BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: JPMORGAN CHASE & CO.
State: CA
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:
I recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XXXX XXXX, XXXX  in the amount of {$21000.00} should be refunded or credited to me the consumer. According to 18 USC 8 all debts public and private is the obligation of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is violating FCRA. I have tried several times to resolve this issue to no avail. Yesterday again I spoke with a rep who said a supervisor would come on the line to speak with me and I waited over an hour on hold and no one picked up. This after other times being told a supervisor would call me back and they never did. They claim they verified a public record ( bankruptcy ) ( which should not be on my report ) with the " creditor '' I explained to the rep this was not a creditor, but a court. She corrected herself and said, " oh yes the court '' Clearly, did not know what she was even talking about. They are just spewing lies to consumers. They could not have verified ANYTHING because the US Bankruptcy court does not give ANY information to third parties by phone or mail. At this time my XXXX XXXX reports are ALL FROZEN and locked. So how did they verify this? 
The clearly DID NOT. They are lying and committing a violation of FCRA. This company handles requests like this very poorly and should be sanctioned for this behavior. Lying to consumers and stating they verified information they could not verify. Further, on my previous attempt to resolve this via certified mail I sent a copy of the letter from the court stating they DO NOT give out information and also a copy of the XXXX XXXX freeze letter. This is nonsense.

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 2019-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Several months ago I closed my Visa Card with Bank of America because their continually over-charging of Late Charges and Interest, and carrying them as a balance on on account, even though I paid my account balance in full, and closed my account. 

Then on XX/XX/2019, as a sign of good faith and compromise, I agreed to pay the amount of {$220.00}. to satisfy my account balance in full, and this was approved by a Supervisor. 
My account would be satisfied in full, with no further balance, and no further bogus Late Charges and Interest penalties, etc.

THIS AGREEMENT WAS APPROVED BY A SUPERVISOR, so I paid {$220.00}.

I subsequently received a letter saying that they will NOT honor this agreement, after they accepted my payment.

Clearly a deception and a lie!!

Now they are charging my CLOSED account each month with Late Charges and Interest.

They are certainly aware that i can do NOTHING to stop this, and so they will continue to add on the Late Charges and Interest, and then sell this debt to a Collection Agency.

Also, they are giving me an Adverse Credit Rating.

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 monetary relief
Consumer complaint received 2023-04-14
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was living with my now ex girlfriend in an apartment in XXXX California. She moved out in XX/XX/XXXX and I moved out in XX/XX/XXXX. I sent notice to the property management company that I would be moving out by the end of XXXX on XX/XX/XXXX. The management company replied to that email regarding another topic that was contained in the email. On XX/XX/XXXX. I received an email from the management company stating that my move out date was XX/XX/XXXX and they had charged me an additional three months rent as well as late fees three separate times for those months. I was never notified of these charges and I was never notified when they sent that Det to a collection agency. My ex girlfriend received a call from the collection agency last week stating that we owed roughly {$5000.00} that had to be paid by the XXXX of this month to avoid a negative impact on credit reports, We explained the situation to the person on the phone, but they were either unable or unwilling to allow us time to sort out the situation with the management company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: World Acceptance Corporation
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a business account with XXXX and there are putting a payment on my account that is not mines and is fraudulent and it really hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I WAS CONTACTED BY A COMPANY CLAIMING A DEBT OWED WHEN THE APARTMENT IN QUESTION DID NOT BELONG TO THEM WHILE I LIVED THERE I HAD MOVED OUT BY THE TIME ESCROW CLOSED NO CONTRACT WAS SIGNED OR IN EFFECT SO I DO NOT OWE THEM ANYTHING. THEY ALSO ACCEPTED THE PROPERTY AS IS. THIS IS OVER 3 YEARS AGO. THEY ARE USING NATIONAL CREDIT SYSTEMS INC OUT OF XXXX, GA AS THE COLLECTION AGENT THE CREDITOR IS XXXX XXXX XXXX  OUT OF XXXX CA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: IL
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15
Company: Marlette Funding, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I live in Ohio and my husband is XXXX XXXX for the military  and spouses fall under the SCRA benefits in Ohio. I have contacted them three times with the Ohio SCRA law and my husbands military orders and they refuse to change the interest to no more than 6 %. I was told they are in another state and could do whatever they want to do. I was informed that even though they might be in another state, they must abide by Ohio 's laws to do business with customers in Ohio. The company has not responded to my request in writing only when I call in on the phone they refuse to review it and state since I am not the service member they will not change it even though in Ohio they are required to. 

XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
Different credit inquiries on my credit score that dont belong especially with banks. Ive sent several disputes no responds yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my 2nd complaint against ocwen loan servicing. First compliant # XXXX. 
Since the initial compliant I've been inundated with request for duplicate documents. This has been going on for almost a year. Now i received a letter stating i have a new account manager and he is requesting all the same paperwork already submitted months ago! I'm attaching my most recent email to him explaining EXACTLY whats been happening. Now instead of ocwen calling me, like they've always done, now they are calling my boyfriend 's phone leaving messages in XXXX! I've never come across a company with such less than competence and willingness to work with people of all ages, backgrounds, situations and income statuses. All I'm trying to accomplish is reformatting the mortgage to be able to make monthly payments and also to pay back the money i owe. I'm begging a company to work with me and take my payments and i still have no success with ocwen loan servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
Account shows should be reported until XX/XX/XXXX, but I believe there were no payments made before charge off since mid XXXX. XXXX credit report from XX/XX/XXXX shows account closed mid XXXX and closed in XXXX with no record of any payments. I disputed this with XXXX and they deleted the reporting of account XX/XX/XXXX. Dispute with XXXX currently. Disputed with XXXX with result of only balances updated and starting reporting charge offs monthly since dispute. No info in dispute from XXXX  about why not deleted as last payment associated with charge off from XXXX. I just tried to start a new dispute with XXXX about same account, same reason and XXXX online says that I can't submit second dispute on same account, so I uploaded a copy of the credit report from XX/XX/XXXX, showing no payments made in XXXX or XXXX and account should be too old to report now, XX/XX/XXXX, not XX/XX/XXXX. No place to add comments on the upload, only transfer of file, which was the XX/XX/XXXX credit report for XXXX. The account also showed XXXX dollar payments for a period a few years, which didn't happen, and even if did they didn't update the balance. So many errors for this account on all bureau reports, only XXXX deleted account. This account needs to be completely deleted now. 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 2021-10-15
Company: Reliant Capital Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This afternoon XX/XX/XXXX I received a message from a XXXX XXXX stating that they would send my account to law proceedings to settle the balance and then insinuated that upon initial look at my account it didnt look as if I had anything attached to my social security number I took this as a threat saying that they would ruin my social security number. I have the entire email sent to me for record. 

XXXX XXXX Senior Account Manager XXXX XXXX XXXXXXXX XXXX. 
XXXX, OH XXXX XXXX : XXXX Office : XXXX Fax : XXXX Email : XXXX https : //www.reliantcapitalsolutions.com/ This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: TN
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 am a victim of Identity theft. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: U.S. BANCORP
State: CO
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:
The CC company refused to explain why/how a payment I made was put on hold.

There were 2 payments made to the CC company one day apart.

The amount of the first payment was higher than the second.

For 15 years I never had a returned payment however on this occasion the company " held '' the first, larger amount, of the two payments.

I challenged their action as I needed to understand why : a. A payment had been put on hold b. Why the first, larger amount, had been selected to put on hold and not in the order received.

The response received simply stated it was within the regulations to do so.

Finally, after months trying to extract an explanation of why/how the action was taken, I was instructed not to make further contact as I would no longer receive any response.

Should a copy of the letter from the CC company be required ; please advise and I will locate, scan and email to an address you provide?

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 2023-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the 3 CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-09-26
Company: EQUIFAX, INC.
State: NJ
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:
Multiple XXXX XXXX credit accounts and collections in their behalf continue to report negatively on my credit report with XXXX, EQUIFAX and XXXX. I have a discharged bankruptcy in which XXXX XXXX accounts were included and this should include all collections on their behalf. I have made multiple disputes on this matter. The accounts were updated to a positive status but later put back to a negative one. I pay monthly for a membership that never has the proper updates and it continues to impact my credit score negatively. Being told by representatives that these items will fall off eventually does not help or solve my issue. These negative reports are having a huge impact on my credit rating.

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

Complaint:
In accordance with the Fair Credit Reporting Act Bankruptcy # XXXX and Bankruptcy # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Experian Information Solutions Inc.
State: IL
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:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, US DEPT ED,  XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is ( 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 2019-01-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have previously submitted a complaint against Wells Fargo. # XXXX dated XX/XX/XXXX. The company researched the complaint and then closed it before it was resolved. They still owe me {$160.00} for an unjustified finance charge dated XX/XX/XXXX. The representative who researched my case lied when she said she could not find documentation relating to this charge. She sent me a copy of the research and the document containing the {$160.00} finance charge was included. This case needs to be reopened and Wells Fargo needs to reimburse me {$160.00} which they fraudulently took from me. They had on NO occasion informed me that there was ANY finance charge. The account had never had a late payment or non-payment. It was paid IN FULL with a clearly printed XXXX balance. Yet, the bank officer forced me to make the payment or they would keep the account open against my will.

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 2019-08-17
Company: Upstart Holdings, 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: Account status incorrect

Complaint:
My wife & I had 2 of our homes destroyed in Hurricane Harvey and we both had to take off of work multiple weeks in order to assess the damage and figure out where to go from there. Consequently, we contacted Upstart to ask for a loan extension to move the next 2 payments to the end of our loan. Upstart has offered this service to victims of the California wildfires, but were callous when offering something to Harvey victims. They agreed to reduce our next 2 payments to ~$180/month (from $XXXX), but then our remaining payments would be $XXXX, which didn’t make sense when factoring out how much more we would be paying. Upstart also explicitly stated that these two payments WOULD NOT BE REPORTED AS LATE ON OUR CREDIT. However, Upstart began reporting late payments that same month and everything went down hill from there. The reporting of our payments are incorrect, one payment is missing entirely, we currently show as being 90 days past due two separate times now, etc etc. I was quite furious about this matter, so I acted accordingly and created multiple social media accounts & a website that gained traction rather quickly. I was subsequently contacted by an Upstart attorney who then offered me $XXXX to settle the social media & website matter and to turn over all websites and media accounts to Upstart; I agreed with a couple caveats - the main caveat being that they must follow up on our account and correct the multiple erroneous late payments on our account. However, I was never contacted again about our credit report and had to initiate contact with their attorney again before getting any response, but still nothing was done. Because of their errors and egregious inaction, this has destroyed our once perfect credit and has cost us thousands of dollars in additional interest paid in new credit accounts; We have also had 2 credit card accounts cancelled because of these ridiculous errors, which collectively had over $32,000 in available credit at the time of closing. I have recorded calls, emails, and a legally binding contract that all corroborate what I’m stating in this complaint.

Company response to consumer: Closed with explanation