BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-10
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX Re : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX XXXX   XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XX/XX/1959) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is nontransferable. 
If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Also, I have received a statement claiming that I owe a debt to XXXX-XXXX  XXXX XXXX   and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX-XXXX   XXXX  XXXX  that gave you the right to collect this debt Account No. :XXXX  Respectfully Submitted What would

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I refinanced my mortgage via an MHA modification in XXXX, making all my trial plan payments on time. The original lender was XXXX XXXX XXXX. I never missed a payment. In XX/XX/XXXX, I was laid off and my wife and I fell behind on our payments in XXXX of XXXX. Select Portfolio Servicing requested paperwork to attempt a modification which we provided and the servicer almost immediately declined the modification in XX/XX/XXXX, claiming that it could no longer be modified. Because it was modified previously in XXXX, a loan that SPS did not originate. I was able to get back to work and resume making payments in XXXX of XXXX, but I could only make one payment a month. In XX/XX/XXXX, my wife left me and filed for divorce, taking my son with her. Now I am faced with foreclosure. My wife and I made over 84 straight payments, I lost my job for 6 months, we missed 4 payments and now I can lose my house. SPS strategically and unethically denied my modification request and did not offer forebearance or any other method where I could have kept my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
FirstPoint Collection Resources , Inc just sent me a collection letter with the reference number of XXXX and they claim that I owe this debt as of XX/XX/XXXX for {$40.00} to XXXX XXXX XXXX XXXX  XXXX XXXX so I dont know what theyre talking about because I never had a citation about any of my animals and this needs dropped. The citation number for XXXX, XXXX XXXX XXXX XXXXl is XXXX XXXX XXXX. I was deemed XXXX in XX/XX/XXXX so I dont know how I couldve had a citation and I dont remember anything. I truly tell you this. I am starting a new job on Monday because I havent worked in XXXX years and its for minimum wage at home. I have NEVER heard about this until now & Im not paying for something I DO NOT OWE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: NC
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank repeatedly calls me up to 10-15 times a day for payment on my credit card. Sometimes they call from a blocked number, every other minute. They have somehow gotten my mother 's phone number and have left her voicemails saying that they have attempted to call my place of employment- which is in fact illegal. She has kept these voicemails and they include the names of the representative. 

I also have a voicemail from representatives XXXX and XXXX on XX/XX/2023, stating that he recommends that it would be in my best interest to contact him with the name of my attorney, and if not, then to call him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: American Coradius International LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from American Coradius, LLC regarding an attempt to collect a debt from XXXX. I called the agency but they could not give me any information. I called XXXX and was told I have no outstanding balance with them and never have. I called the agency back but they kept prodding me for more of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I discovered {$4800.00} had been transferred out of my savings account on XX/XX/XXXX. I called my bank immediately. The bank rep froze my accounts. After reviewing my accounts, the rep and I discovered 3 more transactions from my account for much smaller amounts which occurred on XX/XX/XXXX ( {$2.00} ), XX/XX/XXXX ( {$98.00} ), and XX/XX/XXXX ( {$25.00} ). The Chase rep said I would be receiving the money from 60 days prior to the day of discovery which was XX/XX/XXXX. I reviewed the policy on Chase.com which confirmed what the bank rep had said. I closed the accounts and opened new account later that day. In late XXXX, Chase bank changed their story and said I would only be receiving compensation for the 1st two transactions. Their reasoning was their policy is actually they refund 60 days from the 1st incident. This is not in the policy posted on Chase.com. I have filed a complaint with Chase ; however, it has been over 10 days and I have not received a call from this department. To this day, Chase has not provided me an explanation of how my savings account info was stolen, why they are not honoring their policy listed on Chase.com, and why they did not investigate my claim. I know they did not investigate because the transfers when through XXXX. I contacted XXXX who confirmed Chase did not reach out to them about my incident. This is important because of the 4 fraudulent transactions on my account, only 3 of them are similar according to the bank statement description. The 4th and largest transaction is different in nature. XXXX was unable to determine if all transactions were related. It is entirely possible there were multiple parties who acquired my bank information. If XXXX is unable to determine if these transactions are related and Chase did not reach out to XXXX, it is impossible for Chase to have completed their investigation and concluded all transactions are from the same source. It appears Chase did not perform any investigation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2017-12-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX Citibank contacted me. Customer reference number # XXXX. They stated that I was enrolled in an optional credit protection and I was charged a monthly fee. This was never listed on my monthly statements. I submitted my claim and I was enrolled without my knowledge. On XX/XX/XXXX, I received a credit of {$1400.00}. They have not provided me with a statement of how they arrived to this amount. I can not obtain any additional information. I 'm concerned that XXXX XXXX and XXXX has the same business practice.

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 2019-10-30
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Tower loan of XXXX Alabama has made 6 hard pulls to my credit report without my consent. It is continually knocking my credit score down and will take me years to billed it up. To me that is a form of identity theft, and something should be done to the company for falsifying documents. Please help me with 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 2023-02-23
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2021-03-31
Company: Byrider Franchising, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
There is a manager at this company that ran my credit without my authorization. There was no reason for the company to inquire about my current credit profile due to the fact that I already have an account with the business that is active, current, and in good standing. I did not give this company permission pursue a credit check at all. The company is XXXX XXXX located in XXXX XXXX, IL. The finance company thats works with the facility is CNAC Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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:
I filed an dispute in regards to incorrect accounts showing on my credit report. It has been well over 30 days and I have yet to receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Convergent Resources, 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: Account status incorrect

Complaint:
All accounts have been paid in full and are not reporting as paid. Need to show delinquent or remove from my credit file

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 2021-03-31
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I leased a XXXX XXXX and bought the vehicle at lease-end. The title was held by XXXX XXXX XXXX Trust. I paid for the vehicle in full, plus tax, on XX/XX/2020. The amount I paid in sales tax, {$1300.00}, was clearly added to the payout and documented on the XXXX. First, it took nearly four months and multiple phone calls to get the title sent to me. Included in that mailing was a cover letter, the title, and the bill of sale, which is what I took to the Secretary of State office to get the title transferred. They informed me that this documentation only shows that I paid the tax, it does not verify that the tax was paid by XXXX to the state. The Secretary of State office said I need a " receipted copy '' of the ST-556 with a confirmation number, which verifies tax was paid to the state. After multiple additional phone calls to XXXX, I received a copy of the ST-556 that did not have a confirmation number. I called again and after a long call the customer service rep told me that the Tax Return Number on the XXXX is the confirmation. Another trip to the XXXX of XXXX office ( and more time off work XXXX and they explained this is not the confirmation number and gave me a printed example of exactly what I need. I have since talked with two additional people at XXXX customer service and still dont have the correct documentation to get the title transferred. They are now telling me it can be two weeks, even when escalated. No one has even been able to confirm for me that the tax was actually paid. My current lienholder is demanding proof that the title is in their name yet XXXX is keeping me from transferring the title. It has been almost six months since I paid for this vehicle in good faith. They either didnt pay the tax or are refusing to send me the correct documentation. I have called nine times with no resolution and consider this fraud at this point.

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 2020-01-24
Company: Diversified Recovery Bureau LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by phone by Diversified Recovery Bureau attempting to collect a debt they claimed I had from XXXX XXXX and XXXX XXXX. They had the address of a previous residence as well as the last 4 digits of my SSN. 
I have never taken a loan from XXXX XXXX or any other payday lending institution. I contacted a branch of XXXX XXXX and XXXX XXXX and confirmed they do not have any record of doing business with me. Diversified address and contact info is : Diversified Recovery Bureau XXXX XXXX XXXX XXXX XXXX NY XXXX United States Of America NMLS ID # : XXXX Phone XXXX XXXX XXXX XXXX diversifiedrecoverybureaullc.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
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:
I had a credit balance from XXXX XXXX because they canceled flight without notice. I had a credit balance {$790.00} for around 5 months. In XXXX Bank of America did a False Charge for my Credit and wiped out the Credit to {$0.00} Balance. This amounts to STEALING my 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 2019-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
All accounts have been paid in full and are not reporting as paid. Need to show delinquent or remove from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: NAVY FEDERAL CREDIT UNION
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
From the beginning of this loan process, no one would reply to us about the documents needed until our realtor called and spoke to a supervisor. Then they sent documents we needed. Less than a week before closing they called again saying our file is cleared and we just need about 3 more documents and if we had them all in by Monday we could close on time on Thursday. We had all our documents in on Sunday and Monday at XXXX we were contacted saying they are still working on clearing our file. Now they are saying our move in date wont be until Friday which they still havent contacted us or sent a CD in order to even close on time Friday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MO
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:
It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation