BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: NETWORK CAPITAL FUNDING CORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been incorrectly charged in the amount of {$2300.00} for force-placed homeowners insurance when I already an insurance policy, for which I have provided copies of policy both via emails to XXXX and attachments on your company website. Here are the dates that I have provided proof of insurance to the company : XX/XX/2021 An e-mail that includes a screenshot of acceptance of insurance policy on your companys website. 
XX/XX/2021 An e-mail that includes proof of insurance that covers XXXX through XX/XX/2021. 
XX/XX/2021 An e-mail that includes proof of earthquake insurance. 
XX/XX/2021 An e-mail from our insurance agent with a message from one of your representatives stating that forced placed was resolved. 

A letter to Network Capital Funding Corporation was sent on XX/XX/2021, requesting for this error to be corrected and the insurance bill to be refunded. I have not received a response to correct this error.

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 2020-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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 received a discharge for my CH XXXX Bankruptcy on XX/XX/XXXX. Nonetheless, several credit card companies continue to show late payments or other derogatory marks against me on my credit report. It shows up and weighs down my FICO account, and is hurting the Interest Rate I'm able to receive on my home refinance. I reached out to all of these companies through XXXX 's website, but the majority of them were unwilling to correct the false information. Its so frustrating, and feels criminal! I know there's bigger problems in the world than this, but its frustrating because it seems so simple to fix, and should have been done years ago. I have included PDF 's and screen shots that show which companies are included. 

None of the follow should show any derogatory marks or late payments. Its included in the PDF 's as written ( " XXXX  - False Late Payments on Credit Report pre-bankruptcy XX/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 2022-02-28
Company: Trident Asset Management, L.L.C.
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: Investigation took more than 30 days

Complaint:
Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. TRIDENT ASSET MANAGEMENT XXXX has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with TRIDENT ASSET MANAGEMENT XXXX, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting TRIDENT ASSET MANAGEMENT XXXX delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
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: Public record information inaccurate

Complaint:
TO WHOM IT MAY CONCERN : I am hoping filing this complaint through the CFPB will help resolve the disputes Ive previously made with EXPERIAN regarding a PUBLIC RECORD for CHAPTER XXXX BANKRUPTCY. I previously disputed this via certified mail letters, which included : my name, social security #, address, DOB, the exact data being disputed was identified/circled on a copy of a previous credit report, and a narrative/explanation why the info is inaccurate, and requested Experian to delete the information, to investigate the disputed data and to provide me with documentation showing how this information is correct, because it is not. Certified letters were sent to Experian in early XX/XX/XXXX. It is now XX/XX/XXXX. Proper notice has been provided to Experian on numerous  occasions. I have not received any response back and Experian has failed to comply with their investigation requirements, per Federal and State law. I am, again, disputing the accuracy of this data ( Experians 4th notice ) and putting on the public record that Experian has negligently refused to comply and willfully violated their duties under the FCRA including updating the validity of this information. This information should not be on my file. -- -> THE DATE BEING REPORTED, ALONG WITH SOME OF THE PERSONAL INFORMATION ON THIS RECORD IS INACCURATE.< -- - Newly implemented mandates that took effect in XX/XX/XXXX clearly demand Public Records on Credit Reports MUST include and match the name, address, and a Social Security number or date of birth of the individual that record is attributed to, or else must be removed.

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 2023-09-28
Company: Paypal Holdings, Inc
State: OK
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX I received a Business loanfrom XXXX for the amount of {$34000.00}. The terms of the loan were {$590.00} weekly billing.Prior to signing for the loan I was told after fifty percent of the loan is paid off I would be able to refinance the loan and get additional funds. I paid the loan from XXXX through XXXX XXXX on time payments without any discrepancies. The loan was paid off fifty percent so I contacted XXXX on XXXX to refinance for additional funds and was rejected. This puts my business in a bad position to continue to operate. These fraudulent loan practices are unacceptable and are terrible for small businesses. This company needs to be held accountable for these fraudulent tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$5800.00} ; XXXX BANK XXXX Balance : {$10000.00} ; XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXX XXXXXXXX Balance : {$3300.00} ; XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$490.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$8900.00} ; PXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4700.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$6500.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was XXXX  on XX/XX/2017the state of Nj thru VCCO ( victim comp. Fund ) paid all the medical bills they rec authorization to obtain and pay all bills associated to the matter this bill that is now in collections 2years later was also part of that matter.

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 2023-09-28
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was contacted by XXXX XXXX text message XX/XX/XXXX ) saying there was suspicious activity on my account, and they had put a hold/nonpayment on that purchase. I was asked to call. I did. After much discussion the customer service rep found the charge they felt was suspicious plus several others. Same companies, same date, different amounts each charge. Barclays closed the account and sent me a new card/account number. Those charges were removed from the account within a day or two after they were investigated. A day or two later I saw that XXXX transactions had been missed in that fraud claim. ( the rep originally told me that may happen because there were several charges made by the same company/companies ' same date XX/XX/XXXX and to call back and add them to the claim if that happened. ) XXXX XXXX XXXX charged on XX/XX/XXXX and XXXX XXXX XXXX charged XX/XX/XXXX were the XXXX charges missed. I called the XXXX department ( approx. XX/XX/XXXX ) and was told by the representative that those charges would be added to the original fraud charges and removed from my account AND my account would not have to be closed or changed again. However, they were not removed from my account by the time this months statement came out. I have called the company XXXX more times since then. They do not seem to be investigating, removing these fraudulent charges nor responding. I have also hit the " dispute charge " button onthe statement page with no response.

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 2023-09-28
Company: DISCOVER BANK
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I want to file a complaint to DISCOVER BANK. I found inaccurate information in my credit report. I tried to fix the issue by sending them several letters through the mail ; however, I was not satisfied with the results. The account was not verified. Inaccurate information, such as Payment status, payment history, date opened, and status are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 I spoke with a representative called " XXXX '' who stated that Central Portfolio Control sent a letter to my old address at XXXX XXXX XXXX. in XXXX this was after I called them due to not receiving the first notice they claimed to have sent to my old address, and I requested a letter sent to my current address TWICE. They have sent me nothing via USPS and I have no clue what this alleged debt is in connection to, I will be disputing with the attorney general, as well as following up with CPC to find out just how they are attempting to collect on an alleged debt when I have no clue who they are, nor is there any proof of me doing business with them. They have posted this derogatory remark to my consumer report illegally and without merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was offered a loan by Lending Club. The loan was approved under account # XXXX with a payment of {$270.00}. The first payment was due on XX/XX/2020. Although the loan itself was a predatory, on the same month of XXXX, Lending Club offered me a XXXXmonth deferral disguised under a scam. I accepted the deferral. However, what I did not know and was not advised of was that my next payment would only go to interests. The deferral ended on XXXX and on XX/XX/2020, Lending Club withdraws the regular payment from my bank account. Of that {$270.00}, they applied {$260.00} to interests and only added XXXX$14.00} to the loan principal. It was until I try to pay the loan, I notice what had happened. I called Lending Club to bring to their attention that I was not aware nor advised that under the deferral, my next payment would almost only apply to interest, and requested the waiver of a portion of the interest amount deducted from my payment. They refused to do so. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-10
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to formally file a complaint against Transworld System Inc, a collection agency, regarding their unethical and damaging debt collection practices. I believe that these practices are not only harmful to my financial well-being but also raise concerns about the legitimacy of the debt being collected. 

Firstly, I am deeply concerned about Transworld System Inc 's practice of splitting one account into two separate collections. This action not only confuses the issue but also has a detrimental impact on my credit history. I have observed that they have divided the debt associated with my apartment lease into two separate accounts, without any reasonable explanation or justification. This appears to be a deliberate strategy aimed at causing further damage to my credit report, which is not only unfair but also a violation of my rights as a consumer. 

Secondly, I have serious reservations about the accuracy and fairness of the debt being collected in the first place. The original creditor, my landlord, is apparently adding unfair charges to the debt, including excessive rent charges and unjust tax charges. It is crucial to address these concerns as these additional charges appear to be arbitrary and unsubstantiated. I have the right to request validation of these charges and their compliance with relevant legal and contractual obligations. 

Finally, I have to point out that my lease agreement was between me and XXXX XXXX XXXX, not with XXXX XXXX. I believe that both companies are different, and if they are indeed different, this collection should not exist The kind of actions and behavior exhibited by the collection agency are intended to compel me to pay an unfair balance. Actions such as splitting one account into two prevent me from renting a new apartment, and this kind of conduct could lead to homelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, Im writing you today because your organization is reporting XXXX incorrect addresses on the XXXX Report. Please look into removing these incorrect addresses because it makes me look unstable. I should only have XXXX address and that address is on my attached XXXX XXXX. Please remove the following addresses : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and the other incorrect address is below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-02-08
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hi my name is XXXX XXXX i opened a account with chime about 4 weeks or maybe more and prior to opening this account i was working for and older fella that as past away and his son jon was spose to pay me for the work that i did for XXXX and i worked for XXXX for 3 months without pay but a few buck here and there cause we agreed on me getting XXXX that is why i opened up achime account and since i opened up a chime account i was sitting in my hotel room one day bout 2 weeks ago and i got an email that my email that was on my chime account got changed and because of having two strokes in my life i have brain trauma and mental XXXX and memory loss but i called chime right away to talk to them about it and then some time after i had put a hold on my account after talking with chime someone changed all of my info on my chime account and now i have been drealing with chime support for the last 2 to 3 weeks of them telling me that i need to senf in verification details so i did that at least 3 to 4 times sland gave them the email and phone number and a few pic of me holding up a piece of paper with my id for verification and i did that and nothing at all and i had two deposit put into my chime account two weeks ago snd now i cant even get access to none of my money that i worked for it was two jobs that i did for the money that i got deposited into my chime account but chime as done nothing to get my account back so now im out XXXX on one deposit and 60 on the other deposit so i have been struggling ever since i have worked for XXXX and now chime does not want to help me get my money back ormt account bsck from the person who stole my money and account and i dont no what to do cause of my XXXX so if someone could help me out to get my funds back so i can better my life that would be greatly appreciated and because of my brain injury i do not understand thing i read and or are told to me so yhe money that was taken from me was to get my life back on track to get my license back and to get a vehicle so i have to put my life on hold again so i can get this taken care of buu i need that money as soon asXXXX possible and they can put it into my XXXX XXXX  account and if they need my account details then the ceo of chime can call me and i want himor her to handle everything on getting my money to my XXXX XXXX account after they call me to get my bank details

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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