BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on the XX/XX/2019 some guy called and told me they find somebody using my name to do illegal stuff the guy presented himself as a DEA agent, he told me to wire all my account to them after 48h they will return my money i did it n they never give me the money back but i went to the police to file et complaint we called the bank n they promised to block the transfer with the other bank they never did now all what i work for is gone and they cant even refund me or closed the account where my money went. i wire {>= $1,000,000} from chase bank to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX XXXX XXXX XXXX is reporting on my credit in error. They made the mistake and it was fixed so it Should be deleted. They're incorrectly reporting on accounts : # 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 2020-04-27
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I requested a back dated forbearance with American Education Services on XX/XX/XXXX, which would cover the dates of the late payments and AES granted me the forbearance with a letter stating it would be back dated and once the forbearance was completed they would remove all negative reporting to the credit bureaus. However, they did not remove the late payments from my credit report. After numerous calls to AES ( reps and supervisors ), I found out that as of XX/XX/XXXX, they have changed their policy to remove late payments when a back dated forbearance or deferment was granted and covers the dates of the late payments. However, anyone who had late payments prior to XX/XX/XXXX would not benefit from the new policy. AES has changed their policy, but refuse to apply it for customers whose late payments were before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Better Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, I requested additional insight into erroneous liens appearing on my XXXX XXXX XXXX. Per CFPB I should have access to any documentation that is used for credit decisioning. I was never presented with this information. I requested more information XXXX separate times & called Better Mortgage to request a change in personnel on my file on numerous occasions. On XX/XX/2022, I finally received an email providing a little more context into the claimed outstanding judgements. They are all from my XXXX. I provided the lender with a XXXX decree to confirm that these debts were not real. Moreover, I have an order of protection from my XXXX so it is physically impossible for there to be any liens after the XXXX. We have a no contact order. Despite being presented with this information, they continue to provide delays to my loan and notify me that they will not be able to close by the target closing date. I would like them to be held liable for any cost incurred by me for negotiating an extension in closing date. As well as any fee 's incurred if I am forced to find a new lender in order to save this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I did an instant transfer ( XX/XX/21 ) of {$16.00} from cash app to my LISTED XXXX account. The money was not received. I texted cash app support the next day. The person didn't know why it didn't transfer and credited me the XXXX cent transfer fee. Waited the 3-5 days for normal delivery, but still not there. XXXX says it wasn't received. Cash app says they sent it. Normally, I get an email confirmation from XXXX when money is received. But, i didn't this time. Now, cash app says it's nothing they can do but provide the transaction date, time, expected location and Retrieval code, to which XXXX suggests that info can not be used and is internal to cash app. I've since closed my cash app account after several days of back and forth. I've even contacted XXXX, who then, after their letter to Cash app didn't help much, suggested I come here to get possible closure and my money from cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Medical Revenue Services  has been calling me on my personal number and at my work number several times a day. This is for a medical bill to  XXXX   XXXX   XXXX  for {$1200.00} that I am paying directly to the original creditor, I 'm making a monthly payment on a couple different bills and this is  one  of the ones lumped in to the payment.  <P/><P/>  MRS was  rude, after I asked them to not call me at work because my employer does n't allow it. She got mean and nasty and started yelling at me. Told me they would take me to court. These people are ridiculous. Would n't give me any information, pushed that I pay them in full immediately. When I told her I was paying the original creditor, she said I was lying and they would n't have sent the debt to them if it was n't valid. When I told her that I was n't going to pay her she said fine, we have been reporting on your credit report, and will continue to do so and hung 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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
hi im just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over 3 months now, I thought I would get a response from your company after 30 to 45 days but it seems like you didn't take it seriously or something. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted.

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 2021-03-10
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX I filed bankruptcy. Once I filed bankruptcy, My credit score dropped to XXXX.However, For the last 13 months, I have done all the steps to improve my credit such as ; I added five new credit cards. I have paid them on time and I have no late payments. I have kept my credit usage down below 15 percent. My credit score start increasing and after one year in XX/XX/XXXX, my credit score increased to XXXX points. However, for no reason Experian start dropping my credit score. On XX/XX/XXXX Experian dropped my score by five points. The again on XX/XX/XXXX Experian dropped my score by 17 points. I contacted Experian and they told me that Fico Score company dropped my score and told me to contact them. Upon contacting Fico Score I found that this was untrue. Nevertheless, Experian took away XXXX points from my credit score for paying my creditors on time and keep my credit usage low.

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 2017-07-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
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 started seeing collection accounts on my credit about 3 years ago from  XXXX   XXXX . I kept calling asking who they were and demanding they remove themselves from my reports. They refused and then sold the debt to a collection company. I 've seen them on my credit and tried to dispute with them but they refuse to provide a mailing address. I have a police report detailing the identity theft I 've suffered since   XXXX   and have had other fraudulent accounts closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: IL
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:
EQUIFAX investigated into XXXX and adjusted balance to {$0.00} as terms of loan were 24 months long beginning in XXXX of XXXX, however in XX/XX/XXXX the company did three inquiries on XXXX  and made it appear as if I applied for an additional loan however I did not. they utilized my personal information ( social security, name and address ) without authorization and permission conducting fraud I informed the credit agencies to no relief. in XXXX I had EQUIFAX investigated into XXXX  on or around XX/XX/XXXX and EQUIFAX adjusted balance to {$0.00} as terms of loan were 24 months long beginning in XXXX of XXXX and thus completed in XXXX. This past month the balance again appeared to approx $ XXXXso I had EQUIFAX RE-investigate and there was no change. the reporting after the XXXX terms is not accurate I have contacted XXXX  as well as attorney general but no response from creditor and I am telling EQUIFAX to delete this account as did XXXX  and XXXX when they took the time to simply look at terms of the loan of 24 months, however EQUIFAX did not contact me for documentation that there company stated they lost my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-06
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: Investigation took more than 30 days

Complaint:
I am writing this due to non-compliance with ( Experian, XXXX, XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. 
I strongly believe that they are in violation of the Federal Credit Reporting Act, ( FCRA ), and are outright refusing to uphold the law.

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 2018-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My banking accounts have been garnished 4 times on an account that was closed on XX/XX/XXXX and has exceeded the statue of limitations for the state of Colorado. I have made no payments to this debt collection agency willingly and they persist to collect on this outdated account. I would be glad to set up an arrangement directly with BOA, but wish to have all communication and debt collecting to cease from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KY. XXXX. Ph # 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 2019-07-31
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My car was recently Stolen and so I have no Car to go to work nor to drive for my personal needs. I contacted the bank for a extension or a payment to be pushed back, and after Never being late in any payments they said no, I asked them kindly because I literally have to rent a car until this issue of the car getting stolen gets resolved. the bank denied me any request but threatened to report to the credit bureau if I did not make any payment this month. I am disgusted of how I was treated with this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19
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: Public record information inaccurate

Complaint:
Equifax, the fact that you are ignoring the the fair credit reporting act is very disappointing. You have deleted bankruptcy chapter XXXX off of my credit report, because you couldnt verify that it was my account. Also you know that you have told a lie saying the courts verify this information. Which they do not. And i provided a letter from the court stating that they indeed, DO NOT report public information to the credit bureaus. You reported this account back onto my report XX/XX/2021. Why? This is extremely frustrating for me. To provide you with correct information. For you to still go against the fair credit act is disgusting. Please remove this account like you previous did, and do not add it back on. Or i will result to legal actions. I will attach the letter from the bankruptcy court AGAIN. Also remove all those addresses that do not belong to me. The only address that is correct is XXXX XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Experian Information Solutions Inc.
State: CA
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 recently questioned an inquiry which is appearing on my experian credit report. The inquiry in question in XXXX XXXX / XXXX XXXX on XX/XX/2018. I contacted the creditor in writing and requested an investigation as to why my credit report was requested. 

I received a letter from the creditor on XX/XX/XXXX ( letter dated XX/XX/XXXX ) that they had concluded their investigation and have requested Experian remove the inquiry. 

However, Experian refuses to remove the inquiry. I have since wrote to experian and included all relative correspondence yet they continue to refuse to remove the innaccurate information as requested.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2019-01-29
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:
The credit agencies are reporting an account that do not belong to me on my credit file. I have disputed this account with them several times. I have also provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. Please assist me in getting this matter resolved. 

Fraud Account : XXXX XXXX/XXXX XXXX There are also unauthorized inquiries showing on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have filed 4 separate disputes starting on XX/XX/19 again on XX/XX/19, XX/XX/19 and XX/XX/19 with XXXX regarding this account that is from a debt collector credit systems. I have asked for written information regarding the account and have not received any thing from either XXXX nor credit systems. Action has been taken only by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Allegiance Accounting Services, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been called and emailed several times by a collection company Allegiance Accounting Services an Outsourcing of Legal Service of XXXX XXXX County. A representative of this company XXXX XXXX stated, that I could be arrested for check fraud. The caller, stated that I had made 17 payments to XXXX XXXX and had stop paying for some reason. I stopped the caller and informed her that the debt is part of an active bankruptcy and she is violating the stay. She stated that it wasnt part of a bankruptcy and refused to take the case number. She stated that a process server would come to my house tomorrow at XXXX. Then hung-up. I have a voice message which she left on my phone and emails from various scams. I concern because they are in possession of many important aspects of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The XXXX XXXX DEPT was ordered by " The Borrower Defense Refund Cancellation DEPT '' to freeze any direct & /or parent plus loans I may have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX due the direct or parent plus loans being under investigation, ( for which XXXX XXXX has a lawyer for currently ), until the investigation- even by the FBI, XXXX XXXX, PA OFFC ) , has made their decisions. No decision has still yet been deremined which means that no loans from this college should be showing on or me or my daughter 's credit report. Not as paid or anything. Just as frozen. Can contact the dept. for verification so this can be removed. Also, XXXX XXXX, a new loan servicor I transferred to from XXXX XXXX XXXX XXXX, informed me that the XXXX XXXX DEPT ordered them to allow direct or/ & parent plus loans to be added to my consolidation which I never authorized! The mailed paper work : forms & consolidation application even states that since I gave authorization for my signature o be used electronically, they have right to keep using it! 

I have tried reporting repeatedly to the credit bureaus, but, have been unable to login in even after repeated login resets ... Starting to wonder if I am being deliberately kept from getting in to my credit report accounts. 

XXXX XXXX Thank you CFPB

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 2019-05-09
Company: Experian Information Solutions Inc.
State: NM
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:
Us Dept of Vets is reporting on my credit in error. They made the mistake and it was fixed so it Should be deleted. They're incorrectly reporting on accounts : # 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 2019-10-06
Company: Bread Financial Holdings, Inc.
State: MN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello On XX/XX/2019 I purchased a product from a merchant that was not what I received. Upon learning the product was not what I had purchased I contacted the merchant directly to the best of my ability. The merchant did very little to respond to my inquiries for a refund and constantly changed the email address they wanted questions directed to. 

After being unable to work with the merchant directly I began the dispute process with my credit card issuer by notifying them via email and then by mailing in my dispute at the end of XXXX. 

I was hoping to leverage the Fair Credit Billing Act to help me resolve this dispute. If the merchant sends you a different product than what you ordered it may be subject to a charge back. 

The product I purchased on XX/XX/2019 is not what I was being given 1 month later. 

The merchant eventually did release a generic statement and " partial refund '' but still refused to work with me on a full refund stating their no returns/refunds policy. 

While this policy is valid I still feel I am to be protected under the Fair Credit Billing Act as I did NOT receive the product I ordered. 

Had I known of the changes that would take place one month later I would not have purchased this product. 

My credit card issuer is stating the no refund policy overrides the Fair Credit Billing Act even though I did not receive what I purchased.

Company response to consumer: Closed with explanation