BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It has been fraud and theft on my credit reports, please provide a fraud alert to my accounts and require new inquiries to contact me before issuing new credit and remove all inquiries that over the last 24 months that didnt produce credit. My employer informed me that my identity was stolen and a false unemployment claim was created in my name. My identity was stolen in the past also and credit cards. I informed XXXX Police Department of the most recent theft today. Please remove remove XXXX XXXX  and XXXX XXXX MasterCard from my credit reports also. As a minority in this country I dont feel my identity is protected or credit profile correct. I will provide all information thats needed thank you. Im afraid of all the fraud, I have requested help in the past and havent received any relief and it continues to be a breach my identity.

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 2023-10-09
Company: American Credit Acceptance, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a vehicle from XXXX  XXXX, financed by American Credit Acceptance. I was told total would be XXXX including taxes and fees. I have paid around 32 payments equaling closer to {$16000.00} and I am being told I STILL owe over {$18000.00} the car is still in my possession but it seems I was setup for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I went to the ATM at XXXX XXXX and XXXX and deposited {$500.00}. I got a receipt for it. When I looked at my account online, I saw that the bank withdraw {$500.00} from my account instead of deposited the money. I immediately called the bank to report the error and they gave me a temporary credit that fixed the problem. Then, the deposit appeared and on XX/XX/XXXX, they took away the credit. The withdrawal was not removed so essentially they stole {$500.00} from my account. I called and they claimed that I had a withdrawal on XX/XX/23, which was the problem I reported in the first place. Their statement was they did their investigation and the case in close. They did not fix the problem to start and stole {$500.00} from my account. There insisted that I withdrew the money, which didn't happen. When I made a deposit, the machine rejected some notes and I reinserted the cash. And I have a receipt. I didn't not withdraw {$500.00} as they claimed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Accordance with the Fair credit reporting act this creditor Capital One has violated my rights under 15 USC 1681 section 602 states have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 Ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XX/XX/XXXX late payment XX/XX/XXXX late payment XX/XX/XXXX late payment XX/XX/XXXX late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Escrow Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX2021 I purchased a vehicle through XXXX XXXX  and funds were secured by Escrow.com. The seller told me there was nothing wrong with the vehicle and I could not get a mechanic out to inspect due to covid-19. On the XXXX of XXXX, 2021 after paying XXXX and XXXX to ship on the same day I had it inspected and found out the motor was going out and the axle was broken. As I contacted the police and did a report since the vehicle came from XXXX and demanded the seller come and get his vehicle. The seller kept saying he would have a tow truck come and get it but he had to have a broker to do so. I sent Escrow.Com General Manager XXXX documentation to support fraud including invoices from XXXX of the condition of the vehicle. Despite vehicle causing me financial hardship Escrow held my money and told me to send the vehicle back on my money ( normal policy without fraud ). Escrow told the seller he did not have to do anything due to 10 days he will be given my money. Because the seller kept telling Escrow he wanted his vehicle and may no effort and they had full knowledge the seller failed to disclose the true condition of the vehicle, he was given my XXXX and I am left with a vehicle that is hazardous.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: LA
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
bill was sent to collections first

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 2022-03-02
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting calls from argon debt collection to my phone. I have had the number for 6 years and this company has been told that the person they are looking for has not had this phone number for that long. The have said they would not call again but called me the very next week. The company is in XXXX XXXX Nevada. Their address is XXXX XXXX  XXXX XXXX # XXXX and they do not stop calling even when threatened with legal action. I try blocking the calls but they get through. Please advise me what to do about this Im not the person they are looking for and are too lazy to track him down

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 2021-05-20
Company: EQUIFAX, INC.
State: FL
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:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX  and XXXX credit report. My latest credit report shows 2 credit inquiry/inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 
Equifax mortgage service-inquiry on XXXX XXXX XXXX XXXX inquiry on XX/XX/2020 Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 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 ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent inquiries XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX date of inquiry ( XX/XX/XXXX ) XXXX XXXX  date of inquiry ( 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 2023-02-13
Company: Global Asset Agency, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I ( XXXX XXXX ) recently found a report on XXXX 2023 on my XXXX credit report., reported by GLOBAL ASSET AGENCY with an amount of {$2600.00} company number is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona. I do not recognize the company or the amount they are collecting for., or reporting for. I dispute amount owed or that I owe this company. I was never notified of any collection on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have two separate issues with my application for Public Service Loan Forgiveness ( PSLF ) that I have made Mohela aware of on several occasions, but neither has been resolved, and the application has been in " processing '' for many months. 

First, Mohela is erroneously saying that my employment is " not certified '' for all my loan payments between XX/XX/XXXX and XX/XX/XXXX, despite clear proof that I have been employed at the same 501 ( c ) ( 3 ) nonprofit organization since XXXX of XXXX. The attached individual payment summary shows the " Employment Not Certified '' status for all loans between XX/XX/XXXX and XX/XX/XXXX ( see pp. 9-15 ), while the attached Employment Certification Form ( from XX/XX/XXXX ) shows that I was employed continuously at the same organization between XXXX of XXXX and XX/XX/XXXX. I have brought this problem to Mohela 's attention multiple times by phone and written correspondence, and have waited many months for it to be resolved, but nothing has happened. 

Second, although I made monthly payments to XXXX throughout XXXX and XXXX on my consolidation loans ( see attached " XXXX XXXX Payment '' spreadsheet ), Mohela has not given me credit for any payments on these loans ( identified as " 1 DL Consolidation Unsubsidized '' and " 2 DL Consolidation Subsidized '' ) between XX/XX/XXXX and XX/XX/XXXX ( see individual payment summary pp. 63-69 ). Again, I have made Mohela aware of this issue, provided them with the relevant information, and have sent them the XXXX XXXX XXXX summary, but they have not resolved the issue despite many months of waiting. 

I am eligible for PSLF now and want to complain about Mohela 's inattention to these simple, easily resolvable issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: MD
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 have inquires listed on my credit report that are inaccurate and unfamiliar to me. Any inquiry NOT attached to a current account on my credit report should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Amsher Collection Services, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An amount for a {$300.00} delinquent account with XXXX XXXX XXXX XXXX appeared on my credit report ( XXXX, XXXX ). I have never had an account with XXXX or XXXX, and never received any written correspondence regarding the owed amount. 

I opened a dispute, which was upheld for XXXXXXXX XXXX Upon calling XXXX, no account was found associated with my name and information. When contacting XXXX by email, they will not disclose with me the account number or what it is regarding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Recovery Solutions Group, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I 've received multiple phone calls within the week, threatening me with undefined action and that they will be " actively pursuing '' me at my home and place of employment. They do not provide the name of their company, nor information regarding the " debt ''. 
They have called my sister and have left the same message on her home phone. 
The phone number is XXXX ( XXXX, FL ). A XXXX search shows that it might be a company called Recovery Solutions. The message also states that they can be contacted at " XXXX '', whatever that is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a complaint on Experian reporting the wrong amount of debt that I owe. In an attempt by Experian to appease me by only correcting the credit card debt from {$750.00} to {$55.00} dollars which is the correct amount. As of today I checked my Experian account and there is still a debt of {$120000.00} total. This is completely false also this information is coming from the Experian website. I want this information removed immediately this is fraudulant and damaging to my credit.

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 2021-01-25
Company: Collection Bureau of the Hudson Valley, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2020 cable box failed. XX/XX/2020 phone service only allowed outgoing calls. Repeated phone calls to address problems were dealt with hang-ups. Asked for technical assistance resulted in hang-ups. Ask to remove services, denied, could only upgrade or purchase pay-for-view. Ask to speak to supervisor or manager ended abruptly with hang-up. Asked to cancel all my services, no one had the authority to do so and ended with hang-up. Was told I could cancel services through website, that was incorrect. Website said would have to talk with customer representative and gave a phone number to call. That always ended with a quick hang-up. I had a months credit paid and no way to cancel service or fix services. They used up credit and continue to charge for services I didn't receive. Now they want defective cable box so I can't prove that I was without tv services but I have refused to return till issues are resolved. A registered letter with self return signature requested explaining problems and request to be reimbursed for the {$150.00} credit now has resulted in a collection agency threatening legal action unless debt of $ XXXX is paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Weird insufficient fund fees

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 2020-12-12
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Discover et al is failing to post payments made on the account weeks after they have posted cleared on my bank account. They are systematically doing so in order to charge additional fees. And Discover et al is falsely reporting derogatory information on my credit report as a result of their accounting practices. I contacted them regarding this problem and they removed the fee, but when I checked my account a few days later, they still had not posted the payment made nearly a month ago nor the one that was made in the past 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Affirm Holdings, Inc
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have been contacting both Affirm and XXXX about the defective fabric on a couch that was delivered in late XXXX. I kept on getting the run around on " no that's normal, it fades ( I live in XXXX, I get at the most XXXX minutes of sun and it's on the sofa ). I purchased the extra warranty which from what I understand doesn't do anything but bring a stranger into my home to look at it after I sent in several photos showing the issue. I have paid my loan on time and looking for a resolution. XXXX, who the couch is from is not helping either.

Company response to consumer: Closed with explanation