BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-20
Company: Possible Financial 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:
On XX/XX/XXXX I made contact with Possible Finance to ensure my final money order was received for payment. I was advised by XXXX that it was received. A few days later I get a notification that Possible Finance reported me to the bureaus as 60 days late. Mind you, I sent both payments on one money order for the total amount owed back in XXXX. Here we are late XXXX and nothing has been updated. Theyre illegally reporting me late, causing my credit score to drop in lieu of 100+ points for something that is not true. Ive reached out over 4 times, requested a supervisor no response. Reached out to a contact I was given from the CEO and then I finally got a supervisor. I advised her given the lack of urgency I would need this to be resolved by Friday XX/XX/XXXX. She never reached out to follow up or respond to my email on XX/XX/XXXX. XXXX the supervisor I got in touch with reached out XX/XX/XXXX and I allowed her 48 additional hours to research and resolve a very simple complaint, that has been nothing short of complex on my end. Possible Finance is illegally reporting consumers as delinquent and advising we need to wait for them to check the mail, update the records, and submit to the bureaus. This is a clear violation of the Fair Credit Reporting Act as nothing theyre sending is actually accurate, neither is it fair treatment to consumers. Ive waited way too long, and at this point Im not going to wait any longer. Their business practices are extremely unethical. Their response times are entirely too delayed. They do not have a phone number for consumers to make contact with. Therefore we are stuck being bounced back and forth between their super delayed email responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Conduent Incorporated
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2020 my child support card ( njeppicard ) was locked, which I assumed for suspicious activity. I tried calling the # on the back of the card at least 10x a day and never got an answer, I would press 1 for  English 2 for XXXX and tried pressing 0, anything to get an answer and it didn't work. Finally I read somewhere to not press anything and wait for operator to finish speaking and this way I was able to get a hold of someone. However they could not help me and had to transfer me to Fraud Department, which DOES NOT answer the phone. I call at least 4x a day and ask to be helped by anyone and they say only fraud dept. can help me, I've spoken to a " manager '' and still nothing. So here I am unable to get my money for my child. NJ EPPI CARD sucks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: EQUIFAX, INC.
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:
They are reporting medical bills from XXXX twice on my credit report making it appear as if i have 4 extra derogatory remarks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: John C. Heath, Attorney at Law, PLLC
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been paying them XXXX a month for two years. In that time several items that are on my report would go off then only to return after time back onto the report. Last month a new unrecognized creditor placed a collection on my report so they began the validation process and only to have them completly droped the ball on the solution when this particular creditor summoned me to court. They claimed they could do nothing and I would need to hire a lawyer. They did nothing.

They also give no real advice or solutions for credit repair. My score on XXXX is lower now than two years ago when I began with them. What is their service for if it isnt a permanent solution. I even followed directions and opened a few new credit lines as guided by the-different reporting agencies to boosts my score and only to have a debt collector threaten me and follow me and place a debt I knew nothing about on my report. I now know its from an old credit card. Why would they advertise that they can get things removed from your report if they only come right back on shortly thereafter and they refuse to do anything as they know there is nothing they can do in the first place. Its only a band aide. Why not tell the truth in beginning and I wouldnt have spent all that money for two years for nothing really.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To Whom It May Concern:I have a lease account for a XXXX XXXX  XXXX XXXX XXXX  with Chase Bank. My lease payment increased by $XXXX due to a state tax rate increase. Unfortunately, this increase was not reflected on my autopay so my automatic payment did not reflect the new amount due. This resulted in a late payment being reported to the credit bureaus. This mark lowered my score by over 100 points and has severely impacted my ability to obtain credit with Chase or any other lenders for my personal and business matters.The monthly payment is over $1,200 and I have paid on time every month for over 2 years. This has been setup on Chase's autopay and I believed that the autopay operated in the same fashion as my other accounts (gas, electric, phone, etc) where the auto payment amount would pay the amount due. I regret that this has happened and it was certainly not due to my inability to pay.I sent this information to Chase and they have acknowledged the confusing nature of their autopayment system but have refused to remove the derogatory mark on my credit report. I am hoping that you can assist me with this matter.Thank you in advance for your consideration. Please let me know if I can provide any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: CONTRACT CALLERS INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked to file a claim and contact the utility company that charged me {$240.00} for a month that I wasnt even living in the residence and it was the highest amount theyve ever charged. The meter was projected for use not actually read. ( XXXX XXXX XXXX. ) Im filing a claim with the FTC against XXXX XXXX XXXX, but I was told the debt collection company, Contract Callers Inc would report back with my claim before anything went on my credit report. 

That did not happen. 

{$240.00} has brought my credit report down to the mid 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 2018-09-07
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had a loan with Conns Credit Corp that slipped into collections back in 2017. I want to resolve the outstanding balance, but Conns Credit is stating that my owed balance is {$6600.00}. I believe the remaining balance of the loan is actually closer to {$3000.00}. That's what my pay-off was when the loan defaulted. I have repeatedly asked Conns Credit for a detailed account history, documenting why they are asking for {$3000.00} more than what I actually owed. They have not supplied me with the documents I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: AmeriCollect
State: CO
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:
XX/XX/2017 my son was taken to the XXXX XXXX In XXXX XXXX, XXXX. They made me take him in an ambulance to another one which wasnt necessary ( he has a XXXX disorder and always has XXXX XXXX XXXX ) both ERs accepted his out of state XXXX XXXX ( we were visiting family in XXXX ) he has XXXX medicaid because we reside and have resided in XXXX for years. They accepted his XXXX and didnt state there was an issue. XXXX 100 percent stated they would pay the bill. They are reporting it to collections and XXXX   refuses to remove the collections which has been detrimental to my credit score for years, even though it is against federal law to bill a XXXX patient for cash. They have to submit it to XXXX to be paid. I have reached out to them on numerous occasions. And the bill is still detrimental to my score and they are not removing both bills even after verification of XXXX like they asked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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:
Both of these accounts are listed on my credit that do not belong to me. 


XXXX. XXXX XXXX # XXXX Date opened XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/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 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There 2 XXXX XXXX accounts in charge-off status on my credit reports that are fraudulent and I have no knowledge of at all. The first XXXX XXXX account was opened XX/XX/XXXX, showing a {$300.00} credit limit, with a balance of {$450.00}. The 2nd XXXX XXXX account was opened XX/XX/XXXX, showing a {$500.00} credit limit with a balance of {$710.00}. Also, there is a fraudulent XXXX account that was opened XX/XX/XXXX, showing a {$500.00} credit limit. These are all fraudulent accounts in my name. Ive disputed with the companies previously.

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 2023-05-29
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
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:
The company in question, ( America First Credit Union ), has yet as of, XX/XX/2023, to change status of a paid off auto loan from account charged off to paid in full. The account was paid off, directly inside the companies own branch, on the date of XX/XX/2023 at XXXX. I tried multiple attempts disputing this account on multiple credit reporting agencies and they have failed to investigate said debt even with receipt evidence showing this debt has been paid AND title being in hand. AFCU has been failing for nearly a month to correctly report this account as paid in full to credit reporting bureaus and even with receipt/title in hand is unwilling to update information regarding said account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: AMA Advisors, LLC.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Home Bridge is reporting a 30 day late to my credit report. They have admitted that they were wrong in charging me this late fee and sent me a letter saying that they would refund the late fee that I was charged. That was back in XXXX and they still have yet to send me the refund. 

Furthermore they can not say that they will send a refund for the late payment and continue to post a 30 day late to my reports. This company is terrible to work with and I have been trying to be routed to the correct person to fix this since it happen back in XXXX of this year. They are damaging me by report this loan inaccurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-06
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA
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:
I did a retirement roll over IRA from XXXX XXXX bank to First Citizens Bank in XXXX 2021 in XXXX Va.. Transferring appx. {$53000.00}. I noticed the first of XXXX that the account had only been change by a appx. a dollar or so a month. I called the bank to ask when earnings or any changes were posted t the account. I was informed that the sales agent was no longer with the bank ( XXXX XXXX ). At that time I spoke to XXXX XXXX who took over for XXXX XXXX. She asked me to meet her at the local bank on XXXX XXXX XXXX even though the bank was closed for the holiday. She told me my account was overlooked and nothing had been done. The stock had never been purchased. She said it had been reported and all necessary paperwork had been filed. I later askked for a copy of all paperwork and a copy of any correspondence. The only thing I have got in writing is a letter saying they are aware of my concern and they are working on it. It has now been almost 2 months since I discovered this and nothing has been done.Thank you I feel that it is time for me to notify you and any other Dept that may be able to help me. Please let me know what you can do to help me. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Experian Information Solutions Inc.
State: LA
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:
Experian reported my XXXX XXXX XXXX account as closed and included in bankruptcy, this is incorrect. It's an open account in good standing since XX/XX/XXXX. It lowered my score over 30 points. I've called several times with no help or resolution. I've tried contacting capital one auto also with no help from them either. XXXX XXXX Credit Card was included in my bankruptcy and now is a collection with XXXX XXXX XXXX, that's what I was disputing. They've now reported my bankruptcy wrong also, I never disputed that but it was discharged in XXXX and now they are showing it open. They keep disputing accounts I'm not opening disputes on and messing up my credit report. I'm trying to buy a house and this is messing everything up.

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 2023-05-29
Company: EQUIFAX, INC.
State: AL
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 2019-08-16
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:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. I GOT A POLICE REPORT AND SENT IT TO EQUIFX SEVERAL TIMES BUT THEY REFUSE TO REMOVE THE FRAUD ACCOUNT AND ADDRESS. IT HAS BEEN MONTHS THAT I HAVE BEEN ARGUING WITH THEM TO TAKE CARE IF THE FRAUD INFORMATION ON MY CREDIT REPORTAND BY FCRA 805B THEY ARE OBLIGATED TO BLOCK/REMOVE ACCOUNTS/INFORMATION IF IT IS PROVIDED WITH A VALID POLICE REPORT WITHIN 4 BUSINESS DAYS. I DO NOT KNOW WHY EQUIFAX IS NOT REMOVING THE FRAUD ACCOUNT AND ADDRESS THAT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: KY
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:
NOTICE OF DEFUALT THIS COMAPNY HAS NOT REPSONDED TO MY CORRESPODENTS CONCERING MY CONSUMER RIGHTS BEING VIOLATED. 
THIS COMPANY HAS IGNORED THEIR DUTY TO PAY CONSUMER FOR ALL CONSUMER VIOLATIONS PURSUANT TO FCRA. 
THIS COMAPNY CONTINUES TO WILLFULLY WITH NELGIENCE HINDER MY LIFE BY NOT FOLLWING CONSUMERS DEMAND FOR THE VIOLATIONS THAT HINDERD MY LIFE AND WELL BEING. THIS IS BECOMING A STRESSFUL SITUATION WHEN IT SHOULDNT BE. MY XXXX XXXX AS A XXXX  SHOULD NOT BE AFFECTED BY VIOLATING COMAPNIES.

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 2022-02-10
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX 2020

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 2023-05-29
Company: Figure Technologies, Inc
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for and were approved for a HELOC through Figure Lending in XXXX. When we originally applied after refinancing our home our home was appraised at $ XXXX last year. When we went to make our first draw on our HELOC for only $ XXXX on XX/XX/XXXX we were denied the draw from Figure Lending stating that our home was valued significantly less than the original valuation. The original denial letter did not include the amount it was appraised at, how it was appraised, or an appeal process. After following up with Figure they disclosed the appraised amount was from a third party XXXX and there are no comparables or appeals with the XXXX. The XXXX valuation from XX/XX/XXXX was {$740000.00}. Our home mortgage is currently only $ XXXX. With that valuation that is still nearly $ XXXX over what we owe on our mortgage, or nearly $ XXXX in equity. Our original HELOC was for $ XXXX, there would still be an additional $ XXXX in equity not included. Our options we were told were to cancel the HELOC and find another lender- which we did explore. The problem with this option is we would pay additional fees to Figure for money we never had access to, wait for the lein to pass to apply for a new HELOC with another lender, and be subject to 5-7 weeks of additional processing time and paperwork that we have already completed. Or to wait 60 days and there is no gaurantee we can access the money Figure had agreed to finance us for. 

We believe this black hole of the XXXX, as well as the process to deny us access to a HELOC that we were originally approved for, is suspicious and they collected fees from us during the application process. The platform of the business seems unfair and lacks transparency, as well seems to be against fair lending practices.

Company response to consumer: Closed with explanation