BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: ID
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:
I RECEIVED A SUMMONS ( XX/XX/XXXX @ XXXXXX/XX/XXXX. XXXX STATING THAT IM BEING SUED FOR {$1700.00}. I'M NOT SURE WHERE THEY CAME UP WITH THIS AMOUNT. 
I'M ON XXXX AND CAN NOT AFFORD TO PAY FLING FEES, ETC. THIS CREDIT CARD DEBT WAS CHARGED OFF XX/XX/XXXX. ALMOST TWO YEARS AGO. 
THIS SITUATION HAS GIVEN ME SEVERE XX/XX/XXXX AND MY XXXX HAS GOTTEN WORSE. I HAVE XXXX AND CAN NOT EVEN THINK OR COMPREHEND WHAT PEOPLE ARE TRYING TO TELL ME TO DO. I'M ALSO EXTREMELY AFENDED WITH THEIR CLOSING " WHEREFORE. PLAINTIFF " PRAYS '' FOR JUDGEMENT AGAINST DEFENDANT. '' I FEEL THAT IS A HARSH STATEMENT TO BE USED IN A SUMMONS, I FIND IT HEARTLESS! WHO " PRAYS '' FOR SOMETHING LIKE THAT. THANK YOU, I LOOK FORWARD TO HEARING FROM YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: TX
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:
Due to a temporary situation financially of having to care for and pay for my mother ( XXXX XXXX ) funeral and burial out of my own pocket and alone which caused me to have some late payments earlier in my loan. I have worked diligently to keep them up and consistently on time. I have never absconded and have been tirelessly in communication about the account. The agency ( XXXXr ) agreed thru a goodwill gesture to update my account and I was told they would rid any late payments statuses to all 3 reporting agencies and late payments would state ( zero ) or none. This is extremely important now because I had a background check performed and this was revealed to my employer. It could jepordize my future employment and other current situations by this reporting. This damage would be irrepairable and permanent. My plan is to pay this account in full by XX/XX/2020 and have put things in place to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
USAA, reduced my CC from XXXX to {$500.00}, more than {$15000.00} without prior notification. This is an issue for me because it could adversely my credit report. I have never been late or missed a payment, and do not carry a high balance.Even If the company was to lower it by half I would have understood. However, to reduce a consumer CC by more then 95 % is unacceptable. I am a retired XXXX XXXX that is XXXX XXXX XXXX by the VA. I have worked hard to maintain my credit report and at no fault of my own it could now be effected, negatively. After doing some research, this seems to be a negative pattern with this company. How is this even legal? The CFPB should be able to do something about this. I am in the process of buying a home, this senseless act could affect that process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I did an application for a consumer credit transaction with XXXX XXXX in which they told me CPS needed me to put a down payment of {$6800.00} on a used XXXX XXXX XXXX. I was also told they would also need a 5 year verification letter stating I will be getting public assistance for the length of the loan. 15 U.S.C. 1602 ( a ) Defines finance charge as a sum not including any amount comparable in cash 15 U.S.C 1691 ( a ) ECOA ( Equal Credit Opportunity Act ) prohibits discrimination against any applicant in a credit transaction whose income comes from public assistance and who exercised any right in good faith under this Act. 

My complaint was previously closed because CPS attached a adverse action notice ( that I never received as required ) in response to the violations of discrimination. CPSs response to discrimination allegations was far from thorough. If no remedy is being offered, legal action will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My money have been held by PayPal for more than 180 days without any reason. Kindly help me because I have tried to contact them but they are not giving me any help. My PayPal email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a letter of validation to company to validate the debt. Not enough information was sent to be to verify debt was owed such as : Why the collector thinks I owe the debt, the amount and age of the debt, and whether the collector had authority to collect the debt in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Due to a temporary situation financially of having to care for and pay for my mother ( XXXX XXXX ) funeral and burial out of my own pocket and alone which caused me to have some late payments earlier in my loan. I have worked diligently to keep them up and consistently on time. I have never absconded and have been tirelessly in communication about the account. The agency ( XXXX ) agreed thru a goodwill gesture to update my account and I was told they would rid any late payments statuses to all 3 reporting agencies and late payments would state ( zero ) or none. This is extremely important now because I had a background check performed and this was revealed to my employer. It could jepordize my future employment and other current situations by this reporting. This damage would be irrepairable and permanent. My plan is to pay this account in full by XX/XX/2020 and have put things in place 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 2021-04-01
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the Company as the Authorized Agent on a recorded line to find out why was this going on my credit report that I have no Knowledge of and was given no legitimate answer and the operator hung up in my face before I could get an Answer about the debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting someone elses name as mine. I have submitted dispute after dispute along with copies of my photo id to prove that I do not carry this name yet they have continuously refused to remove this information. My second issue is that Experian is reporting my 4 open student loan accounts as closed. This is false. Again, I have disputed this information by mail, online and by phone only to have them continue to overlook the disputes and continue to report the false information. Upon my call to Experian, I was told that this is information can not be updated. Experian is the only credit bureau that has not updated my score to reflect my true FICO score and in comparison to the 2 others is the lowest by at least 75 points due to their consistent reporting inaccurate information and refusing to fix the issue no matter the number of disputes submitted or calls. In todays climate and with the history of racism due to poor credit reporting practices towards people of XXXX, I can not help to feel that this is my current situation as what is happening makes no other sense. I have submitted countless disputes over this situation and others and I am now literally at my wits end with this. Experian needs to be held accountable for their poor practices. My second issue is regarding a surname that continues to appear on my report as well. I have disputed this information and have submitted photo identification to prove that this is not me! I have never gone by any other name than my birth given last name. I have never been married however they refuse to remove this name from my report as it is not my last name. I dont know what else to do at this point. XXXX and XXXX  have never hesitated to report my information accurately however this seems to be something Experian is not capable of.

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 2020-11-10
Company: EQUIFAX, INC.
State: TX
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 XX/XX/2020 ; I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. It has been over 50 days. I feel like I am being taken advantage of and they are completely ignoring my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. Since it has been over 50 days, they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: National Credit Adjusters, LLC
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:
XXXX XXXX XXXX Date : XXXX XXXX Amount : {$530.00} They did not notify about a pay day loan being reported to the credit bureau, while I was making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with 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 2019-06-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Never got a notice - I have excellent credit - chase closed my acct for nonuse - said they mail one notice which i never got - i learned acct was closed when checking my credit report -which now is dinged from this - NOT RIGHT and Chase will not fix the issue they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Capital One Auto and informed the agency that my late payment was directly due to COVID-19 and a COVID death in my immediate family. They stated that only during COVID they would make an allowance for such circumstances. Despite this they reported the account late and despite numerous calls they failed to honor the arrangement and allowances under COVID.

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 2020-07-16
Company: Rocket Mortgage, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were scheduled to close on a new home on Tuesday, XX/XX/XXXX. We we also scheduled to close on the sale of our home that same morning. Monday evening Quicken Loans contacted us and told us we needed an earthquake appraisal before we could sign. Our realtor, title company, and our home inspector had never heard of such a thing. Our movers had to be cancelled which cost us a fee. We also had a hot tub mover that we had to cancel and incurred an additional fee. We have to be out of our home by Friday morning, and we have nowhere to go and no place to store our items. We have yet to hear back from this earthquake appraisal person. Quicken Loans did not accept our 63 page inspection report, then they said the earthquake appraisal was simply a drive by appraisal. This sudden appraisal request was because of an earthquake 40 miles away that happened in XXXX!? Ten hours before we were closing, they hit us with this ridiculous requirement. The worse part is they are in no hurry to get this completed. They send emails, but refuse to place a phone call to get this done. Meanwhile, the owners of the house were buying can not close on their home XXXX miles away because we havent purchased their home because of this appraisal baloney. Its going to cost us thousands of dollars due to this drive by appraisal where someone drives by and sees that the house is still standing. Quicken Loans puts everyday citizens in their queue. Were just a number to this massive organization and that saddens us. Were officially XXXX, and well have to store things somewhere, find someone else to move a hot tub, and obtain some hotel rooms because we dont know when well hear from this earthquake appraisal person. Unbelievable experience on my wifes birthday no less.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX house fire, insurance paid check $ XXXX to rebuild, total loss. Mortgage Company keeping XXXX XXXX, been trying to get this back since XXXX. Mortgage holder since they purchased our loan on XXXX. I have never been late with this mortgage in the XXXX years been paying on it, we have about XXXX value at this time and only owe $ XXXX, so no reason why they will not reimburse our monies there holding. They want a clean lien release but until I get my monies cant complete home to be rebuilt. Builder needs too be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX a collection account appeared on my credit reports from AFNI for a supposed debt of {$460.00} to XXXX. This account states it was placed for collection on XX/XX/XXXX. I have no recollection of this collection account. I have had an account with XXXX since XXXX ; it is up-to-date and active.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: NEW CITY FUNDING CORP.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I recently noticed this delinquent account. I assumed my insurance had paid everything after I totaled my car because I never received a bill or any accounting. I can not possibly owe this much! Also, you are describing this account type as a loan when in fact the alleged agreement is known by its governing laws as a credit sale. There is no loan agreement in place. No goods or money have been loaned. I'm pretty sure it is a violation of the FCRA to knowingly furnish or report false information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I XXXX XXXX Credit report transunion credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2020-07-15
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020, there was a fraudulent charge of {$500.00}, on this account. I've called daily from XX/XX/2020 until I filed a complaint with the XXXX XXXX XXXX on XX/XX/2020. During the calls I've had to explain to every agent the reason for my call and neither had any more information than the next agent and claimed to be escalating the claim. Any time I requested a supervisor, the agent never provided one or released the call to anyone else. During each call neither agent knew of an investigation or knew about any previous calls. I also filed a claim twice online, which I was later blocked from using. Not getting any response or credit to my account for this fraudulent charge led me to file a claim with the XXXX XXXX XXXX, which they immediately responded to and provided a generic response on XX/XX/2020 and as of XX/XX/2020, there has been no contact from this company or credit of my account. They've even not responded to the XXXX XXXX XXXX by the given deadline of XX/XX/XXXX. I've explained to them on several occasions that my spending pattern has never included such a large amount. I've looked online and also provided this information to the XXXX XXXX XXXX   where numerous consumers have complained about being scammed by this company and no solution. 
https : XXXX I've waited over 30 days. According to the Truth In Lending Act, if the actual credit card not used, the consumer has no personal liability and by law should not exceed 10 business days. Company has stated that card wasn't used, that it was paid as checking, which I didn't authorize. 

I would like a full refund of {$500.00} that this company withdrew from my account, without my permission. I never authorized withdrawal for this amount on this account and any time.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My wallet was stolen from my car a few months prior. I first noticed my XXXX benefits were being used and reported it to Identity Theft. Other accounts and credit cards were opened under my social security number, and I've noticed my credit score depreciate since the event occuring.

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