BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-27
Company: ENCORE CAPITAL GROUP INC.
State: IA
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 received a letter in XXXX of XXXX .I replied back certified mail stating I wanted proof of debt. they sent me a letter stating they were going to initiate an investigation and take it off my credit report on XX/XX/XXXX. I never got any information back they continue to send letters I continue to send letters via certified mail and I have all the copies of letters from me and to me, and now they are suing me without giving me any of the pertinent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX   - partial account number XXXX.  (Please see pages 11 and 12 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Thank you for your quick response. However, in the complaint, you have XXXX as the company I am complaining about. See below : " What company is this complaint about? 
Company Information XXXX '' This should be Everhome/Everbank/TIAA. 

As I stated in my complaint. It started with XXXX, but when they transferred my loan to Everbank, Everbank added the {$500000.00}, instead of subtracting it. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company is sending out mass mailers telling people/implying they will be arrested if they do not pay. Aside from the fact that the debt isn't even valid, I'm shocked at being threatened with arrest unless I pay out. This company sends out so many of these mailers that I have another one for an entirely unrelated person that was also mailed to my house!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: National Credit Adjusters, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance to the fair with the fair credit reporting act.the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 15 usc 1681 section 602A states I have the right to privacy.. 15 usc section 604 a section 2 states states a consumer reporting agency can not furnish a account without my written permission. 15. Usc 1681c a 5 section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years 15 usc 1681s-2 a1a.a person shall not furnish any information related to a consumer to any consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .this account was fraud I provided documents to show I was XXXX  at the time this account was openedXXXX XXXX XXXX XXXX XXXX XXXX open date XXXX close date XXXX this account was opened up fraudulent ly the fraudulent department at XXXX  XXXX contacted me we determined I wasn't the person tht opened this account they quickly and diligently closed the account before it could be used but the refuse to remove it after several attempts on my part to get them to do so.account XXXX XXXX XXXX XXXX account open date XX/XX/XXXX close date XXXX this is my account someone made fraudulent charges on my debit card my payment for this credit card got declined I swiftly fixed the issue with my bank made the payment the credit card balance went to XXXX immediately the XXXX  company said I committed fraud and closed the account it shows a XXXX balance but they refuse to remove or make it non derogatoryXXXX 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 non-monetary relief
Consumer complaint received 2021-11-10
Company: AES/PHEAA
State: FL
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing lates for the month of XX/XX/XXXX to XX/XX/XXXX and in the month of XX/XX/XXXX to XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Late/Close XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} Late/Close

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: LA
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, XXXX Account # XXXX and XXXX XXXX account # XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Nelnet, Inc.
State: AL
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:
XX/XX/XXXX, Nelnet purchased two of my student loans.  I was in deferment at the time.  In XX/XX/XXXX Nelnet reported to the credit bureau I was late on my payments.  I never received information regarding the purchasing of my acct.  My one phone gets about 20 robo calls PER DAY.  I have had to ignore/turn off for peace of mind.  If they tried to call I probably couldn't tell due to the tobo calls.  I discovered Nelnet when I obtained a credit report.  Contact with their acct resolution is did not get the info corrected and stated they cannot correct the credit info.  I would have to have a complete XXXX  discharge that dated back before the report to the credit bureau occurred.  That I signed a paper in XX/XX/XXXXthat I would keep the loaner informed with contact info.  I still live here but phone ??????  Being under impression that I was in deferment......am I to call the lender each week to make sure they have not sold my acct?.  I don't know how students can keep up with so many companies and transfers in the mist if so much fraudulant companies taking advantage of us....especially XXXX yr old ones.  Something needs to be done to clarify who is who and companies responsible for taking deferments with their purchases or alerting the consumer.  Now I have 7 to 10 yrs of bad credit from it.  I trusted the system when I filed for the deferment to keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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:
upon reviewing credit reports from all 3 agencies I noticed a bunch of unknown inquiries that are on my report and remain on there even after numerous disputes. I am beginning to think the credit agencies are ignoring my requests by taking shortcuts and not actually verifiying info because I keep getting the same generic answer for every dispute despite not being provided any documentation or proof such as forms with my signatures or authorizations. 
the following inquiries are as such transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been trying to get Chase Credit Card to fix the amount they just threw in cash advance, when I never had a cash advance sine XXXX of XXXX. They also juggle the amounts back and forth in that area and I believe it must be so they can charge higher interest. I have all my statements, and did an audit and not only are the amounts ridiculous, I notice they did this also in XXXX. The XXXX started out with an amount of XXXX, and is now XXXX? I have photographed a few statements that shows the amounts bouncing back and forth. One month XXXX the next XXXX, the next XXXX and so on. There has got to be a law against this. I am wondering how many customers they are doing this to.. Do I have to start a class action to get this remedied? I see where they have been sued for everything but this, and it seems it started just about the time they were caught on other descrepencies. Please advise. I also just received a notice that since my interest was low, they are raising it 5 %. Are these guys loan sharks in sheeps clothing?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
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:
Experian, XXXX and XXXX after dispute for re-aging of account, XXXX XXXX XXXX # XXXX are allowing the re-aging of this account to continue.The date of 1st delinquency on Experian is XX/XX/XXXX.on XXXX and XXXX  IT IS XX/XX/XXXX.The ORIGINAL creditor is XXXX XXXX XXXX XXXX who provided ambulance service on XX/XX/XXXX, on XXXX.The date of service for the charge and the dates of first delinquency are two years apart.The Fair Credit Reporting Act requires accurate, clear and complete reporting.Multiple disputes with the bureaus are quickly " verified '' falsely.The tool of re-aging is a damaging and illegal tool not permitted with statutory damages attached for collector and bureau.I 'm entitled to accurate reporting by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: JPMORGAN CHASE & CO.
State: PA
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:
Transaction date : XX/XX/XXXX Posted date : XX/XX/XXXX Amount : {$80.00} XXXX  : Gasoline Credit card company : Chase I went to get gas at XXXX gas station. The gas station said I spent {$80.00}. They charge me {$80.00} for gas which it is impossible to fill my car with {$80.00}. It would over flow. I called the credit card company and they disputed. and took the charge off. then XXXX charged me again for the {$80.00} and I called the credit card company again and now they will not take the charge because they said XXXX   charged again meaning that the charge is correct. 
The charge is NOT correct. They stole my money and the credit card company will not dispute anymore. they over charged me when put gas. extra {$80.00} would over flow with gas. and the credit card company does not get it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-07
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My Name is XXXX XXXX XXXX, with defaulted Student loan, however l am currently making monthly payment under federal government assisted consolidation program unknown to me .l did not realizes that certain portion of my defaulted loans is with this Allied Interstate Debt collecting Agency, this company started garnishing my wages without proper notification thereby causing hardship on me on my family. this Company refused to work with me despite all my efforts with tears on my eyes begging, this Allied interstate to stop making my life and that of my family miserable, l have two son in college and two aged parents with me. 
XXXX is currently handling my student loans with XXXX dollars month please stop this harassment and hardship allied is mounting on me and my family. 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 2021-08-11
Company: WELLS FARGO & COMPANY
State: NC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 2023-08-14
Company: EQUIFAX, INC.
State: IL
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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Kriya Capital, LLC
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:
Credence XXXX agency has flagged my credit reports 5 times in the last 15 days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Theyre conducting soft pulls of my credit score then flagging it to reduce my XXXX score in an attempt to bully me into paying the debt on file. My credit score has gone from XXXX to XXXX in 10 days due to the multiple flags. Collection agencies are allowed to flag monthly not daily which is an abuse of power and deceptive reporting. Due to deceptive reporting and abuse they should be required to remove the debit or I will pursue filing a legal suit for violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2018-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Payment never late. The amount paid was incorrect, lower than the amount due, because of an error when paying. When the error was discovered, it was corrected immediately. Never late before or since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chime bank consistently goes completely down to where we can't access our funds, make payments, transfer funds, or even see our account information. If this was a one off thing it would be different and somewhat understandable. This happens at least once or twice a month now. Having a banking system go completely down like this is unfair and scary and in some circumstances, significant damage to someones life. Imagine having a job interview and your low on gas on the way there. You stop to get gas with the money in your debit card account but you can't access it and become stuck at the gas station and miss the interview. What is happening is not an oops ... sorry, our bad situation. This is serious and needs to be handled by our regulators that we trust. Letting something like this happen over and over again is not only complete mis-mangement on Chime, but also the regulatory agencies that oversee them. FIX IT. No other banks do this constantly. FIX IT. The most recent date this has happened is today XX/XX/20 beginning around XXXX CST. This can't be allowed to keep happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress