BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-10
Company: LDF Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I took out a loan for XXXX. I called today which is XX/XX/XXXX to find out what is my payout amount and date since they have taken the information off their website. At first she told me that I had 2 more payments and the last payment is on XX/XX/XXXX, I told her that that does not equal to 2 payments, that equals to 4 payments, then she changed and said the last payment is on XX/XX/XXXX. I requested to see the documents but they are telling me they are going to forward it to another department and I should receive the information via e-mail sometime today or tomorrow. There is a lot of inconsistency with the business attempting to get more money from me. Again, they have blocked me from seeing the information online on their website, such as the loan documents, ect. I just went on their website and at the bottom I noticed is states that it don't give loans to people in Virginia, Well!! I am in Virginia. something is not right with this company!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: JPMORGAN CHASE & CO.
State: WA
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:
I had fraudulent charges show up on my Chase Sapphire credit card that someone made in store at various stores between XX/XX/2019 and XX/XX/2019 : REI : {$520.00} XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX I have never been in these stores during the dates. My credit provider Chase investigated and concluded they can not determine if it was me or not so I am liable for all charges. Problem is they did not actually contact the stores or investigate anything, they simply determined I was liable without a real investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-24
Company: Frontline Asset Strategies, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive been called by a local phone # XXXX too many times to count dating back to probably XX/XX/XXXX or XX/XX/XXXX. I answered once in XX/XX/XXXX and drew the conclusion that it was a spam caller and asked them to not call again. Calls started back in XX/XX/XXXX and, after denying the calls several times, I picked up the phone on XX/XX/XXXX to remind them one more time I did not want the calls. During that conversation, the lady proceeded to tell me that she was calling on behalf of Frontline Asset Strategies. She said my husband and I opened up a credit card in XX/XX/XXXX and, because the credit card company didnt receive a payment, the account became delinquent in XX/XX/XXXX. She then said it was charged off in XX/XX/XXXX and sold to XXXX XXXX XXXX XXXX. She claims her company is working for XXXX XXXX in order to collect the debt thats owed in the amount of {$3700.00}. She asked me to pay that debt while on the phone with her and when I told her no, she asked me to call her back. I asked for her # and she gave me a number other than where she was calling from. She gave me XXXX XXXX. She said her name was XXXX. I am reporting this as a debt collection scam because my husband and I never opened up such a card, yet her company continues to call. She called again on XX/XX/XXXX at XXXX and XXXX and then again on XX/XX/XXXX at XXXX. This caller needs to be investigated and prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019, i tried to make a transfer for the amount of {$600.00} into my XXXX XXXX account. Paypal says it went through.However, i never received any money into my bank account and now XXXX XXXX is telling me they never received it. It's been close to three weeks, and neither paypal or XXXX XXXX has been able to help, and they're telling me to check with the other, but all im getting is the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-10-07
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-10-07
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ON XX/XX/2017 I received an offer from XXXX XXXX at XXXXXXXX XXXX XXXX. The offer was clearly stated a monthly charge of {$25.00} for 24 months ( contact attached ). After hookup, I started receiving invoices from XXXX for {$40.00} a month contrary to the contract ( invoice attached ). I called XXXX on many occasions, but they refuse to change the charges. I paid what they were asking for the fear of damaging my credit. After about a year, I request for the service to be disconnected for not holing their end of the contract. They billed me for the balance of two years and later sent to collection. I wrote to the collection agencies explaining my case. XXXX refused to change their position. Now the collection has been reported to the credit reporting agencies and damaged what was a perfect credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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
Consumer complaint received 2018-03-16
Company: First Advantage LNS Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never contacted by collection agency, XXXX XXXX XXXX XXXX, or original creditor, XXXX XXXX, about this false debt - {$8000.00}. Original creditor had received a judgment against me on XX/XX/XXXX for {$640.00}. I attempted to get the judgment set aside 3 years later when I discovered original creditor had been paid in full by my housing agency but was sent to mediator instead. In XXXX, I had submitted an application for a new apartment and was shocked when declined due to an outstanding rental debt. 

The original creditor had my current address due to the court case I filed in XXXX. The collection agency would have validated my address as well. I was NEVER contacted by either party about this $ XXXX debt because I do not owe it. XXXX XXXX submitted this false debt simply as a way to retaliate against me because I disputed the original judgment. In meditation I let slip that my husband and I were trying to buy a house. XXXX XXXX was forced to report the original judgment as satisfied, thus removing it from my credit file in XX/XX/XXXX. 

XXXX XXXX was never awarded a judgment against for {$8000.00}. Arizona Courts will only award landlords actual delinquent rent amounts + damages + attorney/filing fees. Arizona legal statues prohibit landlords from being awarded " future rent for rentals that may be rented again. '' When I disputed this debt as " not owed, '' " never notified, '' & " illegal '' the credit reporting agencies claimed this debt fell within FCRA criteria and has maintained it on my credit reports thus preventing me being able to rent a place to live, resulting in my homelessness for 1.6 years!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I was charged me undisclosed {$10.00} for a incoming international wire transfer dated XX/XX/2018. This is the second time I was charged an hidden fee by chase. Last time it happened on XX/XX/XXXX. I had contacted them without resolution. I had to file a complaint with CFPB ( XXXX ). One explanation I was given by chase customer representatives were the fee was charged by sending bank. This is a lie because 1. The sending bank is in XXXX, they charge any fee, it would be in RMB not us dollar. 2. {$10.00} is no where near what the fee sending bank charged ( about XXXX RMB ). Chase executive office response was that I'm responsible for fee but not telling me what fee item this {$10.00} was for. As premier Chase account holder, Chase charges {$0.00} fee for incoming international wire. So please tell me what fee item this is for and how it is calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HIPAA violation no knowledge of the fraudulent collections medical bill on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: WELLS FARGO & COMPANY
State: OR
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:
Our Wells Fargo mortgage was initially being reported as included in our bankruptcy. We submitted a dispute as it was not included in the bankruptcy and is still an active mortgage account we make payments in monthly. XXXX deleted the account as the solution. It is now no longer showing on our credit report and should be to reflect our ongoing payment history.

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 2018-06-20
Company: Dovenmuehle Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/18 two payments were made accidently to my mortgage company by me. One was for {$1000.00} which is the full mortgage amount and the other one was {$550.00} which is half my mortgage. I called them immediately to notify them I would need the {$1000.00} credited back to my account as this was an accidental payment on my part & that I would be paying split payments for {$550.00} each. 

I was given instructions on how to request this amount back in writing and I sent the fax in right away. 

That was XX/XX/18, today is XX/XX/18 and I am still waiting for my money. I have talked to numerous staff members, as I have called daily & several Supervisor 's. Each time I call, I am given different information. I chose this company because I am a Veteran and was told they " take care of their Vets ''. I am extremely disappointed in my dealings with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: MIDCOUNTRY FINANCIAL CORP
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:
A loan was taken out on XX/XX/2014. The last payment received was XX/XX/2014. This company has been reporting missed payments past the 120 day mark for the last 5 years hurting my credit even further. They have kept the account open, updating the balance due to interest accumulation that shouldnt of happened. There are several different balances showing for the payoff using multiple services for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: NJ
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:
RE : Illegal Reinsertion and Deceptive Collection Practices Dear Legal Team, The collection previously deleted by XXXX XXXX XXXX  has been illegally reinserted using false, deceptive and misleading practices. 

XXXX XXXX XXXX commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX  XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

Please 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 2020-12-16
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: Account information incorrect

Complaint:
Submitted check for auto payments XX/XX/2017 for over three years of payments XXXX XXXX claims I was late the next three months I have copy of canceled check cash by them for over XXXX XXXX dollars?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Caliber Home Loans, Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on the sale of my home on XX/XX/XXXX. The title company representing the buyer ( True Title Company ) sent a payoff check via XXXX overnight to Caliber Home Loans on the same day. The check was in the amount of {$170000.00}, which was the amount stated on the Payoff Letter provided by Caliber with a good-through date of XX/XX/XXXX. 

The payoff check was received on XX/XX/XXXX - confirmed both by XXXX tracking as well as Caliber themselves. Caliber returned the check to XXXX XXXX XXXX that same day, citing a payoff shortage. AT NO TIME DID CALIBER CONTACT ME. 

This in spite of the fact that the payoff check was sent with a letter from me, instructing them to deposit the check even in the event it was " short '' for any reason. 

XXXX XXXX did not process the return of the check ( which was sent only via standard USPS mail ) until XX/XX/XXXX. At that point XXXX XXXX contacted Caliber to demand that they honor the original payoff letter. Again, XXXX XXXX 's check was returned to XXXX XXXX - and only then - on XX/XX/XXXX - did Caliber contact me. 

XXXX XXXX finally learned that the reason for the shortage was a payment to my insurance company 4 days prior to my closing ; Caliber never updated their payoff statement. 

In the end, to ensure that the lien was paid off for the new purchaser, XXXX XXXX paid off the home loan for {$170000.00}. XXXX XXXX is now requiring that I cover the shortage in the payoff from the date of closing through the date of the original rejection letter - meaning I owe XXXX XXXX {$680.00}. ( XXXX XXXX has agreed to pay the remaining balance for the time it took to contest the short payoff ). 

Caliber 's behavior has been unacceptable. They : - failed to honor their payoff statement ; - failed to follow my signed, Letter of Direction ; - failed to contact me in a timely manner ; - caused me a monetary loss of {$680.00} ; - caused stress, time and other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV, XXXX To : XXXX Dispute Department 1. DELETE XXXX  XXXX XXXX XXXX because of multiple inaccuraciesXXXX 1. it is a closed account that is still reporting current activity with failures to pay reporting in the Payment History section of this list on '' XXXX ``. 2. TranUnion is reporting that his charge-off Updated on XX/XX/2019 in the Status Updated section of this listing. However, XXXX is reporting that this charge off updated XX/XX/2019. in the Status Updated section of this listing. Which is it? This account is inaccurate. Please Delete Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Included is my dispute letter and a copy of my State Id, Social Security Card.

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 2021-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am currently having an issue logging on to My Equifax to see my credit report and also by using 3rd party companies to see my Equifax report. I was able to see my reports before XX/XX/XXXX and all of a suddenly I can not. I need equifax to fix this issue so that I can see my reports again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am writing to request several credit inquiries that were unauthorized be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of 18 inquiries that I did not authorize. They are as follows : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8.  XXXX XXXX XX/XX/XXXX 9.XXXX XXXX ( 2 ) XX/XX/XXXX XX/XX/XXXX 10.XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX ( 5 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 13.XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XX/XX/XXXX 16 XXXX XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XX/XX/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 2019-08-27
Company: EQUIFAX, INC.
State: AR
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:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, NV, XXXX To : Equifax Dispute Department 1. DELETE XXXX XXXX, XXXX  XXXX because it Unknown and it has been re-aged to stay on my credit report longer. It was reported on XX/XX/XXXX Since then it was updated to XX/XX/XXXX. The company is required to enter a notice of dispute as required by 623 of the FCRA and neglected to enter it within 3 days. Please Delete I take this matter very seriously. Because of your apparent neglect in ensuring that everything on my credit report is 100 % accurate, complete and timely. Please Delete.

Included is Equifax Dispute Letter and a copy of my State Id, Social Security Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
# XXXX, has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may no treat a payment on a credit card XXXX account under an open end consumer credit plan as late for 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 explanation