BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-24
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Their pitch : " We Guarantee You're Going To Love It! Samples are great, but we're happy to go a step further. Our first-time customers have the opportunity to inspect our product up close and personal with zero obligation to purchase. '' XXXX XXXX XXXX solicited me about a commemorative plaque. It was sent as a courtesy review, I was traveling and never opened it. I was not interested but it was already delivered. I called to decline and was told I had it over the preview time frame and they demanded payment or I would be sued. I was disturbed by their aggressive behavior and the need to make me feel obligated for a service I did not request. I asked if they would order a return label via XXXX XXXX and they refused with the continued mantra of demanding payment, first with a deep discount and trying to negotiate a lower rate. I was not interested and was clear about my decision to reject the item. 

Then sent an invoice for the full amount. Soon after the letters from XXXX XXXX XXXX, came the calls and correspondence from Transworld Systems. I attached a letter dated XX/XX/2019, outlining the events and the proof that the product was returned unopened. 

It seems that XXXX XXXX XXXX uses bait and switch tactics to force a sell. I am appalled since the target seems to be women business owners who are recognized for awards. I would never do business with a company who forces products and services on anyone. I found the unprofessional, unethical and aggressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
As a victim of identity theft I have been unable to get things removed from credit report because the companies involved still try to say it is my account. When it is not. VICTIM OF IDENTITY THEFT

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 2018-01-10
Company: Byrider Franchising, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Is account was for my spouse and we are now divorced. I already has XXXX, look into the account and removed it from my name. I do not have possesion of this vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have tried sending money to my wife 's bank account as I do every month with success. This month it gave me an error, as it is through XXXX, it should be fast transaction. But instead there was an error and the payment was cancelled. I did the transfer one more time, just in case it was just my phone. That one was cancelled too. Instead of giving me back the money or sending it to my wife 's account, the money is just missing. 

Well, I have called Ally bank every other day to report it but they refuse to make a claim or report it. They want me to wait a few days to see if the funds get returned to me. Well it's been past the allotted time they told me to wait and now they want me to wait for another 14 business days. 

I don't have the funds not does my wife. I dont understand why it is taking so long to get back to me, after all, Ally bank never sent out the transfer.

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 2017-10-10
Company: Experian Information Solutions Inc.
State: IL
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 have been trying to deal with Experian going on 54 days where I have called MULTIPLE times and have been left holding for up to XXXX hours and XXXX mins and then the phone just hangs up or in situations where I am currently on hold as I am writing this complaint once I reach someone they say they are going to transfer me to the right department and then I am left on hold again. I am currently speaking to XXXX XXXX ID # ) who indicated : that they have the FTC complaints and police report, yet they do n't have the information from XXXX Bank and that she would try to get them on the phone. Now seeing as it took me almost 3 months to get them to provide the information correctly its not a surprise that capital bank now has no records of the form that was sent to me on their letterhead indicating that they were as a system error. So Experian is trying to make it seem as though they have done their job which they have n't The issue is that I have not only mailed, faxed and uploaded the documentation showing that the collection account on my report is fraudulent and should be deleted/removed but also there is a revolving credit account XXXX capital bank ) that has ( XXXX ) XXXX late indicators present that should based on documentation sent to their office. Yet after 30 days the information was not corrected, I resubmitted the documentation a total of 3 times and we are approaching 60 days more than double the required timeframe under the FCRA and yet my report still has the inaccurate information present. I have spoken to various reps and supervisors that have indicated the documentation I sent was being reviewed and that the accounts would be updated. Yet here we are and it still has n't been corrected. This will be the last attempt before I file suit against Experian for FCRA violations and seek damages, as I am currently suing XXXX for not only the security breach but the same issue.

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 2022-08-11
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: Information belongs to someone else

Complaint:
HELLO, EARLIER THIS YEAR WHILE CHECKING MY CREDIT I NOTICED A BUNCH OF RANDOM ACCOUNTS ON MY PROFILE, NEVER APPLIED OR EVEN HEARD OF THESE COMPANIES. I DISPUTED WITH THE COMPANIES AS WELL AS THE CREDIT BUREAUS. MY PURSE WAS STOLEN RECENTLY SO I CHECKED MY CREDIT AGAIN, JUST TO FIND THAT THEY ARE STILL REPORTING EVEN AFTER DISPUTING AND PLACING A FRAUD ALERT AND EVEN MORE ACCOUNTS APPEARED. THIS IS VERY FRUSTRATING. I CANT EVEN GET AN APARTMENT TO LIVE FOR ME AND MY XXXX PLEASE PLEASE HAVE THESE ITEMS REMOVED IMMIDIATELY FROM MY REPORTS THEY ARE FRAUDULENT!

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 2019-04-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Information was incorrectly reported concerning a late monthly payment on a Mortgage, documentation from the mortgage company stating that month was paid on time was provided, mortgage company provided evidence it re-reported correct information, yet I had extreme difficulty opening a dispute, and once the mortgage company resolved the issue 4 MONTHS LATER, I continue to have difficulty cancelling the dispute. This complacency and apathy on the part of Equifax is jeopardizing home refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Experian Information Solutions Inc.
State: PA
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:
In XX/XX/2016 i went to apply for a mortgage and i discovered that i was a victim of Identity theft. I immediately filed a police report and fraud affidavit and sent copies to all 3 credit bureaus. All the accounts were removed from my credit reports. A few months ago i checked my Experian report and found out that XXXX XXXX XXXX had put the account back on only my Experian credit report. It is not back on XXXX or XXXX I never received any letters from them or Experian letting me know that the account was going to be re-inserted on my credit or the reason why it was added. ( violation of the FCRA ). I have sent 2 dispute  letters to Experian and some how they continue to " verify '' the account is accurate. I am done dealing with these agencies and their illegal activities. This account needs to be removed immediately or i am filing a lawsuit.

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 2019-07-24
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I sent a letter to Citi Bank ( XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Citi Bank to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX  & XXXX as of 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 explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have contact Equifax and have informed you that I am a victim of identity theft and that XXXX XXXX   in the amount of {$640.00} account is a result of identity theft YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE YOUR CREDIT REPORTING COMPANY. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before. I have never dealt with this company or the company XXXX that they represent. There is no contract bearing my signature and XXXX has never contacted me regarding this fraudulent account either. So if they never contacted me how could I inform them that the account is indeed not mine. After contacting both companies neither can provide legal binding contracts so how in the heck are they reporting this fraud account to you and you are verifying. What exactly are you looking at Equifax to verify this account because there is definitely no contract bearing my signature with any agreement with XXXX or XXXX. Please remove this account immediately. Not only that I have informed you also that this account could be a result of identity theft therefore you are not following the law by leaving this on my credit file a deletion is needed until a full investigation is properly done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am one of the consumers who 's data was breached from Equifax according to their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My friend who banks with XXXX XXXX Accidentally sent me money thru XXXX CHECKING ) She sent me her rent money in the amount {$500.00}, My account was in the negative. I submitted a claim so they can return her money and she even attempted thru her bank and they refused to return the money to her account. I am beyond disappointed with CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
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: Information belongs to someone else

Complaint:
Incorrect data from XXXX XXXX is on my Experian credit report as a Potentially Negative item. ALL the XXXX information should be deleted because I have NEVER DONE ANY BUSINESS with XXXX XXXX. Here are some facts ... 

A. XXXX could NOT FIND ANY history regarding ANY account for me UNTIL WE FURNISHED IT TO THEM during a dispute call. During that conference call, Experians Dispute Center employee had to provide XXXX with an account number ( XXXX ) since XXXX could NOT find one in their system. XXXX now uses that account number ( the one provided by Experian ). Note : this is verified by notes in the Experian Dispute Center. 

B. XXXX could NOT find ANY OTHER account number in their system ( related to me ). 

C. During the conference call including Experians Dispute Center, XXXX asked me for personal data including my name, address, my Social Security Number, current phone number, and specifically asked if I had lived at various addresses. XXXX XXXX  could NOT FIND ANY RECORD of me in their system. 

During that conference call, when XXXX admitted they could not find any record of me in their system, Experian Dispute Center asked XXXX if they would authorize removal of the information since it could not be verified. XXXX stated they, " could NOT remove any data unless they first found the account and verified that it was a mistake '' ( seriously ). 

D. XXXX now has my personal data in their file since we furnished my personal data to them while they were trying to locate the file ( See Item C ). 

E. I have NEVER LIVED at the following address Frontier is questioning XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX ( The XXXX XXXX XXXX XXXX verified this was NOT a residential address. ) F. I have NEVER done any business with XXXX XXXX. 

G. There is NO mention of XXXX XXXX on my XXXX or XXXX credit reports. 

H. This situation has been disputed three ( 3 ) times through Experian but NO changes have resulted. The Experian credit report continues to be incorrect by including the XXXX XXXX information ( see image below ). 

I. Due to a lifestyle change, since XXXX 2003, I have  had NO utility costs ( including landline telephone, electric, water, sewage ) and NO cellphone costs. 

H. I have now spent over nine ( 9 ) hours, during four calls over a four-month period, on the phone with Experian and XXXX XXXX. The result of one call was that Experian suggested that I hire an attorney.

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 2018-01-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was trying to add a newly issued Chase credit card to my existing online account. I called Chase customer service to request their assistance. They made two attempts to send me a verification code via text, both of which failed. The rep then transferred me over to a member of their security team for alternative verification. He proceeded to ask me questions to which I responded correctly. He then started to ask me questions about my sister. I confirmed the name of my sister, which is straightforward enough. He then asked me for her birthday, at which point I refused and questioned the legality of him asking questions about an individual who had not given her consent during the conversation. I said I would not answer the questions. He threatened to put my account on hold. 

I then recalled that my provider XXXX occasionally blocks these kinds of text messages. I called XXXX and sure enough, they had to change some settings on my account to let the messages through. 

Upon calling Chase, I was immediately transferred to the Fraud Department because the security guy had indeed blocked my account. Because I was now able to verify with the text code, my account hold was removed. I then asked again about the legality of being asked questions about my sister and was not given a satisfactory answer. 

I do not see how it can be legal for any financial institution to ask questions about and individual not present during the conversation and therefore unable to give consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I was contacted by Caliber Home Loans to refinance, the only product offered was a FHA streamline refi. After having a third party review the closing docs, I come to find out that this was not the best option for me. The agent failed to explore all the refinancing options available to me. Since this process lacks an appraisal and it wasn't done I was placed back on a FHA loan when I could of saved more money by going conventional. Contacted the company and the manager agreed that Conversation could of been a better option but offered no way to remediate the companies lack of guiding me in the right direction. Not being presented with all the options has cost me about XXXX in the back end of the loan and about XXXX dollars more a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my report and I'm unfamiliar with these accounts. 
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 2018-01-18
Company: Byrider Franchising, LLC
State: VA
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:
VOLUNTARY REPO OF A CAR BY XXXX. They falsely state their terms of their loan. They sold the car for {$700.00} and want me to pay almost {$10000.00}. XXXX and XXXX XXXX has deleted from my credit report but it still remains on XXXX. They are also in violation of the arbitration clause.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Servis One, Inc., Titusville, PA Branch
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX to XXXX XXXX ( with out my being notified ) sometime around XXXX XXXX. I went to pay my payment in XXXX with XXXX and it showed my loan had been paid off. When I contacted XXXX they said it was sold to XXXX and that they had sent me a notice ( which they did not ). I then called XXXX and they said they could not find my loan. I was on the phone for over 2 hours with them trying to find my loan. They finally were able to give me a loan number and told me to pay the payment online. When I went online and made the payment I noticed they did not have my insurance information which I had given to them previously. I called back and gave them the homeowners information again. I was then sent a notice by my Home Owners Insurance Company stating my insurance was going to be cancelled due to non payment. I called XXXX XXXX again and was on hold again ... I finally spoke with a Manager XXXX XXXX and was told the check would be mailed out immediately. Today I had to pay the Home Owners Insurance myself out of my pocket as the check has still not been sent. I also went online again today and the Home Owners Insurance is still not listed. The loan was transferred without my notification and the transfer has now cost me over {$1500.00} due to my having to pay the Home Owners Insurance Policy myself. 
I received the Welcome Package on the XX/XX/XXXX ( I have included the package although it is dated the XX/XX/XXXX) ... I also received an escrow analysis from XXXX on the XX/XX/XXXX ... it is also dated the XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Inquiry from XX/XX/XXXXand XXXX XXXX  Inquiry from XX/XX/XXXX. I had reported int to XXXX  and Equifax, because somebody put it on my credit report. 
Also I had a derrogatorry mark from XXXX Opened XX/XX/XXXXthat I had paid in full, and I reported it to Equifax, and they didn`t tooked out of my credit, even I hd paid it in full. I had called them many times, but they hold it in my account. 

Also, I would like to report that I paid my student XXXX in full and still my credit said that I have a debit for {$3200.00}. nd that is from the 3 boreau credit!

Company response to consumer: Closed with explanation