BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-01
Company: Capital Management Services, LP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company Capital Management Services Collections Agency is currently harassing me having people claim to be officers call me. Stating that they have legal documents to serve me with court dates. I called them and they did not want to provide me with the documents they claim to serve with me with. I am not going to pay for something i do not have proof of They stated they attempted to come to my home which is a XXXX, never left any notice or anything. They would have found me at home since I am not working and am always home. I went to the my county court and they told me I had no open cases and that what they are doing to me is illegal. The debt they are trying to collect is old and does not even show up on my credit report. They are harassing me and my relatives and this needs to be stopped. they fail to provide me with any information but still have people claiming to be officers call me everyday, it is very scary and unlawful.

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 2017-07-12
Company: GREAT LAKES
State: NH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The complaint deals with XXXX XXXX XXXX, a company who claimed they were the Department of Education when I called for student debt relief. <P/>I went on XXXX to search Great Lakes Customer Service to see if I could get relief for my loans in XXXX since I was unable to afford payments. The number of XXXX XXXX XXXX was listed first and listed under Great Lakes Customer Service. Originally was told XXXX was the Department of Education Was told in XX/XX/XXXX I would not need to pay any money and be on income based repayment Received consolidation form ( apparently I need to consolidate before going to income based repayment ) Two payments of XXXX and another payment of XXXX was pulled from my XXXX XXXX XXXX checking account. XX/XX/XXXX got an email from Great Lakes saying I owed the full amount for loans XX/XX/XXXX, applied for Income Based Repayment myself Attempted to reach XXXX for weeks - no answer XX/XX/XXXX Attempted to email XXXX XXXX XXXX and was refused, they were not accepting any emails to that inbox Submitted a complaint on their site, and finally got a phone call Finally got someone on the phone Said they consolidated The only way to get income-based is to consolidate They told me that in XXXX, the amount I owed Great Lakes was only interest XX/XX/XXXX Spoke to XXXX from Great Lakes No consolidation is needed to qualify for Income Based Repayment Full amount owed - not interest Spoke to XXXX from Great Lakes Consolidation was part of Income Based Repayment, though unnecessary. Great Lakes received Income Base Repayment form in XXXX filled out consolidation and income I filled out in XXXX XXXX XXXX XXXX XXXX XXXX ( where the money was taken from ) Disputed the charges since it was difficult to get ahold of them and what I paid for was n't done. <P/>XX/XX/XXXX Called XXXX for follow up XX/XX/XXXX Received call from XXXX, reason of complaint was never filed Unsure if file made it to supervisor Said if I filed charge through the bank, there was nothing they could do Told me I should be thankful for their help. ( " You did n't go into debt because of our program, you went into debt because you took out a loan for XXXX XXXX XXXX dollars ) Was unwilling to listen to my arguments, interupted every time I tried to explain my problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: JPMORGAN CHASE & CO.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
Please see attached files. Basically Chase is refusing to believe that a fraudulent charge was made on Credit card and they have made me make the payment which is illegal. Attached are the details of the situation and I have obtained police reports to show that this charge was made by someone online who used my credit card information ( they used XXXX for a grocery order at XXXX ) for an amount of XXXX on XX/XX/2021. I have submitted another complaint and could not figure out how to amend that complaint with some additional information I am attaching here on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: KY
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 sent several disputes in the past to have the Public Record of a Bankruptcy ref # XXXX removed from my credit reports due to being inaccurate. I contacted XXXX to dispute the information as well. XXXX removed the information from my consumer report as of XX/XX/2021. XXXX, XXXX and Experian have failed to remove the inaccurate information even after multiple disputes and despite the furnisher of the information " XXXX '' deleting the bankruptcy ref # XXXX from my consumer report. The latest letter sent to all three bureaus to exercise my rights under XXXX  XXXX ( XXXX ) ( XXXX ) ( XXXX ( XXXX  ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information... ect. Neither XXXX, XXXX, nor Experian have provided me this information in the XXXX day time period allowed and am making this complaint to show XXXX, XXXX, and XXXX by not affording me my rights under the XXXX or deleting the information 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 2018-01-30
Company: GREAT LAKES
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I couldnt afford to immediately repay my student loan payments due to being laid off at my job right after i stopped attending colllege. On top of my financial harship I was dealing with the XXXX of my father which also caused a loss of income in our household.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
State: LA
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:
During XXXX XXXX XX/XX/2020, my mortgage company ( XXXX ) allowed forbearance, due to the pandemic. I was granted forbearance during XXXX, XXXX, and XXXX. In XX/XX/2020, I paid the past due amount and became current. I notice that my credit score was reduce because it didn't show that payment was received by my mortgage company during the months of forbearance ( XXXX ). I told XXXX  the reason I did not make the payments and they refused to add my credit score back to where it had been.

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 2023-04-11
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries that are invalid and incorrect on my credit report XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto 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 2022-02-12
Company: Experian Information Solutions Inc.
State: RI
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 XXXX I XXXX XXXX the consumer, sent XXXX, XXXX, and EXPERIAN ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or XXXX  I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX & EXPERIAN 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 2018-12-03
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent multiple dispute letters requesting verification of the debt. Letter sent on XX/XX/2018 and XX/XX/2018 only to receive notification that the letters were received. Verification of the debt has yet to be provided and this outstanding debt is continuously causing negative impacts to credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was offered a no interest slate credit card by chase bank it was opened for only 1 month and they closed the account on me and destroyed my credit scores I had a XXXX and it dropped by 62 points because chase closed my account. Chase customer service will give me no reason why! I abided by all their rules

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: EQUIFAX, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have notified Equifax twice that the inquiries that are on my credit report are fraudulent inquiries that were not authorized. I have sent several letters to Equifax by certified mail, yet the inaccurate information, remains on my credit report. These inquiries add a hardship and my rights were violated by Equifax. I ask that CFPB help me make Equifax stop victimize me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We sold a lop top computer on XXXX  and payment was made through PayPal. The funds should have been available immediately, but PayPal would not release the funds and instructed us to ship the item ( {$1200.00} value ) to the buyer. 

The item was shipped, received, and positive feedback left by the buyer. PayPal would still not release the funds, would communicate through only through text and would not allow a phone call, hanging up each time an attempt was made to contact them via phone. 

After 30 days had passed, we reached PayPal by calling from a different account, and we were able o reach them. After over an hour of explaining the issue and arguing with PayPal staff - they agreed to release the funds. 

However, when we attempted to transfer the funds to our bank account, PayPal claimed there was a " problem '' with the account and STILL is holding the funds. This computer was sold so college tuition can be paid, and PayPal is illegally restricting access and and is discriminating against a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: RENASANT CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recently filed some disputes as well as a Compliant with my bank due to the unauthorized transactions as well as recent returned checks and inappropriate fees assessed and overall mishandling of my account .. I rarely cause issues and am rarely overdrawn in my account. As a result of me decision to stand up for myself and advocate for myself the bank has now closed my account. No reason given. The hardship this is creating was unnecessary. My bank account is in good standing 99 % of the time .. for this to happen bc i made a complaint or a little noise in order I get my money back ... is just horrible customer service and truly unethical. U have been with Renasant for years. My money is automatically deposited and I thought until recently we had a good relationship XXXX the fact I justifiably complained and disputed recently shouldnt mean that they just shut me down completely. But there is nothing I can do about it and Im sure it will be very hard for me to open another account.

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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 sent several disputes in the past to have the two accounts reported under Credit Bureau XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX  XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information 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 non-monetary relief
Consumer complaint received 2019-10-08
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I need statement copies for my checking account with TD Bank, now closed. These documents include from account opening until closing. These are needed for accounting purposes and in a paper format, not file. TD Bank marked my prior request as duplicate when in fact it is not, any prior statements received in the past were since discarded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Company: Experian Information Solutions 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 status incorrect

Complaint:
The Credit Bureaus have a late payment on my account that is reporting incorrect. I started this investigation with them XX/XX/2021. I still keep getting the same response. I need these items on my credit report updated.

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 2017-12-31
Company: EQUIFAX, 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 information incorrect

Complaint:
I opened an account XXXX/XXXX XXXX on XX/XX/XXXX and amount on the account was maxed out at {$1000.00} for a purchase made for {$1500.00}. I paid {$590.00} and the XXXX card was for {$1000.00} which was the limit. It was disputed to the Credit bureaus on XX/XX/XXXX and my credit score dropped down. I made payments 0n XX/XX/XXXX for {$300.00} then on XX/XX/XXXX payment of {$300.00} and on XX/XX/XXXX made a payment of {$100.00} showing a balance of {$300.00}. As of XX/XX/XXXX the XXXX/XXXX XXXX  account on both XXXX XXXX and Equifax show that account with a balance of {$1000.00} and no payments having been made. My credit score has not changed. The XXXX Card shows that I have a balance of {$300.00} and three payments made. That does not show up on my credit reports. I have refinanced my mortgage with XXXX to XXXX XXXX and there is no record of that. XXXX was closed on XX/XX/XXXX and the new mortgage with XXXX XXXX does not show up. Why are the Credit Bureaus so quick and lower your scores but do not seem to correct them as soon. Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
1. I have never had accounts with this company DEPT ED, REMOVE from all credit reporting agencies that's reporting. 

2. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You are Dept ED the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B ) ( 3 )

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 2022-02-28
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debit and I don't know what it is. I have never had XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief