BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, Experian, XXXX, XXXX, and XXXX XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX or XXXX XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX    XXXX veteran  very difficult.

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 2020-01-13
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance {$120.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2016-02-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is an inaccurate late charge being reported on my equifax file that I have disputed with both creditor and equifax a total of 9 times. The creditor continues to tell me that they have notified equifax to update their files however that has not happened. Equifax continues to tell me they investigated the information and the credit XXXX confirms it as accurate. XXXX has sent me a copy of the letter 3 times that they say they have sent to equifax ( i too have forwarded it to equifax ) however I just get the run around that they can not take the letter form me and never received it from equifax. This process began in XXXX prior to me going into the home buying process. I have not located a home and in contract and am being penalized for this inaccurate information. It is effecting my credit score which determines the rate and options I have. This has been a dauting process and I am completely drained and have not choice but to move forward with the mortgage and penalty for inaccurate information or I will lose the house. Equifax should be responsible for every dime I have to pay above what I should because they will not update this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: EQUIFAX, 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:
XXXX was collecting on two XXXX  XXXX XXXX debts ( account numbers XXXX and XXXX ). These items were paid in XXXX. The last payment prior to charge off with XXXX  XXXX XXXX was prior to XX/XX/XXXX. This puts this debt outside of the FCRA obsolescence time frame and they should NOT BE ON MY FILE. 

XXXX incorrectly put the date of last activity for payment at XX/XX/XXXX ... WHEN THEY RECEIVED THE COLLECTION FROM XXXX. This is incorrect. 

A company should not be able to just manipulate the activity date to maintain accounts on credit file beyond the federal requirement for obsolescence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019, I received a promotion from Discover titled 'earn 10 % Cashback Bonus with XXXX XXXX XXXX ' from now to XX/XX/XXXX. The term said use the XXXX XXXX XXXX between XX/XX/XXXX TO XX/XX/XXXX and received 10 % cash back bonus within 10 weeks of the promotion end date. I made the purchase on XX/XX/XXXX of amount {$85.00}, I should get {$8.00} in my cashback reward account. It's been more than 10 weeks and I still did not see any promised 10 % cashback on my account. I contacted them in XXXX and the do not have a straightforward resonse. They just say you will see that within 10 weeks but I can not see that now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a vehicle from XXXX who have since changed their name to Bridgecrest. 
My first vehicle from XXXX was paid in full and title was released to me upon final payment. I then purchased a second car from bridgecrest XX/XX/2016. They advised me because of good standings with 1st purchase, I ccould take the second vehicle off lot with no money down. I made payments on time as stated in contract. 

Some time after I began experiencing XXXX issues that caused me to be on a leave of absence from work, but still managed to make on time payments. A few months later My job closed due to president emergency shut down for pandemic. At this time I contacted bridgecrest to try and get some help because not only was I off work, but My child daycare closed also! I advised bridgecrest that I was recieving unemployment, and needed to make some type of arrangement so I would not lose my vehicle after going through this traggic situation. thats when they advised me that my vehicle was already charged off and could be picked up at any time. me panicing after I had paid so much into the loan, crying and scrambling for answers. I asked to speak with supervisor, thats when she stated that if i can come up with a couple thousand dollars, they would reinstate with no grace period, due every XXXX of month and if not paid by XXXX on that day the vehicle will be repossed. Going through this financial hardship, trying to care for kids and facing eviction i took all i had to make it possible for me to keep vehicle so i can Maintain employment. the company advised me i will not be directly apart of bridgecrest to look at my account or make arrangements, only to pay. This hurt me so bad, because A company that I have been with so many years, and did business with would just kick me out going through the worst time of my life! following the shut down I was pressed to find new employment, and I did. Thats when i called to see if the company would do something to help change my due date, as the plan would go with My old employer. The staff was very nasty toward me saying, im on strict plan and it can not be changed, if I dont make the payment as stated they will come and reposses my vehicle. It is so unfair to treat a human this way. Im just a single Mother who is trying her best to survive, with all the health issues I have they are contributing tremendously. The car price started off at XXXX i now have XXXX left on this loan. I have paid for this car over 3 times! Im asking that this be taking off charge off status or just cease loan and release title, but at this point repossesion is not an option. I have put to much money and time and it would be a disgrace for bridgecrest to try and take my vehicle away. PLEASE PLEASE HELP!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a fraudulent charge on my chase freedom unlimited account for {$1400.00} on XX/XX/22 for XXXX. I disputed this charge but it was reinstated as XXXX XXXX is claiming this was a legitimate charge. On XX/XX/22 I received a text from chase for fraudulent charge alert for XXXX for {$1300.00}. This notes an additional fraudulent attempt on the same site which chase recognizes as a fraudulent charge, however they are claiming the first charge as being legitimate. 

I did not make these purchases, and as a matter of fact I do not use XXXX. Ive never received the product that was purchased. Please help me. And thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OAC COLLECTIONS IS REPORTING DEROGATORY INFORMATION TO MY CONSUMER CREDIT REPORT : Attempts to collect debt not owed. Debt is not mines. 

OAC Collection Specialists, Inc. ( OAC ) is a third-party collection agency based in Wisconsin. OAC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including failure to verify debts and attempting to collect debts not owed.

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 2021-01-30
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent {$1800.00} western union to a friend after I sent it I received an email from western union that they needed me to call to varify information. 
When I called the began to interrogate me and ask personal questions about my relationship with my friend exactly why am I sending this money, when I last seen him in person why I didnt give him the money then how long I know him feeling violated I did not answer the questions to there liking the cancelled the western union and have not yet refunded me my money I was told I 24 hours. 
I feel my rights were violated by this phone call and would like to put a complaint against this type of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: SYNCHRONY FINANCIAL
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I called Synchrony Bank on XX/XX/21 to close a CD. I was told it would take 3-4 days before the account could be closed. I challenged this delay, but got nowhere. Three days later, I got an email saying my account was closed and the money had been transferred. But when checking my other bank account at another institution, the money was not there. My money had NOT been transferred. So, I called Synchrony again on XX/XX/21 and was told it would be 3-4 days before the money could be electronically transferred to my bank. I told them they lied when they originally said it it would take 3-4 days to get the money. They deliberately hold on to other people 's money as long as they can. These people are XXXX crooks!

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 2022-02-21
Company: Eastern Account Systems of Connecticut, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Eastern Account Systems claims that I owe them money as a debt collector for XXXX XXXX Previously I had an account with XXXX XXXX the pay-off amount for my account with XXXX  was {$370.00}. That account was paid in FULL Friday, XX/XX/2022. ON that same day I contacted Eastern Account Systems and informed them that this account was paid in full and that I needed that noted. I spoke with a representative for them by the name of XXXX XXXX, she asked me to email her receipt of that payment and she would take care of it. I emailed her while we were on the phone and apparently, she didn't take care of it. Eastern Account Systems still has me owing them this debt. How? I have the paperwork attached to prove it, an official receipt from 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 2017-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2015-05-22
Company: Pollack & Rosen, P.A.
State: FL
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:
I had lasik at the XXXX institute. it is XXXX per eye UNLESS you opt for the lifetime assurance, I did that, the bill then was XXXX. I have no paper work and no one will provide me any either. REGARDLESS, they breached the contract a year later when they neglected to see me. I tried explaining this to XXXX XXXX that owned the debt but they sued, used hayt and hayt and their attorney that told me it did not matter that the debt wasnt valid, the judge would believe them, and i could claim head of household and they wouldnt collect due due that status but to be clear the judge would side in their favor anyway. I was scared and I signed the paper. Now XXXX attorneys are trying to garnish me for this debt I dont owe. XXXX ward at the lasik institute said I dont owe the debt and that I couldnt use the lifetime, she stated she would call XXXX. I also did a BBB complaint and in that they replied the debt had been sold, they know nothing about any payments and if i wanted I could come back anytime. this is totally contradicting the information that took me numerous calls and a solid week to collect -- I do not want to do this it has been since 2005 when I had this done. I would never trust them to do anything to my eyes. I believe the statement was false to make it seem on the BBB that they were accommodating. The main point is they breached the contract and I just want to be held accountable to the once and done pricing of XXXX a eye which i believe is fair to all parties and was paid the first year. After they failed to honor the contract, I defaulted after that because the company always made excuses to " return my calls '' " computers down '' and answering machine messages were my only contact options -- at that time they told me I had to see them for the lifetime yet they made NO attempts to allow me to see them.Someone needs to contact XXXX and tell them they purchased a fraudulent debt and are pursuing a single mom head of household supporting my son person. someone should then investigate the lasik vision institute for their shady practices. I should not own this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX In XXXX I took out a loan for {$140000.00} with USBANK. This loan when I took it out was a HELOC. ( It was a revolving line of credit. ). Then in XX/XX/XXXXUSBANK converted the loan to a XXXX ( MORTGAGE ) that does not have a revolving line of credit. But USBANK did not amend the DEED OF TRUST that they used to record the loan on title. On XXXX XXXX I applied for a HOME Equity Line of Credit with XXXX. Aproximately 3 weeks later I found out that there was a problem with how USBANK had recorded the current loan ( {$140000.00} ) was recorded on the title of my house. I brought this to USBANK attention right away but they took 3 months getting back to me with a definite answer. They said they had done nothing wrong. Though they wrote me several letters that stated. 1. they had done nothing wrong. 2. They had reported everything properly. 3 That I had a MORTGAGE and did not have a revolving line of Credit. 4 That the mistake was not theres but it was the title company 's ( XXXX XXXX XXXX ) who misinterpreted what they recorded. I have found out that that the only instrument that USBANK recorded was a Deed of trust that clearly states that I have line of credit with a max loan amount of {$140000.00}. This was correct in XX/XX/XXXXwhen it was recorded but when USBANK changed my loan in XXXX to a mortgage without a LINE OF CREDIT there should have been an amendment to the the original deed of trust. As a result of their failure to amend the DEAD OF TRUST. I had my loan with XXXX cancled and had to restart my loan at .25 % higher rate after USBANK finally put in writing that I do not have line of credit and actually have a MORTGAGE. I believe also that USBank has done the same thing to all of their customers who had HOME EQUITY LOANS with them prior to XXXX when they converted all of them to mortgages. I Believe that USBANK should pay the difference in the cost of my loan over the life of my loan. ( {$5300.00}. ) This is the damage that I am incurring as a result of 1. USBanks slow decision making ( 3 months ). 2. The fact that USbank never amended the Deed of Trust to reflect the loan change that they made in XXXX. Sincerely, XXXX XXXX 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 2022-02-21
Company: SIMM Associates, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I don't understand that infomation you need. I don't know anything about the colleccion. A few months ago I found this SIMM ASSOCIATES collection which I sent letters for more than 30 days and I have not had any response from them, THEY DO NOT ANSWER THE LETTER I SEND THEM NOR DO THEY SEND THE INFORMATION REQUESTED TO VALIDATE THE DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: TN
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've been trying to dispute some inaccurate items that's on my report since XX/XX/2022. The items that are still reporting on my credit profile are in direct violation of the FCRA and my issue still haven't been resolved. This on-going situation is causing me an unbearable amount of stress and the credit bureaus are leaving me no choice but to file for litigation. This complaint is also about my most recent letters I sent into the bureaus about verifying the information on XX/XX/2022. I have yet to hear a response 45 days later. Please help me resolve this issue.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am a victim of identity theft and these accounts DONOT belong to me nor did I authorize anyone to. Thank you.

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 2021-10-07
Company: J. Ritter Law P.C.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Please see attached documents, In the same exact letter J Ritter stated that they reached me in attempt to Collect a debt owed and that All written communications are from an attorney

Company response to consumer: Closed with explanation