BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2018 I wrote to Experian to have them update/correct my personal information that they have on file. As of XX/XX/2018 they refuse to remove incorrect information from the files they have on me. This is a clear violation of the FCRAs. These same false address are still appearing on my file as of XX/XX/2018. Please have Experian remove these addresses ASAP. 


Again please have them remove all other addresses and names other than stated above.

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 2019-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a complaint to XXXX through XXXX and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that XXXX should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in chexsystems or any other credit report file, randomly for no cause. XXXX deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. XXXX has had 4 years to work on this issue and should have declined the bank 's faulty objection in 2017. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.

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 2019-09-08
Company: Receivables Management Corporation
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: TX
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN, XXXX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : ( Late/Open : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} )

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 2017-06-29
Company: EQUIFAX, INC.
State: GA
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:
Equifax improperly re-inserted an account into my credit file without notifying me. I had disputed an account with XXXX XXXX XXXX 11 months ago and Equifax removed this account from my credit file, but then about 6 months ago they improperly reinserted the account without the notification required by law. I have since then attempted to get this improperly reinserted account removed from my credit file, but they have refused to do so. The account number is XXXX Balance {$3300.00}. This is not my account and I have provided Equifax with a police report, Identity Theft Affidavit, driver 's license, and my social security as I was supposed to do, and they have refused to act. It is a violation of the FCRA that they reinserted this fraudulent account into my credit report. I did not open this account and this account in no way belongs to me. <P/>Equifax also has my credit file mixed with ( 2 ) other peoples credit report and they have been made aware of this multiple times, however they refuse to separate the 3 files, I have many accounts on my credit file that do not belong to me. I have been able to determine that the accounts that Equifax has on my credit file belong to XXXX XXXX, and another individual named XXXX XXXX. Equifax has refused to resolve this matter. <P/>The following accounts do not belong to me and are not even under my social security number they are under a totally different persons, yet Equifax continues to report these accounts as belonging to me, and these accounts are as follows : XXXX XXXX XXXX Account Number XXXX this account is not mine and is not associated with my social security number XXXX XXXX XXXX XXXX this account is not mine and is not associated with my social security number XXXX XXXX XXXX not mine not under my social security number XXXX XXXX XXXX not mine not under my social security number XXXX XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX XXXX not mine not my social security number XXXX XXXX  XXXX not mine not my social security number XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX XXXX XXXX Not mine not under my social security number XXXX XXXX XXXX XXXX XXXX XXXX fraudulent account that was improperly reinserted after Equifax deleted. <P/><P/><P/>Fraudulent Inquires or Belong to someone else XXXX XXXX XX/XX/XXXX ( Not Mine Fraudulent ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Not Mine Fraudulent ) XXXX XXXX  XX/XX/XXXX ( Not mine Fraudulent ) XXXX XXXX XX/XX/XXXX ( Not mine Fraudulent ) XXXX XXXX XXXX XX/XX/XXXX ( Not mine fraudulent )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: MARINER FINANCE, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am writing to complain about an insane marketing practice. I received a check in the mail from " Mariner 's Finance. '' It was a check for {$3500.00} made out to me that I could cash. It had a finance charge of {$1700.00} and I think 26 % interest. I was really upset that they could advertise like that, it seems incredibly predatory. It is an easy way for someone in a pinch to get money, but the terms are unbelievably horrendous. I do n't know whether this is legal but I hope it is n't and Mariner Bank is stopped. If it is legal I hope my outrage keeps others from falling for this predatory tactic.

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 2022-08-14
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was affected by the Tornado that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. XXXX  : XXXX Please remove any late payments from my account due to natural disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TENET HEALTHCARE CORPORATION
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Syndicated Office Systems is attempting to collect a medical debt ( {$320.00} - XXXX 2014 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is Syndicated Office Systems fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all 3 credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Talked with a XXXX representative in XX/XX/XXXX about the mark " Bankruptcy Dismissed '' that is continuing to be reported on my TransUnion Credit Report after 10 years. The XXXX rep. assured me at that time the matter would be investigated and removed. In XX/XX/XXXX I received a latter from XXXX dated XX/XX/XXXX stating " We asked the four major credit reporting agencies ( XXXX, XXXX, XXXX and TransUnion ) to remove the reference to Chapter 13 bankruptcy on your credit profile. '' However, TransUnion has failed to comply. I have certainly spoken with both a TransUnion Rep. and XXXX rep. on XX/XX/XXXX about this matter. XXXX instructed me to take this matter up with TransUnion and TransUnion has instructed me to take this up with 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 2019-07-20
Company: AES/PHEAA
State: PA
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 XXXX XXXX is reporting that it is late. Balance is reporting {$920.00} and the balance is currently is {$580.00}. I dispute it multiple time with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: American Coradius International LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I received a letter from ACI ( American Coradius International ) stating that they are contacting me about an account with XXXX that has been placed with their office for collection. My name is not spelled correctly on the document and my SSN is also incorrect. Ive tried contacting XXXX as well as this company, to no avail. I do not have a XXXX account and I do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Experian Information Solutions Inc.
State: AL
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:
Inaccurate addresses reported never lived here XXXX XXXX XXXX village XXXX NC XXXX Balancing Rock Ct XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX Card # XXXX AXXXX XXXX XXXX # XXXX The information listed has no relation to me I have not entered any agreement with any agency listed. Nor am I connected with theses inaccurate addresses.

