BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax has reported XXXX x Hard Inquiries by the same company on my credit within a 30-day period ( XXXX was XX/XX/2014 and one was XX/XX/2014 ). Experian and Transunion had the same information on my credit and once I called them, they both removed the XXXX hard Inquiry due to the fact that if there are XXXX Inquiries by the same company within a 30day period, it should only count as XXXX. I was told by both XXXX and XXXX that this is a regulation put in place and all XXXX credit agencies abide by the same rules but when I called Equifax, they said that within 30-days means it has to be in the same Calendar month and not actually within a 30-day period. The XXXX people I have contacted both spoke somewhat broken English and when I tried to explain to them that within a month means within a XXXX day period and not actually the same calendar month, I was told that I 'm wrong ( even though the other XXXX agencies agreed with me and removed the Inquiry ) and that unless its in the same calendar month they wont remove it for me. I have called them several times and spoke to XXXX different supervisors and they both refuse to help me with this. Is there anything you can do to help me? I was told by both other agencies that I was correct and the XXXX Inquiry was removed immediately. 

Thank you in Advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to XXXX like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do XXXX every XXXX months like I had in the past. I went through bankruptcy in XXXX and have been rebuilding my credit since then -- this is the XXXX time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each XXXX, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the XXXX time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all XXXX bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
All information is contained in the attached XXXX page document outlining my experience and grievance regarding Fifth Third Bank , National Association. 

The goal of submitting my grievance is to focus a spotlight on the questionable business practices, customer treatment, and employee treatment executed by Fifth Third Bank , National Association.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$600.00} I got scammed thinking I was purchasing a puppy. When I called the bank on XX/XX/XXXX after finding out it was a scam, the bank ( XXXX/Zelle ) they refused to stop or refund the money. I was told there was nothing they could do. I have contacted an individual at the address provided by the scammer and she told me her identity was stolen two weeks before when she fell for the same scam. I have also contacted my XXXX to file a claim for possible identity theft, but I have not received any help from them either as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I am POA and son of my mother and this complaint is about the reckless disregard Shell Point Mortgage services acted during my mother 's loan and during the closing process to buy out her debt. I filed a claim with the state attorney general of Colorado as well as the XXXX of XXXX SC. During the closing they asked for 3 months of interest 177days with out explanation as to why then need more than most banks of 30-90days. I could not nor could XXXX XXXX the loan company buying out the loan get Shell Point to explain this. Also the phone numbers they provided had their mail boxes full so you could not leave a message. they sent 3 registered letters with the same information that did not explain what was asked. They claimed to not to be able to get a hold of my mother or I and that my voice mail was full which it not true or accurate. I sent them 4 copies of my POA they claimed they never got. They made an extra {$1400.00} by manipulating the principal and interest claiming we had paid 3 payments to principal and not to interest. Which is not true. Because that's all my mother has paid since 2007 on this 13 % interest where only {$30.00} dollars went to principal a month. They now claim they did make a mistake and owe her {$37.00}, but they owe her more. They refused to send me her loan agreement. I feel what they've done to my XXXX old mother is fraud. and I would like your help.I can provide payment records and my correspondences with the bank Shell Points mailing address and her Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, SC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I attempted to go through the dispute process with Equifax regarding an erroneous item on my credit report allegedly involving XXXX XXXX. The amount being claimed is {$2500.00}. This item originally was brought by XXXX XXXX XXXX. I complained. I subsequently tried to have my credit cleared. It was then pursued by XXXX XXXX XXXX XXXX after I went through the Equifax and XXXX dispute process. The only cellular phone services I ever used were XXXX XXXX and my current carrier, XXXX. I never had a XXXX account. I am also concerned about the fact that the item appears as " open '' anew once a new collection firm acquires the matter. This is very unfair. I feel that as a consumer, I am being abused by both Equifax and XXXX. They conduct themselves in a manner that is biased against the consumer and favorable to corporate interests. In this instance, I am having a harder time getting this erroneous matter off of my credit report than these corporations have getting them on my report. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: CITIZENS FINANCIAL GROUP, 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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft CITIZENS BANK Account Number : XXXX This is not mine. 

3. XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My account I had with Credit Acceptance was paid in full on XXXX 2010. It is currently being reported as " charged-off '' and a " collection '' account on my XXXX credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the last few years, I have noticed an account being reported to the major credit bureaus, like  XXXX  and  XXXX   XXXX , regarding an amount that  Trident Asset Management is   collecting. Apparently it bought a debt  XXXX  it claims I owe, in the amount of {$1600.00}.   Some years ago, when the account was still with  XXXX , I found it showing on my credit report. I had disputed it, explaining I had returned all the leased equipment when I discontinued service. It was removed from my credit. I have disputed this debt multiple times with  Trident  and it remains unchanged.   When the account was reported by  XXXX  years ago, it showed a delinquency date of  XXXX    XXXX  . When I look at my credit report and compare what  Trident  has reported, I see that Trident has re-aged the debt and now reports it as   XXXX   XXXX    , six months later than that reported by  XXXX . The re-aging of this account will invariably result in it remaining on my credit even longer, doing further damage with the wholly inaccurate debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was charged {$20.00} by " XXXX XXXX '' through XXXX XXXX without written autorization and want a refund ... .ttried advised number of XXXX XXXX XXXX XXXX XXXX threy are unable or do not want to pick up phone or respond to a message ... can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-10
Company: Pioneer Credit Company, Inc
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I Held the check Pioneer Credit sent me for about 30 days before cashing it. I call Pioneer credit before cashing the check asking them if I pay off the loan early will there be any prepayment or other fee 's and what will the pay off amount be since I will not have the loan for the full term. I was advised there are no additional fee 's and I can call in to get a payoff amount anytime. After cashing the check, more then 30 days later I never received a statement in the mail. Pioneer Credit called me stating I have a pass due balance, I told them I never received a bill, I was advise that they do not send out bills, I ask why did n't you disclose that? They said they just do n't do that and waive the late fee and advise me to go to the website and create a account. When the next billing period came around there website would not allow me to register, so I called them and was told there is nothing they can do about the website but they can manually send me monthly statements as a courtesy. I never received any statements from this company. Once I realize my bill was coming up with them, I call to pay and get the payoff amount. I was told by a female ( note I misplaced were I wrote her name down at ) it was {$2500.00}, I ask why is no money getting applied toward the principle, she stated she do n't know and put he on hold several minutes to look into, when she came back she said its only based on the full loan term. I stated I 'm not keeping this loan the full term I want to pay it off because there 's too many problems with this loan. She then became irate saying you signed for it just look at the paperwork. I then stated this company seem like loan sharks and ask to speak to the manager. I ask him the same questions he gave me a higher number XXXX and XXXX if I wait until next month. I stated what? that makes no since why is n't my balance going down? The manager stated he was not educated in that field and cant answer my question and apologize for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
it's been well over 30 days since my letters and dispute that I send in. I have not hear from anyone about the investigation about the incorrect information on my credit report Yes I send it to all three credit company.

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 2021-06-25
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 belongs to someone else

Complaint:
Ive sent numerous 605b and FTC reports to XXXX  Equifax and XXXX. All 3 companies have ignored my letters. I also requested updated credit report be sent via us mail. Upon checking my credit in mid XX/XX/2021. I discovered Fraudulent Accounts on my report. 
The following fraudulent accounts are 1XXXX XXXX {$500.00} Ive never done business with this company or entered into a signed contract with this company. This is a fraudulent account 2. XXXX, XXXX XXXX XXXX XXXX {$270.00} Ive never done business with this company or entered into a signed contract with this company. This account is fraudulent!! 
3. XXXX XXXX XXXX is also a fraudulent account! 

XXXX XXXX ( isnt my name ) Ive never used it that way please see ftc report/ 605b all attached

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Friendly Finance Corporation
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they call me everyday sometimes 2-4 times in 1 day, they call my job 2-3 times a day, and they even send text messages everyday to my phone. Is there anything I can do, I owe them and pay but I pay late but the calls so often make life even more XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
hello I had an account with paypal last year and purchased certain items from XXXX and never gotten my item so I filed a complaint and paypal shut down my account and refused to close it or let me close it but said go ahead and reopen a new account so I did with my same personal information. 
now with the new account I filed an item complaint in which I received my refund from the seller but paypal shutdown my account again and claim that I have too many complaints and I can no longer have a paypal account and refused to close my old account or new one what can the CFPB do for me. 
I want paypal to close both my accounts to be satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe money to XXXX XXXX. They sent the debt to ic system, and they have been calling my wife about my debt repeatedly, even after saying they wo n't call anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: AZ
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 requesting delettion of Department of Educarion/ XXXX removed from my consumer report. XXXX XXXX and Experian had no written content from my and PER 15 USC 1681B ( a ) ( 12 ) in accordance with the written instructions of the consumer to who it relates. PLEASE ASK XXXX XXXX AND EXPERIAN TO PRODUCE A CONTRACT IN AFFIDAVIT FORM SHOWING I GAVE THEM MY WRITTEN INSTRUCTIONS TO FURNISH THIS CONSUMER REPORT WITH XXXX ON IT. 
I am requesting this be deleted from my consumer report immediately.

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my right AND for XXXX to be deleted from all 3 agencys, XXXX, Experian and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 Your company checked my credit report and put a inquiry on my report without my consent i never authorized your company to check my credit report without my knowledge. Please remove the inquiry i did not give you permisson to check my credit report. I dont have a account with your company. I wrote letters to you in XX/XX/2021 asking you to remove the inquiries i have not heard anything from you and wrote letters to XXXX  XXXX  and XXXX  credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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 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.

Company response to consumer: Closed with explanation