BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: NJ
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:
Consider this as a follow-up complaint to my previous complaint that contained these erroneous items : XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX These records and items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Glass Mountain Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is still attempting to collect a false debt with the following aliases : Glass Mountain Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX has sent a letter to tell me that they sympathize with ID theft and would remove the false debt, yet they send another letter to offer a SETTLEMENT through the Glass Mountain LLC for that same debt that was not incurred by me and already proven to be a false. I am tired of the harassment and will be reporting them to a credit bureaus and federal entities to cease all communication and use of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2021 I ( XXXX XXXX ) leased a new XXXX XXXX XXXX from XXXX XXXX in XXXX, FL. The Finance company is Southeast Toyota Finance.

The first payment needed to be made after the invoice was received then the auto pay could be set up. 
We sent the first payment on XX/XX/2021, It was received and cashed on XX/XX/2021. 
I then set up autopay to start for the remainder of the lease payments commencing on XX/XX/2021. 
I started receiving phone calls from Southeast Toyota Finance as of XX/XX/2021 saying they had not received our payment and we needed to submit asap. 
After 22 phone calls between 2 phones, speaking with 6 representatives who said they would rectify after I had the bank fax the proof to them, nothing. The calls keep persisting multiple times a day. No one there is taking care of and now it is on our credit bureau report. I need help since they seem to be incompetent and this is effecting my life daily. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
As scam continuef to con me out of hundreds, I am very careful about who calls claiming I owe money. So I get a call saying I owe over {$300.00} for medical bills back in 2016 ; I asked them to send out a letter so I could view it. With me being in college, all my mail is sent home and it is put aside for me. I go home every weekend with a stack of mail waiting and none from a debt collector. So time goes on and I get calls and voicemails from the same man saying the same things like a robot. I tell him the same thing, send me the letter and he claims to have sent it already but I never get it, even after staying home for an entire 3 week break. Time goes on again and Im still getting calls throughout my days, while Im in class and at work, even 4 times a week. He then tells me he can email it to me, which is a weird thing for a debt collector to do. And it looks like a horrible pieced together email with the said amount. I get another call today at XXXX XXXX with the exact same man saying the exact same thing. I tell him I moved and if he can send the letter I never get to my new address and he gets annoyed with me claiming to have sent it multiple times and I explain to him that I never gotten a written letter because I havent. I asked why I never received anything if this debt was supposedly back in 2016 when I have health insurance, his response was Yeah well we only got it a year ago and thats the remaining balance, how do you want to pay it? Im sure anybody with a working brain wont pay anything without legit proof. Ive quite had it with this and I want this harassment to be over with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Atlanticus Services Corporation
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
Simply put they are falsifying my statements. They have altered it completely since I made my last complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX XXXXXXXX ACCOUNT. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER BECAUSE I'VE NEVER MADE A LATE PAYMENT TOWARDS THIS ACCOUNT. PLEASE ADJUST THE LATES ACCORDINGLY AND UPDATE MY REPORT. THANK YOU!

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 2018-04-23
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
FMS Solutions contacted my ex spouse in XX/XX/XXXX alleging a debt that we owed them from a previous apartment. My ex settled account for almost the amount owed as he needed it off his credit report immediately. I was a co-signer on that apartment and was pursued by FMS Solutions for alleged interest that accrued on that account and threatened with legal action. Court records indicate the judgement entered in this case was dismissed in XX/XX/XXXX for the apartment I allegedly owed. I do NOT have a signed contract with FMS solutions and do not owe them any money. FMS continues to check my credit as recently as XX/XX/XXXX, which shows up as hard inquiries on my credit report..damaging my credit history. FMS solutions should not be able to do this as I do not legally owe them any debt. They are currently out of the statute of limitations for collecting the debt IF the debt was valid. They are not registered with CFPB or state of maryland to collect debt and illegally reported the debt to my acct preventing me from past jobs and credit opportunities. Please rectify this situation immediately by barring my credit from being accessed by this company. Please stop letting them access my credit reports and personal information. I do NOT owe this company any debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have filed a fraud claim on XX/XX/XXXX and still have not heard back anything from Bank of America. I have called numerous times and trying to get this resolved. My account is missing over {$1400.00} and i still haven't receive my money back due to fraud. I need someone to address this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These are not my accounts

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 2019-11-10
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical debt that went into collections with MBA law collection agency. The balance was from XXXX XXXX XXXX hospital in Florida for the XXXX  of my son. I paid {$5000.00} in advance to my XXXX  for my XXXX   and XXXX. I then paid any additional statements I received from the hospital. I moved shortly after the XXXX of my son and never received any additional statements despite having my address changed with the post office. 
When I attempted to buy a car I checked my credit online and found a collection account from the hospital. I was denied a loan for a car due to this. The hospital never responded to my repeated requests for information and neither did my obstetrician. 
Defeated and fearing for the credit score I had worked so hard to obtain, I worked out a payment arrangement with the collection agency and have paid consistently and paid my agreed upon balance due over a six month period. 
I went online months later to check my credit score so I could try again to buy a car and found that MBA law has opened a second collections account for the same balance I have already paid off! They never removed the account I paid off and they also opened a fictitious account ( with the same original debtors information ) under their partner company ( XXXX  ). Now I have three separate accounts in collections for my one original debt that I was so excited to have finally paid off. I have not received response from MBA law,  XXXX or the original creditor when I tried to find out why they keep sending me to collections for the same original balance due. 
I even attempted to settle the amount with the hospital if they would only share with me the details of the debt. I have no reason to believe this is an accurate balance due, but they are affecting my means of transportation and therefore my ability to provide financially for my family. Here I am several months later still trying to find answers and I have come up empty handed and begging for rides from friends and family. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10
Company: HEAD MERCANTILE CO., INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX workmans comp. Went to ER. I had several medical bills that came in. XXXX  XXXX XXXX said they were working on them. One of the Bill 's was XXXX XXXX XXXX XXXX XXXX. I only got 1 bill from them so I thought that it was paid finally. Then in XX/XX/XXXX on my credit report was that amount but it was a different name " Head Mercantile ''. So I called from my credit report and tried to talk to them since this was a workmans comp bill but the man was rude, verbally threatening. He called me a liar about it being workmans comp. He would not help with information about the bill. Except keep telling me that he would do any and everything possible to get the money. 
XXXX XXXX  XXXX XXXX XXXX hired Head. I eventually found out " XXXX '' found out that it was workmans comp and not self pay. They filed with XXXX XXXX yet leaving Head after me for the bill. I have talked to " XXXXXXXX '' and have an updated bill but " Head '' will not accept the bill nor will they remove it from my credit. I'm attempting to buy a house but my credit scores have dropped because of the derogatory bill against me. I'm XXXX XXXX   XXXX veteran on limited income and this is what no one will help me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Company involved is Citi bank card with regards to their Advantage platinum select card ( XXXX ). There was an unidentified charge made to the card, however this specific card has never been received, activated, or used. The charge occurred on XX/XX/2020. The account was immediately closed although there had never been any activity on it before. The account was charged {$99.00} for an annual fee. The company linked the card to a different account that has a different card number ( XXXX ). 
My concern is that the card ending in ( XXXX ) was never received/activated/or used. I feel this is fraudulent behavior on part of the bank. I have written to the office of the President of Citi Bank/Card and still awaiting a response. In the meantime, my credit rating has dropped from XXXX to XXXX. I have ended up paying {$180.00} to resolve the issue, my concern is the drop in my credit rating due to inaccurate charges and my ongoing dispute with Citi Bank regarding this alleged credit card, which was once again never received or activated. I have reported this to XXXX/XXXX without resolution. Citi Bank refers the report to the previous credit cards ( XXXX ) which had been in good standing. 
In summary, I am concerned about the unacknowledged credit card and the drop in my credit score, in spite of paying the originally fee plus penalties, in total being {$180.00}. 
All my credit cards have been in good standing prior to this and I really feel I was manipulated and not dealt fairly by Citi Bank.

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 2023-04-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Summary : Chase Bank opened and removed the contents ( containing gold, jewelry, & family heirlooms ) of my active safety deposit box and sent it to unclaimed property without my notice. All my accounts are paid for and up to date. I have had a safety deposit box at the Chase Bank located at XXXX XXXX XXXX, XXXX CA XXXX for over 20 years and it was provided as a promotional box with my premier checking account. 

On XX/XX/23 I was sent an automatic payment notice with annual rent for my safety deposit box size XXXX due XX/XX/23. 

On XX/XX/23 I went to visit my safety deposit box and with the witness of 2 bank attendees XXXX XXXX XXXX and XXXX XXXX, I discovered box was empty. The Assistant Manager XXXX XXXX indicated that they had been audited and my contents were removed. She said my belongings were turned over to unclaimed property. She indicated there would be a claim process to recover my contents and I needed to provide an inventory list. 

On XX/XX/23 I returned to question why my box was moved without notification. I requested their records on the date they sent the notification, address, phone number they called, as all my info is up to date and I have an active account that I use frequently. XXXX said she was unable to provide me that. I asked for the auditing paperwork and history they had on my box and she said no, again not able to provide me anything. They did not admit mistake or wrongdoing. A police incident report was filed that day with XXXX XXXX and XXXX at the branch. I have also called the corporate office in which XXXX XXXX filed a complaint with executive management. 

Per the Safe Deposit Box Lease Agreement, the bank should not have had access to remove any contents of my active box and if they needed to relocate should have provided notice. They instead sent me my annual rent notice, to a box that had been drilled into and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Sunlan Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a writ of garnishment from XXXX wage garnisment for a collection debt from 2004. I have never received any documentation or notice to appear in court to be able to defend myself. The agency name is western state adjusters, llc on behalf of XXXX XXXX. I live in the state of California. The amount they are trying to collect is {$7200.00}. I never had a chance to petition my case or appear in court to defend my position. I never agreed to pay anything once the debt was charged off and appeared on my credit report for a period of 7 years or longer.

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 2019-11-10
Company: VANDERBILT MORTGAGE & FINANCE, 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: Investigation took more than 30 days

Complaint:
As of XX/XX/2019 and disputes handled through CFPB Vanderbilt Mortgage agreed to the deletion of my credit trade line with them due to ongoing innaccuracies being reported. 
As a result Vanderbilt has submitted a letter to all major credit bureaus regarding the deletion of this trade line. Since this time XXXX  continues to say the incorrect information has simply been updated and has failed to remove this trade line. Even after being provided a copy of the letter from Vanderbilt on several occasions. XXXX  explains that upon disputing this information the update info based on what Vanderbilt gives them. However Vanderbilt states they have not updated any information since providing the letter to delete trade line

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 2019-11-10
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: Problem with personal statement of dispute

Complaint:
MAY, REPORT UP TO 10 yrs. " UP TO '' is the wording stated in your review of credit reports, interpretation means, at ANY TIME, any disputed or stated item on a credit report can be removed at any time from initial report ( day one ) UP TO 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my ident ity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gav e you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2023-02-06
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have years with this account, and always have a auto-pay for 2 years when I log in into the account they said I have to pay XXXX. When my last purchased was 2 years ago of {$500.00}. I told they I need the statement, they said them dont have it. Then the company comenity bank has a problem with the sytem, so I cant log in for 3 months. They put the bill more and more big now I have to pay XXXX when I have 2 years without but anything and with a autopay

Company response to consumer: Closed with explanation