BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: PLS GROUP, INC
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I called and reordered a lost prepaid date on XX/XX/2017 in which I was told there was no option for expedited delivery and the card would be here in 7-10 business days. I called to make sure the card was ordered as promised. <P/>On several occasions, I called and kept getting the run-a-round and was denied a supervisor every single time. My girlfriend tried to ask on behalf as well.. Everytime we were put on hold for a couple minutes and were always told a supervisor was not available and we could n't hold for one. We were told we would have to wait for a call back, which we are still waiting for to this day. Today is the 10th business day and the card is STILL NOT HERE!!!!! <P/>There was misinformation on when the card was ordered, if it could be expedited and what was actually considered a business day. When the representatives were unable to answer the questions or provide someone of authority, they would say they had to disconnect the call leaving us helpless with nothing else to do. <P/>They do not listen to the customers and most concerned with taking the next call rather than helping the customer who they have on the phone at that current moment. <P/>WE need a call back from someone as they are basically stealing his money at this point and we ca n't get anyone on the phone to get his money back if they are n't going to send the card. He has not been able to work due to this and they are costing him money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent Experian a certified letter to dispute incorrect information on my credit report. I have not received a response stating that an investigation has even started. The information is inaccurate and needs to be corrected. 
They are reporting a payment status as " Current was past due 90 days '' This is an FCRA violation- and the status needs to be corrected to " current, or Pays account as agreed ''

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 2017-11-15
Company: Rosebud Economic Development Corporation
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
My original payment plan was around {$290.00} every check. I was unable to make a payment and they did in fact lower my payment to {$230.00} every check. I had even called in when I had some extra money and paid them {$300.00} with my debit card to try to pay it off faster. When I looked at my account online, the XXXX had not lowered my balance at all. When I called to inquire about this, they told me that since I had not specifically said that I was using the XXXX to replace one of the specific payments that I still owed them the 5 payments of {$230.00} dollars that I already did before making the {$300.00} payment. XXXX Basically I was supposed to say, " hi I 'm calling to make my payment for XXXX right now. '' ) So essentially I just gave them {$300.00} without it paying down my loan at all. 
About a month ago I had a car repair I needed to make. When I called them to see if they could let me skip a payment and make it up with my next check, they wanted to put me on a payment plan for {$300.00} for another 10 months. The principal was {$1000.00} And I 've already paid them {$1600.00} to date. The interest rate is over 700 %. I 've contacted them and told them I 'm not paying them anymore money. I 've also closed my bank account they had on file for me. This company and others like it are predatory towards people with not so great credit, who are in a pinch and feel like they have nowhere else to turn. They need to be shut down.

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 2019-06-13
Company: Resurgent Capital Services L.P.
State: CT
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 sent dozens of request to all 3 credit bureau 's to investigate an account that is reporting inaccurately on my credit report. Each bureau has come back " verified '' and the account is still incorrect across the board. It has been over 30 days since I have submitted my investigation request to each bureau and to the company directly and I have yet to get a response or have the inaccurate information removed from my credit report. They continuously " update '' the account information. 

I have asked each company to " verify '' that the information that they were reporting was 100 % accurate, each came back verified but each bureau is reporting different information regarding the same account. 

The creditor has sent absolutely nothing in regards to verifying that the account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting 30 days late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please remove the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  has reported twice amounts that they said I owed on fraudulent accounts. When the issues were finally proved they were not my accounts they failed to restore my credit rating to the number it was prior to the problem.

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 2022-03-01
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2017-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Around XX/XX/XXXX, I was checking my credit report on credit Karma and it stated that my chances of getting a Capital One Credit Card was fair. I went to capital one website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX, I received a confirmation email that my new capital One Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with capital one 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. Capital One should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The companies involved continue to report inaccurate information on my credit report after a so called investigation.

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 2018-03-22
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No contract with this company or its people they claim i owe the debt to.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX was supposed to have mailed to me another IBR form, but I have not received it. 
I knew not where to have begun ... e.g., when I was an XXXX, a university that I withdrew from officially and transferred from changed my financial aid information repeatedly, more or less daily, without my knowledge or consent, so that it received money instead of the university where I was actually enrolled ... The most recent major issue that I had was that the loan company tried to have consolidated bogus loans instead of the real ones ... 
I knew where this will have ended ... I XXXX  almost twenty years ago, but was expected to have been in debt another 30 years or more ... The loans will never have been repaid. Whoever loaned the money knew the risk ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
there are 8 inquires from XXXX XXXX that I didn't consent to and they need to be removed from my credit file the dates for the inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these need to be removed from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
there are 8 inquires from XXXX XXXX that I didn't consent to and they need to be removed from my credit file the dates for the inquires are : XX/XX/XXXX these need to be removed from my XXXX 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 2022-03-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My credit has been bad for years. Yes, I have student loans. Yes, I have some bad marks on my credit, BUT I have positive also. I have worked my way into having enough income to pay everything on time. I have had on-time payments for over a year. Is there no chance of ever improving my score no matter how long I pay my bills on time? I have under {$2000.00} in bad marks, but thousands and thousands of good ones. I am paying on my {$1800.00} in bad debts every. month. Is there no balance? This is in both Transunion and XXXX. I can't get anywhere. I can't get loans at any kind of reasonable rate. I can't get a home loan. I can't get anything. I am a XXXX-year-old XXXX XXXX XXXX holding, full-time working, tax paying citizen that can not get a higher credit score. The parameters needed to improve my credit score are too harsh and people like me need some kind of relief in sight or what is the point of moving forward?

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 2022-03-01
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I'm beyond frustrated. Experian 's fraudulent claims that disputed bankruptcy was legally verified are false and a clear, blatant violation of my rights and the FCRA. 
The following agencies have deleted the legally unverifiable bankruptcy : XXXX, XXXX, XXXX, XXXX XXXX, XXXX and XXXX. Yet, Experian claims that bankruptcy was verified without disclosing who supposedly verified bankruptcy. The FCRA clearly states that a disputed item must be verified with and/or reported by the " original creditor ''. 
I've sent numerous copies of letters from XXXX and the Courthouse in which each entity states they neither report nor verify bankruptcies. Per the FCRA if the original 'creditor ' can not verify a disputed item then the item is to be removed. Therefore, to continue to claim this bankruptcy as verified is fraud and a blatant violation of the FCRA as well as my consumer rights. 

Furthermore, I'm aware that Federal Law prohibits any person 's full social security number from being displayed on XXXX and that using XXXX to " fish '' for information is not a viable or legal form of verification regarding disputes. I am also aware that repeatedly claiming the bankruptcy verified without disclosing the party you're getting the information from is yet another FCRA violation. 

If the bankruptcy is not removed from my credit within 30 days, I intend to seek legal remedies and seek a minimum of {$1000.00} per FCRA violation as compensation for violating my rights as a consumer and for the blatant disregard shown for the law- as is my legal right per the law which Experian has willfully failed to follow. 
I've emailed, sent letters, faxed and called. Each correspondence had proof that Experian is blatantly and willfully disregarding 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 2017-11-15
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX ( and XX/XX/XXXX ) I received automated voice calls from Pro collect a collection company representing a former landlord. The automated messages were left on my cell. I called and spoke to an representative who then transferred me to another " supervisor '', XXXX XXXX. I told XXXX XXXX that I had received a call from this number, and she only confirmed my name. I only ID my name, and then she goes into it being a debt for the landlord, and provided the mini Miranda. Never verified last four of SSN and/or DOB. Provided the balance of the account. She asked had I received correspondence about the account, and I told her no. I confirmed my current address at that time, and never confirmed that this was the best number for me. I did explain twice that the number was a cell line, and she states that basically that meant nothing. She goes into providing me a phone number for her directly, the account number, and describes the methods of paying. She asked which one I would choose, and I explained that I would call back in. XXXX XXXX advised me that she would report my account as a " refusal to pay '' because she did n't give that ( meaning calling back ) was an option. At that point I identified that I being a former collector, and well aware of the laws, know that she could not do that. She was argumentative and at this point I terminated the call.

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 2022-03-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, an unauthorized person was granted access to my bank account by Chase Bank. The person committing the fraud was flagged as fraudulent, but was still granted access and was able to drain my balance by buying new XXXX products and shipping them to a Virginia address. 

On XX/XX/XXXX, I discovered the fraud after receiving an email alert that my email address on the account had been changed. I immediately called the bank and was told that they would change these things back, and that they would fix this, and that they would add layers of security to this option. The agent I spoke to at that time *confirmed* that Chase themselves had granted access to my account to the attacker. They said that they would freeze my account from any further transactions until I went to the bank in person tounfreeze the account. I spoke to no fewer than three agents that day who said they would add various flags and protections. 

On XX/XX/XXXX I went into a branch to follow up ; I was told my account was secure, they had done everything they could. and that my account was safe. I flagged that I wanted to know how the attackers had gotten access, and what information was used. I instructed them to please keep the account locked. Despiteproviding them with information as to where the stolen items would be sent, I was told no effort would be made towards recovery. 

On XX/XX/XXXX, I received another alert that Chase had again given access to my account to someone else. I immediately called to find out what had happened ; the agent in question that I spoke to said not only had nothing changed, Chase had not locked my account. Chase had not reported the fraud or started any refunds. Chase had not added the requested password. This agent, XXXX, said he would proceed to do these things. 

On XX/XX/XXXX, I called again to try and resolve these issues ; I was told that there had been no modifications to security or other improvements, despite the agent acknowledging the new username which I had added on the XXXX. They said there had been no changes to the account in months. They said they would add two factor authentication again on my account to add a layer of protection. As of today, XX/XX/XXXX, I was able to access my account without 2 factor authentication.

Company response to consumer: Closed with explanation