BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: National Collection Systems, Inc.
State: MO
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 had a {$300.00} tuition balance issue from XXXX XXXX College of XXXX  XXXX end up with a collection company National Credit Management XX/XX/XXXX. After finding out about the collection and speaking with the school XXXX and to National Credit Management I was informed that if paid the collection would be deleted off my reports. I paid this debt on XX/XX/XXXX under the condition PAID FOR DELETION. However, this debt still shows as a collection account on my credit reports. I have spoken to National Credit Management and they state I have to speak to XXXX and when I call XXXX  they state I have to speak to National Credit Management. I am getting the run around after I did what I was supposed to do on XX/XX/XXXX so they need to honor their PAID FOR DELETION agreement. I've since graduated from XXXX and now back to fighting this battle to get this handled as accordingly. I have recently written a letter to several directors at XXXX and left a message for the dean 's office since National Credit Management will not do what they are supposed to do. They are the reporting company to my credit reports. Companies should not be able to treat consumers this way. I did my part so their part needs to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TMX Finance LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
We started our Title loan in XX/XX/XXXX for around {$2600.00} we told them we would have the {$2600.00} to payoff in XX/XX/XXXX they said ok that would work, while making {$410.00} payments a month which we agreed to. XX/XX/XXXX came and I called in to pay off the amount we borrowed and they advised me I would need to pay {$3400.00}, that was not what was agreed especially since we were making payments too. They said sorry that is what is due so we've still continued to pay the {$410.00} a month and this summer XX/XX/XXXX I called to see payoff amount and it was even more, how is that possible when I have been making payments I have paid {$3700.00} so far on a {$2600.00} title loan and I am told that the payoff amount will continue to go up. I was never told any of this when we signed the paperwork or I would have NEVER gotten this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
The company advertises a credit card ( Savor One ) with rewards and a cash back offer. The cash back offer is very generous. However, Capital One would never have to honor this offer if a large percentage of applicants are denied. I was denied approval of this credit card despite having an exceptional credit history and score. Within minutes of the declination email from Capital One, an application was submitted to XXXX XXXX   XXXX XXXX for one of their advertised credit cards. XXXX approved the application. 

Credit card application ( ID # : XXXX ) submitted to Capital One on or shortly before XX/XX/XXXX and subsequently denied. 

Called Capital One customer service shortly after XX/XX/XXXX with no positive result. 

On XX/XX/XXXX a complaint was filed with the XXXX XXXX XXXX serving the XXXX, VA area. XXXX ( XXXX ) from Capital One responded to the XXXX complaint with a letter dated XX/XX/XXXX reaffirming Capital One 's position to deny the application. This response to the XXXX was generated after a very brief telephone conversation between me and XXXX with no chance of reversing the decision to deny credit. 

I firmly believe the denial of this application goes beyond information contained in a credit report. One must consider this process as an " unfair and deceptive trade practice '' or some sort of discriminatory practice against retirees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
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: Their investigation did not fix an error on your report

Complaint:
According to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
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:
According to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the XXXX Data Breach.

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 2023-03-02
Company: Resurgent Capital Services L.P.
State: UT
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 XXXX file number XXXX, LVNV funding needs to provide 100 % complete and accurate verification of the documentation submitted to the credit bureaus to verify this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
After multiple of disputes no information provided by the company ( XXXX XXXX ) is matching any of 3 Credit Bureaus .Enclosed is a reply from XXXX . 
Date account opened : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX # of Month of terms : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Activity : 4 different dates, even years!!!!!!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It means XXXX have never conducted investigation and have never responded to XXXX  and XXXX 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that XXXX XXXX refers to!!!!! How do I even know who this account number belongs to??????? 
Immediately delete this account from my credit report according to

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: LA
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:
This XXXX account is NOT mine!! I have more documentation including the info proving that I was a victim of the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: BSI Financial Holdings, Inc.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My trial agreement plan for mortgage assistance began XX/XX/XXXX the 1st trial payment was due XX/XX/XXXX, 2nd XX/XX/XXXX, 3rd XX/XX/XXXX I made all 3 payments. BSI was contacted to inform them I had not received the final modification agreement. I was informed {$2800.00} was being held in a separate escrow account and was not applied to my loan. I was also told by BSI Customer service they did not know when I would receive the final modification agreement. It is XX/XX/XXXX I don not want to lose my home to foreclosure because BSI has not serviced my mortgage loan Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt letter from Credit Collection Services. I called them to inquire about the debt. They stated I owed XXXX XXXX. I immediately called XXXX XXXX times and they ran my name and SSN and stated that I had no debt with them period. I had auto insurance with them and switched my Auto insurance to XXXX. They sent me a refund in the mail for the over premium that I paid to them before switching to XXXX. 

I called CCS back and told them that I DID NOT OWE XXXX any money and I offered to call them on three way so the AGENT at XXXX could tell them that. They refused and stated they did not have time to do that. 

I sent CCS a certified letter stating that I did not owe a debt to XXXX or to their company and to cease contacting me for this debt. They responding by sending me a debt letter from XXXX. Why would XXXX send them a debt letter and not me the allegedly DEBTOR? Makes no sense. 

If I owed XXXX any money and XXXX did not send me a demand for payment or can not tell me that I owe them anything then that is XXXX XXXX decision. I have never done business with CCS who is a bottom feeder debt collector. I do not wish to do any business with CCS PERIOD.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: AMERICAN EXPRESS COMPANY
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
American Express - Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX - Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TransferWise Ltd
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On or around XX/XX/XXXX, my personal information including but possibly not limited to my name, address, phone number, and social security number were submitted to Wise.com, which I understand is a money transfer service. 

Upon verifying that I did not nor have ever done business with Wise.com, I contacted them to request that my all of my personal information be deleted and any accounts open be closed immediately. 

Wise responded that banking regulations require they keep my personal information for 6 years. I explained that I have conducted no transactions with Wise.com and did not authorize their retention of my personal details, and therefore the regulations they are hiding behind do not apply to me. I further explained that I had my identity stolen via the XXXX breach several years ago and that it is critical that my personal information only reside with companies I do business with. Wise continued to hide behind bank regulations, presumably XXXX regulations, which simply do not apply in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-09-26
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was open in XX/XX/2017 an unpaid medical with a balance of {$520.00} I have no contact information I have no idea of what services I received to accrue this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I mailed a validation of debt to the alleged debt buyer, in the letter I made clear what information I needed from them, I also warned them that if they are reporting this debt to a credit bureau that they could be facing legal action, I also demanded that they only communicate with me through the mail system. They have violated my rights by flagging and reporting me to the credit bureau, they continued to call as per proof. This company has a total disregard for my rights as a consumer and do so without repercussion. 
It is my position that since they failed to provide me anything to validate this debt then I do not owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXAccount # 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 a account without my written instructions

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 2021-07-20
Company: AES/PHEAA
State: NJ
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 filed a dispute in regards to the incorrect on my credit and it has been well over 30 days and I have not received any investigation results at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My account with XXXX XXXX XXXX XXXX which was opened in XXXX and closed in XX/XX/XXXX and 100 % paid off keeps reappearing on my credit report even though they take it off and then put it back on.

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 2020-11-28
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been a member of chase for a long time and this year alone they have taken over {$1800.00} in overdraft fees from my account. Recently I have changed my options for overdraft protection since I didn't want my bank to continuously go negative but payments are still being processed when funds are negative and im still being charged a fee for each item charged. I have also noticed my bank rearranges the way I spend so they can charge me more in overdraft fees. Just this month alone chase has taken {$230.00} in insufficient funds. In addition to the rearrangements, their site states I can deposit money before XXXX so I deposit the money to prevent more fees and whenever I am already negative they delay the deposit process to get the fees. The most recent occasion has been these past few days from XXXX-XXXX. On the XXXX they rearranged a charge so that I got 2 insufficient funds fees instead of just one. They also continuously allow my bank to go negative and charge me more fees, I initially thought overdraft protection was there to protect me from overdrafting my account but it only seems like another excuse to keep taking money so it doesn't seem like it matters whether I have overdraft protection or not. I believe this is malpractice and I can provide more information and evidence if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08
Company: Experian Information Solutions Inc.
State: MS
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: Problem with personal statement of dispute

Complaint:
The Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. Bankruptcy Court is not an information provider as we do not report any information to these agencies. Under the Fair credit reporting act, take appropriate action to correct inaccurate information on a credit report. What method of verification did you use?

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 2019-10-23
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX notified PNC via Branch Mgr ( XXXX ) fraud ( to this date no response frm Fraud dept ) XX/XX/XXXX@ XXXX PNC Collection Dept calls me. XXXX states transactions agrees Fraud activities and to call Overdraft Dept its not a Collections issue but Fraud or Overdraft. 
XX/XX/XXXX informed same Branch proof I filed Fraud on PNC acct for XXXX PD. I was informed no documents are available. I was then inform that a dispute for each transaction was required. On XX/XX/XXXXBranch Mgr never informed me of that process. Now on this date my accounts are closed no access!

XX/XX/XXXX received letter of Collection from XXXX ( note : she did call me..and I /called back left a msg apologized as I was short tempered ) DRU P5 PCLC 01 J I'm baffled! And the cedit/charges to the account {$2000.00} spent at XXXX 's in a single day with transaction 's differ by 2cents. No Communications from Fraud Dept.

Company response to consumer: Closed with explanation