BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2021-07-16
Company: American Coradius International LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Its a scam telling me I owe money but Im a minor and its a telemarketer/phone scam ACI is the name of the company Phone number is XXXX If it helps I recently switched from XXXX -> XXXX XXXX XXXX did claim that I have spam call prevention but obviously it didnt work

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Falls Collection Service Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/2014 I went to a medical Lab for XXXX XXXX. I gave the tech my medical card. This was the second time I had been there approximately a week prior so my medicaid card was in the system. I later received a bill. I went back to the lab and explained to the same Tech that my bill needed to be sent to XXXX for billing. The Tech stated she would do so. As I received bills I called XXXX  and they said they have no record of my information but it was sent to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: JPMORGAN CHASE & CO.
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:
Chase 1 ) continues to report Other primary account holders as mine.

2 ) Continues to report credit cards that have been replaced by new issued credit cards as current, creating the appearance that I have more debt to income ratio..

3 ) Refuses to fix problem since XX/XX/XXXX 2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the EOS CCA ( Original Creditor : XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Suddenly on credit reports, no written 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 explanation
Consumer complaint received 2018-01-30
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been harrassed non stop by phone, text and emails from XXXX XXXX company. They have violated many laws by contacting my ex boyfriend from a payment he made in 2016 we have since broken u and he was never authorized on my account only for a one time payment in 2016. The car company called him today and said that they were calling him in regards to my car accident and if he had more information they thenproceeded to lie to me and say that he is listed on my insurance policy which he has never been. They have continuously harrassed me regardin payment on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX card issued by Barclays. Barclays stubbornly refuses to provide the additional XXXX points for {$6000.00} spent within the first year, and only credited the base XXXX based on {$1000.00} spent within 90 days. Barclays reps are poorly equipped to handle and discuss card features much less read the disclosures. Again, the card does not call for aditional {$6000.00} to be spent, instead it merely calls for {$6000.00} net for the year. Client qualified for XXXX points, double the XXXX points he was awarded.

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 2018-01-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX sent me a letter this past week stating they reviewed my account that I was disputing a late payment that was reporting on my credit report for XX/XX/XXXX. The letter states that they will fix it with the credit reporting agencys to update my credit reports and put this account as accounts that are satisfactory with no late payments. I wish to note I have 2 XXXX XXXX  credit cards. I am disputing the account that was opened in XX/XX/XXXX with a {$500.00} credit limit not my other XXXX  XXXX account. I received my experian credit report today and the 30 day late payment is still reporting it was supposed to be removed according to the letter from 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 2019-05-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ DATA INT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA-XXXX Has placed a false debt on my credit report for {$110.00} on XX/XX/2017. 
Previous to that, they had sent me a letter stating I had 30 days to respond. I sent a letter within the 30 days asking them to prove to me that this was a valid debt, I also spoke with them over the phone and told them this is not a valid debt and it's not mine. 
They did not ever send me any proof that this was in fact a valid debt. 
I want this debt removed from my credit file. I have also sent in disputes to all 3 credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX I submitted disputes to Equifax, XXXX, and XXXX. XXXX  responded with stating an investigation was started but never followed up with the investigation results, no response from Equifax or XXXX. On XX/XX/XXXX I resubmitted disputes to all three agencies with the same response from XXXX and a response this time from XXXX saying that an investigation was started. This violates the FCRA in that the FCRA provides a 30 day window in with to respond to disputes. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer I request all disputed items be immediately removed from my credit reports. I intend to enforce my rights in court for damages resulting from your late of action ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: OH
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 submitted a letter to Experian asking them to provide me with the information they have obtained to validate the accounts that are currently listed on my credit report. There are numerous accounts listed on my credit file that are inaccurate, multiple listings and accounts that are to old to be on file. As of today, Experian still have not provided me with the information that I requested of them. Attached is the letter that I sent to them.

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 2021-11-09
Company: I.C. System, 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2019-05-16
Company: Convergent Resources, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Recently I received correspondence from a collection agency ( Convergent Outsourcing ) regarding an alleged {$360.00} debt owed to XXXX. This is not a valid debt. 

On MXX/XX/XXXX, XXXX mistakenly initiated an electronic financial transaction debiting my account at XXXX XXXX in the amount of {$18000.00}. My account was locked down as a result, and I was unable to pay my other bills. Despite the fact that I repeatedly contacted XXXX regarding their mistake immediately after the XX/XX/XXXX debit, XXXX again attempted to initiate an electronic debit from my account in the amount of {$18000.00} on XX/XX/XXXX. 

As I had after the first improper debit, following the second transaction I called, texted, and visited XXXX local office in person. Because of these improper actions by XXXX, I was forced to cancel my direct deposit into my bank account, to purchase money orders to pay some of my other bills, and I had to spend a great deal of time and energy resolving other issues related to the improper debits. Shortly thereafter, I cancelled my cable service through XXXX. After speaking with the several individuals, including the manager, I was assured that my account with XXXX held a XXXX balance and that I owed no money to XXXX. On XX/XX/XXXX while visiting the local XXXX office to verify that I owed no money to XXXX, I reviewed my account status with XXXX representatives and was again assured that my account held a XXXX balance. 

Then this spring, I received a notice from Convergent Outsourcing seeking to collect {$360.00}. This is not a valid 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 explanation
Consumer complaint received 2018-01-30
Company: EQUIFAX, INC.
State: IL
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:
Bankruptcy they say verified thru court .... i received letter from court saying THEY DO NOT HAVE ANY INTERACTION WITH CREDIT BUREAUS .... i asked that their source and any information be released to me per my right by the FCRA they said courts which clearly DOES NOT INTERACT WITH THEM I ASK THIS BANKRUPTCY BE DELETED ... it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 explanation
Consumer complaint received 2021-11-09
Company: KEYCORP
State: OH
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I spoke to CFPB Representative, XXXX, yesterday, XX/XX/2021, at XXXX XXXX ( CT ). I advised XXXX that I did not get responses from XXXX Credit Card a/k/a " Citi '' " Citibank ''. Well, this evening, I received an envelope with invoices and a letters from XXXX Credit Card XXXX " Citi '' " Citibank '' whom double charged my XXXX credit card account with a second charge on XX/XX/2021 that I did not make, I am disputing the charge! I purchased the XXXX XXXX XXXX XXXX XX/XX/2021 that are defective and delivered on XX/XX/2021. There is fraudulent activity on my XXXX account! XXXX XXXX, XXXX Credit Card a/k/a " Citi '' " Citibank '' has committed fraud on my Wayfair account. I did not make a charge on my XXXX account on XX/XX/2021, and, I am disputing the charge on my XXXX account. 

I did not make a second purchase from XXXX XXXX, in fact, I asked for my XXXX Credit Card to be closed. The XXXX Credit Card was opened to purchase the XXXX XXXX Dryer XXXX ONLY ; and, it was my one and only purchase on my Wayfair account! Again, I do not owe XXXX Credit Card a/k/a " Citi '' " Citibank '' money! XXXX Credit Card a/k/a " Citi '' " Citibank '' owes me XXXX refund, {$1400.00} ; then reversal of all finance charges, late fee charges, and repair my credit report with all credit reporting agency 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 monetary relief
Consumer complaint received 2019-05-16
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
When trying to transfer money from my Chase account to my external XXXX XXXX XXXX account it was placed on a security hold. 
When I called up to release this temporary hold, I was asked 3 security questions.

The system did not accept one of the answers, and now my online account is frozen.

Chase has said the only way to resolve this, is to go to a Chase Bank, with 2 forms of ID.

I live in the XXXX  ( XXXX ) and can not walk, and I have not been in a Chase bank in the USA in 4 years. 

Chase are asking me to take time off work, fly to America, and show them ID, so I can access my own money? 

They are happy to verify me on the phone and discuss my account in detail, but they will not unlock my online account. 

Not acceptable. 

I have called and spoke to countless supervisors, security teams etc and the answer is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Voss & Klein, LLC
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on VOSS & KLEIN , LLC Original creditor XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-07-16
Company: Mr. Cooper Group Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In summary, my loan was paid off to the previous lender, but the new lender still demands a monthly payment. The new lender threatened to report a negative record to my credit report. I have to make payment to a closed loan to avoid bad credit impact. 

DETAIL BELOW, The loan was transferred from XXXX XXXX XXXX XXXX to Mr. Cooper at sometime in XXXX or XX/XX/2021. The loan transfer effective date in XXXX XXXX XXXX XXXX 's statement is XX/XX/2021. The loan transfer effective date in Mr. Cooper 's statement is XX/XX/2021. This is very confusing, please see attachments for detail. 

The loan was paid off on XX/XX/2021. The fund was sent to The XXXX XXXX XXXX See attachment for transaction detail and full reconveyance letter from the money source for lien release. 

Currently, I have no loan outstanding with the money source or Mr cooper. I should pay nothing to Mr. Cooper. Mr Cooper refused to admit the fact and asked me to make the payment. I contacted Mr Cooper weekly or even twice a week since XX/XX/XXXX and they always told me to wait patiently until the loan is near 60 days after the transfer, which is XX/XX/XXXX. Mr Cooper doesn't actively contact the XXXX XXXX and refuses to further help me on this matter. 

Now, it is near the 60 days past the transfer date based on Mr. Cooper 's record. The Mr. Cooper threatens to report past due and I have to pay the {$6300.00} to avoid negative credit impact. 

I also contacted The XXXX XXXX on XX/XX/XXXX, they promised to solve the case before XX/XX/XXXX, but an agent called me on XX/XX/XXXX and still couldn't tell me why the case is not solved.

Company response to consumer: Closed with explanation