BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I do not have any account with this company, have never heard of them and this needs to be deleted.

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 2021-09-29
Company: Experian Information Solutions Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I just received my credit report and I noticed an account that opened up in my name a while back. When I was in the shelter someone used my account in so many levels. This has been a rough time during the pandemic crisis

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 2020-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I received a fraud alert for my credit card through Bank of America informing me that a suspicious purchase was made. I confirmed the purchase was unauthorized ( an in-person pickup at a XXXX across the country ), filed a fraud dispute and canceled the card. I received confirmation that the fraud was being investigated, a temporary credit for the {$140.00} purchase and a new card two weeks later. I received notification on XX/XX/XXXX that the dispute had been resolved, NOT in my favor as it was consistent with my history with this merchant. Again, this was a XXXX purchase in another state in which I have never visited, and have not made a purchase at a XXXX in 6 months. When I attempted to contact Bank of America to dispute the finding, as they never asked for any information from me and this was obviously not consistent with my purchasing habits, the phone number provided simply disconnected me after a recorded message stated that due to extenuating circumstances no representatives were available to take the call. Additionally there are no means through the bank website or app to send a message or respond to their findings.

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
Consumer complaint received 2016-01-29
Company: JPMORGAN CHASE & CO.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have checking accounts with Chase and XXXX XXXX XXXX ( XXXX ). I deposited a XXXX check for {$13000.00} with Chase bank on XXXX 2016. Chase received the funds on XXXX XXXX 2016. XXXX XXXX XXXX confirms that Chase took possession of funds on XXXX XXXX 2016. I get a email from Chase fraud unit saying funds will not be available until XXXX XXXX 2016. 
According to Bank regulations Chase should have processed the check within two business days because they are local branches. 
Regulation CC Hold Guidelines Regulation CC availability rules include guidelines for cash and electronic deposits, check deposits from local banks and check deposits from other banks. Funds from in-person cash deposits and electronic deposits must be available to honor a depositor 's personal check no later than the following business day. Check deposits that are drawn on local banks must be available no later than the second business day following the date of deposit. The funds from check deposits that are drawn on a bank that is not local must be available no later than five days after the date of deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Aargon Agency, Inc.
State: NJ
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 received a letter that I owe money to a utility company and Aargon Agency has now reported this to the credit bureau. I called and emailed them and as of yet no response at all. I lost a credit card because of this. I do not owe any money to XXXX utilities.

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 2015-05-13
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a debt collection letter from Ad Astra Recovery Service in XX/XX/XXXX. I spoke to the representative of Ad Astra Recovery Services on the phone and asked them to verify the debt as required by law Texas Financial Code 392. 202 based on a letter that I received in the mail, the representative stated that they would. The representative stated that they hired an attorney and it would be best for me to pay the bill by the credit card invoice on the bottom of the letter. I told them again that they needed to verify the debt. I did n't receive any information from Ad Astra Recovery to verify the debt. In XX/XX/XXXX, I hired XXXX XXXX XXXX to investigate inaccuracies on my credit report. I forwarded all letters from Ad Astra Recovery Service to XXXX XXXX XXXX as instructed. The following information was requested from Ad Astra Recovery XXXX over the phone : name of original creditor, provide me with the original date of default, the date that the debt was transferred to them from the original creditor, the originate balance, the current balance, and surety bond information. Again, the representative for Ad Astra Recovery XXXX said ok that they would. I believe that I received a second letter from them which I also forwarded to XXXX XXXX XXXX as instructed. On XX/XX/XXXX, I asked XXXX XXXX of XXXX XXXX XXXX what if any inaccuracies were removed from my credit report. She pulled a copy of my credit report and indicated that Ad Astra Recovery Services, a collection agency was still on the report and this was associated with a payday loan from XXXX XXXX. I viewed XXXX entries for this collection agency on my in-house file. I asked what was being done and that I was filing a complaint with the Texas Attorney General 's Office under case # XXXX about this collection company. XXXX XXXX stated that they were still working on my file. So I said, ok. On XX/XX/XXXX, I received a congratulation letter stating that I completed the program which I questioned because their was no investigation of this collection company or any other creditors. On XX/XX/XXXX, I spoke to the XXXX XXXX XXXX receptionist and conveyed to her that I wanted the owner to provide documentation that they had requested on my behalf the documents required to verify the debt as stated by the Texas Finance Code Section 392.202 and the response given to them by Ad Astra Recovery Services. The receptionist stated that she was not sure if I could receive the documents from their investigation demanding that Ad Astra Recovery Services verify the debt before placing the entry on my credit report. To date, this collection company has not verify the debt according to the above law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Applied to XXXX for a no-rewards credit card. Have excellent credit for over XXXX yrs., never been late ever, never missed a payment. XXXX shows my FICO score as XXXX while Equifax shows it as XXXX today, two days ago, XXXX months ago this disparity existed. I check every year all three credit reporting agencies & FICO score but last year I did not pay extra for the FICO except from XXXX. I just did a HELOC refi XXXX months ago & FICO was XXXX ( down then due to from the hard credit pull ). XXXX statement also shows FICO in XXXX usually. Experian shows credit usage low, 19 % debt to income ratio. XXXX used Equifax, which shows a FICO score of XXXX - XXXX points less than Equifax. This disparity in FICO scores is unexplained & I received a higher interest rate for the XXXX credit card due to XXXX using Equifax 's FICO score. I was told by the Equifax rep that mortgage companies use XXXX while credit card companies use Equifax. Why? I think that Equifax is treating my mortgage as a revolving line of credit since what displayed on my screen ( after I had to pay {$19.00} for it ), was " Credit Summary '' line item Mortgage shows " balance '' {$45000.00}, " available credit '' {$150000.00}, " credit limit '' {$190000.00} - this is inaccurate since it is a 15-yr fixed rate mortgage, so there is no available credit or credit limit. I can not think of any other element that would drag down my FICO score so significantly other than this. Equifax CSR told me that its score was not an actual FICO score ; rather, it was a " Risk Score. '' What? When I called back and spoke to someone else, she stated that the XXXX score was indeed a FICO score. There must be an explanation for this enormous disparity and I am chalking it up to underhanded misdealings between credit card issuers and Equifax. Please look into this starting with me. I have screen shots of both XXXX and Equifax 's reports showing my FICO score and will email it to whomever works on my case but do n't wish to post it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
My protection 's privileges have been penetrated and intruded by this bureau which is an immediate violation of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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 2020-04-06
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to get remarks removed from all 3 credit bureaus XXXX XXXX  and Experian after numerous attempts they still refuse to remove these remarks off of my credit report, they have violated the fair credit reporting act by denying my requests. This is my fourth attempt to get this resolved and they still havent removed these negative remarks.

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 2022-04-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account XXXX XXXX XXXX Account Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX received permanent modification documents after completing a 3 month trial in XXXX. On XXXX/XXXX/2015 the authorized XXXX part representative spoke with Ocwen about the status of the modification being finalized in there system. They advised they received it and it should take 7 to 10 business days. Another call was made today, XXXX/XXXX/2015 since XXXX XXXX is still receiving delinquency documents and negative credit reporting. Another representative at Ocwen named XXXX XXXX stated that they did receive the modification documents but what the hold up was that with the modification that XXXX XXXX received Ocwen would have to purchase the loan and they have n't done that. He stated that they do not have a time line for this and their was nothing that could be done to speed it up. XXXX XXXX has completed the trial successfully and done everything required of her and she is still at risk and receiving foreclosure documentation. This is a completely unreasonable amount of time to finalize documents returned back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
An increase of approx {$300.00} for the last few months from approx {$1100.00} to {$1400.00} has caused a financial strain

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 2021-09-29
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
American Eagle I hardly ever used this credit card when I did I was not able to get help. I asked for deferred payment and they said no. I closed account due to Covid-19 and they would not work with me on payment XXXX. I am a victim of disaster. No work. 

.

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
Consumer complaint received 2017-02-16
Company: Westlake Services, LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX XXXX I filed bankruptcy, a reaffirmation was requested from Westlake for my vehicle, Westlake did not send the reaffirmation. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX my attorneys office reached out to Westlake to get the reaffirmation agreement. I also contacted Westlake on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Westlake sent a reaffirmation with the incorrect dollar amounts for the balance due on the vehicle, on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I called Westlake to get a reaffirmation with the correct amount sent over so I could sign and send it back. Westlake never sent the corrected reaffirmation agreement. On XXXX/XXXX/XXXX my attorney stated just that I just needed to manually make the corrections to the dollar amounts and send the reaffirmation agreement back to Westlake which I did. Unbeknownst to myself and my attorney my bankruptcy had been discharged on XXXX/XXXX/XXXX. Westlake refused to honor the reaffirmation agreement. Since XXXX/XXXX/XXXX I have disputed that the reaffirmation agreement should be honored and to date I have made my auto payments timely, Westlake is still refusing to honor the reaffirmation agreement therefore payments are not being reflected on my credit. All of my conversations with Westlake were recorded and Westlkae was made aware they were being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Chase lowered my credit lines to within a couple hundred dollars of the balance claiming our other cards had rapid increase in balances, ruining my credit. That is because we were using 2 cards to do our major remodel, and were going to pay them off after. They have better rewards than you. This ended up showing THESE cards being maxed out. My other 2 cards you were referring to were still within a few thousand of the credit line. NOT MAXED. During our remodel, my husband had emergency XXXX. You are discriminating against people due to humanitarian reasons. You lured us into getting a XXXX card for 0 % when we went on our big XXXX vacation in XXXX, then wreck my score. This mendacious, deceitful business practice will not be tolerated. I have now PAID THESE CARDS IN FULL! But wait, you have now added a {$64.00} finance charge on the XXXX card because my payment posted the same day as the cycle date. I WANT THAT REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX 2008, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
Lexis Nexis and XXXX have shared my personal information without my written consent. Pursuant to 15 USC 1681b, ( permissible purposes of consumer reports ) a consumer reporting agency may furnish a consumer report only if they have written consent from the consumer to do so. I never gave them my written consent but they have furnished my personal information to multiple agencies like XXXX, XXXX, and XXXX. I put a freeze on the file they have on me and they are still furnishing my information to XXXX, XXXX, and XXXX. They are deliberately breaking federal law that is punishable under 15 USC 1681n ( willful non-compliance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Oliver Adjustment Co.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to OAC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. 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 explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: PA
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:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me in the first place? I need answers now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
All the accounts below have been cancelled and I have XXXX as proof. They are attached to this complaint. 


XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX XXXX : Paid, Closed. 

XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

XXXX XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Paid, Closed. 

XXXX XXXX XXXX Dispute this item Account Number : XXXX .... 
Date Opened : XXXX Status : Paid, Closed.

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 2016-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There are XXXX items on my report that I have disputed now for about a year and all the bureaus has said is they have investigated and it remains. If they did they would have seen what I am disputing. XXXX company, XXXX, keeps reporting the original amount I owed on both accounts, instead of doing a reducing balance method. I have my receipts and I spoke to them about it too. The woman there told me she would not change the balance until I was done paying it all. I am paying XXXX the same deal and they reduce my balance every month that I pay. I have disputed it twice before and lately again. No response. 

The other thing is from credit XXXX cc company. They sold the bal to a collection XXXX. They are both reporting this on my credit report. I have spoken to both of them and no response. Now I have disputed it with transunion and XXXX has gone ahead to report it as brand new in XXXX. Both are still on my report. 

I would like to have those items either reported correctly or removed and not to started over as XXXX is now doing. 
Thanks.

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