BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-25
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: Information belongs to someone else

Complaint:
FTC Violations Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Box XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX State Highway XXXX XXXX XXXX, TX XXXX SANTANDER {$5600.00} XXXX {$0.00} RISE {$0.00} XXXX XXXX XXXX SPEEDY CASH {$1300.00} CREDIT XXXX PROGRESSIVE {$120.00} XXXX XXXX XXXX XXXX COMENITY BANK {$590.00} WAKEFIELD/EMERGENCY SERVICES OF TEXAS {$2500.00} CONSUMER ADJUSTMENT COMPANY/CHECK XXXX GO {$1200.00} CONSUMER ADJUSTMENT COMPANY/MONEY KEY {$110.00} CCS COLLECTIONS/PROGRESSIVE {$120.00} RMA XXXX XXXX XXXX XXXX {$26.00}

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 2021-05-07
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I reached out to you and my issue with Convergent Outsourcing is still not resolve and they are still reporting an unverified and invalidated account on my credit report in the amount of {$350.00}. Which I beg the differ. Here is the tracking # XXXX to show that they got the letter and just continues to ignore me as well as break the law. And violate my consumer rights.

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 2020-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2020, without prior warning or any direct subsequent notice, JP Morgan Chase arbitrarily lowered my credit limit on my Chase Amazon Visa credit card ending in XXXX by {$4500.00}! I only discovered that instead of a credit limit of {$11000.00}, my credit limit had been lowered to {$7000.00} when I accessed my account online to make a payment. This unwarranted credit limit reduction by Chase increased my balance from 57 % of my credit limit on this card to 95 % which left me with only {$400.00} available creditgreatly exacerbating the high credit-to-debt ratio that Chase claimed to be its main reason for the credit limit reduction! 

Furthermore, I not only use this card for several automatic recurring payments that would have exceeded my credit limit had they been processed before I discovered my credit limit reduction, it necessitated cancellation of recording studio time I had booked in the Spring to complete a project that I had to postpone due to the CPVID-19 Pandemic. 

I have never missed a payment on this credit card since I opened the account in XXXX, and I pay more than the minimum every month ; I have also reduced my high balance to XXXX several times. I have never heard of anyone having their credit limit reduced, let alone someone with such an exemplary payment history. 

Chase alleges that I am a valued customer, yet I am not sufficiently valued to be advised by Chase that it might have an issue with my use of credit. When I called Chase to protest, the representative with whom I spoke said my record with Chase is irrelevant if my credit is not well-managedwhich, of course, is an entirely subjective, arcane, capricious, and secret, formula to which I could not possibly hope to conform if Chase refuses to share its concerns with me in time to take some sort of remedial action to pre-empt a severely punitive action such as this one. Had Chase provided me with a guide that advises me exactly what it considers well-managed and instructions as to how to correlate that with my credit report, I would have been able to avoid running afoul of the Chase credit monitoring. 

As it stands, this unwarranted action by Chase has made it nearly impossible to significantly reduce my credit-to-debt ratio in the foreseeable future and has also lowered my FICO score to the point that I could not lease an apartment today if I needed to do so. Unfortunately, it is now likely that other credit card companies will follow suit and even further damage my credit score. 

This action by Chase was completely unwarranted and punitiveand high unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Receiving alerts, messages and phone calls about a debt that is not mine. I do not have and have never had services that I am being contacted about. I have never lived or visited the location of these debts. It is impacting my credit and my life. I can not provide dates or amounts because they are not my debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results.

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 2020-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX I refinanced a mortgage that was previously mortgaged with Bank of America ( BOA ).  On XXXX my title company received confirmation that BOA had received the funds for payoff. 

The payoff statement that BOA had sent showed a negative balance in the escrow account ( {$910.00} ) due to the fact that BOA had paid out four annual insurance payments right before the account was closed. Two payments have since been returned to BOA. 

I have called multiple times trying to get this straightened out. I have sat on hold for more than 10 hours trying to reach someone. These attempts have resulted in getting multiple people that can't help, get disconnected while they try to transfer me to the correct person, or finally get a message that states " The office is not closed. Please call back during regular business hours. '' On XXXX I spoke to XXXX who told me they had no record of a payoff. I then gave her the XXXX and XXXX for the wire transfer. On XXXX, I did reach XXXX in Georgia who informed me that a check would be mailed by XXXX. On XXXX I spoke to XXXX and XXXX both who couldn't help me and then was disconnected due to the office closing. XXXX I called and spoke to XXXX and got disconnected. XXXX after calling and sitting on hold three separate times was disconnected, I finally reached XXXX in Florida, who transferred for me to XXXX in XXXX, Florida and ultimately was disconnected. XXXX did tell me a check was mailed. As of today ( XXXX ), I have not received a check but did receive an " Escrow Activity Statement '' in the mail that indicates that a refund was issued on XXXX. I tried to call BOA again and after sitting on hold for some time, I finally had to hang up. BOA did send me an " Sorry we missed your call '' email which directed me to log into my account and send a message via their secure messaging BUT I no longer have an account and can not log in since the account is closed. 

Any help you can possibly give me would be greatly appreciated.

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 2020-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020 and XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded to any of my letters, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have an Experian account at www.experian.com that is no longer functioning properly. It allows me to login but then says that an unexpected error has occurred, at which point no other options are available except to call Customer Support I attempted to fix the account by calling Customer Support on XX/XX/2021. After being bounced around to multiple departments, I reached a service representative ( XXXX ) who said that it was impossible to reset the account, despite having a valid username and password, and that nobody at the company would be able to do so. He refused to allow me to speak to a supervisor and eventually hung up.

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 2021-05-07
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this inaccurate account a long time ago and Jefferson Capital still has never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), they have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the item must be deleted immediately. Pursuant to 15 U.SC. 1681i ( d ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My mortgage lender falsley reported my XX/XX/2020 payment late, they have sense corrected that But trans Union still reports a late payment,

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 2020-08-23
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I need to get removed from XXXX. I got reported to XXXX for overdrafts because I had checks returned but it was not my fault. I got reported for stuff that happened that was not due to account abuse. I was scammed and had bad checks in my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Placed a charge on my Synchrony credit card ( about XXXX dollars ) with the agreement that I would have one year interest free to pay off the debt. Before the year was over, the company hit me with a XXXX $ interest fee and has given me several penalties for late payments. 
This company has never once sent me a statement and I have been locked out of my online account until now. 
The debt would have been paid off within the year without these excessive charges. 
The company is claiming they have the right to levy the interest charge and late payment fees due to a late payment. Yet, as I previously stated, this company has not sent me a single statement. 
On a side note, the ability of any creditor to charge 25 % interest should be criminal!

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 2020-08-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have worked with the CRAs to dispute inaccuracies and fraudulently reported information on my XXXX. XXXX is the only creditor who refuses. 
I have called and emailed to dispute two fraudulent accounts and XXXX refuses to assist. I already filed a FTC report and complaint. They violated FCRA and FDCPA by refusing to dispute two inaccuracies and fraudulent accounts and trying to contact me while my dispute was in progress. They are a scam company and take advantage of consumers with unscrupulous practices. My ex roommate used my SSN without my consent and Equifax refuses to remove the XXXX accounts and XXXX XXXX accounts that are fraudulent after receiving my FTC report. They also refuse to give me access to look at dispute results online. I called and faxed them paperwork. They are taking advantage of Consumers. I know my  rights to have accurate data reported to the CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/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 2020-11-14
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capio Partners is reporting a medical account on my credit reports. I have tried disputing and getting this company to validate this account that I have no knowledge of. I have never allowed Capio Partners to have access to my medical records. Thats is a HIPAA LAW violation, you should not have any of my medical records or personal identification. You can not validate this to me and the account needs to be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have inaccurate information reporting on my credit reports. I filed dispute and it has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My first dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/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 2020-08-22
Company: EQUIFAX, INC.
State: VA
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 recently received a copy of my credit report, The credit report showed a credit inquiry by your company that i do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless i have authorized it. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 recently received a copy of my credit report, The credit report showed a credit inquiry by your company that i do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless i have authorized it. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. XXXX ( XXXX ), you may be liable for your willful non-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 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My car got was in an accident and was destroyed. Ally sent me a bill with a date of XX/XX/2020 ). I paid online through my bank on XX/XX/2020. Prior to receiving my payment, and not even a month after sending the bill they put it as a " charge off ''. They sent a notice saying I was paid in full but did not retract the charge off and it has destroyed my credit. I tried fixing this with Transunion and XXXX  and am getting nowhere. Please see attached documents.

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 2018-03-31
Company: On-Site Manager, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I never applied for a personal loan. My identity was stolen and person try to get apartments and loan in my name! I would like them to investigate as I attached documents to prove my identity was stolen. Along with my driver license and and passport!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: NY
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:
There is an alleged charge off account showing on my report to which I do not recognize. Persuant to FCRA 623 I'm demanding the removal of it.

Company response to consumer: Closed with explanation