BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I check my credit report and notice some things that does not belong to me.The account listed below aren't mine. I sent in multiple letters to address the issue, they deleted the accounts but it keeps coming back. haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2020-04-21
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX XXXX/Department Of education and XXXX still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XX/XX/2019 and reported as paid if full on my XXXX, Equifax and XXXX  credit report. ( see reports below ) There was also two recorded calls with XXXX  Manger and Equifax Manger confirming all student loan accounts along with premier bkcrd and XXXX were also paid in full. ( see recording and reports below ) XXXX, XXXX, Equifax, XXXX  and XXXX XXXX/Department of education started to report the accounts that showed paid in full closed XXXX and XX/XX/2019 as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. XXXX and XXXX XXXX has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from XXXX and XXXX XXXX has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent to all credit agencies was too large to load but can be provided with request. 

ALL PACKETS AND DOCUMENTS SENT CERTIFIED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Transform Credit Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I cosigned on a loan for an acquaintance in medical school and now that individual is unfortunately no longer responding to me and I have decided to default in the loan. 

XXXX : I expressly requested via text that the lender not deduct funds from my account XXXX : I was called by TransformCredit to confirm a payment for the collections. I informed the rep that I did not want to move forward continuing these payments, understanding the risk of defaulting. She verified the consequences ( eg litigation, wage garnishment ) and I verbally confirmed and she stated she would remove my bank routing number. 
XXXX : the lender messaged me via email that they would charge my account and to confirm funds. The amount was deducted anyway and I responded on XX/XX/XXXX to request again that they do not continue deducting from my account XX/XX/XXXX : despite the full amount collected ( bringing me out of potential default ) they say I am still at risk at defaulting. At this point debt has been collected. 

I understand my obligation is contractual however I am trying to separate myself from this individual financially. I am so desperate because I can not continue to make these payments. Thank you for letting me submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/XXXX I called for the 3rd time to see if someone would actually be able to help me this time around. My account has been opened since 2018. I am going on 2 years paying this loan in the amount of {$180.00} biweekly. Mind you this loan has a {$12.00} DAILY interest rate. So {$160.00} goes to interest and the remaining {$21.00} goes to my principle. I have made every payment. But now with all of this covid-19 going on my source of income is laying off a lot of people. This is my last week being employed. I called and advised them if there is a way they can work something out with me. I even offered to pay {$1700.00} that's more than half of the loan so it can finally be closed. But no they weren't able to help me with this. After 2 years of paying this loan I am sure I have paid the borrowed amount and a bunch of the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had a promotional 0 % interest rate on my Bank of America credit card until XX/XX/2019. At that point, I changed my payment options to pay the amount due as opposed to the minimum amount. However, for some reason this payment plan did not take effect, even though it still shows that the amount due payment option still reflects on the website. 
For that reason, I am requesting that Bank of America waive the {$95.00} of interest. 
Here is the list of amounts : {$24.00} XXXX {$21.00} XXXX {$19.00} XXXX {$14.00} XXXX {$9.00} XXXX {$4.00} XXXX {$95.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: NJ
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:
The following were unauthorized hard inquiries that were made to my credit report. 

XXXX ( Finance ) XX/XX/2023 XXXX FIN XXXX XXXX Bank ) 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 2021-10-25
Company: EQUIFAX, INC.
State: KS
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT ARE NOT MINE AND NAMES AND ADDRESSES THAT ARE WRONG. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Experian Information Solutions Inc.
State: AZ
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  ; Experian and XXXX  are reporting the incorrect credit limit amounts on the XXXX  XXXX  partial account number XXXX ; XXXX  XXXX partial account number XXXX ; and XXXX  partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This incorrect reporting of the credit limits is hurting my credit score. Please remove these line items from my credit 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 2019-08-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had credit card debt with XXXX XXXX. Both XXXX XXXX and Midland Credit Management were sending me bills at the same time for months. I contacted Midland Credit Management upon receiving notification that they were sending my account to attorney review for a lawsuit. I requested a validation letter. I never received the letter, but received a final notice on the attorney review for lawsuit a few months later. I again contacted the company. They stated they sent the letter XX/XX/20. When I told them I hadn't received it, they told me that they were unable to send another, as it had not been returned to them. The only way to receive another was to dispute my debt with them. I did that. Two days later, they began to call me again. I told them that I had disputed my debt and asked them to stop contacting me until I had received my letter. I still have not received it, and they continually call my phone, sometimes several times a day. It is frustrating in my personal time and worse when I am at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/202XXXX XXXX XXXX XXXX of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

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 2022-11-26
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:
As of XXXX XXXX I started working with an individual to assist on my behalf of A few accounts that are errors on my credit report. It has been almost 10 months and still the same results. These are all errors XXXX XXXX XXXX {$550.00} XXXX, XXXX XXXX XXXX XXXX {$850.00} XXXX, XXXX, Experian XXXX XXXX XXXXXXXX {$470.00} Experian

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 2021-02-01
Company: Sentry Credit, Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I filed a complaint with XXXX  regarding suspicious intent to collect debt not owed. 

On XX/XX/XXXX XXXX  responded stating on XX/XX/XXXX initial notification of deb sent via mail and again on XX/XX/XXXX. 

On XX/XX/XXXX letter failed to clearly state my right to dispute the debt within 30 days and my right to assume the debt is valid if you do not. This violating the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
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: Account information incorrect

Complaint:
My student loans with XXXX  were never in bankruptcy you cant file in student loans. My loans were forgiven due to me becoming totally XXXX  and XXXX XXXX in XX/XX/2007.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: Integrated Recovery Services
State: ID
Product: Debt collection
Sub-product: Payday loan 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:
I have been contacted by this company before. The most recent was XX/XX/17 at XXXX. They do not identify themselves when they call, but they do threaten to have me arrested and they have started calling my family members. In XXXX, I was contacted by them and had spoken to a gentlemen, who again, did not identify himself and he was very aggressive and abusive.I had told him I was working it out on my own. They had my social security number and access to my loan information. I have blocked the calls to my number but they are still leaving voice mails. I do not wish to respond to this organization because I do not wish to have my identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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:
My name is XXXX XXXX I had been using chase bank account ( jp morgen ) they suddenly close my acnt with knowing me they have sent mail why they close but as per they said I didnt do anything or illegal stuff for it they can find out if I did now almost 3 week I didnt get my money back I had over XXXX $ money I linked this account to my all credit card now I dont have any account so that credit card payment is overdraft now when I called them ( end of XXXX ) they said they gon na send my money within 5-7 business days now already 3 week one of my app ( XXXX XXXX XXXX ) I use to send to money for XXXX XXXX I had to pay them XXXX $ now they give my information to collecting services and credit cards overdraft and I asked whats the reason for close it they said this is chase bank policy but I didnt do any wrong I need big lawsuit because I got hurt lot

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX I notified Equifax of an invalid account on my credit file. The account is identified as XXXX XXXX. Under federal laws and FCRA guidelines section 609, I requested Equifax to investigate the account for validation and accuracy. Equifax exceeded the 30 investigation period therefore Equifax is in violation of FCRA section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Northstar Location Services, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Northstar Location Services have called and harassed my family daily. Today on XX/XX/20 they called my mother 3 times. Once she answered they stated they were looking for me and told her that they were debt collectors and disclosed to her how much I owed. Provided her information on my account. Which is so embarrassing. My family lives 900 miles away and this company calls them daily. They have also spoken to my brother aggressively about speaking to me. They have also left my sister voicemails. Disclosing how much they are seeking are a violation of the law. Providing them information and not to me is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: ADP Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
this company is now showing me the process of there investigation there not answering my email requesting provisional credit I know someone withdrew my money from my account. this company only showing me where it was taken from and not proof of the investigation nor will they answer my emails. They only want me to reply to there letters and request but when I try to communicate with them they ignore all my request. Every time I ask them a question they ignore my request. ive called this morning they ignored my questions again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Total Card, 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 information incorrect

Complaint:
This account is reporting a {$540.00} balance to XXXX. XXXX and XXXX show a {$0.00} balance. So I dont know why they are refusing to correct XXXX. This account was charged and sold to a collection agency. The original creditor is not able to continue reporting a balance owed if the debt had been sold to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: IN
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:
on XXXX I notified the all 3 credit bureaus on invalid and inaccurate reporting after over 45 days the accounts are still present on my reports. None of the accounts furnished have my written consent to be furnished. That is violation of the FCRA 15 usc 1681b ( a ) ( 2 ). Also I have medical related accounts being furnished. that is not only a hippa violation but is a clear violation of my privacy which I have the right to according to the FCRA 15 usc 1681 ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Chime that I opened up a checking account. I never did such a thing, and now I am really concerned. I never wen to their site, yet they have my email, and an account was opened in my name. I wrote them, and haven't heard anything. This is XXXX XXXX all over again. 
Why was I not sent an authentication email before this account was created? This seems careless and they need to be regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX I have conducted the payment in the amount of XXXX XXXX  from my account with XXXX to account of XXXX XXXX XXXX XXXX XXXX XXXX opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXXXXXX  XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: ACIMA CREDIT, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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 not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of there alleged debt, nor therefore any such debt, in fact exists

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I told them I paid SPS XXXX in XXXX on a XXXX I took out in XXXX to XXXX I. ask what the balance was they told me XXXX that was more than the original note and I stopped paying them until they forclosed that's when I sent them XXXX and they said XXXX went to interest XXXX went to attorney fees and XXXX went towards principal XXXX and now XXXX XXXX  is doing the same thing they have forclosed and sold my property and. XX/XX/XXXX Is my eviction notice I went from a 15 year mortgage to a 30 year modification there ain't no way this should happen to any one I got a mortgage audit that says they doing some illegal things and I'm not telling the hold story

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