BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-02
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They called today on XXXX despite a previous request to never call my work number. My work number had also not been given to them. They repeatedly call my phone and do not leave messages. Today, after again telling them never to call me at work, I work at a XXXX, the man on the phone became very threatening and rude. He said that he wouldn't call either number again and the next step would be taken without alluding to the next step or even giving details on why he was calling. I was never given the opportunity to make payments or payment arrangements. XXXX XXXX XXXX is the name of the company and the number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Prosper Marketplace, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Prosper upon new loan opening [ at the time my loan originated ] required consumers to enroll in automatic payments. These payments were only be processed when the minimum payment to the account has not been met. 

Although enrolled, I follow a fortnightly payment schedule [ set months in advance ] that covers the minimum payment and then some. My due date is on the XXXX. 

In XXXX, I had payments scheduled for {$120.00} each on XXXX & XXXX, which covered the minimum payment of {$230.00}. These payments processed without issue. 

In XXXX, I had payments scheduled for {$120.00} each on XXXX and XXXX, which covered the minimum payment of {$230.00}. The XXXX payment processed with no issues, leaving a minimum payment due on the account in the ballpark of {$110.00}. On the XXXX, despite being aware of a payment being scheduled for {$120.00}, Prosper 's payment system proceeded to process both the previously scheduled {$120.00} payment and arbitrarily processed an additional full month 's payment of {$230.00}. 

Prosper 's payment system logic is not UDAAP compliant and exhibits systemic abusive behavior against consumers in the following respects : 1 ) the system is designed with no inherent consideration to a consumer 's already scheduled payment plan 2 ) the automatic payment system is advertised as meeting minimum monthly payments, however it deliberately ignores other payments made during the billing period ( see example below ) 3 ) the automatic payment system does not have consistent practices ( i.e. in XXXX back to back months XXXX and XXXX I had {$120.00} payments scheduled on XXXX, XXXX, XXXX, and XXXX ; enough to satisfy the required payments for each billing period. There was no issue with an extra payment being processed in XXXX, whereas in XXXX Prosper decided to change their practices. 
4 ) Prosper 's loan origination process [ at least at the time of this loan ] pretty much forced enrollment into automatic payments [ you can see in my payment history I've managed my payments independently since account inception and this incident is the first time automatic payment has been utilized since the beginning. 
5 ) It is not readily apparent on Prosper 's website that the automatic payment are optional and consumer 's can un-enroll. On the phone the rep I spoke to ( XXXX phone call ) advised he could remove enrollment. 

Example for # XXXX Given a billing period from XXXX through XXXX and a theoretical minimum payment of {$200.00}. If a payment is made on XXXX for {$150.00}, the minimum payment to meet that billing period 's payment would be {$50.00}, not the full {$200.00}.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX FUNDING Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage sent a pay-off statement to the Escrow ( refi ). The pay-off included a late fee charge of {$150.00}. I disputed the amount and Escrow mentioned that companies " usually '' add this and reimburse at the close. The Pay off was sent to Freedom on XX/XX/XXXX. When we received our full statement from Freedom XXXX XX/XX/20 XXXX, the document did not indicate any line item to reimburse the late fee. I called Freedom twice and agents just told me that they " do not '' see any charge for the unpaid fee. I have tried asking Escrow to reach Freedom for an explanation. My ask was to receive a full line by line accounting of what was charged and reimbursed. Since we were not late in the payment- where did the {$150.00} charge end up?

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 2023-06-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several complaints that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions 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:
purse was lost at at truck stop with all my personal info in shortly started getting inquires and accounts popping on my cr

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 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX XXXX XXXX, XXXX has been reporting for a period of time that exceeds the FCRA timelines for deletion eligibility. The statute of limitations for this account has been met, and I am requesting that the data be removed from my credit report, immediately.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
USAA credit card company has a policy that states : Per the Credit Card Agreement If your Account is eligible for our " Pay-Ahead Program, '' whenever you pay more than the Regular Minimum Payment, we may, at our option, permit you to skip some or all of your next two Regular Minimum Payments. When this occurs, we continue to calculate your Regular Minimum Payment, however the amount of the Minimum Payment Due displayed on the first page of your billing statement, on usaa.com, and on our phone systems is reduced by the amount you may skip. The full Regular Minimum Payment amount is always shown in the " Important Account Information '' section of your billing statement. Remember interest charges will continue to accrue in accordance with the terms of the Agreement.

USAA is suppose to contact me via email to let me know my statement is ready for viewing and that I have a payment due. They have not been doing this even though enrolled per their website. They avoid telling me I have a payment due or balance which allows them to charge finance/interest charges without me knowing of my balance. No communication can be done via their website or email so that there is a record. 

I have always paid my balance in full- with this program- they stipulate I do not have a payment due even though my balance may be hundreds of dollars. As it states they may enroll me in this program WITHOUT informing me of it. 

My complaint is this is a devious attempt to charge finance/interest charges without the card user having knowledge of their balance and that the card user has not been informed of being enrolled in this program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
XXXX, EXPERIAN AND XXXX  HAS ACCOUNT ON MY CREDIT THATS NOT MINE. 

PLEASE DELETE ASAP.

Accounts:

Account name XXXX --Account number--XXXX XXXX XXXX XXXX-Account numbe--XXXX  Account name XXXX XXXX XXXX XXXX  -Account number-XXXX
Account name XXXX-Account number--XXXX
Account name XXXX XXXX-Account number--XXXX
Account name XXXX XXXX XXXX-Account number--XXXX  Account name XXXX XXXX.-Account number-XXXX
Account name XXXX-Account number--XXXX
Account name XXXX XXXX XXXX XXXX--Account number--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 2022-12-14
Company: Experian Information Solutions Inc.
State: MO
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:
Experian is in violation of 15 U.S. Code 1681a : Under exclusions the consumer / credit report MUST not report containing information solely as to transactions or experiences between me the consumer and the Experian making the report. My late payment is my transactions or experiences. The credit report furnished by Experian indicating late payment influences my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: WI
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 number ( s ) ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, beginning with XXXX, beginning with XXXX, beginning with XXXX, beginning with XXXX, company NXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX company XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USA XXXX company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX USA has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2019-08-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I contacted Chase Bank regarding my interest shown on my Southwest Rapid Rewards card this morning. I spoke with XXXX and then XXXX who absolutely was no help whatsoever. I utilized two promotional checks on this account. One where the full balance was due in full XX/XX/XXXXand the otherXX/XX/XXXX. I paid the first one off on XX/XX/XXXX -- in addition to all current charges for that month in order NOT to accrue any interests. However, what Chase did was to put the payment towards the offer for {$3500.00} which is due on XX/XX/XXXX and NOT to MONTHLY charges that I paid for. Chase then turn around and FRADULENTLY is now charging me on the purchases which I paid for that month a 25.24 % on {$1200.00}!! This type of bate and switch technique is unethical to which Chase Bank is forcing consumers to pay interest even though they still have a promotional offer which ends on XX/XX/XXXX. I WILL ENSURE THAT EVERY SOCIAL NETWORK AND MEDIA BECOME AWARE OF THIS UNETHICAL and FRAUDULENT TATIC THAT CHASE BANK HAS NOW RESORTED TO!! TOTALLY UNBELIEVABLE!!  Now, I definitely have a reason NOT to INVEST my or my husbands retirements with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-01
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:
IN ACCORDANCE WITH FCRA XXXX, REPORTING AKA 'S AND ALIAS NAMES AND ADDRESSES UNDELIVERABLE TO ME, ARE VIOLATING MY RIGHTS.

15 USC 1681 602A I HAVE A RIGHT TO PRIVACY 15 USC 1681 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNTS WITHOUT WRITTEN INSTRUCTIONS. 

NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX EMPLOYMENT : XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-16
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: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$19000.00} ; 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

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 2023-05-02
Company: EQUIFAX, INC.
State: MI
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:
HELLO, THIS COMPANY CREDIT ACCEPTANCE IS REPORTING AN ACCOUNT WITH MY NAME AND PERSONAL INFORMATION ASSOICATED. THIS ACCOUNT IS NON-COMPLAINT WITH METRO-2 THIS COMPANY REFUSES TO REMOVE THE ACCOUNT, IN IT HAS ALREADY BEEN REMOVED BY XXXX, XXXX, BUT CREDIT ACCEPTANCE REFUSES TO UPDATE THE CORRECT INFORMATION WITH EQUIFAX INFORMATION SERVICES LLC 1. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please DELETE from Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I was due an escrow overage refund of {$100.00} cents. Loancare, a XXXX XXXX, shows a copy of the check on my online account. The address is not entered correctly, and cut off important information so that the check could not be delivered. The check was never cashed. Loancare ignored this fact, and never reflected on my statement that the check was not cashed. I called customer service no less than 5 times over the past year to get a new check issued. Every time I called they told me they would take care of it. However, it never got resolved, and does not reflect on my account that they ever tried to reissue a check. The last response I got was that they were going to overnight a check to me on Wednesday, XX/XX/XXXX, and I would receive it on XX/XX/XXXX. Of course the check never arrived, and I got no information regarding the check being mailed with tracking information through my email, or on my account. I called again today, XX/XX/XXXX to check again on what the status was. I was told the check went out today overnight mail. I asked what carrier was used, and could I get the tracking number. The customer service representative couldn't tell me who the carrier was, or what the tracking number was. I asked to speak to a supervisor, and was put on hold for 20 minutes before I realized they didn't intend to pick up my call. I fully believe that Loancare is committing financial fraud by hiding refunds from customers. If I wasn't savvy enough to keep pursuing this, they would certainly be keeping the money. How many other customers have they cheated? I am sure I am not alone. 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 explanation