BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified by a company regarding an alleged debt. I have reason to believe I do not owe this debt because I didnt give written permission to have these accounts furnished on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: FL
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:
1.In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 2. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account numberXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 3.In accordance with the Fair Credit Reporting act XXXX XXXX Account numberXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-08-30
Company: Mr. Cooper Group Inc.
State: SC
Product: Debt or credit management
Sub-product: Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing

Complaint:
I requested a fix rate. Each time they supposedly helped me I was given an adjustable rate. During closing I was told that if I didnt sign the paperwork they would take my house and my land.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Netspend Corporation
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I had {$400.00} deposited onto my account today XX/XX/2023. I confirmed the available balance of {$400.00} on my account and within 5 minutes, I went to withdrawal the funds in order to pay rent. I was advised which ATM to use so there would be no ATM fees. I had to withdrawal in 2 separate transactions due to ATM limit of {$300.00}. When I began the withdrawal for the remaining {$100.00}, the transaction was declined. I reviewed my balance which still showed {$100.00} so I tried again. It was again declined. I called customer service and they stated I was charged a declined transaction fee. However, the transaction should have never been declined in the first place. This is a racket to steal money from people. I called and spoke with 3 representatives at NetSpend and also a supervisor to no avail. This has to be happening to other consumers. They outsource their workforce obviously English is not their first language then they tell you repeatedly these are legal charges and will not help after the company steals your money. I have a transaction history for proof as well.

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 2023-05-01
Company: Continental Finance Company, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I acknowledge the validity of the debt. 

The company calls me multiple times every day. Some days it is in XXXX hour to XXXX minute intervals. 

The number they are calling from closely resembles XXXX XXXX I have also received several text messages. 

The calls are more than XXXX in a 7 day period. 


I answered a call today XX/XX/2023 to find out it is Card services for my XXXX PLATNUM MASTER CARD Ending in XXXX. 

They claim last contact was beginning XX/XX/2023, but phone record from this past weekend ( XXXX ) show otherwise I requested a settlement option before filing a complaint or taking them to court for violation of debt collection law. 

My settlement option was to keep the account active, open, and wipe the full balance due which is less than the minimum {$1000.00} I can sue them for ( plus court costs ). 

They tried to change it to a payment settlement where I PAY. 

Asked for a supervisor, was told they were busy and said I would wait on hold. The call terminated without speaking to a supervisor. 

I am attaching missed call and call log record screenshots as evidence. 


Called back and had to wait from first to XXXX caller Explained to agent and requested a supervisor.

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 2023-04-05
Company: EQUIFAX, INC.
State: GA
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:
Equifax has displayed unethical behavior and acted unconscionably arbitrarily posting reaged bankruptcy dates reported on my consumer file equifax stated that the source reported the the bankruptcy is the court which is deceptive I verified this with the court and that advised they are not a furnisher and did not report to equifax court reported not responsible for the misuse of my personal information reported on my credit reports XXXX and XXXX acted expeditiously to correct the wrong. 
Equifax is stalling despite I also sent letter with all necessary verification via USPS and received the green cards of correspondence received by equifax. 
This has dropped my score and cause me harm to only have risk based apr over 28 % and less access to credit. I served this country and this is the insult I received. 
Affected my opportunity for XXXX 's promotion and to purchase autombile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: SYNCHRONY FINANCIAL
State: IL
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:
SYNCB/JC PENNEY DC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have contacted both SYNCB/JC PENNEY DC and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. The last communication was the following letter. To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$4800.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some  contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online

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 2017-05-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On  XXXX / XXXX /  XXXX   around  XXXX  i went to the Chase in branch ATM to withdraw {$2500.00} from my checking account to purchase my daughter 's first vehicle. I selected the money to be dispensed as {$1800.00} is {$100.00} bills and the rest in {$20.00} 's, {$10.00} 's & {$5.00} 's. The ATM dispenser opened with a large stack of money. I grabbed half of the bills and when I reached to get the other half the dispenser closed. I received a receipt stating " We could n't dispense your cash. There were technical difficulties, and your transaction was not completed successfully. '' I spoke with a Chase branch staff who advised all ATM 's are separate entities from the branch and unneeded to file a claim with Customer Service. I have filed and appeal the claim twice. Chase claim they have proof the ATM I used is not over {$700.00} in cash and they can not refund me the money. At the time of the initial claim I received a temporary {$700.00} credit while the claim was processed. The claim was denied as invalid and the {$700.00} credit has been reversed from my account which caused  two additional {$34.00} NSF fees in my account as the account went on negative balance for the credit reversal. I insisted and persisted on the phone with Chase  and the refuse to escalate the matter to review or investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I have previously filed with CFPB. The file was closed based on the company 's response which I feel is inadequate. When I spoke to the lady that called from the Office of the President of the bank she asked for my mother 's social security number. She put the number in her computer and said that they have no record of her. She said that they only keep records for so long and then they are escheated. I have already checked with the Ohio unclaimed funds and there are no funds listed for my mother. 

This is the information as I provided it in my original complaint along with my feedback upon receiving the company 's response. 

>>>My mother had a IRA Certificate of Deposit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio. ( XXXX XXXX XXXX XXXX XXXX ) ( Account XXXX  XXXX ) She passed away some time ago and I am having trouble locating the whereabouts of her now matured CD. Can you help me? I filed a complaint through the FDIC and they sent it on to you. Your file number is XXXX which is now closed based on the company 's response which I feel is insufficient.The company that held the account after they acquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio is Fifth Third Bank in XXXX, Ohio. The bank Presidents ' secretary contacted me and entered my mother 's Social Security number into her computer. She said that they have no record of my mother 's accounts. This IRA CD that I am looking for was opened in XXXX and did not mature until XXXX. When my mother passed away in XXXX that IRA CD was still listed in her assets so I know that she did not cash it in. My sister and I have searched our records and we do not have any information to support that we cashed it in. Including tax records fro XXXX until now. I want a further search of their records to find that account. Surely they have micro fiche from that time period! That is too much money, {$17000.00} + to let just slip away!!! <<< Further, I still have the letter that we sent to XXXX XXXX XXXX on XXXX XX/XX/XXXX that referenced my mother 's passing and our intent to deplete the account by XX/XX/XXXX. That letter had our full names and addresses and was signature certified. We were never contacted regarding anything about the account. Again - I want a further search of their records to find that account. Surely they have micro fiche from that time period! That is too much money, {$17000.00} + to let just slip away!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
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: Public record information inaccurate

Complaint:
There are wrong issues appeared on my report,  XXXX  ANISTEE JUSTICE COUR  XXXX   XXXX   XXXX  BKPT CT AZ  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 2023-05-01
Company: Experian Information Solutions Inc.
State: IA
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/XXXX I enrolled into the XXXX XXXX XXXX XXXX XXXX Program which put ALL my student loans into CURRENT status and was to REMOVE any and ALL NEGATIVE/DELINQUENT OR DEROGATORY reporting on my credit reports. 

I pulled a copy of All Three of my credit reports yesterday and see that XXXX has it updated correctly, XXXX needs to remove an item but that EXPERIAN has it showing as a CHARGE OFF/DEROGATORY ACCOUNT IN COLLECTIONS! They state that it is more than 90 days late. 
They are violating my rights under 15 US C 1681s-2 ( A ) ( 1 ) which states that a information SHALL NOT BE INACCURATE on my report. 

They are violating my right to privacy under US C 1681 section 602 A as well as 15 US C 1681 section 604 A Section 2 which states that a reporting agency CAN NOT furnish my account with information WITHOUT any written instructions. 

Lastly and perhaps most seriously they are violating my rights under the FRESH START INITIATIVE which states Under The XXXX XXXX XXXX XXXX in accordance with the Education Department states ( 3 ) The negative mark of default on borrowers credit reports will be removed. 

( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by ED are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in XX/XX/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 2017-05-12
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:
There is wrong information in my report,  XXXX   XXXX   XXXX  - ACCOUNT NUMBER  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 2021-04-28
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
The covid hit. These were unsubsidized and subsidized loans. As well as Pheaa loans. I guess a bank bought the loans? I dont know but they are denying me covid relief from XX/XX/XXXX to the XXXX XXXX. I did not know a bank bought the student loans. Regardless they are student loans from AES. They are denying me covid relief on these loans. I owed {$18000.00} when my loans were original. 4 kids and two divorces later..i owe {$31000.00}. I am XXXX in XXXX. Please help. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: EQUIFAX, 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:
Creditor Name : XXXX XXXX Date : XX/XX/23 Action : When contacting all 3 credit bureaus to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello I just made a large payment of {$260.00} to my  XXXX  card  two  days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.

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 2023-11-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions 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:
Creditor Name : XXXX XXXX  Date : XX/XX/23 Action : When contacting all 3 credit bureaus to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.

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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are a number of unauthorized hard credit inquiries on my credit reports. I did not make these inquiries. I have reached out to the credit reporting agency, as well as the companies, reporting the inquiry and have not been successful.. they each tell me I have to call the other to have the inquiries removed and I get nowhere.

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 2019-10-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
2nd try - Rushmore LM does not know how to properly service negative amortization loans.

I am only allowed to pay the minimum payment on line - not even the statement shows the negative amortization payment amount.

I have to call and spend 30 to 45 minutes with them every month to make my payment because they are not equipped to handle the payment online or by mail.

Companies like this should not be allowed to handle loans they are not suited for.

I understand the loans can be moved however it should be mandated that the new company knows how to service the type of loan the consumer has.

Rushmore LM does not allow me to execute the options of my negative amortization loan. They only allow the minimum payment. This is NOT acceptable

Company response to consumer: Closed with explanation