BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below the inquiry that is still reporting on my credit report and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : CREDIT PLUS Inquiry DateXX/XX/2021;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Maximus Education, LLC dba Aidvantage
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: Account information incorrect

Complaint:
Student Loans Report differently on all 3 bureaus Dept Ed/ Aidvantage. 

XXXX {$35000.00} XXXX {$30000.00} XXXX {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave XXXX, XXXX, or XXXX written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$560.00} XXXXXXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$470.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX {$530.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Spoke with XXXX XXXX with Ace cash express in regards to a loan obtaining a personal loan in the amount of XXXX. I was prompted to verify my XXXX account by Ace cash XXXX in order to receive the loan on XX/XX/XXXX Ace cash advance deposed {$690.00} on XX/XX/XXXX. The deposit came from XXXX XXXX, into my XXXX account. I was then asked to purchase two visa gift cards. One in the amount of {$390.00} at XXXX on XX/XX/XXXX and the second at XXXX in the amount of {$690.00} on XX/XX/XXXX. I was told to take pictures and email the gift card information to XXXX XXXX at XXXX. I was told this was part of the verification process. 
After doing so. I was told I would receive my loan by that evening of XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call from XXXX XXXX stating that I would have to verify my XXXX account one more time because they did not typically deposit loans through XXXX. This time he stated he would deposit an amount between XXXX to XXXX and I would again need to purchase another vanilla visa cash card. 

I refused to buy any further gift cards and and asked what me buying gift cards had to do with verifying my account, after already doing so once. 
I then felt there was something wrong with the situation after multiple personal text messages and phone calls from XXXX XXXX from the phone number XXXX. Asking me to proceed and being very pushy. 

I had not heard from or spoken to XXXX XXXX again with ace cash advance until I called demanding my funds back on XX/XX/XXXX. 
I was notified that {$240.00} was deducted from my XXXX account, also connected to my bank account. In the amount of {$240.00} the transaction stated it was a fraud claim. ID XXXX. On XX/XX/XXXX. The {$240.00} was every penny in my account On XX/XX/XXXX. Im sure more would have been have been taken if there more in the account. 

I then contacted my bank in regards. Shutting down my cards and account. I called the XXXX Fl sheriffs office to file a report through officer XXXX on XX/XX/XXXX and was directed to file a claim through www.ftc.gov/complaint in regards, due to the report happening out side of XXXX XXXX. The office of ace cash express is out of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am submitting this complaint because of how long my closing process has taken through First Citizens Bank. I originally submitted my contract on XX/XX/2021 at First Citizens Bank located at XXXX XXXX XXXX XXXX XXXX, VA. I was told I would close on this property in 60-70 days. I was told that I would close by the end of XXXX, then XXXX and now we are almost at the end of XXXX, 91 days from when I turned in my application and contract to the mortgage lender. The current owner has extended the contract once until XX/XX/2021, and is becoming very impatient, as am I. I am very displeased with this process and I hope it does not cost me the purchase of this house. I have reached out continuously to my lender in XXXX and my loan processor located in XXXX, SC, but they have not been helpful as this process continues to be strung along with no solutions to close in a timely matter. I have sent in all requested documentation in a timely matter, always right after it is requested. So I would like an explanation as to why we are 91 days from the start of this process and would appreciate a solution as soon as possible so I can close on this property before the contract addendum expires once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: ACIMA CREDIT, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously submitted a complaint about the my account not being updated since XXXX on XX/XX/21. As of XX/XX/21 it was updated to " Paid In Full '' BUT STILL the WRONG amount. It is not hard to reflect the amount actually paid, which was " {$870.00} '' NOT the " {$1900.00} '' it reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I opened a checking account with Pentagon Federal Credit Union, having requested closed my previous account on XX/XX/XXXX at the completion of an auto loan. 

I did deposit money to open the account. 

I was never given access to my account online, and there is no branch for this bank. I tried countless times to work with PenFed customer service to obtain access, but every time I attempt to log into penfed, with my correct username and password, an error message appears. Penfed is holding my money hostage.

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 2017-10-27
Company: Brown and Joseph, Ltd
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
original credit was XXXX a member of XXXX XXXX. Never done business with this company. I sent a 30 -Day Validation notice on XXXX XXXX, 2017. 

Have never heard back from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
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:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I noticed that Loan Care wrongfully charged me twice for my full property tax in XXXX year, increasing my payment from XXXX to XXXX This can be seen on the attached Escrow Disclosure document on page XXXX. 

I filed an email complaint on XXXX/XXXX/XXXX given them my XXXX tax form and pointing out the error. I was issued ticket number XXXX. I then called and asked for my issue to be expedited and was told my issue would be resolved in XXXX business days. 
I called Loan Care after the a XXXX business days and they said it would be handled that night. They said they would call back when it was resolved. They never called back. I would call each week and they would give me a new resolution date each time, ranging from XXXX XXXX all the way to XXXX XXXX. They never would call be back and I would always have to call them. The issue is still not resolved and I am extremely unhappy with the way they have handled this. I am tired of calling them and getting disappointed. 

To add to the frustration, I ended up paying the XXXX amount for the XXXX XXXX mortgage payment since I was on XXXX XXXX Loan Care said after the resolution they would refund me the difference. We are now approaching the XXXX XXXX mortgage payment and my payment is still wrong XXXX XXXX XXXX. 

I really need some help as I feel they are giving me the run around and not solving the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
On XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX reported ( XXXX XXXX XXXX XXXX ) to CHEXSYSTEMS. The checking account was charged off for XXXX}. I have contacted XXXX XXXX collection department and fraud department. All associates I have spoken with have stated they have nothing on record of me owing any debts. I disputed this with CHEXSYSTEMS. I received correspondence from CHEXSYSTEMS stating after investigation, my dispute has been verified as accurate and therefore will be retained with CHEXSYSTEMS. I have tried to contact CHEXSYSTEMS with no luck. I either get no answer or re-directed. I am trying to understand how they came to that decision. Who did they contact at XXXX XXXX? If I had this information I may be able to rectify. I am currently red flagged with banking institutions and this has held up my financial progress. My dispute and complaint is, How can I be red flagged when XXXX XXXX can not verify I am in debt with them and CHEXSYSTEMS can not provide me with information on regards to who they spoke with to make this decision!

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 2022-03-31
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
GLA GLA COLLECTIONS XXXX XXXX XXXX XXXX, KY XXXX on behalf of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made a derogatory claim on my credit report. They never reached out to inform me that this account was on collection. Never made contact or communication, it wasn't until I started a dispute that a representative from GLA contacted me. 

This collection debt comes from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a bill that XXXX XXXX has been requested XXXX XXXX and the Physician XXXX XXXX XXXX XXXX office to provide copies of the treatment. XXXX XXXX has provided the patient claim disclosure that I do not owe anything. XXXX XXXX never responded. I didn't received any communication, early in the process I paid {XXXX} and received communication that it was going to be refunded because I didn't need to pay the {XXXX} this was going to be paid by XXXX XXXX. 

Then, I never received any information until XXXX XXXX  sent me a notification of a derogatory mark on my report. You will see on my document attached of all the information I have done to resolve this issue. GLA or the XXXX XXXX never communicated this until I opened a dispute on the credit report agencies, then GLA starts calling me that I owe this money. 

XXXX XXXX still maintains their position, the patient ME do not owe any debt to XXXX XXXXXXXX that they need to submit the paperwork. 

This has put my credit down for XXXX points. I personally called GLA and they stated the account is already accumulating interest. 

This is very frustrating, because I work very hard to keep a good credit pay my bills and out of the blue without any further notice XXXX XXXX XXXX sends a debt ( that is not correct ) to a collection agency.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX XXXX XXXX attempted to contact Hunter Warfield Collections Asset Investigation via phone and I was threatened with legal action and various other actions and threats after I requested validation and verification of debt owed and also willing to pay if the account amount was correct. But when I left the apartment complex I did not owe anything and I feel as if I am being harassed and forced into repaying a debt that is not mine. The information was sent to the incorrect address and when I attempted to correct information agent XXXX XXXX was threatening and forcing actions on me. I do not owe feel this is a safe collections practices and it does violate FDCPA. Please assist me in correcting this unsavory tactics.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Conn's, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, CONNS, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
There account reporting in my credit Records was already discharge in Bankruptcy. I ask you to remove them because they affecting my credit records.

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 2020-05-30
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/20 I tried to use XXXX to send {$370.00} to my roommate for rent. However, PNC changed their rules and I can no longer do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: MONEY SOURCE, INC., THE
State: MD
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:
the Money Source finally corrected my XXXX report on XX/XX/XXXX to save that i wasnt on a modification : The details and comments of your account **** XXXX with THE MONEY SOURCE changed. This XXXX XXXX XXXX XXXX XXXX comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Va mortgage Comment 3 : Fixed rate And now then changed it back again on XX/XX/XXXX that i was on a loan modification again : The details and comments of your account **** XXXX with THE MONEY SOURCE changed. This XXXX XXXX XXXX XXXX Mortgage comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Loan modified Comment 3 : Fixed rate I was never on a loan modification it has cased my credit score to drop 21 points due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This is a complaint against the XXXX XXXX Citibank branchs misrepresentation of promotional deposit products. In brief, I deposited {$250000.00} with Citibank XXXX XXXX branch because they represented an outdated {$1000.00} promotion which I relied upon as valid. 
-- -- - SEE ATTACHED LETTER FOR COMPLETE DESCRIPTION OF COMPLAINT ... 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 2017-10-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company contacted me and left a very threatening voicemail. Said company stated that if they were not contacted back would pursue legal action. Also did not state what it was regarding leaving an assumption that I have done something wrong. Contacted company back and the person on the phone threatened to sue me for a dead debt that is over XXXX XXXX XXXX. I stated multiple times that I do not agree to this debt and the company insisted that I had. Repeated over and over again. Then stated that since I agreed to the debt it starts over the statue of limitations for the next XXXX years. I know the law and this is not true and told the man this who became more irate and threatening to sue me. Continued until the company hung up on 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 2020-10-08
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the Debt even though it was not owed and they are still reporting this to XXXX. All the other Bureaus have removed this Debt because it was Inaccurate and never owed National Credit Systems XXXX the company contact is : NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX  XXXX  , GAXXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation