BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-12
Company: BOK FINANCIAL CORP
State: AZ
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 writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from XXXX, XXXX, and XXXX. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX   did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXXXXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two different checking accounts that I also had with XXXX XXXX XXXX and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reached out to the company and explained to them that I had moved out of residency well over a month until the bill was canceled I also had issues as far as mentally and as well as emotionally with the death of my grandfather and such as well they have record that on the date I moved out I had called to set up a payment plan but evidently not to cancel my bill I have expressed that I have written letter from the landlord stating I had moved out on the XX/XX/XXXX if I have written documentations from the apartment management stating I moved out on the XX/XX/XXXXXX/XX/XXXX2017 they should at least have the decency to retro act the bill for the times I was not living there essentially they are billing me for services that were never used do to the fact I was not living there at least if the company in my opinion and any class and any respect for the customers they would rectified the amount due but they don't want to do it because I supposedly did not cancel for another 1 to 2 months ...

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 2023-07-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I checked my credit report and this auto loan is on there, which I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: CMRE Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been trying to resolve this for months! On XXXX19, I contacted the original creditor who found that this billing was handled through my Medicaid benefit and was involved in litigation. The original creditor contacted the debt collector who had the item removed from my XXXX  credit report but refuses to remove it from my XXXX  credit report. The debt collector insists that they can not remove the debt no matter what proof I offer up. XXXX   has supposedly investigated this item twice and also refuses to review my disputes thoroughly to find this error and correct it! I have never received a bill for any of this as the bills were sent to Medicaid and my attorney. Additionally, my attorney has attempted to get this resolved through the original creditor as well as the debt collector. This should not have been reported to collections and debt collection should not have been pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
on XX/XX/XXXX there were charges made to my XXXX XXXX Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due until XX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from XXXX XXXX in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with XXXX XXXX and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a XXXX XXXX XXXX credit card charge off with the last activity date ofXX/XX/XXXX. Portfolio Recovery Associates, a junk debt collection company purchased this charge off in XXXX and have reaged it to reflect XXXX and XX/XX/XXXX instead ofXX/XX/XXXX. The following is listed on my credit reports : XXXX - Date Assigned (XX/XX/XXXX ) XXXX - Date Assigned (XX/XX/XXXX ) Portfolio attempted to sue me and I got an attorney and the lawsuit was dismissed, however, they continue to list the XXXX reaged account on my credit reports and respond to the credit bureaus that the dispute has been resolved. 

I am requesting that this XXXX reaged Portfolio Recovery Associates collection account that has been reporting on my XXXX and XXXX credit reports since XXXX to be removed/deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have Received a loan I applied To from Oportun. They have been harassing me and my family in regards to payment. I had Lost my job, my father passed away, my interest went up and it keeps going in even tho Im doing payments, I dont think Its fair that they are harrassimg me and my family when I am Trying to work things out. I am Being threatened that I will Go to jail or that they will sue me. I consider that as being illegal when I am Working with them in paying the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
on XX/XX/XXXX there were charges made to my XXXX XXXX Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due until XX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from XXXX XXXX in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with XX/XX/XXXX and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.

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 2019-03-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My roommate and I rented a home from XXXX XXXX XXXX in XXXX, GA. 
When we moved into the home there was very extensive damage. The house flooded on the entire first floor. It was covered in bugs and it was filthy and we were without water. They did not give us any options for housing at that time. They did finally start sending out repair workers, but they all seemed to have no idea what they were doing. One man was so out of it ( Im assuming he was on drugs ) he went into our pantry instead of exiting out of the front door where he came in. He also asked us for drugs. Of course, we told him he needed to leave. Again, XXXX XXXX XXXX did nothing to help us. They did get the water out of the house and for a little bit we thought it would be ok to inhabit, however, other problems started arising. We were seeing mold and could not get them to address the issue. My roommate decided she couldnt live there anymore and I did not want to break the lease, but I couldnt do it on my own. They refused to work with me. I tried to find another tenant and they made it so difficult. After my roommate moved out, I was in the kitchen one night while one of my kids was in the bath upstairs and all of a sudden water was pouring from the ceiling into the kitchen on my new table and chairs. It turned out to be the bathtub upstairs. I was afraid the tub was going to fall through the ceiling. I called and it took them quite a while to come out. A repair man did come and fix the leak and clean up what I could see of the water. However, my table was now ruined. After this, I was still trying to find a way to get out of the property. It didnt feel safe. Then, I finally tell them that I need to break my lease and they agree to let me and I gave them a move out date. A few days later, they put an eviction notice on my door. During my last week or so there, I saw more and more mold and sent pictures to them. No matter how many times I bleached it, the spots would not go away. They blew me off as usual. I confronted them about the eviction and wanted to know why they would do that after we came to an agreement and nobody could answer my questions. Once I moved out, I was never contacted about any fees owed. I changed my address with the post office, my number was the same, my email address was the same. Next thing I know, Im being contacted by a collection agency. Theyre trying to charge me eviction fees and these massive cleaning and repair fees of over {$7000.00}! When I left that home, it was completely spotless. Far more clean than when I arrived. It is absolutely fraudulent. I have been fighting with them for over 4 years now. I have photo and email evidence to back up all of my claims. I dont want this to happen to anyone else.

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 2019-02-24
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hospital XXXX and doctor care. This been take care by my insurance company therefore they need to stop call me late at night and harass me about this outstanding bill therefore it need to be removed off my credit report immediately and permanent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries.

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 2018-09-29
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:
I have tried unsuccessfully to submit my dispute of Identity Theft to the Credit Reporting Agencies. I have all of my supporting documents yet after two attempts at each I have not gotten the results the law according to the FCRA states.

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 2018-09-29
Company: EQUIFAX, 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:
I have tried unsuccessfully to submit my dispute of Identity Theft to the Credit Reporting Agencies. I have all of my supporting documents yet after two attempts at each I have not gotten the results the law according to the FCRA states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Name is XXXX XXXX and I had a Mortgage that was paid 13 years ago with a company called Select Portfolio Servicing old loan # XXXX Once a mortgage is paid off, the company had a duty and obligation to record the mortgage as satisfied with the county. About 3 months ago, it was discovered that the company did not properly record the satisfaction of mortgage with the county. Select Portfolio Servicing Inc recorded the satisfaction with the wrong instrument number, therefore not acceptable to the current title company to issue title. I was delayed from conducting the real estate transaction for the last 60 days. The new title company pulled a copy of the original mortgage and the satisfaction instrument and it was clearly recorded incorrectly. All was presented in a nice clean file to the Select Portfolio Servicing Inc 80 days ago. To this day, there is no resolution on this case. When you call in, you have to explain yourself over and over again. I just get the run around. I made 47 phone calls and have spent over 6 hours on the phone. They keep on blaming this issue on their reconveyance department. I need to sell this house ASAP. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I wrote Transunion, XXXX and XXXX  in XX/XX/XXXX and XX/XX/XXXX about an account that has been on my credit report from XX/XX/XXXXfor an amount of {$1700.00}, this account has an account status as closed and it is now 21 years since this account has been there and I was not aware of this account until recently when I tried to get my credit report and it was pointed out to me.

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 2021-03-26
Company: AXOS FINANCIAL, INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have asked Axos invest to close my investment account and transfer funds to my checking account at XXXX. Despite the promise that it will be done in 5-7 business days, even after ~ 15 days 10+ business days the amount wasn't transferred even after repeated email causing me financial issue which I wanted t o avoid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: NY
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:
XXXX for years has blocked access to the federally guaranteed free annual report unless you provide a phone number and email, conditions that are inconsistent with the law guaranteeing access. Now Equifax is doing the same, and the website that hosts the free reporting has a button to lodge complaints but they call them " comments '' and my repeated comments have resulted in no action. Everyone 's answer is " you can get your report by mail '' but the Fair Credit Reporting Act does NOT say consumers have a right to a report online IF they disclose phone numbers and email addresses and so there is no question that XXXX and Equifax are flagrantly violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a notice in my email yesterday about my credit score went down due to an application for a credit card that I never applied for it was on Saturday XX/XX/2022 I was at work at the time of this application

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XXXX I received a Home Depot bill reflecting charges of XXXX which I did not make or authorize anyone else to make. I contacted Home Depot on XXXX, spoke to XXXX, employee ID XXXX and told him the charges were fradulent. He said I would receive an affidavit within 7 to 10 business days. I never received the affidavit. 
I filed an online incident report with Fresno County Sherrif office. 
On XXXX I received another Home Depot bill reflecting additional new charges that totalled XXXX. I contacted Home Depot again and spoke to XXXX, employee ID XXXX. I told him I did not make or authorize anyone else to make these additional charges and had not received an affidavit. He said he would send a new affidavit in 7 to 10 business days. I never received the second affidavit. 
On XXXX I received a letter from Home Depot stating that I was responsible for all the charges. I contacted XXXX, a company that assists people who have sustained identity theft. This company was hired by my previous employer because they had a data security breach. 
Together XXXX and I contacted Home Depot ( CITI Bank XXXX spoke to XXXX, employee ID XXXX and explained the situation to her. She said she would transition the fradulent charges to a fraud account, send an affidavit and I should receive it within 7 to 10 business days. I never received the third affidavit. 
On XXXX I contacted XXXX who advised me to file a complaint with CFPB. I do not have access to a scanner to scan all documents. I would like the opportunity to include more 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