BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-08
Company: Experian Information Solutions Inc.
State: TN
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 help CFPB and take this seriously. I have an unverified account from XXXX 's showing a charge off of {$0.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. This has made it difficult to find traditional work and secure credit. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX 's Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them from my credit. Thank you.

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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2018-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
NEED TO REMOVE XXXX XXXX XXXX FROM ACCT XXXX AS AUTH USER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: QuadPay
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or around XX/XX/2020, I purchase a device via QuadPay at XXXX XXXX. The purchase required an initial deposit of {$83.00} and three additional installments of {$83.00}. 
On XX/XX/2020, I returned the item to the merchant ( XXXX XXXX ). The merchant provided an approval code ( XXXX ). 

That same day, I notified QuadPay of the return. QuadPay instructed me to wait until the merchant had refunded the account. This has not occurred ( even though it has been more than three weeks ). 

To proactively advocate for the refund, I contacted QuadPay many times and through various communication methods ( telephone and chat ) without avail. 

The total amount to refund is {$310.00} I asked politely for this amount to be refunded but no one responded to my inquiries. 

I also would like to highlight retaliation practices or blocking consumers for voicing their concerns to public entities. Please help us by securing our freedoms are respected!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23
Company: Better Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage serviced through Better ( https : //better.com/ ). This is a company in which I've had numerous communications issues and delays getting my mortgage originated, and led to a drawn out 6 month process which was already a bad start. 

Part of my mortgage, which I have never missed a payment on, has an escrow which is supposed to include paying my homeowner 's insurance. This was a mortgage that I have previously had serviced with XXXX XXXX, and had no issues with and the insurance was always paid on time from the escrow account, and the insurance carrier has always been the same. 

On XX/XX/XXXX, I got a notification from my insurance provider that my premium pay wasn't processed by my mortgage lender. The insurance provider has confirmed that it should have been paid from my escrow account, but hasn't. I immediately reached out to the folks at Better, copying the insurance folks as well, asking for this to be resolved. 

They have acknowledge my request on the XXXX, said they are investigating on the XXXX of XXXX, and then silence. I reached back out on the XXXX asking for an update, and got a reply on the XXXX saying they are still looking into it. More silence until the XXXX, when I reached out again, and got more replies on the XXXX and XXXX saying they are still looking into it. 

On the XXXX, I got a notice from XXXX XXXX my insurance carrier ) that my policy will now be canceled on the XXXX due to nonpayment. This still has not come to resolution and I am at risk of losing coverage even though I have making all my payment commitments on time, and typically early. This has been a frustratingly poor experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Ability Recovery Services, LLC
State: WI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with the school and debt collector and they are still reporting it on my credit report. The documentation they provide to support billing is not only confusing but it also lists a statement date that covers the year XXXX in the top right corner and I did not attend until XXXX. 

XXXX is showing loan disbursement amounts totals of {$3600.00} disbursed on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX  XXXX XXXX is showing loan disbursement totals of {$3600.00} disbursed on XX/XX/XXXX and XX/XX/XXXX. 
There is also a discrepancy with the statement indicating that it covers Winter Quarter XXXX at the top right. 

Please remove this from my credit report as this debt does not appear to be mine. 
I have attached copies of my loan details as supporting documentation.

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 2023-01-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
JPMorgan Chase continually defaults my banking statement settings to paperless. I have reset the settings to receive a paper statement on multiple occasions, but to no avail. I have not received ANY statements for any of my savings or checking accounts at JPMorgan Chase for several months now. I have escalated this matter with the bank. I would like your assistance in looking into this matter. My not receiving a paper statement, despite my request to continue to have them mail them to me on a monthly basis, is impacting my ability to monitor my finances and to make informed decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This is crazy! The amount of incorrect information thats being reported on my credit report is ridiculous. These credit bureau should be ashamed of themselves and its not fair that they get to report what they feel like reporting and its hurting my personal life. I wrote a dispute letter XX/XX/2021 and sent it certified so I can make sure they get my letter. Im going to attach all my letters I sent out, return receipts that I got and proof of my Identity. I want this issue resolved immediately. Please help me take care of this matter CFPB. Thank you

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 2021-11-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I want to know and have in writing what bank bought my home and paid off XXXX  XXXX XXXX? this is not violating the CCPA.

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 2019-11-13
Company: Experian Information Solutions Inc.
State: UT
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 the coding on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report ) The coding on this item is incorrect and stuck in past due status. It is a violation of the Fair Credit Reporting Act and is mandated to be corrected or completely deleted from my credit report. This inaccurate reporting is seriously harming my credit score. I have contacted the ( 3 ) bureaus to resolve this however, I have not been successful.

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 2021-01-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This is in Continuation of Open Complaint # XXXX against PayPal Meanwhile - while they are taking their time Correcting the Matter, they are sending Threating emails every day so I will add Money to my Account to Correct their Mistakes - otherwise, within the 30-day timeline, they will Ruin my Credit and Perfect Standing with All 3 Credit Bureaus This message is for XXXX XXXX. If you are not the person named, please disregard and delete this message. 



XXXX XXXX Reminder of Action Needed on your account with PayPal Your account with PayPal associated with email address XXXX, has had a negative balance of {$690.00} USD for 14 days. 

If you do not pay the negative balance amount, you may not be able to fully use your PayPal account, and we may continue with efforts to collect the amount. 

Please pay the negative balance amount as soon as possible by following the below steps : Log in to PayPal.com. 
Click the Add Money link to resolve the negative amount. 
You may Add Money to your account with PayPal from : Your bank account Your debit card ( except XXXX XXXX XXXX Your credit card ( except XXXX XXXX or XXXX ) If you have questions or you can not pay the negative balance amount, please contact us at XXXX. We are available Monday through Friday, XXXX XXXX XXXX XXXX. EST and Saturday, XXXX XXXX. XXXX XXXX. EST. 

If you already resolved the negative balance amount, please disregard this message. 

Thank you, PayPal This is an attempt to collect a debt, and any information obtained will be used for that purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-08
Company: Experian Information Solutions Inc.
State: NC
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:
Experian has continually reported a false chapter XXXX bankruptcy on my credit report that ALL their agents have acknowledge the bankruptcy being reported is under a DIFFERENT name! Experian will not remove the listing even though it's under someone else name due to they keep saying " their '' source verified the information? Experian will not provide me with the name of the source to dispute this directly with them. Under Federal law, any INACCURATE OR INCOMPLETE information must be deleted. How can a company verify information under a different than mine? Easy answer, they are not verifying anything! Over 30 days ago I submitted a written request for Experian to provide me with physical evidence of this chapter XXXX bankruptcy, as XX/XX/2018 they have not. Approximately on or about XX/XX/2018 I called Experian with the Federal Bankruptcy court on the line, Experian reps realize that a officer from the courts was on the line and stated they could not discuss that issue further and stated they would need to end the call if the court ( who they claim is reporting this ) did not disconnect. Experian is a fraud, the CFPB is supposed to protect Americans from these types of companies. They are ruining my life and has caused my great financial harm! I have been fighting with this company for over a year! CFPB, what are you going to do! Experian is breaking every Federal credit reporting law on the books! I am prepared to use every legal recourse available to me to fight this!

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 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On a monthly basis I regularly pay my Kohls credit card. I physically walk into the store in the city I love to pay the debt. I have 2 issues with this vendor.

1. I get repeated phone calls despite REGULAR payments to this vendor. Kohls is not my friend. Besides my financial relationship with Kohls there is NO other reason for them to contact me. Especially in excess of 40 calls per month! As if I do not promptly and consistently pay this vendor. 

2. It seems my balance is not going down. Despite my monthly payment to this vendor. What I feel is this vendor is attempting to manipulate me, with extremely excessive phone calls, while my balance doesnt appear to decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XXXX XXXX I recieved a letter from Heartland ECSI threating to send me to collections for not setting a payment plan with them. When I called them the lady on the phone was extremely rude and told me that I could only pay {$720.00} a month was my lowest payment option. She also said that conneting to my back account that would make it easier to automatically take my payment.As a student who works a minimum wage job at a restraunt and has two unemployed parents who can not aide me with any of my school payments simply because they can not afford it is impossible to help me whith what I owe monthly. As of today, XX/XX/XXXX I call Heartland ECSI again with the same lady whom I talked when I first called and complained about my situation. She said there was nothing she could do and that I would have to contact the school. I told her that I wanted to talk to someone who would help me better in her facilty only for her to give me that phone number of my school which did not answer my call. I am servely upset that they took advanage of my situation and held it against me if I did not do what Heartland ECSI wanted me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This complaint is a follow-up regarding the disputed items in my credit file which are erroneous and fraudulent. I request you to remove the items in my file that are erroneous. 

Here are the items that needed deletions : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I simply can not comprehend how Equifax punishes someone for doing the right thing. Recently, I paid off a credit card, and also paid 3 XXXX XXXX XXXX off for less than the actual amount owed, freeing up over {$15000.00} of debt. A reasonable person with common sense would naturally think by doing the right thing, their credit score would increase, but with Equifax, I lost a lot of points. I understand a person losing points for not paying their bills on time, as well as using a form of credit line, but it doesn't make any sense at all for the person to have further points deducted for doing the right thing. I have tried to speak with someone at Equifax concerning this, but good luck speaking to an actual person. Not only is their customer service pathetic, but it also seems so is their grading structure. Based on my experiences with Equifax, there simply isn't no way for me to increase my score when everything I do that is considered to be right, I get punished by having more points deducted. Someone, or an agency, needs to step in and make the necessary changes so that people like me, who are trying to do the right thing, doesn't get punished for doing so!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
Santander USA is not reporting the date the account became delinquent and after which it was never brought current. XX/XX/XXXX, I made my last payment to Santander. That payment was for XX/XX/XXXX. I paid Santander over {$11000.00} dollars and all I was paying was interest. 
XX/XX/XXXX, the account became delinquent and never became current. Santander is reporting XX/XX/XXXX, as the date became delinquent and never became current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 with the account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX account name XXXX XXXX has violated my rights according to 15 usc 1681 section 602 8 states I have a right to privacy 16 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your aacount without my written instructions.

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