BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-14
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX 2017 midwest Recovery placed a derogatory item on my credit report without written notification of debt or attempt to collect a debt. I have no idea what this debt is for nor was I given any written notification of such debt before it was placed on my credit bureau report. This is a direct violation of FCRA 623 ( a ) ( 7 ) ( G ) ( i ). I attempted to dispute the debt through the credit bureaus ; however was told that the debt is valid but I am unable to obtain information as to what the debt is for or given the appropriate opportunity to dispute or pay. Based on my credit report information it seems to be a medical bill ending in XXXX and the lender information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. This is a direct reflection of UDAAP specific collection tactics as I should be provided notification before this is reported or at least 30 days after it being reported of what the debt is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Convergent Resources, Inc.
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 have notified this company, and have gave them signed affidavit, advising them that this is not my 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 2019-11-02
Company: Massachusetts Educational Financing Authority
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX XXXX, a large loan servicer, no longer has an easy way to find the loan payoff amount. They changed their website and neglected to implement a solution that is easy for a customer to find. I've spend more than an hour looking. I've also followed up by sending emails to their customer helpline. 

As a regulator, I hope you'll find it concerning that a loan servicer is making it difficult for consumers to payoff their loans in full in order for them to continue to accrue interest. Whether purposeful or not, I believe action should be taken as this is not the first time the company is doing shady things. Just last month New York sued XXXX, the organization that operates XXXX, over wrongly denying loan forgiveness to public servants.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-06-01
Company: EQUIFAX, 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:
I have been reaching out to equifax about inquiries that were fraudulent and i was told multiple times that this would be fixed and that these inquires would be deleted and that has not happen. This has been going on since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Recovery Management Solutions LLC
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Recovery Management Solutions call me daily from various numbers and area codes. I 've asked them to stop calling and mail me verification of the debt. They refuse to mail me verification. They call daily harassing me and using abusive language.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/31 I received a voice mail from a man that never stated what company he was with and threatened legal action. A few minutes later my father called and said my mother received the same voice mailx then the receptionist at work came in my office saying the same thing. I called the number back and the lady that answered would not give me a name of the company she was with. She stated my case was being processed to file suit against me on behalf of Ace Cash Express. She gave me an outrageous amount yet gave me an offer to settle out of court. 
She stated that once it was filed I " would be located and prosecuted ''. This intimidation and calling my family and work is beyond unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. my credit cards and personal information was used without my permission This creditor is not only reporting fraudulent account but also aware that is account had fraudulent tranactions in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent tranaction and the accounts in dispute. I have never had any goods or services from these tranctions they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. the fraudulent Transactions was {$3100.00} i did not give any permission to charge my credit cards or use my personal for any reason.

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 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have disputed the account, XXXX XXXX, several times with Transunion. The errors have not been corrected and the account remains on my credit report the same way. The account has several missing payments, which is incomplete information. I have pointed this out with documents several times. Still, the issue has not been fixed and the account has not been deleted. This is not fair. The company has to report ALL information. Look at the attached document. You can CLEARLY see the missing payments. The account was opened in XX/XX/XXXX. Look at the open date. However, there are no payments reported until XX/XX/XXXX, which is over a year after the account was opened. There are also several missing payments throughout the reported payment history. Incomplete information is a violation of the Fair Credit Reporting act. TransUnion has allowed this company to continue to verify this incomplete and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: U.S. Collections West, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2018 @ XXXX PST I was contacted by XXXX XXXX XXXX ( XXXX ) XXXX with US Collections West. XXXX XXXX stated that I owed $ XXXX for an unknown debt and that I had a judgment against me and that I needed to set up a payment arraignment. I requested a debt validation and was told by XXXX XXXX that he and the company he represents did not have to provide that to me and which I refuted based on my understand of the FCRA requirements. I told him that I have no knowledge of what he's talking about and that I would like written validation to be sent to me of this debt. Again I was told that I didn't have a right to that, while he implied that my living in Arizona at one point was all the proof that he needed. That I was going to be garnished and that they would continue to come after me for the next 10 years until US Collections West received $ XXXX. He then hung up on me and my subsequent attempts to request a debt validation were refused and I had the phone hung up on in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Experian Information Solutions Inc.
State: TN
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 started this process in XX/XX/XXXXwhen I pulled my credit report and seen all of the student loans listed. Some to XXXX and some to Department of Ed with incorrect balances and incorrect late payments. I started on my journey of trying to get those corrected and disputed with the credit bureau and has been unable to get any assistance the accounts just come back as verified. I contacted both the department of ed and XXXX and I have yet to hear back. All of my loans were closed and refinanced in XX/XX/XXXX into one loan. I was in school off and on through the years getting my degrees and never was our of deferment due to being in school. I have been unable to get any feedback on those late payments for XXXX when I was in school before my loan was sold. The Department of ED shows I have 7 accounts with the same account number of XXXX and 3 with account number XXXX. Some of which show a balance which they should not because all of my loans were consolidated. They all show different open dates even though they were transferred from XXXX at the same time. All of the accounts listed under XXXX show a balance of XXXX and the account numbers with XXXX show a balance of XXXX. I reviewed all accounts with XXXX and I have only ever had one account with an amount of {$5200.00} and only one with {$3100.00}. I am not sure what is going on. they still show balances. Show charged off with balances even though I looked on the XXXX and all of my loans are through fed servicing now. Even though they show charge off they also reported a 120 day late for XX/XX/XXXX even though they were sold at that time. This is all confusing and I have gotten no where with getting any of this fixed. No help from the credit bureaus or the company or the ombudsman from the company. I have yet to hear back on any of my disputes on these issues.

