BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-22
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HP Sears is reporting a medical collection to all the bureaus. I went to XXXX XXXX. I have insurance. I have XXXX. I went to XXXX XXXX for only covered services. Services that are included in the XXXX XXXX XXXX 's scope of benefits are not chargeable to the XXXX XXXX beneficiary yet I have a bill. I have asked and asked for a reason why there is a balance but HP Sears is only interested in money. They threatened harm to my credit if I didn't pay them. I wanted time to find out what this was about so a payment plan was arranged in exchange for not reporting this on my credit. They put it on my credit despite my requests for validation of the debt. I spoke to your company before and informed them I am in dispute with XXXX XXXX and that they needed to validate this debt but it appears they have refused so I am asking for your help. I requested that they provide me with competent evidence that I have any legal obligation to pay you because I have 100 % covered insurance. Tell me : What the money I owe is for ; I asked them to provide a detailed list of any and all services or goods purchased and a line by line itemization of charges ; Explain and show me how they calculated what I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; They are not supposed to report on any bureau until they have provided this information but they did. I am considering taking this to civil court. I believe this might constitute fraud under both Federal and State Laws. I now demand they send me a deletion letter today until such time as this is resolved. I have my phone records to prove I have spoken to you and made this same demand verbally. This would be construed as knowingly violating the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: AES/PHEAA
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 status incorrect

Complaint:
Denied credit line from XXXX XXXX due to delinquent student loan report on credit report. Contacted XXXX since I had been paying on my account and filed a dispute with XXXX. XXXX informed me that they did not report to the bureaus as my account was not in default. I then received a forbearance. Dispute from credit bureau stated info correct. Contacted XXXX again where they verified the loan was not in default and had not been reported to the credit bureaus. Sent a letter that states as much. Filing another dispute with crwdit bureaus with documentation attached. Contacting this agency with concerns the reporting is obviously fraudulent. I believe local law enforcement agencies and XXXX County School District depts. responsible for fraudulent reporting as means of retaliation for grievances, complaints, and EEOC claims of bullying, harassment, discrimination, and retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XXXX XXXX Representative, XXXX XXXX, has been making harassing phone calls to my co-workers, supervisor, and myself at work. I have sent two cease and desist letters in regards to the harassing phone calls and asking XXXX XXXX representatives only to contact me by mail. Additionally, I have a receipt from USPS certified mail detailing they received the cease and desist letter. I was out from work when my supervisor contacted me on XX/XX/18 stating XXXX XXXX had been calling and leaving messages with my co-workers in regards to my student loan. I received another call from XXXX   XXXX on XX/XX/18, where I told him not to call me at my job, and hung up the phone. I am within my legal right to have all correspondence be through mail, but XXXX XXXX refuses to cooperate with the law and cease harassing me. Additionally, XXXX XXXX refuses to contact me with any detailed information in regards to my account by mail. However, XXXX XXXX 's representatives are all too willing to share my personal information with co-workers, supervisors, and unauthorized family and friends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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 previously filed a complaint # XXXX & XXXX and requested immediate deletion of Bankruptcy that does not belong to me : US BANKRUPTCY COURT-XXXX  XXXX Reference Number : XXXX. 

I previously wrote you to investigate and verify this bankruptcy listed on my credit report, which you responded to as being verified. 

The court informed me that they do not show any record of a bankruptcy filed under my name and identification information. Further, the court does not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. It is quite clear that Experian did not verify this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

In your response to my complaint # XXXX it was stated Experian verified this bankruptcy as belonging to me. This is completely false and I demand proof of this verification. 

I have provided you in my complaint # XXXX a XXXX Consumer Verification proving this bankruptcy does not belong to me, which is the only legitimate alternative to asking the court for verification. 

I have also placed a fraud alert on my credit report upon becoming aware of this and I have filed a police report and have provided the police report to Experian. I FORMALLY REQUEST IMMEDIATE DELETION of this Bankruptcy on my Experian credit report that does not belong to me : US BANKRUPTCY COURT-XXXX  XXXX Reference Number : 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 2019-02-18
Company: Client Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous phone calls from Client Services Incorporated over the past several months. They call looking for XXXX XXXX attempting to collect a debt. I have explained to them that I am not XXXX XXXX and ask for my number to removed and for them to not call me again, but they still do. The most recent phone call was on XX/XX/XXXX at XXXX p.m. I received another phone call on XX/XX/XXXX, and prior to that, on XX/XX/XXXX. I have told them several times if they do not stop calling I would file a complaint, and they still call. My phone number is also registered on the " Do Not Call '' registry.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: MoneyLion Inc.
State: CT
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:
money lion lender app reporting late payments to my credit this company would not accept payments from my XXXX XXXX  or XXXX XXXX  app so company can not report me late or delinquent when they dont accept my payments from my bank please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Trying to set up XXXX  for payroll for our business, they said we had to complain to you ...? 
WHAT is it going to take to be able to business with this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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 belongs to someone else

Complaint:
Remove the fraudulent information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I obtained and reviewed a copy of my Equifax credit report. There was a Hard Inquiry on  XXXX   XXXX ,   XXXX   made by  XXXX  of  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , DE  XXXX . I have not applied for credit from  XXXX  and I am unaware of any accounts with them. I sent them a letter on  XXXX   XXXX ,   XXXX   to the above referenced address requesting they provide me with documentation showing they had a right to make the  Hard Inquiry.  The letter was returned as undeliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In our Defense we never received any legal document by law that we had a judgement on us. We don't know what this is about, and we need a investigation on this Corporation. 
Our Checking account was garnish without any legal documents about courts. There is no paper trail on this account. As we investigation this account we found out this company are doing malice on the Corporation of XXXX @ XXXX. MANDARICH LAW GROUP , LLP has taken out funds out of out account with out NO court papers. 
As a community Advocate I need legal documents of how a Corporation can do malice with out no notification of legal documents, and stealing {$2500.00} from checking account. and XXXX XXXX from Taxes. 
WE need documents please, Thank you for reading this. 
We have informed our Congregation about this Corporation, MANDARICH LAW GROUP , LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: BARCLAYS BANK DELAWARE
State: TX
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 completed a balance transfer from   XXXX   XXXX   to Barclays when the payment was sent to Barclays the funds were applied to another account, after sending in a copy of the cancelled check both front and back and multiple calls to the credit card company this issue is yet to be resolved

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 2018-10-22
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:
" " '' I have disputed this Bankruptcy : Discharged CH-XXXX XXXX for months.XXXX and XXXX   have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Several account balances are incorrect. Two accounts are paid in full. This shows my credit utilization as significantly higher 60 % vs actual 46 %. Ive tried contacting them online and by phone and there is no one to speak with. Accounts have reported to all three credit rating services. Current balance. Only XXXX has updated the credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: JPMORGAN CHASE & CO.
State: TX
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 have been a Chase Credit card and auto loan holder for several years. On XX/XX/XXXX I submitted a payment for the full balance of my JP Morgan Chase Marriott XXXX credit card account, {$9.00}, in order to bring the balance to {$0.00}, and the payment was accepted. During this time, I have later come to learn that my bank from which the payment was debited, " XXXX '', was undergoing acquisition by XXXX, XXXX XXXX. In addition, XXXX, XXXX was subsequently acquired by XXXX XXXX. I did not know that on XX/XX/XXXX, the payment was " returned ''. My assumption is that during these mergers & acquisitions, the banking information was not routed correctly. Chase maintains that the return was due to insufficient funds. I received no email, text messages, or phone calls alerting me to a returned payment. On XX/XX/XXXX, believing my account to be paid in full, I logged into my account to find that my payment had been returned, and it was now 30+ days late. This is not a card I use often, as it is a travel card, and my family and I have not been traveling, so I had not expected there to be a balance whatsoever. 

I immediately paid the overdue balance with a different bank account, and contacted Chase bank. Seeing as Chase had reported my account 30 days past due, my credit score dropped 80+ points due to this {$9.00} balance that was " overdue ''. In addition, I placed disputes with each of the credit bureaus. I have now spoken to Chase bank associates on multiple different occasions, and they have continued to assert that there is no way to amend or withdraw the delinquent payment of {$9.00}, even though my payment had been submitted in good faith on XX/XX/XXXX, and the bank ( s ) responsible for payment declined the payment. This has caused longstanding and costly damage to my credit report and score, and Chase associates have not offered any recourse or solution to repair it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Companies- Experian/XXXX. Account.XXXX. Reporting inaccurate information on my credit report since XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX XXXX . Please remove this inaccurate item from my Credit Report as soon as possible if you have no proper reinvestigation proof. Thank you

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 2018-10-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
on XX/XX/2018 I experienced issues with my care credit card with synchrony bank. My card was showing as if I had no account. I proceeded to contact synchrony and was told by customer service that my account was restricted I asked why as my account had a XXXX balance and in good .I was told I needed to verify my account. Synchrony bank did not want to accept my info such as address, phone and social security. They told me that I needed to submit a 3 min video of myself with documents in the video proving that it was me. I was told to go on XXXX when I went on this there was no such search providing me with this. I proceeded to call them back and then I was told to submit my documents such as drivers license and a utility bill to a XXXX XXXX address. when I asked for a physical address and a reference number on my documents I was told I did not need it. I hung up and called for the 4th time and asked to fill out a grievance I was told they will note my complaint. By this time I was so upset and voiced that why would a restriction be placed on my account with no notifications and it was 9 months that I opened the account why restrict an account stating they needed to verify after 9months made no sense. I was told a passcode would be sent and then I was to call with the code to un restrict my account. The merchant had to wait fromXXXX till XX/XX/2018 16 days to get paid. My other issue with synchrony bank occurred on XX/XX/18 where I discovered that synchrony bank closed my Jcpenny account and my tjmaxx account. there was no reason to close my account I have been in good standing with both accounts. I have paid on a timely manner and have a XXXX balance owe. I had no warning. I found out via my XXXX XXXX app that sent me an email alerting me that my account was closed. I called jcpenny synchrony bank and I was told that the credit bureau closed my account by customer service. when I contacted XXXX I was told this is not true that the bureaus receive notice from the creditor notifying to close an account. synchrony bank lies. They also don't have physical address for formal complaint grievances. My credit report score has nothing to do with my good standing with my credit card and I feel I was treated unfairly.

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 2018-10-22
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Navy Federal Credit Union ( XXXX ) has refused to disclose the amount of interest it has charged me on late fees during the duration of a personal loan. I believe this refusal is in violation of the Truth in Lending Act. 

A current balance of over {$2000.00} represents late fees and interest. The promissory note states a late fee in the amount of {$29.00} will be assessed when payments are late. However, the promissory note DOES NOT state interest will be charged on late fees or identify the interest rate. 

he amount financed was {$7900.00} and the total payments amount was {$11000.00}. Now with all principal paid I am saddled with a balance of over {$2000.00}. NOTE : I can not specify the exact amount because I can no longer access it online, probably because being able to do so would continue to reveal the daily increase in the balance because of interest being added daily on late charges. 

This complaint is a followup to complaint # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: EQUIFAX, INC.
State: WA
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:
Well there are closed paid accounts that should not be still on my credit report at all some keep re appearing and wont go away I dont owe on them so they should have be Removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: BARCLAYS BANK DELAWARE
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: Investigation took more than 30 days

Complaint:
Dear CFPB : I am writing to you because I have exhausted my options. I did not owe anything to this credit card company, they were charging for the annual membership fee and because they were sending the invoices to the wrong address, they put me down as being late. 

Below is the letter I sent to XXXX XXXX XXXX from Barclays Bank Delaware she works in the office of the president. 

I am requesting that negative information supplied to the credit reporting bureau be removed. 

Background, I opened a credit card account with XXXX Bank in XX/XX/XXXX. The credit card has a high limit of {$10000.00}. However, I have not used the card or carried any balance in over 2 years. 

Barclays was trying to collect an annual membership fee of {$89.00} from me and apparently was sending the information via email to my ex-wife. 

XXXX was sending the bills to XXXX XXXX XXXX XXXX XXXX, CA XXXX and the email address was XXXX. Both the address and the email address belong to my ex-wife. I had sent a letter back in XX/XX/XXXX letting XXXX XXXX to update my contact information. 

I have not lived at the XXXX XXXX XXXX XXXX XXXX CA XXXX address since XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX XXXX Ca XXXX and my email address is XXXX I had no idea that XXXX was trying to collect an annual membership fee of {$89.00} since all the contact information that XXXX had was not correct. 

I only became aware of the negative information because I subscribes to XXXX XXXX which sent me notification that XXXX was reporting negative information. 

As soon as I found out about this issue I called XXXX paid the {$89.00} and updated XXXX with the correct home address and email address. 

Prior to Barkleys reporting the negative information of a 30 day late in XX/XX/XXXX and a 60 day late in XX/XX/XXXX my fico scores ranged from XXXX XXXX. Because of the negative information my current fico score rage is between XXXX XXXX a drop of XXXX points. Up until this point, I had no negative reporting. 

I'm in the process of refinancing one of my properties but can not do so because of this negative and incorrect information. 

Please be aware that your direct actions is impeding my ability to refinance my property which will cost me hundreds of thousands of dollars in higher interest rates over the lifetime of his loan. 
Please update the credit bureau to show no late payments.

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