BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
State: CA
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:
I was a part of a multi-state class action lawsuit against XXXX who operates as XXXX XXXX. I was paid out for their gross negligence and was told that the problem would be resolved on my credit report, as to date, if has not. They inaccurately reported my loan as late on XXXX when the loan was paid in full in XXXX. The law suit should have resolved this matter

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 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 reached out to the original creditors and credit reporting agencies to resolve this issue with negative accounts. This is hindering me from buying a home.

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 2018-07-30
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is reporting unfair, and unverifiable information on my credit report, they are stating that I'm in a term monthly with this company. I have rented two property with this company I stayed in Both homes for 1 year only this company unfairly did not returned my security deposit of over XXXX for XXXX XXXX and XXXX for the other home. this company has yet to provide me or prove to me that I owe the sum amount of XXXX for one home and XXXX for only staying there one year in each property. I have contact XXXX  and XXXX to ask them to remove these derogatory remarks on my credit report as it is hindering my credit. There response from the credit Bureau is that the information meets requirement of the fair credit reporting act ). However I still have not been provided any proof after sending several letters asking for this information. I have enclosed some move out pictures from both residents

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Yes I received a letter from check into the cash via postal Service. The letter alleges that I owe him a debt for a loan I took out. According to my knowledge and my records I have not taken out a loan with Check Into Cash since the late XX/XX/XXXX or early XX/XX/XXXX. The letter instructs me to get ahold of check into cash within 10 business days to pay in full a loan that I allegedly took out. If I don't get ahold of them within the 10 days they threatened lawsuit and garnishment of wages. The letter also alleges that they've tried to get ahold of me several times which is not true. What the letter does not say is the dollar amount of the debt and the date in which I took out the loan. I'm not sure what they constitute as reaching out to me on this matter. Because the only contact I've ever had with this company in recent years is to forward emails that I have received from them or someone on behalf of them stating that they are going to sue me because of a defaulted loan. In each case I was contacted by the company themselves and told that it was a scam. Outside of that check into cash has not reached out to me on any alleged debt that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2018 they keep calling every day sometimes three or four times a day.

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 2019-02-02
Company: IQOR US INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX I took out a federal student loan for ( XXXX ) XXXX dollars. ever since XXXX my taxes has been taken. Its been 30-40years and my taxes are still being taken and this student loan has been paid in full 30times the amount. Now this credit bureau is haressing and calling every day and I am not going to pay them when this student loan is over 40years old and the school went out of business. I need help, the name of the agency is Allied Interstate base in XXXX, OH. thanks

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 2019-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this collectors name is XXXX XXXX XXXX XXXX XXXX. i called them and asked them to dismiss charges on account as i have no knowledge of this account. It is identity theft i never opened it. Didnt get anywhere tith them could use your help getting this taken off of my credit report before id die of XXXX. My account is XXXX they are located in XXXX   XXXX XXXX XXXX , XXXX XXXX  ca. XXXX my phone for contact is XXXX the amount is for XXXX they are located headqrtrs is XXXX XXXX   XXXX XXXX va XXXX and there seperate mailing adress at bottom is in XXXX california which leads me to believe this is also sometime of phising scam. the lady on the phone sounded like a complete XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on 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 2021-08-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Im quite aware that I have the given right as a California customer and consumer to make as many payments as I want to any financial institution at any given time, prior to any due payment date. 

However recently their online payment system is NOT allowing me to make payments prior to any due payment date. 

Also, I have encountered several issues trying to make credit card online payments through the CHASE CARD CREDIT SERVICES website : https : //www.chase.com.

The Chase.com online payment system is purposely sabotaging the credit card payment process, by eliminating and NOT displaying the expected payment confirmation page. 

Usually, when I make a credit card payment on the Chase.com website, it displays the following parameters information on its dashboard page : 1. Schedule a payment page, Payment Type, Pay from, Payment due Date, cancel tab, and Pay this bill tab. 

2. After setting and selecting the above parameters, I click on the " Pay This Bill tab and the system is suppose to automatically take me to the confirmation page. 

3. The confirmation page usually displays the following information : " Does everything look OK?, Amount of payment, Payment date, Pay from, Back Tab, and Pay It Tab.

Then I click on the " Pay it tab and the payment is posted.

However, recently Chase.com credit card online payment system does NOT take me to the dashboard confirmation page, and does NOT allow me to finish making my payment. 

The confirmation page is completely empty. It does NOT provide me with the following information : Does everything look Ok?, Amount of payment, Payment date, Pay from. Back Tab, and Payment Tab.

I have contacted Chase credit card credit services by phone at XXXX and spoken with several phone representatives to inform them of the malfunctioning of its credit card payment system and they have provided me with contradicting information on why this is happening. 

They have even told me that XXXX credit card payment system wont allow me to make a payment because I dont have a payment due at this time. 

I know that statement is completely false!!! I have the right to make as many payments as I want. 

I have also contacted them through their secure message system on the Chase.com website and they have not resolved the issue. 

Making these online configurations not accessible to their customers especially under the Covid-19 Pandemic situation, is unacceptable. Chase JpMorgan Bank. 

Chase.com and JPMorgan Bank should be penalized for these fraudulent business tactics against their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
State: CA
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 have a credit limit of {$10000.00} with XXXX XXXX. I took out {$3000.00} to pay for an upgrade in my home. This is the line of credit that is secured against my savings. XXXX XXXX turned me into the credit bureaus as having taken out a {$3000.00} loan unsecured And my credit score has dropped 39 points. Itll take me years to gain the 39 points back. I have already re-pay the {$3000.00}. Unfair reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
This bank is horrible and in violation of the law they treat me horrible I have a credit card that is with their collections and their very rude to me its charged off for months Ive been asking for help I lost my job due to being XXXX XXXX XXXX they dont want to settle with me they give me a hard time and when I called them and asked for a statement to review my balance by law they are supposed to to validate my debt I want to see my balance and demanded they mail me a statement they refused very bad business practice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: United Check Recovery Bureau, 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: Information belongs to someone else

Complaint:
I have made MULTIPLE DISPUTES WITH YOU ALL THROUGH XXXX  AND YOU ALL HAVE YET TO REMIVE THE ACCOUNT OF MY REPORT. I have contacted you all on several occasions advising you to send debt validation or remove item from my credit. This is hindering my score and the debt is not mines. If you all can not and will not provide the REQUESTED INFORMATION remove it from my report or I will now start to take further legal action for incorrect reporting as it is stopping me from what I have planned for my future. REMOVE THIS DEBT IF YOU DO NOT HAVE VALIDATION MEANING SIGNED PAPERS WITH MY SIGNATURE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX DOB XXXX SS XXXX This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, ND XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2021-10-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Prior to XX/XX/XXXX XXXX contacted American Express concerning debit to my card, which showed entries of XXXX penalty for a declined payments-these payments were auto set up and were being paid from my checking account and was being paid up until sometime in XXXX, when subsequently I realized that this debit was occurring, I call AA and was told that they can not waive because MY BANK, in this XXXX XXXX XXXX declined payment. 
I contacted XXXX and they have not record of this decline. Subsequently In frustration with XXXX  reps not being able to resolve, I wrote to XXXX  on XX/XX/XXXX, ( copies of the correspondence and post office receipt is attached ) outlining my concerning, with evidence. To date I have not received any correspondence concerning this issue. 
On XX/XX/XXXX I paid to to the card what I believe I legitimately owes them, and intend to discontinue ANY relationship with them, since it appears that they are treating this matter with utter contempt, notwithstanding, I would like to have this resolved. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The following collection agency has repeatedly contacted me about a paid debt of {$72.00} for XXXX XXXX with XXXX XXXX XXXX XXXX. My confirmation number for the payment to the creditor is XXXX. In addition, the collection agency has reported me to XXXX Credit Reporting service ( and maybe others ) as having a collection account. I have disputed the reported item with XXXX, but the collection agency keeps responding to my disputes that the bill is outstanding. This is inaccurate and unfair information and the collection agency refuses to let it go.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Resurgent Capital Services L.P.
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:
Up on trying to obtain an application for a apartment my credit was ran, only to find that a number of accounts was one my report that does not belong to me or any one that I know. I contact those creditors make them aware that those accounts was not mines but only to get no cooperation from none, this is posing a major problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receivables Management Corporation The third party collection agency has attempted to collect a medical debt, and has sent me an itemized statement with all medical procedures done. This collection agency has violated Hippa, I did not authorize Receivables Management Corporation to have access to my medical records which is in violation and my privacy rights. 
List Date : XX/XX/20 Amount : {$240.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Portfolio recovery associates did not notify me of a lawsuit. Then got a default judgement on a debt that was outside the statute of limitations. Last payment of debt reported XX/XX/XXXX judgement was filed XX/XX/XXXX. XXXX is 3 years in my state

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I fully paid off a loan with XXXX  XXXX XXXX ( XXXX ) on XX/XX/2018. However, I had forgotten to cancel an automatic monthly payment to XXXX from my bank, which made an additional payment of {$82.00} on XX/XX/2018. Starting later inXX/XX/XXXX have made several attempts with XXXX ( 6 times so far via their messaging systems, the latest of which was sent earlier today, as well as XXXX times on the phone ). Despite my repeated calls and messages, XXXX seems to have no coordinated effort in attempting to resolve this issue. Several agents have promised call backs - none of whom have followed through. Furthermore, each time I reach out by phone I have to explain the situation, even though they claim that my account has been " notated '' on several occasions. 

UAS first estimated a 45-60 day from the posting date of the original payment for the refund to be processed. When I called against in XX/XX/XXXX, XXXX claimed that a check had been mailed out to me. I informed them that I did not receive it, requested that the check be voided, and, if possible, for them to directly deposit the refund into my bank account, as they should have the necessary information to do so. It has been 120+ days ; XXXX has taken no action to re-issue the check and failed thus far to provide any satisfactory answer as to why this process has become TWICE as long as their maximum estimated time needed to process a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: GreenSky, LLC
State: NJ
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:
During a recent review of my credit report, I noticed a credit inquiry by GreenSky Installment dated XX/XX/18 that I did not recognize. I contacted the company via certified mail which was signed and received by the company on XX/XX/18. The company replied back on XX/XX/18 reporting that they serviced the account on behalf of XXXX XXXX which I am not familiar with. They concluded their correspondence by reporting that the account was verified. I sent a second letter via certified mail to GreenSky that was received by the company on XX/XX/18. In the second letter, I again disputed the inquiry and requested their verification procedure. To date ( more than 60 days since my last communication and more than 90 days since my initial communication ), GreenSky has not responded to my request for verification procedures and have not noted my dispute on my credit profile, as required by law including for credit inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I HAVE A MORTGAGE LOAN FOR WHICH I MAKE A MONTHLY PAYMENT OF {$3600.00}. 
MY PAYMENT WAS RECENTLY INCREASED TO XXXX MONTHLY FOR AN UNEXPLAINED REASON. I HAVE INFORMED THEM THAT THE INCREASE IS ILLEGAL AND THAT MY MONTHLY PAYMENT HAS TO BE CORRECTED TO NO AVAIL. i NEED MY MONTHLY PAYMENT CORRECTED AND MY OVERAGE PAYMENT REIMBURSED 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 2019-02-18
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In response to letter I sent on XX/XX/XXXX, requesting XXXX Bank preserve all evidence of the theft of over {$900000.00} ( previously reported Bank XXXX XXXX XXXX XXXX XXXX, XXXX Bank closed XXXX other accounts on XX/XX/XXXX without notice and mailed the checks on XXXX or explanation was given. The checks were # XXXX & # XXXX. No previous accounting of any of the money even though the theft was based on perjured statements. The person given the money was not legally entitled to do the job. XXXX XXXX XXXX ( a marketing VP ) apparently actually participated in the robbery. When a audit flaw in procedures was discovered at the bank, it was not corrected. XXXX Bank has either willfully been lax or a participant in these crimes in conjunction with elected officials in XXXX XXXX. All of this apparently was done to cover other crimes at the bank, including loan fraud by XXXX XXXX XXXX. <ref>https : XXXX Auditors made false statements to hide the crimes and were rewarded. This theft has been going on since XXXX of persons accounts with solicitors of XXXX townships.

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