BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX at XXXX in Ga place a balance of XXXX on my credit report, despite code compliance violations. The debt was sold to National Credit Systems. I made an initial payment of XXXX and the balance never updated until I asked to speak to a supervisor. The collections agent told me that it was not XXXX ' responsibility to update my balance, but it was my responsibility to provide proof of payment. She said that she saw the payment in her system, but it never updated until XXXX on XX/XX/2022. It is my belief that their business tactics is not report updated payments and it still shows a balance of XXXX on my credit report. The supervisor XXXX came on the phone and told me " to get it together '' after I inquired why my balance had not been updated. I also why did I have to show proof of my last payment if the system took it. The business should be responsible for accurate billing information including balance on account. I have not received any documents notifying me of my right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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I contacted Transunion about inaccurate and outdated information on my credit report on two separate occasions.On XX/XX/2022, I spoke with an agent from Transunion named XXXX. I informed XXXX that Transunion has failed to remove inaccurate and outdated information and that by law they are suppose to remove any information older than 7 years. XXXX got very loud and told me that all the company could do was file a dispute and the information would stay 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 2021-12-02
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/18 amount of {$41.00} and same day same merchant, charged again for {$240.00}. 

I traveled to XXXX. 
XXXX, to be exact. 

I was on my way home and decided to check my bank account, i had two charges, that i could not account for and did not make sense. 
One was for {$41.00}. The other was for {$240.00}. 
Both came from the same merchant, that was also described as transport, our family rented a car so i know didnt pay ANY transport fees. My partner dropped me off at the airport! 
On top of this when i called in they said this transactions were for a merchant.. they asked if i bought goods?!? I was traveling that day! Also, how is a merchant labeled transport AND charged in XXXX XXXX when i in fact was in XXXX at the airport. I have a baggage fee posted on my acct to confirm i was indeed in XXXX and traveling that 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 2019-10-13
Company: Paypal Holdings, Inc
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I recently purchased a prepaid PayPal debit card from a convenient store, I set an account and download the app. I downloaded the non prepaid app as well. ( The PayPal app that allows a person to send, receive funds online, etc ) I made my prepaid account and then thought it was connected or associated to the original app, but when I tried signing up for the no prepaid account, it said I already had an account. I tried putting in my current email and # but it wasn't the correct information associated with the account, I tried other emails in which I no longer have access to as well as old numbers I've had in the past that I no longer have access to and found both a matching email and number. But the crazy part about this while situation is that I never made an account with PayPal prior to making the prepaid onlme account. Therefore I believe someone has hacked my email because when I tried to recover the email that ls linked to the non prepaid account, to try and gain access to it, I wasn't successful due to the recovery email that was now on file with the email I no longer have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE NEW and UPDATED information regarding the previously submitted claim. 
I have contacted CFPB previously regarding this company reporting negative information to my consumer credit report ( claim XXXX, XXXX, XXXX ) I have sent them a cease and desist, I have requested for validation of debt, and they keep sending the same information that does not validate this alleged debt. I have never contracted with them nor authorized this. I filed an FTC report, and yet they have closed the complaints and still reporting. 
I have contacted the XXXX  regarding the same issue and NCB has responded that they have ceased all attempts at communicating with me, however, they still are reporting the negative information to the credit reporting agencies and a consumer credit report is a medium of communication. 
This company not only has committed identity theft but continues reporting negative information after a cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
Transunion is breaking Federal Laws by furnishing late payments 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 non-monetary relief
Consumer complaint received 2020-04-23
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I received an email from the Tennessee Department Of Labor And Workforce Development today. The email stated that my payment of $ $ $ $ was issued on XX/XX/2020 .The payment was returned because of no account or Unable to locate. Then it stated that the amount would be reissued to the debit card that was previously issued to me. ( I have never signed up for or received a Card! ) it then stated that if I no longer have the card or it has expired to contact Way2Go Card Debit MasterCard @ XXXX for a replacement. So I called the number and waited 1 1/2 hours to talk to a Live Person. The lady took my SS # and D.O.B and said that nothing came up for me! She said that she couldn't find anything about me. I tried to give her other information and she said that they only go by SS # '' s and or D.O.B. She said that because nothing showed up for me there was nothing she could do for me. I told her that it said that my money was going to be on a card that I don't even have. I'm relying on this money to live right now. I have been out of work for almost a month and no money! She didn't offer to issue me a card or transfer me to someone else. I'm really frustrated!! I want and need this money. Please Help Me Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called AWA collections and confirmed that this debt is not mine, the date of birth and social security number is not mine. I was told to put in a dispute with XXXX and I have done so two times already but XXXX keeps approving the amount when AWA has already told me this is not my account or debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: PR
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: Investigation took more than 30 days

Complaint:
I send a dispute letter on XX/XX/2022, of this account and still don't have responded to my dispute. The account was open fraudulently I send a copy of my Identity Theft report and they ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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: Information belongs to someone else

Complaint:
There are seven student loans that don't belong to me I have not applied or signed for these loans I have not been in school for years and years I have no idea who applied or ruined my credit I need these off my account and credit report asap. 
Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6300.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6500.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$13000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$20000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$6000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$29000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off due to XXXX in XX/XX/XXXX. I applied for a Forbearance plan with mortgage holder Mr. COOPER. After going back to work in XX/XX/XXXX I called bank to start making payment arrangements. They could not offer me any viable options at that time and suggested to stay on the Forbearance program while they underwrite a modification of terms. I submitted all documents and did exactly what they asked- do not pay the mortgage and stay in the program until a determination was given. I told them by not making payments this would make things worse if the modification didnt get approved. They again told me my best course was to continue. 

In XX/XX/XXXX they started the modification process. I was advised to call every XXXX weeks for an update and was told each time it was still be underwritten. In XXXX I called and complained and sent a letter to the office of the president to expedite the decision. I was then told my loan should have had been approved and a letter was coming. I waited another XXXX weeks and was still told the same thing. In XXXX I called and was told they were behind and a decision had not been made and to keep calling. I was informed this week that the modification was denied and my only options were a repayment plan. This comsists of a $ XXXX payment and XXXX  months of payments of over {$1700.00} to bring the account back to normal. I was also given an opportunity to pay the full amount, over {$25000.00}. 

I tried to work with the bank and did everything they had asked. I am now in a much worse situation with my mortgage than prior to being XXXX XXXX due to XXXX. If I struggled to make payments while XXXX XXXX I would not be in this situation or be in a much better place. I feel I was lied to and misled about the opportunity that I was given in a he beginning about what government assistance would be available but was never even an option. I am now financially struggling to meet their repayment plans to keep my credit rating and my home. I need assistance helping work out a program that can keep me in my home with my XXXX kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Army and Air Force Exchange Service
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:
Paid account in full that was owed to Military Star Card. Derogatory remarks were not removed. 

XXXX XXXX was settled and still showing derogatory remarks on credit report and were not removed.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding inaccurate unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed.

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 2021-12-02
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I got a loan from XXXX and the XXXX holder was bridgecrest.I XXXX XXXX XXXX and the car was repossessed on XXXX XXXX also a agent told that I was informed about this .I explained I never receive in paper documentation in the mail in regards to how much I was default by I wasnt able to obtain my things before the car was even sold or afther .Also their a lot of stuff on the contact that was not explained to me .Also they reported XXXX different amount to XXXX different via XXXX  and via XXXX.They also have XXXX complete different dates in regards to the repossession.

