BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-15
Company: First Data Corporation
State: OH
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:
Have received XXXX collection letters from TRS Recovery Services Inc claiming I owe {$1200.00} for appliances that were purchased from XXXX. Plus they are attempting to collect an additional {$120.00} for return check fee. Total {$1300.00}. I have neither purchased any goods from XXXX in the last years. I have no XXXX Credit card. Have no idea how they obtained my name and address. I am XXXX years old and know XXXX are targets of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Other

Complaint:
I contacted this company at XXXX and realized within XXXX hours that it was n't what I had really wanted. I have been trying to get a refund on my credit card from them since XXXX on their 60 day 100 % refund. I have contacted this company at least 5 times and they are n't listening! 
XXXX ; XXXXXXXXXXXX & gt ; XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX XXXX XXXX XXXX $ XXXXXXXXPrint XXXX, TX XXXX US

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.

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 2021-08-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: AFNI 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: Personal information incorrect

Complaint:
I was denied an application for a credit card due XXXX Report. The person that has a delinquent payment do not have the same last name as mine, and same social security as mine, XXXX  put that person in my credit report file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
XX/XX/2022 We found XXXX change to your Equifax credit report XXXX Credit score XXXX points since XX/XX/2022 Account Removed XXXX XXXX XXXX account removed from your file Between XX/XX/2022 and XX/XX/2022, your account account with XXXX XXXX XXXX was removed from your credit report. 
Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 


There absolutely NO reason this should have been removed from my account! I was told that this was a mistake on the behalf of Equifax. This has basically thrown my life off track because I lost XXXX points that I worked very hard for and no one understands me telling them that this is an error. Someone anyone please help me out immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Royal Pacific Funding Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to work with my mortgage company to get a modification and a forbearance to save my home they have taking resent payments that i was told to pay by FHA then they stopped letting me pay the payments. I did a modification application witch they said I was approved for to get a letter telling me that i am not approved I was effected by covid 19 and have explained that to them. I do believe that i am being discriminated because of my XXXX and that is why I'm not getting a fair chance to keep my home I had paid 4 back to back payments before they stopped taking my payments in the amount of XXXX for XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: ALLY FINANCIAL INC.
State: NC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I returned a vehicle at the end of a lease agreement. The finance company is now claiming excessive wear of all XXXX tires, and they are now billing me for the cost of XXXX new tires. I dispute the objectiveness of their appraiser and the accuracy of the measurements. The tires were within reasonable wear, and I do n't owe them the cost of replacing the tires.

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 2021-08-29
Company: Square Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Based on a XXXX  promotion, the company offered {$100.00} off my next purchase of {$100.00} or more, but did not honor this promise after I made a qualifying transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Greetings, I would like to fill a complete with the CFPB against XXXX, Equifax, and XXXX for misleading information on my credit report about a Bankruptcy case. 

I sent written notification to the court asking how XXXX, Equifax, and XXXX verify bankruptcy by the court. In response, in response on XX/XX/2021, the court stated it does not verify information to collection agencies. As a result, I sent letters to all 3-credit agency asking to verify and how the Bankruptcy is verified on my account. 
This is the response that was sent to all 3 companies I have previously disputed this item with you US Bankruptcy Court- XXXX XXXX Case Number XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 

XXXX XXXX In response, each credit agency stated that the information is verified as accurate. 
Attached are letters and documentation that was sent to all 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: First Data Corporation
State: IN
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fraud or scam

Complaint:
Money NEt work, First Data, was given my money by XXXX XXXX, based in Texas ( child support ) when i received the second card as first expired ... Iwas not able to activate. They verified all my information but said they needed a picture id. i faxed and mailed the picture Id Each time they said it was not legible. So for 18 months i have not been able to access my money. There is over XXXX, and they are taking monthly fees out. I do not know what the amount is that is on the card, and XXXX will not help me. I have sent letters certified and have gotten them back unsighed and un opened. undelievered. They are located in XXXX, and XXXX locations are in XXXX. The post office consumer affairs have tried to help but to no avail. I have employed a lawyer but that has illicited no response. In addition, I have filed a complaint with FTC, and compliants with the BBB in XXXX states. I have kept copies of all the correcspondence, receipts, etc and notes. I would like your assistance in this matter to get the full amount which would include the monthly fees. thanks.

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 2022-11-16
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/22 I deposited a personal check from another checking account into wells fargo. It went through no problem and cleared. On XX/XX/22 I tried to deposit another check and keeps giving me an error message. When I called the first two times the reps kept hanging up on me. The third time i called and got transfered to escallation team. She advise me that she doesnt know why it took one check but not this one since its drawn on same account. She said to go into branch but I live 4hours away from a branch. My account is overdrawn and have no way of deposting any money since they wont take my checks. 

I believe they did this on purpose so they could charge me overdraft fees. This is the second time since opening my account that this has happen. The only time I have gotten any resolution was filing a complaint.

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 2022-11-16
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I called American Express and talked to an agent in XX/XX/XXXX concerning the upcoming membership fee of XXXX and under recommendation of the agent I downgraded my credit card to blue cash. Later I was hit a promotion credit reverse of XXXX XX/XX/XXXX. I called American Express right away and under the advice of another agent I closed my credit account with American Express. After that I was charged with {$40.00} late fee plus interest monthly. 
My point is I accepted the downgrade offer from an American Express agent and she did not tell me that if I downgrade it, the {$150.00} promotion credit will be charged back to me. Please note it does not make sense, the membership fee is {$95.00} and the credit reverse is {$150.00}. No one would pay {$150.00} to save XXXX membership fees. 
The above is the proof that the agent did not tell me about the {$150.00} promotion credit reverse. Since it is American Express agents fault, I should not be liable for the {$150.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CarMax, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Financial Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is just a few of so called debt collectors trying to confirm my personal information. The person that called me today was trying to confirm the last XXXX of my SSN. These companies are trying to collect for accounts that have passed the 7 year mark of debt and they are ruthless over the phone. This XXXX in particular told me I did have a personal business matter with them and I had to comply. I ask them who their company was and they told me it was FRS located in Minnesota. After that I told them that I do not have any business with them and and now I would report them CFPB. I receive XXXX to 4 calls a day with harassment. Like I said my debt was pardoned and I am no longer liable for that old debt which they are trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Exeter Finance Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It may be a companies policy to report late payments to your consumer report. However according to 15 US code 1681 a paragraph 2 title exclusions sub chapter A 9 Transactions are not included in the consumer report.

A late payment is a form of transitional history, therefore it is a form of transaction.

So by reporting this to my consumer reports violates this law. So you are in violation of the Fair Quarter Reporting Act..

Please update late payments to paid or further actions will accrue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: C/C Financial
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CL Holdings LLC
State: NJ
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:
XXXX XXXX is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX, & XXXX. XXXX XXXX does not have my consent to have and share my private personal information. 

Then, the information that they are reporting is inaccurate and false. They are reporting an open date of XX/XX/XXXX and date of XXXX delinquency as XX/XX/XXXX. How can the open date be after the date of delinquency. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I wrote to Transunion in regards to an entry listed on my credit report which I have previously disputed and requested to have removed. After disputing the public record, I was told that the public record was accurate and verified and it is still listed on my credit report. I wrote to the XXXX Bankruptcy court and they wrote me back stating that they do not verify any bankruptcy information to have put on credit reports. If I have a bankruptcy, then it should be on record at the BANKRUPTCY COURT and nowhere else that may be untrue and CAN NOT BE VERIFIED.How did they verify that the bankruptcy public record on my credit report is accurate if the XXXX Bankruptcy Court stated that they do not report or verify to credit reporting agencies with any information relating to any bankruptcy cases? Attached is a copy of the letter I received back from the XXXX Bankruptcy Court supporting my position. I want this inaccurate and unverified bankruptcy public record removed from my credit report file immediately because the public record is INCORRECT, INACCURATE AND UNVERIFIABLE since it could NOT have been verified since there is no way to verify 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
Consumer complaint received 2022-11-16
Company: Maximus Education, LLC dba Aidvantage
State: TX
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:
My student loans were previously serviced by XXXX. I wanted to take advantage of the limited waiver opportunity and thus I applied for loan consolidation in XX/XX/2022. In XX/XX/2022, my loans were transferred to XXXX. During the transfer, XXXX of the loans inadvertently fell of the consolidation ( to this date it is unclear what happened ). On XX/XX/2022, I spent a lengthy amount of time on the phone speaking with XXXX, XXXX and Aidvantage. I was advised during those calls that XXXX 's consolidation is completed by Aidvantage therefore they were going to be the ones to assist with my issue. Aidvantage advised me to fill out a loan consolidation addition form since my consolidation was within the XXXX XXXX window which allowed for addition of loans to the initial consolidation. This was done and mailed to them ( Aidvantage ) as advised on XX/XX/2022. Since XXXX, I have tried to follow up on this consolidation without success. Every time I call Aidvantage, I have to re-explain my issues, have my calls escalated to supervisors then I am promised that the issue will be taken care of. I qualify for loan forgiveness at present. However, if my loans are not consolidated prior to my forgiveness date, I will only have this XXXX particular unconsolidated loan forgiven since it is my oldest loan. I have done everything I have been asked to do by Aidvantage and I feel like they are not following through with any of their promises. It should not take XXXX XXXX to add a loan to a previously approved consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: EQUIFAX, INC.
State: AR
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 am a victim of Identity theft. I have fraudulent accounts on my credit profile, incorrect address, incorrect employers, and incorrect personal information. These accounts such as XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and fraudelent bankruptcy listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: MN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$840.00} ; XXXX XXXXXXXX Balance Owed : {$7300.00} ; XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed XXXX {$1700.00} ; XXXX XXXX Balance Owed : {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I am holding a letter from bancruptcy court that they never reported to any of credit biro agency. i am willing to sue credit agency 's for reporting from a third party not the court it self.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Ad Astra Recovery Services Inc
State: KS
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Contacted Ad Astra at XXXX. A male answered the phone, took my name and then said " are you still receiving mail '' and disclosed my private address to a third party, then disclosed the details of when the loan was taken out. 
After contacting the same phone number and addressing my concern with the supervisor " XXXX '' she then attempted to deny the call ever happened with their office. 
This is a clear violation of my privacy rights, and because the call did occur XXXX is violating the deceptive practice 's of the FDCPA. 

I would request that the Consumer Protection Bureau please audit the phone records of this company. The company has XXXX complaints against them with the better business bureau.

Company response to consumer: Closed with explanation