BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-20
Company: EQUIFAX, INC.
State: MN
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:
Equifax indicated on their website ( https : //www.equifaxsecurity2017.com/ ) that my information was compromised when they were breached. This was reported on by XXXX on XXXX XXXX, 2017 ( XXXX XXXX XXXX ). 

This will require me to spend a lot of extra time monitoring and managing my credit. I will need to freeze my credit with at least three agencies and pay repeatedly to release my credit info every time I sign up for credit. 

My private data is out there due to Equifax, so is also likely that I will need to maintain this increased credit monitoring and freezing for the foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Suspicious activities on my XXXX XXXX XXXX report has led me to believe that someone is utilizing my personal data to open accounts with credit card companies. I would like to file a complaint to have these accounts removed from my credit report. I have included an attachment of all the accounts and new inquiries that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: MNE Services, Inc
State: NC
Product: Debt collection
Sub-product: Payday loan 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 offered to pay in installments but they refused they had to have it all at once.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-08
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX website is not user friendly whatsoever. It will not let you dispute an error. 

I want XXXX and Experian to both investigate XXXX XXXX XXXX account on my credit reports. 

XXXX XXXX XXXX has reported that I am 30 days past due on my payment which is completely false. I have made all payments on time. I want XXXX to make the correction on my credit report as I am not 30 days past due. I have proof from XXXX XXXX XXXX account website that I have made all payments and I am not 30 days past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: HOPE BANCORP, INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 I closed 2 C.D. accounts with Bank of Hope. They were BOTH opened on the same day and matured on the same day and paid the same interest. When I open a new account I use a C.D. calculator independent of the bank 's calculator so that I know what I should get upon maturity. One account ( ending in # XXXX ) was very close, and as an XXXX, I know that was probably due to " rounding ''. I have no problem with this account. However the other account ( ending in # XXXX ) had a substantial underpayment of {$6.00}. 

On XX/XX/2019 I closed 1 account with Bank of Hope resulting in an underpayment to me of {$3.00}. In both circumstances I used a different C.D. calculator to make sure the numbers were correct compared to the 1st calculation I had done and the end result was exactly the same. 

On XX/XX/XXXX, when closing the 2 accounts I showed this difference to the Branch Manager, XXXX XXXX. She insisted the Bank of Hope calculation was correct in spite of the fact that 1 account ( ending in # XXXX ) agreed with the independent calculator and # XXXX was off. There is something wrong with this picture!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX received letter stating that from XX/XX/XXXX to XX/XX/30 if i were to spend over {$550.00} i would receive 20 % extra cashback on top of what already earning. There was a ph # to call and to provide enrollment #. I called and activated it. I made sure to spend enough in XX/XX/XXXX / XX/XX/XXXX to qualify. When called back in XX/XX/XXXX to follow up on the status was told they don'-t even have the record of the letter being MAILED to me. I faxed the letter as advised. Received response in the mail claims I did not active the offer. Again called CSR to rebute but nothing. Hitting a wall. I don't even know how would i proof that i activated. I am on one-rate plan with phone company so I don't even get detailed bill. Yet feel i was cheated. Help? 
P.S. The company recently sent another invite. This time i activated it ONLINE and again today was trying to confirm and the rep did not confirm it saying she has no way to know if I activated one or not. Seems there is a issue with your activation process

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 2020-09-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I track my credit information monthly, and two out of the three companies have my numbers in the 700. One has my numbers in the mid 600. I check my report and they have not updated my payment history in four months. When you go to dispute the information they say the card companies have not sent the updates. How is it the other two companies get the update monthly and this one does not get any for four months. You are directed to contact the credit card companies. I don't think it has anything to do with the card companies, I think it because I am XXXX American and it known that some of us have bad credit but to keep the one down who have fairly good credit is unfair to say the lease.

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 2020-09-20
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection Agency has failed multiple times to send me the requested documentation to verify the debt according to USC Section 809 of the FDCPA, USC Section 623 of the FCRA, and the Code of Federal Regulations 16 CFR Part 660. I  have requested documentation to verify the debt in XXXX of 2020  and of XX/XX/2020 in which this company is now in violation. I did a final request in this month of XXXX 2020 requesting the items below : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide complete payment history, starting with the late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. Copies of all documents and financial instruments used to pay on this debt.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority in your local State and the State of North Carolina to collect on this alleged debt, and proof of acquisition by assignment or purchase.

6. If this debt was purchased a copy of the purchase contract from the original creditor.

7. What did you pay for this account, and how did you calculate the current amount owed?

8. Finally, please provide a detailed list of services performed that represent your alleged balance of {$300.00}.

Therefore, due to their lack of compliance of beyond 90-days without forwarding the properly requested information I'm requesting to have the item removed from my credit report or I will obtain an Attorney for legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare was servicing the loan for my property. I refinanced the home back on XX/XX/XXXX of 2020. Loancare was required to refund my escrowed funds of {$960.00} within 30 days. It has now been 3 months since my loan with Loancare was paid off and I still have not received the refund. I have sent a request/complaint through my online Loancare account message system on 5 occasions starting back in XXXX. I have attempted to call them on at least 5 different occasions as well, however, their phone system requires you to enter an account number. When I enter the account number I am not presented with any options that allow you to speak with a representative. I am unable to get them to respond via their message system or phone.

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 2018-04-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I posted a bed on XXXX  to sell for {$700.00}. This person contacted me via a XXXX  email account and provided a cell phone number to contact them with : XXXX. The deal was that he was going to mail me a check, and I would cash the check. Once the check cleared, he would set up movers to come pick up the bed. He told me that I had to pay the movers for him, so the check he would be sending was for more money then how much the bed costed. I assumed that meant I would pay them in cash. He said he could not come see the bed in person because " he was at distance '' ( he spoke in broken english ). The check was sent using the USPS, tracking # XXXX. Sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX. It arrived on MondayXX/XX/XXXX It was a cashiers check from the XXXX XXXX XXXX for {$2200.00}, and appeared to be real. I deposited it using my Chase Mobile app, by taking a picture. Chase then emailed me that night saying " my deposit had been accepted ''. The funds were made available immediately in my account, so obviously i assumed that meant it had cashed. Then, the person told me that to pay the movers, I had to wire the money to them using XXXX. He told me to wire {$1400.00} to XXXX. My bank, Chase, uses XXXX   for Chase Quick Pay, so I trusted the service and used it. I wired the money and he told me that the movers would come pick up the bed that night. When the money did not arrive right away, he also told me to try wiring it to " XXXX XXXX '', at XXXX. The movers never came, the person stopped responding to me, and then Chase put a " hold '' on my account for {$2200.00}. It turned out the check was a fraud, but it was too late, I had already wired {$1400.00} to that email address. When I reached out to Chase to file a claim for fraud they told me there was nothing they could do because I was the one who deposited a fake check and I was the one who wired the money. It was the perfect scam. XXXX has zero consumer protections in place and doesn't even help you if you used it through your bank, they just refer you to your bank customer service. This article confirms that what happened to me has happened to countless others : XXXX XXXX XXXX  I have screenshots of text conversations, transaction confirms, and bank statements. Please reach out to me with an email account that I can send these too. I am hoping to first and foremost, get my money back, but also find this person and make them answer for their crimes. Finally, I would like to bring to light how ridiculous it is that every major bank in the US ( Chase, XXXX XXXX XXXX XXXX XXXX XXXX  ) provide an unsafe piece of technology for their consumers to use, and provide no additional consumer protections for them if something goes wrong.

Summary of evidence : 1. Phone Number : XXXX 2. Names : XXXX XXXX  and XXXX XXXX 3. Emails : XXXX XXXX 4. USPS Tracking # : XXXX  5. Bank : XXXX XXXX XXXX, Chase, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: General Motors Financial Company, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly attempted to resolve this issue with this creditor GM financial. This company is well aware that this account is a result of identity theft and continues to collect and report this fraudulent account on my credit report. I have contacted this company, disputed this, contacted the credit bureau numerous times, and this company have repeatedly defamed my character. As of today this account still remains in my credit file even tho Ive advised them of the identity theft and provided documentation. I have provided suspect information. Identified the woman XXXX XXXX in a line up at the police department, sent the police report to the credit bureaus as well as this company GM Financial and this company still is violating the law. In XXXX of 2019 this company sent this fraudulent account to a collection agency still attempting to collect on an identity theft account ... I am reporting this company and filing an official complaint as this company will be held accountable if they continue to report this account in my consumer file ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
collection company calling on my cell phone company name : XXXX and person name is : XXXX XXXX number is XXXX and using tax massage number XXXX XXXX : XXXX asking for XXXX XXXX  balance I told so many time don't call my cell phone but still calling 2 or 3 time day and today send me Tax Massage. I don't know about this account and did not verified asking for business account saying but this business being closed and can not verified any claim. 
he is harassing and abusing language. I don't give the permission to call on my cell phone ever think should be done by mail and mail only but still calling on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020, P

ayPal incorrectly closed my personal and business accounts, as well as my wife 's. I am concerned that the closure was both based on false facts and discriminatory banking practices, and perhaps violated my legal rights. No information on the cause of the closure was provided. PayPal is holding my funds hostage for what they described as " up to 180 days '', with no explanation of how this timeline is to unfold. I have offered to provide evidence of all transactions. I have requested a forum to prove the activity as my own, and I explained that I have all accounting records to support the activity. I followed all limits set forth by PayPal in my load and withdrawal activity. I have had no history of negative transactions, charge backs, risky behavior, etc. To date, I have made numerous attempts from within the Paypal account in question to obtain information on how to withdraw any
remaining balances with no success. I have also called numerous times with no success. Per Paypal 's initial email on the above noted date, after the " 180 day hold period '', I would be provided with a follow up and instructions on how to remove my balance. They have failed to do uphold this portion of their own user agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I put in a dispute about the inquiries on my report that is not me and no proof has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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:
I have documentation from the creditor regarding the account with XXXX XXXX XXXX that the balance reported, payment history and date of last activity is inaccurate. The bureau continues to use an electronic system to verify the account without performing a lawful investigation as outlined in the FCRA. The account is updated each month after they have claimed to verify it the month before. I am demanding removal of this account due to its inaccuracy and this companies failure to investigate which is against my rights. The creditor is also attempting to collect more than the balance owed and reported. This reporting is littered with errors that are unacceptable and preventing me from acquiring credit. 

The account is verified as accurate. Continuous updates to the account after they verified several times before that it was 100 % accurate. It can not be accurate when it is different reporting on each bureau and doesn't match my documentation from the creditor. The account type is also incorrect. The most recent update shows that the written off balance is over {$57000.00} when the original price of the vehicle was less than {$30000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/19, I opened up a Chase College Checking account for myself ( account # XXXX XXXX. I did this partly in order to take advantage of Chases offer of a {$100.00} cash bonus. I submitted the required coupon code, and satisfied the requirements that I enroll in paperless statements and complete 10 qualifying transactions within 60 days from account opening. Chase promised to deposit the {$100.00} bonus into my account within 10 of completing all requirements. I have called Chase and visited their branch offices several times in order to ascertain why Ive not yet received my bonus. They told me that they have no record of a coupon code connected to my account and that without such a code, no bonus can be given. This is grossly unfair!! I submitted the coupon code XXXX XXXX XXXX, and have met all requirements. I believe that I am entitled to this {$100.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion has failed to provide online access to upload documents to prove identity theft, refuses to assist customers to complete uploads of documents, provides no fax alternative, refuses to take the information offered, provides a frustrating complicated and incomprehensible process to follow to correct the misinformation, preventing the consumer from offering necessary documentation to correct the errors and fraud. The websites do not function properly, commonly used browsers are not supported and Transunion offers no help or assistance to the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inaccurate account is reporting on my credit file : 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 2017-12-20
Company: GMA Investments, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company identifies themselves as XXXX XXXX. They are calling me from a number with a North Carolina area code.  I called the number to find out who they are.  The number they call from is XXXX.  They have called my mom (who has an NC number) and when she asked who they were, they were verbally abusive to her and hung up on her several times.  I called them and when I asked them what type of business they were and who they were collecting for, she told me that I was talking too much and to shut up. I then hung up the phone. She called back and demanded that I make payment over the phone but never communicated with me who she was, what company she was with, who the original creditor was (if there is a legitimate debt), and any other info.  This is a fake debt collector who is trying to get you to pay over the phone without providing any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation