BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
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: Investigation took more than 30 days

Complaint:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Southwest Credit Systems, L.P.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had T-Mobile service for XXXX month prior to canceling my account. I paid my bill in full. Somehow, XXXX opened a second account in my name, when I realized they were double charging me I asked them to fix it and they said they closed the second account. Now, they are claiming I owe money on that account. I initially called and they said that my bill was paid and when I asked them to check the account number on the bill I was told that the account was canceled and they were unable to see it. I them sent them a letter certified mail ( XX/XX/2019 ) asking for a detailed bill showing where I owed XXXX, which they failed to provide. I received a letter from a collection agency on XX/XX/2019 for {$91.00}. I then contacted the FTC ( XXXX ) to report the issue. I disputed the validity of the collection under Southwest Credit XXXX with both XXXX and XXXX. XXXX allowed me to upload documentation showing the debt was invalid and already disputed, but XXXX did not. XXXX said that the debt was valid which is not true and and I should not be held responsible for a mistake on the part of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The credit bureau stated my count was properly investigated, but how is that possible if the open date is inaccurate, the date last reported is not accurate, they updated an account that is not mine, the ground for removal, they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions Also the credit bureaus took more than 30 days to complete my investigation sent off by certified mail tracking #

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 2015-10-08
Company: EOS Holdings, Inc.
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Collection Agency claims that I signed a Loan Document electronically for a Private Student Loan thru XXXX College. The loan was supposedly electronically signed on XXXX/XXXX/2006. However, I didnt sign any enrollment papers for XXXX XXXX until XXXX/XXXX/2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a person who XXXX for me that now owes someone money and it has been given to Transworld Systems Inc for collection. XXXX XXXX XXXX, XXXX Delaware XXXX, phone XXXX ( the number their calling from for collection on a XXXX XXXX ). I am not him, I am his former XXXX and I XXXX him for cause a while back. They are calling me on my personal and business phone trying to get him or information on him. I have repeatedly asked them not to call me, we do not give private information out on both XXXX and XXXX XXXX. They are disrupting my XXXX, they will not stop calling and if I block the number they call from another one. I am being harassed, I am not this guy and they have to know this because I will bet they got it off a form that said XXXX or reference for the debt their trying to collect on., -- when I tried to find out who they were by calling them back they gave me this number XXXX. I am not even the guy that owes them money only he listed my number on something as a reference and they will not stop calling me after repeated attempt of me explaining that I am not him and please stop calling. They are disrupting my XXXX. I am a very XXXX XXXX XXXX XXXX, and I am at the counter talking to customers when they call most of the time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are fraudulent accounts being reported on my consumer report. I never gave consent to the furnishing of this information. I have attached the XXXX identity theft reports and dispute letter that was sent via post mail since XXXX. I demand this information be deleted immediately, it is well past the XXXX days given under the Fair Credit Reporting Act 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: AL
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 AXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Bank Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. They are harassing me constantly and causing me stress, because of these reporting I have been denied of Mortgage loans and high interest rates on Automobile loan. 


15 U.S.C 1681 Section 602 A. States that 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: MO
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:
Today XXXX2020 I attempted to call Experian. I waited 30 minutes only to have the gentleman who answered hang up on me within 1 minute.

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 2016-11-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My account has been closed twice in under 3 months by Chase. I was charged fees for not maintaining a minimum balance because the bank ( Chase ) withdrew money from my account. I have not had access to my money for nearly 3 months and now I can not access my money and I am refinancing my house tomorrow and this is causing difficulty in me being able to make the payment to complete the refinance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-03
Company: U.S. BANCORP
State: UT
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 have requested for some accounts be investigated and this investigation took well over 30 days, and is actually still in dispute.

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 2017-02-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Portfolio Recovery has not fully addressed my issue of validating the debt they seek to collect. They have provided a total of three statements which do not display how the final balance was accrued. I paid this account in full via ACH payment with the original creditor, prior to closing the account due to billing disputes, unauthorized charges, and dissatisfaction with the company 's level of customer service. In the statement printed XX/XX/XXXX it displays a balance of XXXX. The final bill printed just 4 months later ( XX/XX/XXXX ) has a balance over 3x as much as the balance in XX/XX/XXXX but there are not any statements in between these dates. The company has failed to properly validate this account to collect the amount they are attempting to collect. 

Additionally, the company is violating the FDCPA by re-aging this account from the date they acquired it versus the date that it was originally opened and the date the original creditor reported as my last payment. XXXX reports this account was opened in XX/XX/XXXX and the last payment in XX/XX/XXXX, however ; the debt collector is reporting the account was opened in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Called debt collect to inquire about my debt, told me they could not take payment or discuss debt due to a lawsuit that I have not been served for. Told them I was in the middle of moving and unable to give new address, told me they are going to XXXX  me.

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 2021-02-19
Company: Alliance One, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, I drove from Georgia to MA to visit my elderly mother. Many entities were conducting cashless tolls, including the Port Authority of New York and New Jersey. All of the signs I passed indicated that I would be mailed a bill. 

I never received a bill from the Port Authority, but several weeks ago, I received a letter, dated XX/XX/2021, from an entity called AllianceOne. There was scant information but it was trying to collect on a {$66.00} debt I purportedly owe to the Port Authority. The toll was {$16.00} and a fee was tacked on for {$50.00}. 

I called AllianceOne today to get information, fortunately, after I went to the Port Authority 's website. The website clearly states that the toll is {$16.00}, and the first late fee is {$5.00} after a month. After another month, they assess a {$50.00} late fee. I never received a bill. 

When I called AllianceOne, the person with whom I spoke on a recorded line said that the Port Authority does not have to send a bill, in case the person driving through the toll is homeless, and that it is my responsibility to call and figure out how to pay the toll over the phone. That is patently ridiculous and patently false. 

My guess is that the Port Authority and this company are working together, as the Port Authority is not sending bills, and then refers everyone for the extra {$50.00} fee, which they split with AllianceOne. This can't be legal. 

I wrote to AllianceOne today to dispute the debt and included a check for the toll amount, But they have to be ripping off lots of people traveling through the XXXX area. Please look into this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the company listed for One of the Hard Inquiries ( The first one listed below ) and found out that they represented another company that in turn misrepresented themselves to me back in XX/XX/2019. I had applied for a business loan with them only, Never was informed that my personal credit would be pulled and i Never gave permission for it to be pulled. this company turned out to be a broker who then shared my personal information with several other companies who apparently ALL pulled my personal credit without my written or otherwise permission. I have tried to dispute it, but the company representing the Broker says they can't do any more. I never gave permission to this " broker '' company to pull my credit and i definitely never gave permission for my information to be shared or any one else to pull my credit. I have several Hard Inquires now on my report that are all now Fraud. I have placed a fraud alert on my report as well as a freeze as of today XX/XX/19, but these items need to removed. 
- XXXX XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX  Inquired on XX/XX/2019 -  XXXX XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX XXXX Inquired on XX/XX/2019 - EXPERIAN XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX XXXX Inquired on XX/XX/2019 - EXPERIAN XXXX XXXX Inquired on XX/XX/2019 I am requesting that ALL of the above be removed from my Credit Report as NONE of these were done with my permission or Knowledge.

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 2016-12-13
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a loan modificaion when I was current on the loan. The current loan rate is 7.25 % interest which I 've had for many years. This is a rental property and I asked Ocwen if they would consider reducing my interest rate as the property is 41 percent owner occupied and one owner owns more than XXXX units. Ocwen offered me a even higher rate and sent me papers to sign if I wanted to proceed. I 've called and email mentioning I did not want their offer at a higher interest rate. Ocwen continues automatically drafting my account the monthly payment however they are placing them in " Suspense '' and charging me late fees. As of today I 'm two month behind in payments as they are holding my payments in Suspense. They also did a hard hit on my credit bureau file which they said they would not do. It appears they have every intention to forclose on my property and I 've tied to talk, reason and make them understand however the communicaiton with these people does not work. I need help getting this cleared up immeaditely. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRUIST FINANCIAL CORPORATION
State: SC
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:
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing TRUIST XXXX  XXXX  inquiry and I would like to see the application of credit. Under the Fair CreditReporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me.

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 2017-05-27
Company: FC HoldCo LLC
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: Account status incorrect

Complaint:
I had a car loan with  Flagship Credit Acceptance , in  XXXX    XXXX   the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to Flagship causing additional fees. Flagship received the payment in  XXXX   XXXX .When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account.     For several months a tried to get this resolved, I was told by several customer service reps that Flagship does n't mail out payoffs and that 's when i filed a complaint with the better business bureau.     Flagships poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was report ing 60 to 90 days late, Flagship being spiteful replied that the issue is resolved and now changed the account to 90 to 120 d ays late.

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 2022-03-21
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 a victim of identity theft since XXXX. Someone used my identity to open fraudulently many credit accounts, charged on these account without paying a cent. I have called all parties related to clear my name. It is very obvious that these accounts were not opened by me since they used addresses from California and I have been living in Kansas since XXXX. Also, the bad guy used one credit card to spend over {$9000.00} online purchase. If the credit company wanted to find out the truth, they could trace back to what address the online shopping items were shipped to. None of them were shipped to my Kansas address!! Someone even used a fake driver license ( with my name on it ) to open an account in CALIFORNIA! The bank accepted the fake DL without checking if that DL is legitimate or not! 
The bottom line is I called all the banks to explain my situation, filed police report, even sent my documents. I believe all the banks decided to remove the items from my credit accounts. 
BUT Experian still keeps them and still keeps my credit score low, claiming my bad credit history, which was, of course, due to identity theft! 
When I tried to dispute, Experian policy makes it almost impossible to reach. Experian policy dictates that if it is the result of identity theft, I must call, but when I call, I was placed on hold for endless playing of commercials. I can never get a human online. I used a pay-as-you-go phone. It always costs me to call around to clear my name and now I have to live with Experian 's poor service. Experian takes advantage of my vulnerable victim position. I believe such practice needs to have some consequences. 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 2017-01-21
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Payoff process

Complaint:
I have an account with CitiBank with a balance owed. I have closed the credit card and I am concerned about fraud. I am needing online access to the account to verify all purchases on this account. However, CitiBank will not give me access online nor verify all payments for the last 365 days.

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 2020-03-11
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX  XXXX- XXXX XXXX  in Texas and a debt collection company called First Credit Services , Inc in ( XXXX XXXX XXXX XXXX XXXX ) XXXX , NJ has sent out collection notices threatening to submit my brother and my names to Credit report bureau for invalid bills that were created after we requested in person to cancel our memberships in XX/XX/2019. It is a fraudulent charge where the company denies acknowledgement of our canceling the membership in person.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am a long term customer of CitiCards ( XXXX  ) with a high level of " XXXX XXXX. '' I took advantage of a promotional offer of a {$20000.00} advance@ 6.99 % on XXXX, I ascertained that my monthly payments would be for new purchases first, since any unpaid balance would have a high interest rate. 

Subsequently I was offered another promotional offer for new purchases which would be held@ 1.99 % .which I accepted. It was not made clear to me that by accepting this offer, that my payments would then go to the cash advance instead of to new purchases. {$18000.00} in payments over the last several months went to the cash advance rate of 6.99 % instead of to new purchases. I now received a surprising interest charge of {$230.00}, based on accumulated new charges. 

This is clear case of bait and switch.

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 monetary relief