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 2019-06-19
Company: Experian Information Solutions 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2022-04-26
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Equifax is breaking Federal Laws by furnishing late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, I went into a Chase Branch at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX to open a Checking and Savings account. I had received a coupon on the Chase.com website after logging into my credit card account to receive a {$500.00} bonus for opening the Checking and Savings account. I was assisted by XXXX XXXX, a Chase banker, who helped me to open the accounts. The Chase banker reviewed my information and asked me extensive questions in regards to my personal and financial situation. The banker expressed no concerns with my information and my accounts were opened with no issues. On opening, I wrote two checks, {$25.00} for the checking and {$15000.00} for the savings which I funded with the recent sale of my home. Documentation on the closing of my mortgage with XXXX XXXX and the wire instructions with the escrow company can be provided upon request. 

On XXXX XXXX, the checks cleared and the funds were available in the accounts. 

On XXXX XXXX, I attempted to log into my Chase Mobile App and received a notice that my accounts were suspended and to call customer service. Upon doing so, I was informed that my checking and savings accounts were to be closed. I attempted to gain information and understanding of why my accounts were closed and did not receive an explanation. I also went to the branch where I opened the account and the Branch Manager was unable to retrieve that information as well.
No attempt was made to my knowledge by Chase to reach out to me prior to the closure of the accounts. No notice was given. 


I had recently opened accounts at two other financial institutions and did not have any issues with those banks. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Investigation took more than 30 days

Complaint:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive noticed XXXX Inaccuracies on my credit report I do not recognize XXXX  XXXX Bankruptcy & XXXX XXXX Bankruptcy

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 2021-12-02
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I closed an account in XXXX possibly XXXX. Either way, the closed account does not show on US banks end. I called and confirmed and they do not appear on US banks end as a closed account and records are not available for retrieval however they show a debit and atm card which is an indicator that clearly there was a checking and savings account at their firm. I called the first time and explained. The lady mentioned she would reach out to IT dept. She left me on hold for 10 to 20 minutes and the line disconnected. I did not receive a call back. I called again. Informed the second lady that someone is fraudulently calling in and having my info removed plus posing as my POA in which i did not have one. Informed her I had to disconnect and to call me if she has a solution.

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 2019-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
7 hard inquiries on my credit report These have caused me to be declined for other opportunities XX/XX/XXXX - XXXX XXXX XXXX XXXX - inquire without permission - unknown XXXX XXXX/XXXX/XXXX - inquire without permission XXXX XX/XX/XXXX & XX/XX/XXXX ran twice instead of once XXXX & XX/XX/XXXX Capital one Bank- 3 hard inquiries ( 2 are almost 2 years old ) XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We are a military family and back in XXXX due to back to back XXXX we hit a hard time with finances. We lived in this property for over XXXX years and originally purchased the property for {$180000.00} and now you are stating we only paid {$5400.00} in XXXX years. This is when Chase Home Finance was marketing Home Loan Modifications to all soldiers to help them get back on track. We were living at XXXX XXXX XXXX XXXX XXXX  XXXX and we figured this would help lower the mortgage payments during this time which it did. We was behind about {$6200.00} and the payment went from {$1100.00} to {$1800.00}. Thus we had requested a loan modification to lower the payment and bring us current. There was no money that we received during the modification. We did not read the fine print of them taking {$45000.00} ( which I could not figure out how they came up with this number since we were only behind {$6200.00} ) to be added to the back of the loan and no payments we currently make would be made on this amount during our monthly payments being made. We did not discover this hidden part until we had to sale the house walking away with nothing except for the house being paid off. This is when Chase Home Finance shared this part with us when the pay-off amount was requested. They also explained the {$45000.00} was made up by charging us 115 % of the {$6200.00} we were behind on the loan. I know for a fact we are not the only military family they have done this too. We were at our lowest and I do feel they also did this base on XXXX XXXX XXXX XXXX XXXX  all this time we thought we owed {$120000.00} on our home when in fact we owed {$170000.00}. We are filing this complaint for this money back to be returned back to us from Chase Home Finance.

Company response to consumer: Closed with explanation