BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: EQUIFAX, 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:
I have a signed legal deferment document from XXXX  for my XXXX and XX/XX/2020 payment. XXXX reported to all three credit companies that I was late for XXXX. 
I contacted the lender directly expecting to resolve this issue. After several attempts that resulted in no answers, ignored phone calls, and a lack of professionalism ; I was told by a representative that while under their system I was " current '' XXXX  would not change the " late payment '' report from my credit. 
I proceeded to start a dispute with all three credit companies. I mailed the deferment document to each, along with my request. 
XXXX  's results corrected the XXXX payment and updated it to " paid-on-time. '' XXXX XXXX  results denied my request and the XXXX payment stayed as " 30-days-past-due. '' Equifax results not only denied my request but it now also shows XXXX AND XXXX as " 30-days-past-due. '' I have spent hours collectively speaking with both the lender and the credit companies ( XXXX, Equifax ). I have a hard time believing that a legal deferment document has not been honored by these entities. The two credit bureaus told me all they could do is take the information provided by the lender as facts. 
XXXX  needs to be held accountable for not only providing different information to each credit bureau but also for not honoring a signed legal document. 
When this company belonged to XXXX I never had an issue. The newly called " XXXX  '' lender does not care that it services military members and is quick to take our hard-earned-money, yet, it will not uphold its standards to the law. 
This is the first time that I asked this company for a deferment as COVID-19 has left a great financial impact on my family. 
This lender evidently does not care about my financial wellbeing whatsoever. 
My next step is to take legal action against this company if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Open Dealer Exchange, LLC
State: PA
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:
I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my consumer report unless otherwise noted in section 604 of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a credit card and they continue to try to take money from an account I no longer use. I asked the bank to close the account last month and they refused. I have called several times to dispute the charges with the last call being today @ XXXX. I have asked the credit card company to show me in the card agreement where it says they have permission to attempt to take money multiple times and no response from them either. The credit card company has been trying to take money multiple times a week since XXXX XXXX, XXXX. I have tried many times to stop it to no avail from the card company or the bank. After the call, I tried to chat with the bank only for them end the chat on me. The credit card company has attempted to take {$100.00} on all of the following XXXX, and XX/XX/XXXX. They attempted to take {$190.00} on the following XXXX, and XX/XX/XXXX. The bank is not covering the amounts and then turn around and charge me {$37.00} every single the credit card company tries to get money from the account. I have tried to dispute the charges multiple times and the bank will not allow me to do it. So they have charged the {$37.00} at least 6 times and that is {$220.00} they are trying to get for free. I have tried to resolve this multiple times only to get nowhere with the credit card company or the bank. This is not right for a bank to continue to do this to their customers. I have told the bank at this point they refuse to help stop the credit card company from trying to take money, so refuse to pay their " fees ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: SYNCHRONY FINANCIAL
State: MD
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, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit pan as late for any purpose.

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 2018-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX an employee of the Bank of America XXXX XXXX XXXX sent an international wire to XXXX XXXX without first negotiating the correct bank and its destination. The Funds Transfer Request Authorization transaction form records that funds of XXXX dollars were sent mistakenly to XXXX , an " additional '' or intermediary bank. THE final destination, a building society XXXX, however, was not written into the transaction at all. XXXX only uses XXXX as a clearinghouse for large automated tasks. The employee ignored the absolute necessity of listing two banks. Rather, he omitted XXXX, and gave the name and account number directly allocated to XXXX and its enormous headquarters in XXXX. This account number and name would only have legitimacy or meaning at XXXX XXXX XXXX, and not at XXXX XXXX main headquarters. On XX/XX/XXXX, after our trip, we studied the form and agreed to cancel the transaction using the Bank of America collect call overseas number on our FTRA form. We called again on XX/XX/XXXX and XX/XX/XXXX, but the transaction had not been cancelled because of their completely new requirement for XXXX to respond to their faulty wire transaction. We needed to explain repeatedly that we do not have an account at XXXX, and insisted that the error be corrected and our funds returned. On XX/XX/XXXX we have yet to ascertain the situation, although our funds have been " floating '' or " on hold '' now for 19 days because of the seriousness of the bank error. To prove our affiliation we have a checking account, checks, debit card and credit card with the correct XXXX account number ; XXXX is simply not able to recognise this transaction.

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 2018-02-19
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:
This is for my XXXX XXXX XXXX ending in # XXXX. 

In order to business with XXXX factories from the USA ... the only payment method is Credit Card I had a {$4000.00} balance on my cc with a $ XXXX line of credit. 

I borrowed approx. {$2500.00} as a cash advance from XXXX. The next day I paid back {$5000.00} in cash to XXXX ... double what I borrowed. 

The cc company applied the $ XXXX I sent in to pay back my other cc balance, paid less than half of the cash advance balance ... and charged me ( and are still charging me ) the huge interest rate for the cash advance ... even though I paid back actually more than twice what I borrowed. 

This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: I.C. System, 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:
On XX/XX/XXXX I sent a dispute through XXXX  about a Company Showing up on my Credit Report 4 times ( I.C. SYSTEM, INC ) for {$480.00} dollars, but the company states info accurate

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 2018-02-19
Company: ERC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX- I mailed letters to XXXX XXXX requesting debt validation. Each time I was sent a copy of a bill from XXXX. I requested proof that i was the party to pay this debt, and requested proof that there is some contractual obligation binding me to pay, or something that bears my signature. I stated in the letter dated for XX/XX/XXXX and XX/XX/XXXX, that this was not a request for verification but a request for validation. 

