BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
( I a lso did not receive a notice of right to dispute. ) Apex called my cell phone asking for me. They wished for me to verify certain personal information before talking to me, which I declined to give since they did not tell me their name or company information. They said this was about " an account '' I opened ( without any details, no company, no amount ), and did I open said account? I asked what account, and they said they could not tell me until I gave them my information. I declined again, saying I was not going to give personal information to someone over the phone not knowing who they were. They said they were Apex. I said that I have no idea who that is, and declined again to give out information. They said " Then I ca n't help you '', and hung up on me. I had no idea this was a legitimate business until something showed up on my credit report. I never received anything in the mail from them. They also recently called my parents ' home where I no longer live. In this day and age, personal information needs to be protected. It is absurd that Apex calls asking for information without even stating who their company is, the caller 's name, or even what account they are referencing. Any shady person can do these things, why would a legitimate company?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Company continues to call every day after due date. 3 or 4 times a day. Account aways current.

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 2022-10-12
Company: Experian Information Solutions Inc.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2022-10-20
Company: Bread Financial Holdings, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a remaining balance of $ XXXX {$40.00} for my Victorias Secret credit card, I went in store to pay the balance and close my account. The stores data base happened to be down and I was told my payment would be reflected once up and running. Since the data base was down I also did not receive any form of RECIPT or documentation stating I closed the account. Unfortunately, my payment was never reflected and I am now getting serial notifications about an account I already closed. This is negatively effecting my credit report and prohibiting me from credit eligibility. This needs to be resolved as soon as possible and if I continue to wait for disputes that take 30+ days my credit will continue to be negatively impacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-01
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I filed a complaint with CFPB a few months ago against Ocwen Loan services, with the CFPB 's help my name and liability was taken off a forged mortgage, I now received a foreclosure letter from XXXX XXXX XXXX XXXX, phone number XXXX, I have letters from Ocwen releasing me from loan and liability, I would like Ocwen contacted immediately about this error, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been spending countless hours making phone calls and writing to Experina credit bureau in regards to XXXX accounts that have been inserted to my credit that are not mine. XXXX the accounts were originally removed now they have been placed back to my credit and I do n't know why. 
XXXX XXXX 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 explanation
Consumer complaint received 2022-10-20
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I open the account at XX/XX/2022 and the person in charge at this moment tell me they not havent in this time the temporary card I believe it I can wait 14 business day I call in the Costomer service I wait almost 30 day this people take me like fools they take avance of me because they work in there and they use the position they have to abuse peoples they lied I hope I dont know they trying and disrespect my right I m goin to sue them I dont know this person they freeze my account to make me have problems with my deposit from de XXXX XXXX XXXXXXXX I have the letter they notification they send to me I want to know what it they freeze my account

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 2021-01-09
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX, XXXX, and XXXX I used the " Amazon Prime Store Card '' associated with Synchrony Bank ( acct. number XXXX XXXX xxxx xxxx ) to pay for my Amazon purchases and obtain a " reward '' of 5 % return of purchase amounts. When I stopped using the card, I had {$470.00} in rewards left in the account. Approximately 3 months ago, I received a form in the mail asking me to make a choice from several statements regarding that account. I selected the appropriate one ( I have not received a check nor cashed a check for the balance ), mailed the form in the envelope supplied, and waited for something to happen. Since nothing happed, I checked the balance in the account and now it was XXXX So I checked with Synchrony bank and was told they hadn't sent the form and that it must have been from Amazon. So, I contacted Amazon and was told that they could be of no help, since Synchrony Bank and not they managed the accounts.

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 2022-10-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, Experian and XXXX have failed to investigate and provide investigation results after my most recent dispute regarding unauthorized and fraudulent Inquires that are appearing on my credit file. One day i had 0 inquiries and the next day i had 10 inquires that all came from auto loan attempts. I have a car so why are these inquiries popping up on my report? I wrote each agency requesting an investigation on my report due to fraudulent inquiries that i 100 % did not personally apply for and they all have failed to respond. I demand to see the " Consumer Contract bearing my WET SIGNATURE '' to verify and validate these fraudulent inquiries that are negatively impacting my credit file in a major way. As the consumer, it is my right to request an investigation when items are not correct, true or verified to belong to me and these agencies are clearly ignoring my request. I will now hold each agency liable up to {$1000.00} per violation if this is how you allow them to operate. The reporting of inquiries that have not been verified is a violation of my consumer and demand all inquiries be removed that you can not provide documentation of proof for. I want all accounts and inquiries that are not metro2 compliant removed, corrected and updated immediately due to their to respond and investigate in the first place. 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 explanation
Consumer complaint received 2022-10-20
Company: Lockhart, Morris & Montgomery Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i was trapped by a recruiter for XXXX they told me i could get free transport to XXXX and get my XXXX XXXX  through school- they did not accept me into the school or pay my travel which came to XXXX plus hotel of XXXX the recruiter promised to call me XX/XX/XXXXXXXX XXXX XXXX months later to get me back into class - and i never got that call or took their class i also spent an additional XXXX getting my XXXX XXXX i never got a written notice they were charging me for school before i got tricked into this/ i never took class they employed collection lockhart morris montgomery agency and i never saw their letter as i moved during pandemic and they injured my credit report when they should owe me over {$1300.00} as i never took their class i flew home taxi to XXXX to XXXX  XXXX XXXX XXXX for physical which i passed and license and online app class to pass the permit and i was lied to repeatedly this action and aggressive recruiting is unconscionable during a financial crisis this stunt made me spend my rent money thinking i would be able to live on their truck for three months as they promised abd caused me financial hardship XXXX was recruiter from XXXXXXXX XXXX - shame on all of them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a delinquent closed ( written off ) account on my Experian credit report with a company called XXXX that is not mine. I 've tried disputing, but it 's hard to provide evidence something is n't yours especially if you have no idea how this account is connected to you. I 've even tried calling the company, but they are unable to even let me access the account because I do n't have account number which makes sense because I 've never received a bill for the account that IS NOT MINE.

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 2015-10-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian Information Solutions , Inc. violated the Fair Credit Reporting Act sections 15 U.S.C. 1681e ( b ) ( 2 ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Experian failed to by its own admittance : ( 1 ) to use reasonable procedures to assure maximum possible accuracy of the information in its credit reports under15 U.S.C. 1681e ( b ) ; ( 2 ) to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file '' when information is challenged by a consumer under15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Experian Information Solutions , Inc. violated the Fair Credit Reporting Act section 611 ( a ) ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been waiting for my refund from both XXXX and Mohela since XXXX of this year. I am owed approximately {$14000.00} from XXXX and {$11000.00} from Mohela. 

On XX/XX/XXXX I called for a refund from Mohela for the amount paid on my student loan during the COVID forbearance. They said they were initiating the refund and refunded me for the few months I had paid them after I was transferred to them, but they had to wait to get refunded from XXXX before they could refund me. 

I called XXXX on XX/XX/XXXX and they said they could only refund me for what I paid them during that time and the rest was through Mohela who was my current loan holder. XXXX told me I would be refunded around XX/XX/XXXX. I did not receive anything from them. 

XX/XX/XXXX XXXX told me they were refunding me for my loans XXXX XXXX XXXX XXXX XXXX XXXXhat I paid XXXX XXXX XXXX XXXXXXXX. On that same day Mohela told me they were refunding me for my loan # XXXX from XXXX XXXX XXXX They said it would take 30 days. Still no refund. 

I called on XX/XX/XXXX and XXXX says that my refund shows it was submitted, approved, and escalated and still in processing with the Department of Treasuring. I am waiting for {$14000.00} that XXXX claims it is now up the Dept. of Treasury to give me the refund. 

XX/XX/XXXX Mohela also informed me that my loan was being processed and still waiting for approximately {$11000.00}. 

It is now XX/XX/XXXX and I have yet to receive any refund. I am not sure if I am trying to patiently wait from the Dept. of Treasury or why I have been trying to get my refund for 6 months. 

Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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
Consumer complaint received 2015-09-11
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I contacted all my creditors about a non-collectible debt ( XXXX XXXX on my credit report. I proved that I am exempt from the debts under federal law as a XXXX Veteran. They all agreed with me and said that they have removed the debt ( s ) from their records and requested that the XXXX XXXX XXXX XXXX major credit bureaus to remove the adverse information, as of XXXX XXXX, 2015. However, all three credit reporting agencies refuse or delay to remove the adverse information from the record. The accounts are : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX. All XXXX credit reporting agencies are not doing what they have to by law. 1. Experian 2. XXXX 3.XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: KS
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:
I've made several phone calls, and filed several complaints with the CFPD disputing Inaccurate Names and Addresses on my Experian Credit Report with no success. I have provided documents mailed to me by Experian and creditors with my current address and correct legal name.

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 2022-10-20
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a note from Chime claiming that they could not complete my application for a credit card. I informed them I had never applied for one and asked them to purge all information about me from their systems. They replied that they could close the account I never opened but that they would retain my information for regulatory purposes. 

Since I never have them this information in the first place, and have told them so, why are they retaining it?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is showing a debt from XXXX XXXX XXXX XXXX with a balance of {$270.00}, this debt is from 2009 and is past the statute of limitations. Seven Years

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 2015-08-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? I have filed disputes with Experian previously in the same manner so I am not sure why they think this time it was n't me. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are reporting false information on my credit report. Improperly providing false information on a person 's credit report is a flagrant violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act. In addition, XXXX XXXX XXXX had previously deleted the derogatory mark from my credit report however they illegally proceeded to reinsert the false information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation