BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-13
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:
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete the following accounts XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have several open investigations ( disputes ) initiated due to inaccuracies and/or incomplete information on my Equifax credit report. The disputes are attached. 

It is my understanding that if the information on my credit file can not be verified, updated or corrected, then the items must be deleted. 

Equifax, in some of these cases, appears to have failed to properly investigate my disputes within the allotted time, based on Federal Law ( FCRA ). Equifax has not provided me with updates, nor have they informed me if additional information would be needed in order to extend their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: SC
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 response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: PMGI, LLC
State: CA
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:
After reviewing my XXXX credit report I found that a debt collection company ( PMGI LLC ) located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA had pulled my report on two separate occasions : XXXX XXXX, XXXX and XXXX XXXX, XXXX. <P/>Both times without my consent or knowledge. I sent a letter to the company notifying them of the 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 2019-08-02
Company: EOS Holdings, Inc.
State: PR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My issue is about the time giving me XXXX XXXX XXXX to making the loan Payment was to early to provide making payments in the period stablish. I was continued study my XXXX XXXX on that time, I m Submiting the student Loan on XX/XX/2012 at XXXX XXXX XXXX. 
I am a Graduated from XXXX XXXX XXXX for a XXXX degree XXXX XXXX  XXXX on XXXX XXXX. 
My university completed and send the defertment Disclousure at the time requested by XXXX XXXX office, also maintain comunication by Phone calls. I Feel there was a ilegal management about my account, because XXXX XXXX XXXX sale my account to EOS CCA Collector Agency, without any agreetment or payment option to me. 
My credict History is actually it been Damage by XXXX XXXX XXXX and without the posibility to request financial support to other banks or to receive beneficts an services. 
Customer have the rights to have good credict by the credict fair Law. 
I hope that your investigation finding are positive in response to this issue. 
Thanks, Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$1800.00} on the XXXX  XXXX  partial account number XXXX. ( Please see pages 27 and 28 of the attached credit report. ) This account is well over ( 7 ) years old and reporting of this line item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this, however I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: ZWICKER & ASSOCIATES
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am in the process of resolving all of my credit card debt. I employed XXXX XXXX XXXX to mediate the process. I make consistent monthly payments so that they can negotiate repayment of my credit card debt. On the outset, I was told XXXX XXXX do not settle debt. Therefore, I am not disputing my balance with XXXX. I am willing to pay what I owe to them. <P/>I was summons to court by Zwicker & Associates, P.C. regarding the {$3200.00} past due balance I owe XXXX. My court date was XX/XX/XXXX at XXXX XXXX. I checked in with the clerk at XXXX XXXX. By XXXX I was n't I proceeded to checkin with the clerk again and was told Zwicker entered a default judgment against me because I did not appear in court. That is a false statement. The ourselves did not call my name to discuss a resolution. <P/>The day prior to my court date, a arranged with XXXX or Zwicker collection department to make a {$300.00} payment on-demand and recurring $ 300 monthly installments via ACH through XX/XX/XXXX. The last debit from my bank account will be {$230.00} on XX/XX/XXXX ( confirmation # XXXX ). I called Zwicker & Associates office back to 1 ) inform them of the repayment arrangement and 2 ) to verify whether a court appearance would be necessary. Zwicker 's refused to verify my payment arrangement except to say they can not give legal advise. <P/>I feel deceived and harassed by Zwicker & Accociate. After the clerk tried to call the counsel to return because I was in fact in the courtroom on XX/XX/XXXX she would not return ; however she entered a default judgment against me. I received another summons to appear in court - a continued return date on Friday, XX/XX/XXXX at XXXX. Zwicker another cost of XXXX in addition to the $ XXXX monthly installment agreement between Zwicker Debt Collection staff and me on XX/XX/XXXX. <P/>I am willing to repay the debt I owe. I hired XXXX XXXX XXXX to assist me so that I can avoid numerous calls from creditors at my home. It is a huge inconvenience to me to travel miles to court and miss a half day of work because the collection agency refuse to verify and perform due diligence on this account in which I plan to pay XXXX the entire past due balance. The collection practices appears to be unfair, deceptive, misleading and abusive. Can someone help me with this matter? <P/>I attached documentation that refects Zwicker 's deceptive abusive practices along with payments they debited from my bank account {$600.00} to-date. The statement in Zwicker 1 attachment is not true. I was in the courtroom 15 minutes prior to my appointed time. The Counsel did not call for me and proceeded to file a judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 my debit card was used at a XXXX XXXX in XXXX Texas for two amounts one in the amount of {$120.00} the other in the amount of {$84.00}. the first transaction happened at XXXX p.m. and the second one followed at XXXX p.m. I immediately called chime bank and notified them and they canceled my card and sent me a new one. At that time I was informed I would have to wait for the transaction to settle before I could begin the dispute process. 3 days later on Monday XX/XX/XXXX the transactions settled and I called chime to begin the dispute process. After filing the dispute with chime I contacted the mesquite the police department in XXXX Texas where the fraudulent transactions took place I filed a police report with XXXX XXXX badge number XXXX XXXX XXXX XXXX police report number XXXX. I forwarded this information to chime. On Wednesday XX/XX/XXXX I received my replacement debit card in the mail and activated it. After activating my new debit card I went to a gas station and used my card for {$30.00}. The next day time denied my dispute. The reason they gave me as to why they denied the dispute was because I used my debit card on XX/XX/XXXX for that {$30.00} transaction. I explained to them that it was the new debit card I used and not the one that had been stolen. Time then proceeded to tell me that I had not provided them with enough information to substantiate my claim and that they would not be proceeding with the dispute the matter was closed. I am asking that my money be returned to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In XXXX XXXX I paid off a collection in full to XXXX XXXX XXXX acct # XXXX and I have proof of receipt. I was told by the collection agency that this collection would be removed / updated as soon as this debt is paid off in full. As of XXXX/XXXX/XXXX the debt was removed and then later placed on my credit report again, I disputed the item again and it was removed on XXXX/XXXX/XXXX. I have proof of both removals. I was not notified in writing within XXXX days of placing this debt back on my credit report. This is a violation of FCRA. As of XXXX XXXX, XXXX I pulled my XXXX, Transunion credit report and I saw that this account was still reporting as a negative item on my correct report and is affecting my credit worthiness. This account was permanently removed from XXXX, so I contacted the collection agency and I was told that they stop reporting this paid in full debt to credit bureau as of XXXX XXXX and that I needed to contact each credit bureau that it was being reported to. so I contact each bureau that 's its reporting on in writing and I received a letter from XXXX  stating this information has been verified and Transunion just sent out a credit report showing remained. This item could n't have been verified because agency stated that they stop reporting this item back in XXXX XXXX and it was already removed from XXXX .I am asking that this account be deleted permanently asap.

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 2020-10-08
Company: Experian Information Solutions Inc.
State: AZ
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:
They haven't removed the card from my report as promised. I have a police report i submitted to them and they still haven't kept they word.

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 2019-08-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 at XXXX XXXX at XXXX XXXX XXXX, XXXX, New York XXXX I was informed that my Chase Checking account was closed by the Branch Manager Vice President XXXX XXXX. 

Lost Prevention informed me they did not know why. ( XXXX ) Lost Prevention ( XXXX ) informed me that it was closed for No specific reason, they felt like it. That is the reason. 
On that day I was about to deposit {$1000.00} into my Chase checking account, which has a balance in it. This account is used to pay my Chase Home loan and other bills. 
I have had accounts with Chase for years.

After coming home I called Chase and spoke with XXXX at Loss Prevention XXXX, She had no further information. 










































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Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I HAPPENED TO LOOK ATT MY CREDIT REPORT AND SAW SEVERAL COLLECTION ACCOUNTS FROM XXXX XXXX XXXX. THEY NEVER SENT ME A NOTIFICATION OR ANYTHING. THEY JUST PUT ALL OF THESE COLLECTIONS ON MY CREDIT. I HAVE NOT GONE TO AN EMERGENCY ROOM IN OVER FOUR YEARS, AND MY INSURANCE PAID IT WITH MY DEDUCTABLE BEING PAID. SOME OF THE ACCOUNTS FROM XXXX XXXX  IS DUPLICATED. I SENT FOR VALIDATION IF THE DEBTS AND THEY IGNORE ME AND DO N'T RESPOND

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: ECMC GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Recently received repayment information on this loan through CFPB and after reviewing such information, I noticed a few things that do n't sit right. Understandably, the company will charge a fee to collect and there will be interest to pay. However, ECMC has added there fees to my balance more than once. Looking at the paperwork shows that ECMC has tried to add collection fees 9 times ( XX/XX/XXXX {$5200.00}, XX/XX/XXXX {$5300.00}, XX/XX/XXXX {$4300.00}, XX/XX/XXXX {$4400.00}, XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$3400.00} and XX/XX/XXXX {$2300.00}, XX/XX/XXXX {$2200.00} and XX/XX/XXXX {$1100.00} ) and removed them 8 times ( XX/XX/XXXX {$5200.00}, XX/XX/XXXX {$5300.00}, XX/XX/XXXX {$4300.00}, XX/XX/XXXX {$4400.00}, XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$3400.00}, XX/XX/XXXX {$2200.00} and XX/XX/XXXX {$1900.00} ) while collecting additional collection fees monthly. If a collection fee is added in XX/XX/XXXX it 's removed in XX/XX/XXXX, if it 's added in XX/XX/XXXX it 's removed in XX/XX/XXXX except for the last collection/reduction fees which were in XX/XX/XXXX. ECMC is collecting additional interest on the added fees while they are posted but not making the corrections to said fees. So my balance should be around {$3000.00} ( minus the added interest from added collection fees ) plus the correct interest without the added fees to my balance and lets not forget ECMC additional collection cost of {$1000.00}. So I 'm guessing my balance should be anywhere around {$4000.00} ( includes collection cost ) plus interest which would include the most recent payment of about {$190.00} in XX/XX/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 2020-09-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I'm filing this complaint against Lakeview Loan Servicing , LLC c/o XXXX XXXX XXXX because their phone system makes it impossible to ever get a live person unless you're actually trying to refinance, in which you will be sent to a loan officer to refinance, otherwise you will be in a continuous loop. Also the sub-service provider does not give you the information nor can you find the information to setup electronic checks to the company, you must use their website. The company has many horrible reviews online, including the fact that they charge you for late fee 's and their systems don't autodraft till they consider you late. They also charge fee 's for online payments in the tune of {$10.00} per transaction.

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 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In the month of XX/XX/2018 I reviewed my credit report and there were many fraudulent accounts that were on there. I'm in desperate need of these items being removed.

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 2019-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I paid my XXXX XXXX  credit card balance down to {$0.00} before my due date. I have my XXXX statement proving I paid everything to {$0.00}. 
But XXXX incorrectly reported I still had {$1000.00} balance to the credit bureaus & now my credit score has dropped tremendously. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX ILLEGALLY CHARGED MY CREDIT CARD FOR AUTOMATIC XXXX XXXX  RENEWAL DESPITE THE FACT THAT I TOLD THEM REPEATEDLY NOT TO, THEY LOCKED ME OUT OF MY XXXX XXXX IN XXXX AND CUSTOMER SERVICE SUCKS!!!! THE ILLEGAL CHARGE NEEDS TO BE REMOVED IMMEDIATELY!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
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: Account status incorrect

Complaint:
I have noticed that Experian Credit Bureau continues to incorrectly report on my credit report that over or within the past year ( 12 months ) that Experian continues to list on my report 1 missed payment of which is inaccurate and untrue. I have yet to know the name of the company that Experian is referring to and thereby am having difficulty understanding why they are still listing an account that they are claiming that I have been late or missed a payment with.

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 2021-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am XXXX XXXX I have been with Capital One for about 4-5 years and my account is being held because I was approved for a loan and as a customer I should have access to my funds and the daughter account is now being held as well. What I do not understand if the government ask for these type of documents you provide it to them and the money was disbursed in your account why is or should I say the bank feel the need to hold someone funds if they were approved for them. So the bank has the right to hold funds because of what and why and how please explain that to me. If your supporting documents were approved from SBA why do the bank feel the need to hold your funds it is not right. They are asking for all these documents like they are the government.

Company response to consumer: Closed with explanation