I requested the following items : -agreement with the client that grants you the authority to collect on this alleged debt -agreement that bears the signature of the alleged debtor where he/she agreed to pay the creditor -date alleged debt became payable -date of original charge-off or deliquency -verification that debt was assigned or sold to the collector XXXX XXXX has failed on 3 different occasions to provide me with this information. 

Under the FDCPA, I have the right to debt validation. It is the debt collector responsibility to prove the account is really my responsibility and that the balance is accurate. In addition, the collection agency must also prove thaey have the legal right to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
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:
greetings, I have been trying for the past year to get these credit reporting companies to remove inquiries that are being reported on my credit file due to fraud and they still have not done anything about it at all. I am a XXXX percent XXXX veteran that was living out of the country and yet they was items reporting on my credit profile. I don't need a car and yet they are tons of inquiries about vehicle purchases, loans etc. I don't have the luxury like others to pay a repair company to fix my credit especially when it is not my fault. 
I know that they are doing a business and that they are hurting individuals badly, with that being said my credit score has suffered drastically because of the wrong report on my profile and now I can not even get a VA loan to help my family and put a roof over their head. 
They are still reporting accounts that have been closed and that was fraudulent for years, i need help on suiing them because that is the only way they will listen and do their job nd remove these items from my credit profile asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My escrow payment is {$100.00} and my principal and interest payment is {$110.00} which is equal to {$210.00} this is my payment should be. The rushmore company is charging me {$270.00} which is {$55.00} more. Please have them correct the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX  filed sue on XX/XX/XXXX spoke with them on Friday XX/XX/XXXX, advising that correspondence needs to be resent. I havent received latest correspondence with offers. The law firm handeling the amount quoted a different amount of 900 plus which was not same amount in sue. Im currently waiting on sheriff to serve papers.i spoke to someone today XXXX to claiming to be consumer employee stated my account originally opened in XXXX XXXX purchased it my originally agreement was with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion  has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-02-08
Company: CITIBANK, N.A.
State: PA
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:
I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my consumer report unless otherwise noted in section 604 of FCRA.

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 2021-02-08
Company: ERC
State: FL
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:
Received a phone call from ERC wanting me to pay for a past due bill from XXXX. 
Tried keep me on automated system. before finally having to wait for a operator. 
Wanted my social security number. Wouldn't give it. 
Said the were trying to collect a debt from XXXX. 

Called on XX/XX/XXXX @ XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
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:
I had an account with XXXX XXXX XXXX  ( account number XXXX ). This account was charged off. The first delinquency was prior to XX/XX/XXXX. I disputed this with the creditbureaus and Equifax left it on my file. Even the last activity date reads XX/XX/XXXX ... and though that does not represent the last payment date ( which was earlier ), it still falls within the credit bureau guidelines for using 6 years and 9 months for obsolescence periods.

I WANT THIS REMOVED AS PROVIDED IN FEDERAL LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was Sued By collection company own XXXX with no verification own the debt I have sent verification letter certified own XXXX for them to show me proof of debt and debt amount. They harassed me with several phone calls and they also showed up to my house and had a conversation with my son who has XXXX  needs and ask him information about me. XXXX or XXXX have not responded to my dispute letter that I sent certified I sent the first letter XXXX no response I sent another dispute letter own XXXX no response I need proof this is my debt and the amount..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Seems that during the COVID 19 pandemic the credit card company 's are lowering credit limits on top of balances. Account in good standing, never late as a matter of fact have no lates on credit report. Had a XXXX balance on a Discover Card with a XXXX limit. My statememt this month shows me having a XXXX limit. 

This has major impacts on credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls 5 to 10 times a day every day, I have repeatedly told them when I am able to pay I will call them and do not call more than once a day for the past month.

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 2021-02-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 file a dispute in regards to incorrect items on my credit report, It has been well over 30 days and i haven't received any investigation results.

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 2018-02-19
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am uploading my tax information regarding the loan. 

The interest rate stated is 6.8 %. I still owe about {$3200.00} total. Somehow, they were able to extract {$810.00} in interest payments over the last year. The only way they could do that is if they were still charging me interest on the full loan amount as if I never made any payments ( originally about {$8000.00} XXXX. I do not think they are subtracting what I've paid from the loan amount before applying interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a XXXXXXXX XXXX XXXXXXXX MasterCard credit card on XX/XX/2018. Card is issued by XXXX XXXX. I was promised a {$45.00} sign up bonus which I never received. Contacted Bank numerous times including XX/XX/2018. They said they will NOT give me the bonus. I believe this is fradulent behavior.

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 2021-06-23
Company: Agency of Credit Control
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have reached out to this company to advise them that this account is invalid it was previously being reported by a company called XXXX XXXX. I disputed the debt because it does not belong to me. All 3 credit bureaus removed the account because it could not be verified. This company AGENCY CREDIT CONTROL now has replaced the same invalid account on my credit profile. This account should be removed at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XX/XX/21 at XXXX XXXX, I received an automated call from XXXX advising me that my XXXX credit card had been charged {$700.00} from a location in Ohio. The message instructed me to follow various teleprompts if I disputed this charge. I immediately ended the call and contacted a customer service representative via the number on the back of my credit card who notated my account and later sent an e-mail providing this hyperlink.

Company response to consumer: Closed with explanation