BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: Paramount Recovery Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in the mail from Paramount Recovery Systems saying I owed {$350.00}. It did not state who I owed the money to, it did not state if it was a credit card company, it did not state the creditor at all. Neither did they provide any kind of account number. The letter was not asking for any personal information, but it did contain a small form to fill out and send back which I did. The only information on the form was my address which apparently, they already have. The amount stated was an exact figure which is a red flag to me. There are no cents in the amount. There were boxes to check for actions to take. I checked the box that stated I don't believe this is my debt, I checked another box that stated I want to know who the original creditor is. It seemed legit until I looked up the company on the XXXX website. It appears to be an accredited company that has been operating for 20 years but when I looked at the customer reviews, there was nothing but bad reviews and complaints that Paramount never provided the information the customer requested and continued to insist they owed the debt. I think what they are doing is fraud. If they can't or won't provide information that will validate the debt, that means more than likely, they don't have it because the debt is not valid. I would like this company investigated and every case they contrive investigated as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: NC
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:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2018-07-07
Company: JPMORGAN CHASE & CO.
State: MD
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 XXXX XXXX Chase card receive a dispute letter sign by XXXX XXXX .I have retained new copies of my credit reports, and noticed that Chase Card did not furnish the credit bureaus with the required disclosure, within the period required by law. they are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on [ XX/XX/2018 ]. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: AZ
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:
I have attempted several times to work with this company directly in resolving my complaint. I have a late payment reporting on all three credit bureaus from this account inaccurately I could not get in touch with the company to make a payment and they blocked me from using their app for over two months. I HAVE SINCE PAID THIS ACCOUNT IN FULL AND ASKED FOR THE LINE OF CREDIT TO BE CLOSED THE ACCOUNT IS STILL REPORTING AS OPENED ON MY CREDIT REPORT AND NOW IT IS SHOWING TWO ACCOUNTS WITH THIS COMPANY BOTH HAVE THE EXACT SAME INFORMATION AND IT IS MAKING IT APPEAR THAT I HAVE FOUR LATE PAYMENTS ON MY CREDIT REPORT THIS ACCOUNT SHOULD BE CLOSED NOT OPEN AND IT SHOULD NOT BE REPORTING TWICE ON MY CREDIT FILE PLEASE CORRECT THIS INFORMATION AND FOR THE LAST TIME CLOSE THIS XXXX ACCOUNT YOU ARE COMPLETELY UNRESPONSIVE TO MY EMAILS AND THAT IS THE ONLY WAY TO CONTACT YOU. CLOSE ANY ACCOUNTS THAT I HAVE WITH YOU AND IF YOU CLAIM I HAVE TWO ACCOUNTS I WANT PROOF MAILED TO MY ADDRESS XXXX XXXX XXXX XXXX XXXX az XXXX showing that I applied and opened two accounts. I AM BEYOND XXXX AND AM GOING TO BE VOICING MY OPINION EVERYWHERE I WILL ALSO BE CONTACTING AN ATTORNEY.

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 2020-09-29
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX the XXXX my mortgage loan was paid off in full to homebridge financial services and I was to receive a escrow refund check from the mortgage company homebridge financial services. The escrow check that I was to receive in thirty days never received the check at my address.I have made several phone calls to the mortgage about this issue but have not made any head way into resolving this issue with them. They assured me that they would stop payment on the first check that I never received. And they assure me that they would send out another check that they said should reach me within five business days which as of this date has not been delivered to my address.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Army and Air Force Exchange Service
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The reason for this complaint is for inquiry into the Collection item listed on my credit report from Military Star, This account was opened back in XXXX, I've spoken to a representative from Military star about the two missing payments that I located none of which were capture on my account. The payments are- XX/XX/XXXX and XX/XX/XXXX both for {$260.00}, when I read off the address that I mailed the money orders off to ( AAfes. Attn : CP operations XXXX XXXX  XXXX XXXX TX XXXX ). 

The representative from Military Star stated, Oh you were given the wrong mailing location, I stated even if so I'm sure the items would have been forward to the correct department? Somehow these two payments we're never credited to my account the receipts for these two items where missed placed and could not be found until just recently, The first thing I did was to check to see if the items were cashed this took some time due to the time that had elapsed. 

As shown in the attached paperwork these items were cashed but not applied to my account, when my account went delinquent I'm not sure where these payments would have placed my account, now I do understand that I did owe money to Military Star and because these were cashed and not credited to my account I do not want any funds back but could my account be cleared of the collection or removed completely. Please feel free to review the information that I have submitted and the actions that I took to ensure completeness of all issues to show good faith.

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 2021-06-06
Company: Chime Financial Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX XXXX I was looking at my bank account and I saw a transaction for- XXXX another one for XXXX and another one for another-XXXX  XXXX all within the same minute I called immediately to tell my bank they said they can not do anything until the transactions went through then they could do a dispute. I said, declined them! why would you wait until somebody could steal my money! dont let them steal my money! they said, Im sorry its policy to let it go through then we can start a dispute so I had them cancel my card I changed all my passwords and everything so I felt safe again. 
On XXXX transferred more money from my XXXX XXXX XXXX XXXX to my account in the amount of XXXX, {$200.00}, XXXX like I have been doing because I was raising money to fix my vehicle so that I could go to my XXXX for XXXX in XXXX in XXXX instead those also showed negative-XXXX  XXXX. XXXX even though my bank card had been canceled and they also said the same thing, I called immediately they said wowww, exact words, how did this happen when your card is clearly been turn off and compromised, we know this for sure. Then again tells me that they would have to wait for it to go through to start another dispute. 
I told them I have the receipts from XXXX XXXX stating it went into my bank, it never showed that it went into my bank account, only that it came out .you will see Im going to attach my account number and the transactions that came out of my account I found this company very fishy when you dont decline a theft of money to protect the consumer and they are not putting my money back I need Helprin get my money back asasp

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: EQUIFAX, INC.
State: IL
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:
My first attempt to apply for credit happened mid year XX/XX/XXXX when I pulled my credit report for the first time and noticed several discrepancies. I contacted Equifax Information Services by  mail questioning these discrepancies who gave me a list of things to do. I also filed a complaint with the XXXX Police Department because my information had been stolen and obviously used. I provided Equifax Information Services with each and every document they asked me to provide and still go no resolution but a returned form in the mail stating that the information had been verified. Since XX/XX/XXXX I have sent Equifax a dispute letter almost every month with no results. I have sent an Affidavit, A copy of my SSC, a copy of my drivers license, proof of my address, my police reports, and continuous dispute letters paid for by certified. I have asked for account information and verification in all of these letters but have yet to receive anything but the same credit report stating that the information has been updated and verified for the past two years. I'm am overwhelmingly frustrated, discussed, and disappointed with the unlawful and unfair treatment I have received by this company. Equifax is reporting inaccurate information that I owe XXXX XXXX XXXX {$2400.00} account opened XX/XX/XXXX. They are reporting that I owe XXXX XXXX XXXX {$4800.00} opening that account XX/XX/XXXX. They are reporting I have an account in collections with XXXX XXXX in the amount of {$100.00}, come on who lets {$100.00} go into collections. They are reporting that I owe XXXX XXXX an unknown balance for an account opened XX/XX/XXXX and The US Department of Education several amounts on various days. Again, I have disputed these account on various occasions over the two years and hadn't received ANY requested verification. These things have excluded me from living a normal life and being able to obtain credit and purchase a home for myself and my family. I would like some help in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-30
Company: Lending Club Corp
State: VT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have had a loan with Lending Club since XX/XX/2019 and every payment has been made on time with the addition of principal acceleration. Lending Club sends regular emails asking me to apply for a new loan with a lower rate, I tested this offer this evening and received a DENIAL due to lack of Lending Club payment history. Uhm ... .help me out here all payments have been on time and accelerated principal. Deceptive advertising and now a hard pull on my credit, hello UDAAP?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX - XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX # XXXX  XXXX, Account XXXX XXXX XXXX  # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX # XXXX has violated my XXXX XXXX 

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

XXXX5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2018-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an application submitted to Capital One for a XXXX XXXX credit card without her consent. An inquiry was made into her XXXX, XXXX  and XXXX credit reports XX/XX/2018. Also an application for a XXXX/XXXX   account was submitted and an inquiry was made into her XXXX, XXXX and XXXX credit reports XX/XX/2018. While no accounts were established the inquiries are still being reported to the credit bureaus. Official disputes of these activities were provided to each organization ( XXXX XXXX XX/XX/2018, XXXX/XXXX XX/XX/2018 ) and as of this date, neither have provided an update as to the status of the investigation of these matters. This is a violation of FCRA and my client 's consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2020-09-30
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XXXX my wife and I were evicted from our apartment, The XXXX XXXX XXXX XXXX XXXX XXXX. They sold the debt shortly after, to XXXX. In XXXX we hired a debt consolidation company to negotiate this debt on our behalf. Debt was settled for {$3800.00}, but the company is claiming they only settled under my wife 's name and that I still owe more money. There is no reason my wife would settle without me. We have been married since XXXX. We were both on the lease. We were both on the contract with the debt consolidation company. We are still married. Now they won't honor the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

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