BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 ) - I contacted XXXX XXXX XXXXXXXX on XX/XX/XXXX to discuss a possible settlement offer on the outstanding balance of {$2200.00}. After several conversations during the day we arrived at a settlement of {$1200.00} payable at the time of the conversation. The account rep took my credit card payment over the phone as well as mailed a letter stating the account was paid in full. XXXX proceeded to report the payment to the credit bureaus but failed to report the account was paid in full and no further payment is due as a result of a settlement. 

Once I reviewed my credit report and noticed the information was incorrect I disputed the balance due with the credit bureaus on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) as XXXX continued to provide incorrect information. As it stands today XXXX shows an amount due of {$1000.00} and Transunion shows an amount due of {$2200.00}, although both credit reporting agencies were provided with the attached documentation advising the matter in collections was resolved via a settlement on XX/XX/XXXX. 

I am requesting your assistance with getting this matter resolved to reflect the correct information on my credit report.

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 2017-12-03
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Requested Credit/Refund : {$270.00} + {$12.00} XXXX Transaction date : XXXX/XXXX/XXXX | Reason : Overcharging/Service Not Received. Dear Sir or Madam : I am appealing a rejected dispute on my checking account. SUNTRUST conclusion is wrong. Within 60 days I disputed the transaction from this Merchant because I paid for the 1st month but did n't continue occupying space the 2nd month as I moved out, yet was billed for the 2nd month anyway. Right after, I contacted the Merchant in good faith but they failed to reverse the charges. Instead, I was told to contact the owner on his personal cell phone number to resolve. Yet he never answered, nor returned my phone calls. Immediately, I sent my dispute to SUNTRUST but it went ignored. I filed a dispute online which disappeared from the Claim Management Center and I provided details with it. I had to then call and have it re-opened or make a new one. I know SUNTRUST received the claim form recently faxed regarding this transaction. From mentioned dispute.. all I got was a letter on XXXX declining it months later because it says that I did n't file on time. SUNTRUST closed my prior disputes without contacting me but I did file on time a long time ago. Besides this, on XXXX I deposited 2 checks from serving Jury Duty but both checks bounced. Thus, I was charged double " returned fee '' of {$12.00} for each deposited check. I didnt realize Court payments for Jury Duty could be rejected. Had I known, I would n't have deposited. The amounts of the check were {$15.00}. and {$30.00}. for which I was billed fees that take most of what I earned from Jury Duty.

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 2018-03-29
Company: IQOR US INC
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I became a XXXX thanks in large part to receiving my XXXX grants for my graduate studies. In XXXX of XXXX I was notified by Allied Interstate LLC that my " grant '' was now a loan that they were collecting on. I became a certified XXXX in XXXX and am now tenured. I have been with the same employer since XXXX. Allied Interstate is not interested in working with me and have indicated that they feel justified in collecting money from me that the US Department of Education granted to me. I make sacrifices to continue teaching ; financial, personal, and professional sacrifices. Please rectify this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rash Curtis & Associates a debt buyer/collector shows on my credit report with the original creditor as XXXX XXXX. XXXX XXXX is a property management company in my general area I assume rents properties. I have never done business with either of these companies. Shows an open date of XX/XX/2014 I have been in a motor home the last five years. Not my debt. Please remove from the CRA 's

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We were forced to give up our apartment due to medical hardship and being unable to afford the rent. We did not wish to be evicted so we made arrangements with the property management agent to relinquish our apartment with 2 weeks left in the month in immaculate condition so it would be ready for new tenets as quickly as possible. We were told we had given enough notice and they had found a new tenant. Now that we are in better standing financially we have found that I have a {$13000.00} collection on my report We have disputed this account with the credit bureaus but have not had any success and it keeps growing. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX ( aka Fidelity Rewards Visa ) promised a {$100.00} cashback bonus as XXXX reward points if I charged at least {$500.00} within 90 days ( which I did ). 

They have not yet provided the points for me to redeem, despite my repeated requests to them to do so.

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 2017-12-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was in payment arrangements through XXXX XXXX XXXX. Carrington mortgage assumed the loan in XX/XX/XXXX and when I contacted them to set up payments they told me my bill was {$26000.00} and I would have to pay that amount in full to then set up payments. I submitted a request for mortgage assistance in XX/XX/XXXX. I received a letter on on XX/XX/XXXX dated XX/XX/XXXX that addition documents were need. I submitted those on XX/XX/XXXX withe a deadline of XX/XX/XXXX. I was on the phone when the documents were sent to verify the arrival of the documents. I call back on XX/XX/XXXX not having heard back from the company and was informed the the case was closed and denied due to paperwork not being received on time. I have the emails and confirmation that everything was received. I was informed today that I need to submit and entire new packet. So I did and was told to call back to verify that it was received, I did but was informed that they will not process the packet at this time but within the next 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on XX/XX/XXXX XXXX i received multiple notices from the 3 major reporting bureas : XXXX, Equifax and XXXX  that their were numerous inquires being placed on my consumer credit ... i have disputed these inquires with the creditors : XXXX XXXX/auto financing companies, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  and they responded by telling these inquries were done online..Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave _ : XXXX XXXXauto financing companies, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX any written consent to report anything on my consumer report, NO consent is identity theft..these inquires should not be furnishing on my consumer credit report at no conditions at all.the 3 major bureaus XXXX.EQUIFAX AND XXXX  are wellaware of the law that has been giving by congress and they have violated my right by furnishing these fraudulent inquires without my consent ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: CO
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: SC
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 SUBMITTING THIS ON MY OWN BEHALF ... I pulled a copy of my credit report and noticed several fraudulent accounts. A consumer-reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
So I attempted to fax this document but was unable to, so Im sending it via certified mail with tracking, uploading on your site, and sending via the CFPB portal.

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 2017-08-22
Company: Advantage One Credit, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Today I tried to call this title loan company we have had an account with since 2015. I wanted to inquire as to why in XX/XX/XXXX I received a bill saying my pay off principle was XXXX $ and as of last Thursday he said it was over {$5000.00}. They did n't answer the phone it was sent to voicemail several times. I called a 6th time and the man that taped the voicemail greeting also answered. I asked him about the huge balance  difference. He said that bill was only sent to get me to call, I was shocked, that might have been criminal. He said they had a service company in CA ( Where we got our loan ) and he said they were transferring everything over to their Texas office and that he was sure it 'd be done by this afternoon. Turns out his address is at a XXXX store and he is n't answering his phone now. I just want my title back. I do n't know what else to do.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
When I opened my XXXX store card I was unaware I was signed up for Synchrony Bankcard security services, the fees were not disclosed to me every month they charged my credit card an Average of $ XXXX plus the interested from my credit card in a year this company charged me over {$160.00} without my consent I recently called to cancel their service on XXXX XXXX, 2017, and I notice even after I cancelled this company still charged me and making the interest on my credit card go up even though I pay more than the minimum on my credit 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 monetary relief
Consumer complaint received 2021-04-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried for over a year to resolve a debt that is not mine. 
XXXX XXXX associates of XXXX XXXX, XXXX : XXXX XXXX in XXXX, New Jersey has been dunning me through " ARS ", Account Resolution Services, XXXX. XXXX XXXX XXXX, FL XXXX. 

This debt is from a fall I had on the unshoveled, icy sidewalk in front of XXXX. ( XXXX XXXX  XXXX ), in XXXX, New Jersey, where I was in lockdown, as a ward of the New Jersey XXXX XXXX XXXX and indigent. 

I refused medical attention and then they strongarmed me to XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey XXXX. 

They took one x-ray and that's it. I was back in custody in less than an hour. No medication was given or prescribed. 

Their invoice is for {$650.00}. 

XXXX, as an entity attached to the XXXX XXXX XXXX is totally responsible for the debt. 
Can you please have this cleared up and removed from my credit report ; as I am trying to buy a house and this is the only mis-directed Billing negative on my credit report. 

I've tried and tried to contact both ARS and XXXX XXXX ; with never a response ; except the dunning continues. 

Please try to expedite this, As it is hampering my forward progress from their mis-directed Billings. 

Thank you, XXXX XXXX XXXX ( text only, please, as I am deaf. 
Or my email : 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 2020-12-13
Company: Continental Finance Company, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had closed my credit card with ContinentalFinance and they sent me a refund check-XXXX for {$50.00} which bounced onXXXX and i was charged {$15.00} for the check bouncing.I wrote to Continental finance at their XXXX, DE and requested a {$15.00} refund for the bounced check two weeks ago-never received a response from CDontinental. I would like to be refunded {$15.00}.

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 2018-05-29
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX ( Fedloan ) owes me {$38.00} for overpayment I made when paying off my student loan. You have until this Friday to XXXX me my check or you are getting a greeting from the State of California. You and I are still not done. 

When I said I would stay on your XXXX until the very end. I meant it. 

Thank you for my final payment notices, now give me my money you XXXX XXXX XXXX 

I should tack on compounded interest daily, should I make it {$100.00} for non- payment, you are two months behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
JP Morgan Chase Mortgage obtained my banking information from my current mortgage servicer without my permission and used the information to withdrawal funds from my account without my express permission. To be clear, Chase Mortgage took funds WITHOUT my permission or knowledge. 

At present the funds have not been returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They have been contacting my father via several phone calls. They also disclosed my personal information to him such as where the debt is from and the exact amount of debt. As far as Im aware, that is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14
Company: Sequium Asset Solutions, LLC
State: UT
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 have called multiple times. We never lived in the property for the time they are trying to charge us. The charges on the account are blatantly fraudulent and no one is willing to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH XXXX, XXXX OR EXPERIAN DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE STRESSING ME OUT.

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