BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Company: HW Holding, Inc
State: IN
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:
There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX and I'm waiting on results. When I looked at my XXXX  report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX  has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Experian Information Solutions 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 was added to my husband XXXX XXXX XXXX 's account at XXXX department store as an authorized user a few months ago. He had a high balance when i was added. The next month i asked to be taken off account as a user because the balance showed up on my credit account and lowered my score. They took me off the account. It still shows a high balance of XXXX on my account as an authorized user on credit reports. I have since in the last few days opened my own account at XXXX in which it does not show up yet. But i want my husbands account balance off my credit report - please.

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 2018-06-15
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical 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:
Myself, family and friends have received multiple calls stating that the debt collector demands I pay or else I'll be sued and convicted of fraud for bills that I don't even have a recollection of belonging to me. If so, these bills were paid by my medical insurance, which I do have. I'm covered by XXXX XXXX of Louisiana and previously covered by XXXX XXXX XXXX. 

However, if these belong to me which I doubt. They would have been paid for by my insurance if the companies did not make mistakes with their billing procedures which is evidenced by other customers in the area.

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 2018-02-21
Company: Kashia Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
My employer reported receiving a fax labeled as Wage Assignment Demand Notice. The fax alleged that I had signed a Wage Assignment and authorized Kashia d/b/a XXXX XXXX to collect wages from my employer to repay the loan. The information received by my employer indicated that XXXX XXXX was collecting on the wage assignment on behalf of Kashia d/b/a XXXX XXXX. The demand instructed the employer to deduct 15 % of the employees disposable pay and mail a check to the following address : Kashia d/b/a XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX The employer reported the following additional contact information was associated with the demand notice : Email : [ XXXX ] Phone : XXXX Fax : XXXX The notice was referenced as a 2nd attempt, and noted that I was informed my employer would be notified. The notice was emailed to my employers company website which is not secure. I never heard of XXXX XXXX yet the company had all my information. After several attempts to request for XXXX XXXX and XXXX to cease all communication the company I work for still continued to get notices emailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to TransUnion about a month ago to clear up my personal information and havent heard anything back yet.

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 2018-02-21
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/2018 I sent a certified letter to Equifax asking to validate an account ( XXXX, XXXX, XXXX ) reporting negatively on my report. They responded with the account was verified but sent so validation paperwork. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Equifax disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Equifax has responded to my request by saying that these accounts have been verified. Equifax has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Equifax has ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Equifax reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I received a follow up on a complaint to Barclays Bank for deceptive lending practices amongst other things. In the response from XXXX. XXXX XXXX, he indicated Barclays does not perform credit line reviews during the balance transfer solicitation period which is indicated in the WRITTEN response occurred XX/XX/XXXX - XX/XX/XXXX. Fortunately, I have located additional balance transfer offers on my account PRIOR to Barclays soliciting me to use my credit line. Ive attached 2 samples as evidence to support the deceptive practices. 

I previously raised this issue in XXXX and Barclays corrected the issue by restoring my credit limit. 

To top it off, I have to wait for 3 minutes to talk to a representative from the Office of The President. The wait time solidifies Barclays servicing practices.

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 2018-11-26
Company: CL Holdings LLC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This XXXX wireless dept of {$2300.00} is not mine, i live in Puerto Rico.Someone stoled my ldentiti. I have a bad credit because of this dept.its ruined my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07
Company: JPMORGAN CHASE & CO.
State: MA
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:
Id like to dispute a late mortgage payment from XX/XX/2015, a chase card and XXXX   card all from the end of XX/XX/2015.

I made these payments through the XXXX XXXX XXXX   portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact XXXX XXXX XXXX and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure XXXX XXXX XXXX records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX but I would like to have these marks corrected.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions 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 status incorrect

Complaint:
On XX/XX/XXXX I emailed my Mortgage Loss Mitigation advisor at XXXX XXXX XXXX, XXXX XXXX ( XXXX ) to verify that I had began making the trial payments for my Mortgage Modification that I was in the process of. 

On XX/XX/XXXX I spoke with XXXX of the Collections department, who confirmed that XXXX had been reporting me late every month for the last year even though I had been in a mortgage modification program and was not delinquent. XXXX advised that I would have to write a letter because there was no one that she could transfer me to. XXXX acknowledged that my XXXX payment, which is currently being reported as late, was due on XX/XX/XXXX and payment in full was received on XX/XX/XXXX ; yet XXXX XXXX XXXX reported me 90-days late for my XX/XX/XXXX payment. XXXX acknowledged that I should have had some special reporting on my credit bureau that showed that I had been working with Loss Mitigation for my mortgage from XX/XX/XXXX - XX/XX/XXXX therefore nothing negative should have been reported and I should have had notes put on my reports of the such. This did not happen. 

I met all the payment arrangement guidelines to warrant receiving a modification of my mortgage. I have not been over 30 days late on my agreed modified mortgage payments with XXXX since the agreement began but I am actively being reported as over 90-days delinquent of my mortgage payment every month for the last year and this is not right and it's inaccurate reporting.

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 2023-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Bank of America won't send me my new card with collections money

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 2019-09-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Each month for the past 2-3 months, this financial institution Citibank, has falsely claimed that checks and other debit purchases don't have enough money in my account to be paid. They have arbitrarily just chosen checks and debits to refuse to pay, and set them back into the unpaid check column of " credits '' back into my account. With the merchant or creditor being unpaid. This being done, even when there is money available in the checking account to pay the creditor. After doing this, they quickly charge me an NSF, so they can obtain more unjustified money from me. When I challenge them on this, and complain to them, they act like they don't know anything about what is going on, an just continue to do this same thing to my account severely for the last 3 months. I need a consumer agency to take a look at this mistreatment and abuse, and have them put a stop to it. It is terror for me if I don't even know if a check or debit that I submit is going to go through my checking account even if I have money there or not.

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 2021-07-13
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two HARD INQUIRIES by CITIBANK on my XXXX  credit report that were not authorized ; I did not apply for credit with CITIBANK. Furthermore, the inquiries are two months apart. These should be removed from my credit report, as they negatively affect my credit score.

The INQUIRIES from CITIBANK hit on : XX/XX/XXXX and XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Recently checked my credit report and noticed that Santander is reporting I have balance owed to them, they have never sent information regarding the sale of the vehicle, they have never called or mailed any correspondence requesting payment. In addition to the negative item they have attached to the credit file, they have also sent it to collections in which I havent received any correspondence from either. Car repossession laws in Illinois require your lender to provide you with a redemption notice within 21 days after your car is repossessed. If the lender fails to provide the notices or provides legally insufficient notice, the repossession may be invalid. Because Santander failed to notify me within the time frame by mail or phone they have breached the contract. I have not made any payments to Santander or any other collection agencies with regard to this account. The fact that Santander had added incorrect information on my report and has not contacted me speaks to their business practices. 

As of last year I saw on my credit report that it was sold to XXXX XXXX in which I have not received any documentation from either. I have disputed this account with the credit bureaus due to no Written Documentation from Santander or XXXX regarding this debt but it seems to have been reported on my credit report. Santander is in Breach of contract and once a company charges off an account and sends it to an collection agency they are in breach of their own contract by violating the Abritration Clause.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Express Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Express Recovery, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2014. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: EdFinancial Services
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings, There is a company name XXXX XXXX , XXXX who claim I owe an unverified amount on a student loan which the company has not verified pursuant to FDCPA 1692g ( b ). The company allege in one letter I owe an amount that is different than the amount in a second letter and that amount is different that an amount in a third letter. 

Egregious tactics on an alleged debt I do now owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received an offer in the mail from Cashnet USA for a line of credit for {$800.00}. The letter said I was pre-approved. I was in a bit of a bind at the time and thought this would help. It did not, it made things worse for me financially!!! First the contract you sign online is very, very vague and hard to understand and there are hidden fees that they do not tell you about. They are called, " customary fees, '' well mostly all your payments go to these hidden fees to keep you trapped in the debt. You can never pay it off. I asked to settle the account for {$200.00} today and was told that I could not settle and would have to pay the debt in full. I have a credit limit of {$800.00}. I have borrowed a total of $ {$870.00} over the course of time. I was approved for the LOC in XX/XX/2018 and had been having payments taken out of my account every two weeks, until, I revoked their authorization to debit my account, last month in XXXX and asked them to close my account. They will not close it!!! I have made a total amount of {$840.00} in payments. I offered to try to settle the account for {$200.00}, which would make my total amount paid, XXXX. This would be {$170.00} above the principal amount, that I borrowed. I refuse to pay their outrageous fees any longer. It now states online, today, XX/XX/2018 that I owe a balance of {$950.00}. If I pay that, I will have paid them {$1800.00}, but with them refusing to close my account and steadily adding fees it will be even more, soon. No one should be allowed to be such a predatory lender!!! I want to get out of this mess, but they will not allow you to get out. I do understand that I should have fully understood the contract, before signing online, but when you are in need, you sometimes make bad choices. I do not think that should give a company the right to take advantage of people like this.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation