BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-30
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft and had duly notified the relevant authorities. As a results, I sent this company my dispute on XX/XX/XXXX attached with all the relevant documents to verify my claims and expected them to block/ delete inaccurate Inquiries information from my credit report within 3 days as required by law but they have not. The fraudulent inquiries which I did not authorize are still showing on my credit report and have resulted to me being denied credit.

Please delete this fraudulent inquiries from my credit report : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I returned a leased vehicle back in XXXX ( it was actually the same day XXXX XXXX died thats why its so vivid for me ) Recently I attempted to lease a new vehicle only to find my perfect XXXX credit score had dropped into the 600s due to some phantom {$11.00} balance on the closed account that has killed my credit score. GM financial was of little help since they never notified me, emailed, sent a statement or anything of the sort. I would have never found out otherwise. When I called them eventually they said they would submit a letter on my behalf and reverse it. I see nothing done!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not own the account and there have been no documents provided from the original account XXXX XXXX XXXX and trust that proves the account belongs to me. I will be filing a police report and making another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Aargon Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company XXXX XXXX placed a unpaid bill on my credit report that someone else opened in another state with there own name but my information. They in turn sent it to collections despite a police report for identity fraud being sent to them. the company Aargon Agency inc picked up the account which is in violation of Fair and Accurate Credit Transaction Act.

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 2018-03-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In reference of XXXX  On XX/XX/XXXX, my mortgage was was paid in full, as of XX/XX/XXXX, I have not received the leftover money, I have proof ( USPS Informed delivery screenshots ) THAT I HAVE NOT RECIEVED the money that Penny Mac representative told they mailed.

He or she also stated that " My research found that PennyMac complied with all State and Federal laws and regulations in the servicing of your loan. Therefore, we must respectfully decline your request for compensation '', well she forgot to mention the property lien that regulated in the State or Federal law.

So I want to remind them one more time about keeping a lien on my property pass the State prescribed time.

According to Kentucky Statue - KRS 382.365 " Release of lien, with notice to property owner, within thirty days of satisfaction '' I should have received a notice of lien removal within 30 days of paying of. On XX/XX/XXXX I personally went to XXXX  County Clerks office in XXXX KY and confirmed that there were nothing filled to remove the lien. The same day I paid XXXX  dollars to sent a demand letter to get my money and release of the lien. PennyMac have received the letter on Monday,XX/XX/XXXX.

The only thing the Penny Mac representative was care about is to make response on time with CFPB, The only deadline they met on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  CARD XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-03-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is responsible for the servicing of my mortgage loan, but they are failing miserably. I can not imagine how they are able to remain in business after all the shenanigans they have done. They are purposely keeping me from obtaining mortgage assistance, so that they can take my home away and make themselves richer. They will not have any constructive discussions with me and it appears that they will soon put my home into foreclosure. I have lived there for over 50 years and want to spend the rest of my life there. They have never provided me with assistance and when I tried working with them they keep asking for the same documents over and over again. I am not a deadbeat, but fell into financial trouble when I lost my father, two sisters and my daughter to XXXX. This set me behind on my payments and I should have gotten some help from Wells Fargo, but they have been incompetent in their efforts to help me. This has gone on for years and I need some help dealing with them. Since they have not helped me, my delinquency is much larger and I am afraid that there is no way I can get my mortgage modified. It is their fault that it went on so long as they kicked the can down the road. I keep having to deal with a new person every time I call in and it gets frustrating because I dont think Wells Fargo has a cohesive process to help homeowners. Isnt it their business to professionally handle loans? I bet if this was a new loan they would have had this completed within a month. I am certain that they are dragging their feet because I have equity in my home that they want to capture. How can Wells Fargo still be in business after all I have read about them? Please shut them down! I hope your agency can go after them on my behalf and get them to correct my loan issues.

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 2018-03-30
Company: Perfection Collection
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Perfection Collections has placed an account on my credit report. I have never heard of this company, never received any type of notice giving me 30 days to dispute the information before it was placed on my credit report. This company is a debt buyer that has bought a charged off account, and I have no legal obligation to pay them anything, I have no contract with this company, and do not owe the original creditor anything. I have asked for validation showing that I am legally bound to this company for the alleged debt, and they have not sent anything as requested via certified letter that was mailed to this company. I am demanding that this account be deleted from my credit reports. This is a clear violation of my rights under FCRA, and I am obtaining legal representation. I am in the process of buying a home, already obtained pre-approval for a loan, and now that this account has been placed on my credit report, we will have difficulty obtaining final approval, and we already have money invested, so I will be filing a lawsuit, if this account isnt removed from my credit reports, seeking damages for the money I will be losing because of this account being placed on my credit report, preventing me from now getting the mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX has failed to provide original documents with my signatures nor verification sheet disclosing information. XXXX is using the E-OSCAR not providing verification and missed the 30 day deadline provided in the verification sheet.

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 2021-11-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/21 a fraudulent charge of {$190.00} was made on XXXX using my Chase Freedom credit card, I contacted Chase the same day the charge was made and was assured the charge would be removed. The {$190.00} was removed the same day and I was issued a new credit card with a new number ; however, this same charge from XXXX appeared on my statement almost 3 months later on XX/XX/21 and I was not notified by Chase of this recharge nor did they agree to remove the charge based on my statements. 

Further attempts to contact Chase to resolve this charge have been time-consuming and frustrating, they do not seem interested in removing the charge and the agents that handled my calls seemed more interested in getting me off the line as quick as possible. The case is clear : the charge was NOT made by me, the charge had already been removed and the old card had already been closed, there is absolutely NO reason why someone should expect a 3-month old FRAUDULENT charge from a credit card they already closed. I want this charge removed as soon as possible and Chase needs to take better care of its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/17,XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ca XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX XX/XX/17,XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XX/XX/2017 XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Tx XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/17 All of these companies have inquiries on my credit report that were never authorized by me.

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 2021-04-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  CARD XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: BMW Financial Services NA, LLC
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: Information is missing that should be on the report

Complaint:
Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with XXXX, XXXX  and XXXX, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted BMW Financial Services and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.

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 2017-08-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX reporting that I was late when I was not. They are indicating that i missed a payment when I did not.

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 2019-03-13
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I decided it was time to repair my credit and buy a house. I had several outstanding credit card collections that needed to be paid off. 
XXXX XXXX XXXX had three of those collections. In order to pay off all my collections I took out a high interest personal loan at the end of XX/XX/XXXX. On XX/XX/XXXX I called every single collection agency on my credit report and paid every one of them with the exception of the one in question. 
On XX/XX/XXXX I paid XXXX XXXX XXXX for 2 of the three collection accounts. 
First one was for {$290.00} and the second was for {$740.00}. 
The XXXX one I couldn't pay, they told me that because it was already entered in a Judgment, they couldn't receive payment. I called every payday from XXXX until the end of XXXX trying to pay this debt and finish my credit repair. Every time I called I was told its still in the legal department and can't make a payment. At this point I was starting to get upset and frustrated with XXXX XXXX. In early XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX of XXXX XXXX in XXXX Arizona stating the XXXX XXXX XXXX " acknowledges receipt of goods '' and was " a full satisfaction of judgment ''. 
Fast forward to today, XX/XX/XXXX, I am in the middle of a home purchase where escrow closes on XX/XX/XXXX and my lender called me to say XXXX XXXX is now saying I owe them {$1200.00}. We ( mortgage company and me ) thought that with the letter from the court they would fix this. I argued on the phone with a XXXX XXXX rep for over an hour. I finally was so upset that I said I would just pay the balance because I need to get this fixed so I can move forward with my home purchase. I was then transferred to XXXX, what they keep calling the legal department at XXXX XXXX. I explained to the new representative that I just wanted to pay the balance. He looked up my account and then asked " you live in Oregon? '' I said " yes ''. He then proceeds to tell me that he can not accept payment because XXXX is not authorized to collect in Oregon. 
I am making this complaint because it is urgent that this is taken care of or my home purchase could fall through and I already gave my landlord my 30 day notice back on the XX/XX/XXXX. I am desperate and have really been trying to pay this for almost a year.

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 2020-09-02
Company: Ability Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ability Recovery somehow refuses to acknowledge that validity of debt does not allow them to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money. I requested debt validation in XX/XX/2020, and received no response. I was not given any opportunity to validate, verify or ( if valid ) satisfy the debt prior to credit reporting. 

The attached shows clear inaccurate date, inconsistencies, and duplicate reporting all violations of the FCRA.

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 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/19, I sent a follow up letter to TransUnion requesting they re-investigate the verification of a collections account with the company : XXXX XXXX XXXX, in which they replied, explaining the account had been verified. In the follow up letter I requested the procedure in which they used to verify the accuracy of the reporting. I asked that they provide me with names, addresses, telephone numbers of each person contacted regarding this alleged account. As well as any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them. I specifically noted that any automated response or e-oscar verification would not be accepted. XXXX  did not provide me with anything that I requested from their re-investigation. I'm asking that the fraudulent account be removed from my credit report immediately. Thank you for your attention in this matter.

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 2019-03-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
There was a transfer of funds from my Chase checking account on XX/XX/2019 in the amount of {$1300.00} to an unknown person using quickpay with XXXX. I did not authorize this transaction and immediately filed a claim with Chase claims center on XX/XX/2019 upon seeing this transaction. The checking account was closed immediately and I was told the investigation would take 10 business days to complete. I have repeatedly contacted Chase claims dept. to ask for an update on my case and was told on XX/XX/2019 that no fraudulent activity was found. I asked the Chase representative for proof in writing that I had sent the funds using my devices and they could not provide that to me. My account was obviously compromised and funds stolen from my account. My wife nor I have ever authorized the disputed funds be transferred from our account to this unknown person. I have filed a police report with the local authorities. I am completely shocked that Chase can just state that they found no fraudulent activity and close the case even though I have stated that my account was compromised and that my wife nor I have never authorized the transaction or initiated the transaction! I have yet to receive any documents on the case or proof that I approved the transaction. Thank you for any help you can provide.

Company response to consumer: Closed with explanation