BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-12
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was dismissed in court. The original debtor sold it to a third party who is doubling the amount and requesting payment of a debt that was dismissed in court. This is an act of unfair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On Saturday, XX/XX/XXXX, my husband and I received a call from Prestige Financial, the company that finances our used auto after completing our 5-year bankruptcy. We have made payments of {$500.00} for over a year, within those years I requested they do not contact me because they were making aggressive calls before the due date and they're excuse was " we are just reminding you ''. I requested that they do not contact us via text or email. We made payments on time every month until a hurricane struck our area in XXXX. We were attempting to get back on track and notice we have been making large payments over a year and we were being treating as if we were criminals. I am now finding out that the person I was speaking with on Saturday was an account manager, name  XXXX who felt is was necessary to speak rudely and becoming very disrespectful. We perceive this as intimidation tactics to scare consumers. This only makes us more angry and we refuse to put up with this!!! We spoke to several other lenders and were told the vehicle is not worth what we are paying and we are upside down on this loan. To learn this, paying an exorbitant interest rate and then put up with such professionalism while paying {$500.00} to these crooks is unacceptable. We are seeking legal recourse ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Original Creditor, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2018-08-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
As Chase premium account member, there is {$0.00} fee for incoming international wire transfer. However I was charged me {$10.00} for a incoming international wire transfer dated XX/XX/2018. This is the second time I was charged an hidden fee by chase. Last time it happened on XX/XX/XXXX. I had contacted them without resolution. I had to file a complaint with CFPB ( XXXX ). One explanation I was given by chase customer representatives were the fee was charged by sending bank. But I have and transaction statements from sending bank to proof the {$10.00} fee was not a charge by sending bank. CFPB please investigate how many chase customers have been unknowingly charged by this hidden fee for international incoming wire transfer. This is no difference from stealing money from customers. I want a refund from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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: Was not notified of investigation status or results

Complaint:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Original Creditor, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: TN
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 paid off two credit cards balances in XXXX, and XX/XX/2018 and my FICO was at XXXX. I called Experian and discussed my one credit card incorrectly still showing a balance of {$1900.00} when this balance is XXXX in XX/XX/2018. They said wait until tomorrow ( XXXX ) and it will post. Today XX/XX/2018, I received a email your FICO has decreased 10 points. I called them on the phone and asked them how my FICO could drop 10 points in one day. They said we think you charged {$100.00} on one credit card in XXXX XXXXwhen I challenged that they said we dont know. I was also told since I do not have a mortgage that fact negatively affects any credit card debt. My credit card debt is medical costs for my XXXX. I reminded them I paid on time all credit cards and I recently paid off a {$1900.00} balance in XX/XX/2018. I asked for a Supervisor and she said I do not know why your FICO dropped and I have no control over your FICO its system generated. I asked her to identify the creditor so I could dispute the FICO drop she said there is no creditor or action to dispute your FICO just dropped automatically. The email states : Your FICO Score had decreased by 10 points. Good news. Even though your FICO Score went down your Credit Rating did not so it should not impact your credit worthiness XX/XX/2018 See attached Email. I was told to get a credit advisor Experian does not have any control over rising or lowering your credit score 10 points over night for no reason. There has been several increases and decreases for no reason over the last six months.

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 2017-02-14
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have verbally told the loan company to stop calling my place of business as it will interfere with my job. They have not ceased their calls. Instead they call and hang up if i answer. If another coworker answers they tell them that they are calling to garnish my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a challenge to a fraudulent collections on my credit report with the three credit bureaus and only one took it off-XXXX XXXX. XXXX  and XXXX have not and will not explain why and has refused to send me their decision and why via mail. XXXX XXXX XXXX ( XXXX ), who has had a plethora of complaints for falsely accusing people of having a collections with them and destroying their credit, claims I had a contract with XXXX XXXX and owe them over {$2600.00}. This is not true. I had a prepaid account with them years after this supposed account was opened. Even if this was true it would have been a breach of contract because I know XXXX 's policies and nowhere does it say they can sell you information to a third party and that is exactly what XXXX is claiming happened. On top of this XXXX   allowed XXXX to change information on my credit report without my knowledge or consent. 

I have already complained about both of these things with this company and it was closed without my consent claiming I said I no longer had a dispute. I requested to have it reopened and I was told it was, but have not received any response nor can I find it. This is my second attempt at resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been constantly receiving postal mail from this company called Transworld Systems , Inc with the physical address XXXX XXXX XXXX XXXX, DE XXXX where they are trying to collect a balance that according to them I have pending with the XXXX company, when I receive this letter, let me know with them to understand what it was about because I do not have an account with XXXX to owe them anything and they did not know how to give me an answer, then I contacted XXXX asking for information and they told me that it could be a fraud, in the letter my name appears incorrectly written but they have my address and letters are constantly coming to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, 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 notified Dept of Educatiion that they are inaccurately reporting that I was late in XX/XX/XXXX 2017. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file. 

There are 3 Dept of Ed/XXXX Accounts that are reporting inaccurate late payment.s

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: EQUIFAX, 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Its been 10 business days already and I haven't received my XXXX debit card

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 2018-08-03
Company: ZWICKER & ASSOCIATES
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just received a notice from Zwicker & Associates, P.C, a debt collector of XXXX XXXX. This communication is to dispute owed of {$5700.00} from XXXX XXXX. My card was used without my permission by my ex husband and charges were incurred by him and other persons. I have always paid my debt timely and XXXX XXXX refused to take disputed charges off. As a result, my credit has been impacted and the debt was charged off and they refused to even file a claim. XXXX behavior violates consumer protection laws and the law firm is engaging in predatory debt collection practices. This is ridiculous, I want this deft off my credit ASAP. SO THIS IS MY FORMAL DISPUTE WITHIN 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a landlord. XXXX group offers the ability for my renters to ach their rent payments to me. My rental account is with PNC Bank. I attempted to set it up on my end. It starts with XXXX and to enter my PNC account I am redirected to sign in my PNC account. I enter my PNC username an password and then I hit a wall that says " PNC has made a change that prevents you from being able to link your accounts. '' XXXX suggests filing a complaint with cfpb. 
Surely there should be a paper form signup option until whatever issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2018 I wrote to XXXX  ; Equifax and XXXX  credit reporting bureaus ( see attached letters and proof of certified delivery ) informing each that they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account and the company 's contact information because my mail to them was returned by the post office as undelivered. I informed them that I have attempted to contact this company but the contact information stated on my report is incorrect. 

I wrote to the collections company on XX/XX/2018 stating the listed account # XXXX reported by XXXX XXXX  XXXX XXXX XXXX is not known to me and that I requested full validation. This is over ( 7 ) months please note that this collection agent is in non compliance with FCRA and the FCRA. 

I have received no response from any of the bureaus regarding my dispute regarding the non compliance of the collection agent although I sent supporting documents including the envelope stamped as undelivered by the US postal service ; copy of letter requesting validation sent to XXXX XXXX XXXX XXXX XXXX ; Copy of certificate of mail ; copy of my driving license ; copy of my social security card ; copy of recent XXXX for verification of address of residency. 

The bureaus have failed to comply within the 30-45 day time frame and to date the account is still reporting on my credit ( see attached account reported on my credit report ) therefore I have no recourse to moving forward without the assistance of the Consumer Financial Protection Board.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
To Whom It may Concern, Hello my name is XXXX XXXX and my car finance company Flagship credit acceptance is giving me nothing but problems. Due to Covid-19 I am unable to pay the full amount of my car payment as I am on furlough from my job. So when this all happened I asked them to pushed my payments back. They did that for XXXX payment. So XXXX came around and I talked to an agent name XXXX and she said we can't push anymore payments back you need to pay. I said I can't pay XXXX dollars a month right now and neither can my husband. Not to mention they charge a processing fee. But XXXX said I can do something that you don't have to pay for like 6 months. She took all my information down and submitted that. And that was on XX/XX/XXXX. She asked what I could afford and i told her between $ XXXX a month. She said ok thats fine. Fast forward to XX/XX/2020, I get another phone call from XXXX she is at the head quarters in XXXX, Pa and stated we need more information for this trip loan is what they called it. I said ok and I gave her all the information. She put this information in again. So on XX/XX/2020 I called and a agent answered said that she needed to look at the notes on the account. Im waiitng for her to answer. She is popping her gum, kids in the background screaming. She puts me on hold and next thing I know I am getting another agent on the line. I got XXXX and he straight up told me " You were lied too '' meaning that there was no trip loan. Well I wasn't happy customer. I started recording them. Because I feel that this company is ripping people off and they aren't very consistent with everything. So XXXX had transferred me to XXXX who was a manager and he said that he could extend another payment for XXXX. I said ok thats fine and I paid XXXX 's amount that was owed. However I felt like I am being scammed. No one wants to refinance my car. They said they can't refinance the car which I know they can.

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 2023-08-15
Company: EQUIFAX, INC.
State: WI
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:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-01
Company: EQUIFAX, INC.
State: LA
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 Inquiries. 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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Contacted Bayview Loan Servicing, my mortgage lender on XX/XX/XXXX or XX/XX/XXXX to request a 12 mos payment history. Rep advised me it would take 48 hours. It was right before XXXX XXXX weekend so I expected it may not be done till Monday or Tuesday. I called in on XX/XX/XXXX and was advised by the rep that it would be available on the client portal XX/XX/XXXX. It is not and I have called in 4 times and been put on hold and hung up on. 

My financial adviser needs a copy of it for a refinance and I have a limited number of days on the rate lock.

Company response to consumer: Closed with explanation