BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-09
Company: EQUIFAX, INC.
State: KY
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:
According to XXXX XXXX XXXX, I signed up for e-billing at the end of XX/XX/XXXX. I stopped getting statements from them and just had no idea I wasn't getting statements or that I was not paying on my account. XX/XX/XXXX and XX/XX/XXXX were delinquent, but I had not received any billing for this. I had made on-time payments each and every month since XX/XX/XXXX, when I became a card member XXXX, reported that I was 60, days late to the credit agencies. This is a huge problem because I do pay my bills on time. It has adversely affected my credit score, which insurance companies, banks, etc, look at. 
This misrepresentation has affected my credit score and my ability to get correct and fair rates for insurance, loans { I've already been turned down for a loan }, and future financial actions. This information, as deceptive as it may be, will be on my credit file for up to seven years, and all because  XXXX, says I signed up for e-billing. XXXX, should have made sure I authorized this action. XXXX, says they sent me an email. I explained to them that I am a XXXX y/o person with over 50 thousand unread emails. I would never sign up for e-billing. XXXX, says they sent an email to my account and that was sufficient according to them. I told them that of course they would like everyone to do e-billing so they wouldn't have to send out bills ; think of the money they would save!! 
I wrote XXXX, on XX/XX/XXXX. I then wrote the XXXX concerning this problem. I will try to attach the letters. I received a phone call on XX/XX/XXXX or XX/XX/XXXX from a young lady stating that she would investigate my case, probably because I wrote the XXXX. 
THE BOTTOM LINE IS : XXXX, is acting in a deceptive way. This is just one more example of this companies deceptive practices. I've read about all the different law suits and how their paying out millions of dollars. I'm not asking for money, I want them to repair the damage they have done to my credit file and they need to be forced to have better practices concerning alleged authorization. When money, credit files and business practices are involved, they need to be sure of what is going on. They need to get final authorization from the card holder BEFORE any changes are made to their accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NY
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 am writing to express my ongoing concern regarding an inaccurate late payment entry on my credit report, which HAS NOT BEEN CORRECTED DESPITE MULTIPLE REQUEST FOR RESOLUTION. This matter pertains to an alleged late payment of {$3200.00} on XX/XX/2022, as reported by XXXX XXXX with account # XXXX. I wish to emphasize that this late payment entry is in error, and I have provided substantial evidence demonstrating my consistent, on-time payments to XXXX XXXX XXXX Despite my previous communications and the supporting documentation I have submitted, the inaccurate late payment entry persists on my credit report. Please have this account REPAIRED : 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 explanation
Consumer complaint received 2023-05-25
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I filed an original complaint against CREDIT ACCEPTANCE and received a response from XXXX XXXX to seek further info about my complaint with the company. I explained that they have told me SEVERAL times that they don't have my debt and that it is being " handled '' by XXXX XXXX XXXX. Upon contacting them about the unlawful practices as advised by the FCRA of trying to collect a closed debt, in addition to a vehicle that was resold, they don't have the title to, wrote off with the IRS, and sent to another agency that I don't have a contract with I was threatened by XXXX XXXX with the Compliance dept at CREDIT ACCEPTANCE CORPORATION that she would update my credit report to say that a closed account is Open to try to collect a closed debt. I also advised that I would complain to the XXXX  and was told by her that it would get compiled with this complaint to deter 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 2021-05-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/XXXX I deposited a check for XXXX it was from a chase client they put those funds on hold for two days. When XX/XX/XXXX came I tried to withdraw and was not able too. I called chase they said my account was restricted and that it was going to be closed. In the mean time I had a sba loan that was going to come in I didnt think it would go in because of the closure of my account. I call chase and I see that they had put those XXXX that were in my checking into my daughters account that is link to mine without letting me know. They had recieved the XXXX loan of XXXX but didnt put that one in there. I called chase to ask why they had put the XXXX in the other account instead of mailing it and where are the XXXX. They were suppose to mail me all my funds within seven days but they havent. Now they are saying that my sba funds of XXXX are on hold until I go in the branch and show them documentation of my business. Which I dont mind but by law they are suppose to mail my funds back to me. Im no longer their client. They chose to close my account. I asked them to send it to the XXXX because thats where it came from. They said they can do that but wont give me a date to when they will do that. Those loans have time sensitive. I call chase and they give me the run around and they even hang up the phone on me. I need to see what are my options. When I applied for that loan I gave my paper work to my lender. Theres no reason that I would have to prove it to them especially if I no longer have the account open with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: CA
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:
My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

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 2022-11-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct/repair the account listed below : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am extremely frustrated and upset that both XXXX  and Franklin Collections decided to report this on my credit report, after being informed numerous times that this debt is invalid and highly disputed. XXXX is attempting to charge me for equipment that was " not '' returned - however this is completely false, I returned this equipment via the self addressed boxes they provided, and any claim to the contrary is highly disputed. I have informed XXXX  about this in writing on several occasions. 

Franklin Collections is also reporting this on my credit report, for which I highly dispute since they should have sent me a dunning notice allowing me the right to dispute this or resolve it before placing it on my credit report. This is highly predatory and unfair, as now I'm in the middle of obtaining mortgage financing and this account is stopping me from obtaining the best possible rate, something that will cost me XXXX XXXX XXXX  of dollars if this error continues on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
They ( BofA ) sent me the information of where they sent my monies BUT couldnt explain why!! Ive been receiving these XXXX checks for over 2 years now having them transferred to my personal bank bi/weekly and never had any problems, BUT now this individual hacked my account for over {$2500.00} and its been over ten days without any monies being received, or returned back to 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 monetary relief
Consumer complaint received 2023-02-07
Company: Bread Financial Holdings, Inc.
State: MD
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, this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Municipal Collections of America Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a phone call today from XXXX. I usually do not answer these numbers but being that we had a mattress delivered I assumed it was the company for a survey which I was going to take because they provided expedient service. Like less than 24 delivery. Awesome. 

I answered said hello. She asked to speak to a " XXXX XXXX '' ... my name is difficult to pronounce for some but the way she was struggling to continue with her script I just hung up and chalked it up to spam. I decided to XXXX to find out what XXXX the number is attached to. It came back as XX/XX/XXXXXXXX XXXX XXXX of XXXX XXXX. 

This is a surprise to me as I NEVER am late on bills and payments. Thought seriously about every possible bill I could have and then XXXX further about this company. This is a fraudulent company attempting to collect on traffic tickets. I wish I had let her continue but the websites are the best I can offer. There is no reason for a debt collector to be calling me about a debt in Iowa when I've not been there. 

When I call back they just hang up. Something is fishy here. The number is used on the City of XXXX XXXX webpage and also City of XXXX. I've never been to either place https : XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: MOHELA
State: IL
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:
Mohela is the new provider for public loan forgivenss loans. I consolidated my loans, and before the consolidation, 90 % of my loans were under the XXXX plan. After consolidating, MOHELA dropped my plan to the " level '' plan and is currently charging daily interest. Had they left my loans in the XXXX plan, I would not have an interest rate added. They told me, that my request to be put back on the XXXX plan was placed on XX/XX/XXXX, and the interest rate was being charged starting XX/XX/XXXX. They said, after approving my request, the interest amount would stay in my account. I asked why, and they said that there is nothing they could do. I think this is an illegal practice to collect money for themselves, after having taken over as the provider for public service loans. The reason why I have qualified for this loan, is my 21 years in the military. I feel robbed and taken advantage of, and I hope that the XXXX  will take care of this complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Every time I call they hang up on me when I request a manager.

