BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-16
Company: WLCC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I did n't realize that online payday loans were illegal in Kentucky if they did n't have a store front. They had it hidden in their paper work that they can garnish my wages. Because of the large interest fees it is difficult to pay this loan off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I paid-in-full my mortgage balance to Rushmore Loan Services. The amount of the payoff was large ( {>= $1,000,000} ). The loan was in default and scheduled for a sheriff 's sale, but I was able to find someone to buy my home at the last minute. Of the {>= $1,000,000} payoff amount, the principal balance owed was {>= $1,000,000}. I have asked Rushmore for a final accounting so that I can understand where all of my payoff dollars went ( principal, interest, late charges/penalties, escrow payments for taxes and insurance, foreclosure expenses, etc. ). To date, Rushmore has failed to provide me with this information. In XXXX, I was told that I would receive a final statement about 30 days after the payoff, but in XXXX, all that was sent to me was a general, non-specific printout of my escrow account. On XX/XX/XXXX, Rushmore told me I would be mailed a copy of the payoff statement used in my  home closing on XX/XX/XXXX, and a statement of my mortgage account activity. As of today, I have received nothing. I have a right to have every XXXX of the {>= $1,000,000} accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: SinglePoint GI
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Account information incorrect

Complaint:
My credit report score was being reduced every month by 1-4 points for low credit utilization since I pay my card off daily. To counteract that I used 15 % of my credit to recoup those loses to my score. Experian then reduced my score by XXXX points. Bringing me from XXXX down to XXXX. I filed a dispute with them and they gave me back XXXX of the XXXX points putting my score to XXXX. The hit was unfair and outside of their guidelines on credit utilization. I want the full points back and the credit bureau to hold these companies accountable for their inconsistent and opaque scoring practices that impact consumer borrowing costs.

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 2020-10-05
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have two accounts old accounts listed from chase appearing on my credit report as a charge off. The accounts and charge offs are over 7 years old they should be deleted from my report. The company refuses to verify any of the information as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: U.S. BANCORP
State: CA
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:
On XX/XX/2023 I ordered two XXXX brand batteries from an online advertisement for {$99.00} from XXXX. On XX/XX/2023 they shipped me two no name brand batteries. This was a fraud. The company wont return my voicemails demanding a refund. I paid thru XXXX which charged my account at Union Bank. On or about XX/XX/XXXX, I tried to dispute the charge with XXXX. I could not figure out how to do that so I disputed the charge with US Bank. ( US Bank National Association. The charge went thru my Union bank account ending in XXXX but US Bank had taken over Union Bank in a merger/buyout so U.S. Bank answered the phone call. US Bank lost my dispute or just shelved it because of the merger and their current financial problems. Now they wont give me provisional credit. I spoke with XXXX on the XXXX XX/XX/2023 for over an hour and she said she thought it was lost in some department handling Union Bank issues and would get back to me. She hasnt. I talked to XXXX on the XXXX XXXXXXXX XXXX as well as supervisor XXXX and he said XXXX did not write any notes! I demand provisional credit now. It is not my fault they lost or destroyed my dispute and they dont make notes on hour long phone calls. I record almost all calls when it says this call may be monitored or recorded. 
I have a screenshot of the ad showing they were selling XXXX XXXX batteries and photos showing the contents the day the package arrived were no name brand batteries

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 2018-04-25
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on XXXX saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXX and it is becoming more comical by the day and someone at Santander should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, XXXX and XXXX should have some blame as well because dates and amounts don't line up and XXXX was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let Santander type in ANYTHING they want without any documentation or reason. Please investigate Santander Consumer USA for FRAUD..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2023, XX/XX/2023, and XX/XX/2023. There was an error on their part. I was never 30 days late.

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 2021-02-22
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: Information belongs to someone else

Complaint:
CREDIT INQUIRIES DOES NOT BELONGS TO ME, IVE CALLED TO THE REPORTING AGENCIES AND STILL NO RESPONSE. I SENT LETTERS AND STILL NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: FL
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 formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act

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 2023-10-07
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a customer of XXXX between XXXX and rented a modem. I used the box and a shipping label XXXX provided to send the modem back after we canceled our service. They claimed they did not receive it and said I owed them {$100.00} for the modem. Since I sent it back to them using their shipping label I do not feel like I should owe them the funds. I still have the remainder of the shipping label sheet and have attached it to this complaint. They sent the debt to collections and I have been getting calls and letters from collectors since XXXX. Originally the false debt was sent to XXXX, now it is with XXXX ( XXXX ). I informed XXXX of the false claims by XXXX and have now informed XXXX. XXXX has also now added a collection to my credit report. I have filed disputes with each credit bureau. The equipment was sent back to XXXX using their own shipping label and I should not be negatively impacted due to their inability to track their own equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX I had overseas health insurance ( I am a US citizen and was living in XXXX and they had very comprehensive travel insurance ) which paid in full the XXXX XXXX Emergency Physician, but it did take a bit for the hospital to negotiate with them. I handled the situation with AR Resources ( XXXX XXXX XXXX XXXX ) several years ago. Obviously, from my credit report their fees from 2019 were dropped. Suddenly, out of nowhere, these fees once again popped up but, this time, with a double entry and new minor fee. In fact, the lower fee of {$86.00} never existed. The {$930.00} fee is also a double entry. This is obviously an attempt to get me to pay as the way the entries are logged in they create multiple dings to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/XXXX consumer found out that Capital One Credit CorpXXXX closed account. Consumer has been a Capital One customer since XXXX with timely payments and no adverse activity. Account ( s ) were closed without explantation and company will not respond to any request to provide lawful reason ( s ) for account closing. Consumer alleges that account was closed for discriminatory lending practices by Capital One Credit Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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:
My identity was stolen me and my family of XXXX  will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX  XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX  XXXX CLOSURE DATE XX/XX/XXXX MY SSN XXXX DOB XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Dear Sir/Madam, I am writing to formally request the immediate deletion of inaccurate and unjustly reported information on my credit report related to my account with XXXX XXXX XXXX The details of the account are as follows : Creditor Name : XXXX XXXX Account Type : Revolving ( ChargeAccount for Jewelry and Camera ) Date Opened : XX/XX/XXXX I have reviewed my credit report and found several inaccuracies and discrepancies regarding this account that require your immediate attention. These inaccuracies include : Incorrect Status : The account is inaccurately listed as " Transferred '' and " Collection or Charge Off. '' This is not an accurate representation of the account 's status. 

XXXX XXXX : The reported payment status is incorrect. It shows " XXXX '' monthly payments, which is not reflective of my payment history. 

Date of Last Active : The reported date of last activity on the account is incorrect. It is listed as XX/XX/XXXX, which does not align with my actual account activity. 

I understand the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, these inaccuracies are adversely affecting my creditworthiness and financial opportunities. 

I request that you promptly investigate and verify the information reported by XXXX XXXX and XXXX the necessary steps to correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I request that ; THIS ACCOUNT BE PERMANENTLY DELETED FROM MY CONSUMER REPORTS. 



I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute.

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The month of XX/XX/2023 I didn't have any inquiries on my credit report well on XXXX XXXX of 2023 there were XXXX inquiries added to my credit report and I immediately called the companies and let them know that I didn't apply for any of the inquiries that were listed on my credit report. I immediately filed a police report about the inquiries on my credit report and I mailed them off to each creditor which they have failed to remove the unauthorized inquiries from my credit reports and this is why I'm submitting a complaint.

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 2022-04-06
Company: EQUIFAX, 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 the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-09-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert from Experian that XXXX  XXXX XXXX made a credit card inquiry on XX/XX/2022. I did not apply for a credit card at XXXX  XXXX XXXX. I called XXXX  XXXX XXXX and they had a credit card application with my name, address and phone number and social security number. A card was opened with a spending limit of {$20000.00}. No charges had been made to the card by the time I had called.

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 2022-09-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been using Venmo for over 3 years now. I have always used it to transfer money from friends and family. On XX/XX/XXXX, Venmo froze my account for no reason. This was after they allowed my sister-in-law to transfer me XXXX XXXX They froze my account and did not allow me to transfer money to my bank account which was desperately needed to pay bills. Now they can hold my money for 180 days, yet there is no explanation of what I did wrong or which rules I have broken. I searched online and found out that this happens to a lot of people. As of today, they have limited my sister-in-laws account as well. I don't know what kind of business practice this is but freezing my account and holding my money with no explanation, this can't be legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting incorrectly on my consumer report. Per FDCPA its your responsibility to make sure all information you report is correct. These XXXX accounts are in direct violation and so is the consumer reporting agency. I received a 1099C Cancellation of debt on both of these accounts and per the IRS publication it is now considered income and income isn't reported on the consumer report. You will find the attached forms.

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 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
We got approved for 0 % for 15 months and we started to use the card from Capital One. None of our statement mentioned when it is going to expire ( 0 % ). And suddenly we got hit by 24 % interest. We did not receive any email, mail or in the credit card statement. 

I checked my XXXX XXXX  credit card statement and it mentioned the expiration date of 0 %. 

Please be aware of this kind game financial institution plays.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Made an appointment with local Chase Bank to close out a checking account of a decent. 

1. Appointment with XXXX XXXX 2. Appointment address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX 3. XXXX 4. Provided XXXX with all necessary documents typically needed to close account 5. XXXX acknowledged all documents needed have been received with one exception 6. XXXX advised that Chase Bank requires. letter from the Social Security Administration stating that SSA has no intention to re-coup previous deposits 7. XXXX stated this is not a SSA requirement, rather a Chase Requirement 8. Spoke with local SSA office who stated Chase should not be doing this 9. Local SSA office stated Chase Bank is the only bank doing this 10. Local SSA office stated that SSA has spoken with Chase Bank multiple times regarding this issue 11. Local SSA office stated that Chase is aware this is not a requirement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a collection listed on my credit file which is unknown to me. I have never been notified of this nor should I owe. I do not think this even belongs to me. I have tried to dispute and request validation and nothing has happened nor have I received anything. Please help

Company response to consumer: Closed with explanation