BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-04
Company: JPMORGAN CHASE & CO.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
To Whom It May Concern, I had a Money Wire transaction last XX/XX/XXXX with the Wire Transfer Date of XX/XX/XXXX from my Chase Bank Account to Bank Account ( XXXX XXXX XXXX ) of my Parents in the XXXX.
<P/>
Banker XXXX XXXX has promised to have the money transferred in the next 24-48 hours only. However until XX/XX/XXXX - Date Funds will be available to recipient, the money was still not transferred. <P/> I followed up XX/XX/XXXX and call the Chase Bank Office branch in XXXX in Oregon ( XXXX XXXX ) and found out that the transaction was rejected with no reason or no notifications on my end or whatsoever.
<P/>
I am writing this complaint since this unpleasant service are very impacting on various aspects : 1. My Loan payment in XXXX is now overdue and gaining interest day by day, 2. Part of my money transfer are for my remittances for the basic consumption of my aging parents - medicines, food, house rent.. and lastly 3. It takes a 2 hour commute back and forth for my Parents ( both are in XXXX Years of age ) to go to the bank. They went 3 times last week - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, however fund was still not available causing unnecessary stress and waste of time.
<P/>
Requesting for investigation why I am not notified on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are Student Loans from XXXX XXXX reporting on my credit report. I have tried several times to inform XXXX XXXX these are not my accounts, as well as dispute the information and request verification from the Credit Bureaus, with no success.

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 2020-08-26
Company: Bread Financial Holdings, Inc.
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 have a loan with CCB/DAVIDS, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CCB/DAVIDS, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-04
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX will not remove freeze. I have requested and send proof of id over and over for years now. When is freeze going to be removed. Fail to provide free annual report.

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 2020-09-09
Company: Better Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance through an offer with XXXX XXXX. With this deal I was supposed to be able to get a {$2500.00} credit when I closed a loan by XX/XX/20. 

I am now being told that I am not still eligible for this credit as the company cancelled out my application, not at my request and when I was still attempting to get into contact with the proper licensed advisory. They had me fill out a new application, but are now saying that this is not eligible for the promotion. 

This feels like they cancelled this out in order to keep me from being able to execute on this promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company inserted a debt on my credit reports from  XXXX    XXXX   XXXX   without sending a dunning letter. That is a violation of the FDCPA. Portfolio Recovery has also ran my credit without my permission which is illegal.   XXXX  I DO NOT HAVE A CONTRACT with Portfolio Recovery. They have also inserted  XXXX   XXXX   XXXX  items on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Southwest Credit Systems, L.P.
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:
SW Credit Systems L.P on behalf of XXXX has placed a collection on my account that isn't mine. Its identity theft and I've advised them of this multiple times as well as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have disputed this account with all # credit Bureaus more than once stating that this company is reporting inaccurate information and they still fail to investigate correctly. My response stated that the accounts have been verified as accurate which is incorrect. I also provided supporting information providing proof. XXXX closed my account on XXXX XXXX and did not give me the right to cure my default with them even though they mailed a letter out stating that i had until XXXX XXXX! Is this the type of practice that you guys allow but expect for customers to hold up their contract if they are not holding up to my rights?

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 2018-06-20
Company: CITIBANK, N.A.
State: CO
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/2017, I purchased a trip voucher to XXXX through XXXX XXXX for {$910.00}. A few days following, I had decided to cancel the trip for personal reasons. I contacted XXXX XXXX  to receive a refund and I was told I would not be receiving one. Following this, I contacted Citi Bank, the issuer of my MasterCard credit card, to initiate a dispute. I was in correspondence with them for weeks and provided appropriate documention of my trip cancellation. I was told by several agents of Citi that I would certainly be receiving a refund, so I decided not to worry about the charge for the time being. A few weeks ago, I realized that the charge had not been reversed and my account was accruing interest on it. I emailed Citi once again more documentation of my trip cancellation. Additionally, my sister who had also booked the same thing had her trip 100 % refunded by her credit card company XXXX XXXX without nearly as many issues I had encountered. Anyway, I contacted Citi to get further clarification and was told that I did not respond in adequate time to the dispute though I was not notified adequately that there was a time frame nor was the dispute denied initially. I beleive it is unfair that I am being held accountable for this charge due to the lack of communication, and the fact that I am not receiving any services/products though I have paid nearly a thousand dollars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX I filed a complaint- reference number XXXX against MIDWEST RECOVERY SYSTEMS. In their response to the CFPB regarding this matter they indicated that and I quote, '' Additionally, in this instance a record for deletion has been sent to all XXXX credit reporting agencies. '' On XXXX XXXX, it was brought to my attention that this account is still being reporting to XXXX and this occurrence has been verified by XXXX customer service agents of XXXX On that same date, I contacted Midwest Recovery Systems and I was given an elaborated reason by some XXXX XXXX as to why this account is still reflecting on my credit report. This morning on XXXX XXXX, I call Midwest Recovery Systems and spoke to a XXXX XXXX and I feel that I am being giving the run around. Now I am filing this follow complaint against the Midwest Recovery Systems for clearly providing false information to the CFPB. It seems evident that they have no problem providing false information to a federal institution. This attitude of theirs is further evident in their total disregard of the federal statutes of the FCRA that binds them. The latter is perhaps a reason why I have never received a debt validation notice from them since I started communicating with them. More importantly, after sending them a certified mail requesting for validation of the debt as indicating in my previous complaint they continue to report this account to XXXX and I am yet to receive any response to my debt validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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:
Experian has wrongfully refused to remove incorrect information on my credit report that was provided through fraud by XXXX XXXX XXXX. I proved to the XXXX XXXX County Court at Law 4, that my XXXX XXXX  account was hijacked by fraud in XX/XX/XXXX. XXXX sued me in XX/XX/XXXX for an account I paid in full in XX/XX/XXXX. It was hijacked afterwards. Please direct Experian to remove this fraudulent entry on my credit report. I will attach the documentation. Experian even in an asinine manner told me to contact XXXX, when my attorney has been in contact with them frequently already and they are still reporting incorrect information!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient has harassed me and my co-signer over XXXX situations over and over for years and every time I figure out its an issue from their end and call them out on it they stop harassing for a bit. Now most recently they havent even been reaching out to me, the borrower, instead they just reach out to my co-signer without any attempts of reaching out to me, claiming that my account is past due but in reality it is not and when I call and give them payment confirmation numbers they claim that their system takes a long time to update. Yet they have already taken the money out of my account! This is harassment and they tack on unnecessary fees that dont have any explanation. They need to investigated bc they truly have nothing but Horrible intentions towards their borrowers and all they do is lie and try to steal more money! How does it make sense to never contact the borrower yet harass the co-signer? They have all of my contact information! My account is always up to date but bc of their slow system they claim its past due until I give them confirmation numbers. They have also marked my credit report and Ive attempted to dispute it several times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Experian Information Solutions 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 information incorrect

Complaint:
I contacted Experian asking for accounts to be verified per FCRA Section 609 ( a ) ( 1 ) ( A ) Provide Physical Verification Creditor of the following accounts : Public Record # XXXX ( Not my account or public record ) XXXX  # XXXX ( Account was paid like previous account with this creditor ) XXXX XXXX XXXX XXXX # XXXX ( account was never late ) XXXX # XXXX  ( account was paid in full and never late like previous account with this creditor ) XXXX XXXX  # XXXX ( account was transferred to new creditor and paid in full ) Experian has to provided me the documents I required which is required by law.

I also have returned mail from inquiries on my report which were returned due to incorrect address and when contacted Experian to delete because Ii didn't authorize these inquires and the information they are providing ( the address of the creditor is incorrect ) they refused my copies of returned letters The following Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2018-06-20
Company: The CBE Group, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
According to my credit report, this account, which was paid in XX/XX/XXXX, was opened in XX/XX/XXXX. It was reported as a delinquent collection on XX/XX/XXXX. I have not received any documentation from this company verifying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have disputed this account with all # credit Bureaus more than once stating that this company is reporting inaccurate information and they still fail to investigate correctly. My response stated that the accounts have been verified as accurate which is incorrect. I also provided supporting information providing proof. XXXX closed my account on XX/XX/2018 and did not give me the right to cure my default with them even though they mailed a letter out stating that i had until XX/XX/2018! Is this the type of practice that you guys allow but expect for customers to hold up their contract if they are not holding up to my rights?

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 2018-06-20
Company: Experian Information Solutions 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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with XXXX and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted XXXX  directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with XXXX due to this issue and consolidated my loans w/ another Student Loan company. My XXXX balance has been paid but the late reporting is still showing on all my credit reports.

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 2020-08-20
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The collection company AFNI put a collection on my credit report it says XXXX is the original Creditor. 
The only thing I know is that I was at XXXX and a slick salesman talked to me about a TV service and got my information and when he explained what is was in detail I told him I did not want it and to cancel it. He said he wasn't allowed to cancel it. Then 2 days later a box arrived with some connection box came to my house. I immediately called XXXX and told them the story and told her not to charge me anything and to refund anything they had put on my credit card. She told me she would do that exactly and asked me to send the box back to them with the return label inside the box. 
10 minutes after I talked to the XXXX  representative I did exactly that and considered the infuriating issue to be settled. Now I was looking at my credit report to see why my FICO score had gone down and I found out that I had a collection from them on my report. This is fraud plain and simple starting with XXXX using fast talking salesmen to get you to take a service they offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car in 2015 and it was the 2nd car through the dealership, the first car was broken so I was roped intoo a new purchase of a used car and I'm paying for 2 cars but driving 1. Ally financial has changed my address without my permission ILLEGALLY or my moving so I do not receive correspondences. I have called over a dozen times to resolve the issue, they said an investigation is underway, I ha ent heard anything in over 6 months. They also, never changed my due date when requested and I just feel I'm being completely ripped off by ally AND the dealership. they use racketeering practices and are 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 monetary relief
Consumer complaint received 2018-06-20
Company: Experian Information Solutions 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:
The following company below has placed an inquiry on my credit file that I did not authorize. I no nothing about it and I would like it removed right away. 

Requested on XX/XX/2017 Company : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-11-02
Company: Millco Management
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
No account number or identifying information other than their name and balance of XXXX I have repeatedly ( for months ) tried to contact XXXX ( XXXX ) who is collecting for a medical debt on my credit report. Everytime I call I reach a recording that states that their hours of operations are Monday to Thursday XXXX XXXX. to XXXX XXXX. XXXX XXXX XXXX and Friday XXXX XXXX to XXXX XXXX   and to please call back during normal business hours and I am calling during business hours. I don't even have so much as a account number. I have tried to contact them through a website I found when researching how others have communicated with them at XXXX. There is no email link to contact them with questions, there is not a search available to find your records within their system so that you could research the bill and resolve. I never received communication from this debt collector on top of all of this. How am I as a consumer supposed to validate and get resolution with zero communication with the debt collector.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I advised XXXX that I wanted to stop any automatic withdrawals from my banking accounts on XX/XX/XXXX. Since this time they have taken out four additional automatic withdrawals on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX totaling more than {$600.00}. One of those was taken out even though I had a payment arrangement with them and two have resulted in insufficient funds fees of XXXX each. I am now sharing an account with a family member and did not want them to know about this loan. When I called them and asked how much my original loan was for, how much Ive paid back and what my balance was, they could not give me this information. I had issues with XXXX before and made a serious error in judgment by going back when I was told that things had changed. These errors are their part have resulted in my family member being aware of my loan and of additional expenses. Everything Im telling you can be verified if their calls are recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation