BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022 I began to get alerts from an identity protection company there were a lot of hard inquiries hitting my credit reports. I pulled all three reports and found up to XXXX hard inquiries which were not made by me and were clearly fraudulent. 

I spoke to Equifax on XX/XX/2022. I was told that my hard inquiries were flagged but could not be disputed until I had obtained a police report and FTC report. I was told I would be able to upload them online. ( I also placed a fraud alert and freeze with all three reporting agencies. ) On XX/XX/2022 I tried to upload the police and FTC reports. I found there was no way to do that through XXXX. I tried to submit the disputes online as well. During that process there was no way to upload any documentation. 

I called them three times and kept getting told I would have to fax them. I don't have a fax machine and would have to pay for that. Not cheap. Or I was told I could mail them in, which means printer costs, mailing costs including a Return Receipt Requested. It also means more time would pass before they would do anything. 

It is nothing short of outrageous they make this process as difficult as they do and their representatives are woefully ill-trained and uninformed. Several times different representatives provided conflicting information. 

If I could refuse to do business with Equifax I would, in a heartbeat. They call me a 'customer '. I am not a 'customer '. I did not hire them. We are all simply subject to their activities with little to no control over what they do and how they affect our lives. 

Meanwhile, I do not trust them to do anything to prevent this illegal identity theft activity from recurring. I would fire them if I could. Everything about my experience was completely horrible and it has taken me hours to deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Penn Credit Corporation
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Purchase a prepaid American Express Serve card almost {$500.00} was put on it when I purchased it. 
I activated the temporary card. I went to use it and the money is gone. I did not register it it said you can use it just activate it and use it. I needed to pay bills I was not planning on reloading it. So I use it as a temporary card like any other prepaid card that I've used I've never had a problem with. Use this for the first time and this is a horrible experience. Contact a customer service couple times and I was told that my name was not on the card it was someone else 's name. And then just received an email stating I authorized the purchase a {$450.00} so I will not get my money back and that is that it will not even let you reply to their email. They will not explain what happened if I authorized something I would like to see my name somewhere. Me being told another name was on the card that I had in my possession in my hand. Pretty much tells me fraud. So if they are not willing to tell me what I authorized and let me know all the information then they're hiding something. They've already told me that there's someone else 's name on the card. They will not give me any more but you authorized it we're not paying you back. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: EQUIFAX, 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:
Equifax shows a unnamed account on my credit report for XXXX there is NO NAME no phone number no company provided with NO OWNERSHIP see photo attached ive tried to contact Equifax and was hung up twice and disconnected twice, ive disputed the info on their website with no success. 

this is fraud at its finest, not to mention the unprofessionalism on Equifax part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I set up an autopayment for my mortgage company Amerihome Mortgage, which was, unknown to me, not going into effect until after the due date. Once the account was made delinquent, due to the autopayment, not processing, the future autopayments were not made because the company will not process autopayments on accounts in " delinquency. '' Throughout this process, the company maintains that it made attempts to contact me, however, I have no receipt of any attempts to contact me until the date which I was made aware of the delinquency in early XXXX. The entire time that the company was " not receiving payments '' they had my bank account information and autopay permission on file. The company advised me that they called me at the number on file, which is the number I listed as my employer 's number, not my primary contact. As well, no email was sent to my contact address regarding any delinquency or missed payments. I have received no contact regarding this issue until XXXX. When I addressed the issue with Amerihome, they stated they would file an inquiry. I received the decision on the inquiry today that no adjustments are warranted. I believe Amerihome Mortgage is participating in predatory practices designed to intentionally place borrowers in delinquency. When I attempted to contact the company again, I was greeted by two extremely defensive and uncooperative customer service agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: MARINER FINANCE, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was a co-signer for a loan entered in to onXX/XX/XXXX for {$2900.00} with a maturity date of XX/XX/XXXX, the monthly payments were {$98.00} per month for 35 months. This account was paid off XX/XX/XXXX ( Paid off early and in full ) While I was looking over my credit report I seen where this company had reported several late pays to my credit reports, There was never any late payments at all. Every payment was made 1-2 weeks early.
I have sent this company two letters to try and resolve this situation, and they have sent me computer generated ledger that does n't even have my name on it, It has the person I co-signed for listed at the top. I so not see this as any proof or verification that any of the payments were ever late, as per the FTC option letter from Attorney XXXX XXXX XXXX, A printout of a bill or itemized document does not constitute verification.
They sent me a copy of the contract and it does not have my correct name at the top, It has a last name that is not mine and surly was not legal at the time I signed the document.
Furthermore, After I sent the first letter of dispute, They failed to mark my credit reports with the credit reporting agencies as " Disputed '' This is a serious violation of the law.
They did go into my credit reports and change dates of the late pays after the second letter.
The first letter dated XX/XX/XXXX and was signed for on XX/XX/XXXX The second letter dated XX/XX/XXXX and was signed for on XX/XX/XXXX I feel that they have had ample enough time to research this a little better and send me copies of my canceled checks or take the late pays off my credit report or both. I do not feel that they did anything more than print out copies to send me and then did nothing more to investigate.
I have done extensive research on this company and found that they are notorious of holding onto payment and marking them late so they can get late payments from their consumers. However even though they marked my credit reports as late pays, There was never no late fees paid to this company from us

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 2022-02-13
Company: Experian Information Solutions 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:
On XX/XX/2021, I Reached out to XXXX XXXX in regards to a debt they are saying I owe. I talked to a rep from XXXX XXXX explaining that the information was invalid. I also mailed them a copy of my police report & disputed letters asking them to remove the inaccurate information they are stating I owe {$920.00}. When i spoke with the rep she said they cant remove it unless i pay half. This account is not mines so i feel as though i should not be responsible to pay 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 non-monetary relief
Consumer complaint received 2018-04-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing a fraudulent account where charges were made on XXXX XXXX XXXXXXXX account for months now. Finally XXXX has removed and deleted this account off my credit report. I disputed this also with experian numerous times and it is still appearing as an adverse account on my experian credit report. I have submitted proof plus the fraud form and the disputed item but experian is still currently reporting it. I am getting to the point where I have been more than enough patient with experian and XXXX in resolving this issue as it is causing me a hardship in obtaining substantial credit with this account on my credit report. I did NOT do these charges and I am at the point of obtaining legal advise in suing experian and XXXX for ruining my creditworthiness as they are not correcting this problem.

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 2022-07-13
Company: EQUIFAX, 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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was scammed by a group claiming to be XXXX ( electric company ), stating that my payment was late and my electric will be shut off within the hour. If I used the XXXX service, it would be expedient and prevent the disconnection in time. I fell for it. They knew my name, they knew I was a few days late with payment, and they knew the amount of my payment. Having this information made it appear legitimate to me. I set up the XXXX as they instructed, and sent payment. I quickly realized that it was not legitimate once they started to ask further information about my banking institution. Given the instantaneous nature of XXXX, I was not able to reverse the transaction that was put into motion mere seconds earlier. I hung up and called my bank within minutes, and was told that there was nothing they could do to reverse the transaction. They then told me that I could not be reimbursed and I had no recourse, since it was considered an authorization on my part. My financial institution did not even try to say that they will look into it- they immediately told me I was at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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: Old information reappears or never goes away

Complaint:
There is a hard inquiry on my credit report from XXXX XXXX XXXX which is scheduled to drop off in XX/XX/2022. I am therefore requesting an early exclusion ( deletion ) of this item from my credit report please. This company has a policy that states that persons can request an early exclusion or deletion of an item up to two months before the due deletion date. 
I am therefore asking you please to delete the hard inquiry of XXXX XXXX XXXX from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: CAVALRY INVESTMENTS, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Cavalry SPV LLC is suing me for an old debt with XXXX XXXX. I have moved 4 times in 3 years. I was not properly notified of a lawsuit or continued issue with XXXX XXXX  since they no longer exist. The debt has not been properly verified.
I opened an account with XXXX XXXX through a XXXX XXXX  store in XX/XX/XXXX. XXXX XXXX wrote off this alleged debt off in XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX became XXXX XXXX. Cavalry SPV bought the alleged debt from XXXX XXXX inXX/XX/XXXX. I dispute the fact that I can be sued for the alleged debt that did not exist as ofXX/XX/XXXX. The plaintiff is named as Cavalry SPV, assignee for XXXX XXXX XXXX XXXX. The plaintiff in this lawsuit is an assignee for a company that no longer exists. Nowhere in the actual lawsuit filing itself is the mention of XXXX XXXX. These details point directly to fraudulent business practices and debt collection directed to a consumer. Cavalry SPV has been named in and accused of fraudulent business practices against consumers for the purpose of collecting zombie debt before and judgements have been issued for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So this debt collector put a {$270.00} debt on my credit report. I have disputed it several times, they say the debt is valid to the credit agencies, but even after asking for written proof of the debt, or disputing it several times, they have not sent me ANY communication, any letters, and have NEVER contacted me once about this alleged debt. I do not know who they are, who the company they represent is, what the debt is for, nor have I ever heard of the original company. I do not know who the original company is after looking them up. It seems to be a medical company from XXXX or XXXX XXXX Florida. I have never heard of the provider or any of the doctors listed on the XXXX XXXX OF FL website that I attempted to contact. I have never been to a doctor in XXXX or XXXX XXXX, FL ( closest to me ) or the other 14 cities far from me, where the doctors are listed from in FL. They refuse to send me any communications or proof of debt for well over 2 years that I've been disputing this debt, and I want the item removed from all credit reports.

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 2017-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They tell me that I had owed a debt from  XXXX  credit card, and they can not sue for it due to the age of the debt. I tell them that I am on a fixed income and they still offer me a high amount to pay it off. When I asked to stop or cease contact they refuse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About 2years ago I was contacted by XXXX as my name was used to open 10 different cable accounts fraudulently at the same time. They had sent my name to collection agencies. After going through they concluded that it was fraud wrote me a letter apologising and promising they will erase the fraudulent accounts. However going forward I see this was not done. I still get calls from the collection agencies for debt even though XXXX said they were going to remove them. I have contacted XXXX  severally and they even said in some occasions that it is not showing in their system that I owe.I have contacted the collection agencies and they are stating XXXX has to send them a letter. I have contacted XXXX and they are saying they have no record of debt but however the collection agencies are keeping the debt as a ding in my credit reports. Please save me from these wicked souls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Experian Information Solutions Inc.
State: CA
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:
The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX XXXX, XXXX XXXX CARD SER.. .. the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I sent a letter to the credit bureaus on XX/XX/XXXX, disputing 3 errors on my credit report. THey were supposed to investigate and respond by early XXXX, but they have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX accounts, no account numbers shown, 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 2022-02-13
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Comenity bank I XXXX XXXX the Living in person have tried to once & for all dispute this account on XX/XX/XXXX however after multiple attempts I have not been successful after reaching out by phone & demanding to speak with a supervisor I was told Comentity bank agent XXXX told me they could not discuss my account with me & that she couldnt answer any of my questions pertaining to Comenity bank still illegally furnishing on my consumer report while my account is still currently under investigation as well without my consent the original XXXX XXXX living person! You still have & continue to use these practices violating my Federally Protected consumer rights 15 usc 1692 ( 6 ) ( a ) ( 2 ) ( 3 ) ( B ) pursuant to 15 usc 1692 ( d ) ( I ) following 15 usc 1692 ( e ) 15 usc 1692 ( j ) Pursuant 15 usc 1611 Willing-fully and knowing Comenity bank reported a stays update on XX/XX/XXXX, Two late fees on XX/XX/XXXX consistently Voilatiang my rights accordingly to the TILA Pursuant to 15 usc 1692 ( k ) ( a ) I Demand you refund on all any & all payments made on the account social ending in ( XXXX ) since the account has been opened on XX/XX/XXXX I wish to rescind on all contract pertaining to my childrens place credit card account because of Comenity Bank illegal practices I have suffered from the information was shared with third party agencies 15 usc ( 13 ) Discrimination in the process of buying a home, leasing or financing a vehicle for me & my children Comenity Bank has cause me pain, suffering, frustration, time money ect..

Company response to consumer: Closed with non-monetary relief