BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
Company: Action Collection Service
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX I lost my job due to COVID and was required to move across country to survive. I was told by my landlord that I could find a pay XXXX to list my home again and get out of my lease only paying anything my deposit didnt cover. They never listed my home, I found the renter personally on social media, then we were responsible to show them the home. The company fulfilled none of their duties for the money I was required to pay. The renter loved the house, I had the home cleaned and the renter wanted a wall mural ( removable ) that we had on the wall. The rental company employee XXXX said all of this was fine. We had the bone cleaned and it was in Better condition than my move in condition : I have photos. Of move in and video of move out. 

XXXX called me on XX/XX/XXXX said everything was perfect they found a renter and I was good to go. She asked me to have the utilizes shut off on the 1st. They then proceeded to retain my entire deposit and attach this monies to my credit report stating gone in disarray and damages and that they could not move the renter in on time. 

I requested specific invoices and proof of said damage and received nothing. My calls were avoided. They have never sent me any verification of the damages or invoices for the repairs that were made to take the entire deposit and I dont care, they can have it, I do care however that they are bullying me through my credit report and have never sent me anything to validate the amounts they put on my credit report. 

I want to be done with this company I refuse to pay more money that they are trying to fraud from me and I want the manipulation of my credit report to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: A.R.M. Solutions, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a phone call in from A.R.M. collections on or about XX/XX/2018, attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I had just installed a solar system with XXXX XXXX through XXXX and then financed through there finance company XXXX XXXX. 
I then told A.R.M. to send me the collection letter which I received yesterday, XX/XX/2018. I then proceeded to call XXXX XXXX, XXXX, and XXXX XXXX, to find out what exactly is going on with my account with all of them. They proceeded to inform me that there was no debt that was in arrears with all three companies ; XXXX XXXX, XXXX or XXXX XXXX. 
I'm assuming this must be fraudulent however A.R.M. was very persistent, I have called the New Mexico Attorney generals office and they could not find A.R.M. in there files as a valid company. So, if there is anything that you can do to help me or anyone else with this information, it would be greatly appreciated. 
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 2020-08-26
Company: Capio Partners, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received a report on my credit from a XXXX XXXX XXXX XXXX for XX/XX/2020 which I have not been to the hospital none 2020 and the fact that this appeared on my credit Is evidence of identity theft or that the company altering dates and time please correct this the last thing I need is more debt in this global pandemic and I will continue to try and reach out to the company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: Experian Information Solutions Inc.
State: MI
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 traded in my vehicle on XX/XX/2020 and immediately XXXX XXXX XXXX was notified and XXXX XXXX XXXX took possession. There is some obligation between XXXX XXXX and XXXX that is operating outside of my deal to trade and the vehicle is still not paid off. The dealership states that XXXX XXXX owes them {$60000.00} so they refuse to send in a check to pay off the vehicle. XXXX XXXX states that dealer services is handling it ... they are not doing collection calls YET they reported me late to the credit bureaus dropping my score 109 points. The dealership also listed the vehicle within days so whatever issues they have with each other ... I am the one being negatively impacted. In addition I am owed a refund for a warranty service plan that XXXX XXXX mandates because I cancelled immediately on XX/XX/XXXX when they opened. I have a contract showing that this vehicle was traded in. Trust me if XXXX XXXX even thought I had this vehicle they would have shown up to repossess it. XXXX of XXXX is culpable also. Two companies that I hope to NEVER do business with again. Unethical, predatory and disingenuous is just a few words that describe these companies.

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 2021-04-30
Company: ZWICKER & ASSOCIATES
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the attached records, on XX/XX/2018, Zwicker and Associates PC, placed an inquiry on my credit report. Then on XX/XX/2018, Zwicker and Associates, a debt collector, filed a collections lawsuit against me, in violation of the Fair Credit Reporting Acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: GVA Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I continue to get calls for loan taken out in my name in XX/XX/XXXX with XXXX XXXX. I called the company and police and reported as identify theft. They left a message on my cell XXXX ext XXXX ref # XXXX today XX/XX/XXXX. 4 months ago I called the loan company they said it was cleared and were going to notify collector to stop harassing myself and family. They are threatening with taking me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new checking account with Chase online in XX/XX/2020 and did an electronic transfer for {$2000.00} from my XXXX checking account. They collected the funds then immediately froze my account for suspected fraud. They did not notify me of this but they gladly kept my money. I have had a relationship with Chase and a Chase credit card for years with a valid online ID which got frozen. I could no longer access any of my accounts. My money was gone and I could not get it back. When I called Chase they refused to send me a refund of my money and would not let me send in identification to show this was a valid account and their bogus {$200.00} new account offer was forfeited. Four months later I was advised I have to go in person to a branch during a pandemic. I was advised when I go in a branch and show my identification the check will be mailed within a few days.I am XXXX years old and this causes hardship hardship on me and my family. On XX/XX/XXXX I went into the branch and they verified my I.D . but would not give me my money. They told me at the check would be mailed. It has been over 10 days and I have still not received my refund check. Chase is deceitful and is a total dumpster fire and should be fined for their poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Capio Partners, LLC
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: Old information reappears or never goes away

Complaint:
This account has just been listed this year for a second time. This account was alleged to have been acquired XX/XX/XXXX and has just been re-listed for the second time XX/XX/XXXX. After sitting for close to 6 years it was removed and re-added.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For the past year I have been working to not only repair my credit but remove fradulant credit information from my reports. I have taken all necessary actions to report this info from filing the neccessary paperwork with the Federal Trade Commission as well as filing a police report at which all 3 credit bureaus have received and been notified of the beginning of this year. I have recently sent via certified mail request to remove the referenced accounts from my report as well as inquiries that where not authorized. My information has not only been stolen but also my information has been leaked in numerous breaches which include, XXXX breach, Equifax Breach, XXXX/XXXX Breach, XXXX XXXX corporation Breach and XXXX. To date on 1 credit bureau has complied with my request and removed the accounts. I am now writing to request that you assist me with having Equifax and XXXX comply with my request. Majority of the accounts where opened online. And being that all my information was leaked in the Equifax breach, great consideration should be taken as that breach not only disclosed my social but my addresses, drivers license number, DOB and credit information. I would appreciate getting Support to have the accounts and inquiries removed. As I have done everything on my end in reporting this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Upon attempting to obtain my credit report online, website states it's unable to do so and directs me to obtain it via mail. No reason given as to why. 

Furthermore, Equifax ask for identity verification info from over 12 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Experian Information Solutions Inc.
State: PA
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 originally filed this complaint with your agency under complaint # XXXX. 
The issue is not with the XXXX Card that was opened in 2000. This is a new XXXX  card that is under my daughter 's name and I am an authorized user. I have been an authorized user for approximately 10 months and no information is being reported by Experian. I have spoken with XXXX and they said they have been reporting this information to Experian.

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 2019-08-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sold my house located on XXXX XXXX XXXX, XXXX, ga, XXXX  on XX/XX/2019.

1 ) my Payment history was never reported correctly by XXXX, Equifax, XXXX for my Payments to XXXX and XXXX XXXX.

With both companies, I was in a loan modification program where payments were modified / delayed ; yet I was reported late. Very late by all 3 credit reporting services.

2 ) please contact Equifax, XXXX, XXXX to correct their reporting of me - again, not late, but in a modification program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I cash app {$460.00} to my bank XXXX XXXX XXXX and on Saturday XX/XX/2020 I call the bank and they told me they never received it to my account. 
and as of XX/XX/2020 it is still not in my account at XXXX XXXX XXXX XXXX. I have {$460.00} missing and no one knows where it went to. I am out of {$460.00} I dont know where it went to. I need someone to please investigate on this matter. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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:
To It May Concern ; I had An incident where someone broke in my house, ever since that happen my identity has been used by an unknow source. these Accounts are Related to Fraud. I did not Authorize these Account. 
Attached is the police Report of what happen at my home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: EQUIFAX, INC.
State: NY
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:
To whom to may concern, In early XX/XX/2020 I had become an authorized user on my cousin 's XXXX XXXX XXXX credit card. They had said they would show me in the credit files to all 3 of the major credit agencies and have not. I will also put an attachment from XXXX XXXX website. It is now Middle of XXXX and I do not see this card anywhere on XXXX, equifax or XXXX. I have called XXXX XXXX a few times. They said they would fix it and it just had to be updated. I just feel like nothing has been done to show my information. I understand with covid everything is backed up. Just want my information to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA mortgage with XXXX XXXX XXXX , XXXX which is a subsidiary of LoanCare , LLC. This loan has been in an approved forbearance due to covid-related economic hardship since XX/XX/XXXX. However, since XX/XX/XXXX LoanCare has sent me several statements and demand letters stating that my loan is delinquent ( it is not ; it was current as of the date of forbearance ) and threatening foreclosure. LoanCare is also adding late payment fees to my loan balance. I have made numerous phone calls and email messages to LoanCare, with no resolution.

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've been in touch with all XXXX bureaus since XXXX about my credit reports and have had some success but they problem persists and continues to impede upon my financial health. As a result I have submitted the following complaint to all XXXX bureaus letting them know this : " I continue to review my credit reports regularly and recently noticed some unauthorized accounts. I never instructed your agency to furnish this report nor consented to this report. According to Title 15 USC 1681 ( b ) XXXX, your agency never had a permissible purpose. Under Title 15 USC 1681 ( a ) XXXX, it is clear your agency continues to assume these roles without my consent. 

Your agency continues to violate my right to privacy which, under Title 15 USC 1681 ( a ) XXXX, is protected by federal law. Under this law, your agency is not exercising its grave responsibility, and continues to be unfair and partial ''.

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 2020-06-01
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing Experian credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit.

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 2018-07-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Midland Funding stating I owe about XXXX dollars. I called them to see if we can work something out if anything since it said I have till the XX/XX/XXXX to respond. I spoke to a representative stating they cant do anything for me as the debt is under investigation. I asked to speak to a manager and they transferred me to XXXX XXXX and gave me the run around and told me to call tomorrow. I tried to settle so theyd leave me alone but it seems they want to use scare tactics to get me to pay a full amount for a debt I alledgly owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I submitted a formal request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  XXXX on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests from XXXX  and TransUnion. I do appreciate XXXX responding to some of my concerns but there are still some inaccurate items that need to be resolved.

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 2021-01-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Select Portfolio Servicing has not been reporting my payments to the credit bureau since 2016. I did file bankruptcy that year however they where not included in the bankruptcy. I have paid every month since and now that Im trying to do a refinance on the house Im just finding out this information. I have two mortgages and the other company is reporting XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXXXXXX XXXX XXXX Late Date XX/XX/22

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