. However, after disputing with the credit agencies they have indicated the information is accurate. Well it's accurate if someone has stolen my identity. I'm trying to get this removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: EQUIFAX, INC.
State: MD
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:
My information was breached and leaked out to the public and someone is trying to apply for credit and placed lots of inquiries on my credit report XXXX stated to me that they have never received my information when it was received by mail and tracked that XXXX received my information and lost it I have been in a emotionally distressed state and I seek to file a lawsuit if this situation is not resolved I request all 3 credit companies update my information and make corrections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
Company: Experian Information Solutions Inc.
State: TN
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:
There are several address on my credit report that I have never lived at. I don't think it really is hurting me but I would like for them to be removed. XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX , XXXX  , TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX. My current address has always been XXXX XXXX XXXX XXXX XXXX, TN 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
Consumer complaint received 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Im a victim of Identity Theft, Checking my Credit Report after years i saw 2 Bank Of America Credit Cards Open under my name

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 2017-10-29
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: Old information reappears or never goes away

Complaint:
Attempting to dispute inaccuracies with TransUnion, but TransUnion is not allowing me access to 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
Consumer complaint received 2022-01-12
Company: CITIBANK, N.A.
State: CA
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 XX/XX/2020 I used my Citi XXXX XXXX credit card to purchase 2 airline tickets to XXXX. Days later flights were cancelled due to COVID-19. I initially disputed one of the charges with Citi to get a refund ( which I eventually did on a ticket ending in XXXX ). The other charge of XXXX I was told to go through XXXX XXXX. XXXX eventually changed their policy to issue actual refunds rather than just airline credit. On XX/XX/2020 XXXX XXXX sent me a notification that a refund was being issued for a ticket ending in XXXX and that it could take XXXX days. About 2 weeks after that, I emailed and called Citi asking if there was a reason for the delay. To this date I have not been issued that refund. I have continually placed a dispute on this charge which has been responded with too much time having passed and not having a current receipt. This additional charge has caused issues with my credit score, additional lines of credit, and the credit limit for this card being reduced as well. Also, XXXX XXXXXXXX during the pandemic has been added as I have not been able to access this money.

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 2022-10-29
Company: FREEDOM FINANCIAL NETWORK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In XXXX, I asked Freedom for financial guidance to reach agreements with creditors. I was paying for 7 months and I guarantee agreements with creditors. Make an agreement only with a creditor. After the agreement I made 5 payments and they charged the fees in advance and the account was at XXXX and they tell me that I have to continue depositing money if I want to reach agreements with another creditor. They created a new problem for me because they told me not to pay any amount to any creditor. Currently they complicated the situation for me, since after 5 months 2 creditors threw the account into a loss, and the economic situation and no emotional condition emerged more, since I am a person XXXX by emotional condition. At the beginning of the plan, the score was over XXXX. I asked for help in the wrong place, since they deceived me into indicating that they were financial advisors. I did not receive the requested service and he kept my money and I could not reach agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, 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:
I have been contacting Equifax and XXXX for years about updating my payment history on the XXXX  accounts. I have sent proof numerous times from XXXX  showing I have never been late on any of the loans. Since they can not /will not update all payment history to positive as it should be, I want them to remove all XXXX  from my credit report. I am attaching my current up to date loan verification letter showing NO zero late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Earlier this year, I had to dispute a charge with Bank of America. 
There response on a web-chat was to go in person at a specific branch. 
I arrive in person to be told I need to make an appointment and to come back 2 days later. 
I arrive early and kept waiting for over an hour. Because they kept me 45 minutes past my appointment time, the department was closed and there was nothing that could be done. 

On XX/XX/19, my card was declined and locked down for potential fraud. There was fraud going back through XXXX. 
I was locked out of my statements for my credit cards online as a result. 
I called on XX/XX/19. There were 7 calls, 10 different people I spoke to, and over 3 hours spent on these calls. Bank of America hung up on me 3 times. Bank of America provided me a fake phone number to call back. 
The result after the 7 calls was to the bank opened 2 disputes and blocked the vendor. 
On XX/XX/19, Bank of America sent a few electronic letters. The letters stated that I could fill out the information electronically. That is a lie. I can not fill out the information electronically. Furthermore, these letters are asking me to provide information regarding the fraud. I provided all of this information and more during the 3 hours back on XX/XX/19. 

Today, XX/XX/19, I was supposed to receive a call between XXXX PST. That did not happen. Bank of America is no longer responding to the web chat.

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Names : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX ) XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX ( Accounts has violated my rights. ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-09
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I began XXXX XXXX in XX/XX/XXXX, requesting other payment arrangements. My hours had begun to fluctuate and I wanted to make sure I was at least making some payments to everyone. 

At first, I tried cutting my payment in half. That was fine with them at first. But every two weeks I would have to call them 4 days before my payment to set up new arrangements. I was given a number to call and was told since my payments were now past due I would be able to qualify for special payment arrangements. 

I stopped all ACH pulls because I could not afford to have them pull money and my rent check came through my bank at the same time. The ACH pulls were discontinued in XX/XX/XXXX. 

On XX/XX/XXXX. XXXX, pulled {$540.00} from my account without my authorization. No phone calls letting me know. NO even past due phone calls. They just went into my account and took the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2021-11-14
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
Lexis Nexis is reporting unauthorized inforomation on my behalf. Under the law permissable purpose any consumer reporting agency may furnish a consumer report under the following cicumstances and no other. This company is reporting a bankruptcy. In accordance with the written instructions of the consumer to whom it relates. This is under the US code 1681b ( a ) ( 2 ) Permissible Purpose. I have not given Lexis Nexis any permission to do the following. Lexis Nexis is reporting information to XXXX and XXXX which is in direct violation to me according to the above stated law. Due the violation of this law XXXX and XXXX are also in violation of this law. Failure to have this information deleted will result in me filing a law suit.

Company response to consumer: Closed with explanation