BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and an update because they were reported incorrectly in my file. 
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 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 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 2022-11-23
Company: EQUIFAX, INC.
State: RI
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 is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt for collection in the amount of XXXX from XXXX XXXX who was sold to Jefferson Capital Systems ( JCS ) and XXXX XXXX XXXX in which both companies sent me letters for debt collection, i paid the amount of XXXX to JCS on XX/XX/XXXX as a settlement and to also remove it from my credit profile. Although the account was paid, i talked to XXXX XXXX XXXX on XX/XX/XXXX still wants to collect the amount of XXXX to remove the account i had already paid to JCS. They told me JCS wasnt supposed to collect and that i still owe them the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: WELLS FARGO & COMPANY
State: UT
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:
On XX/XX/2021, I submitted a dispute to XXXX  because they were showing my Wells Fargo Credit Card as a closed account. I never closed my Wells Fargo Credit Card and I asked them to change it to an open Status. This Wells Fargo Credit Card has a 14 year history and is accurately reflected on XXXX  and XXXX. I have never missed a payment and I have really good history with the Wells Fargo Credit Card. 

XXXX  did not change the status of my Wells Fargo Credit Card to open. They deleted the entire history. I no longer have my Wells Fargo Credit Card and the history on my credit report. This has negatively affected my credit because this card had a long history of on time payments. Without this history, my credit is not accurately reflected. 

On XX/XX/2021, I called XXXX about my credit history being deleted. XXXX  told me that there is nothing they can do and I have to ask Wells Fargo to send a report. I called Wells Fargo on the same day and they would not agree to send a report to XXXX. I simply want my credit report to be accurate. XXXX  caused the problem. They should fix 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 non-monetary relief
Consumer complaint received 2021-12-07
Company: Upgrade, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Through personal finance site XXXX, I had heard about the Triple Cash Rewards credit card product from Upgrade, and the fact that it offered 3 % cash back rewards on some very unique spending categories was very intriguing to me. On XX/XX/2021, I began the process of applying for the card directly through Upgrade 's website. 

After providing them with my name, address, Social Security number, bank account information, and  income, I was rather surprised to be informed that I was required to enroll as a member of the XXXX XXXX XXXX XXXX before my application could be processed. Although Upgrade states that they will cover the initial deposit of {$5.00} and the first-year 's membership fee for the credit union , the fact that joining the credit union was a requirement for the card was never disclosed anywhere on the website or during the application process itself ( until after the sensitive information was provided. ).

This seems incredibly deceptive, and had I known that applying for this card would require me to sign up with an additional financial institution that I'd never heard of before ( and that would entail an ongoing cost of membership ), I never would have bothered signing up in the first place. 

After trying multiple times to unsuccessfully proceed with the card application process without joining the XXXX XXXX XXXX XXXX, I was eventually presented with an option on the website to indicate that I was no longer interested in the card and could permanently withdraw my application, which is what I did.

I believe it's only right for consumers to be told of this secondary requirement very plainly and clearly before they begin the application process for the rewards credit card ; I'm sure I'm not the only one who has been miffed by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, TRANSUNION, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS

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 2022-05-02
Company: EQUIFAX, INC.
State: NJ
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 XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
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: Public record information inaccurate

Complaint:
ALL CRA REPORTING PUBLIC RECORDS ON CREDIT REPORT ... I NEVER HAD ANY BANKRUPTCY AND ALL AGENCIES REPORTING INCORRECT " PACER '' DATA ON FILE/ NOT MY ACCOUNT ..CASE # XXXX..VIOLATES FCRA  PROVISION 604,605,607,611 AND 623 ( A ) ... REMOVE FROM CREDIT REPORT ASAP [

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 2023-09-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
Since XXXX i been a victim of identity theft, since that time I have been receiving U.S. mail and phone calls regarding accounts being opened in my name. In XXXX I filed an identity theft report with the police department. On XX/XX/XXXX I became aware of a fraudulent account that appeared on my credit report with the name of Jpmcb Auto account number XXXX and realized that I had never applied for such an account so I filed an FTC report with the Federal Trade Commission, I filed an identity theft affidavit with the XXXX XXXX police department and filed Legal notices to cease and desist their activities and remove the fraudulent account from my credit report. I sent them everything required by law to remove the fraudulent account. My Drivers license and social security card with my current utility bill to validate my identity. I sent them a valid identity theft report from the FTC and police department which JPMCB auto, XXXX, and XXXX denied and claimed to be fake or invalid reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: TRANSWORLD SYSTEMS INC
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2109, we had my daughter t the hospital. She is almost 2. 

The hospital sent bills, over and over with one listed as a XXXX. I called the hospital and talked to their financial people and they told me they didn't see that charge. I told them I have multiple prints of the bill with the XXXX listed. They told me they don't see that. 

I asked them to send me a bill with all the itemized amounts. They never did that. 

I tried to dispute it with the credit organization and nothing came from it. But, they did send me the medical bills and there WAS a bill with the XXXX that didn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: U.S. BANCORP
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tendered the payment as of XX/XX/2019. THey have destroyed deleted and or alleged payment went missing. THey also claim that payment was not received when I have proof of service from the XXXX with a signature from their agent named XXXX XXXX. On two occasions this agent on behalf of USBANK signed for this payment. Please see attachments for more details.