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 2017-06-29
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to XXXX XXXX XXXX XXXX explaining that I do not owe them {$610.00}. Te company misrepresented the amount that would be due monthly. The charges are excessive, inflated and I have returned all of their equipment. I contacted XXXX XXXX XXXX XXXX on numerous occassions to complain that my bill was not the same rate month to month. Sometimes, I would get credited after speaking with a representative. I do not owe XXXX XXXX XXXX XXXX any money. I have been a loyal customer to XXXX XXXX XXXX for nearly a decade ( phone service ). I am really upset with how they run business in relation to the cable network. 
I do n't owe them anything.

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 2022-08-25
Company: AFNI INC.
State: GA
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 keep getting calls from individuals claiming to be a debt collector for Afni. They refuse to identify what their company does without being given information first. I had to look up the name and have found that multiple people have been called/scammed by them. They have an automated system when you call their number back that provides a website, afnicollections.com, and it is a flagged website. I asked them to remove my number from their list but they kept wanting me to repeat my number and give them personal information ; name, DOB, etc. The number I keep receiving calls from is XXXX. When I answer the calls, I can hear lots of people in the background and it sounds like a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan online with this company on XXXX/XXXX/XXXX. I was approved for a loan of {$1500.00}. I previously filed a complaint with the CFPB stating that the Truth in Lending disclosures were NOT visible until AFTER the loan had been processed and funds delivered to my account. This company denies this fact, which is a COMPLETE FABRICATION OF THE TRUTH ON THEIR PART. The loan in question is NOT LEGAL, this company, I have learned is NOT LICENSED to do business in my state of residence, making their contract UNENFORCEABLE and ILLEGAL. This company has received XXXX from me to date and still indicate that I owe them at minimum $ XXXX. Under California law, ALL consumer lenders MUST be licensed by the XXXX XXXX California XXXX XXXX XXXX, may lend no more that {$300.00}, and may not charge more than a 15 % interest rate. All of the laws in the state of California pertaining to this loan have been violated making the loan ILLEGAL and the LENDER unlicensed and their contract invalid. They have harrassed me by phone and email as well. This company is predatory and their business practices are NOT XXXX in the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX accepted payment it is refusing to apply correctly. An account was opened, then closed without informing me. A new account was opened and used, then paid on time and in full. Payment was to the closed account and not properly adjusted. The payment is being returned to me rather than cancelled and sent to where it would be correctly processed. They are charging me for not paying on time when I did. They are not guiding me on what to do if I do n't receive the check to return it, and what their plan is if a different check needs to be issued in terms of who it would be issued to. I have marked my calendar for XX/XX/17 to inform them if I was not able to return the check to them.

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 2017-06-29
Company: FIRST GUARANTY MORTGAGE CORP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We originally had an FHA loan obtained in XX/XX/XXXX serviced by XXXX XXXX XXXX with a payment that we made the first of every month without fail. We were contacted in XX/XX/XXXX to refinance for a lower interest rate by First Guaranty. In XX/XX/XXXX of this year we were notified that our mortgage payment would increase by roughly {$370.00} per month due to an escrow shortage. As it turns out, we were never instructed to pay the refunded insurance payment back into escrow at closing with First Guaranty. Additionally, our principal payment increased from {$240.00} per month to {$280.00} per month after the refinance. <P/>We have paid {$600.00} back into our escrow and now our payment is roughly {$250.00} more per month. First Guaranty used misleading and deceptive practices, and as result we have A HIGHER PRINCIPAL BALANCE, A HIGHER MONTHLY PAYMENT FOR 12 MONTHS, AND MINIMAL SAVINGS THEREAFTER. This refinance was actually punishment for paying our mortgage on time.

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 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 disputed the negative information reported by XXXX since XXXX XXXX 2017. In my dispute I requested that the following be provided to validate the inaccurate information reported by this credit reporting agency : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided to me and the negative entry has affected my credit history unfavorably.

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 2022-05-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act conversion account # s listed below has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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. 

The accounts that violated my rights are : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # s listed below has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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. 

The accounts that violated my rights are : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX 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 non-monetary relief