BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following accounts have not been verified or validated. These accounts have been removed from my XXXX  and XXXX  reports ; therefore, they should be removed from Transunion. I recently sent an investigation request on XX/XX/XXXX and its over 30 days and I haven't received anything ; therefore, these accounts need to be deleted XXXX XXXX XXXX-acct # XXXX- ACCT # XXXX XXXX XXXX XXXX-ACCT # XXXX XXXX XXXX XXXX- ACCT # XXXX XXXX-ACCT # XXXX XXXX XXXX XXXX XXXX-ACCT # XXXX Also the following inquiries were not authorized by me and per the law if they were not used for employment, account, insurance, they don't belong. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXX XXXX- XX/XX/XXXX XXXXXX/XX/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 2019-06-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2018 I was contacted by a lawyer claiming to represent a creditor I owed from a loan. I made payment arrangements through said lawyer to avoid going to court. The amount due to the creditor was agreed upon as {$2400.00}. I made {$360.00} in payments between XXXX and XXXX of 2018. In XX/XX/2018 I noticed on my credit report that the balance was being reported as {$2300.00}, which is entirely incorrect as I had made payments which indicated my balance was {$2100.00}. I disputed the account through the XXXX Dispute process and the account was removed due to an incorrect balance being reported. Today XXXX XXXX, I received in my regular mail a notice of hearing for this account in which the lawyer is attempting to reinstate judgement due to failed payments. On the lawyers Motion he states that as of XXXX XXXX I have not made payments as agreed which is entirely false. They also state the judgement amount should be for {$2200.00} plus court costs which is also incorrect due to the payments I had previously made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Chase recently mailed notices regarding changes to its card member agreements. It stated that account holders will be subject to binding arbitration unless a written opt-out letter is sent to an address in Delaware. It also included language with regards to the Military Lending Act. 

According to the MLA, a creditor is not permitted to force active duty military consumers to arbitration. However, I have been told I am not covered by the MLA because I opened my credit card accounts before the XX/XX/2017 date when Chase began compliance with the MLA. Therefore, I am subject to the changes regarding arbitration. I have read over the MLA, and it states that a consumer is covered borrower if the consumer is active duty when 1 ) the consumer becomes obligated on a consumer credit transaction or 2 ) establishes an account for consumer credit. According to Chase, I don't qualify for the 2nd condition because I opened my account prior to the compliance deadline. I don't quite understand the 1st condition, but if I use my credit card after the compliance date, am I no longer obligated on the transactions on my credit cards because Chase says my accounts don't qualify for MLA? Or put differently, I am XXXX XXXX military so don't I become a covered borrower when I use the credit card because I am now obligated on the transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: CCS Financial Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/19 received a notice from Credit Collection Services stating {$840.00} was owed by XXXX XXXX for Creditor : XXXX XXXX. Called CCS XXXX and informed them that we have never subscribed to XXXX XXXX and its not even an option in the area that we live in. The address on their records was XXXX XXXX XXXX XXXX XXXX XXXX XXXX in Washington. We have lived in Utah for over 60 years. The number given to me to call at XXXX was disappointing, they could not bring up the account and wanted additional information that I refused to give because they could not provide any specifics that they were a legitimate business XXXX. 
CCS has called every day for weeks. How do I get them to stop harassing us for a debt that is not ours?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been applying additional principal payments to bank of america auto loan. I spoke with BOA and stated I would like any additional payment be applied to principal and not next months payment. A customer service representative told me I would have to go into a bank or pay by check and could not do this online. If I do not have checks, no checking account with bank of america and I do not have a bank of america near me these things are not possibly. BOA is dictating how I would like my payments and stating it can not be applied towards principal when I am meeting my monthly obligation. I would like this investigated immediately, I believe it to be false and deceptive bank practices.

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 2020-04-30
Company: Experian Information Solutions Inc.
State: IN
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-09-03
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2019 alone this glad collection company threatened to sue me, if I didn't pay them. I informed them to no longer call me, and any disputes they have to submit in writing with proof the bill belongs to me. They proceeded to call over six times this day alone. Not to mention countless other times this has happened to me. When calling, and asked who they are, this company doesn't reveal anything other than the callers first name, and will not state the company they represent. When you try to inquire about whom they work for, without disclosing your personal self as whom they are calling for, they say, " ok, ( name of person they are calling for ), since we know it's you, this glad collection about debt xyz. '' Then after telling them my personal information hasn't been revealed to them, they proceed revealing private information. When asked not to call the number, every time, for 2 up to 4 days after I receive 6-10 calls from their local and 1-800 numbers a day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me getting it back up and going. 
I want to mention that, I know the PayPal User Agreement and I have not violated any policy or law. 
I am not sure if this is some mistake XXXX I asume it has to be. 
I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 
My email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: PNC Bank N.A.
State: OH
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:
I was several months late on my loan payment to PNC, then brought it up to current. They incorrectly applied my payment to the principal instead of to bringing the account current. I have now incurred : - an unknown amount of interest and late fees that I should not have been charged. 
- at least two months of false information being reported to the credit bureaus due to this bank 's error. 

I asked the bank to handle it. I talked to an assistant manager in person at a branch. I was told they have a team just for these kinds of problems and that I would be called within 24-48 hours. The week has now ended with no contact or followup. I have no confidence that they understand what they did wrong or that they will correct it in a timely manner. My credit is ruined, and I can't refinance the loan with another company that will charge me less interest, and they know this, and they have a massive incentive not to fix it quickly. 

PNC also refuses to show me a detailed breakdown of how much interest i have been charged, how much late fees I have been charged. This information is not availbe on their website and the bank refuses to provide it in person. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I started receiving dozens of phone calls from XXXX at all hours of the day. 

No one would ever be on the other end and when I called back they would just hang up on me. 

After doing some research I found the number belonged to a collection agency named MRS . 

Through their website I was able to find their fax number and on XX/XX/2019 I faxed them a letter demanding they stop calling me and if they are collecting a debt to validate the debt via mail. 

So far they have refused to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Nationwide Recovery Group LLC
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a message left on my Oregon cell phone fromXXXX on XX/XX/XXXX at XXXX XXXX   that XXXX XXXX " personal locator '' was calling about some legal document. 

I called back and they said I had a payday loan from XXXX I had not paid. I gave her my debit card number and she charged {$250.00} at XXXX XXXX. 

When my wife got home she told me it was a scam or illegal collections practices because The statute of limitations in Washington is 6 years. I was never informed there was any balance after I paid it. I was never served by anyone. I have never been contacted by anyone about it before today and it does not appear on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09
Company: Tribal Lending Enterprise, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I foolishly accepted a loan from XXXX XXXX XXXX in the amount of {$1400.00}. XXXX XXXX XXXX is a predatory payday loan lender. The payment schedule is {$490.00} per pay day which is extreme. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On a {$1400.00} loan, the fees collected should be {$210.00}. On the XXXX XXXX XXXX website within my account portal, the link to the payment schedule does not work nor does the link to my loan documents. It is impossible for me to see when this loan will be paid off. I do know that paying {$980.00} per month ( on months with two paydays ) or {$1400.00} per month ( on months with three paydays ) is because I am being charged an excessive, bordering illegal interest rate. 
XXXX XXXX XXXX preys on individuals in financial difficulties. It is disgusting, appalling, greedy and should be illegal. They hide behind tribal laws to take advantage of consumers with few choices. 
I fully accept that I must repay the {$1400.00}. I also accept that I should pay the {$210.00} fee for a total of {$1600.00}. I do not accept that I should be paying {$490.00} per payday!!!! At that rate, I will never get out of this cycle which is what " companies '' like XXXX XXXX XXXX hope for. 
I want to settle my account with the following payment schedule : {$200.00} per payday beginning XXXX XXXX. I will make 7 payments of {$200.00} with a final payment of {$210.00}. My first payment will be XXXX XXXX with my final payment made on XXXX XXXX. I want my account marked Current/Good Standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: FIRST ADVANTAGE CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I don't know why In my full name, the middle initial has been omitted, I am applying for a job and my social security card has my complete full name but when they ran the background check, it doesn't match. 
They have in file my name in 5 different ways but none of them match my complete full name and all of those names are the same person, I am all 5 names along with my complete full name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to file a fraud claim for fake checks deposited in my account by a scam. The US Bank Risk Department closed my checking and savings account. They said the local branch has to call and they would walk them through the procedure. I went to the XXXX, IL branch and was told by the branch manager I could not file because it was in the fraud department. They kept my last pay check and said I had to pay for the fake checks.

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 2019-06-22
Company: NRA Group, LLC
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2018 I had a XXXX XXXX  XXXX done. I was XXXX at the time, but due to a strong family history of XXXX XXXX, I had to have XXXX done starting at age XXXX. 

The billing department forgot to code the XXXX with " family history '' and I was denied as " non covered benefit '' because of my age. I never received any notification that this was unresolved until it showed up on my credit report. 

I disputed it thru my XXXX XXXX app, and it was determined that the account was valid. 

I reached out to the Doctors office and explained that it was not clear to me why a XXXX XXXX which is covered at 100 % on my policy is now a negative remark on my credit report and in collections. 

The doctors office advised that they fired their billing agency because this happens all of the time and that they would write it off because it was beyond the 120 days to alter the medical claim, that my chart indicated in several places that this was a covered benefit because of family history and it was an office error that the account was placed into collections. 

It is still negatively impacting my credit score. I have reached out to the credit collections company and advised everything to them about this and they won't do anything about this. 

The {$380.00} is the responsibility of the doctors office. They filed the claim wrong. They waited too long to correct it. They didn't do what they were supposed to do. My insurance company would have paid this at 100 % had the billing office done their job correctly.

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 2020-04-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
CONTACTED TD BANK NUMEROUS TIMES SINCE XX/XX/2019, CALLS EMAILS, ONLINE CUSTOMER SERVICE CONTACT SUBMISSION, WRITTEN LETTERS VIA STANDARD MAIL AND EMAIL. 
TD BANK REFUSES TO ACKNOWLEDGE THE PROBLEM OR ACTUALLY LISTEN TO THE COMPLAINT REPORTED, INSTEAD THE SAME ANSWER IS GIVEN REPEATEDLY. MY CREDIT HAS BEEN SIGNIFICANTLY IMPACTED AND SCORE LOWERED SOLELY DUE TO THIS OCCURRENCE. IT IS THE ONLY NEGATIVE IMPACT ON MY REPORT AND IS INACCURATE. 
TRIED TO PROCESS PAYMENT ON MY TC CARD IMMEDIATELY ONLINE. HOWEVER ONLINE PROCESSING WAS UNABLE DUE TO TD TECHNICAL ISSUES AND A BILLING CYCLE NOT BEING ASSIGNED, THUS NO DUE DATE WAS INFORMED TO THE CONSUMER ( ME ). I TRIED TO PAY IMMEDIATELY BUT COULDN'T. PHYSICAL LOCATIONS WERE NOT ABLE TO HELP EITHER. FOLLOWING THIS, I WAS CHARGES LATE FEES AND INTEREST ON THE BALANCE WHICH WAS PAID IN FULL. THESE FEES WERE WAIVED BUT THE REPORTING TO THE CREDIT BUREAUS WERE NOT ADJUSTED OR UPDATED ACCORDINGLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have two inquiries on my Transunion Credit Report which I didn't authorized the inquiries are XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I want both inquiries removed from 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 2018-11-09
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
On XXXX, XXXX XXXX Chase Home Finance LLC reported to XXXX  that my Home Equity Line of Credit balance was changed from {$25000.00} to {$0.00}. Though this balance was updated in XX/XX/XXXX the report states that it was updated XX/XX/XXXX. This account had been Charged off XX/XX/XXXX and is now reporting Charged off XX/XX/XXXX. 

On XX/XX/XXXX Chase reported to XXXX  a balance of {$0.00} and that the account was ( Charged off / {$25000.00} written off ) with a status date of XX/XX/XXXX On XX/XX/XXXX Chase Reported to XXXX  a balance of {$25000.00} account with charged off status and Date Closed XX/XX/XXXX On XX/XX/XXXX Chase reported to XXXX  a balance of {$25000.00} and charged off account status. On XX/XX/XXXX Chase reported to XXXX  a balance of {$0.00}. 

When Chase update the report to XXXX  XX/XX/XXXX they updated the balance to {$0.00} they also deleted the date the account was closed. The date closed was reporting XX/XX/XXXX. Now the XXXX  Credit Report is being seen by XXXX  and creditors as being open with a charge off date of XX/XX/XXXX. Though this was charged off XX/XX/XXXX. This also caused my XXXX Score to drop significantly. 

These actions coincided with me applying for a mortgage preapproval XX/XX/XXXX. 

I contacted Chase about this account and told them the account was reporting as open and a newer charge off date of XX/XX/XXXX they said that it is being reported correctly across the reporting agencies. They told me the information must be misinterpreted by a lender if they think the account is open since the account has a charge off status and no payment since XX/XX/XXXX. 

My issue with this explanation is they are aware that the information being reported will be misinterpreted as incorrect. Also with a date of status of XX/XX/XXXX for chargeoff how would any one know that it was actually charged off in XXXX. 

I disputed with transunion about the issue with the date closed being removed along with documentation of the incorrect date being reported for Charge Off Status and they responded that they verified it belongs to me. This leads me to believe that they did not investigate since I never disputed that it wasn't mine. 

My complaint is with XXXX and Chase Home Finance incorrectly reporting. XXXX  and XXXX are not an issue.

Company response to consumer: Closed with explanation