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 2023-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Back in XX/XX/2023 a representative called me to make a payment on my credit card. They asked me if I wanted to sign up for automatic payments & have a cheaper payment ( who wouldnt want a cheaper payment ) & make a payment for that month. The representative set up automatic payments but never made that payment as agreed. This closed out all the rest of my credit cards. Ive never had a late payment on anything on my credit in my life besides this situation with Bank of America. So disappointed.

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 2020-07-31
Company: ARS National Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last year in XXXX I was notified of a XXXX $ debt owed to XXXX. It was my fault. I thought the bill was on auto pay and never looked at my statements. ( The account is services by XXXX card holder services ). 

ARS debt collection agency was servicing the debt Their address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

The representative I spoke with asked for an initial payment of XXXX {$200.00} dollars. They also set up a monthly payment that would automatically be debited from my checking account each month for {$71.00} until the total debt was payed off. 

In XXXX of this year, the final debit for the remaining balance of {$33.00} was taken from the account. These transfers were automatic, and initiated from ARS, not me. 

2 months later, I received a new bill from XXXX showing I owed {$140.00} + {$86.00} in late charges - all from the original debt. 

When speaking to representatives from ARS, they explained that the details of the repayment agreement were no longer available on my account, and they could only see that I was sending them payments for XXXX $ a month. 

The representative said if I paid the {$140.00}, they could waive the {$86.00} late fees. I paid the XXXX $ on the phone with them ( XX/XX/2020 ). 

I was then billed for the remaining XXXX XXXX which was supposed to be waived ( as they explained to me ). After speaking with two representatives today ( XXXX XXXX and XXXX XXXX ), they said there is no record of the XXXX $ being waived, and the company does not even have the authority to do that. 

All Ive been trying to do for the past year is pay off this debt! Every conversation with ARS is recorded ( by ARS ), they are a debt collection agency, so should be keeping records of payment agreements. 

Ive been getting harassed by them, and every time I try and pay the debt down FULLY, they go ahead and pull something shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: NY
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-03-31
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights 15 U.S.C 1681 section 602 a states I have the right to privacy 15 U.S.C 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: WI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. states I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-09-19
Company: ECMC GROUP, INC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Good Evening : In XXXX, I went through a separation and subsequent divorce. My student loans at the time were financed through ECMC. I requested to make partial payments until I was financially stable again and was told that I had to make full payments or my loans would go into default. I could not afford full payments at the time. Through the separation and divorce, I was forced to file for XXXX XXXX bankruptcy. I made 5 years of monthly payments, which included regular payments to my student loans. Despite payments going to the student loans, I was not given credit for these payments. My loans remained in default and very sizeable default fees and interest accrued. I contacted ECMC about this matter and was told this was policy and federal law. Upon finishing up my 5 years of bankruptcy payments ( all of which were on time ), I was told by ECMC that if I made 9 consecutive monthly payments, that my loans would be taken out of default. They then would begin to work with me to waive the default fees and interest accrued. After my 9th payment was made, my loan was sold to XXXX. Nothing was waived, adjusted, etc. My loans that were {$56000.00} are now {$110.00}, 000. XXXX is attempting to set me up on a payment plan of over {$800.00} a month for 30 years. According to their calculations, this will have me paying {$280000.00} upon completion of this payment plan. That is over 5 times the amount of my student loan amount. I attempted to contact ECMC on XX/XX/XXXX to inquire about the fee and interest waivers, but I was bounced around to 3 different people, who provided me with a total of 6 telephone numbers to call. I have read multiple articles on XXXX and their deceptive practices. I am fearful of what my student loans will turn into through this company after the previous inflations.

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 2019-04-08
Company: PlusFour, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to XXXX XXXX in XXXX and submitted my insurance information. We also have a medical co- pay allowance of {$1500.00} thru work medical insurance. We did not receive a bill from XXXX XXXX and were sent to collections with no notice. I just received a notice from Plus Four after correcting fraud on my credit due to being part of fraud from my purse being stolen on XX/XX/XXXX and also breach with XXXX/XXXX. Plus Four put on medical debt on credit twice on XXXX, once on XXXX. I called XXXX XXXX and spoke to XXXX who did not have a reason for not sending bill, even though their reviews from patients mention the same issue. She told me to call Plus Four. I spoke to XXXX at Plus Four who told me I would have to pay {$10.00} extra for a receipt of payment to show medical bill was paid. Original bill was {$73.00} and had to pay {$95.00} including interest and {$10.00} for receipt to be mailed. Total of {$100.00}. I am upset since many reviews for XXXX XXXX mention not receiving a bill and getting sent to collections. No patient should have to go thru this to have their credit affected for a medical office not sending a bill so a patient can pay their bill. This violates the Fair Credit act. In addition, to charge {$10.00} for a receipt. Can you help investigate Plus Four for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV FUNDING LLC {$920.00} and {$710.00} have been a negative collection on my credit report for quite some time. I had gone through some devastating hardships including identity theft about the time these accounts appeared on my credit report I do not recall any notifications other than collections from several agency 's. I have diligently worked to clear the negative and recover my good credit. I do not know if LVNV still has these accounts, I believe they may have been sold. I am assuming these may be credit card interest due to the amounts appear to be more than any card limits I have had. I don't feel I have enough information to know if these charges are valid.

Company response to consumer: Closed with explanation