BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: Radius Global Solutions LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2020 we sold our home, disconnected our XXXX XXXX and paid the final bill. We mailed the equipment back to XXXX the first week in XXXX of 2020. We have had repeated attempts from collection companies to collect this debt and each time we have asked for written documentation of the debt and have not received anything from any of the companies. When I asked for the documentation, I was told that they would just report it to the credit bureau. It has now been reported to the credit bureaus and it has impacted my credit score, all over {$140.00} that was paid in 2020 and the equipment returned!

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 2021-10-19
Company: UNITED SERVICES AUTOMOBILE 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. about these complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent letters to all XXXX credit bureaus to dispute items. I have not heard back from them. it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
CHASE BANK has facilitated the financing of my vehicle, with the account number XXXX and VIN # XXXX I have rescinded the transaction via 15 U.S.C. 1635, to no response from the company.

They, along with the help of the consumer reporting agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non repayment thereof. This is a violation of 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, RICO.

I have demanded they cease communication with me with regards to this debt, per 15 USC 1692c ( c ), and they continue to make harassing phone calls and threatening statements.

I have demanded they validate the alleged debt, pursuant to 15 U.S. Code 1692 ( g ), and UCC 9-210, to which they have failed to do so.

I am reaching out to your office to hold this company accountable and to uphold my federally protected consumer rights.

Thank you for your time and attention to this matter. 

Respectfully, XXXX : XXXX, XXXX on behalf of XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: IN
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 submitted a dispute with Equifax on XXXX for the inaccurate reporting of a balance on XXXX Bank account, the accurate balance is {$0.00} as XXXX bank issued a 1099-C. On XX/XX/XXXX Equifax sent me a letter stating the following information We have researched the credit account. Account # - XXXX The results are : THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE BALANCE IS BEING REPORTED CORRECTLY. 
On XX/XX/XXXX it cost me {$26.00} to send an overnight letter informing Equifax that the error was not corrected. I included a copy of the 1099-C issued by XXXX Bank as Equifax will not accept documents to be uploaded due to issues with their system. The enclosed copy of the 1099-C was absolute proof that the accurate balance is {$0.00}. The tracking number is XXXX which Equifax received on XX/XX/2022. I also requested that Equifax send me a copy of the documentation that XXXX Bank sent them to verify the balance on the account as I know that per law a 1099-C cancels the debt. 
The courts have found that if a financial institution has filed a Form 1099-C with the IRS, cancellation or discharge of a debt has, in fact, occurred. Therefore consumer credit reports must reflect the reporting of a {$0.00} balance. It is inequitable to require a debtor to claim cancellation-of-debt income as a component of his or her gross income and subsequently pay taxes on it while still allowing the creditor, who has reported to the IRS and the debtor that the indebtedness was cancelled or XXXX, to then collect it from the debtor. 
On XX/XX/XXXX, I checked my Equifax credit report and discovered that Equifax still refused to correct the error and further stated the reinvestigation was completed and the balance of {$22000.00} was accurate. 
I find it perplexing that Equifax will not follow the law nor follow the FCRA. I sent XXXX and XXXX a copy of the 1099-C issued by XXXX Bank and both of those credit bureaus updated the account to {$0.00} balance per the FCRA. 
I am attaching the letter from Equifax, the letter I sent to Equifax, and a copy of the 1099-C issued by XXXX Bank XXXX I sincerely hope that the CFPB holds Equifax accountable for deliberate violation of the FCRA and persuades Equifax to update the balance to {$0.00} on XXXX Bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Upstart Holdings, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I refinanced my XXXX XXXX XXXX with Upstart around XXXX of XXXX. In XXXX of XXXX, I applied for a COVID assistance payment plan ( they reduced my payments to XXXX $ a month for 3 months ) and was approved. 
Starting that month, they began reporting to credit agencies that I was late on payments. They continued to do so through XXXX of XXXX before Defaulting my account and sending it to Collections. 
This is wrong as they continued to charge me as agreed from XXXX through XXXX, and my account was on XXXX. The only payment that bounced was once my account wasn't sent to collections. 
I have bank statements to prove these charges, and the agreement with the company that I signed. Upstart NEVER contacted me about my account being late, until they closed my access to my account. 
If I was late, how did my autopay not charge me for the late balance? My autopay was set to balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. I have reviewed my credit report and have found several accounts that I do not recognize and believe are erroneous. I would like to request your assistance in investigating these accounts and having them removed from my credit report. 

XXXX XXXX Account Number : XXXX I have no recollection of this account and do not believe it belongs to me. Please remove this account from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXXXXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXX XXXX  - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXXXXXX XXXX  - Date of inquiry : XX/XX/XXXX The inquiries have reached the statute of limitations and should be removed from my credit report. 

I kindly request that you investigate these accounts and remove them from my credit report if they are found to be erroneous. Thank you for your assistance in this matter. 

Sincerely, 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 2019-03-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 Chase closed my above account. According to the letter I received it was due to the reason that I used merchant credit to satisfy the balance on this account. But as the fact of fact, this incident happened with my XXXX return and refunds. I have been a long time Chase customer and have several Chase credit cards, I used random cards at XXXX, but when returning some of the purchases, XXXX usually just scan the membership card without even asking for receipts, after that they just need a credit card to process the refunds without matching if they are the same. Since I used Chase reserve card the most, I most likely gave that card for refunds. Unfortunately I also have auto pay on my Chase credits, so I didn't even bother checking the monthly bill, as it takes care itself. As a result, this triggered the closure. Chase said that I was sent a letter reminding me the situation prior to the closure letter, but I never received the letter, the only letter I received was the letter to close my account. 

I don't think that I did anything wrong regarding this, if this is the bank policy, it was not my intention to do so. This is apparently a mistake I even think about committing and it's also didn't do me any benefit at all. 

I have called Chase several times asking to reconsider their decision and reopen the card, but was not helpful. 

I am actually a Chase private client and have significant interests on this bank. I am really feeling sad, as how unreasonable and bad they treat their long time customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred on XXXX from XXXX XXXX XXXX  to PHH Mortgage. I was informed I need to start payments to PHH. PHH has no record of this transfer and will not accept a payment at this time. XXXX XXXX has stated they will not take any more payments. I am trying to avoid a late fee and late payment on credit report but neither company will assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This involves Western Union, two problems. Problem number 1 : Points not credited to my Western Union Rewards account. Agent transactions are now not using the WU Rewards number but the customer 's phone number. They told me my reward points would be posted to my account when the money was picked up by the receiver. The money was picked up, but my rewards points were never credited to my account. See attached receipts dated XX/XX/XXXX and XX/XX/XXXX. Problem number two : Sometime between XX/XX/XXXX and XX/XX/XXXX, the points on my rewards account disappeared. I had made a internet transactions on XX/XX/XXXX and XX/XX/XXXX and rewards points were correctly posted. Upon checking my account on XX/XX/XXXX my entire account points were gone. After trying to get through to many agents to report fraud or theft to my account, on XX/XX/XXXX, a representative said my points had expired. I asked why, and he said they recently expired as I had not used them in a year. I asked him when was this changed and why wasn't I notified. He said I was notified. I asked when and to what email address or home address, and he could not answer. I have been a customer since XXXX and have never had points taken away from my account besides redemptions. My last point redemption was on XX/XX/XXXX. See attached last two transactions and current statement from my account showing XXXX  points. Western Union has done nothing to restore my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: GOLDMAN SACHS BANK USA
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: Information belongs to someone else

Complaint:
Fraud. 
Someone opened Goldman Sachs credit card stealing my identity. 
Reported balance is {$11000.00} I reported to XXXX on XX/XX/23 No action yet taken from both Goldman Sachs nor XXXX. 
Froze all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: Collins & Hilton Asset Group, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received a threatening letter from XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX Phone ( XXXX ) XXXX. This law firm is claiming to be a debt collector trying to collect a debt that monies are owed to Collins Asset Group , LLC. I responded to the law firm asking for the XXXX XXXX XXXX to send me the name and address of the original creditor and if I do not respond by XX/XX/XXXX the law firm will sue me. I responded/disputed to XXXX letter XXXX choosing " I want you to send me the name and address of the original creditor. '' On XX/XX/XXXX, I received another letter from XXXX XXXX Firm stating that they have advised their client ( Collins Asset Group , LLC ) to update the matter as disputed. 

I believe this loan was fraudulently made using my name. I did not receive an amount of {$7400.00} into the XXXX account because I did not bank with XXXX in XXXX. I did not sign a contract by XXXX Bank- the loan agreement shows a XXXX signature and this is not my signature. The signature looks to be forged or digitized. The loan agreement shows 15 pages but I only received 11 pages from this law firm.

I reviewed my bank statements and personal information and do not have any deposits into any accounts of the amount {$7400.00}. The paperwork I received from XXXX XXXX XXXX ( document labeled XXXX XXXX ) sent the document with pages 12-15 missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: CITIBANK, N.A.
State: CA
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:
Rented house via XXXX using Citi card. House presented numerous health and safety concerns ( DEFECTIVE SERVICE ), including descriptions that were fraudulent misrepresentations in listing ( e.g. non-smoking ). XXXX instructed us to leave the house, which we did at earliest opportunity. XXXX made multiple representations of refund and other support. Phone records and other documentation are available confirming these representations. But XXXX did not issue a full refund. Citi charge card refuses to reverse charge for this defective service/fraudulent misrepresentation, despite extensive evidence presented including phone recording and internal notes provided by 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 2021-06-10
Company: U.S. BANCORP
State: ID
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have had my XXXX XXXX payments switched to a us bank relicard debt card since we are closing our XXXX XXXX account where the XXXX XXXX payments used to be deposited. The XXXX XXXX account was closed so I had a refund ( {$180.00} ) from a dentist office sent to my new relicard. The us bank then froze my account, not allowing me to use my XXXX XXXX because they claimed no deposits can be applied to the relicard unless government funded. They also claimed those instructions where on the form that was sent with my relicard and i should have been notified of this. I have the form in front of me and can send a copy that does NOT state this anywhere. They have froze my XXXX XXXX account because I can not supply a receipt of an over the phone deposit from the dentist office. This is my money and I need access to it.

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 2023-07-26
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been disputing an account with National Credit Systems ( NCS ) for the past 8 months regarding application to XXXX XXXX XXXX XXXXXXXX, a property that XXXX XXXX XXXX had ownership of between the years of XXXX, the time of original application. My application did not qualify due to the complexs minimum monthly income-level requirement. I was notified that my residency would only be approved by XXXX XXXX by providing an eligible guarantor. Because I did not have access to a guarantor at this time I was not able to pursue residency at XXXX XXXX. Consequently, I resided elsewhere for my XXXX career. Afterwards, I became aware that XXXX XXXX XXXX turned me to NCS. NCS has claimed and reported to all credit bureaus for the previous 4 years that their " client '', The XXXX XXXX XXXX XXXX XXXX a debt of {$5600.00} for the entire lease term for which I had made application and was unable to take on residency. In addition, NCS has repeatedly stated to me that their client would not accept a settlement in the amount of less than {$4000.00}. However, upon contacting their client directly and speaking with management, XXXX XXXX, I was provided documentation stating the attempt was to collect only {$1500.00} according to the ledger generated XXXX XXXX XXXX. In addition, XXXX XXXX reported that due to the age of the account, I could contest the debt with her help upon NCS contacting their client directly. However, NCS has stated that they do not contact clients and continues to claim their client pursues a debt of {$5600.00}. After submitting documents that their client reported a debt of {$1500.00}, I was informed by my " agent '' that an investigation to authenticate documents would be made and based on conclusions appropriate action would be taken. As NCS has been shown to falsify information, I have no confidence in their investigation. I need a resolution to this issue according to their client to contest this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a new American Express Delta Airline branded credit card. The welcome offer was XXXX Delta 'skymiles ' upon acceptance and {$4000.00} in purchases. I was approved for the credit card. I made a {$4300.00} purchase on Delta and paid American Express for the purchase. I needed the XXXX miles for upcoming travel. 

Two months later the XXXX miles was not credited to my account. I contacted American Express and was told that the welcome offer review usually took 8-12 weeks and to be patient. 

I waited another two weeks and contacted American Express again. I was told that the welcome offer was still in review and to contact them in another two weeks if the miles had not been credited to my account. 

I waited another two weeks and contacted American Express again. I was told that the welcome offer was not available to me because I had previously had an American Express Delta Airlines branded card. I was told that it was American Express policy to notify new applicants if they were not eligible for the welcome bonus during the approval process. I mentioned I was not notified. Further, I mentioned that I was not notified that I was not eligible for the bonus the first and second time I called ; and was only notified on my third call. The customer support agent ( XXXX ) told me she understood and asked me if I wanted to cancel my credit card. I did cancel it, without receiving the welcome bonus and losing the annual fee.

Company response to consumer: Closed with explanation