BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-19
Company: JPMORGAN CHASE & CO.
State: NY
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:
There had been fraudulent debits occurring on my Chase checking account. Chase refunded money the first time and recommended I close the account. Upon going to close my account, Chase told me my new account was to be downgraded and now subject to a monthly fee and lower interest income so I opted against it. The fraudulent debit has returned under a different merchant name and Chase is putting liability on me. Not only can I not contest, but I also have to pay for a stop payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-27
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a small payday from a XXXX XXXX  company called Bridge Lending last XX/XX/XXXX, and have had issues repaying the loan ( due to financial hardship ). 
Finally, in XX/XX/XXXX I received an alarming phone call from an unidentified local number, ( XXXX ) XXXX ; the message left by this process server basically threatening to show up at my job, or at my home unless I contact the client to settle immediately, which I did. I was unable again, to make the payment of {$240.00} that I had scheduled with this collections firm, who goes by the office of XXXX, ( telephone XXXX ) ; they did extend the scheduled payment to my next payday. I contacted XXXX back later that week, to make an arrangement for partial payment, as I was not able to make the payment for the full amount. I was denied a payment arrangement. The payment of course was not able to be processed on the scheduled date, and I was contacted immediately by another process server, who left another startling message on my phone. I contacted XXXX again, only this time, I was yelled at, berated, and threaten by office manager XXXX who stated that no arrangement would be made, and the case has been refiled ... this is not how I believe legit lenders, collection agencies and process servers do business ... in addition to filing this complaint, I have decided to seek legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: JPMORGAN CHASE & CO.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I initially filed a dispute for the XX/XX/XXXX Charge from the XXXX XXXX for {$250.00} as I did not stay at the hotel the date of the charge XX/XX/XXXX. One of the hotel managers XXXX XXXX had canceled my stay due to issues with the hotel not providing services as agreed, not providing a reserved room or honoring the best rate guarantee. I provided my correspondence with the hotel general manager,  the original reservation showing an 839sq ft cool corner suite reserved which was not provided. Additionally, I provided information showing the XXXX XXXX was not honored either. All of these issues led to the hotel and I deciding to cancel the stay. 
On a letter dated XX/XX/XXXX Chase states they sent me a letter requesting more information. This letter requested information which had already been provided when initiating the dispute. Thus despite having not fulfilled the reservation, been a guest of the property and providing evidence to my claims, Chase still found the charge valid. As I was not a guest at the property there should be no charge, especially if the reservation is canceled by the hotel themselves. In this regard, Chase failed to adequately investigate or provide a compelling reason or documentation as to why the charge is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019 I contacted Pro collect via chat to attempt to negotiate a settlement amount. I was advised that was not possible because their company does not provide settlements. I was told to pay the balance in full and given payment options ... I disconnected the chat ... I proceeded to go online and make a payment of {$180.00} plus the company charges a {$7.00} processing fee bringing the total to XXXX to be deducted out of my checking account.. I was called this morning XX/XX/2019 on my new telephone number that they shouldn't of had and advised that I had a balance of XXXX from an old apartment and that I've made {$660.00} worth of payments in XX/XX/2019 and XX/XX/2019 ... I was told that the payment of {$180.00} that I made online would not be processed because I have to pay the full balance of {$1300.00}. I told them I don't have the full balance.. The representative then proceeded to tell me in a very rude way that I needed to make that payment now or he would mark my account as refusal to pay. I made payments and attempted to make a payment yesterday and this morning I was advised my credit report would be marked as refusal to pay and that's not fair.

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 2019-09-27
Company: United Revenue Corporation
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:
Despite several written requests to United Revenue Corp, the unverified item still remain on my credit report. I have been dealing with them for over a year and they have come back to state that they have verified the item and it is indeed mine, also that my claim is frivolous. I have written to them ( United Rev ) to show proof of verification, also who verified it? They have not done so and I have been more than patient with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: AFNI 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:
I have 3 things on my credit report that I want to dispute. 

I have an account with AFNI, INC reporting that I owe the amount {$1200.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/2014. 

I have an account with XXXX XXXX reporting that I owe {$220.00} to a cable or cellular company. My credit report shows that this account was assigned on XXXX XXXX. 

I have an account with XXXX XXXX that shows that I owe the amount of {$750.00}. My credit report shows that I opened this account on XXXX XXXX. 

I will need written contracts with my signature showing that I agreed to open these 3 accounts and pay these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
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: Information belongs to someone else

Complaint:
I have been the victim of ID theft most of the items have been resolved except the one item still on the report : 1 ) Chapter XXXX Bankruptcy Docket # 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 2018-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX, and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late four times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with 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 a previous issue with XXXX XXXX, Experian, and XXXX. There has been several issues with this account. XXXX does not own this account I have contact the corporate office of accounts, there was no account found to update. Somewhere there is a disconnect in information and communication. I am failing to understand how there can be an updated on an account when XXXX is claiming they do not have the account in their office. I do not believe that XXXX XXXX, Experian and XXXX have actually done any type of simple or detail investigation. I have asked to have the status deleted from my profile deleted not updated with a bogus balance adjustment. This account need to be deleted until further noticed and proper noticed can be account for.

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 2019-09-27
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent 3 certified return-receipt letters over the past 6 months to Ally financial to dispute an item on my credit report ( one late payment that is affecting my credit score ) and have never received a reply to my dispute. They have exceeded the 30-45 day window to respond to my multiple disputes.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I am reaching out because transunion has allowed for this account by the name of XXXX XXXX XXXX XXXX to be added onto my credit once again without my written consent after it was removed because it was not my debt. The fact that this was just deliberately thrown back onto my credit is negligent and if not taken care of i will sue, i am also request that you verify who this debt belongs to in accordance with Title 15 U.S Code section 1681i. This completely violates my rights and shall be corrected immediately. I kept record of this account being removed for my protection in case their was any future misunderstanding, i also have record of my disputes that i have sent to transunion as well.

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 2017-12-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear..ma am or sir. Imsending this e mail..because i feel my application for modification wasn t..handled in a fair and just manner ... i was told i sas denied the modification because they didn t receive all my documents..i was never notified about the modification being denied or the foreclosure or the sale of my property..until.another party came to my property and told my tenants not to communicate with me and mot to pay me any rent they currently not accepting any documents..or giving me a chance to redeem my property my name is XXXX XXXX loan # XXXX the address XXXX XXXX XXXX XXXX XXXX XXXX ph XXXX XXXX XXXX your urgent response to this matter would be greatly appreciated. Sincerely..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
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 have been working to build my credit over the last year in order to secure business funding for my growing company. I recently took out a home loan 5 months ago and had gotten my score to over 768 points with Experian the primary bureau that business funding looks at. 

When I went to apply for the much needed business funding, I was informed that I was denied due to my Mortgage loan reporting a 30 days late in XX/XX/2019. This dropped by score below 700 which was the minimum requirement for funding ... I called the company administering the loan " XXXX XXXX  '' and found that my loan had been sold to their company and that they would be my new servicer of record. This was fine, but I was not past due and they admitted on a recorded line that they had made a mistake. They told me it would be resolved and updated. 

I also submitted a dispute with Experian directly as to ensure that XXXX XXXX would be held accountable. I was notified this morning however that XXXX XXXX " validated the 30 days late '' and Experian denied my dispute and will continue to report the late. 

I have since this morning re-disputed the item with the 3 major bureaus and written my 3rd email to XXXX XXXX support with no replies. 

I have drafted a letter of complaint that I will attach outlining the facts and details of my situation, but ultimately they have reported in error and it is impacting my life dramatically. 

Please help me get this resolved! 

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 non-monetary relief
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My Fair Credit Act Rights have been violated by Transunion and XXXX XXXX XXXX, The reporting agency and creditor keep reporting false infomation. I've sent 2 letters to the creditor asking for verifcation with both being returned due to inaccurate address being reoprted on Transunion file. A creditor has to maintain accurate information on file with the credit agency, XXXX XXXX XXXX   violated those rights also. I demand this account be removed immediatley from my Transunion file. No creditor or reporting agency has the legal right to report false information. To make matters worst Transuion sends a letter stating they will not reinvestigate this matter again, when it was never investigated the legal way. I've been dealing with this issue since XX/XX/2017. My next step will be legal actions against both companies, if this matter is not 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 explanation
Consumer complaint received 2018-03-19
Company: AR Resources, Inc.
State: FL
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:
I have no idea who AR Resources is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AR Resources is indicating that an account with the account number XXXX  was opened with their company in XX/XX/XXXX and account number XXXX  was opened in XX/XX/XXXX. I never opened accounts with them or anybody else. These accounts must be a result of identity theft or someone opening accounts in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AR Resources as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AR Resources } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AR Resources, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: DISCOVER BANK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
In XXXX or XXXX of this year, I negotiated with Discover Loans {$30000.00} over 3 years to consolidate my debt. Although the monthly payment was nearly $ XXXXmonth, it was doable. In XXXX, my husband passed away, and due to a law in XXXX, because I was a XXXX, I am not entitled to his Social Security benefits, thus my income dropped by $ XXXX/month. I immediately called Discover Loans and explained the situation asking for an extension to 6 years ( I understood that would increase the percentage on the loan ), and they refused stating that their policy is that the loan needed to be " 6-months '' old before a modification could be made. I explained that I could not afford the monthly payment and didn't want to default or ruin my credit rating, and they still refused to help me. I ave been paying on the loan, albeit less than the {$1000.00}. I wrote the president of the company and he referred me to XXXX XXXX, in their consumer advocacy division. She has called me monthly to tell me there is nothing that can be done. Now they are charging me additional interest, monthly late fees, and have further suspended charging on a Discover credit card ( which is my lifeline, and I certainly have not been charging frivolously on it ) which has always been current. I don't think my request was unreasonable, but I do feel their punitive measures towards me have been.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Every single day since XX/XX/XXXX, there have been several calls to my phone number. Yesterday, Sunday XX/XX/XXXX, I received 22 phone calls from them after on Saturday XX/XX/XXXX they were told I had XXXX XXXX and it was not known when I could pay. I am in a hospital right now and can't have my cell phone on because it is ringing soooooo much from them. I have never been late or missed a payment until this month, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
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:
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I have obtain copies of the allege bankruptcies in my name : ( XXXX ; XXXX ) But after carefully reviewing them I notices that the signature appearing in them is not mine, I'm sending a notarize letter with my signature to verify that these items you have listed in my credit do not belong to me and these document can not validate this account because is not my signature there. 

It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

response within two weeks from the date you receive this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've communicated with Portfolio Recovery several times regarding the alleged debt ; whereby I informed them the debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AS Astra sent documentation affirming debt of XXXX however failed. ( 1 ) They failed to validate acquisition price paid and incurred expenses ( my new liability to AD Astra as a debt buyer ) to justify continued collection attempts. This is my right. Otherwise, ( 2 ) this is an active attempt to collect usurious interest as defined by the RICO statue by pursuing of collection posted to all my credit reports impacting my credit score ( 3 ) and Failing to consistently report the same data to all bureaus, date of debt varies as reported to 2 agencies. My new liability is estimated to be less than 50.00. Unreportable in this circumstance.

Company response to consumer: Closed with explanation