Every 3rd of the month I attempt to make a payment and I am being blocked by the card issuer. I go to the store to make the payment in person and the card issuer then wrongfully charges me late fees when the payment is make on or prior to the due date. 
This card will never be paid due to these wrongful late fees. Note their automated and web system will not issue or allow me to reset a password as their system claims my info does not match. 
My only recourse is to pay the outstanding balance in full and weeks prior to the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I received a phone call from what they said was Chase Bank which is my bank. The individual noted that there were fraudulent charges on my account as follows : {$5000.00} of XXXX XXXX attempts in XXXX Georgia {$2000.00} of XXXX purchases in XXXX Georgia {$43.00} charge at XXXX in XXXX I do not live in XXXX nor have I travelled to XXXX. The individual read off other legitimate charges to me. They indicated that they would call me again on Friday, XX/XX/XXXX, at XXXX XXXX. They also sent me emails from JP Morgan Chase indicating fraudulent charges. 
On XX/XX/XXXX, I received a phone call from an individual who noted that he was noting a {$41000.00} transfer out of our account to a person named XXXX XXXX. He is asked if I authorized this to which I said no. He was sending codes to me and my husband as if he was from Chase ( his phone number was XXXX. He noted that there was a special FBI and Police investigation- it was an active investigation and that I could not speak to anyone to not compromise the investigation. 
He subsequently directed me to the bank to wire money to catch the criminal noting repeatedly that this was the way to catch the criminal. I wired a total of {$40000.00} from my checking account at Chase while he told me to not say anything to the teller as this was part of the process in the investigation. 

I subsequently wired money to XXXX XXXX at XXXX XXXX  and am now trying to recall the wire as Chase has noted that this is not a practice they would do nor would they engage in this type of a criminal investigation. The amount of the wire was XXXX {$40000.00}. 

On XX/XX/XXXX I filed a IC3 Complaint Referral Form with the FBI. The FBI called me 2 days later noting that they had received the information and would put a message out to the banks. 

I subsequently called XXXX XXXX  and have spoken to an individual in the Wireless Fraud Department who has told me that most of the funds that were wired to the account are still there. We have also been in contact with XXXX XXXX  XXXX XXXX XXXX XXXX. 

XXXX XXXX  has requested us to pursue a Hold Harmless from Chase Bank. We have been in pursuit of Chase Bank ( in person and over the phone countless times ) to determine who can help us from within Chase to obtain a Hold Harmless. We need our funds back and Chase is the bottleneck at this point. I have tried to figure out who the District Manager is at Chase Bank in XXXX XXXX as the Branch Manager is unable to assist much further. 

Chase Bank has also noted - via their Secure Messaging Portal - that they can not get in touch with Regions Bank. I have already supplied them with information on who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account onXX/XX/19 and requested the method of verification for this account. I know that this account can not be verified because I have reached out to XXXX XXXX and they never responded. 

On XX/XX/XXXX, I sent a letter directly to XXXX XXXX XXXX XXXX account XXXX requesting all the legal documents that they should have in regards to the auto loan and everything with the repossession and selling of the vehicle. On XX/XX/2019XXXX XXXX received my request ( tracking number XXXX XXXX XXXX XXXX XXXX ) and never responded. You are still continuing to report this account on my credit reports and you do not have the legal documents to do so.

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 2023-06-30
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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 2022-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The bank on where I have my accounts XXXX Bank of America ) in one of my checking account a withdrawal was bieng made for the amount of {$24.00} dollars every month since XX/XX/2016 without my authorization to do so, I became aware on such transactions three weeks ago because this bank sent me email of this malicious transactions, I report this directly to the bank fraud dept after that they came with an answer few days later that its realy was scam but they only want to be resposible for one year only, so what about the rest.

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 monetary relief
Consumer complaint received 2022-03-30
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I call agent XXXX on the phone run for me a quote for my auto insurance and home insurance together around XX/XX/21 I want insurance beginning on XX/XX/21 Because I want change my insurance XXXX wil expired on XXXXgo XXXX if cheaper so When he run a quote done he tell me if you want get discount you had to pay full amount now I agree I give him my bank router and account number But some how they can withdraw my money from my account they are sending a letters my insurance will not affect on XX/XX/21 Even I call them to pay full amount on XX/XX/21 they didnt accept because they said I have to pay more only discount if we can took your money 2 week before So I aslo keep my XXXX insurance on XX/XX/21 until now Few months I see a bill from XXXX I call XXXX I ask why I owned money from XXXX because XXXX cancel the insurance from the beginning Right now they send me credit collections services Can you help me out? 
Any questions you can reach me by text XXXX Email XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation