BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: PA
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:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the permanent deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Aqua Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Please see all attachments listed from : AAA1, B2, C3 E5, F6 Concerning Aqua Finance, on XX/XX/2021 their staff management was extremely bias to me as a consumer, because I which to speak to their fraud / compliance dept. in respect to the unscrupulous & fraudulent sale tactics of XXXX  Secure / ( XXXX XXXX XXXX XXXX ... by using a falsify document from her business partner XXXX XXXX XXXX / ( XXXX XXXX XXXX ... noted both name are on document 6 of 8. 
See attachment : A1 - page 4 - 8.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Chime Financial 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: Account status incorrect

Complaint:
I have a chime credit builder account that is a prepaid card. I have to place money on the account before I can spend said money. The money I place is supposed to act as my credit limit and I am unable to spend more then I have placed. Chime reported in XX/XX/2021 to XXXX that I owe {$180.00} which is impossible due to the fact that if I try to spend more than I have already paid it will decline. After disputing with them and the credit bureau several times I moved all of the money I had left on the card to my other account with them and have not used this card since. They say they report monthly but never updated in XXXX and are still telling me the balance showing on my credit report is correct even though I have been at XXXX since the beginning of XXXX. Due to how they are reporting this, it is negatively affecting my credit score despite the fact that they advertise their card will increase your score exponentially. I would like my credit report updated to reflect the correct balance of XXXX and their practices reviewed for how they report PREPAID cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I received my escrow account statement from my new servicer ( SLS Mortgages ). SLS obtained my mortgage from XXXX XXXX XXXX in XXXX 2015. SLS is trying to force me to keep 2 months escrow payment in my escrow account. The shortage is almost double the 2 month requirement. SLS tells me that they can require me to keep 2 months escrow payments in my escrow account. Is this correct? Why is it almost double the amount of 2 months. My escrow payment for my taxes and insurance is less than what the payment was before the analysis.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: MI
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:
ACCOUNT OPENED XX/XX/XXXX CAR WAS TOTALED ON XX/XX/XXXX CLAIM WAS MADE WITH XXXX XXXX ON XX/XX/XXXX THE THE REMAING BALANCE OF THE VEHICLE TO XXXX XXXX WAS PAID ON XX/XX/XXXX SETTLEMENT VALUE IN THE AMOUNT OF {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt does not belong to me. I never signed a contract with this company, and they are reporting debt on my credit report this from someone using my information to obtain credit and needs to be removed as it is a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: NJ
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 am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. 

The following items are inaccurate on my credit report : XXXX Incorrect account number Incorrect high balance Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect payment status Incorrect creditor remarks Incorrect last payment date XXXX XXXX Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect payment status Incorrect last payment date Incorrect credit limit XXXX XXXX XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect account rating Incorrect creditor remarks Incorrect account status Incorrect last payment date XXXX  Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit To resolve the problem, please investigate this matter and contact the credit bureaus to have them update or delete this inaccurate information from my credit report as soon as possible.

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 2015-07-10
Company: Mortgage.Shop LLC
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Credit decision / Underwriting

Complaint:
In XXXX 2015 I signed up for a reverse mortgage and was told that when I signed up that I would be grandfathered in before the new laws were to come into effect. I and my wife signed a contract on XXXX XXXX and did the XXXX counseling on XXXX, 2015. However, after all the paperwork was completed they decided to rewright the contract under the new laws. This put me in a bind because we would have to start all over again. Plus the agent told us to save our mortgage money and now we are behind in XXXX, 2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC on behalf of XXXX XXXX is attempting to collect money I do not owe ... I received merchandise that was broken, missing parts, and looked to be used ; merchandise was returned to XXXX yet my account was never credited for the return ... I've made many attempts to contact XXXX & XXXX to resolve the issue but they are unattainable, with Customer Service being non-existent... I am not, will not, absolutely won't pay a dime I do not owe and fully intend to pursue legal action if these three companies ( XXXX*LVNV FUNDING LLC ) can not resolve an issue not created by me... I've attempted to find legitimacy in LVNV FUNDING LLC that proves they even have the legal right to do business such as they are, but that was to no avail so I have no idea who these people are who have my information ... Bottom line I DO NOT OWE SO I WILL NOT PAY ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions 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:
The accounts listed bellow are fraudulent accounts I run my credit history and I found many fraudulent accounts this is a 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 2022-05-13
Company: TD BANK US HOLDING COMPANY
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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Pulled credit fraudulently without my concent or whereabouts, i reached out to the following companies several times with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07
Company: Exeter Finance Corp.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
I reported with XXXX that someone used my social and name to try to get a loan in my name. They would n't help me. They said since the loan was not approved that I should n't worry. My credit score is low to begin with and now it dropped even lower. This company is based in XXXX and I live in XXXX. I have never even traveled to XXXX. They only took my name down, did n't take my phone number, or my social. I want to know who is out there using my social and my name. They could do a lot with that information and I 'm very worried due to the fact that I 'm trying to build my credit to get mortgage a house soon. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: LendingPoint Holdings LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Was approved for a loan XX/XX/XXXX. Told until I had Till XX/XX/XXXX to give proper account information. Proceeded to give misleading and false claims or promises. Its on a recorded line that I was Promised my money would come through if I gave Them proper banking information. They now have four different accounts of mine theyve received information for and will not give me my money. Theyve been accruing my financial information and I have concerns they will abuse it. Theyve swindled numerous people into getting their credit pulled then prematurely throwing out applications just to get their bank information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
We were a victim of fraud and my debit card was used at a ATM. Per the investigation of the XXXX ATM charges, Chase has decided that I did XXXX of the transactions and did not do the other XXXX. When I tried to talk about it I was told that the investigation is complete. All of theses transactions happened in the middle of the night and on back to back days. I Was told that because I made a ATM withdrawal of {$500.00} on XXXX/XXXX/15 @ XXXX XXXX that I did the other transactions of {$500.00} that occurred @ XXXX and XXXX XXXX. This whole experience has been terrible and I have been miss treated by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear Sir or Madam, I have contacted this company Franklin Collection Services and ask this company to removed there negative report from my credit report however they stated that there was nothing they could do to help me. this is not a debt I own to this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I had a XXXX cell phone account in XX/XX/XXXX. I moved in XX/XX/XXXX to a different address in the same state. I did not know that I had a residual balance on my account of XXXX cents. Pinnacle Credit Services , LLC reported this account to both credit reporting agencies 2 months ago and this account is showing up on my credit report as a open collection. I tried to resolve this through XXXX XXXX disputing services to no avail. I did not contact this company or make any payments to a collection company on this account. I received a letter from Pinnacle Credit Services which I am attaching in which they admit and I quote that " Because of the age of your debt, Pinnacle Credit Services , LLC will not sue you for it, and Pinnacle Credit Services will not report it to any credit reporting agency. '' They already did that 2 months ago! So they are still asking me for money and if I do pay it will be on my credit report as a closed collection for another 7 years! I would appreciate any help before I seek legal counsel. I am trying to buy a house and will not qualify for a bank loan with this on my credit report. Their dishonesty is costing me a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Exeter Finance Corp.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I applied for an auto loan. Unfortunately, Exeter Financial wanted to charge me an interest rate of 15.4 % which is absurdly high. Exeter Financial has a reputation for charging XXXX and XXXX customers higher interest rates than XXXX borrower applicants. They were trying to charge me an absurdly high interest rate because of my national origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They had this debt on my son 's credit, I contacted them that it was not his, he was underaged. Now its on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Pinnacle Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account from PINNACLE CREDIT SERVIC XXXX. I had previously disputed this account this account. I have never done business with PINNACLE CREDIT SERVIC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt purport I owe. I request that PINNACLE CREDIT SERVIC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PINNACLE CREDIT SERVIC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: WSFS FINANCIAL CORPORATION
State: MA
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 Cosigned a mortgage with my XXXX  There was fraud on behalf of the mortgage broker. ( Who went to XXXX ) He said my name would be off the loan in six months. It was not and years later in XXXX the loan was modified. However, my name remains attached to the mortgage. I have never lived at the address ; I have never paid the mortgage. In the last 7 years my XXXX  XXXX XXXX who lives in the home has paid the mortgage on time each month. He has the finances to continue. He bought the house he lives there. He should be getting the credit for paying the mortgage on his credit report for the last XXXX years. The loan should be in his name only. WSFS XXXX XXXX and their servicer XXXX should correct this. It would be easy way to settle an ongoing financial problem. It would be the right thing to do. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Immediate Credit Recovery
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
There a a student loan from 1986 i was only XXXX years old and I was n't even informed about this loan. I signed something that I was n't even sure what I was signing I do n't recall going to that school for a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Stellar Recovery, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have called numerous times to this agency to ask for an itemized billing statement and each time I am told it will either get faxed to me or mailed to me. I never have received the information I have requested other than a simplified statement. The reason I am asking is because I have the suspicion that I have paid XXXX separate agencies for the same merchant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
An outstanding bill from XXXX XXXX was sent to me in early XXXX - I was under the impression that XXXX had paid it. My employer intervened with XXXX to pay the bill, on my behalf to the XXXX clinic. The collections company is still trying to collect, although the bill was paid. In addition the collections agency hung up on my call, and was not reasonable during the call. 

ACEI is the debt collections agency

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 2021-12-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 I received an e-mail from PayPal that they had " temporarily limited '' certain features in my PayPal account. 

On XX/XX/2021 I received a second email from PayPal indicating I could not " conduct any further business using PayPal '' and they would hold the funds for " up to 180 days. '' On XX/XX/2021 I contacted PayPal by telephone and they stated they would not release funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage was paid in full on XX/XX/2021 and we still have not received the escrow refund in the amount of {$1600.00}. We initially called around 2 weeks after paying it off and the Bank of America rep said that it takes XXXX XXXX 30 days to receive it and it we haven't received it after 30 days they will have it overnighted. We called again after the 30 day waiting period and the next rep stated that they would submit for another check and that they were unable to overnight it as stated by the first rep we spoke with. We also never received that check so we called back again last week and the rep said that they would put in a request to overnight it but did not guarantee it. In short it has been almost 90 days since paying off the mortgage in full and we still have not received our escrow refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect wrong name spelled

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 2017-01-04
Company: A.R.M. Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did not order newspaper delivery ( XXXX XXXX XXXX XXXX and I 'm being charged for it

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