BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Wallace Management Company, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I fell behind in my monthly payments due to illness. My wife contacted them and told them this. I can not pay at the time and my wife told them she would let them know when I could make a payment. She asked them to stop calling everyday. However, they continue to call several times a day. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently contacted my mortgage company PHH Mortgage to request to have escrows removed. In the past few months there was an appraisal done to re-demine value to remove PMI from the account which was completed as the XXXX is now below the requirement of 80 %, this is also the requirement to remove escrows. 

I contacted PHH with the request, and it was denied, saying my XXXX was above 80 %. I reminded that the PMI review that was done post evaluation put my value below the 80 % threshold and if PMI could be removed using this new value why would they not remove the escrow account requirement. They advised escrows are based off the " original '' appraisal value at purchase, and not any future appraisal value. I feel this is a discrepancy and incorrect as PMI is no longer required because of the calculation which is the same for escrow. 

Please advise why they can use different calculations for PMI vs. escrows on an account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Discover card, I have a balance of {$4000.00}. I pay my monthly bill on time pay more than the minimal amount. 
Everytime I pay extra money Discover find away to take the money back. I pay over {$100.00} a month and Discover takes it all back in interests. Discover gave me a credit of {$30.00} and found away of taken that back too. 
I have tried to work with them but its not working they trying to fleece me ... I can't get ahead if they keep charging me over {$70.00} dollars in interest. 
I could have paid the balance way down if they STOP making up interest charges. I don't even used the card is the disturbing point. 
I acknowledge I owe them but I don't feel I can get a head in paying off this account if the keep. 
taken the money back as I pay off the balance. I need help with this major issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Send letters didnt respond back

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 2021-04-29
Company: JPMORGAN CHASE & CO.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Chase bank keeps calling me to collect debt for a credit card that has never belonged to me. 

I have told them numerous times, between my own personal court order to protect me from these types of calls, but i should not be held responsible for my ex husband 's debt. I gave Chase the correct information in how to contact him but they continue to call me and always respond " we will remove your number ''. I get called 2-3 times a day.

It's really bad when they ask for him on my number and give ME all his debt information ( how much is delinquent, total amount etc )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Current student loan amount ( estimated ) {$200000.00} Original principle balance ( estimated ) {$89000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Investigation & Recovery Assoc. LLC
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Investigative Services claims I owe {$640.00} from an unpaid loan with XXXX XXXX XXXX. The first gentleman that called me claimed it was over {$700.00}, they have given me 2 separate dates one in XXXX and one in XX/XX/2016. I was very skeptical because I know I have never taken a payday loan that large and they are also inconsistent with the dates and amounts owed. I called XXXX XXXX XXXX and they advised me that my last loan with them was in XX/XX/2016 for a little over {$300.00} and was paid in full. I repeatedly asked for something in writing, after multiple attempts I got a form that is clearly a template with misspelled words on it and has a different amount than what was verbally asked for. I have asked for solid proof and they are not providing it nor emailing me back to answer my requests. They also are past the statute of limitations. I have advised them this sounds like a scam, They have called me 3-4 times in an hour, to the point I had to block their number. They have repeatedly called my mom 's phone. They do not leave voicemails. They have yelled at me to pay my bills when I have asked for proof. They have hung up on me when I said it sounds like a scam. I have never had a debt collection agency act this way. I believe this is a scam, they can not provide solid proof.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-01-12
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Walmart allowed someone to open a credit card in my name with my social security number, a different address than my own. I called to have them cancel the card and remove the inquiry from my credit report. 
It is now on my report as lost/or stolen making me look irresponsible ... 
I want the whole thing removed!!! 

It was opened fraudulently!!!!!!!!!!

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 2020-10-20
Company: TOLEDO FINANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Toledo Finance Corp in XXXX Texas has continuously called my job on a weekly bases. 2 times per week since XX/XX/XXXX - XX/XX/XXXX. I have repeatedly asked the Loan company to please not call me job, but they continue to do so. Toledo agents are calling from different office numbers & personal cell numbers. Yes, I have loan but I'm unable to pay. The company is aware but continues to call my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Convergent Resources, Inc.
State: AR
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 recently been in contact with the credit bureaus over the past couple of months due to accounts appearing on my credit report that I never opened or received any goods or services on behalf of. Even though this has been a ongoing dispute I've noticed yet another clear violation of the Fair Debt Collection Practice Act being permitted by Convergent Outsourcing whom has violated section 1692e 8 (  Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed ) Convergent Outsourcing has failed to mark this debt or account has disputed which is automatic grounds for removal of this account from credit report. I will included supporting documentation along with this claim.

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 2022-09-16
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my checking account on XX/XX/2022. I attempted transferred {$2100.00} from my XXXX  XXXX XXXX over to my chime account. Once that transfer started chime locked out my account due to internal policies. They stated that to unlock my account I had to send two copies of ID as well as mail with my physical address on it. I was told by the Chime representative that as soon as I submitted my documentation I would have my account open in 24-48 hours. I immediately submitted the documentation to them. My account is still locked, I have spoken to them on the phone and each time they assure me my account will be open in a few hours. I have been also told that the phone representatives can not help me and the only people that can help me are only reachable by email. I have emailed them at XXXX multiple times and they dont respond to my request other than to say they are forwarding my emails to the proper department who never answer. I told them that I want to close my account with them and for them to return my money to my XXXX  XXXX XXXX account. They told me they will not send my money back to XXXX  XXXX XXXX until their internal policies have been resolved and my account is unlocked. They told me there is nothing to be done, my money is unavailable, and I need to be patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: JPMORGAN CHASE & CO.
State: MI
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:
Ive been banking with Chase bank for almost 9 years with no problems. My business account was hacked XX/XX/XXXX/XX/XX/2018 with over {$70000.00} taken from my account. I gave them a list of the unauthorised transactions, they recovered most of the funds but also returned tax payments that were not on my list which I ended up getting late fees that I feel they should be responsible for. There Is also almost {$4000.00} that hasnt been returned to my account and they say the claim is closed. It has been 4 months and I cant get answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-04-19
Company: CCF Intermediate Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt is over 20 years old. Have not herd anything about this until I get letter on XX/XX/XXXX titled notification of lawsuits and civil complaint. Statute of limitations where I live is 6 years in Iowa where the loan would have been taken out is 5 years. I called this company XXXX XXXX XXXX at on XX/XX/XXXX after I received the letter. XXXXXXXX XXXX XXXX talked to some male that would only give his name as XXXX XXXX. Once I told him it was out side the statute of limitations he went on to say they will have charges brought up for malicious intent to commit fraud. At that point I ended the call.

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 2022-11-08
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: Personal information incorrect

Complaint:
There are addresses on my credit report are outdated and I want the bureaus to remove it.

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 2023-06-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX Account #, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28
Company: Experian Information Solutions Inc.
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 have discussed these issues for over a year with all three agencys with no avail.!!! 

Please note, I have sent in letters from agencies that have requested these agencies to take this old information off my reports. 

They will take them off then a month later put them back on even when companies have requested them to take them off. 

Each time these agencies re apply these to my reports without knowledge of deptors or myself, it severely damages my credit I have worked so hard to re build. I am requesting that adverse action be taken immediately against Experian, XXXX, and XXXX and have them take them fix these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Klarna AB
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They told me that due to errors with retailer and me requesting and sending FTC COMPLAINTS they decided to minimize my credit in retaliation for protecting my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: IL
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: MN
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:
Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Ph # : XXXX Email : XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX This letter is to inform you that I received today that you have resolved the incorrect reporting to my XXXX  report, that was now corrected after filling a complaint with consumer reporting. I now have attached documents to show that you are now reporting incorrectly for Equifax, I am now opening up another complaint, I dont know why you guys cant seem to report accurately that this account is closed down since XXXX. I now show that you have reported that I made an active payment in XXXX of XXXX. How can this be possible if the card has been closed since XXXX. I will now file a complaint with the creditor, the consumer complaint department, XXXX  ; until you also resolve this matter. I have attached a copy stating that it was an error on your end and the account wasnt closed down entirely which created the inaccurate payments to my credit report. I am requesting and demanding you also correct Equifax as now my score has dropped due your oversight, and if the same things happen to my XXXX  report I will open up a dispute on that account as well. 

PLEASE REMOVE ALL PAYMENTS/ MISSED OR NON-MISS PAYMENTS FROM THE YEARS XXXX & XXXX. AS THIS ACCOUNT HAS BEEN CLOSED SINCE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: MN
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:
I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX Experian has claimed to have verified this public record/bankruptcy via XXXX I have contacted XXXX concerning this bankruptcy and it has been removed from my XXXX consumer report, so how is this bankruptcy being verified at this point? The following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are addresses that came from this identity theft and I have never been associated with these addresses.

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