BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have spoken with XXXX  and XXXX  regarding incorrect information. Numerous Disputes have been submitted They each have duplicate accounts which is damaging to my credit. I have requested this to be fixed but each time I contact I just end up with a new dispute and never a resolution. I have duplicate auto loans and duplicate collection accounts.

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 2019-05-31
Company: ProCollect, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Pro Collect. Their phone number is ( XXXX ) XXXX-XXXX. They have bought the bad debt for someone that has my name. This person that shares my name from Texas owed money to an apartment complex. I've never lived in Texas, the information they have does not match mine except my name. I'm easy to find since I'm a responsible human being. This company wants me to prove that I'm not the person they are looking for by providing my drivers license info and social security number. Because of identity theft, etc. I'm not about to provide this information to some random company that keeps calling me just because they are telling me that they are legit. I've told them they have the wrong person, I've told them I'm not going to pay the debt for this other person who has my same name, but they refuse to stop calling me and harassing me about the money owed.

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 2022-10-15
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account was sold to a third party outside of the consumer transaction and has no lawfully contract. Validation has been requested more than 3 time along with a cease and desist. This collection agencies is now reporting fraudulent credit reporting with which is in violation with several US codes and now a formal complaint will be filed with the Attorney General for non economic damages based on the fact that several complaints has been formally made and the account is still reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
checked my credit report about 6 months ago and saw that a payday loan of {$1400.00} from SpeedyCash which I never applied for. Disputed the loan several times with them via phone calls to which has not been successful. I also disputed this loan with XXXX but haven't seen any replies back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: The Bureaus, Inc.
State: PA
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:
A company called " The Bureaus Inc '' is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$4600.00} but I have never done business with them and I have never received any responses to my requests for information. The account number on my credit is : " XXXX '' with an open date of XXXX 2013. I am getting all of this account information from my credit report. According to my report, it seems that this debt was related to an old XXXX XXXX account but this is what does not make any sense. I do have accounts with XXXX XXXX but all of them are in good standing. I have two active XXXX XXXX cards that I 'm currently using and paying back. If what this company is reporting is true and I really had a bad account with XXXX XXXX I would not have two open credit cards with them that I am still using. This collection agency is trying to scam me and they are refusing to verify why they are charging me this money. This is why I am filing this complaint. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. There is a 100 % negative review rating on the XXXX XXXX XXXX XXXX website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: STERLING JEWELERS, 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: Account information incorrect