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 2018-03-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have these strange accounts in collections that dont belong to me. 

I fear I may be a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. 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 2020-09-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Today I have paid {$920000.00} for my house I borrowed {$210000.00} in XXXX. 
I paid off an {$82000.00} line of credit in XXXX XX/XX/XXXX payoff {$250000.00} This is {$920000.00} interest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Aldridge PIte Haan, LLP
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
ALDRIDGE P. HAAN, LLP SENT COURT GARNISHMENT ORDER TO EMPLOYER WITHOUT ANY DUE PROCESS OF LAW, ACCOUNT OUTDATED PASS 15YRS OLD NOT COLLECTIBLE EXPIRES STATUE OF LIMITATION OCGA 90-3-23 AND 9-3-25, I DO LIVE IN THE STATE OF GEORGIA LAW SUE FILED, COMPANY VIOLATES FDCPA AND FCBA

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 2023-02-01
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company of XXXX is trying to say I still owe {$1000.00} dollars for the services, which is already paid. Ive paid them and tried disputing the debt from my credit but nothing ever works.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I called Chase to request a loan payoff quote, valid for 45 days, for my primary mortgage. I was told that a work order had to be created, and I would receive the quote in 7 business days. On XX/XX/XXXX, after not receiving the payoff quote, I called Chase. I was told it was done, and that I should receive the payoff quote by XX/XX/XXXX. After not receiving it on the XXXX, I called again. This time I was told they had to send a work order. I then asked to receive it by email and was told that it would be requested. Four days later, on XX/XX/XXXX, after not receiving it by email, I called. I was then told they could not send it via email, but that it would be sent by regular mail. I was also told that I could go to a local Chase branch to have it printed out. I went to the Chase branch on XX/XX/XXXX, and a payoff quote was printed with a expiration date of XX/XX/2019 ... not the 45 days I requested. Furthermore, the payoff quote was incorrect as it reflected a PRA principal reduction amount that has been in forbearance for 6 years. Later that day, I called Chase to explain again that I needed a payoff quote valid for 45 days. I also explained that the PRA principle reduction amount in forbearance should be removed as my account has been in good standing for over 5 years. I was told I would be sent a new payoff quote, but the PRA forbearance amount would not be removed because my mortgage is not an FHA mortgage. I explained that according to the IRS an FHA mortgage is not required to have the forbearance amount reduced to XXXX after 3 years of keeping the account in good standing. I am still waiting to receive the payoff quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received an email Sunday XX/XX/XXXX on my PayPal account of a successful transfer {$610.00}, but I did not authorize/request this transaction. The money had been transferred to a prepaid Visa. I contacted PayPal twice to advise it was not authorized, that it was not my Visa card. Both times they replied that it WAS authorized and they could not refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chase Ba nk USA keeps sending me a request for addition information regarding an AMAZON.COM Visa card that I have applied for with there Bank. This has been going on for several years. They s end the request too an old address where I use to live. I called them and requested that the remove my address from their mailing list. They wanted to give me a credit reporting agency number and Asked too speak with a surpervisior and was told that they would call me back which of course never happened. How hard is it to get removed from someone 's mailing list?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I had XXXX ATM withdrawals that were not mine and I did not authorize. The amounts were XXXX, XXXX & XXXX. The next time I attempted to use my card I had insufficient funds in my account to do so. I immediately contacted the bank and they did issue a credit to my account for the charges I disputed. I received a email today stating that my claim has been denied. The reasons being " Our research shows this transaction occurred with a chip card at a chip-enabled terminal. '' These charges were not mine. I'm not sure how far the investigation went but I was certain that when they seen the camera from the ATM used they would have to realize my claims were justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX ( Sams club ) offers 5 % 3 % and 1 % cashback rewards. The classification of the purchase is not clear, in fact, the original disclaimer referenced how a gas charge may be identified as other ( grocery ) depending on the merchant 's classification. The Synchrony supervisor now states that the products themselves are classified and this will not be conflicting. The process to find out what is really happening is not clear, difficult or impossible. I broke down the classes of charges on one months statement, carefully removed any non-qualifying products ( Sam 's club 's {$100.00} annual membership does not qualify, for example ) and came up with a total reward value of {$63.00}. The bank representative stated that I received only {$59.00}. This is one of the  smaller statements and we have been intending to " spot check '' for a couple years. I suspect there is unconditional deception and want the CFPB to cause a means of identifying and clarifying exactly what is what. I have a scanned example ( breakdown ) of this statement to share. I have posted on XXXX XXXX blog, hoping they would put pressure on the gas industry by promoting those who post their classification code ( s ) and statement, respectively.

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 2017-07-10
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a loan with XXXX XXXX XXXX. I set up and auto-pay online. I assumed all was well until I received notification that my account was delinquent. They never emailed me on this matter even thought they do have my email address. They said they called but never reached me. The moment I found out about this I rectified the issue. Now my credit report shows a 30 day delinquency even thought their website failed to process my auto-pay. I have a 30 year credit history with no delinquencies. I would like this resolved due to the error on their side and their lack of contacting me to give me a chance to resolve the problem prior to going to the credit bureaus.

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