BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-17
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:
Someone got hold of my information and opened up some accounts. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and now in Delinquent and charged off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm trying to improve my credit a company called XXXX XXXX. while trying create an account XXXX XXXX. owing XXXX XXXX XXXX {$4.00} having me under suspected fraud Activity for date XX/XX/2016. I'm not sure what to do

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: EQUIFAX, INC.
State: PA
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'm a victim of identity theft and on XX/XX/2022, I submitted a letter to all 3 credit reporting agencies XXXX, Equifax and XXXX disputing a XXXX  account that was opened fraudulently. I sent a letter requesting that the credit reporting agencies investigate this matter along with my police report, my FTC report and verification identification. XXXX deleted the account as well as XXXX and Equifax. XXXX and Equifax proceeded to put the account back on my credit after the deletion. I contacted both and asked how did they decided to add this fraudulent account back on my credit profile, and I was told " because the creditor state that it was mine '' and that the creditor did not have to submit any verification documentation. This is unfair, because the credit bureaus have a vested interest, they are paid by the creditors to report information, therefore, the creditors can say and report anything. 

Please investigate and remove the fraudulent account from my credit profile. I have attached my supporting documentation. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Conns XXXX XXXX Repeatedly calls despite being told that the person who they are trying to contact does not live at this address. Spoke to someone XX/XX/2019 XXXX Asked them to stop calling, the previous day I told them to stop calling and earlier on the XXXX my mother also told them not to call. On the XXXX a man told me he could not remove my number from the account and there was some sort of process to take the number off. After that have received several calls ; XX/XX/2019 : XXXX XX/XX/2019 : XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17
Company: EQUIFAX, INC.
State: VA
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 convince XXXX  that a collection adverse account has been incorrectly reported on my file and they keep saying that the company reported the collection is the one that they will listen to. They mention that they lunched an investigation and their investigation has found that the company correctly reported the account. 
They refuse to tell me how they conduct the re-investigation and though they promised me to send all the papers related to the investigation and all the evidence related to the case, they never did. All I get is a copy of my credit report. I have repeatedly told them that the name on the collection account is not my name but instead of using this information, I just found that they have added a new version of my name, the wrong one provided to them by the collection agency. They also added a phone number that does not belong to me. 
I feel that XXXX also side with the company reported the account and they do not want to listen to my repeated request that the account is bogus and does not belong to me. 
I had to spend a lot of time again to convince them to reinvestigate and although they agreed at the end, I believe it will not be taken seriously nor they will send me all the paper work related to their investigation. 
I have spent a lot of time now for this problem and I feel that as a consumer, I have never been treated fairly by XXXX. I also have similar experience with Equifax but they are still investigating the account so I can't say that they didn't investigate the issue properly but I am so afraid it will be the same as XXXX. They seem to have similar work code.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
An inquiry dated XXXX XXXX2016 is reporting on my credit. I did not authorize anyone employed by Bank of America to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company. Did not receive a response or proper resolution

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 2022-08-11
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Moved out of Apartment in XX/XX/2022 In XX/XX/2022 Received Letter from Debt collector for {$2300.00} but never received bill or list of what charges were for. I was in a month to month lease and left due to apartment was vandalized while I were away from home and wrote letter to Landlord letting them know i was vacating for fear for my safety. 

email sent from me : Sent : Wednesday, XX/XX/2022 XXXXXXXX XXXX To. XXXX XXXX I would like to give immediately notice that I have vacated the apartment, My apartment was broke into and vandalized I could not lock my apartment due to lost keys and lock repair never completed I fear for my life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you XXXX XXXX I Forwarding Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a new collection account on my credit file that i have no knowledge about. I was never given a DV and i also have no knowledge of the debt the collection agency had no right to report on my credit file with out giving me a DV the collection agency is XXXX XXXX for {$96.00}

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 2018-03-17
Company: Constantino Law Office, P.C.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I Received a notice form a lawyer XXXX XXXX XXXXXXXX law office on XX/XX/2018XXXX which was from XXXX XXXX I written back saying to whom this is what debt this is and answer my questions according to the Fair Debt Protection act, I never received any correspondence from XXXX XXXX On XX/XX/XXXX my funds were taken from my Bank at XXXX XXXX XXXX XXXX XXXX Thinking this was a fraud, my bank told me my money was taken from XXXX XXXX which I believe this is a fraud, I have no knowledge of any judgements or anything on my credit report regarding XXXX or had any accounts from XXXX I recently checked my credit report there is no record or anything on this XXXX XXXX is at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX Therefore I am filing this complaint to get my money returned to me. I can be reached at XXXX thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I have tried to dispute with Transunion about a couple things on my report like XXXX  which a loan company they updated the info but yet left the incorrect balance on there and its still showing open. The account is closed. Also XXXX XXXX XXXX XXXX. They reported me as a missed payment when I made a payment on XXXX XXXX. They also never informed me that this particular account had a due date. XXXX XXXX told me I had no missed payments because I was in the hardship program but yet Transunion is updating not deleting as they should.

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 2018-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 an approved offer of credit from a XXXX ( Bank of America ) credit card. I provided the required information and I have a XXXX credit score with XXXX  Credit Reporting Bureau. 

Therefore I believe that this denial credit is based on my age and Nationality and is discriminatory. Since I am an American Citizen and also XXXX. XXXX has had trouble with credit worthlessness and I am being discriminated on the basis that I am of XXXX origin.

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 2015-12-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX my husband was working in the XXXX when the housing boom ended. He was out of work until XX/XX/XXXX and we filed bankruptcy because we had been unable to pay outstanding bills. Because we were struggling to our mortgage, we applied for a home modification in XX/XX/XXXX and submitted all of the paperwork required by J.P Morgan Chase. After submitting all of the paperwork they requested, they requested the same documents every 2 months for 5 years. We never received any answer or decision regarding our modification and in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX we failed to pay our monthly payment. In XX/XX/XXXX we went to the physical location of J.P Morgan Chase Bank to pay all of the monthly payments that were owed and the teller refused to take our payment because there was a hold placed on the account. We contacted Chase via phone and they were vague about what was happening with our mortgage so we contacted a lawyer and we found out that Chase was taking steps to foreclose on our home. We then proceeded to request the complete monies owed to bring our mortgage to current status and they told us they would contact us in several weeks. They never contacted us and would not tell our lawyer how much we owed either. In XX/XX/XXXX we took {$10000.00} out of my husbands 401K plan and brought the money to Chase to pay off the delinquent amount and they were unable to take the payment. Now, XX/XX/XXXX an auction has been set for XX/XX/XXXX. We have paid {$7000.00} in lawyers fees and we were denied a modification on XX/XX/XXXX because we now make too much money. For the past 6 years we have been trying to modify and we are losing our home. When my husband finally found employment with his previous employer, he was making {$XXXX} an hour, and I XXXX making {$XXXX} a year. 2 years ago he was making {$XXXX} an hour and I was XXXX making {$XXXX}. Our income has increased however at the time we defaulted we were struggling financially and we really needed help, I am back XXXX making {$XXXX} and my husband is currently making {$XXXX} but we make too much money for a loan modification. It does not appear that Chase was willing to assist us with our loan and we are making this complaint hoping for assistance as well as warning others who may be facing a situation like ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a XXXX XXXX XXXX vin XXXX on XX/XX/XXXX from XXXX XXXX   XXXX XXXX XXXX, the purshase price was {$4400.00}, but they added an optional gap contract {$800.00}, vehicle protection plan ( vpp ) {$2800.00}, vehicle care protection {$110.00} from XXXX XXXX XXXX XXXX of FL, so the amount financed went up to {$9300.00}. The total cost was {$19000.00}, when I contacted the dealer to cancel the optional charges they told me they can't do anything about it, and my only choice was to pay the loan on time for one year and then refinance it

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 2019-10-01
Company: Experian Information Solutions Inc.
State: FL
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:
I have been trying to get my security freeze lifted from Experian for 60 plus days. I have sent letters to three P.o. Boxes, the letters have been returned undeliverable. I have sent letters over the past 9 months to XXXX. XXXX  XXXX the required XXXX XXXX for security freeze lift request with proper verification. Experian has not complied, has not sent me a copy of my credit report in 9 months. All I'D is valid and verifiable. I have 8 letters of Denial from banks and credit card companies that pulled Experian credit report that state Unable to locate credit report or state there's a restriction on my credit report, other creditors state Unable to verify credit score. I have filed a complaint with the XXXX  and have had no success. This is hindering me from obtaining credit, a mortgage, and verifying my Experian credit score. I have called every toll free number for Experian and can not get a live operator, can not obtain credit reports using annualcreditreport.

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 2021-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
The following account is a fraud account as I have never opened or used it : Portfolio Recovery Associates account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just got a notice that a company under the name of DIVERSIFIED CONSULTANTS is trying to collect money from me. 

I have never received anything from them via mail nor have they even verified who they are or what this debt is about. THERE WAS NO VERIFICATION DONE and they illegally reported on my XXXX Report without the proper verification or even demonstrating the existence of whatever it is that they say I owe them ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17
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:
Someone got hold of my information and opened up some accounts. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX and now in Delinquent and charged off

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 2018-03-18
Company: Strategic Alliances, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I RENT A CAR WITH XXXX RENT A CAR FOR XXXX WHEN I RETURN THE CAR THEY CHARGE ME FROM XXXX ACCOUNT, AND PAID ME BACK THE SECURITY DEPOSIT TO ME ON XX/XX/2017 THEY TOOK COLLECTION ACTION BEFORE I SENT THEM THE LETTER BUT AGAIN THEY DOING IT BECAUSE THE LOOK XXXX XXXX XXXX LOCAL OFFICE THE GUY WHO DEAL WITH XXXX DONT LIKE MY NAME XXXX XXXX JUST TO PUNISH ME THEY ARE DOING THIS TO PUZZEL ME PLEASE STOP THIS COLLECTION ACTION I DONT OWE THIS MONEY THANK YOU XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been receiving emails that payments have not been submitted then getting late fees and charged again and again. My bank statements show the money is being submitted to AES however they keep calling my parent 's house and harassing them and I keep paying more but the emails and calls dont stop. I have screen shots of the latest transactions ( email and my bank statements showing in making multiple payments ) I feel like I am being taken advantage of and I do not like these creditors calling my parents home phone ( I have not lived there for 9 years ) as they are old and this causes unwarranted stress which could lead to health conditions and their untimely death.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: ROBINHOOD MARKETS INC.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Robinhood cryptocurrency orders were delayed on XX/XX/XXXX from XXXX - XXXX. At this time, the price fluctuated dramatically and I was unable to complete trades. The trades that were completed were not at the prices promised. This caused me to lose aprox. {$50.00}. I am looking for this credit. Robinhood did not give an appropriate response for weeks and has then not been able to answer what the criteria are for credits, and refuses to budge on a " final decision ''. This should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
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:
On XX/XX/XXXX, I submitted an online dispute at Experian regarding the account XXXX XXXX. My dispute was on the basis that as of XX/XX/XXXX, the account balance of {$840.00} was paid in full. I included my emailed receipt confirming this payment. On XX/XX/XXXX, I received an email from Experian stating that the dispute has been updated. Upon review of the account, it now reports, " Account charged off. {$840.00} written off. '' Considering that the account was paid in full, the status should reflect that it was " paid collection. '' I contacted Experian customer service on that date and was told that XXXX XXXX is denying receiving payment. I was also told that when disputes are initiated, the authenticity of the supporting documents are expected to be verified by the original creditor, thus they have the final say. This is ridiculous! Regardless of what XXXX XXXX XXXXs stating, I submitted proof that the account has been paid in full, therefore my credit report should be updated to reflect " paid collection. '' Experian is neglecting this proof.

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 2022-08-05
Company: Tower Loan of Mississippi, 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: Account status incorrect

Complaint:
I filed for XXXX  XXXX Bankruptcy in XX/XX/2022. 

I was a co-signer for a loan with Tower Loan, for my wife. 

However, my wife did not file for XXXX. XXXX bankruptcy as well. 

In my filing, since I am not the primary on the loan with the company, my attorney had me removed from the debt to Tower Loan, no longer making me responsible. 

I have been paying on my Bankruptcy since XX/XX/2022, and Tower Loan is reporting to Credit Bureaus that I am XXXX late on the account. 

If Tower loan did not submit a claim to the Bankruptcy Trustee that is overseeing my bankruptcy, then I should not be held liable for any late charges or payments on my credit report. 

They are the only company I am having issues with on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The amount {$1400.00} was charged on my personal checking account on XX/XX/19 for a business auto loan is 13 days late without authorization from me. The customer service representative said that these charges were because of a collection. I was never notified that this collection had occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation