BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX DOB XX/XX/XXXX XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX A XXXX ACC # MEDICAL ACC # XXXX XXXX, XXXX F XXXX XXXX XX/XX/XXXX XXXX XXXX, FL 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 2018-05-30
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The compagny is discriminating against me by refusing to discuss my loan.with me they discriminate by taking my name of the note and the mortgage i m on the deed i het letters from their lawyer biut yet they wont discuss my loan with me i want my name on my mortgage please i m the owner and i need to ne able to kniw the status of my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
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:
On XX/XX/2020 I traded my vehicle and the dealership over paid credit acceptance by {$630.00} and they also owe me for {$1500.00} for gap insurance and {$1400.00} for my warranty. We have contacted them several times and they refuse to give us back our money. Straight out said they were keeping it and will not explain why. They said they would give us {$7.00}. This is fraudulent and I want my money back. 

They lied about the amount on the check they received from XXXX XXXX XXXX sales for the pay off. XXXX XXXX sent a check for {$15000.00} and Credit Acceptance admitted the pay off was {$14000.00}. They put it on the account like they didnt get the overpayment of {$630.00} put there is a paper trail at the dealership that says different. Also they admit they owe for gap insurance refund and refuse to give it back.

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 2020-03-18
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have had multiple problems with XXXX XXXX and Rash Curtis and Associates reporting collection accounts to my credit report for unpaid doctor bills. These bills have been paid per union contract and my HRA account in full. I have had a credit lawyer help me in the past to dispute such items. This has affected my credit score to be " fair '' instead of " good '' credit. I have excellent insurance coverage from my job and have had such for 30 years. The past 8 years I have had these issues with these bills I no longer owe, and have been paid in full. The most recent false report from Rash Curtis and Associates was opened on XX/XX/2016. When I call my benefits about these bills, their copies of these statements claim they are paid in full. This is a nightmare and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Experian Information Solutions Inc.
State: WA
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:
Please Know that I have sent certified mail letters to all three major credit bureaus for a consistent 18 months ; XXXX, XXXX and Experian. 

Incorrect and erroneous information continues to appear. I continue to be denied for housing to basic additional credit. Specifically : * A paid-off car that I haven't owned for over four years * Collections which are not mine and were proven that I have experienced identity theft * All credit cards have been paid-off * All car debt from the past year has been paid-off * All student loans have been paid consistently for over two years, despite incorrectly showing 'default ' and loans which were clearly consolidated. 

Do know that I have sent final notices to all the bureaus with the intent to sue them in small claims court due to all the problems that they have wrought! I have followed the procedures, yet continue to be ignored. Further information includes incorrect names and addresses. 

Why do these entities have no recourse from the government? Why aren't they held liable for the damages they due to people by continuing erroneous and incorrect information? Penalties and fines must be imposed with further accountability. People should NOT have to be subject to the games they are playing!

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 2017-05-26
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RE : CFPB case numbers :  XXXX  ;  XXXX  ;  XXXX  ;  XXXX .      XXXX   XXXX  and I agreed to a payment plan to keep my disconnected account in a current status, and autopay was set up on an agreed-upon payment schedule. After a couple of months,  XXXX  sent my account to collections without notice. I paid a deposit via telephone to the collection agency,   XXXX   XXXX  , and proceeded to obtain another payment plan. Several months later,  XXXX   XXXX  resells my account to  XXXX   XXXX . Meanwhile,  XXXX  and these collection agencies continue to not honor our agreement when they cancel the payment plans without notice, and while they continue to add collection fees with each new subsequent collections agency. The response from   XXXX   XXXX   advises me to contact  XXXX   XXXX  directly.  XXXX  states they no longer have the account as it has been sent to collections. All parties pr  ovide conflicting information!
*** U  PDATE  XXXX / XXXX /   2017  :  XXXX   XXXX , o  r one of its agents, has now resold my account to Receivables Performance Management LLC ( " RPM '' ).
Please view the attached PDF files for furthe  r information regarding relevant CFPB cases.

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 2020-03-18
Company: EQUIFAX, 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:
I have been trying to remove my fraud alert with the three credit credit agencies but it is so difficult to get to talk to a live person and them they ask a lot of questions that I don't remember that I had to ask for your help with this, Please remove my extended fraud alert and consumer statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to remove my fraud alert with the three credit credit agencies but it is so difficult to get to talk to a live person and them they ask a lot of questions that I don't remember that I had to ask for your help with this, Please remove my extended fraud alert and consumer statement.

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 2022-08-16
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I attempted to dispute a medical debt collections on my credit report since I had no knowledge of the account or collection status. The collection agency did not send written information regarding the debt owed, but submitted to the credit bureaus as accurate. I have now have no way of verifying the debt ( original service date, total amount owed, etc. ). I suspect this is not a legitimate debt as I have not had any outstanding medical bills needing attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: AL
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:
I am a living, breathing human being, as opposed to a legal entity such as a business operation ( corporation etc. ) and for this reason I have rights under 15 U.S.C. 1681. Equifax is governed by 15 U.S.C. 1681. And they have invariably violated my rights on numerous occasions. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts.

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: John C. Heath, Attorney at Law, PLLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My identity was stolen I check my credit report and seen were someone open credit cards and and line of credits in using my name the year XXXX my wallet was stolen out of car I'm a victim of identity theft it show the following were open using my identity ) XXXX XX/XX/XXXX. XXXX XXXX XXXX ) XXXX XX/XX/XXXX. XXXX XXXX XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX, XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XXXX XXXX ) XXXX XX/XX/XXXX all accounts were open in my name by fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: HI
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 disputed this XXXX XXXX XXXX account being reported inaccurately on my credit report and demanded that it be investigated for the errors that I have found and after sending my first dispute letter to all 3 credit bureaus only XXXX has removed it from my credit report however it has not been corrected or removed by XXXX or Equifax after approximately 60 days of disputing and as per the FCRA this account must be removed immediately for all the errors and violations. 
Inaccurate information being reported is as follows : a ) high credit limit- inaccurate b ) credit limit -inaccurate c ) dates last reported -inaccurate d ) date last active -inaccurate e ) date of last payment - inaccurate f ) payment status inaccurate on these dates XX/XX/2021, XXXXXXXX XXXX  XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 and this is a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A letter dated XX/XX/2019 stated chase services could not help me with my dispute any longer. The dispute arises from merchandise which I returned to XXXX XXXX home security via XXXX on XX/XX/2019. The credit was sent back to my account on with chase card services on XX/XX/2019 ending in XXXX. This credit has not appeared on my account number ending in XXXX. In the written communication from Chase they did NOT provide all transactions only statements without showing credits. In addition I had asked to begin civil litigation procedures on this matter yet chase did not provide me with person or location for process of service which is required on all corporate fillings in the state where I live, California. I would like to resolve this matter but the date that Chase gave me to to resolve this matter was XX/XX/XXXX without providing any justification or public law reference for their decision. The equipment was not received by XXXX XXXX until XX/XX/2019 and my chase account ending in XXXX was never credited even though XXXX XXXX  sent the refund back to Chase on XX/XX/XXXX. So I would like to understand the public laws and corporate codes that Chase is allowed to operate in the State of Califonia under this circumstance of not providing my credit, then not providing a person a location for process of service within my local jurisdiction and finally under what public law ordinance is Chase allowed to behave in this manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Discover credit cards have a rotating 5 % cashback category. The categories are intentionally ambiguous so that consumers do n't know whether they are in category or not. The current category is " department stores ''. I utilized the Discover Card at XXXX stores, only to find that XXXX is not classified as a Department store but rather as a " discount store ''. The definition of " department store '' in the dictionary is a store with many departments, which is clearly what XXXX is. Credit card companies should be required to specifically define what these categories mean. This is not the first time I 've been burned by Discover. I asked Discover to make good on its promise of 5 % and they refuse. I could have received 5 % using my XXXX credit card, but instead used Discover. My net loss is {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After filing a recent tax return, the day before my refund was deposited I recieved a letter stating my refund was intercepted to pay a collection from XXXX. After downloading my IRS transcripts from XXXX thru XXXX I noticed every single refund was intercepted. I contacted TSI which was the third party collection agency and was informed XXXX had been intercepting my refunds and I still had a balance of XXXX as of XX/XX/XXXX. The rep on the phone said notice was sent to the address they had on file and I informed I had a new residence and updated my mailing address. On XX/XX/XXXX I recieved my Tsi file in the mail. This file is incomplete, contradicting and full of errors. Returned Check Fees, Interest and civil recovery charges, plus transactions stating I wrote a check to XXXX for XXXX dollars and another check for XXXX dollars. Copies of those checks are not in the file. The 3 copies of checks in my file are for different amounts and are not in the transaction statement. I see credits to the balance but then 10 dats later those credits were reversed. with no justification. copies of the checks also have XXXX XXXX  checks but on the back the account says XXXX XXXX XXXX. XXXX  should be stamped on the checks but not. Im a victim of Identity Theft. The funny thing is XXXX and TSI ar nowhere to be found on my credit report. Im being robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I attempted to open a checking account with Citibank, i was told i would hear something in a few days, as it was an online account opening. I never heard anything. Several days later, checks for a checking account arrived at my home, followed by a Debit card and PIN number. I activated the card and deposited money, by transferring money from my savings account at Citibank. I then began using the card and the account for ACH bill pay services. on or about XXXX toth i went to login to online banking, and was unable to do so. thinking it was just a temporary glitch i tried later in the day, it still didnt work, and was advised to register my card and my PIN again, i tried unsuccessfully. I tried calling the bank. they procedded to tell my i did not have a card linked to my checking account, however they wwere able to see transactions i had made that day on my debit card. they issued a new debit card. the previous evening I had written check XXXX and XXXX, both in the amount of {$370.00} when my balance was, and continues to be {$1300.00}, at the time of this complaint. 
on XX/XX/XXXX, i received an email saying that there were returned checks on my account, i accessed online banking, and saw that my account balance had not changed, and there was no notice or record of either check being presented or returned. I initiated an online chat session, while simultaneously trying to call the bank. I spoke to a representative named XXXX, who assured me nothing had been returned, and all the checks would post to my account on XXXX stated nothing to worry about. i was on hold for over an hour, and nobody picked up the phone Later in the day i received notice from one of the parties I wrote a check to, that the check was not honored. 
I called back to Citibank, again was on hold for 48 minutes, and finally ended the call. 
Every time i call the bank or chat with a representative, i get a different story, and am forced to jump through hoops, all the while they have my funds, are not honoring checks, costing me returned check fees, embarrassment, and frustration not to mention hours trying to access my funds, or get answers. 
i have spoke to numerous people, all give different answers and explanations, yet i am stuck with fees, lost opportunity, lost time and aggravation. this is the worst experience i have ever had with a financial institution..

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 2017-05-26
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Thursday,   XXXX   XXXX  2017    I received three consecutive phone calls at   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX   from (  XXXX  )  XXXX . The first  two  phone calls each rang once and then ended. I picked up the third call at the first ring, as I was able to recognize the number from the  two  previous calls. When I answered, the phone call immediately ended. I called the number back at   XXXX   XXXX  . After it rang once, an automated message said, " All of our representatives are busy. Please hold. '' Almost immediately, a woman came on the line. I told her that I had three missed calls from this number and would like to know who was trying to reach me. She responded by asking me to verify my name  (  first and last ). Being completely unaware of who was calling, I responded by asking, " Who is calling? '' She again said my name and asked me to confirm that it was me calling. I refuse to give or verify my name to someone I do not know, so I asked her to tell me who was calling again. She put me on hold. After a short pause, a second, different woman came on the line telling me she was trying to reach  [ my na me ]. I told her that I would not verify anything until I was told who was calling ME three times in one night. This went back and forth a few times until she raised her voice. In an extremely abusive and disrespectful manner, she informed me that I " MUST STOP YELLING AT HER! '' I was in no way yelling, but simply asking her to tell me who was calling my personal cell number. I again told her I would like to know who is calling. With her voice still aggressive and loud, she yelled, " THIS IS  PHOENIX FINANCIAL! '' a nd hung up the phone.   I called the number back at   XXXX   XXXX   and spoke with a third woman, named  XXXX   XXXX . I asked to speak to a supervisor and she put me on hold. She returned to the line and informed me that everyone had left the building and she was the only person left since they close at  XXXX . I told her that I had just spoke to  two  people just before and would like to know who I could talk to now.  XXXX  told me that I had previously spoken to a supervisor named,  XXXX . I informed  XXXX  of my frustrations and she said I would have to call back tomorrow in order to reach a supervisor.  XXXX  also informed me that their calls are recorded. I hope you can listen to that recording to see just how rude  XXXX  was. Their approach is very secretive and suspicious as they call you multiple times, demand that you verify your identity, all while refusing to tell you the name of the company calling or any other telling information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

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