BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-06
Company: EQUIFAX, INC.
State: PA
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 last response from XXXX XXXX XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response We are sending the customer a letter advising that we previously sent requests for the inquiries to be updated ; however, to further assist, we reached out to Equifax on his behalf to confirm the inquiry update. We further advised to allow until XX/XX/XXXX for the update to occur. 
DESCRIPTION OF NON-MONETARY RELIEF Credit bureau inquiries changed from hard to soft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I leased a XXXX XXXX from XXXX XXXX ( Bankrupt ) on XX/XX/XXXX. The Lease included an Extra Wear & Tear Policy ( WSWEAR ) by XXXX of the XXXX XXXX for {$690.00}. 

I returned the car on time and paid all monthly payments. Then GM Financial billed me {$620.00} for XSWEAR + Disposition Fee {$390.00} + taxes on that fee. I paid them {$570.00} because paying taxes on the Disposition Fee seemed ridiculous to me ( paying taxes on a Fee? ). 

XXXX paid them directly {$230.00} for my XSWEAR so that now they got overall of {$800.00} to MY name! Thus, according the GM Financial, THEY OWE ME XXXX-XXXX = {$180.00}, and they ignore my requests to pay me that balance!!! 

GM Financial are CROOKS!!! They are trying to take advantage of the fact that I am a Senior Citizen who can't afford the time and effort required to deal with such crooks!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: CO
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:
In XXXX I initially filed a complaint with the CFPB, number XXXX. 
In the complaint I argued that Equifax took longer than 30 days to verify a negative item on my account. In fact, right now we are at 8 months and their investigation still shows incomplete. 
I filed complaint XXXX with the CFPB, and Equifax said they would look into it. 
One month later, Equifax responded. 
They didn't disagree with my complaint at all, and further said it was removed from my account and no longer affecting my credit. 

This is another bold face lie from Equifax to further distance themselves from any culpability and financial responsibility. This is another disgusting abuse, that is absolutely illegal and protected by the CFPB. 

Equifax needs to immediately remove this negative item from my credit report. They can't act as judge, jury, and executioner when they are in the wrong and committing illegal acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: Sentry Recovery and Collections, Inc.
State: CA
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:
After my initial complaint against XXXX  the result was still still not verified they keep saying the account Sentry Recovery & Collection has been verified the company has failed to respond to me under the FDCPA and XXXX  has failed under section 609 ( a ) ( 1 ) ( A ) so this has gone far enough class action lawsuit will begin on XX/XX/2019 if not resolved

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 2020-06-26
Company: Associated Credit Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Associate Credit Services , Inc. contacted me to pay a XXXX XXXX balance that I had forgotten about and they told me that I can pay a portion at the time and be all set. They did not however tell me that they will keep reporting to the credit bureau that I am delinquent until the remaining balance is paid in full. They ceased all communication attempts since then - about four or five years now. Now that I can monitor my credit report, I found out about it and I took the initiative to call them. They only had an answering machine where you can leave a message. I went to their website and tried to pull my information in order to pay online, but the portal showed the following : Creditor Name : XXXX XXXX Account Balance : {$0.00} Amount Paid : {$0.00} There's no way to resolve this but they keep on damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
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:
My previous complaint # XXXX States that portfolio recovery is inaccurately reporting incorrect dates for debts owed. Their response is they have no control over the information reported? Portfolio Recovery reported the information to the credit bureaus initially. Portfolio has denied taking responsibility for he information they communicated to all credit bereaus. Portfolio recovery stated they are not responsible for the inaccurate information? Do they not have the responsibility to report correct information if they are aware its inaccurate? I demand portfolio recovery correct the errors instead of doing nothing to correct the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I filed a complaint with CFPB, due to Jefferson Capital Systems ( " JCS '' ) trying to collect a debt not owed. After 3 notices of dispute, and during 4 months after disputing the unrecognized debt " JCS '' never provided proper validation, and never provided any evidence to prove, any binding liability, after never providing any proper validation as FTC Attorney XXXX describes in his opinion " JCS '' was obligated to remove the account from my credit report not later, than 30 days according to the FCRA and FDCPA, and keeps violating the law by not removing the account reported as XXXX XXXX, that " JCS '' clearly claims ownership, and to be the Current Creditor, as he has been doing for the last year. 

In addition to that " JCS '', from the moment the consumer notified formally the dispute of the account had to place a note on the account about the dispute no later than 30 days as per the two Acts referred above mandate. The evidence provided shows 4 months showing no dispute. 

Jefferson Capital Systems has continuously been violating the FCRA, and the FDCPA. Attached you will find the detail, and evidence, to prove the multiple times that JCS violated the law, and keeps violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX  are incorrectly reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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:
Somewhere around XXXX 2020 I opened a dispute with Chase regarding a XXXX transaction done through XXXX. After several back and fourth messages with the seller about where my merchandise was, he deleted his account from XXXX. He left me with this charge and no merchandise. Chase sent a letter saying they were looking into it. They understood it was about " Non-receipt of merchandise or service ". They closed the complaint and found it against me. I reopened the complaint faxed them all pertient info, XXXX XXXX tracking number, messages etc. As proof of delivery, the other party provided a XXXX XXXX tracking number, which I never received from him. That XXXX  tracking sheet did not have my name, signature ( it was supposed to be a direct signature required ), not my address. Also, the date of delivery was ten days before the seller said he was shipping the package. Chase used this as proof I got the package. I resubmitted Chase denied again, saying there was no billing error. Stating the charge was valid as I had made it myself. Chase now says no more appeals, too many days have passed. Chase continually refused to look at the evidence. At the end Chase replaced the reason I filed by converting dispute type saying '' there was no billing error and the charge was valid ".

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call like 10 times a day starting at like XXXX till like XXXX everyday from a lot of different numbers. I asked that they put everything in writing and stop calling me but they wont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last fall I received a statement for for {$3300.00} from XXXX XXXX XXXX XXXX, XXXX. The bill was from 10 years ago. Since I had never even heard of XXXX XXXX, nor did I ever utilized his services, I called his office and spoke to his office manager. She could not find any supporting documents to support the charge. She said she would look into the matter and call me. 

XX/XX/XXXX I received a notice from Capital Accounts for collection of said bill. I responded by mail asking for support documents ( itemized bills ) and then we could discuss the matter. I am now receiving daily calls from agents from Capital Accounts. Every day they ask if I am prepared to resolve the matter. Every day I ask for supporting documents. They continue to call and I have not received anything. 

They have called my work number. They have called my cell number. They have even called my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX is changing old information about account as if they are new account. I had a fraudulent account that was investigated and I filed a police report on and it was blocked due do the investigation. XXXX XXXX XXXX has change the original date, loan amount and account number with Experian, XXXX, and XXXX. XXXX XXXX may have sold or sharing the account with XXXX. I believe this is against the law under fair credit report act.

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 2023-02-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was victimized by a wire fraud transfer scheme. I received a text from the Fraud dept at chase ( I. now realize it was not really chase ) about an attempted fraudulent transfer from my chase bank account. I then received a call from a chase representative who explained my account had been compromised and I would need to close my account and transfer money to my new account. The representative claimed to be helping me with this. I believed I was talking to chase. In the middle of this call, I was disconnected. I called back to the number in the text message I received and tried to do a wire recall. I worked on that into the evening on XX/XX/26, but then realized I had been locked out of my account. It was not until the next day while talking about it to a friend who had listened to a podcast about this scam that I realized that I had been further scammed when I thought I was reporting the fraud. I then called real chase and made an official claim for unauthorized wire transfer. The fraudster cleaned out my account and sent all the money to an individual I do not know and did not authorize. On XXXX, I received a denial of my claim from Chase Bank. I spoke to a representative today, who told me I would be unable to appeal my claim. I know that this is an unauthorized wire transfer and under the Electronic Funds Transfer Act, Regulation E the Bank is not entitled to more than {$50.00} in liability against me, even if I unknowingly participated in the phishing scheme, as long as I report the fraud timely which I did. I want my money back. I did not authorize its transfer and Chase is wrong for denying my claim. I have also made an FBI complaint related to the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted this company twice and they refuse to correct the errors on my report. They are indicating the information is accurate. The 2 other credit reporting agencies have corrected my report. I have asked them to remove incorrect names on my report.

XXXX XXXX XXXX - This is incorrect I have no knowledge of who XXXX XXXX XXXX is nor have I ever been related to or associated with any with this name.

XXXX XXXX XXXX - This is an incorrect spelling of my last name.

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 2021-02-11
Company: Rapid Auto Loans LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2020 I entered into a Tittle Loan with Rapid Auto Loan, LLC. The amount I borrowed was $ XXXX@ 31.54 %, which I thought was too high, but because of my financial hardship due to the Covid-19 pandemic I felt that I had no choice in taking the loan, I did not have a job at the time of the loan and due to me not finding employment due to the pandemic. I reached out to Rapid Auto Loans, LLC and explained that I was unable to repay the loan, due to my extreme financial hardship. I was told by Rapid Auto Loan, via text that my payout to avoid repossession was {$3000.00}, which is 200 % of the amount borrowed, ( screen shot attached ).

It is my belief that Rapid Auto Loan, LLC engaged in a predatory action in loaning me the money, knowing that I was not working and wouldn't be able to repay the loan, in which they could repossess my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: REGIONS FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX, a series on letters to XXXX XXXX XXXX XXXX to correct inaccurate information was submitted in writing to provided address. As XX/XX/XXXX, Information has not been corrected. Have filed online disputes and have tried to call for an in person effort to correct the problems, but inaccurate information still remains. 
I have tried diligently to repair credit and correct information as to show positive steps in securing better scores for the future.

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 2018-06-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is calling and harassing me over a debt this is not mine and which is past the statue of limitations, they are violating the FCRA federal laws. I am well aware of my consumers rights, I do not owe this company any money and they have not validated this debt with sending me a signed contract with their company binding me to this debt, proof that this account is not past the SOL which it is, also proof of how much their company bought this debt for, they are violating more than one FCRA federal laws. I am demanding that XXXX XXXX  stop all collection activities and harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-06
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: Their investigation did not fix an error on your report

Complaint:
Loans in forbearance due to XXXX and unable to finish school or work

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 2019-03-31
Company: Experian Information Solutions Inc.
State: MI
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:
This is a problem with Experian, XXXX, and XXXX, and any other credit reporting agencies, not the credit card company. 

The issues is that these credit reporting agencies are failing to properly disclose legitimate details for the XXXX XXXX Plan-it ( copyrighted ) service. These companies refuse to acknowledge the function that " Plan-It '' serves in that you can take up to ten larger purchases and spread the payments out for up to 12 months, for a set fee. When that occurs, the Actual balance is less, but there is a total balance that " can - and will be '' significantly greater than your credit limit. I will show an example, in a second. 

These agencies fail to show XXXX " plan it '', as separate loan, or separate line item. In doing so, they just report balance over limit by thousands of dollars and ANYONE looking at that rejects you for further credit say a car loan, or a cell phone. 

These credit agencies are working in the 1970 's with a fax machine, they need to educate themselves in modern-day 21st century finance and stop recklessly damaging peoples credit with misleading misstated information. 

This is how it works, let 's say your credit limit is XXXX. You buy a roof for the house XXXX - put it on plan it 12 months, XXXX a month plus the fee. The charge comes off, your daily running balance is XXXX, but you " Do-Have '' a total balance ( XXXX ) plus that fee. 

You then build a garage, XXXX, you had a XXXX balance on card, no problem, XXXX plus XXXX XXXX balance due, you then put the garage on a plan it, XXXX plus the fee for 12 months. 

Your balance due now is XXXX plus the fee, and your Aggregate balance due is ... ... XXXX + XXXX XXXX ... .Bingo!!! they report you over your limit. 

The credit agencies Must change immediately to stop false misleading reporting. Every one knows there is NO-WAY a credit card company will allow someone to grossly exceed their credit limit. 

Please get them to change their reporting and stop the misleading reporting.

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