BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-04
Company: Experian Information Solutions Inc.
State: MS
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've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with o {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I've contacted the police locally and FTC. These items need to be deleted from my credit report : Ch XXXX Bankruptcy, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX, XXXX acct XXXX XXXX  and XXXX  acct XXXX on XXXX, XXXX, and 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 2020-05-06
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX is reporting a collections account to my credit file that has nothing to do with me. The date of birth connected to this collections account is XX/XX/XXXX and my date of birth is XX/XX/XXXX. I have contacted XXXX XXXX XXXX on numerous occasions to have this resolved to no avail. I spoke with extension XXXX XXXX XXXX XXXX and she assured me that this would be removed and to date it havent been 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 non-monetary relief
Consumer complaint received 2019-01-08
Company: Opportunity Financial, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681g,  Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in my credit report.

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 2021-06-09
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was hospitalized for about 30 days pretty much within the XXXX during this time my account in American Express card was compromised I have sense upon being released from the hospital contact American Express Serve filed a report with in and filled out all the paperwork they requested as well as submitted additional paperwork like my medical records showing While the charges were made I was in the hospital they don't generally have shopping available there. I also file with them my identity theft report with the report number pray for them to look and see that I've also filed a case I with told my claim is denied on the 10th day as I assumed they would because that way they don't have to pay out a provisional credit and then I asked them to reopen it that they did not reopen it and I got a hold of the corporate Executive offices they have this points said they would look into it but they were American Express and American Express Serve its kind of different but day to talk to the manager give me that was odd because that's the office of the vice president of the company don't know how he wouldn't have some sort of influence her stay and them really investigating into this and just looking to see medical records show I was unavailable to make these purchases a I'm aware of who dead and I have tried to file a police report I was told that it was a family court matter because the person living in the house and being under 18 these matters are settled in Family Court not generally a criminal court where it's different I was told I don't know I talked to a lawyer I talked to a couple police officer and then I talked to the city prosecutor and they told me that's the way I would have to address it. he also took my phone which brings me to their first reason why they're claiming they're denying the claim my cell phone has nXXXX as well as XXXX XXXX I store all my logon information I store all my PIN numbers I store all of my debit card numbers in that in there to use them for automatic payment and just in case I need a digital copy somewhere and he was able to get into my phone because when the XXXX smart watches by the XXXX phone if the features already turned on it unlocks the phone give him full access but that's not my fault I press charges tried to and I'm doing it to family court I have filed a identity theft report I have in an orderly And Timely fashion provided all records requested and additional ones to support my claim that show that this was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Experian Information Solutions 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:
There are many mistakes appear in my report without my understanding.

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 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX, we applied for a loan with Wachovia ( now Wells Fargo ) for a second mortgage. We entered into a contract on XX/XX/XXXX for a line of credit, in the sum of up to {$100000.00}. The contract consisted of a closing on the same date and we were advised that flood insurance was not required. We are informed and believed that the bank had an erroneous Flood Determination but in fact our house was in a Special Flood Zone Area. In addition, the mortgage claims a lien on XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX THE CITY OF XXXX, XXXX COUNTY, NORTH CAROLINA RECORDED IN XXXX XXXX XXXX, PAGE 17 when in fact our lot is XXXX, XXXX XXXX, XXXX XXXX XXXX, in XXXX XXXX XXXX, Page 17 and that lot XXXX is clearly not in a Special Flood Zone Area. This error clearly made the bank fail to comply with the National Flood Insurance Reform Act of 1994. 
In addition, and coincidentally, at approximately the same time we received notice from XXXX XXXX XXXX that our lot was no longer in a Flood Zone and that we did not need Flood Insurance. We  believe that the error regarding the lot number and because of communication between the first and second mortgage holders regarding the erroneous lot and flood insurance requirement, {$170000.00} worth of Flood Insurance expired. 
On XX/XX/XXXX, Hurricane Florence flooded our home up to the roof. The home remained under water for about a week due to the waters receding slowly and according to the DCMS Loss Verification Report by the Small Business Administration, the  home is irreparable based on depth and duration of flooding. Attached is all the supporting documentation.

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 monetary relief
Consumer complaint received 2020-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is inaccurate information that keeps getting " verified '' by equifax. Portfolio Recovery is reporting negatively and its paralyzing me from moving. Portfolio has told me they removed this account on XX/XX/XXXX but it still remains. Its removed off of XXXX. They told me 60 days which makes no sense and damages are still occuring. 

I called XXXX  to mail them the letter of proof from portfolio but the unprofessional foreign agent would not oblige. I shared with him im a XXXX veteran unable to send this document by mail and he told me thats it tough luck pretty much. 

This is not right! XXXX  HIRES THE CHEAPEST PEOPLE WHILE IT AFFECTS MY LIFE I NEED THE FAX NUMBER AND THESE ITEMS DELETED THIS IS AGAINST THE LAW!! 

Difficulty submitting a dispute or getting information about a dispute over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented a trailer from XXXX XXXX trailer park 3 years ago and when I moved in the trailer was in disrepair already. I lived there for approximately one year and during this time my trailer deteriorated to the point that my toilet was falling through the floor, my roof was severely leaking, there was raw sewage in my backyard and toxic mold in my A.C. The landlords, XXXX and XXXX XXXX then began to harass and stalk me. They parked their car outside my trailer and sat there for hours and when I went outside they mocked me because my husband had left me and they threatened me. I moved out of the trailer in XXXX of 2016 when I could no longer safely live there due to the condition of the trailer they refused to repair and due to the stalking and harassment from management. After I left, XXXX XXXX reported that I owed them for repairs and other various untrue charges totaling {$3400.00}. They used a debt collection agency called XXXX XXXX XXXX in XXXX, FL to attempt to collect this debt that I do not owe. I attempted to dispute this debt with XXXX XXXX XXXX but they said they are standing by their client and refused to remove the debt from my credit report. My family is now homeless and can not move into a place until this debt is removed from my credit report. XXXX XXXX is managed by slumlords and should be condemned. I have contacted the health department and will continue to pursue legal action against both XXXX XXXX and XXXX XXXX XXXX if this false debt is not removed from my credit report immediately. My family has a right to pain and suffering compensation that will include the full amount of time that they have attempted to ruin my credit and harrass me. I have video, picture and documented evidence of the deplorable conditions at XXXX XXXX and also witnesses who will testify on my behalf. This is my final attempt to resolve this matter before I take legal action against them. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Delta Management Associates, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is still attempting to collect a debt that was paid. They are still contacting, sending threating remarks through phone calls.

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 2019-10-04
Company: Netspend Corporation
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XX/XX/19 I have purchased a pre paid card from XXXX in XXXX Iowa. I put {$40.00} on the card at XXXX. I went to activate it and it wouldnt work so I call the helpline and tried it through a XXXX ( the employee ) she said she couldnt help me Im not eligible for the card. So I asked why and she couldnt tell me. So I asked for the Superviser and finally a male came on and told me I wasnt eligible Because I had a card previously With them and it had suspicious activities on it and that made me not eligible. So I asked how can they sell pre paid cards to the public if some are eligible and some arent. That doesnt make any sense. Thats what prepaid cards are for. The man told me there is nothing more they can do for me and I will receive a check in 7 to 10 business days..

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 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-09-13
Company: EQUIFAX, INC.
State: NJ
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:
XXXX/ XXXX/ Equifax, Were all notified in XXXX of my dispute with a particular collection account reporting on my credit file and did not provide me with physical proof this account belong to me or if its accurate ... 
As Law Requires by, FCRA. 

All bureaus just stated verified in monthly report. 

Finally, XXXX Equifax Removed this Collection but as of XX/XX/XXXX Equifax has indicated the account has begin to report to Equifax once again after being removed. 

Neither bureau has giving me method of verification as requested in XXXX which is my concern as I continue to address this matter nineteen months later. 

How was this account verified in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Law Offices of MBA has put a collection on my credit report from XXXX XXXX XXXX XXXX in XXXX of XXXX. I went to the emergency room in XXXX and my bill was paid in full with my insurance. I never received a single bill after I paid. I am in the XXXX  and have good insurance ( XXXX  ). There is no reason I should have a {$2300.00} collection when the hospital was in network, had my insurance, and I already paid the bill. I never even got anything in the mail regarding this collection, it just popped up on my credit report. I am unable to get anyone on the phone from either of these companies. If you look at XXXX reviews law office of mba, it is littered with people with the same complaints as myself. They are doing this to a lot of people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Automatic payments were set to go out every two weeks from my Arvest Bank ( XXXX ) account to a student loan account with the XXXX XXXX XXXX managed by XXXX XXXX. Payments were being made until the account was below a certain amount. Auto payments were stopped from Arvest Bank to the XXXX XXXX XXXX on or around XX/XX/2019 due to a lack of funds and Arvest continuing to send and then charging a insufficient account funds fee of {$17.00} on XX/XX/2019 and XX/XX/2019. Arvest advised me there was no way to not submit the payment if the account was below a certain threshold and auto pay would send the check or other means anyways even if the funds were not there. As such, auto pay was requested to be stopped so insufficient fund fees would stop. 

Shortly thereafter I started receiving phone calls from ( XXXX ) XXXX stating they were a payment company affiliated with Arvest and needed my credit card number to make the {$35.00} dollar payment since the last one had been returned. They had my name, phone number, and the amount of my last payment. I did not give them my credit card number and I then called Arvest Bank to ask about this. Arvest said they would investigate and I never heard anything back. I have blocked the ( XXXX ) XXXX number and that number is still attempting to call two to three times per day. The only way this company would have received my personal number and the payment amount is through Arvest Bank. 

On XX/XX/2019 I noticed that {$35.00} was taken from my Arvest account via ACH noting the following : XXXX XXXX XXXX RETRY PYMT. This was not authorized. I contacted Arvest bank and they told me there was no way to verify if an ACH request was authorized by the account holder or not and that I would need to pay a {$30.00} fee to stop the payment. In addition, this payment would have put the account into a negative balance and another {$17.00} insufficient fund fee would be applied by Arvest Bank if a new deposit was not made. 

Main complaints : - Arvest Bank financial practices to recoup revenue on unwarranted insufficient fund fees - Arvest Bank not verifying ACH requests are authorized ( acceptance on file, code sent, etc. ) - XXXX XXXX XXXX or their affiliate using unauthorized means to collect payments ( ACH request, phone calls, etc. ).

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 2019-10-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-09-18
Company: Experian Information Solutions Inc.
State: MN
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:
So a credit repair agency has been sending out letters on my behalf to these credit agencies and in XX/XX/2021 my score went down again 59 points all because those letters were sent out and these students loans are so old I dont know why they are still on credit report after I complained about them to this company and Im paying a credit repair agency. Why is it so hard to remove student loans over 8 to 10 years old. Why is my credit getting damaged so bad when all the credit repair agency did was send out letters? And just 2 days ago my score went down -48 points because I missed only my first payment on my credit builder card. I made all my payments on time with that card and the one time I didnt -48 points and I owe only {$67.00} on that card! That doesnt make any sense too me Im so XXXX angry!! Ive complained about this in XXXX to this complaint agency and now I have to do it again. My credit score was at XXXX before all of this now its under 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 2018-03-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an attempt to nickel & dime me, this has been a problem for years. No one will return my phone call when they find out what has happen. This was an apartment I had while l in the military I never stayed in the apartment I was getting ready to XXXX  the apartment was for my return. This is a cleaning fee for a clean apartment. Liars ; at the time they said they found dog XXXX that is a lie I never stayed in the apartment I was getting ready to XXXX  to XXXX. I was hurt during training so I had to stay with a friend to take care of me until I was discharged from the XXXX. I even met with the maintenance man he cleared me, laughed because he said, well this is the easiest inspection I have ever had. I never moved in, this is on my credit report for {$320.00} dollars its a con.

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 2019-10-04
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 tried to refinance my car today XX/XX/19 and I was told that I was unable to do so at this time because there are some accounts reflecting badly on my credit report. I took a look at the accounts and none of them are mine. I did not open any of these accounts I never allowed anyone to open them in my name or with my personal information. I don't know who these accounts belong to but I never benefitted anything from them being open in my name such as money, goods, services or any other benefit. I do not have any relationship/contract with any of these companies and I never authorized them to access my credit nor personal information. I have already filed a police report regarding these unauthorized accounts.

Company response to consumer: Closed with explanation