BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: RS Clark and Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon ; I was actually shocked over the weekend to find a new medical collection from R.S. CLARK AND ASSOC ( Original Creditor Name XXXX XXXX XXXX XXXX ). I immediately contacted the company directly and spoke with your representative there and i gave her my full name, ssn, DOB ; and address - she said that she can not locate any file under my name. The strange part is that this account was reported on my credit over the weekend but it says that it was opened on 2019, and the comment stated that the consumer dispute, and it's under re-investigation. How is that even possible? I never called until today. Just the fact that this is on my credit is in violation of both state and federal consumer laws under the provisions of HIPPA, FCRA, FDCPA, etc and much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions 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 information incorrect

Complaint:
My ONLY NAME AND ADDRESS ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX MY ONLY JOB IS : XXXX XXXX PLEASE DELETE ALL OTHER ADDRESSES AND JOBS AS THEY DO NOT BELONG TO ME. 

I HAVE ASKED NUMEROUS TIMES TO NO RESOLVE.

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 2022-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal. They also violated my rights under 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 2021-11-05
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a long standing customer of TD Bank since 1994. I have multiple accounts, of note, my savings account. TD Bank has charged {$81.00} in excessive transfer fees for each transfer conducted from my savings account. With the Pandemic, I have significantly limited the in person interactions due to my health and being high risk. Also, as I understand it, Reg D had been repealed and I was under the impression that such fees would be waived due to COVID. Further, when speaking to the representative, she indicated that letters were provided to TD Bank customers regarding the " restrictions '' ; to date, I have not received any letters regarding these transactions. I requesting a refund for the fees that I was assessed, for which after speaking to a branch manager, a call center rep, and then finally a call center manager, was finally refunded. Its unfortunate that TD Bank does not take better care of long term customers or work with such customers to retain the relationships. Despite the fact that the fees were refunded, I will be moving my accounts elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX I had a late payment on a XXXXXXXX XXXX XXXX XXXX because I was sick with XXXX  I contacted the company because a late payment was put on to my credit report the company said that they would do a Goodwill adjustment and that they would adjust the late payment in their system as well as with the credit bureaus so that it would not hurt my credit since then they sent me a letter saying that they would do so but they did not to this date they have not I have contacted them several times and each time I got the news saying that they had already corrected it in their system and they had already sent the information to the credit bureaus after contacting the credit bureau several time and putting in disputes they kept coming back saying that the company was still reporting the payment as late after contacting the company yet several times again kept getting the same story that it was the credit bureaus that were lying and had not corrected the file as of this morning I find out that XXXXXXXX XXXX did not do what they said they would do in the letter and are not willing to after all this time I have been a customer of their since XXXX and have never missed a payment they had agreed to this and now they're going back on what they agreed to I have a letter stating such and after contacting them yet again this morning I got a very rude supervisor who pretty much yelled at me and raised his voice and told me they had no plans on doing anything and that he spoke for the whole company XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I purchased 8 tickets to XXXX XXXX XXXX XXXX and a parking pass for my XXXX XXXX troop through XXXX of XXXX XXXX XXXX XXXX XXXX program. I paid {$430.00} for the tickets and pass with my XXXX Rewards Club credit card issued through Chase. Since the amusement park ended up being closed for the time the tickets were valid, through XXXX XXXX, XXXX, I was told by XXXX that I would receive a refund in full of {$430.00}. XXXX said on XXXX XXXX, XXXX, that it had issued the refund to the credit card I had used to pay. Only I had closed my credit card in XX/XX/XXXX. When I contacted Chase, they said they " were unable to locate the merchant credit '' and that my credit card account, closed just six months earlier, had been purged. They told me that if XXXX had sent a refund, it would have been returned to them within 30 days. XXXX insists it issued the refund to Chase, but Chase says it has no record of it. The merchant keeps telling me to contact Chase, Chase keeps telling me to contact the merchant. It has been an endlessly frustrating loop and the ones who have suffered most are children, XXXX XXXX who never got the amusement park trip.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am an identity theft victim and I've attempted to resolve this matter several times with no results

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 2021-04-01
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, Enhanced Recovery Co. added a derogatory mark on my credit report. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Enhance Recovery CO has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not even know who these people are or who they are working for. They have been calling via robocalls for a year or more every day and some times more than once. What little I know is that they say they are debt collectors trying to collect a mortgage debt. We haven't had a mortgage for more than ten years and it has been paid off for more than ten years. I asked them to stop calling but all they want is more information about us. I believe they are some kind of scam artists. 

They say to contact them at SLS.NET on the internet or call a telephone number. What they are after as far as I can tell is more information from me. 

Their phone number is XXXX XXXX XXXX XXXX XXXX They haven't sent us anything or told us anything about what they imagine we owe or who we owe it to. They just have been harassing us VIA robocall every day and sometimes more than once for more than a year.

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 2021-01-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an automated call from ( XXXX XXXX XXXX offering to lower my Chase credit card interest rate. When speaking with the person, they asked for my expiration date of the card which I did not give them. Then they began asking what other credit cards I have and said they work for XXXX XXXX also. Then said they dont work exclusively for Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover Card offers 1 year no interest witn a rewards match, then cancels your card around 11 months when the balance is full. Saddling you w a high interest debt, no rewards points and no credit line : as well as credit damage. The amount of people experiencing this issue mixed with the financial benefit of cancelling match rewards and locking people into a high interest that discover has, and the sheer number of victims on online forums, I believe discover is engaging in this practice with predatory intent. Additionally they did not disclose the cash over purchase interest rates to me. I would like for my account to be reinstated and reported as such to bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Select Management Resources, LLC
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We had went to XXXX XXXX XXXX in XXXX Oh, On XX/XX/XXXX. We received a XXXX dollar loan from them and signed to make 11 payments of XXXX starting on XX/XX/XXXX. We have paid them XXXX all the way up until XX/XX/XXXX. On XX/XX/XXXX I called to make the XXXX payment, I asked them how much I would owe on the loan to pay it completely off at the end of the month after making the payment of XXXX and the lady had told me XXXX. On XX/XX/XXXX I had called to pay the XXXX to close the account, that is when the lady said XXXX was due on the account now. I asked how that was because I just paid them 2 weeks ago and I told her that the lady I spoke to said there was XXXX left on the account. She asked how much I had and I said I have XXXX. They said they would take them but I would have to send in money orders because they couldnt take it from a credit card. So I went to XXXX I got a XXXX dollar money order, a XXXX dollar money order and then another XXXX dollar money order. I sent them in. After a month past we figured that they had received the money and the account was closed because they didnt call and say other wise. Now that a month has past they called two ago and said that they didnt receive the second XXXX dollar money order and now the account is past due but XXXX and is going to go up everyday. While on the phone with XXXX she started screaming and cussing at me. Her exact words were Well when you want to let me XXXX  talk then you XXXX  call me back mind you I had my phone on speaker with my XXXX XXXX XXXX beside because she cant understand whats going on but she sure heard that. Then she said we had until Friday to pay her the money on the account. Every time I would call and ask them how much was due even if I called the day before they would always say there was more money on the account and not by a couple dollar, by a couple XXXX dollars. We just keep dealing with it and paying them more money but now it at the point where we have paid them XXXX dollars and they keep hurrasing us for more money. The loan says that if we didnt pay them a single dime for a full year that we would owe them XXXX and which we have made every payment and then payed them XXXX dollars, which adds up to XXXX dollars and they still want XXXX and more everyday then we would basically pay them back XXXX like we have never made them a payment for the past year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I acquired a loan in XX/XX/2016 from XXXX XXXX. The loan amount was {$10000.00} my payment per month was {$490.00} The during the first 8 months of the loan my car malfunctioned so I was not able to use it XXXX XXXX warrantee covered the cost and deferred one of my payments towards the back of loan.. they did this because I had been paying my loan time and I kept in contact with them. In addition I had an option to defer. Months 12 into the loan and payments the company was brought out by XXXX XXXX  they unexpectedly readjusted the terms set by XXXX XXXX. XXXX XXXX forced me to.pay the deferred payments plus penalties in addition XXXX XXXX removed XXXX XXXX  from all three credit bureaus I called XXXX XXXX to take the car But as of today XX/XX/XXXX the car still appears to be mine here in illinois accessed

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 2021-01-20
Company: CAINE & WEINER COMPANY, INC.
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: CU Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company ( XXXX - XXXX XXXX XXXX XXXX ) calls FROM XXXX to my WORK number weekly for the past 2 months. I have request each time that they DO NOT call this number as it is a work number and I am not allowed to receive personal calls on this number. The company DOES have access to my personal number but continues to call my work number even after multiple requests for them to stop. Their last call to me AT MY WORK NUMBER was XX/XX/2019 at XXXX XXXX   Arizona time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I obtained a loan modification in XXXX. In XXXX I got divorced. I was told by XXXX XXXX ( who carried my modification at the time ) that my loan was Assumeable. I worked for 6 months to get my debt paid off and my FICO score high as to assume the loan on my own. In XX/XX/XXXX I was ready to assume the loan. XXXX XXXX transferred my loan to Specialized Loan Servicing LLC in XX/XX/XXXX. When I called them in XX/XX/XXXX I was told that SLS does not have the capability to do loan assumptions. I spoke to a manager who told me that they can. I followed there steps of sending in a letter to begin the assumption process. After 30 days and now response I called again. Again was told SLS does not have an assumption process, again I asked for a manager. Manager told me that they do and that received my first letter. Gave me the next step of mailing in my divorce decree to show I received the house through my divorce. 30 days later no response from SLS. Many calls and no return calls later I finally recived a letter in the mail from SLS stating that my request was declined with a bogus reason. SLS must allow me to assume not refinance. Per the Ger St Germaine act which is in my Loan Modificaiton language I am allowed to assume the loan in case of divorce. SLS is giving me the run around and you can not reach anyone by phone. I need to get my ex husbands name removed from this loan. SLS needs to accomodate my request per the law. I would like to file a formal complaint against SLS and request that they contact me immidiately with means for me to begin the assumption process per my contratual language in my loan modification.

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 2021-01-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I acquired a loan in XX/XX/2016 from XXXX XXXX. The loan amount was {$10000.00} my payment per month was {$490.00} The during the first 8 months of the loan my car malfunctioned so I was not able to use it XXXX XXXX warrantee covered the cost and deferred one of my payments towards the back of loan.. they did this because I had been paying my loan time and I kept in contact with them. In addition I had an option to defer. Months 12 into the loan and payments the company was brought out by XXXX XXXX they unexpectedly readjusted the terms set by XXXX XXXX. XXXX XXXX forced me to.pay the deferred payments plus penalties in addition XXXX XXXX removed XXXX XXXX from all three credit bureaus I called XXXX XXXX to take the car But as of today XX/XX/XXXX the car still appears to be mine here in illinois accessed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been unable to obtain my credit report from Experian after 6 requests, supplying the complete identity documentation required. I have sent letters with all the required information five times to Experian by mail ( letters dated XXXX, XXXX, XXXX, XXXX, and XXXX ) ; Each time i have received the same form letter back stating that they either do not have record of my credit file or I have not provided the required documentation- which i have done each time. 

The last request via the phone was on XXXX, with the Dispute/mixed records department XXXX who acknowledged that Experian had received my prior requests with the required documentation- and they can not locate my file. They said they would conduct an investigation and fix the mixed file issue that exists, and then send me my credit report. Instead, i received the SAME form letter as above, dated XXXX, with no other specific informationm WITHOUT my credit report. 

I have been requesting my credit report since XXXX through today, a total of SIX times, without receiving it. I am unable to obtain any credit due to this issue.

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 2022-04-28
Company: Conn's, 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: Investigation took more than 30 days

Complaint:
I have sent multiple letters on XX/XX/2022 to creditors and XXXX to validate and verify information on my credit report. 30 days past and I have not received a response from either creditors nor from XXXX. I have then sent the second letter on XXXX to creditors and XXXX warning them that they are in violation of FCRA by not responding to my dispute and verification request letters. When I log in to XXXX I see that XXXX opened an investigation on XXXX and it is showing processing. ( I have attached a print of the page here ). As of today XXXX which is 32 days since they opened an investigation and they have not yet responded to me. That is clearly the second violation of the Fair Credit Reporting Act as the ACT states the Creditors and credit bureaus have 30 days to investigate and respond. I have attached here all the letters I have submitted to the creditors and to XXXX on XXXX and the second warning letters for not replying on XXXX. 
Creditors : 1- Conn 's / Acct # XXXX 2- XXXX  / Acct # XXXX 3- XXXX  / Acct # XXXX 4- XXXX  / Acct # XXXX 5- XXXX / Acct # XXXX 6- XXXX / Acct # XXXX 7- XXXX / Acct # XXXX

Company response to consumer: Closed with explanation