BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-08
Company: Community Cash Management Corp.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX has repeatedly called my phone, looking for one of their debtors. I have repeatedly asked them to stop, to put me on their " do not call '' list, and to cease discussing someone's else 's medical debt. Instead, they continue to ask invasive questions ( asking if I know their debtor, what my name is, if I use the same offices, what my birthdate and social security number is, etc ) until I hang up. I blocked their number with my cell service and independently on my phone, and yet they still call endlessly and leave voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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:
On XX/XX/2020 I 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation 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 2020-09-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I took out the paid all but XXXX got Ill and couldnt pay it off. My bank closed out my back up debit pay system. Now threatening to have me arrested and sold debt 2 times. Now attempting to throw me in jail. Offered to pay them they refused to send me anything writing. Only would accept debt card or credit card payments refused to identify who they were there mailing address. I never received any letters about the remaining debt and now they want a full XXXX called from unknown number stating if I didnt comply I would be arrested. Called from XXXX gave a case number XXXX hung up on me multiple times and called my ex wife and threaten her she has XXXX XXXX and XXXX called me in tears. Spoke to 4 different people 4 different times. I never received any letters regular post or certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ally Financial Inc failed to disclose my right to rescission. 

I have brought it to their attention and still have not received any documents.

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 2020-09-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation 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 2021-10-27
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2021 I viewed my consumer credit report and noticed some errors. On XXXX XXXX I didn't open an account with XXXX XXXX using my consumer credit card number. It was open and sent to an address I never lived at. I've also filed an FTC identity theft report against XXXX XXXX and XXXX. I am aware pursuant to 15 USC 1681c-2 ( a ), if the consumer provides a consumer reporting agency, such as, XXXX, XXXX, and EXPERIAN, with appropriate proof of the identity, a copy of an identity theft report, and a statement by the consumer stating the information in connection with XXXX XXXX, XXXX  XXXX, XXXX, XXXX AND XXXX is not relating to any transaction by myself, is required to XXXX, XXXX, AND EXPERIAN place a block on my consumer report on the information associated with opened fraud account XXXX  XXXX and XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim.

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 2021-06-09
Company: Experian Information Solutions 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:
Hard inquiries from XXXX XX/XX/2019 its XXXX hard inquiries in total with equifax XXXX have tried to get it removed I reached out and no one willing to help me solve my 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 2023-08-23
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:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: CT
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:
I demand the removal of any and all " late payment '' entries or 30-day delinquencies on my XXXX XXXX account from my consumer report. 

Per " 15 U.S. Code 1666b - Timing of payments '' : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I direct the removal of this late payment, as I am the one extending credit. Additionally, the required information was NOT received to the consumer " not later than 21 days before the payment due date. '' I demand its removal 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 2022-11-28
Company: EQUIFAX, INC.
State: NV
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 requested several times how both Equifax and XXXX claim to have verified the accounts listed below which are not my accounts not did I open them. All I ever get is the same templated latter stating verified but I asked to whom they spoke with and when etc., but I never get that requested information. I also asked for a notarized letter from them stating they information they provide is true but have yet to receive that either. 

In accordance with the Fair Credit Act XXXX the information provided has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Accounts in question : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: EQUIFAX, INC.
State: NY
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:
I closed a credit card account in XX/XX/XXXX. Equifax is still listing it on my credit report, even though it is 13 years past the 10-year reporting period. Equifax claims it is the last date of their update/report ( which was XX/XX/XXXX based on my dispute ). It appears from Equifax 's point of view that every time I do a dispute, it will restart the 10-year statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: KY
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Thank you. 
XXXX XXXX XXXXXXXX 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 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 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 2022-07-23
Company: EQUIFAX, INC.
State: GA
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 XXXX Account XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC
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:
Your company have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: DISCOVER BANK
State: MD
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:
XXXX shipped part of my order and the Discover credit card denied my dispute on the invalid evidence provided by XXXX. On XX/XX/XXXX, I purchased XXXX XXXX laptops with order # XXXX on XXXX and XXXX {$490.00}. XXXX shipped it through XXXX tracking # XXXX. On XX/XX/XXXX, I received this package and found only XXXX laptop. I contacted XXXX immediately, but XXXX refused to issue a refund of {$240.00} and told me to dispute it with my financial institution. So on XX/XX/XXXX, I started a dispute about this order charge transaction with my Discover credit card. I provided XXXX pieces of evidence, the first was the XXXX website description of the XXXX laptop I bought, which showed the net weight of XXXX XXXX laptop was XXXX, I bought XXXX of these laptops, so the weight of my package should be over XXXX, and the second piece of evidence was XXXX  proof of delivery, it showed the package I received was only XXXX. However, Discover denied my dispute because XXXX replied that they had issued a refund on XX/XX/XXXX. I continued my dispute and provided the refund email from XXXX as evidence because the refund I received on XX/XX/XXXX was for my XXXX order placed on XX/XX/XXXX, not the order placed on XX/XX/XXXX. However, Discover insisted this transaction was valid and told me this was the final review, and I was unable to appeal anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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:
unable to get the information I need to get the identity theft stopped. I have tried to resolve this online. Equifax refused me my credit report and I have never put a freeze or lock on this company. I has several address, social security number and names on my report that do not belong. I am also not able to make so many calls to these companies. I am XXXX and believe that someone has opened false bank accounts in my name as well. I have contacted the FTC and Social Security about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
please review the current fraud account and also the fraudulent inquires also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: JPMORGAN CHASE & CO.
State: TX
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:
I am send his letter to explain my situation I went. To XXXX XXXX  XX/XX/XXXX I was staying to XX/XX/XXXX first off all they charged me before I got there XXXX XX/XX/XXXX th XXXX went I got there I didnt no they recharged me whole amount n XXXX deposit that I never even got back when I got there hotel was filthy I called N explained it she was very rude old cigarette buds every where She told me they have workers around around there so I was disgusted then my little boy found a dirty used needle I panicked I didnt no if he poked his self or not his has XXXX XXXX XXXX  my husband terrible upset so I changed my flight n left XX/XX/XXXX like I told manger on duty she told shes very sorry they would take care of all charged she seemed compassionate of the situation so I took her word for it but at all honestly she didnt do anything but charged me more then what I was suppose to pay when I got home so I left with out goin up there Cause she was so nice on phone and I was so upset I just left after I talked to them when I got home I kept callin n callin XXXX her name was she kept saying I told him to call he never would call me back cause carona And also emailed him repeatedly I could of sued that hotel for health violations let alone not refund me as I was told they was going. To when I got home they refused to call me over n over reappeated calls I didnt even stay not half the time let alone the whole time I re bought new flight as Im sending both proofs under no circumstances should I have to pay for there filthy error This was totally unprofessional my account # is XXXX they charged me XXXX, Chase denied my claim I proved I left early n every thing they wouldnt even care to let me explain how I didnt stay there Cause it was filthy I left was still charged whole time asked to speak to manager they kept telling me he will call me he never did ever months went on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX I was laid off after 20 years at my job, I became XXXX XXXX and struggle for about 2 years after. I believe at the end of XXXX I became past due on my mortgage about 3 payments. I recently took a good look at my mortgage statements and realized that most of my payment is going to interest so I looked at my loan note and realized my name is not even on my note, I borrowed $ XXXX on XX/XX/XXXX with a 30 year fix mortgage with a maturity date of XXXX/XXXX/XXXX that means I have been paying on it for 11 years and my principal balance has only gone down $ XXXX, so I decided to call my mortgage lender and they informed me in XX/XX/XXXX I received a modification ( I honestly don't recall signing any documents ) and they said my term was extended 14 extra years ( for 3 past due payments ) meaning my maturity date it is now XXXX/XXXX/XXXX but yet my payment are still the same as my original note. I have been requesting copies of my signed modification documents to no avail, my current lender is New Rez when I called them for copies they referred me to XXXX XXXX XXXX XXXX from Shell Point Mortgage Services I talked to her and she said she does not have them to contact my lender via email I sent an email to XXXX I have not heard from anyone. I desperate need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello! My names XXXX XXXX. I am XXXX XXXX XXXX and reside in FL. 
I believe my identity has been stolen. I have multiple charges from AVANTE, a retirement home here in town which i have never been to ; im only XXXX! I have XXXX marks from AVANTE, and I am not associated with them. 
My credit is horrible and I'm young and trying to live my life. This makes me sick to my stomach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a Complaint about Comenity Bank. 
I have a Master Card with Comenity Bank. I pay the balance owed thru my banks online payment system. XXXX Bank. Comenity does not take electronic payments. Comenity requires that the bank send them a physical check. I have paid Comenity bank online 4 times this year via online payment thru XXXX bank and have received a late fee of {$XXXX} every time. I authorized payment thru my online banking typically 5 to 10 days before the due date of the credit card My complaint is that Comenity is purposely not crediting my account until after the due date so they can charge a late fee and interest. They are purposely not processing receipt of payment so they can charge a late fee and interest. 
I had the same issue when using XXXX online bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Access Capital Services, 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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
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 SENT TO XXXX XXXX TO REQUEST VALIDATION OF THE ACCOUNT AND THEY SEND ME BACK JUST A COPY OF THE TRANSACTION AND THE AMOUNT WITH NO SIGNATURE AS I REQUESTED IN MY VAILDATION LETTER TO SHOW THAT I OWE THIS DEBT WITH MY SIGNATURE AND THAT WAS NOT THE RESPONSE I RECEIVED. IT IS BEING REPORTED ON ALL 3 CREDIT BUREAUS AND THAT IS AGAINST THE FCRA LAW TO REPORT SUCH IF CONSUMER BARES NO SIGNATURE OF BEING RESPONSIBLE FOR SUCH TRANSACTION. I REQUESTED A VAILDATION 3 TIMES AND THEY FAILED TO SEND ME ANYTHING WITH MY SIGNATURE STATING THAT I AM RESPONSIBLE FOR THE ALLEGED TRANSACTION.

Company response to consumer: Closed with explanation