BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-05
Company: Consumer Recovery Solutions, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a phone call stating that a XXXX XXXX had received my file via fax and she was going to serve me court papers on Friday XX/XX/XXXX. They also left this same voicemail with my name on three other peoples phone. I called the number back and spoke with a guy who said I owed XXXX from XXXX. He said it was for a bank account and I asked him to send me information on what I owed. He said the only way I could see that is if I didn't pay and got sued. Then I could ask for it from the Judge. I told him I would not pay this without seeing what the charges were for. They have called me 2 more times today.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-02
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hi Ive been a XXXX bank customer for about a year now with a XXXX  credit card. I currently have a payment due of {$100.00} since I had missed a months payment. Today ALONE I have received 3 phone calls and I am in XXXX so its only XXXX XXXX!!!! They call from a bunch of different phone numbers and the past few days theyve been calling from an unknown number and they refuse to tell me who they are until I confirm that I am who I say I am which Im not comfortable giving my info over the phone until I know who Im speaking to. Theyve called me two days before my payment is even due to remind me. I feel like Im dealing with the mob. My credit card is not in collections so to be HARRASSED from XXXX until XXXX XXXX   over {$100.00} is absolutely obscene. Yesterday was 8 phone calls and Majority of the time the person on the phone is nasty and Im at the point where Im going to cancel the card so I dont have to deal with the harassment anymore. Its affecting my quality of life being tortured by a credit card company. My limit is {$500.00} so I can only imagine how they harass people who have much higher limits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
The accounts that are not mine which should be deleted are : XXXX  CARD account number XXXX As you will see, many of these accounts have the same opening date. As you will also see from a review of my full credit history, before these accounts were opened, I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2022-04-10
Company: Experian Information Solutions Inc.
State: IN
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:
In accordance with the Fair Credit Reporting act XXXX  Account, family support individual XX/XX/XXXX acctXXXX ...., XXXX XXXX  XX/XX/XXXX XXXX ...., XXXX XXXX XX/XX/XXXX 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

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 2016-09-29
Company: Revenue Assistance Corporation dba Revenue Group
State: GA
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:
To : Consumer Financial Protection Re : RevenueGroup Dear Sir or Madam, I was not pleased with the service that was rendered by XXXX XXXX XXXX. I have several reasons why I should not pay : 1. The work was not done within the three day nullifying the timeframe to accept orreject the service. The service was rendered almost two weeks after the agreement was signed. 
2. We were not informed we needed to move. 
3. Several attempts were made calling the inspector. When she finally answered, she came out and said this infestation was caused by leaks in the ceiling. Then proceeded to say we can kill the termites with XXXX. 
4. I was told I would receive a payment booklet. None of the papers I kept had what I should pay a month. Therefore, I was waiting for the payment book to send in a payment. I did not receive the payment book. Not long after, I received a threatening letter from XXXX. 
5. The work under the house was incomplete. 
6. I would have never paid anything if I did n't have intentions of following through on my end. However, the company did not follow through on their end. 
7. This account was unjustifiably turned over to your company. 
8. My payment should be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX of 2015, I moved fromXXXX XXXX, XXXX XXXX ca XXXX to XXXX XXXX, XXXX XXXX, ca XXXX, my cable co now and then was XXXX XXXX, per thier instruction I left the cable 's equipments on the old home and paid my balance in full, few todays ago I tried to refinance my new home for better rate, I notice I had unpaid debt from XXXX that reported to Credit Controll, so I called XXXX and spoke to XXXX XXXX XXXX, after 10 minutes of researched he did locate the equipment at old resident and noted the account and reported to XXXX XXXX but due to error in reporting me to credit bureaus without notifying and now it costing me almost few hundred dollors amount, XXXX and credit Control must emmedaietly remove this costly reporting error to credit bureaus and FCPB make them to pay penatly for destroying my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This regards a car loan financed by First Hawaiian Bank. My girlfriend and I have been making over the amount of payments to pay down the debts. We made inquiries about why their records do not reflect the payments. They have not gotten back to me as why. On XXXX/XXXX/2015 the loan was for XXXX. I have applied at least XXXX or more not sure it could be more because my girlfriend made payments from her FHB first line in which the bank had ceased her account, without good reason. She has never been late for any of her personal line payments. But, XXXX from the car loan department was supplied with her first line account information requesting her to please cross reference payments that were applied to my car loan. This is almost a year and FHB car loan does not reflect all the payments made towards the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Ditech Financial LLC
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XX/XX/XXXX our auto loan from XXXX was sold to Greentree. The original loan agreement included insurance for loss of income and we were paying additional fees to have this coverage. Upon the loss of income this past XX/XX/XXXX we contacted Greentree and they informed us that we did n't have coverage. After review of the contract agreement from Greentree they indicated that the insurance was in fact still in effect because it was included with the monthly payment and they informed us to contact XXXX of XXXX carriers for our insurance claim. XXXX XXXX XXXX and XXXX XXXX company. Upon contacting each insurance company, they indicated we were not covered as of XX/XX/XXXX because premiums were not paid. As we have tried to continue with the payment despite the loss of income to Greentree we continue to pay the premium for insurance of which we do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent written request on multiple occasions to XXXX XXXX requesting VALIDATION of a debt that is listed on my credit file, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). XXXX XXXX failed to validate the debt after multiple attempts to resolve this issue. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Ive had a chase auto loan since XX/XX/XXXX. Ive never had ONE missed payment. However, Im XXXX XXXX in the military and missed two monthly payments as my family switched bank accounts while I was XXXX. I just added my new bank account however, Im worried about what this is going to do to my credit. Last time this happened was 2 years ago and the Chase Auto loan specialist fixed everything on the phone and made sure I wasnt getting charged extra and that my credit wasnt going to get affected by this. He did this by backdating I believe. But now the same problem is occurring once again and Ive spent 3 hours on the phone with Chase, fighting and trying to fix this. Chase transferred me to the military line and theyre investigating my profile and XXXX XXXX dates because my profile meets the FDRA requirements and will cap my interest rate at 4 %. This is good, but it can take 30 days or longer, which isnt good especially for my credit. The chase auto loan specialists were pretty rude on the phone. I spoke to one who didnt know what he was talking about and then notified him that the previous chase specialist in XXXX fixed everything and backdated it for me and I hadnt had an issue in 2 years. I asked him to do the same thing for me and he refused. This is against FDRA policy to do this. Anyway, I not only linked my new bank account for autopay on this account but I called again and spoke to XXXX, a supervisor at XXXX EST and we got the account current for the months I was XXXX. Now that that is all done, he said to do this to get the additional fees removed for return check fee and late charges. Returned check fee is because I switched banks and the late charges are from my XXXX. Im XXXX again in a couple of days so please fix this and get the fees taken care of chase and please make sure that these two payments are not going to negatively affect my credit. I will pursue this in small claims court if I have to. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit Bureau is stalling with saying that my identification was not valid when ive sent all the required docs.

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 2022-04-10
Company: EQUIFAX, INC.
State: IN
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:
In accordance with the Fair Credit Reporting act XXXX  Account, family support individual XX/XX/XXXX acct:XXXX ...., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20
Company: R & B Corporation of Virginia
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit control corp has ruined my credit history, it prevented me from getting approved for home loan due to multiple agencies keep collecting and selling the same debt to other debts collector agencies making it look like i have more debt than i actually do, i already paid what i owe to XXXX that has sold my original account to multiple agencies collecting the same debt.it stills shows on my credit history and my wife as well even when i paid off my original debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: NV
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:
When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. 
XXXX XXXX Balance Owed : {$35000.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. 
XXXX XXXX Balance Owed : {$35000.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00}.

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 non-monetary relief
Consumer complaint received 2020-07-23
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My PayPal account is XXXX. There is {$10000.00} missing on XX/XX/2020. The account balance is XXXX. Please refund me the money {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have contacted Experian several times by mail for errors on my report 1.XXXX XXXX XXXX  # XXXX reporting late XX/XX/XXXX this needs to be updated to reflect pays as agreed NEVER LATE. 
2.XXXX  XXXX # XXXX This mess should be removed IMMEDIATELY! 
3.XXXX  XXXX XXXX XXXX Account XXXX reporting late payment XX/XX/XXXX. My. rights are being violated. As stated by FCRA 611 ( a ) ( 7 ) I asked for a copy of all the information given to them from the investigation proving everything stated here is accurate as they are reporting. I have serious concerns about their so called investigations. On the XXXX XXXX XXXX account did they receive documents from XXXX XXXX XXXX  or was it XXXX? For the late date they are reporting XX/XX/XXXX the account belonged to XXXX. On the XXXX account what documents were received to prove this should be valid for reporting on my credit file.. The XXXX account where there any documents sent??? I have a hard time believing their generic responses. If Experian has verified what they're stating they verified why have I yet to receive the documents requested??? This doesn't make sense AT ALL. I'm highly frustrated as they continue to report incorrectly. I'm being affected by having to pay higher deposits and interest rates. I have been denied a place to rent because of my credit file.

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 2015-06-04
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Greentree has continued to attempt to collect a debt which was : * discharged debt according to credit report and no longer have right to continue to harass past borrower and continue collection efforts* they received asset and sold asset as full satisfaction of debt* MN Attorney General ruled they acted wrongfully and Greentree paid settlement to me for wrongful actions* Mn Attorney General obtained a signed a settlement and they need to discontinue any further collection efforts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, Equifax, XXXX and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, Equifax, XXXX and XXXX. 

Thank you, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation