BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-12
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving illegal phone calls from XXXX XXXX # XXXX** with a REF # XXXX. I have requested that XXXX XXXX Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. I have requested the proper documentation several times as original contract with a signature and all related materials. I have received NOTHING! Over 90 days ago, I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far, none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there still is no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: MI
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:
My car was stolen with my personal information in it. I recently have had so many inquiries on my report and XXXX and equifax have failed to assist me ugh getting this fraudulent activity removed. I have emailed multiple letters, I have called and still have received no help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Shellpoint Partners, LLC
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has transferred to different servicers a few times. I had set up bi-weekly payments to reduce my interest burden. 

However, I recently noticed a message reporting partial payments are not applied to the loan but instead held in a separate suspense account until the balance is fulfilled and then it is applied to the balance. 

Is this legal? We live in Hawaii. I would think they must be benefiting from my extra money being held in there suspense account, in the form of interest in their favor. They surely must be generating interest on it. 

This defeats the purpose of bi-weekly payments. This strategy by the mortgage servicer is impeding the client/consumer/home owner from reducing interest on the mortgage and the length of the loan. 

I am very upset to just learn this. I feel this is wrong and should be illegal. It is my understanding that I am allowed to pay off the loan early and this practice inhibits it. 

I am upset.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Experian Information Solutions Inc.
State: FL
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, Experian and XXXX are reporting incorrectly a collection for XXXX XXXX XXXX XXXX, partial account number XXXX. This collection apparently occurred when I had moved from XXXX to XXXX. I called XXXX XXXX XXXX XXXX to close this account because I paid my final bill. I have the receipt for the final bill. I recently checked my credit report and I have a collection with XXXX XXXX XXXX XXXX reporting with all three credit bureaus. I contacted customer service at XXXX to see why they would send me to collections when I paid the final bill and the manger on duty could not verify my address, date of birth, social security number or forwarding address that I provided for the XXXX XXXX XXXX XXXX account for XXXX. The manager stated to me that even though they could not verify any of my information, the collection would stay on my credit report for the next seven years. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint against XXXX XXXX XXXX XXXX, however I was informed that utility companies are not regulated by this Bureau. Therefore, I am filing this complaint with all three credit bureaus for incorrectly reporting this on my credit report. This reporting is harming my credit score. to have these items removed 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 2019-02-24
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For a couple of years now, Penn Credit Corporation out of Pennsylvania has been seeking compensation for a debt that has been settled. In XXXX, I left my previous college institution of XXXX XXXX University. I transferred to my current college institution in XXXX, which required a transfer of my official transcripts. After I left XXXX XXXX, I paid off my tuition to the college as in order for them to make the transfer of my transcripts ( as it demonstrates within their policy ), I needed to have fulfilled my financial obligation with the University. In XXXX, the aforementioned Penn Credit Corporation contacted me stating that I owed a debt. Which is not possible, based on the information already provided. Though they ceased contact after I demonstrated to them twice that that debt was fraudulent, they recently in XX/XX/XXXX, re-attempted to collect money for this fraudulent debt. In my letters, I not only used their client 's own policy, I also informed them that I have my transcripts available ( which I do not have to share based on the Privacy Act ), and I also provided information directly from the U.S. Department of Education. 

Early XX/XX/XXXX, I also reported this organization to the XXXX XXXX XXXX for their tactics and attempt to collect a fraudulent debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: SUNRISE CREDIT SERVICES, INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I need to file a complaint on behalf of sunshine credit services they keep sending me statements claiming that I owe a XXXX Bill 1st of all I have never had a XXXX account I sent this company a debt Validation letter they replied back with copy of some bill statement again I have never had a XXXX account I have asked this company to please send me a credit application that was used to open this account with Signature attached., But that was Not included also this company has been calling a co-workers Of mine at XXXX Not sure how they are getting her number I also asked them to please remove her number from their call list. Also if you have placed any info on each of the credit reports please remove the items from my credit File If you are unable to send me a credit application Please defer this account back to sprint so I can dispute this item with them as well.

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 2020-11-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Wednesday XX/XX/XXXX I received a text from Chase stating my daily balance. I noticed I was negative and quickly checked my account via mobile app and saw there was an ACH transaction for {$1000.00} to XXXX at XXXX. Yes I have used XXXX in the past but I did not make this transaction. I filed a claim with Chase which they denied. Chase 's decision was based on there being 3 XXXX transactions done in XX/XX/XXXX for {$7.00}, {$30.00} and {$15.00} via ACH. Chase advised to reach out to the merchant ( XXXX ). After I hung up I checked my Chase statements and saw the 3 transactions they were referring to and noticed they were all done via debit card NOT ACH as they stated. Also, I did not have to log in to XXXX to make these transactions. I decided to try to get back into my XXXX account which I was successful in doing and changed my password. I saw the {$1000.00} sitting in XXXX but there is a " limitations '' stuck to it which means I am unable to touch my own money. I called XXXX Monday XX/XX/XXXX and stated my issue. After hours on the phone I was advised my email address XXXX is linked to my very old email address XXXX XXXX XXXX that has a negative balance due to XXXX of {$260.00}. I asked what year is the negative balance from and they advised from XXXX. They also advised they have a statute of limitations that states they will not collect any debt over XXXX years old. I was then advised they would work on unlinking the email addresses and it would be done in 3 business days. I then waited until Friday XX/XX/XXXX and the limitations was still on my account which means I'm still unable to touch my own money. I called XXXX Friday XX/XX/XXXX in the morning and they advised it would be completed by end of day. That did not happen. I called XXXX the same day about XXXX and stated my issue yet again, and the young lady that helped me then sent my issue over to the main office where they will determine whether to unlink my email addresses. I also filed a claim with XXXX on XX/XX/XXXX which was also denied. I called XXXX for an update on Monday XX/XX/XXXX and I was advised to wait for a response via email regarding unlinking the email addresses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-23
Company: EQUIFAX, INC.
State: NH
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 been trying to get Equifax to change my credit report accounts that are NOT mine due to identity theft and data breaches, my aliases, addresses I have never lived at, and other SSN 's that do not belong to me since XX/XX/2018. I have sent them my information on five separate occasions and because THEY are spelling my name wrong, the information ( Driver 's License, Social Security Card, Police Report, FTC Report ) NONE of this sensitive information is going into my file. It is being filed as, " There is no credit report on this person ''. 
I want them to CHANGE MY NAME ON MY CREDIT REPORT AND FIX ALL FRAUDULENT ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12
Company: Colony Brands, Inc.
State: NE
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: Problem with personal statement of dispute

Complaint:
I have disputed an account with XXXX XXXX dated XX/XX/XXXX for account # XXXX, requesting any all documentation bearing my signature. Which they failed to do. However in their reply I received back from the company, it shows last payment date of XX/XX/XXXX, along with a transaction summary regarding a completely different account number and name on it. I have also disputed the three credit bureaus which say the account has been verified. I demand that this account be removed from my credit file immediately,

Company response to consumer: Untimely response
Consumer complaint received 2019-08-16
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
A couple of weeks ago I submitted a complaint here against M & T Bank under claim # XXXX. I was informed by M & T that they would be responding shortly. Instead, I received a letter directly from them via a XXXX courier on XX/XX/2019 that they were closing all of my accounts, and not just the one I was lodging a complaint about which included all of my business accounts. 

I feel this is retaliatory and discriminatory because of the complaint I filed against them which was about the excessive overdraft fees that they had assessed against my personal checking account over the course of the year resulting in several XXXX dollars in fees collected by M & T.

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 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2020-11-27
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: Personal information incorrect

Complaint:
my address is not correct the apartment number is not listed correctly and there is a previous address listed that is not mine I never lived there

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 2020-11-27
Company: Receivables Management Corporation
State: SC
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:
I have contacted this company several times in regard to an unknown account they have placed on my credit. I do not know what the account is for. I was never contacted about the debt before it was placed on my credit. I discovered it while reviewing my credit report. I have not heard back from the company Receivables Management Corp- however they bureaus have come back and said the company has verified to them the account belong to me. Again- i have no knowledge of account number XXXX in the amount of {$3800.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX   XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.

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 2020-06-02
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XXXX of 2019 after making large payments to my balance my interest rate was increased from around 10 % to almost 24 % with no justifiable reasoning as I havent been late paying in over two years. Not even when I was late did it increase to such an amount. Also, I called several times to inquire about the reasoning and I was given a poor excuse that they reviewed my account recently showing an increase in usage, but only after I made large payment amounts. The other issue is they are not paying down the highest interest rate balance first causing me, for over a year, to pay more in interest for utilizing my credit card as the balance subject the higher interest only goes up. Now with the current situation my balance is going up more and more because Im only able to pay a few dollars more than the minimum balance. This is an abuse to perpetuate a persons debt to only increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: PENTAGON FEDERAL CREDIT UNION
State: MI
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 XX/XX/XXXX there was in inquiry that appeared on my XXXX credit report that I did not initiate. The company name showed Pentagon Federal Credit Union. I contacted the CU directly and they confirmed that someone had used my name, address and SS number to set up an account. They explained how an investigation could take several months, after which there would be a letter sent to each of the credit reporting agencies to remove the inquiry, however, I have nothing in written, thus no confirmation for the actions and steps that will be taken to have this removed 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 2019-02-23
Company: JPMORGAN CHASE & CO.
State: MO
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 had a Chase XXXX credit card. It was shutdown by Chase for undisclosed reasons. I did not attempt to have this credit card restored. XXXX started providing very favorable XXXX rewards and I did not believe dealing with Chase was worth reopening my account. 

Sometime later I applied for and received a Chase XXXX XXXX XXXX. I used that card for about two months before Chase closed this account in XX/XX/2018. 

Chase did not give me any warnings and I found out this was done while in the XXXX XXXX VIP lounge given to United Chase credit card holders in XXXX XXXX, California. ( You get two passes a year. ) Once I got home in XXXX XXXX I attempted to have this issue resolved. I called Chases customer support and was told they determined to close my account for the same undisclosed reasons they closed my Chase XXXX credit card account. I did not get to speak to the individuals who made this decision directly and told there was no way to escalate my claim any higher. 

I am not sure why my Chase XXXX credit card was canceled. I have not been told. I did use this card frequently and received cash from Chase based on its 5 % cash back on XXXX products. I always paid my bills and have been an exemplary consumer of credit cards. My credit score speaks for itself. 

I would like Chase to allow me to have both credit cards, but at the very least allow me to have a XXXX XXXX   card and if I choose to do so in the future, a XXXX  and XXXX Chase Credit Card. 

XXXX is the primary airlines in my home town and I frequently travel for work. XXXX hotels are also my hotels of choice and would appreciate the ability to someday earn points by having a Chase XXXX and Chase XXXX airline card. Chases postition as the credit card provider of many of my services of choice has made their arbitrary decision to not provide me services very inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: LEXISNEXIS
State: OH
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2018 I sent letters to XXXX, XXXX, XXXX and Lexis Nexis asking for proper verification of a two bankruptcies that on my credit reports. None these companies were unable to provide direct verification from the bankruptcy court of XXXX Ohio. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. In fact XXXX  states on it dispute reports that they use LexisNexis which is a third party to verify this information. Outside of getting dispute results reports back none of these companies have sent me how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation