BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: Absolute Resolutions Corp.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Absolute Resolutions Investment, LLC is harassing my work phone number and calling my family members multiple times asking questions. I have asked them to stop calling my work phone number in writing and to only call my home number at the appropriate hours. Also they will not validate the they account and their contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not update these accounts. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wired {$4000.00} through TD bank, but later on found it was a scam. I wanted to wire money to XXXX XXXX  but in reality I wired to a personal account. ( This was a scam from a dating app. I already reported to reportfraud.ftc.gov. ) I went to the police department and the police asked me to get an affidavit from my bank stating that there was suspicious activity on my account. I then requested from the TD Bank, but got rejected. The bank stated that because I initiated the transfer so there was no suspicious activities involved. Until now, I am not able to make a report because the police insisted that they need the affidavit in order to start the case. 

I understood that it was my fault to initiate the money transfer, but TD Bank did not ask for any evidence about the scam that I encountered but just rejected my request for getting an affidavit, so I am not able to make a report to the police. This is irresponsible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2019 a fraudulent account was taken in my name to obtain a credit card. I sent letters to the collection agency along with XXXX disputing the inaccurate information and requesting original documts supporting this debt. The account XXXX is the account in question with Bank of America. I filed the police report and completed a notorized affidavit disputing the inaccurate information. I've sent both bank of America as well as XXXX a certified letter requesting information regarding this fraudulent account and requesting for documents supporting this debt and neither agency has responded.

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 2023-03-29
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent OutSourcing is trying to collect {$1200.00} for a utility bill from Texas. I don't live in Texas. I would never co -sign for anybody. The last time I have been to Texas was at 1994. I live in Florida. I Have outstanding credit. I have been working for the XXXX XXXX as a XXXX  XXXX for XXXX. I have reported this to XXXX everything was erased because it was fraud. This happened last year with another collector it was also erased but it came back again with this Collection Agency. Convergent energy asked me to file a police report as well. This is where I'm confused? Is this necessary? Your help will be greatly appreciated. Thank You Creditor : XXXX XXXX XXXX  # XXXX Convergent Acct 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 2017-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got the attached document in the mail. I work in the financial industry and I am 99 % sure this is an attempt to get my wife 's personal information. I wanted to share this with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Equifax on XX/XX/2019. I am a victim of identity theft, my identity was stolen years back. I called Equifax to dispute some fraudulent accounts that are on my credit report. There is also some Hard Inquiries that are fraudulent that I wanted to dispute. I was also notified by Equifax a year ago to inform me that my credit file was compromised due to a Breach in their system. When I was finally able to spoke to a representative about my disputes, she fused to verify my information and she would not take my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: SD
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:
I have tried to get my free annual credit report but have not been able to from equifax. when you get to the verification section online, it asks for things that i never had like a car loan information and i have never had a car loan. It also asking for mortgage information and i have never had a mortgage ( never owned a home ). then it asks for credit account info with creditor I dont know of and have never had any account with, At least two of the three bureaus have the online feature set up to asks questions that don't pertain to me at all so that i can't complete the verification process and get to my credit report. XX/XX/XXXX and XX/XX/XXXX also have their online system set up to block you from logging in to dispute any of the inaccuracies or fraudulent information they post to your credit report just cause they feel like it and the credit bureaus don't thoroughly investigate the information before ( or after a dispute ) they start posting things to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During a home refinancing program for veterans, they reported my loan as being late. I was not late, paid mortgage payments as scheduled ... .. while the paperwork was being processed for loan modification period. Wells Fargo sent a letter telling me I was approved and when my payments would resume. I was not late making payments during the process of them refinancing the loan. The dates in question where during the home modification process ....

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 2020-07-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
JP Morgan Chase bank credit card. 

I was charged more interest at a higher interest rate during Covid19. 

Most major credit cards including XXXX XXXX were waiving all interest charges, while Chase increased my rates, for this to happen during Covid19 is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020, I took out a {$550.00} loan from this company. 
They are taking {$150.00} out of my account every 2 weeks. 
I recently got a new job and my payday dates are different than the dates they take the money out, I attempted to reach them to change my payment billing dates but there is no way to do so. 
This causes my account to go into overdraft every 2 weeks. They also will not let me pay the loan off early to get out of the trap. I would like the withdrawals from my account to cease immediately, in the middle of XXXX or early XXXX, I added a payment of {$200.00} and it did not decrease my principle balance and was all applied to interest with the exception of about {$50.00}. I have paid them over {$1000.00} now on a {$550.00} loan. They have made their money. I am asking for the withdrawals to be ceased immediately as they give me no way to pay down the balance and keep charging me high finance fees every 2 weeks that I am unable to afford. If they refuse to cease withdrawals, I would at least like a reduction in the payment amounts ( which has gone UP by {$27.00} as of last week. ) AND changing of my billing dates to the XXXX and end of month to coincide with my paydays. 
This company has ruined me financially for the past 3 months and I am working 2 jobs to cover this debt, I should not be on the hook for over {$300.00} per month on a {$500.00} loan with no way to pay it off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this account ( 1 ). ( A ). 

XXXX XXXXXXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: TX
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:
There are two loans being reported on my credit profile with identical Account # s and one is being reported as a collection and derogatory. I have reached out to the Creditor reporting this information and as well as to Equifax who is reporting the inaccurate information. The Original Creditor responded that they no longer are the credit reporting furnisher after asking for validation on the debt. Letter will be attached. I dont see how Equifax or XXXX XXXX is reporting such if they claimed to have verified the account but the ORIGINAL Creditor does not furnish the account anymore nor have information on me for such account. 

Also the CHARGED OFF Derogatory account has ON TIME payment history dating XXXX of XXXX all the way through XXXX of XXXX. This is clearly INACCURATE information being reported and am aware this is a tatic to Re-Age accounts so they continue to report as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: AES/PHEAA
State: ID
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:
my school loans were paid and closed in XXXX because of my TPD. The loans from XXXX XXXX XXXX, XXXX and XXXX show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 non-monetary relief
Consumer complaint received 2019-06-10
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For over fifteen years XXXX has deliberately put a lock on my ability to access my credit profile with them, rendering it virtually impossible for me to dispute either by phone or online all the errors they have on my report. Since they have impeded my ability to secure any credit from potential creditors over the years, my hopes of buying a house for me and my family has been thwarted. The struggle has been very daunting. 

So in XXXX, XXXX I wrote to XXXX via a Certified/Return Receipt mail, requesting that my personal data ie my correct name, date of birth, address, and current employer and phone number should be the only information allowed on my credit profile with them and no other irrelevant information which does not pertain to me. Until now, XXXX has woefully ignored my request and I have not received a response, months later. 

Also, I called on their attention to delete the following erroneous and unfair accounts which does not belong to me and has continued to impede on my ability to secure any measurable employment and worthy credit off my credit report. again, they blatantly ignored my request. 

1. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX Acct. # XXXX for {$3900.00} since XXXX, XXXX 2.XXXX XXXX Account # XXXX for {$1600.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX 3. XXXX/XXXX Acct. No. XXXX for {$40000.00} since XX/XX/XXXX C/O XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX 4. XXXX XXXX Acct. No. XXXX for {$20000.00} since XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 5. XXXX XXXX Acct. No. XXXX for {$2200.00} since XX/XX/XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 6. XXXX/XXXX Acct. No. XXXX for {$920.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX 7. 09 XXXX XXXX XXXX XXXX XXXX Acct. No. XXXX for {$2700.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 8. 11 XXXX XXXX XXXX Acct. No. XXXX for {$180.00} since XX/XX/XXXX XXXX  XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX 9. 11 XXXX XXXX XXXX Acct. No. XXXX for {$1100.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 non-monetary relief
Consumer complaint received 2016-07-02
Company: STERLING JEWELERS, INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have a credit account with Kay Jewelers which is past due. I tr to make payments when i can, but their collectors constantly harass me with phone calls at all times of the day and night. They start at XXXX and continue through XXXX everyday of the week, Saturday and Sunday included. I have told them they should be receiving a payment on Tuesday, the next business day, but the calls continue, up to 12 calls a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Chapter XXXX Bankruptcy 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 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Chapter XXXX Bankruptcy 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 2020-11-18
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my house in XXXX of XXXX. The mortgage was sold to a mortgaging service company in XXXX of XXXX. On XX/XX/XXXX, the first half of my property taxes were due. The mortgage servicing company did not pay them. They finally paid them on XX/XX/XXXX but they paid both the first half that was overdue AND the second half as well ; these were processed as two separate transactions. Because two transactions were received by the mortgage servicing company 's payment systems, the second transaction was kicked out as a duplicate payment. This took me from XXXX, XXXX to the end of XX/XX/XXXX and I ended up paying the taxes myself with the company reimbursing me in XXXX, XXXX. It was a serious hardship to come up with such a payment during these Covid-19 times. 

I refined my house again in XXXX of XXXX and once again, my mortgage was sold to the exact same company. On XX/XX/XXXX, I received a letter from my homeowners insurance company stating that they had sent a bill to the mortgage servicing company twice but had not received payment which was due on XX/XX/XXXX. I contacted the mortgage servicing company and they said that due to a data entry error, the bill from the insurance company was marked paid when it had not been actually paid. The mortgage company corrected the error and released the payment to the homeowners insurance. The mortgage servicing company is NewRez LLC XXXX, MI XXXX. 

These are two major issues that have occurred in 9 months. I am concerned that this will continue to happen in the future.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I opened a Capital One credit card on XX/XX/ I had some medical issues and I missed payments forXX/XX/XXXX My account is current and Im paying the minimum on time now

Company response to consumer: Closed with explanation