BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: Monterey Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call from XXXX, a representative from Monterey Financial ( MF ), on XX/XX/23 who followed up on the email exchanges I had with the company. I told XXXX that I do not owe any debt to MF. He told me that MF is just a loan servicer, not a debt collector. Yet in the email exchanges, it clearly states that MF is a debt collector. Even on its website, it prominently states that it is a debt collector. XXXX threatened that if I do not pay, the company will report it to the credit reporting agencies which would damage my credit. I have never received a statement from MF or XXXX showing the amount owed, payment due date, and amount due.. NOTHING! 
I believe Monterey Financial is not just a debt collector in this transaction. It is an active participant in foisting a scam. If it is just a debt collector, why does it aggressively advocate XXXX 's interests? It encourages me to ask for its help in taking advantage of my XXXX membership. 
I have attached the email exchanges between MF and me, and the letter I sent to XXXX XXXX XXXX which triggered this email exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, I booked a flight in XX/XX/2020 for a trip using XXXX Chase Ultimate Rewards points and {$11.00} in cash for a trip to XXXX on XXXX XXXX departing XXXX XXXX, 2020. On XXXX XXXX, 2020, the airline cancelled 3 legs of the flight. I immediately contacted Chase for a full refund since the airline cancelled my flight. After more than 3 months of back and forth Chase is denying me a refund of my Ultimate Rewards points and cash, instead offering me travel credit with the airline ( which I never requested and don't want ). Since the airline cancelled the flights, not me, and because it's departing from within the US, the Department of Transportation states that I'm entitled to a full refund in my original payment form. I've explained this to Chase and they refuse, saying that the airline doesn't want to give me my refund. I've also filed a complaint with the Dept. of Transportation, however I'm hoping you can help resolve this issue for me with Chase directly. I paid for a service in cash and points and that service was never provided because of the airline. I've attached documentation of all this. Thank you for your help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion , XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2023-08-29
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I completed payment on my loan with Green Sky and my bank mistakenly sent and extra payment of {$370.00}. The company didnt issue a check when they received the overpayment and when I saw it on a statement 2 weeks later and called I was told I have to wait for 30 more days to get my refund. That is 6 weeks! 
The company holds my finds hostage making an interest. They charge 25 % interest for their loans with 0 % intro financing for 12 months. If a payment is delayed by more than 10 days, they will charge 25 % retroactively and I would have forfeit the intro financing. BUT they can hold my money for 6 weeks without any consequence. When I called I was rudely informed that there is nothing I can do about it. I find this practice greedy and dishonest. The amount mistakenly withdrawn from my account can be of consequence and Im not willing to have it held without my consent for 6 weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Account shows as a missed payment on all 3 Credit Reporting Companies : XXXX, XXXX, and Equifax. 

The Company XXXX XXXX has a miss payment date in XXXX of 2022 for all 3 credit reporting companies. 
I disputed online all 3 with the XXXX XXXX payment with incorrect information on each report. The information was corrected, but not the payment error. 

The payment was due on the XXXX of XXXX of 2022. Included are to papers that show that the payment was received days before the due date. It was sent via electronic check to XXXX XXXXXXXX XXXX bank account for full payment closing out the account. 
XXXX XXXX was notified via phone multiple times 2 weeks in advance. XXXX XXXX normally will freeze the account upon payout funds received. 
XXXX XXXX had the payment funds sent into their account from XXXX or XXXX. The funds were seen by the Customer Service and bank, and cleared on the on time. 

Added is a letter from XXXX XXXX showing the Payment was cleared for the Due Date. 
Added is a Receipt showing payment of the electronic check sent to XXXX XXXX days before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: MARINER FINANCE, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XXXX of these years after 1 payment being late over 30 days, the company tried to intimidate and scare me by sending a letter stating that I had given them a bad check ( NSF ). This tactic was used to scare me into calling them so they could obtain my number to further harass me. They then sent a second letter wanting me to call them with a phone number. I never wrote a bad check. The last payment I made was in XXXX, not XXXX. However this tactic caused great stress to me. The letter did not include a check number, an amount, or a photo copy of the check. It was simple deceit and pressure. The county attorney was never notified of any bad checks either. 

The particular office is MARINER FINANCE, XXXX XXXX XXXX  XXXX, XXXX KY XXXX. Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, 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:
I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts I have made to correct late open account associated with my financial profile. The continued presence of these inaccuracies on my records is causing significant distress and affecting my financial well-being. I initially brought these issues to your institution 's attention, with the hope that the necessary corrections would be made promptly. However, despite my multiple efforts to rectify this situation, I have yet to see any meaningful resolution or progress. The late open account that are currently appearing on my financial records are having adverse consequences on my creditworthiness and financial stability. They are making it challenging for me to secure loans, credit, and favorable interest rates, thus impeding my ability to meet my financial obligations and achieve my financial goals. I first submitted a request to correct these late open account, providing all the required documentation and evidence to support their inaccuracy. Nevertheless, my request was denied without a clear explanation or thorough investigation. Determined to rectify this issue, I submitted a second request, reiterating the evidence that these late open account was erroneous. To my dismay, this request was also denied without any indication of progress or resolution. Following these unsuccessful attempts, I made a third and final effort to address this matter, with the expectation that my concerns would finally be addressed appropriately. However, I have received no communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open account and, if found to be inaccurate, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracies and their impact on my credit profile. I also urge your institution to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct the following late open account from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My Mortgage company has been Freedom Mortgage for a few years, ive had so many issues with my Escrow payments and adjustments. I have to call in daily just to check and make sure the balances are correct. This year Of XXXX XXXX XXXX XXXX I sent extra every month to my Escrow to make sure i had enough to pay taxes. 
I sent between XXXX XXXX XXXX  extra. With the {$120.00} from mortgage Escrow The total came out to be {$1900.00}. Freedom Mortgage kept {$900.00} of it and sent back {$1000.00}, Freedom sent me a paper in the mail XX/XX/XXXX that stated my mortgage went up from {$730.00} to {$740.00} to current statement amount of {$770.00}. The reason it went up Freedom Mortgage said i didn't have enough in my Escrow. XXXX Chief Deputy Commissioner of the Revenue said she sent Freedom Mortgage the tax paper XX/XX/XXXX for this year of XXXX stating i was exempt i qualify for XXXX based on city ordinance XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then refaxed my taxes papers on XXXX through XXXX, Freedom mortgage kept giving me the run around said i had to wait 1-3 days until they received and they never contacted me. I later called back up to Freedom Mortgage talked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every time i call back they give me anew person and when i present the recent ID number they say that person doesn't exists. They owe me {$400.00} and have not resolved the issue no matter how many times i call up there, they are rude Freedom mortgage gives me the run around all the time and i just want them to make my balance right and i feel that im being scammed out money from catching them this time my payments are wrong, there sending me my Escrow back and then trying to raise my mortgage when they had the money. XXXX from Freedom Mortgage told me if i send them more money they would just send it back to me and persisted on arguing with me. Im a XXXX XXXX XXXX women and im tired of them scamming me, they have been doing this for awhile and this time around im keeping my receipts and staying on top of them because i sent extra in my escrow because i want to keep my taxes down they have not been doing right 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 explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Account shows as a missed payment on all 3 Credit Reporting Companies : XXXX, Experian, and XXXX. 

The Company XXXX XXXX has a miss payment date in XXXX of 2022 for all XXXX credit reporting companies. 
I disputed online all XXXX with the XXXX XXXX payment with incorrect information on each report. The information was corrected, but not the payment error. 

The payment was due on the XXXX of XXXX of 2022. Included are to papers that show that the payment was received days before the due date. It was sent via electronic check to XXXX XXXXXXXX XXXX  bank account for full payment closing out the account. 
XXXX XXXX was notified via phone multiple times 2 weeks in advance. XXXX XXXX normally will freeze the account upon payout funds received. 
XXXX XXXX had the payment funds sent into their account from XXXX or XXXX. The funds were seen by the Customer Service and bank, and cleared on the on time. 

Added is a letter from XXXX XXXX showing the Payment was cleared for the Due Date. 
Added is a Receipt showing payment of the electronic check sent to XXXX XXXX days before the due date.

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 2021-02-12
Company: EQUIFAX, INC.
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:
Ive had a credit card with XXXX XXXX XXXXXXXX XXXX for more than 15 years and Ive never been delinquent. To avoid delinquency I schedule auto pay to ensure payments are successful and timely. 

A few years ago, I discovered a 30+ day delinquent notation on my account and I called XXXX . I was unaware that my autopay stopped. I didnt receive calls or information in the mail to avoid the situation. I asked if this could be waived and they told me they would remove the fee and negative comments. 

Its been almost 5 years and they havent removed the negative information. I have sent multiple emails and called to have the delinquent comments removed. This situation has affected how my family and I operate especially during the pandemic as I am trying to help my extended family in other ways. The delinquent information has really impacted my future financial transactions. Please remove the delinquency status from all three credit bureaus and the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Data Search NY, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened a XXXX XXXX  account a while ago that charged off. Since then the account was placed with Trak America a collection agency. The account was sent by them to XXXX XXXX XXXX. I have been trying for a week or so to reach them regarding the debt but they dont answer and they dont call back. I have brought this to the attention of Trak America 3 times and they have failed to tell me how to resolve if the debt is placed with a non communicative attorney. 



XXXX XXXX XXXX XXXX XXXX XXXX  They have conveniently removed the complaint tab from their site

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: SC
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 have been disputing these same items for months and no help. Please delete these inaccurate and unverifiable items from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need you to take action and investigate the inaccuracies on my credit report so that it accurately reflects my financial standing. As per FCRA section 611, it is imperative that you have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers! After doing some research into Metro 2 compliance standards as well, I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: NY
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'm a victim of identity theft. Attached are the listed items not associated with me, along with my ID, and FTC report.

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 2021-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently viewed my credit report and found out that there is an alleged debt that has been placed on my credit report i have no knowledge of this debt is fraudulent i have attached an FTC report please remove this account from my consumer reports with the credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX have 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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