Complaint:
I opened a Jared account in XXXX, one purchase was made but no payments were ever made. The account was closed and charged off. It was then sold to XXXX XXXX XXXX XX/XX/XXXX. I have attempted to contact Jared and/or Sterling Jewelers via mail and phone through all identification available on credit reports and have received no contact back by mail and when I speak to someone on the phone they either can not pull my account up or are unable to give information and direct me to their mailing address. When I contacted XXXX XXXX  they responded that they had returned the debt back to the original creditor and any complaints should be handled directly with Jared. There is incorrect information being reported and then validated with the credit bureaus and I want the report removed as it has now reached beyond the seven year window to be reported. I have disputed multiple times and this company continues to validate that the information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Tribal Lending Enterprise, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out an {$800.00} loan from XXXX XXXX XXXX in XX/XX/XXXX and since then have paid more then that amount and will continue to pay more then 3 times that amount before the loan is paid off. I was not able to view the paperwork for this loan before it was officially given to me and was not able to look at it for awhile afterwards either. There was always something wrong with my login information. When I finally was able to get into my account I seen that I would have to pay over {$3000.00} before the loan was completely paid off. I did not know that the interest was that high. Since XX/XX/XXXX I have paid over {$1000.00} already. I would like to not have to pay anymore money to this company since I have already paid back the loan in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018, XXXX listed a collection account from XXXX XXXX XXXX from XX/XX/2017. However, XXXX will not allow me to complete a direct dispute report online in order to begin the problem resolution process. When completing the online form, an error message arrives claiming the disputer can contact a live operator ; however, no one receives or answers the phone call. The credit reporting agency, which also works with the collection agency, presents this roadblock as a means of discouragement to prevent anyone challenging the collection agency on its unfair debt collection practices. To add insult to injury, XXXX added the collection account to its files information after the XXXX data breach of XX/XX/2017 had compromised my 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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX a cashiers check was issued by me with the help of a chase rep in the amount of {$2500.00}. The amount taken from my account for this transaction was {$7500.00}, and the ledger supports this. An additional {$5000.00} was taken from my account with impunity and no accountability as far as the bank is concerned. Had I not gone back into my statement and looked at that transaction no one would know and based on this experience Chase does not have the process or procedure in place to prevent this sort of mishap. As a result I did not have access to said funds and have been paying carrying costs on cards that could have been payed off using said funds, in addition to any other use profit making use I would have been entitled to had Chase not made this egregious error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX my credit card was used for transactions that I did not initiate. The transactions continued to occur until the transactions were taken out of the state of Illinois which is when Bank of America finally flagged them and notified me there may be fraud. I have not left the state of Illinois, nor have I traveled to the places these fraud charges were made in. I also live alone and do not have anyone that can access my physical credit card. Once I was notified by BOA that fraud was occurring I called immediately and put a hault on my card ( which was in my physical possession ). The representative stated that's weird because the charges were made using the chip in the card. We deactivated the one in my wallet and a new one was shipped to me.  BOA denied the fraud claim weeks later as " the chip was used ''. Yet, I called back and stated it was not me and they need to dig deeper. The representative asked if I received a card with a " new touch less feature ''. I said " no, I'm not aware of that and nobody informed me a new card was being shipped to me ''. She stated that it was all making sense now and that my card just have been stolen in the mail. I was appreciative of her help and expertise and it all made sense. However shame on BOA for mailing me a card and never telling me. However, even after a police report has been filed, months later, I am struggling with Bank of America to return my funds. I have filed a complaint on here before only to be dismissed. This entire case has been ridiculous and falls on BOA being incompetent to actually investigate. Facts - I didn't even know a police report would help until I continued to follow up and a representative told me " it's not required but it will help to get one ''. I  was unaware the police, in a major city like XXXX, would even spend the time on a case like this - but I filed it and still have charges on my card I did not make. A consumer should not have to be put through this and have this agony because a large corporation wants to protect themselves. I did no wrong and have been a BOA customer for 25 years. Silly, they send me a congratulations on 25 years notice but can't handle a case. I may have to get an attorney as we will file for more than the fraud charges and attorney fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The hospital must have made an error. Services were given for my adult son whom I haven't had contact with for about 4 years. The hospital listed me as a responsible party and I wasn't there to sign for that. When contacting progressive management systems they re demanding that I disclose my private information on the form of the divorce decree. I should have to spend my time or give up my privacy because of their error. Furthermore she demanded I send it but gave me no where to send it to. Furthermore they're sending noticed to an address I haven't lived in for a long time. Again violating my privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was told by ditech corporation in XXXX that lf I ordered an appraisal and I have 80 % loan to equity my mortgage servicer would be able to remove the pmi on my loan. I did as requested and they sent an appraiser 5 months later. The appraisal came back away 79 % loan to value, below the threshold and the company refuses to remove the pmi. Further I called XXXX XXXX, the agency that owns my loan and they told me I netf 78 % equity but ditech claims I need 75 %. They are acting in bad faith.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
{$2000.00} in collections debt with Synerprise Consulting XXXX from XXXX XXXX XXXX. All medical bills were paid upfront or by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.

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 2020-07-30
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft

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 2017-09-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been making regular payments of {$25.00} to XXXX XXXX for purchases from XXXX XXXX. My payments are on time and regular, but I have made frequent payments early in order to co-inside with my Social Security paycheck. My payments are due on the XXXX of the month. They have been crediting my early payments to the wrong month and then charging a {$38.00} late fee for the month intended. It took me a while to finally figure out what they were doing and I now owe {$150.00} in late fees and other fees. I have made 12 payments as of XXXX XXXX. I have never been late or missed a payment. I do not have this late fee money and do not think I deserve to be charged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-19
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This is for one main financial. This situation started around dates of XXXX to XXXX. One main has over abuse their power. I on XXXX XXXX i was badly injured at work, which lead me to being in a worker 's compensation case and out of work do to severe XXXX  and XXXX  injury that had occurred. One main consistently called during a time of distress for me stating they was collecting debt of XXXX {$7500.00} XXXX. I explain to them i was in a injury case was not working. The representative then stated in my contact i had insurance on the loan, and i could apply it, till further notice. No insurance was ever implied, threaten to garnish my pay, sent me a summos to a judgement on my name if i dont pay the full balance of now which is XXXX. Can somebody assist me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or 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. This Company is breaking the law if not resolved will file a law suit against the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Unifin Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I contacted XXXX at the company multiple times and she informed me her manager was handling these issues and removing me from the collections. It has never happened and the debt collection company keeps contacting me... I want to be removed and never contacted again...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}.

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