BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-08
Company: Big Picture Loans, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
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 took out a payday loan several years ago through XXXX XXXX XXXX. During that time, things were fine, until I needed to change to a different bank account because I changed where my direct deposit was going. They told me that there was n't a problem, then they tried to take it out of the wrong bank! When that happened, everything went nuts and I had bounced checks going crazy on that account. This put me in a financial bind and I was not able to pay them, and I had to close out that account. That had to be at least 2-3 years ago. I received a phone call today at WORK ( I have told XXXX XXXX that they may NEVER call me there ) from XXXX at XXXX telling me that they were in the process of having me charged with defrauding the state of Florida and writing bad checks. Once this happened, I would be arrested at my place of employment! I told them that they could not call me there, but I would have my wife call them back. When she called them, they would n't give her any information. She wanted their correct name, mailing address, and fax number, but they refused to give it to her or even verify their correct business name. ( They answered the phone as XXXX, XXXX, and XXXX. ) On XXXX XXXX, 2017 I received a call from an unknown number. They left a voicemail threatening that they had my " name and social security number '' and were going to " proceed out to your job and residence to serve you to appear in court for pending litigation. '' And that I needed to make myself available within " the next few hours '' and to have a valid ID to complete the service. I have a copy of the voicemail available if needed. 

There is absolutely no court case against me. In the state of Florida, once the debt is sold, they are unable to sue. So, these threats that I am receiving on my wife 's phone and at work are illogical and illegal from what I understand. 

I filed the complaint against XXXX XXXX, but they stated that the debt was sold to a third party. So, obviously this third party is harassing and threatening us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I thought I was buying concert tickets from a private seller and felt comfortable doing so thru Chase bank as they promote XXXX as a quick pay option. On XX/XX/19 I sent {$100.00} to a seller. I never received the tickets. I called Chase 4 times that same evening and got 4 different responses. In the end evn though it still shows pending in my account they are saying there's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2022 XXXX I received an email about a hard inquiry on my Equifax credit report. I contacted Equifax to file a fraudulent dispute. My dispute was denied, and I was told I had to contact the company who check my credit, the was XXXX XXXX. Someone had used my social security number and applied for an online catalog with XXXX XXXX. On Monday XX/XX/2022 I contacted XXXX XXXX XXXX department and spoke with a fraud Rep and explained what happened. The rep asked for my personal information and found that someone other than myself had tried to open an online account using my social security number. The rep apologized and said, she/he would forward the information to Equifax, and it should be removed from my credit report within 5-7 business days. This has caused a negative impact on my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions 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:
XXXX XXXX XXXX {$3300.00}, Actions taken-disputes filled with proof that car was paid off by insurance on XX/XX/XXXX. They are reporting late payments with different amount on all three bureau 's Experian, XXXX $ XXXX XXXX XXXX {$3300.00}. I've tried several times but no-one will assist me any further. 

This is a violation of section code 15 U.S.C 1681G Law Violation XXXX XXXX XXXX is reporting inaccurate payment history on all three credit bureau 's. They are reporting late payments with different amount on all three bureau 's Experian, XXXX and XXXX. I've tried several times but no-one will assist me any further. They even overlooked the late payment laws for covid XXXX. 

This is a violation of section code 15 U.S.C 1681G Law 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 2021-04-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment is serviced Lakeview Loan Servicing LLC. It is subserviced by XXXX. The monthly payment is supposed to be XXXX monthly. XXXX XXXX was withdrawing XXXX biweekly and making the monthly payment. until XX/XX/XXXX. At that time they requested that the biweekly payment should be XXXX to cover additional fees. I made XXXX payments during XXXX XXXX. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. 
They have collected {$710.00} every XXXX weeks since that time. Each statement from XXXX states that a XXXX past due amount has been collected.each month. This is {$450.00} past due fees while I have never missed or been late on a biweekly payment. After making an extra payment in XXXX. 
Payments and past due fees were made on : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Bi-weekly payments were collected on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
I cancelled XXXX XXXX 's automatic bi-weekly withdrawal. I received my usual monthly statement from Lakeview stating that I owed XXXX again this month which included the {$91.00} Past due amount. I can not get them to answer the phone!!! I have tried many times on XXXX different phone numbers published on their statement!!!

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 2022-03-05
Company: Genesis FS Card Services, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Never used this credit card EVER!! I told them to send me the statements of what I purchased and received a goose egg! I want this removed from my credit report. They rang me up in monthly interest fees! I never used the card! I don't even think I ever activated it!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am attaching a copy of the letter my wife mailed to the credit agencies on XXXX XXXX, 2017. It was mailed well over 30 days ago, and we have not gotten our responses that we are owed.

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 2017-11-09
Company: Medical Data Systems, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a XXXX XXXX on XXXX XXXX, XXXX. We paid our out of pocket deductible to our insurance company. The insurance company was XXXX. After getting calls about unpaid bills that the insurance company did not pay, we agreed with the hospital to pay an amount of {$3100.00} and the account would be paid in full, and the account would be closed. I paid the amount of {$3100.00} on XXXX XXXX, XXXX with a XXXX credit card and received a confirmation number of XXXX that the account was paid in full. It is now XXXX of XXXX, over 15 months later and I have a outstanding balance on my credit report claiming I owe {$4900.00} to " med data systems '' I was contacted by credit agency via phone call and I expressed there has been a mistake. They replied by telling me they just collect the debt and it needed to be paid. I asked them to send me statement in the mail to validate the claim of me owing med data systems {$4900.00}. I never received a statement in the mail or a phone call. These claims have been a mistake by the billing department and now reflect on my credit report. I want my credit report to reflect that this claim of {$4900.00} is a mistake. I have paid the hospital in full and the account should be closed.

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 2017-11-09
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On correspondence dated XXXX XXXX, XXXX, I wrote to this company asking for Validation documents for account numbers : XXXX, XXXX, XXXX, and XXXX. More than 30 days had past and this company has not sent me any validation documents. For account # XXXX, there is an issue with the original creditor, " XXXX XXXX ''. My secondary insurance was never billed.My secondary insurance became my primary insurance for my XXXX/XXXX/XXXX and XXXX/XXXX/XXXX visits and again was not billed at all. This account has been sent to collections in error. Attached to this complaint is a copy of the bills on those dates. I know for a fact that XXXX XXXX is already out of business for more or less 2 years now, so I do not understand how this company was able to verify the information they are reporting. This is a violation of Both FCRA and FDCPA. For the other referenced accounts, I have never received any validation documents as well. Almost two months and nothing has been sent to me to prove the validity of those items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: SYNCHRONY FINANCIAL
State: NJ
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:
XXXX XX/XX/20, syncb/lowes XX/XX/20 and XX/XX/20, XXXX XXXX XX/XX/20 allowed fraudent applications to be processed with my information without my permission, I never applied for anything and never authorized these illegal inquiries that landed 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 non-monetary relief
Consumer complaint received 2021-10-16
Company: PNC Bank N.A.
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:
I filed multiple disputes with the credit bureaus. It take them well over 30days to comply in fact when i did receive a response they never removed or made any adjustments to my concerns with the inaccurate info on my credit report.. I have been disputing with them for a period of time now and they fail to comply..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My complaint is the consumer agencies are reporting to the credit Bureau ( TransUnion, XXXX  and XXXX ), my personal information from my consumer file, and public records showing a Banruptcy Chapter XXXX # XXXX, i want removed. that causing problems for me and my job. Under the Fair Credit Reporting Act it is unlawful and not in compliance.

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 2021-04-27
Company: Experian Information Solutions Inc.
State: PA
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 contacted the credit bureaus via mail, online dispute and phone, as well as the creditor. The information provided by XXXX XXXX XXXX is incorrect, and has not been updated in over 18-months, it should be removed immediately as it has negative affect on my credit and I have been trying to resolve for over a year now.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice that I needed to pay extra money {$570.00} to cover the escrow shortage. I called XXXX and spoke with customer service and paid the shortage. Confirmation XXXX. Fifth Third Bank online payment service does not have an option to support this transaction, the only choice is " Other ''. They should have an option to apply the payment to escrow shortage. I was informed that " they '' would see the " other '' payment made and apply it to the escrow shortage AND my payment would stay the same. I paid {$570.00} for the escrow shortage. 
Today, XXXX, I have received a XXXX statement for {$620.00}, the new mortgage amount and I was not given credit for the payment towards the escrow shortage. 
When calling Fifth Third Bank, at XXXX, they do not disclose that their office is closed on the weekends. I called, and was told to enter my " pin '', which i do not have since this is a mortgage. After being on hold over XXXX mins, I was then informed the mortgage office is closed on the weekends. 
The statement fails to disclose their business hours. 
They failed to apply my payment towards escrow. 
They misrepresented what would occur and are now over-charging me on my monthly payments. 
This is unfair, dishonest and unethical. I feel that they are not correctly honoring my payments and they are unfairly overcharging me. In addition, their statement on how to reach us is unethical in that they do not represent their working hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company is reporting as new debit and not reporting it to the credit agency as continued date the account was originally opened in XXXX with XXXX XXXX and they are reporting this as current date as of XXXX. I have called and they admitted that the the original date of the debit is XXXX and its not on the end its the credit agency. I have called both them and XXXX  to get this resolved and keep getting anywhere> This is fraud and what they doing is illegal under the guidelines of the fair credit act, they can not change dates and names of the debit owned. Also the amount is wrong as well.

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 2017-11-09
Company: BlueChip Financial
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX is a tribal lender that is not a legal lender to date they have been paid XXXX on a XXXX dollar loan. And are demanding another XXXX which I do n't have. I am in chapter XXXX bankruptcy and this loan should be paid in full with the money I have paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates LLC will call 4-5 times a day. They will call from all different states. I have told them several times to stop calling but they have been refusing to listen. I know what the debt is in regards to but they keep calling over and over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Accounts over 10 years old XXXX XXXX XXXX refuses to removed violated FDCPA, FCRA AND REFUSES TO DO AN INVESTIGATION BESIDES PARROTING INFO ALREADY RECEIVED. THEY REFUSE TO REOPEN AN INVESTIGATION BASED ON THE DOCS AND NEW INFO I HAVE TO SUBSTANTUATE MY CASE. STATUTE OF LIMITATIONS TEXAS 4 YEARS 392 OF FINANCE CODE VIOLATIONS THERE'S NO LEGAL JURISDICTION OR RECOURSE FCRA 623 a 1c FCRA 623a 3-5 FCRA 623 a 6 b FCRA 615 f 1 FCRA 605 f1 Medical bills not properly codes No thorough investigations FCRA 623 a 5 A Continuing to report info I've INFO ncluded in my idenity theft report knoweth knowingly refuses to supress INFO APPENDIX A DATA FURNISHERS RULE 660 VIOLATIONS XXXX XXXX XXXX GUILTY OF IDENITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX  Account # XXXX and XXXX XXXX Account # XXXX, has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Experian Information Solutions Inc.
State: NJ
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 sent a report to this credit bureau over a month ago to resolve the credit report from inaccuracies being reported on my credit report and the last letter i received from XXXX XXXX EXPERIAN have not resolve the issue from the previous XXXX investigation the XXXX report has not been removed for inaccuracies. The lender that allegedly gave me a lawful loan for the automobile had no consideration for a contract to be enforceable and valid or full discourse of meeting of the mind. Therefore the investigation is not completed as satisfactory. This is the final notice before i sue for willful violations of the Fair Credit Reporting Act that remain on my credit report are in of XXXX 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 2017-11-09
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX/XXXX/XXXX, two years ago we bought a television at Best Buy, purchased as a promotion with no interest for two years on a XXXX XXXX Without much thought, we used the same card with its available credit for other purchases. When the promo period ended, XXXX XXXX, the deferred interest charge of {$720.00} had been applied to the amount due. Upon further research, at no time after other purchases had been made, were monthly payments or a portion of payment applied to the original purchase, only the subsequent purchases. If this interest is not paid in-full this month, it deems our account over the limit and will incur a fee of {$37.00}

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 2017-12-28
Company: Pinnacle Credit Services, LLC
State: CA
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:
Today XXXX/XXXX/XXXX around XXXX pm I called to attempt to pay a collection account as Im trying to rebuild my credit. I have dealt with a half dozen or so collection agencies to do this very thing. The previous agencies were very helpful in helping me repair my credit. However, Pinnacle Credit Services LLCXXXX XXXX XXXX XXXX said they dont delete accounts and they would mark it paid in full or settled if I gave them all my vital information including my Social Security number before they would do anything. They wouldnt even send a letter saying that if I paid them it would be marked as I said earlier. They still wanted all my info. I dont trust collection agencies so I thanked them for doing NOTHING!!!

Company response to consumer: Closed with explanation