BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-17
Company: Experian Information Solutions Inc.
State: CA
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:
Experian has shown consistently late payments on student loans that were closed about a year ago. XXXX says they are not reporting them to Experian, Experian says XXXX is reporting this to them. Have contacted both more than once in the last 6 months, both by email and phone.

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 2020-10-05
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XXXX, we relocated to XXXX from XXXX and we opened a bank account at XXXX XXXX  XXXX XXXX, MA. We have been using the account for many years and we always kept it in good standing as our credit history demonstrates. In XXXX, we moved back to XXXX but we agreed to keep the account open. We informed the bank of our change of address and they updated our contact details in their system. We continued to maintain and access the account online without any major concern, and we continued to receive monthly statements that were mailed to us in XXXX. In XXXX, XXXX XXXX  was acquired by Peoples United bank. 

Following the acquisition, our online access was terminated and since then we have not been able to access our account online. I have contacted the bank several times and requested that they set-up our online access again to allow us to monitor the account and perform transactions, but we were informed that due to the fact that we don't have a residential address in the US we are not able to access the account online. They also informed us that would would have to take a trip to XXXX and visit the bank in person if we wanted to make any transaction or close the account. However, we continued to receive monthly statements by mail. In XXXX, we were informed that Peoples United bank would start charging {$3.00} per statement sent by mail and we've been debited {$6.00} per month since then. 

The inability to access our account and funds is a clear infringement to our rights as a customer of a XXXX XXXX. I have sent a message to the bank using their website informing them that we would log a complaint with cfpb but we did not get a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
bank of america closed my account without any reason, and i have balance in my account. but after 5 months later, they still didn't give my balance back!

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 2021-01-17
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2020 EOS CCA allegedly took over my student loan debt, however I was never given information as to how or why this happened. This company is a scam. Its a disgrace. After not contacting me for several months, I finally got in contact with the company and made an income-based payment plan in order to protect my co-sign and his ability to buy a house. Theyve refused to comply in sending a written confirmation of my debt or payment history, something my co-sign needed in order to close a mortgage. Their online payment portal has inaccurate information about my payment history. Theyve neglected to update my credit report to include details of my payment history despite multiple requests. 
Theyve illegally spoken to relatives of mine regarding my debt without consent. 
Theyve denied service to me when Ive called to manage my debt, saying the right employee was not available, the person with access or ability to handle my complaints or requests was out of office, or by saying that the company was in transition and my information was not readily accessible. After several phone calls in which representatives lied about sending me emails, written letters, and faxes, the company has now fully ghosted me. The last I called they said they had no knowledge of my account in their system and it must be a data entry issue. I dont even know what to do here. This account is ruining my credit and has ruined my relationship to my co-sign, who is like family. This company is ruining my life. All of these requests were made and I was lied to with agreements on recorded phone lines. It is just so ridiculous. I just want it to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: NC
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:
after reviewing my report in XXXX I noticed a large amount of fraudulent accounts, address and names reporting. these accounts i never applied for, names and address i never used

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 2021-01-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
ON XX/XX/2021 my credit scre dropped over 34 points from XXXX and equifax. A couple weeks earlier it had dropped 10 points. All for no reason. I believe your problem is with the algorithms programmed in your system. These algorithms only account for half of the calculation. They show how much credit you have used in a month but fail to show that I have XXXX  out the balance when the statements are due. As of today my credit card balances are all XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Cars Financial, Inc
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
XX/XX/XXXX I was approved for a XXXX XXXX XXXX through cars finicial inc division of shelor motor mile inc I traded a XXXX XXXX XXXX and then XXXX down I been makeing my payments on time for a year never been late I was told by cars financial that they would report to XXXX XXXX and XXXX  they never did I ask for a vehicle report never got one I was never told the XXXX XXXX XXXX had manufactured warranty still on it also the car was totaled XX/XX/XXXX I was hit from behind XXXX insurance did run a credit report showing shelor motor mile inc and cars financial sold me a repo this car was a repo they did from another customer come to find out shelor did not auction the car off they told the other customers they did this what was left on it to be paid instead of auctions off they just put it back on there lot re selling it through cars financial in other words they committed fraud to the other customer that XXXX XXXX was never auctioned off that is takeing money with intent to defraud I was coned into buying it to hide there crime

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XX/XX/2021 my credit scre dropped over 34 points from transunion and XXXX. A couple weeks earlier it had dropped 10 points. All for no reason. I believe your problem is with the algorithms programmed in your system. These algorithms only account for half of the calculation. They show how much credit you have used in a month but fail to show that I have XXXX  out the balance when the statements are due. As of today my credit card balances are all XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: National Credit Adjusters, LLC
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: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/XXXX, I have been in communication with National Credit Adjusters a collection agency that bought a debt from XXXX XXXX. 


On XX/XX/XXXX, NATIONAL CREDIT ADJUSTERS, has failed numerous times in providing me a copy of my legal signature where I owe them {$3000.00} .The original creditor is not NCA it is XXXX XXXX . I reported the information with copies of the back and forth communication and certified letters to XXXX showing NCA refused to show my original signature but NCA has still certified to XXXX that the information is accurate. XXXX still allowed NCA to certify that it was my account despite documentation proving that it is not. This item was not changed as a result of our processing of my dispute. Neither XXXX nor National Credit Adjusters have provided me proof of the loan documents bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Asset Management Outsourcing, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is about Nationwide Recovery. On Monday XX/XX/XXXX I sent by certified mail to the address listed on my credit report a letter regarding the validity and verification of multiple debts listed on my credit report from this debt collector. To date I have not received any correspondence back. I also went to their website and emailed the email address they provide to get further clarity on the alleged debt. I emailed them XX/XX/XXXX. Both attempts at communicating have not been responded to. There are three accounts in question respectively in the amounts of {$190.00} opened XX/XX/XXXX ( XXXX and XXXX  ), {$240.00} opened XX/XX/XXXX XXXX XXXX  XXXX, {$130.00} opened XX/XX/XXXX XXXX XXXX XXXX. I have also disputed the accounts with the above credit reporting agencies with no resolution. I believe this company to be a scam due to their not ever being ANY EVIDENCE or attempt in response to me. It is very detrimental to my credit report to have UNVERIFIED debts listed and harmful to my score. I have attached evidence of my attempt to reach the company by certified mail and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Rausch Sturm LLP
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a XXXX credit card for years, paid never had a problem until I purchased an expensive television ( {$2000.00} ) in XXXX that stopped working after 6 month. XXXX would not fix the television and I was not paying the full amount for a television that didn't work. Fast forward to XXXX of XXXX my daughter and I had a joint an account with XXXX bank my daughter called me crying said telling me that her money was frozen for my garnishment from XXXX ( South Dakota ), XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX SD  XXXX. I had no idea this was happening at first the real confusion came with the fact it was XXXX. XXXX final gave us the information of who to contact Rausch Sturm, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX WI XXXXXXXX. It took us weeks to get through. When I finally got thru they were no help I never received anything from the XXXX XXXX Courts or from Rausch Sturm , LLP letting me know anything let alone be legally served with this garnishment. The amount taken was from the account was {$3000.00} the principal amount of the judgment was {$3000.00} they never sent conformation that the money was taken or received until XX/XX/XXXX when I finally got thru to them again. I was trying to refinance my home and it was stopped because of this garnishment of property. To this day {$540.00} is still being held by XXXX for the garnishment I contacted this Rausch Sturm, LLP law firm again asking that they please fix this situation consider I was never notified and they had their money but all they did was refile with the XXXX XXXX Courts to request for garnishment again. I don't understand why or how this is still a problem. This is causing me not to be able to go thru with the refi and has already went passed the date so they have raised the interest rate.

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 2022-09-28
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried numerous times to get this issue resolved with LexisNexis. Unfortunately, I am still unsuccessful in my quest... I have requested that they provide me with proof on how they verified the bankruptcy in question. Nothing! This issue is hindering my ability to maintain a lifestyle that includes caring for my child. Please assist me in having them update my public profile by removing this inaccurate account for bankruptcy filing. 

Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 
Considering it does not require an investigation, I would appreciate your response within XXXX weeks from the date you receive this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I HAVE RECEIVED A LETTER FROM CHASE BANK ABOUT A TENTATIVE TO APPLY FOR DEBIT & CREDIT CARD USING MY PERSONAL INFORMATION. 
I ALSO USE XXXX, WHICH HAD SOME FRAUD ALERTS. 
I AM WORRIED MY IDENTITY IS BEEN USED TO GET CREDIT CARDS & CHECKS UNDER MY NAME. 
I WOULD LIKE TO ADD AN ALERT TO PREVED ANY USAGE OF MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Avant Holding Company, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, two credit cards were attempted to be opened at Avant bank in my name. These were fraudulent attempts, and were not made by me. I contacted Avant to get them removed from my credit history and was told that they marked them fraudulent and they would be removed and that I had to wait 90 days. I still see one of the two credit inquired from Avant that has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter to Equifax to dispute items that are appearing on my credit report that are inaccurate and/or invalid. As of XX/XX/2021 ( 51 days later ), I have yet to receive a response from Equifax with the results of their investigation. The disputed items in my report are adversely affecting my ability to obtain credit as well as the terms under which I can receive credit. Per federal law, failure to investigate disputed items within 30 days gives reason for the items to be promptly deleted. I demand that these items are deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: FCI Lender Services Inc.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I took out a home equity loan for {$30000.00} with XXXX XXXX XXXX. Since then the loan changed hands about 4 times causing me to lose track of who was handling the loan. I subsequently discontinued payments after loosing my job in XXXX. Fast forward to XX/XX/XXXX when I decided to sell my house and relocate to another state for a fresh start. The title report provided information for XXXX XXXX XXXX XXXX ( XXXX ) where a payoff request was submitted. That request was forwarded to the asset manager for XXXX XXXX XXXX. The asset manager forwarded a payoff to release the lien in the amount of {$91000.00}. I was devastated! The payoff included various charges including the original principal, over {$51000.00} in rate interest, foreclosure fees, and many other charges. While I believe that I owe the original principal amount, I should not have been taken advantage of in this manner. In attempts to negotiate the payoff with the company, they had me submit documents that included the current purchase agreement, tax returns, bank statements, and other personal financial information. The company XXXX XXXX XXXX ) offered on 5 % discounted from the {$91000.00} payoff. I could not believe that this was happening days before settlement of my house of 21 years. I was forced to pay the full amount to avoid a disastrous outcome if I terminated the sale. The additional {$60000.00} snatched from my proceeds, intended to buy a home in a new state, has left me homeless. My original loan was with XXXX XXXX XXXX. The {$91000.00} charged by this XXXX XXXX ( Serviced by FCI ), who just picked up the loan in XXXX, seems predatory and illegal to take advantage of consumers in this manner. I do not know the process of companies selling debt, but it seems the original company would have been compensated when the sold the debt to the others.

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: CITIBANK, N.A.
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
After opening the account I instantly noticed there where two othe accounts connected to it a credit card and I asked over and over again what it was they just kept transferring me this was on XX/XX/XXXX so I told them to just close it but instead the women on the other end said it was still open I asked if there were any deposit she got quit and wouldnt say anything but the very first time I contacted Citibank the man on the other end said it was closed and they would send the check back to the irs I looked up wet emy refund was and its been processed please help I have a investigation with the ward counts sheriffs department a detective is already on one fraud case with Citibank bank all I want to do is change my bank information

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 2021-01-17
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:
Dear Credit Reporting Agency, It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation. 

If you need any more information to include this in my report please feel free to contact me XXXX XXXX Phone : XXXX Email : XXXX XXXX ID XXXX XXXX File ID : XXXX

Company response to consumer: Closed with explanation