BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: MO
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 requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/21 without a response. I really would like help in this matter. The misleading information is causing me financial stress.

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 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent a letter on XXXX XXXX, 60 days ago requesting an investigation into an inaccurate account I saw on my credit report. Then I sent a follow-up letter on XX/XX/XXXX asking that they comply and tell me the results of the investigation. I still haven't received a response on my dispute. I feel like they are ignoring my consumer dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I debt showed on my credit report from a debt collector representing my previous apartment. 

I had no clue why they were saying I owe this amount, I moved from the apartment almost a year ago and owe nothing. I never received any notice about a debt. When I call the collection agency the representative was extremely rude and unwilling to provide information. She kept saying you do owe it and you did get notifications. 

A few weeks later I received a letter from them with my least and a letter from apartment manger which was not signed stating that the charges are for damage to the carpet due to me having a pet. 

I believe the information sent to me was fabricated because the property manager was well acquainted with me and my nephew who lived in the apartment. She knew we didn't have a pet. I lived at the apartment for 3 years and I never had any pets. First of all I am XXXX to dogs and cats. The apartment was clean and no damage to the carpet other than regular wear and tear. On my lease I made a deposit of {$350.00} I tried to contact the apartment and was told that the management company no longer manage the property and they didn't have any previous information on my lease. 

Please investigate this collection agency and report them to all Federal Agencies. I believe they are committing fraud and intentionally trying to destroy people credit and scam them out of money. I am not sure if the apartment management company is giving them false information or if they are just creating fake debt for old tenants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A USA VETERAN WHOM IS XXXX  % XXXX THAT HAS JUST DISCOVERED THAT I AM A VICTIM OF IDENTITY THEFT. AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICE THAT A MEDICAL BILL IS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. FIRST OFF ALL OF MY MEDICAL EXPENSES ARE PAID IN FULL BY THE United States OF AMERICA. I HAVE NEVER DEALT WITH ABILITY RECOVERY OR ANY COMPANY THAT THEY REPRESENT. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to any provider for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Not only is this debt does not belong to me due to fraud but your company could have also been in violation of HIPPA if it was mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: EQUIFAX, INC.
State: IL
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 sent Equifax and XXXX proof, of a paid Medical bill. That was paid by XXXX XXXX XXXX XXXX. Equifax and XXXX  response was after there investigation that the account is being reported accurately from XXXX XXXX XXXX which is a collection company..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied online for a Chase Marriott XXXX XXXX credit card. Online, Chase advertised a 0 % introductory rate promotional offer, Marriott XXXX points after a {$1000.00} purchase, and a {$250.00} electronic Marriott gift card, which would be immediately sent via email upon credit card approval. Iwas approved and received the card, but not the {$250.00} gift card nor the 0 % introductory rate. After many, many phone calls and time over the phone over a period of several weeks, I spoke with XXXX at XXXX, who told me I am not entitled to the {$250.00} gift card or the 0 % introductoryrate. I was defrauded, as both of these bonuses were advertised and promised to me online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: EQUIFAX, INC.
State: NV
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 am a victim of fraud and have been a victim for many years, I have attempted to updated all in accurate information that is reporting on my credit profile due to fraudulent information reporting. I have disputed in the pass but per FCRA accurate information needs to be reported information that is inaccurate needs to be removed especially fraudulent information. I fell victim and it is taking me many years of being able to clear up this mess I fell victim to. Please remove the following fraudulent inquires that are reporting on my credit profile. 

XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: MO
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: JPMORGAN CHASE & CO.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started an application through chase for a refinance, they collected {$500.00} up front fee. to start the process. they never told me it was not refundable but would be applied to closing costs or appraisal they got my fee to start refinance the process started and I got very little response and they would not return my e-mail or correspond back to me for weeks. The process was months, they told me that they were sorry and that they were so busy. They would not refund my money back to me and told me it was for closing costs and appraisal fee even though there was no appraisal or did not close. I felt bullied throughout the process and felt like I was taken advantage off. That kind of money puts me in a hardship and they would not give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: MS
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:
Experian has removed a account ( XXXX XXXX XXXX ) I dispute as fraud and they have added it back. I'm continuing sending in documents for them to remove it because it's a against the law in the Fair Credit Reporting Act that a company has 30 days to respond if they don't then the Experian must remove the item from my credit report. After speaking with Experian they told me that the company come back 60 days later and verified the account. The Fair Credit Reporting Act says they have 30 days not anything after. They didn't respond in a tmely manner that's why they Experian removed it. Experian is getting paid for breaking the laws and need to be investigated. I have attached the file which shows them removing the accounts from my credit. Please remove these fraudulent account ASAP.

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 2021-11-27
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection letter from this company named " Commonwealth Financial '' I disputed this debt under section the " Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } ''. The company then responded providing my medical records ( showing the service that I received from the original medical facility named ( XXXX XXXX XXXX ). I've included their initial letter sent to me, my response, and their response. This company is in violation of my Hippa rights and I intend to sue for under a " Hippa Violation ''. 

The original hospital will also receive a lawsuit from me because they've disclosed my personal medial record illegally. NO HIPPA SIGNATURE WAS PROVIDED BY THE collection agency. 

This is also a alleged debt which happens to update the statement date illegally as well! The patient statement date showing ( XXXX ) is inaccurate. This company is illegally updating the statement date so they can illegally collect on a debt which is outside the statue of limitation 's, a Hippa violation, and inaccurately and illegally reporting FALSE statement dates. I live in XXXX, TX and my Employer can also verify I've NEVER received service on XXXX. 

Reporting inaccurate service date makes this collection company in violation under " FCRA section 605 ( c ) ... ..Meaning they've re-aged a debt so the debt is inside of the statue of limitations, which is a down right LIE. 

I WILL MOST DEFINITELY FILE MULTILPE LAWSUITS AGAINST THIS COMPANY SHOULD THEY NOT STOP ALL COLLECTION ACTIVITIES. AND REMOVE THIS TRADELINE FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: ADIR INTERNATIONAL LLC
State: AZ
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:
Called Curacao Thursday XX/XX/2020 to complain about inaccurate collections reporting on my credit bureau. Said they couldn't do anything. Then turned around on XX/XX/2020 and updated my XXXX  report to 119 days, or 4-5 months late. This account was never late on minimum amounts due, and is reporting also 30 days late and 60 days late. Also reporting installment account, incorrect amounts and incorrect terms, when this is a revolving account that has been closed for a while, plus I requested to close the account, not the grantor.! Curacao reports what ever they want when ever they want, which violated the consumers rights! They do not cooperate with account verificiations at all, when they have 30 days to respond. Certified letters are ignored as well. 

See attachements

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I WILL SEND YOU SOME UPLOAD PROOF THAT THESE ACCOUNT ARE NOT MINES AND NEED TO BE REMOVED TODAY .... 

XXXX XXXXXXXX XXXX XXXX THIS ACCOUNT ARE DELETED FROM XXXX   AND XXXX  AND THEY DONT BELONG ON HERE EITHER.!!!!!!!!!!!!!!! 

THE XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT LISTED KNOW WHERE ELSE ON MY CREDT REPORT AND IT NEED TO BE REMOVED NOW!!!! ITS NOT LISTED ON XXXX  OR XXXX AT ALL. 

FIX MY CREDIT SCORE BACK TO A XXXX AND ANOTHER THING I BEEN ASK EXPERIAN TO VERIFIED THESE ACCOUNT AND THE XXXX   SYSTEM THEY USED IS OUT DATE THEY KEEP SENDING THAT SAME ONE PAGE LETTER WE VERIFIED I ASK EXPERIAN GIVE ME THE NAME AND NUMBER OF THE PEOPLE THEY TALK WITH THESE COMPANY .. THEY REPLY AND SAID NO I TOLD THEM BY FARE CREDIT REPORTING ACT THEY ARE REQUIRED TO MAKE SURE ALL INFORMATION IS 100 % RIGHT NO ERRORS THESE ACCOUNT ARE DEAD WRONG PERIOD FIX MY SCORE BACK TO XXXX AND DELETE THESE ACCOUNT NOW

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 2021-07-13
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for Santander Consumer USA and XXXX XXXX Bank has expired as when the last payment was made on each accounts. 

In addition, the original Santander Consumer USA original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. 

XXXX XXXX Bank offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Conn's, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
company keeps increasing the balance on the account causing my credit score to decrease, stating that interest is applied monthly, daily, and once over the course of the loan. 
ive attempted to call and ask why this happens but no-one can provide an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: American Financial Network Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After purchasing a home with a VA loan my wife and I have received a number of refinance letters from American Financial Network Inc. We have never had any business dealing with American Financial Network Inc. and do not desire to. My wife and I both completed the opt out process at XXXX, as provided by the Fair Credit Reporting Act, on XXXX XX/XX/2021. American Financial Network Inc. has ignored our opt out and continued sending refinance letters. After giving adequate time for any letters already in the mail to be delivered we directly contacted them on XXXX XX/XX/2021 at XXXX XXXX. They agreed to stop sending letters. However my wife and I have continued to receive letters from XXXX, with the latest received today ( XXXX XX/XX/2021 ). Furthermore American Financial Network Inc. sends its letters in the format used almost exclusively by DFAS ( the military pay office ). They are deliberately copying this format to attempt to deceive veterans that their correspondence is linked to DFAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Fig Tech Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been in contact with fig loans on numerous occasions. Back in XXXX I got a notification that my account was past due and that they would like to work with me to get the debt settled. I contacted them only to be told there is nothing they can do to help me. I logged in around XX/XX/2021 to their website and it showed no payment due until XX/XX/2021. On the morning of XX/XX/XXXX I got a notification that fig loans reported a late payment to my credit report dropping it XXXX points. I contacted them to be told no payment is due till XX/XX/2021. Then on XX/XX/2021 the same thing happened again. Another late payment was reported to my credit report. I reached out to fig again to be told that Im not due until XX/XX/2021. Then I demanded that fig XXXX remove the late payment off my credit report and they refuse then after I told them I will be contacting CFPB, XXXX and my attorney if this wasnt fixed. Then they emailed me back saying my payments are late and that once its paid off they will remove it from my credit report. All the information is the complete opposite of what I was told previously and today. Fig loans still refuses to remove the late payments off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America is illegally refusing to release any funds from my deceased mother 's checking account, even after presented with all the necessary paperwork including an L8 form. They claim it's because she received a {$2500.00} direct deposit from Social Security that may have to be repaid and can not release a partial distribution from her account. Our attorney advises that is illegal. Please investigate Bank of America 's fraudulent business practices and require them to release the illegally held funds to us.

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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XX/XX/XXXX collection was added to my account by XXXX for XXXX. I have had the same thing happen before for same amount and it was reversed, as XXXX when I contacted them said they dont know that company and I showed a screenshot of that one email to TU and they fixed my credit score XX/XX/XXXX I noticed it on my XXXX XXXX I made a fraud report and reported to TU and it was denied ( said the information was accurate on my report ) XX/XX/XXXX I never saw the email or anything and needed to wait to re-report it and I did and again it was denied when I showed them the email again and how last time it was reversed but still they said it was accurate.

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