BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-07
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Harris and Harris called me two times, claiming I owe the Arizona Department of Revenue money, but they wo n't tell me why I owe them money or show me the paper trail of the debt. They refuse to send me all the documentation that supports this claim. They also claim that the Fair Debt Collection Practice Act does n't apply to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: AMERICAN EXPRESS COMPANY
State: NY
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 am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: RentDebt Automated Collections, 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:
I have a collection account on my credit that has been re-aged. It is with Rent Debt. I sent for validation and they refuse to validate this account, This is an erroneous account and this agency is violating the law. This is an old account past the Statue of Limitation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Village Capital & Investment LLC
State: AZ
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:
My ex-husband and I had a VA home loan with Village Capital Investments. We were in forbearance because of being laid off due to Covid-19. My ex-husband returned to work on Monday, XX/XX/XXXX and I have relocated as a XXXX, in Arizona to help with the Covid-19 pandemic. My credit has been affected as well as being considered delinquent, late fees and additional interest accrued on the mortgage despite being in forbearance. We should have been advised about how to repay the forbearance monies and were not. We were also denied an extended forbearance, stating they lost our paperwork that was submitted. Assistance to pay back forbearance was also denied. I have worked my XXXX off to stay afloat on the frontline of this covid-19 pandemic and this is the treatment I received, just incredible!! 
I can see the interest still accruing, but the late fees and points lost on my credit score is preventing me from moving on in Arizona. The house finally sold and the loan paid in full but also due to coved-19 my credit is being denied for a house here in Arizona. I am pleading for some assistance, and advise as to what to do next. I want these delinquencies removed from my credit report. 

Thank you for your time, Respectfully begging, XXXX XXXX XXXX

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: EQUIFAX, 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:
XXXX XXXX fraudulently placed unauthorized inquiries on my credit report, I was a victim of fraud and they told me they're not going to remove the fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  balance increased by {$48.00} NOT ACCURATE XXXX XXXX Due to the amounts of fraud going on this is unacceptable, this does not belong to me and I want it removed. 



EQUIFAX fraudulently placed unauthorized inquiries on my credit report, I was a victim of fraud and they told me they're not going to remove the fraud. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX CRED XXXX XXXX XXXX XXXX XXXX XXXX  balance increased by {$48.00} NOT ACCURATE XXXX XXXX Due to the amounts of fraud going on this is unacceptable, this does not belong to me and I want it removed. 



XXXX XXXX REPORT INCORRECT BALANCE ON ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, XXXX XXXX Equifax MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer report and noticed late payments reporting for XXXX XXXX XXXX XXXX XXXX XXXX. These are in violation of of the law and are inaccurate and I demand these accounts be deleted and permanently removed from my consumer report immediately. According to 15 USC 1681 ( 2 ) A ( I ) which states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also my right to privacy under 15 USC 6802 which states ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. and finally under 15 USC 1666b stating A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-04-24
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019 XXXX XXXX phone number XXXX  XXXX XXXX contacted my ex husband who has nothing to do with my accounts and never has and I did not give permission for XXXX XXXX to call him and they spoke with him about my account without authorization. I want this bank shut down. I want this bank held accountable I want restitution in the amount of XXXX   paid to me because of the issue. I am sick and tired of their XXXX XXXX. they are harassing my neighbors pretending to be sick relatives asking to call for emergencythreatening to call the FBI and the law on me having me arrested. I want this bank fined, shut down and ordered to pay restitution to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have multiple credit inquiries on my account that I did not authorize. I called to get them removed and was not helped by your customer service. 
The following Inquiries were not authorized by me. 
1. XXXX XXXX XX/XX/2017 2. XXXX of XXXX XX/XX/2017 3. XXXX XXXX XX/XX/2017 4. XXXX XXXX XX/XX/2017 5. XXXX XXXXl XX/XX/2017 6. XXXX XX/XX/2017

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 2023-02-09
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Over the last several years I had informed Pentagon Federal Credit Union at least XXXX times to opt out my account from sharing my information with PenFed 's affiliates and third parties and from marketing. However, recently I started to receive additional marketing solicitations from PenFed ( I am attaching XXXX such solicitation ). It appears that PenFed does not honor customers ' requests for privacy.

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 2021-04-15
Company: EQUIFAX, INC.
State: IL
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 several times to remove information and they refuse to furnish signature for the erroneous information. Under FCRA I demand proof of these inquires. Signatures!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: IL
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:
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. 

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, 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-07-05
Company: Choice Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original doctors appointment was overcharged to the insurance company. The amount paid to the doctor was too much for the type of appointment. I advised them that they charged too much for the appointment and I wouldn't pay the amount they were asking. Now they've sold it to a collection agency which I definitely don't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: ID Analytics, Inc.
State: CA
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:
On XX/XX/19 I got rejected for a loan with XXXX by XXXX XXXX XXXX XXXX. One of the stated reasons is that there is a series delinquency on my report, however I have checked my credit report and there is no delinquent information. I'd like all parties involved to manually review my credit report and figure out the source of the 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 2021-03-29
Company: Experian Information Solutions 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 recently mailed a letter to Credit Bureaus for disputing items appearing on my credit report, which they maintain. The response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. 
1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX  XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor 10 XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I closed my XXXX account. At the time, XXXX said there was a router/modem that needed to be returned. I explained that the item had been taken by a technician due to it not working. XXXX  verified this by checking when it was last turned on/used. They said the issue was resolved and there was no more owed. Now, in XX/XX/XXXX, I received a letter from CBE Group saying I owe XXXX  ( Charter ) {$59.00}. When I contacted XXXX, they said it was for a missing router/modem. I explained to them again, but have not had luck in getting this debt discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I filed a complaint # XXXX about Barclays Bank. The original issue being I was having medical hardship starting XXXX still going through the medical issues I am gaining on health. I have been a loyal customer for over XXXX years and all I received from XXXX was a insulting phone call from XXXX XXXX XXXX XXXX @ XXXX X XXXX. What good is filing a complaint when the company does not explain in detail what could of been offered a year ago when I began my medical hardship. I had a XXXX prescribe over XXXX worth of out of pocket scripts in. XXXX, {$XXXX} worth or out of pocket costs in XXXX. I have no understanding how a bank can not help a consumer pay a debt I was {$XXXX} off being able to make the amount due and they did not work with me. I was locked out of my account and requested all my documetation, refused and ignored by XXXX. I called her back numerous times to understand ... and then I receive an answer that says contact the collections agency ... She is the worst example of a customer support indivual for a XXXX liaison to the consumer. I want to reopen this and get this rectifed. I want all my memos from them, It is totally unacceptable to treat a loyal paying client while struggling to live.

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 2022-02-01
Company: GOLDMAN SACHS BANK USA
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:
In XX/XX/2021 I made a mistake by sending a balance transfer payment to Apple card from XXXX. I called Apple regarding the situation and they told me that they could do a payment dispute which would send the money back to XXXX which is what I wanted. The transaction was reversed on XX/XX/2021 but the funds were never credited back to XXXX. After 2 payments disputes to figure out where the money went and me calling several times, I finally got a resolution but the one I wanted. Apple card supposedly sent the funds to an account that did not belong to me which I don't know how that was possible. After two months and several calls with managers and complaints, Apple card sent me a cashier 's check for {$2000.00} on XX/XX/2021. Because they sent me a check instead of crediting XXXX, XXXX was not able to reverse my {$78.00} transfer fee. I have called many times of this issue and no one at Apple card takes responsibility and I can not hold anyone accountable. It should have never taken 2 months or a payment dispute to have my money refunded. I have asked for someone with authority to call me regarding the issue and not once have I received a call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25
Company: Fairway Independent Mortgage Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Today, XX/XX/2021 i sent the following email to Mr. XXXX XXXX, CEO for Fairway Mortgage Co. He dismissed my concern as if this is normal behavior from one of his employees. 

XXXX, Please review your mortgage loan officer, XXXX XXXX XXXX XXXX NMLS # XXXX ) comments to the client where he accuses me of offering something that is not reasonable and questions my integrity a few of his comments :. The Mortgage insurance is just like the rate, no way. 
With me, the numbers will be accurate, we will close you on time, you will have a much better experience I can not lose you to the bank on bad information Ive spent 27 years in this industry with an impeccable reputation. XXXX XXXX, XXXX XXXX, you and I spent time together so I believe you know my work ethic. 
I dont appreciate anyone attempting to undermine my integrity. For what its worth the taxes were unimproved last year explaining the increase, client is locked at 2.5 %. 
Im sorry XXXX feels frustrated he lost the client but frankly taking the high road is advised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: American First Finance, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Called for payoff amount. Paid the amount they told me. Now there adding more interest. Its paid off and they refuse to send me a statement saying that and they refused to let me talk to a supervisor. This is a fraudulent company!!!!!!!!!!!! Straight up.

Company response to consumer: Closed with monetary relief