BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-03
Company: LendUp Loans LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have been doing business with Lendup.com for some time now and have not had a problem with them except for this month. I established an installment loan with them of {$500.00} a few month ago and agreed to pay payments of {$93.00} per month, due on the XXXX of the month. ( I am on XXXX and get paid on the XXXX of each month ) I signed the agreement in good faith. Yesterday, the XXXX of XXXX, they took the {$93.00} out of my account which caused a negative balance in my account. My bank, XXXX XXXX XXXX, charged me a fee of {$35.00} for the negative balance. 

In addition, I changed my phone number several months ago and have attempted many times to inform Lendup of the change through their contact page on their website. I have yet to hear back from them to get this changed. I can not change the number myself on the account and it is the only way I can contact anyone there. They do not accept calls as they call back when I call. But since they have the wrong number, I can not talk to anyone. Please help! 
Respectfully, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
i told them that i had a financial company working to solve my debts

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 2018-09-13
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  failed to remove a fraudulent collections account from my report even though XXXX and XXXX both removed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Genesis FS Card Services, Inc.
State: OH
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 the fair credit reporting act XXXX XXXX # XXXX as violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 604 A Section 2 : It also states a consumer reporting agency cant furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX ( XXXX XXXX with HSBC Bank ) sued me for an old debt that I didn't know I could dispute and requested payment of exempt funds ( Unemployment Insurance of the State of NJ ) for approximately {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XX/XX/XXXX, I opened an account online with chase number XXXX and this account was closed to suspicious activity the bank didnt said me what happened. I went to the branch to open an account in person they said I need a passport because I wasnt a citizen my passport was expired and I get a new one. I went to chase on XX/XX/XXXX and got open a checking and savings account made {$500.00} deposit. This morning try to use the debit card in my XXXX XXXX transaction was declined I went to app to see the balance and the system show the same message before for account previous locked account locked for suspicious activity. I need chase to be clear and tell me whats go on with my data because I gave all documentation to them including Form XXXX to release social security number verification for my document number when I opened the account in person at branch in addition : Passport, Driver License and Social Security XXXX XXXX I neve get a denial to open account anywhere so believe there an error on chases system and they are hiding something from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Sterling Infosystems Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon receiving my background check I was informed that my name didnt match my social security card. I have proof that this wrong ; since my social security card has the same name as the one given for the background check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: JPMORGAN CHASE & CO.
State: UT
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:
In accordance with the fair credit reporting act XXXX  account # 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Please find attached. Do not communicate by telephone with me I am represented by an attorney. No lawsuits have been filed as of yet. Theres a few issues with this debt and it's collection by PMS. 1. They contacted me on my cell phone using an automated pre-recorded message, which I did not consent to and was for non-emergency purposes ( TCPA ) 2. This debt is the subject of litigation against the original creditor and PMS is attempting to communicate after it is known I am represented by an attorney. Find attached letters, which is a violation of The Fair Debt Collections Practices Act. ( 1692 c ( a ) ( 2 ) After it knows the consumer to be represented by an attorney unless attorney consents or is unresponsive )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Consumer Adjustment Company Incorporated
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert from XXXX XXXX that a Collections account was reported on my credit file XX/XX/XXXX and looking up the info from XXXX XXXX was Consumer Adjustment Company , Inc. I never received any notifications from any company or mailings of validation of debt to dispute. I have Informed Delivery from XXXX that informs if mailings is being delivered and the Company Consumer Adjustment Company violated the FDCPA ( 15 U.S. Code 1692k ). 

When a Debt Collector Can Report Information About a Debt to Credit Reporting Agencies Effective XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. Specifically, before reporting a debt to a credit reporting agency, the debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverable comes back. 

No attempts was made prior to reporting on the Credit file. Consumer Adjustment Company , Inc said that I owe XXXX XXXX XX/XX/XXXX. I contacted XXXX XXXX no as I have not received such info from the Business. I have done Business with XXXX XXXX in the past and the disputed with XXXX XXXX and no Validation of Debt was sent to me. Although they mention I had loans after XX/XX/XXXX. As 1 loan can be taken out at a time after it is paid off with the Company. 

I disputed with the Credit Bureaus and the XXXX major Companies, XXXX, XXXX, and XXXX refuse to delete as Consumer Adjustment Company said the info was correct. 

I emailed Consumer Adjustment Company , Inc on XX/XX/XXXX that I disputed the account. 
On XX/XX/XXXX a response was 2 forms that was sent and that the info can not be deleted from file. I informed that a data breach is in the system because this is not accurate. Consumer Adjustment Company , Inc fails to comply with the rules of the FDCPA and Consumer Financial Protection Act. My info is used into the 3 major credit bureaus and not handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Consumer complaint received 2023-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Please see the attached document describing how I was defrauded out of {$6500.00} by the Bank of America and one of their account holders for the purchase of a vehicle that never existed. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, KY 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
Consumer complaint received 2022-01-25
Company: ENCORE CAPITAL GROUP INC.
State: KS
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 had to file a police report on an original debt from XXXX XXXX that Midland funding has bought. I sent int police reports and case numbers for identity theft and Midland Funding LLc is still furnishing this acct on my report. I have tried disputing in many ways to get this removed and every month it is still updating Im not sure why a fraudulent debt was sold but this is a violation of the FCRA to keep publishing with the bureaus it is a bill for XXXX $ dollars that does not belong to me and I've stated this many times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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:
This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX Balance {$820.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 called and spoke with a customer service agent there at Transunion explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. The representative told me that this information could be deleted once they had an identity theft report sent to them. I have not received anything from this company neither have I applied for anything from them. I have no idea who has used my 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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 filed a dispute pertaining to the incorrect items on my credit report. It has been over XXXX days and I have not 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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1989 Dear Sir/Madam, I am writing in regards to the accounts listed on my credit report. Upon reviewing the report, I have found several errors and inaccuracies that require immediate attention. 



Firstly, I would like to dispute the late payment account listed under my name with XXXXXXXX XXXX XXXX ( Account Number : XXXX ). I have not made any late payments on this account and request that this be rectified in your records. 



Secondly, the charge off accounts with Portfolio ( Account Number : XXXX ), XXXX XXXX  XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX  XXXX XXXX  ( Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX  ( Account Number XXXX XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), and XXXXXXXX XXXX XXXX ( Account Number : XXXX ) are inaccurate and need to be removed from my credit report as soon as possible. 



Furthermore, the collection accounts with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) are also incorrect and require immediate action. 



Moreover, I would like to bring to your attention that I have filed for bankruptcy ( case number : XXXX ) and would request that you update my records accordingly. The bankruptcy case number is XXXX and XXXX. 



Finally, I have noticed inquiries on my report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which were not authorized by me. I request that these inquiries be removed from my credit report immediately. 



I believe that the above-mentioned errors on my credit report have caused considerable damage to my credit score, and I am requesting that they be corrected as soon as possible in accordance with the Fair Credit Reporting Act. Please confirm receipt of this letter and let me know when I can expect a response from you. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I went to prison ( I provided the info to bank of america ) and while incarcerated someone got access to my information. They changed all my info and withdrew all my money. I have been trying to get my money back and the bank will not give it to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: NY
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:
XXXX reporting closed/, paid accounts. These accounts were authorized to delete XXXX continues to see the closed accounts to credit service. This practice keeps my score from increasing and this practice has been going on for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to apply for XXXX XXXX XXXX XXXX ( XXXX ) since XX/XX/XXXX. I originally submitted the XXXX application to XXXX in XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX qualified payments dating back to XX/XX/XXXX, but failed to qualify any of my employment between XX/XX/XXXX to XX/XX/XXXX, and from XX/XX/XXXX to present. My Federal student loan transferred from XXXX to MOHELA on or about XX/XX/XXXX, and on XX/XX/XXXX I uploaded the XXXX form, dated XX/XX/XXXX, with the explanation that the form was not completely processed. When MOHELA processed the form, they marked it as a " duplicate form '' with no action taken. I called MOHELA on XX/XX/XXXX when I received a status notification, explained again that the company did not action the form properly, then was asked to resubmit the form for another review. MOHELA validated my XXXX employment from XX/XX/XXXX through XX/XX/XXXX, but failed to validate my XXXX XXXX XXXX  from XX/XX/XXXX to XXXX. I contacted MOHELA again on XX/XX/XXXX to complain and request they validate my XXXX XXXX service. I was asked again to resubmit the form for review. MOHELA later marked the form as " processed '' with no action. I called MOHELA again on XX/XX/XXXX to complain for a third time. A supervisor in their XXXX Department reviewed the documents I uploaded on the previous occasions, confirmed I completed the forms properly, and was confused on why the XXXX XXXX service was not validated. I was asked to upload the form again, and it is still pending action ( status : processing ). To date, I have XXXX eligible payment, with only XXXX identified as qualifying. When the COVID forbearance expires at the end of XX/XX/XXXX, I will be required to resume payments each month until MOHELA validates my qualifying employment and completes the XXXX application process I started more than a year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was not issued a 1099C " cancellation of debt '' tax form for account # XXXX Since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a 1099C tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA. I have sent two request via certified mail tracking numbers XXXX and XXXX requesting a 1099c but have not received any response to either.

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