BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call in XX/XX/2018 about a XXXX dollar debt from XXXX.I told him this must be fraud and called XXXX about the debt.XXXX also stated it must be fraud because they had my account for more than 5 years with nothing owed on their system.Natioal recover put e in collections for a 4 year old account i was not aware of and my credit went down 30 points.I reported the National Recovery Agency twice for fraud.I received notice the account was valid.As I paid National recovery I asked why did they never contact me by mail.They said they are not responsible for mail.I paid amount owed and asked to have collection removed from my credit report. They said it was not up to them but they would put  in a request.

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 2020-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
i having trouble using my card im days away from being XXXX  and recently just got over symtoms of XXXX  i can barley use card without them restricting it this is the 3rd time ive tryed to resolve this with them they told me to transfer my money to other bank and when i tryed they placed a hold on my account again im tired of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: CT
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:
It is showing I am late on my student loans. I have not been late. It also has 4 closed accounts under dept of ed/XXXX  I do not know who this account is. I did try calling XXXX XXXXXXXX, and they directed me to XXXX whom said I would have to speak with XXXX and could not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a dispute disputing this account and this company failed to respond within the 30-45 days time frame. I requested for proof of documents because this account was to be paid off in full and is still incorrectly reporting and hindering the growth of my credit score.. XXXX has not responded or provided any type of documentation supporting this account.

Also this account is reporting every month negatively on my report dropping my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Experian Information Solutions Inc.
State: TN
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:
To whom it may concern, I have been in the process of strengthening my Credit Score over the past year. 
I went from having started with a score of XXXX I went up recently into the mid XXXX 's. I have opened XXXX new credit cards with XXXX, XXXX & XXXX. I have also opened up a Business Checking Account with XXXX. 

In the last week, my account has decreased by ~50 pts. This was unbelievable to me since my score has been growing slowly as I've had new accounts and have had an impeccable payment record. 

I would like to have this investigated as to how this happened and why this system scored me the way that it did under the U.S. Equal Credit Opportunity Act. 

To give you some reference, I have never had more than a few thousand dollars in my bank account or more than {$2000.00} of available on a credit card. Now, I have $ XXXX credit available and $ XXXX in my bank account and my credit score has gone DOWN! 

This is troubling to me that this is the algorithm allowing Americans access to certain Loans, Credit, Housing, Etc. 

I would greatly appreciate a timely response, XXXX 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 explanation
Consumer complaint received 2019-03-07
Company: Delbert Services
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX called me on XX/XX/19 at XXXX from XXXX. He left a voicemail for me to call another number and that they were going to serve me at my home or job if I didn't call them back to resolve this issue. When I called the number back he stated I owed a " XXXX XXXX '' a debt for an online loan. I advised him I don't know nor ever heard of that company so while he was talking I XXXX searched and found a lot of scam type responses. He became to get upset and tell me that if I did the same for XXXX I would find the same. He got even more upset when I said that is not true, as when I do XXXX their website and other things come up. He began to then shout at me was I going to listen to him or just go on about search results. I advised him that all I ask is that you send it to me in writing to validate and once that is done we can go from there. He got even more upset and started stating that they have sent it to me and it comes back undeliverable. I stated well it sound like you guys may not have the right person and wanting me to pay for something I don't have in writing is crazy. As I was stating that he started shouting " oh my XXXX '' and " are you going to listen ''. Because I continued to talk he said " good bye sir '' and hung up. All I want is something in writing so I can further investigate and if it is determined this is something I owe then I will settle.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-16
Company: Block, Inc.
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
SQUAREUP POS holding our money, don't let us deposit the money customers pay our service to our business bank account. Unable to contact customer service. Call customer service 10 times a day for 4 days but nobody answer only robots. Violation holding our money 90 days without asking for permission or any clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a dispute disputing this account and this company failed to respond within the 30-45 days time frame. I requested for proof of documents because this account was to be paid off in full and is still incorrectly reporting and hindering the growth of my credit score.. XXXX has not responded or provided any type of documentation supporting this account.

Also this account is reporting every month negatively on my report dropping 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 2019-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a Credit card with a limit of {$4000.00} at Bank of America. They closed it on XX/XX/XXXX without me being informed ( per XXXX review the card periodically ). Now as of XX/XX/XXXX, I paid the entire amount of {$3800.00} for my card to be in good standing. 

I know there have been changes in my financial as I was on XXXX since XX/XX/XXXX due to high risk XXXX and up until now due to XXXX. My baby has passed away XX/XX/XXXX. 

Now I feel like this is unfairly discriminating because Bank of America after I paid the whole amount just all of a sudden closed it saying their excuse that they review credit account prediocially. Why did they not review it a month ago?! Or next month?! They did not even give me as their loyal consumer a chance that maybe this time I will be able to cope up. 
Now, I paid the whole amount thinking really that it will be for good and not this!

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 2023-05-16
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Getting a fair calculation of a credit score is beyond a major problem, It's XXXX XXXXXXXX bias to incorrect data! Data about the current scoring model shows that more than one in five XXXX consumers and one in nine XXXX consumers have FICO scores below XXXX ; meanwhile, one out of every 19 XXXX XXXX are in the sub- XXXX category. 
I certainly found out why that is true. I recently had loans forgiven and also paid down debt totaling nearly {$25000.00}. My score only went up XXXXXXXX XXXX XXXX XXXX I called XXXX on XX/XX/XXXX  and questioned the score. I was told that they had nothing to do with score calculations and that it is calculated by a computer after it receives certain information. I could hardly believe I was hearing this explanation. 
I was then told I had to work at making my payments on time and my score would raise a little bit at a time each month. I was treated like my score was in the low XXXX. I told her that my score was XXXX at XXXX and it's XXXX at Equifax. She was speechless. This certainly proved the scenario that I included in the beginning of this complaint had indeed some truth to it. The agent I spoke with talked to me as if I was another XXXX person with a bad credit score. 
Not only did the agent and supervisor think the XXXX XXXX score was fair, they let it sit on may report for 60 days before acknowledging it which purposely delayed the XXXX increase. XXXX XXXX! In what world is this close to being fair?! 
I am asking for my REAL credit score and for someone to examine the current scoring model that they use each day because it is definitely unfair and biased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Foursight Holding LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
At the purchase of my the car from on XX/XX/XXXX I requested that the sales man put my XXXX payment due on by the XXXX of the mth. My XXXX payment was due on XX/XX/XXXX. The finance company-Foresight capital took 45 days or more to send me the information and get it uploaded into their system so I was not able to make a payment. The information became available, the finance company had it due on the XXXX of every mth. I requested a payment due date change due to their error. The company made me pay XXXX for it. When payment arrangements were set the representatives stated that they could only be made 7 days before the payment drafts. I repeatedly let the representatives at Foresight capital know the funds would not be available orior due to me getting paid every 2 weeks. They drafted from my account in 5 days on more than one occasion which causes my account to go in overdraft. Then they added NSF fees to my car loan which when I pay the loan I constantly pay more and interest rates increase. I have notified Foresight capital that I filed a 1099A and 1099C with the IRS and their 1099c should have been received at their main office. They are still pursuing the debt by harassing me calling all times of day and night and harassing my references which I provided as income verification at the time of the loan, even though I have been sending in my payment coupons they have been accepting them and not returning them which is a cesti que trust violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Perfection Collection
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted 'Perfection Collection ' via phone XXXX on Tues. XXXX XX/XX/2019 to make them aware of a law suit pending with XXXX  XXXX XXXX XXXX XXXX ( I believe them to be one of the same owners ). I also explained that XXXX XXXX XXXX XXXX was in breach of the contract ( XXXX did NOT call police ) and Perfection Collection stated that I would still have to pay them ( because they supposely bought the debt from XXXX ). 

I asked Perfection Collection to forward me a copy of contract that states I still pay when XXXX is in BREACH of their contractual agreement. As of to date Perfection Collection has this BOGUS debt reporting on my credit reports and to think this company was trying to practice " perfection '' These 2 companies ( XXXX XXXX XXXX, XXXX and Perfection Collection ) are working together ( BOTH are located in XXXX, UT ) and scamming people out of money. I also have found that XXXX XXXX XXXX has had many businesses that have been shut down ( all indications are there and they are NOT good )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
J.P. Morgan Chase bank foreclosed on my house on XXXX XXXX, 2017 without Notice as required by law. I notified the attorneys of the deficiency  many days before foreclosure and they ignored my notification and foreclosed anyway. 

J.P. Morgan Chase Bank qualify as a third party debt collector as defined by the FDCPA 15 U.S.C. 1692a ( 6 ), hence not a security interest and has no right to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was denied a loan by Goldman Sachs Bank after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were XXXX and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: FMS Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX XXXX CST, SPOKE WIT XXXX  WIT XXXX XXXX XXXX WAS ADVISED 2 ACCOUNTS IN COLLECTIONS : XX/XX/XXXX {$83.00} WAS ADVISED XXXX   WAS GIVEN AND XXXX  FOR XXXX, ( HIPPA VIOLATION AS I AM NOR HAVE EVER BEEN PATIENT ) XX/XX/XXXX {$1600.00} WAS ADVISED XXXX WAS GIVEN AS WELL AS XXXX XXXX/ XXXX  / ( HIPPA VIOLATION AS NEVER A PATIENT ) I DID INFORM XXXX FROM BEGINNING OF CALL THAT THIS IS RESULT OF IDENTITY THEFT AND SHE CONTINUED TO GO OVER THE COMPLETE NATURE OF THE HOSPITAL VISITS AS WELL AS COSTS.

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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report.

-- -- -TRANSUNION -- -- XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020

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 2018-12-19
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I paid XXXX XXXX on the loan, had paid in full many loans with XXXX XXXX. 
Had called XXXX XXXX for a settlement ; he said he was waiting for a figure from his supervisor XXXX XXXX. No letters to collect were ever sent to me. 

On XXXX-2018 XXXX XXXX arranged to have my XXXX XXXX repossessed. 
When doing so XXXX XXXX 's repo company/vendor with XXXX caused destruction toward my vehicle and stole items out of it. 

XXXX XXXX will not take responsibility for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello! 

Ive been wrongly charged {$25.00} maintenance fees ( the account was improperly linked by the company ) by Bank of America for the past 3 years or more. ( Im currently reaching out to BOA to find out if there are more charges in previous years ) I went into a location in my neighborhood to resolve the issue but they said they couldnt, so they put in a request. A case was opened, XXXX, then closed due to " Unable to process as requested. '' ( received in an email ) They gave me XXXX year of refunds but this isn't satisfactory, I spoke with 3 different associates until I was told by XXXX, area manager XXXX, the company was not obligated to help me out any further with refunds due to regulation. The phone call ended there with no offer of further escalation by BOA. 

I can provide all savings and checkings documents if needed to show improper charges.

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 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  ; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, 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 2020-10-16
Company: EQUIFAX, INC.
State: DC
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:
Since XX/XX/XXXX I have tried on numerous occasion to have this information removed from my credit report , XXXX XXXX office has reach out to XXXX XXXX  to have the item removed on several occasions. I have an email that was sent to XXXX XXXX   requesting that the information be removed and I have a statement from the XXXX XXXX office to attest to the account is XXXX  and a email that was sent on XX/XX/XXXX XXXX XXXX. I called capital accounts to request XXXX XXXX no one there knows who he or she is which I don't believe. When asked if they could call the the doctors office I am told no they do not do that. 
As for Equifax I have several confirmation number and sent the exact documents that I have attached to this file showing that I do not owe this debt and that the XXXX XXXX has email the collection company to have the item removed from my credit report. The last confirmation number dated XX/XX/XXXX XXXX. I have several confirmation number dating back to XXXX. I am in the process of purchasing a home and this negative information is on my credit report. Equifax can call the physician office to verify as well.

Company response to consumer: Closed with explanation