BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-28
Company: CHECK INTO CASH INC.
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a title loan in XX/XX/2014. It was not clearly explained to me that you are paying off mainly interest, very little would go toward the loan princiable. For example I pay XXXX only {$10.00} would be applied toward the principal, the rest would go to interest. No matter how you pay unless you pay the loan off in huge amounts there is no way you can catch up the interest. Now I am struggling to keep up and have fallen late on the loan. When I make a payment it all goes to interest and none is applied toward the princiable. I talked with the regional director for the XXXX California Check into cash to try and work this situation out and have been threaten with losing my vehicle. I have paid approximately XXXX dollars in interest alone. That is more then I borrowed. I have done all I can to pay this loan back and have come to realize that unless I pay it all at once I will not be able to end this cycle. This company targets people who have credit problems and misleads them to believe they are helping. It is only after you have fallen into there trap that you realize it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been disputing the two accounts on my report from Experian and the reporting of validation or updates have not occured. Which is a violation to Federal Law 15 U.S.C. 1681 s-2 and 15 U.S.C. 1681 I advised Experian as well that they are reporting my DOB inaccurate and my information nor the accounts have not been updated but they are saying the accounts have been updated and are reporting accurately which is FALSE. 

The reporting of innacurate and incomplete information is a violation of the FCRA. 

I am requesting update to my DOB and a complete reinvestigation and method of verfication for the accounts. 

XXXX  Account # : XXXX / XXXX  XXXX Account # : XXXX XXXX XXXX XXXX under Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX - Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX - Certified Mail Receipt The reporting of this inaccurate and incomplete information is effecting my daily mode of living, credit standing, credit capacity, character, and general reputation.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/XXXX of this year i wrote a letter to Transunion to notify the Elaborate mechanism that they are indeed Reporting fraudulent information & A Fraudulent Account : XXXX XXXX # XXXX on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. 

They Responded by Mail on XX/XX/2023 & Notified me that the Fraudulent Account : XXXX XXXX # XXXX Was removed from my Credit Report. 

They Followed up with another Letter 4 Days later on XX/XX/2023 and Notified me that they 'Reinserted " the Exact same Fraudulent account : XXXX XXXX # XXXX on to my Credit Report that had been removed just 4 Days Prior. Completely ILLEGAL, Violating a Plethora of Federal LAW Codes & violating my Trust within the Banking System. Their Willful Disregard for Federal Law is Completely Absurd and Repulsive & I'm not sure why they believe that they're ABOVE the Law. Their Negligence has Caused me Stress, Physical harm, XXXX, Hardship, misfortune, suffering, Trauma and emotional turmoil. 

3 months later & Transunion is Still Denying me of my Consumer Rights & Perpetuating their Wrongdoing & Violations of Federal law. They are Reporting a Late Payment with the Exact same Fraudulent Account : XXXX XXXX # XXXX that was Removed & then Reinserted 4 Days Later, Perpetuating the Damages of my Reputation and my Consumer Profile. 

I'm Demanding the CFPB and Every other Federal Regulation to Recognize this as an attack on the Consumer & to step in and Counter their Fraudulent & Illegal Activity & Compel them to Follow the Law. 

& Unfair Practices. 

I have no other Option but to View this as a Direct Attack on Consumers & I will not allow this Elaborate Mechanism to continue to Report Adverse and Fraudulent Account : XXXX XXXX # XXXX to my Credit Report, Especially after they have already removed it. Indubitably Preposterous, unethical, Deceptive, & Unfair Practices.

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 2023-05-02
Company: USCB Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Numerous attempts to stop call including do not call list violation. Old debts buying practices to attempt any gain. Debts collections that is not generate or agreements between collector and owner to attempt financial gain.

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 2022-02-27
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:
In accordance with fair credit reporting act XXXX XXXX Account # Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 explanation
Consumer complaint received 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 completed my loan agreement with XXXX XXXX XXXX back in 2013 with a “XXXX” balance on the account as well as title in hand for my XXXX XXXX XXXX. In return XXXX reported my account stating that the Payment was made after charge off which was not true at all. I have made several attempts with no avail to get the derogatory mark off my report but I either get hang up on by a agent after explaining the problem or told no changes can be made and will stay on report for seven years. I really feel like I’m being punished for something that shouldn’t be because the account was paid to term with a balance of 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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-02-27
Company: AXOS FINANCIAL, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021, in response to an unsolicited ad sent by Axos Bank, I opened a checking account expecting to be given a bonus of {$100.00} if I fulfilled all the requirements. I used the link provided by Axos to apply for the account. Specifically this link was attached to the ad for the bonus. During the application for the checking account I was asked to put in the promo code XXXX  which I did. I funded the account with {$50.00} and later had direct deposits of {$1500.00} within 60 days as required. I was to receive the bonus of {$100.00} within the first 5 days of the third statement cycle. When I did not get the bonus, I inquired by email and was told that I did not sign up for the proper checking account. I was not aware at the time of the application that there was any substantial difference in checking accounts with respect to the {$100.00} bonus. I was told the bonus was only for the Rewards checking and not the Essential checking which I apparently opened. I feel this is bait and switch and fraud. I responded to an unsolicited ad offering {$100.00} to open a checking account which I did. I see no significant difference in the terms of the two kinds of checking accounts and contend this is fraud. I should be awarded the bonus. The purpose of the ad was to get new business which was accomplished. Axos Bank needs to honor its part of the bargain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Please be aware of information on my consumer report is inaccurate!. I have tried to mail XXXX XXXX and Experian on 3 different occasion starting XX/XX/XXXX. I have asked to validate these accounts as I do not know of any of these accounts and XXXX was the only one whom responded and stated someone may be working in my favor. I was upset to have waited this long for them to tell me they need proof it is me. When I included a cop of my id along with proof of my address. in XXXX I asked them to reinvestigate and in XX/XX/XXXX I asked them to again reinvestigate and expressed my final warning, no one as return my calls or neither did I get any correspondence to my mail. 
I asked several times to validate verify XXXX THERE ARE SEVERAL LISTED IN MY CONSUMER REPORT, XXXX XXXX XXXX XXXX XXXX XXXX XXXXY UPSET THIS IS AFFECTING MY CONSUMER REPORT! 
on 3 different occasions the bureaus have failed to respond to me and making me wait and suffer with getting declined for credit. I think this is unfair and should be deleted for reporting inaccurate information.i have read some of the laws and these accounts fall under them and by default should not be on my consumer report! 
THEY ARE ALL REPORTING, FALSE INACCURATE INFORMATION AND HOW CAN YOU DO THIS DURING A PANDEMIC. Delete this for failure to respond over 90 days! here are just some of he laws I read that is showing on my consumer report! 
Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy 15USC1692f ( 1 ). Unfair Practices Under 15 USC 1692e. False or misleading representations Under 15 USC 1692g. Validation of debts please see all my letters send on my behalf and no one has ever responded nor called 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 explanation
Consumer complaint received 2015-05-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, My wife and I have repeatedly reached out to Chase Bank in an effort to get them to correct this matter. I 'm asking for PROOF. 
Chase Bank has continued to refuse to act. They 've collected mortgage insurance premiums, but according to HUD, My wife and I DO NOT have a FHA home loan. Chase Bank wrote that they researched the matter and found that our case number with FHA was cancelled due to non-endorsement, and FHA REFUNDED OUR MONEY to XXXX. I 've repeatedly asked that PROOF be given to my wife and I that the money was sent to us or applied to our account. 
According to Chase Banks response, case number XXXX, they replied with " Your loan closed with XXXX, and we began servicing your loan on XXXX XXXX, XXXX, based on the terms and agreements you established with XXXX. Our records reflect that XXXX refunded {$1700.00} to you by sending a check to you on XXXX XXXX, XXXX. Due to the age of the transaction, and the fact that we do not have XXXX historical records from that time period, we 're unable to provide a copy of the check. 
Chase Bank also responded on XXXX/XXXX/XXXX to case number XXXX with " On XXXX XXXX, XXXX, the United States Department of Housing and Urban Development ( HUD ) cancelled your case number due to non-endorsement. We 've enclosed a copy of our previous letter dated XXXX XXXX, XXXX, and a copy of the letter sent from XXXX dated XXXX XXXX, XXXX, for your records. " This letter that Chase Bank sent from XXXX dated XXXX XXXX, XXXX states " If you paid any upfront FHA insurance premiums at the closing of your home loan, they will be REFUNDED AND APPLIED TO THE PRINCIPAL BALANCE of your loan. " So, which is it? 
I 've emphatically stated that we did not receive a check from XXXX. 
The letter provided by Chase Bank from XXXX says the refund of {$1700.00} would be applied to our principal balance. 
Chase Bank wrote that " Our records reflect that XXXX refunded .... '' And in the same sentence wrote " and the fact that we do not have XXXX historical records from that time period '' AGAIN, WHICH IS IT? either you have the historical records or you do n't! 

This clearly shows a blatant attempt to deceive and mislead us, and I 'm demanding it is investigated by the proper authorities. I 've enclosed a copy of the letter from XXXX to ACTUALLY PROVE what was written. 
Since Chase Bank allegedly does not have XXXX historical records, perhaps they can review the history of our account and show where OUR MONEY was applied. 
This is a criminal act called theft. XXXX took our money, failed to properly secure our endorsement from HUD-FHA costing me thousands. XXXX continued collecting mortgage insurance premiums until XXXX of XXXX. 
Chase Bank purchase XXXX, and says our money was refunded. PROVE IT. 
The next letter Chase receives will be from our lawyer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: MOHELA
State: NC
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:
I paid off my student loan in full to Mohela on XX/XX/2023. They are stating the principal balance still left is {$12.00}, but are charging me another {$15.00} in interest after I just paid {$12.00} in interest. I am being over charged on interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: TX
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$68.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXXection 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$68.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received 3 emails from Midland Credit Management regarding pre-legal action that will be taken against me for debts. On XX/XX/XXXX, I sent 3 letters via certified mail with a return receipts. Each letter stated the following : NOTICE OF DISPUTE To : Midland Credit Management Inc., I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. It is a material misrepresentation for you to attempt to collect any amount more than what you paid for this debt which is fraud upon the court and false & misleading. 

This is a warning! You have violated my rights as a consumer and if you do not cease all collection activities and request for this account to be deleted from my consumer report, i will commence a civil action against your company, in the United States district court. 

Sincerely, XXXX XXXX I would also like to make it known that I did not use my signature to sign the letters that were sent to them. I typed my name on each letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation placed on my PayPal account XXXX. I firmly believe that this limitation has been imposed due to a misunderstanding or error, as I am confident that I have not violated any of PayPal 's policies or terms of use. 

I have been a loyal and responsible PayPal user for XXXX XXXX XXXX XXXX, using the platform for various personal and occasional business transactions. Throughout this time, I have made sure to adhere to all of PayPal 's guidelines, as I understand the importance of a secure and trustworthy online financial environment. 

Given the sudden and unexpected permanent limitation on my account, I find myself perplexed and worried about the status of my funds and transactions. I have always ensured that my account activities are transparent and well within the boundaries of PayPal 's policies. 

I kindly request that PayPal undertakes a thorough review of my account and the circumstances that led to this unfortunate situation. I am confident that upon closer inspection, it will become evident that my account has been unfairly restricted. I genuinely believe that this limitation is not a result of any actions on my part that violate PayPal 's terms. 

I understand that PayPal 's priority is to maintain the safety and integrity of its platform, which I wholeheartedly support. However, I firmly believe that my case warrants a re-evaluation, considering my track record of responsible account management. 

I kindly ask you to re-investigate my case and consider lifting the permanent limitation on my account. The ability to use PayPal is crucial for me, both personally and for potential business needs. I value the convenience and security that PayPal offers, and I am eager to continue using the platform as intended. 

I appreciate your attention to this matter and your dedication to ensuring a fair and secure online financial environment. Please feel free to contact me at XXXX for any further information you may require or to update me on the progress of this appeal. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation