BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Select Portfolio Servicing provided an incorrect payoff amount in a refinance. Since XXXX, 2021, XXXX XXXX and myself have contacted SPS multiple times for resolution. XXXX has evidence of incorrect information being provided by SPS. At this point, SPS is charging me interest for the payoff amount, while the item was being disputed. They are unwilling to remove the interest charges and refused twice the payoff amount originally provided to the title company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Midwest Recovery Systems
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midwest Recovery Systems, LLC is a collection agency from Missouri who is reporting a collection accounts on my credit report with XXXX and XXXX. I am a resident of the state of Colorado. I sent a request to both credit bureaus in XX/XX/2020 and to the company at the same time asking to validate this debt. To this date I have not received a response from the credit bureau or the collection agency. Subsequently, I discovered that Midwest Recovery Systems is not a licensed collection agency in the State of Colorado. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Missouri XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent 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 non-monetary relief
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: MD
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:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My account with Social Security Administration is current and not in collections. I make monthly payments and Experian is not reporting my monthly payment and is reporting account as in collections and past due. Please help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED FOR MY XXXX XXXX  ON XX/XX/XXXX AND XX/XX/XXXX. AND FOR MY BANK OF AMERICA I HAVE LATES REPORTING ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2018-11-23
Company: Credit Central Holdings, LLC
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:
XXXX XXXX XXXX 06 Reported :XX/XX/XXXX Opened : XX/XX/XXXX ( 4 yrs, 3 mos )  Term12 months I challenge the accuracy, compliance and reportability of this listing. 
... grave errorsfalse claims and reportingI want these late payments removed immediately or litigation may follow. This is unlawfulI was always on-time, you have made an error Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
capitol one h as been harassing and delaying removing negative items on my report that have been obtained with out my authorization, this has a negative reflection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, 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:
Re : Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1970 Current Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

DPT EDXXXX {$1500.00} DPT EDXXXX {$3200.00} XXXX  XXXX {$960.00} XXXX  {$640.00} XXXX  {$960.00} XXXX  {$800.00} XXXX/XXXX  {$370.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) {$960.00} XXXX XXXX  {$1500.00} XXXX  {$370.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) {$640.00} XXXX  XXXX  XXXX {$51.00} XXXX XXXX {$140.00} XXXX XXXX {$660.00} XXXX XXXX {$110.00} XXXX  XXXX  {$800.00} XXXX  XXXX  {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, 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:
Equifax, XXXX, XXXX, XXXX  XXXX {$450.00} XX/XX/XXXX, XXXX  XXXX {$610.00}  XX/XX/XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX inquiry XXXXXX/XX/XXXX-XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX-XXXX XXXX -XXXX   XXXXXX/XX/XXXX I sent police reports and they still will not remove victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account was transferred to XXXX XXXX XXXX XXXX account number XXXX the we reached and agreement to settle paid XX/XX/20. Requested they report to vw credit to adjust my credit file not completed to date still shows a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi, I attempted to close my Chime.com, an internet bank account in early XXXX. It is now late XXXX and I've had no success. 

In XXXX, I contacted them by phone and they said a check was already mailed out..wait 7 to 10 days days.

I followed up with email. Please provide a drivers license ... Done.

Next email... please provide a copy of a social security card..Me..nope not sending a copy of my social over the internet ( social security cards can not be used for identification anyway ) Next email... please provide last 4 digits of social done Next email..we need a copy of a utility bill ... sent Next email..sorry the copy is insufficent..please resend with all 4 corners showing At this point, I'm done. They are just stringing me along only to ask for something else. 

Can you assist? 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/18, I wrote a letter to collection agency, Transworld Systems Inc, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX, # XXXX, regarding acct # XXXX, to delete this debt from all 3 credit bureaus since I did not recall the debt. On XX/XX/18, I received a written reply from Transworld Systems stating, " Dear XXXX XXXX : Thank you for your inquiry regarding the above-referenced account. Please be advised that account number XXXX XXXX is closed in our office. Further inquiry regarding the underlying debt may be directed to XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, AZ XXXX. We appreciate the opportunity to respond to your inquiry. Very truly yours, Transworld Systems Inc ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Atlanticus Services Corporation
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I want to make a formal compliant again Fortiva. I made a purchase of a mattress from XXXX XXXX XXXX  store on XX/XX/XXXX and scheduled for delivery on XX/XX/XXXX. I was sold on using this finance company because they offered 6 months of no interest. From the day the bed was delivered I have had issues. XXXX  XXXX  have resolved their issue and Fortiva has not as of yet. First I received an text message saying that I qualified for their match pay program. It says fortiva would match every dollar I paid. I called to in to pay off the balance. As I spoke to the rep, he informed me that I did not qualify for the program. I advised that I was contact via text and told that I was. He apologized and reaffirmed his stance. Then I argued that they should honor it because they contact me unsolicited and offered me this program. I was then offered a discount of 40 % for my troubles. So I accepted it. While in conversation I discovered that from the time the bed had been delivered I have been charged interest. This discover was realized after they quoted me 40 % off of $ XXXX. I advised that I was not supposed to have interest per my agreement. I have reached out to them multiple times to have the interest removed. I advised them that I was interested in paying in full but they had to remove the interest. I was advised they could not do that I had to go the XXXX XXXX. I went back to the furniture store when they reopened after Covid and was informed that though they see that I am interest free for the first six months in their system, they could not assist me because they no longer dealt with the account once the sale was complete. I have been going in circles regarding this issue. I am now extremely frustrated that I am now in collections and this is affecting my score. I am still looking to honor my agreement and pay off the balance. However, I am looking to pay it off at the rate of 40 % off that was offered. But It needs to be 40 % off the original price without the interest and fees that were added. Also to have this collections account completely expunged from my credit report seeing as this was reported fraudulently because I was never billed the correct amount. Even after months of trying to get issue resolved. I am reaching out to you now for assistance seeing as I have gotten nowhere over the past few months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: EQUIFAX, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had my chime debit card information stolen on XX/XX/2020 at a XXXX gas station when I used the gas pump outside. Later that night Wednesday the XXXX of XXXX at XXXX XXXX. I received my direct deposit as I do every week from my employer. At XXXXXXXX XXXX. there was a series of a total of 15 transactions at a atm on the other side of town approximately one hour away from where I live. From XXXX to XXXX XXXX someone withdrew XXXX from my account 13 transactions in the amount of {$83.00}, and a transaction {$300.00}, and {$45.00} transaction. I immediately turned off my debit card. Filed a dispute with chime bank. The day I was supposed to receive provisional credit XX/XX/2020 I received a email from chime dispute department saying my claim was denied. The reason why they denied the claim was for a few reasons. The first was they stated that I had knowledge of a deposit about to be available, which I know because I received one each week since I started banking with them in XXXX of 2020, the second reason stated that I frequently use my card in the area of where the atm transactions were made. In fact like I stated to them I never used my card in that area of town the entire time I have banked with them. Also I told them if I needed that amount of money why would I take it out of a atm in such suspicious increments. The only time I withdrew that amount of money was at a XXXX XXXX XXXX  for XXXX. I disputed there decision and have been getting the run around since the XXXX of XXXX trying to talk to a supervisor about my case and no one can give me a a answer on what is happening with my case and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: MARINER FINANCE, LLC
State: VA
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:
A hard Inquiry was placed on my Credit Reports by these companies without my knowledge. 

XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX Mariner Finance. Llc on XX/XX/XXXX Mariner Finance  on XX/XX/XXXX XXXX Card service on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX - Requested refund from XXXX. Was notified via email that we would receive cancelation quote XX/XX/XXXX - Received Cancelation quote of a refund for {$3700.00} for an original charge of {$5500.00} XX/XX/XXXX - We sent Cancelation confirmation after not receiving a response to our requests for an explanation on how the refund amount was calculated. 

XX/XX/XXXX - We contacted the merchant to ask that our trip be formally cancelled XXXX, XXXX and XX/XX/XXXX - No responses received to the emails sent XX/XX/XXXX - Uploaded supporting documents to Capital One XX/XX/XXXX - Additional documents uploaded. No notification was given that our previous documents were not usable until we called on our own to check on the status XX/XX/XXXX - Another email requesting update sent to travel agency and a generic email was received in response XX/XX/XXXX - Capital One mails a letter dated XX/XX/XXXX that says the timeframe has expired. Called them and said VISA won't accept documents. Contacted VISA and they said they have no limitations or restrictions and I need to contact Capital One. 

The travel agency has received refunds from the hotels/airlines and we have been charged by our financial institute for services which were never rendered. Capital One failed to provide us with timely notice for us to submit documents and on the multiple phone calls that we initiated, never notified us of the possibility that the timeline would not be adjusted in order to accommodate for a lack of response from the merchant. No documentation or notice was provided by Capital One that our original supporting evidence was not enough so that we could provide the necessary documents to resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have 2 attorney trust accounts in JP Morgan Chase Bank. I received an alert of a pending transfer of money out of my account that I did not request. When I called I was informed that there was already one transfer and that the pending one could not be stopped. I was then told that there were transfers on another XXXX account as well. I made a claim for all the transfers. I was provided temporary credit on one account. I then received a letter stating that I authorized the transfer and the money would later be removed from my account. I called the bank several times and was left hold for hours with no response. When I finally had a chance to speak with someone, I was informed that there since I did not change my passwords or sign in from another device, Chase had to close may claim. When I asked for details about the transfer such as from where it was made and it they obtained a code to approve them, the representative stated that she did not have the details. They also do not have any information about the account into which the money was transferred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-07
Company: JPMORGAN CHASE & CO.
State: NC
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:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX Your company is in clear violation of the law. Under XXXX XXXX XXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( XXXX ) IN GENERAL Subject to subsection ( XXXX ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 


XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. 
( XXXX ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( XXXX ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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