BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-14
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
A loan was taken out in my name in XXXX, XXXX through XXXX XXXX. I was the borrower and mother was the co-borrower. This loan was taken out for {$27000.00} so I could complete my XXXX college education at XXXX XXXX University. Upon my graduation in XXXX, XXXX I had started to make the monthly payments with the loan servicer, XXXX. Due to lack of steady income I eventually defaulted on my loan and it was sold to multiple debt collectors over the years. Over the years since XXXX, I attempted to pay what I could on this loan. I was still never able to make the minimum monthly payments over {$500.00} for this loan so my loan continued to get sold to different debt collectors. From XXXX, XXXX through XXXX, XXXX I had been working with the debt collector, XXXX XXXX XXXX and making monthly payments between {$100.00} - {$300.00} until I lost my job in XXXX, XXXX. XXXX XXXX XXXX told me they would continue to work with me if my situation changed. I got a job in XXXX, XXXX and called XXXX XXXX XXXX to start making payments again. However, when I called I was told that my loan was no longer with them and they did not know who it was with. Today, XX/XX/XXXX I received a letter in the mail from a law firm reaching out to help me with a lawsuit that has been filed against me by XXXX XXXX XXXX. I have not been served or summoned so this advertisement I received from the law firm was my first knowledge that I was being sued by XXXX XXXX XXXX. 

I believe that XXXX XXXX XXXX is using deceptive collections practices by filing a law suit against me more than 10 years after I defaulted on this loan. The statute of limitations for private student loans does not exceed 10 years in most states. I took this loan out in XXXX and defaulted on it more than 10 years ago. By getting me to work with debt collectors and making fruitless payments in hopes that this would not happen, they have deceived me so that the statute of limitations re-started for them and they were able to file a lawsuit against me. 

For reference, my loan started at {$27000.00} in XXXX, XXXX and is now at {$44000.00} to date ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Computer Credit, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My Name is XXXX XXXX XXXX, In XX/XX/2017 our son got into the emergency room at XXXX XXXX ( XXXX : XXXX ). Our health insurance carrier at the time was XXXX XXXX. While the above hospital was out of network we were covered for emergency room visits. 
XXXX XXXX is refusing to partiality pay the bills and now we are receiving collection bills. 
We called XXXX hospital and were told not to worry since we are not responsible ( we have notes of dates, times and names of the people we spoke too ). We appealed through XXXX XXXX and followed all of the possible avenues. 

Attached is the collection bill, copy of our previous insurance and some of the previous bills. 
We can be reached at XXXX for further clarification. 
Thank you so much. 

Yours, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received my credit report from the three major credit reporting companies and noticed that my credit score from TransUnion was significantly lower than XXXX  or XXXX. 
I found that derogatory misinformation had been posted by XXXX XXXX servicing showing a mortgage payment of 120 days late in XXXX or XXXX loan had actually been serviced by XXXX XXXX XXXX XXXX  since XXXX of XXXX. Not XXXX. We sent a bank statement and photo of the cancelled check for the mortgage payment to XXXX to correct the error and their response was the account with them had been closed and they couldn't do anything about the misinformation. We contacted XXXX XXXX XXXX and they couldn't do anything because it came from XXXX. We then entered a dispute with TransUnion and the dispute was rejected ( twice ) even though we provided proof of the payment and proof that XXXX had no reason to submit any derogatory info for the time period of XX/XX/XXXX. All we asked was that info be removed and the credit score to reflect ongoing payments. Now TransUnion says if the dispute is still not resolved, we can submit a 100 document with further explanation. We submitted all of the required documentation on two occasions that should have resolved the issue, yet, TransUnion is unwilling or unable to correct an obvious problem.

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 2020-01-24
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeat calls to my place of employment. 

On average 5 calls a day From XX/XX/XXXX - XX/XX/XXXX Asked them to not contact my employer, but they ignore my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XX/XX/XXXX I received in funds to my Bank of America checking account. I had closed an investment account and has received in {$160000.00}. My intent was to move the money to my XXXX investment account. I accidentally sent to funds to my XXXX Visa Card. ( It was an easy mistake as the the two are listed next to each other on the website for transfers. ). Realizing my mistake I called and sought to unwind the transfer. 
After 8 days, numerous calls, I still cant get access to my funds - they are stuck as a credit on my credit card. 
I am an 18 year customer of the bank. The funds moved from my checking account to my credit card. I am a former employee of XXXX, a lawyer and a certified anti-money laundering specialist- there was nothing that qualified as suspicious about moving money between my accounts. Yet after 8 days I have not been able to get access to {$160000.00} and have missed out on potential investment opportunities as a result of Merrills inability to respond to my request to correct a simple clerical error. 
Calling every day I was given different excuses for the delay and different expectations about when the funds would be returned. At this point I have {$160000.00} credit on a Visa card that is useless and no rational explanation for the delay. I hope you will investigate.

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 2020-09-05
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XXXX of 2019 I opened a CITI BANK credit card. Recently they put a late payment on my account. This was an auto bill pay issue and the bank recognized this as a problem on their behalf. I have disputed this issue and I am still waiting for this to be resolved. This is now on all three of my bureaus and has greatly lowered my 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 2020-07-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am upset to know that my information has been compromised and used under false pretenses. I have not authorized any of the false inquiries impacting my credit. I have no knowledge of any of these inquiries and would like them removed as soon as possible.

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 2019-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital One I got hit with a hard inquiry on Inquiry from XX/XX/2018. 
I had spoken with this company and when I asked for a increase that it would be a soft pull because I didn't want any hard pulls on my credit, they told me would be no hard inquiry once i noticed there was one on my XXXX XXXX I contacted them right away. They said they would give me a courtesy removal as long as I make my payments which I have been doing. I had called them again Around XX/XX/2018. I never signed any documents giving any permission for a hard pull and would just like the courtesy removal as promised by there customer service team and sales reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I purchased an item from XXXX  XXXX XXXX on XX/XX/XXXX. They had my card on file. On XX/XX/XXXX, XXXX, and XXXX they charged me for {$1500.00} each charge, totalling {$4500.00} without my permission. I reached out to XXXX XXXX, at XXXX  XXXX XXXX and he claimed that it was a mistaken charge and that he would issue a refund. I waited a couple weeks but never saw a refund, so I reached out to my bank, Chase, and asked them to begin a credit card chargeback. They credited my account for the total amount while they investigated. They reached out for more evidence on the dispute, I provided them with all of the contact from the merchant, including him admitting that it was a mistaken charge, that he had tried to issue a refund, and that there was no invoice or record of me asking for the charges to be made. 

Somehow, Chase ruled in the merchants favor and I was told that I would need to physically mail Chase to reopen the chargeback, or they could transfer it to their fraud department. I asked them if they thought that was the right way to move forward and they said sure, and transferred the dispute to the fraud department. Fast forward another month and the fraud department has also ruled in the merchant 's favor, even though he claims he has never fought the disputes and even told his CC processor, XXXX, that he did not want to argue the charges. I need my bank to protect me when someone just runs my credit card without my permission. That is literally one of the only reasons they exist and I will absolutely cease to do business with them if this is how they handle their disputes when someone was literally stolen from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2021-01-30
Company: JPMORGAN CHASE & CO.
State: TX
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:
My sister and I booked a trip through XXXX ( itinerary number XXXX ) on XX/XX/2021. The total amount charged was {$4200.00}. I cancelled the trip on XX/XX/XXXX and was informed that my credit card would be refunded {$3600.00}. I received email correspondence from the XXXX representative showing this amount that would be refunded after cancelled itinerary. However, only {$2400.00} which was for the hotel was refunded. I disputed the amount of {$1800.00} with Chase United Credit Card. My credit card company initially refunded but then rebilled the amount stating the charges were valid. I contacted customer service at Chase United Credit Card and was informed that XXXX issued me a credit in the amount of {$1800.00} and that disclosures and terms of service were sent to me. I filed another dispute requesting my credit card company to reopen the case and provided documentation that contradicts the merchant response. Chase Credit Card did not investigate further nor did they even look at the correspondence provided. They simple rebilled the {$1800.00} and I have nothing to show for it. XXXX doesn't have a XXXX credit for travel although their response to Chase Credit Card was I did. On XXXX 's booking confirmation it says " We do not charge a cancel or change fee '' so I'm confused as to the information Chase Credit Card received from them to validate the disputed amount. I am not in a financial position to just walk away from {$1800.00} without anything to show for it whether it be my refund or travel credit. XXXX has tied up my funds with promises from one their representatives of refunding but my credit card company has done the most damage by not properly investigating the matter after email correspondence was given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: HW Holding, Inc
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a written debt validation letter certified to Hunter Warfield in regards to an outstanding balance from XXXX Properties. 

On XX/XX/XXXX I received a verification of debt letter dated XX/XX/XXXX from Hunter Warfield. On XX/XX/XXXX I contacted Hunter Warfield in regards to outstanding debt, and was notified that the account had been reported to the credit agencies on XX/XX/XXXX, during the 30 day Debt verification process. 

Account reported during Dispute period, which I believe may have violated my rights under the Fair Debt Collection Practices act and may constitute as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
have tried contacting all 3 credit bureaus as they are reporting my XXXX XX/XX/XXXX as dismissed/closed. This is not the case. Talked to Court today XX/XX/XXXX again, XXXX and talked to my XXXX attorney both said to contact credit bureaus again as they are reporting incorrect information. A letter was provided to me and sent to attorney, according to court records my plan has been completed. ( all creditors on plan were paid in full as agreed ) could not discharge due to within 4 years of XXXX XXXX. This statement is on the court letter, but XXXX was paid and completed. I sent a copy of court BK letter to creditors and all 3 credit bureaus ( XXXX, XXXX and Experian ) and still left incorrect information. Court says bureaus reporting wrong and to go back to credit bureaus. ( which I did ) no change. What this incorrect information causes my credit score to go back to XXXX from XXXX and all the creditors that were paid are now coming back for collections and charge offs. I have all original letters if needed.

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 2019-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In 2015 I was a victim of credit card fraud with XXXX XXXX credit card. The account was closed and paid in full. This account was sold after closed and paid to portfolio recovery services who continues to report the account as a new debt, four years delinquent and continues to report it as a new debt monthly which has ruined my credit. The credit bureau removed the acct since they could not provide any documents on the debt. Later they again began the same acts only changed the spelling of my name and acct digits again reporting it as new debt. I lost two jobs and a apartment because of this being reported as a new debt it is Not new or owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: General Information Services, Inc
State: AL
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: Public record information inaccurate

Complaint:
My background report in my criminal history is wrong I have never been convicted  of any felony  at this time nor have I ever. And it claims i am guilty of two XXXX  in the first  and 6 pending?? GSI needs to understand the negligence on their part and understand this is someone's life they are reporting not nothing less and they hold it in their hands when we dont get a job or loose a job cause of them..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
You keep saying you verified a bankruptcy with XXXX XXXX yet I have attached documentation showing XXXX XXXX couldn't even verify the information and removed any implication from my file yet you keep leaving it on my report. I AM GOING TO FILE SUIT UNLESS THE ACCOUNTS ARE REMOVED. I have proof and documentation from ALL the original creditors stating they have no contracts with me and or can't verify the information so who did you verify with? You continue to use E-Oscar to " verify '' inaccurate information and continue to leave it on my report. This is my LAST time trying to correct this then you force my hand to file suit and seek damages and {$1000.00} per violation.

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 2020-01-24
Company: EQUIFAX, INC.
State: GA
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 settled a XXXX  XXXX collection balance with a law firm. ( Account number XXXX ) I attached the SETTLED IN FULL letter to the disputes at the bureaus. The bureaus left a balance on the file. This is a violation of my rights under the Fair Credit Reporting Act. 

According to Section 611 ( a ) ( 1 ) ( A ) of that law : Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's 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 or reseller.

The key phrase in that paragraph is : " RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE '' The current status is that the balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Patrick K Willis Company Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a voicemail today from XXXX from investigator XXXX XXXX with an inquiry about a neighboring address. The name of the company was not mentioned. I figured it was some kind of scam. I called the number out of curiosity just to see what the company was then hung up, did a XXXX search, and found this site. SB Investigators is the name of the company. I have no intention of calling them or answering any of their calls.

Company response to consumer: Closed with explanation