BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a response to my previous CFPB complaint regarding the account Midland credit management acct XXXX stating that this debt was purchased from another creditor and that the inaccurate information was not placed on my credit report by them. As you have mentioned in your response the FDCPA governs you collection practices and you have admitted to so many violations. If the original creditor which is XXXX XXXX has charged off the debt that loss was placed on their XXXX return which would make the debt be written off. At the same time a XXXX should have been given to me to file on my tax returns because that charge-off would be considered to be gross or ordinary income according to the IRS. Now you have just admitted that you purchased this charged off debt which is illegal because that would mean though XXXX XXXX wrote it off they were still compensated for the sale of the alleged debt. Now 15 USC 1692f ( 8 ) clearly states that Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Your company has violated this law along with 15 USC 1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. You have violated my privacy rights by admitting you purchased my personal information from another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I settled account with XXXX XXXX in XX/XX/2022 for {$3000.00}. I have received XXXX settlement in full letters stating the account is closed and payment was received. XXXX letter received in XX/XX/2022 and XXXX in XX/XX/2022. However, the credit bureau is reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have tried to dispute with credit bureau XXXX XXXX and it has not been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: MI
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 sent two letters to Equifax via certified mail requesting them to remove hard inquires on my credit report that are unauthorized. The first letter was sent XX/XX/XXXX and they have yet to respond or complete the investigation to that letter. I sent another letter again CERTIFIED MAIL on XX/XX/XXXX. I received response from Equifax this time dated XX/XX/XXXX. The request that I submitted included 7 hard inquires that are UNAUTHORIZED and I received the same response for ALL inquires, which was " inquires are factual record of file access ... '' Further more the fact that I received a response only 9 days after I mailed the letter, one can only assume that there was no investigation into the matter, nor was I provided the requested PROOF that these were factual inquires. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. On two separate occasions Equifax not only failed to provide the requested proof I consented to these inquires via FCRA section 609 and 605 they also FAILED to respond or investigate in the 30 days required by 15 U.S.C. Sec. 1681i ( a ) one occasion. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into TWO disputes for hard inquires that do not belong to me and reporting inaccurate information on my credit report. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of the consumer. To protect myself as a consumer I have placed a fraud alert on my credit report due to this unauthorized activity. I now need Equifax to act in according to the FCRA by removing this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Mr. Cooper Group Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage company transferred my loan on XX/XX/ from RUSHMORE LOAN MANAGEMENT to RUSHMORE SERVICING/NATIONSTAR The company is showing account closed instead of transfer. Also, Rushmore Loan Management is reporting me 90 days past due when in reality my payments have been transferred to Rushmore Servicing. Company has made a mistake and needs to correct the problem. They are quick to put negative information on your report but slow at correcting the mistakes. please assist in this issue as this is impacting my ability to get fair and reasonable credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XXXX i opened a checking account, i had a check i deposited a check for XXXX that i has received, in the meantime i had a wire come in from my a Attorney office or a lone on my house on XXXX a few days after the wire came in they told my the check was a fraudulent check, I never tried to touch the money. They closed my account. I am a widow with no Access to any money. I just want my wire Released.,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My account number is XXXX the banks stated that my balance was XXXX. So, XX/XX/XXXX I paid {$5500.00} and made a request for the bank to send me, my payment history. I called twice request a copy of my payment history, as of XXXX, since have not received it. I paid XXXX XX/XX/XXXX and my balance was {$610.00}. I didn't receive any decrease in the interest. So, I sent {$610.00} because I wanted my credit report to show the accounts paid off. As Of XX/XX/XXXX, the check for XXXX hasn't been cash and payment history has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 received a copy of my credit report and found unauthorized inquiries on 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 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSET AND KNOWLEDGE. THEY USE MY ID TO OPEN PHONE BILLS IN MY NAME. THE PERSON ALSO RECIEVED MEDICAL ATTENTION UNDER MY NAME WITHOUT MY KNOWLEDGE. I AM WRITING TO REQUEST AND INITITATE A FORMAL COMPLAINT AGAINST XXXX, TRANSUNION, AND XXXX CRA & # XXXX XXXX. ON XX/XX/2020, I MAILED XXXX, TRANSUNION, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/OR FAILED TO REFUSED TO BLOCK USAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICE FOR OTHER POSSIBLE VILOATIONS OF THE LAW.

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 2023-12-12
Company: Driveway Finance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Did not receive car title

Complaint:
On XXXX  i signed documents for a car loan XXXX XXXX with driveway finance for a XXXX XXXXXXXX XXXX  to be delivered from driveway.com. Driveway financed has verified this loan is open and it's present on my credit file at XXXX XXXX XXXX XXXX When I tried to set up delivery with driveway.com they are saying that the loan is not in their system. I contacted them almost 2 weeks ago and was only able to Speak to a guy named XXXX at Driveway.com that said he would look into it. I have not gotten and update from him and every time I call I only get voicemail now and no one ever returns my voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A XXXX XXXX charge was fraudulently made against my credit card by an unknown third party and the merchandise was erroneously delivered to my address. I contacted XXXX XXXX in XX/XX/XXXX and was told that they would make arrangements for me to return the merchandise via XXXX and that someone would contact me. They provided me with case # XXXX. The next contact I received was a letter from the collection agency about which I am complaining. I contacted XXXX XXXX again and was told that they would not make arrangements for XXXX to return their merchandise to them and that I would have to return the merchandise to a XXXX XXXX store. I returned the merchandise on XX/XX/XXXX  to XXXX XXXX store # XXXX and was issued receipt # XXXX. I advised the collection agency of this and requested that my record be cleared. They responded by insisting this is a valid debt of mine and they refused to contact XXXX XXXX to confirm that the merchandise had been returned to them. I have subsequently sent them proof that this is not my debt and that XXXX XXXX considers this issue to be resolved. I then sent six additional requests to the collection agency, none of which have even been acknowledged by the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit 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:
This is a case of conflict of interest against the consumer, summarized as follows : Credit issuer is declining to issue a chargeback to their partner store card merchant for defective merchandise returned, because their partner store card merchant feels their return policy has been violated [ paragraph 5 ].

Credit issuer admits in their attached letter that they are " ( not ) responsible for handling matters related to sales, merchandise processing, returns and shipping. '' [ paragraph 4 ] Yet credit issuer, despite acknowledging in their own words that " the laptop was liquidated ( by their partner store card merchant ) '' [ paragraph 5 ], refuses to refund the consumer for a defective device no longer in the possession of said consumer - flying in the face of their immediately preceding assertion, instead acting as the enforcer of the return policy. 

If there were no conflict of interest and the credit issuer claim that " Comenity Capital Bank and XXXX & XXXX XXXX are separate entities '' [ paragraph 4 ] were truthful ; credit issuer could only have decided on the logical basis of the physical possession of the defective merchandise, instead of a third party return policy. Clearly this is not the case as credit issuer has based their decision on an ostensibly third party return policy instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
We closed in XX/XX/2022 and since then it's been one thing or another with the title. And now it is still not retired as indicated at closing by Homebridge our lender at the time of closing. It closed and funded. The loan was bought by XXXX XXXX and the title is still under Homebridge as well. And they won't change that either. It became an issue when we tried to refinance and the title was not retired as was indicated by Homebridge to the title company. It's been an ongoing struggle with all companies. And neither have come up with a solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
Earlier this year Navy Federal credit union did an unauthorized transfer from my checking account to an installment loan without notifying me. This resulted in checks that I previously written being returned for non-sufficient funds. Navy Federal then charged me a NSF returned check fee, when the reason there was not sufficient money available and the returned was because they took it upon themselves to make an unauthorized transfer out of my checking account without notifying me. Then Later they completed another unauthorized transfer from my checking account to a revolving line of credit as a payment. I did not authorize this transfer either and was again not notified. That and that unauthorized transfer over-drafted my checking account. Most recently Navy Federal yet again did an authorized advance from my line of credit to my checking account to cover the overdraft that they caused In the first place, and the bogus fees that also were a result of their bad business practices of transferring money between customers accounts without notification or authorization. The unauthorized draft that they did from my line of credit account put my line of credit over its credit limit of 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 2017-10-24
Company: Harvard Collections, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and noticed that this company has reported a debt that I have paid to another collection agency. It was paid to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I wanted to inform all parties that in the last XXXX ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and Disclosure, 623 A1 Responsibilities of the furnisher of information. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] FINAL NOTICE I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

Please delete the following inquires : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I basically lost my card before I left the us for vacation I saw the transactions 2 days later so I called them & told them they gave me my XXXX & I was good It wasnt until a month later I check my account & its negative with the same amount they gave so I called & told them & they said that happens sometimes & I owe them money now. I also asked what can I do to fix the problem & they never told me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2023-12-12
Company: GOLDMAN SACHS BANK USA
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/2023, I called what I thought was a XXXX XXXX account to tell them of an email I received that there was a charge of about {$600.00}. The person that answered the phone said that I would have to change my XXXX password and that he would help me with that process. I had asked if what he was telling me to do was applying for an Apple Card, that I did not want an Apple Card. He told me no. On XXXX XXXX I got a call from Goldman Sachs Bank asking if I had applied for an Apple Card. I replied no. Explained to her what had happened. They recommended that I contact the XXXX credit reporting agencies to freeze my reports. Also, contact the police for a report so I can send it to them. On XX/XX/2023, I checked my equifax credit report and there was an Apple Card charge on there with a balance of {$5400.00}. After that, I had went online to XXXX and disputed that charge. Monday, XX/XX/2023, I called XXXX to put a freeze on my credit report. Monday afternoon I went the police department and filed a fraud report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX I requested student loan payments I made earlier this year be refunded in accordance with HEROES act totaling just over $ XXXX. After XXXX weeks of no action I called Aidvantage on XX/XX/XXXX and was told the request had been waiting on supervisor approval but was not currently planned for approval. I eventually got said approval requesting the refunds with no further delays. I was told to expect to wait XXXX weeks from XX/XX/XXXX for full refunds. I am now XXXX into waiting for my payments to be refunded in-full as requested. {$4500.00} as of last week has started showing with nothings else reported. Please see attached documentation and listing below. 

Payments : XXXX {$4000.00} XXXX {$8300.00} XXXX. {$7600.00} XXXX : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: TX
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:
I settled account with XXXX XXXX  in XX/XX/2022 for {$3000.00}. I have received XXXX settlement in full letters stating the account is closed and payment was received. XXXX letter received in XX/XX/2022 and XXXX in XX/XX/2022. However, the credit bureau is reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have tried to dispute with credit bureau multiples times and it has not been corrected.

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