BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: 1st Franklin Financial Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XXXX I got a loan for {$1000.00}. On XXXX I had two XXXX a XXXX, and XXXX XXXX. I had someone make 8 payments for me. Since then the have reported to the Credit Bureaus that I owe {$1600.00}. Also, they filed courts papers with my personal information which includes part of my social security number, date of birth. I reviewed the file at the courthouse, and there seems to be Fraud. First of all, I did not use my vehicle for colateral, nor did I sign to have insurance, or Road side assistance, for my vehicle. I noticed a Man by my Jeep when I was inside, I believe he got my VIN number, and then he came back inside the office. I have a lien on my vehicle already, so why would I do that. Second, the personal property they have in the court they listed are fraud, and so is my Signature is Fraud. I did not sign for such a deal!! Restitution need to be enforced, in the amount of {$25000.00}.

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 2020-09-15
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have filed multiple disputes with XXXX  equifax and XXXX about this bankruptcy that has been showing on my report for I'm not sure how long. I have notified them over and over about this docket and they keep telling g me to contact XXXX a company that is reporting information to them. I called XXXX XXXX in XX/XX/2020 to request a report and once I received the report I saw the bankruptcy and immediately disputed the information. They sent me a correspondence stating the bankruptcy is some how " verified '' so I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have not recieved any corresponding information from XXXX to determine the validity of this alleged bankruptcy on my file. I have already been notified of my mixed file by the 3 bureaus and XXXX refuse to remove this inaccurate information in my file. Also, XXXX, Equifax, XXXX, and XXXX XXXX are in violation of fcra 616, 617 and 611 ( a ) ( 6 ) ( B ( iii )  refusing to reasonably investigate and refusing to remove this unverified inaccurate information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Rauch-Milliken International, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted this Morning by XXXX with Rauch Milliken International Collection Services.regarding a debt that isn't owed by XXXX, XXXX We advertised with XXXX  XXXX  for a short period 2018. The account was turned over to a collection Agency for a debt that isn't owed. XXXX XXXX the account representative for XXXX ran radio advertisement with out my written authorization for a extended period. 
Correspondence was sent to XXXX  accounting dept.stating we did not approve the advertisement to continue to be ran. XXXX  account representative XXXX XXXX is operating and selling advisements with no honesty or integrity. I also never received correspondence validate this debt as required by law after being informed I have 5 days to resolve this matter before legal action is filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Collection Services claims I owe an amount of {$34.00} to XXXX XXXX XXXX. This debt is from a Renters insurance policy linked to an auto policy, the auto policy is in question as XXXX XXXX is attempting to add on amounts from prior polices in which the debt is not valid, a separate complaint with the CFPB is on file about this, still no reply in re. This debt, {$34.00}, is also in question as again, it is linked to that Auto policy and I had several denied claims under this renters policy. Based on principal for denial of claims, I am also disputing this debt. Simply put, I paid XXXX XXXX for coverage and they denied two claims, would not work with me to resolve either. I do not believe I should pay them when they denied two claims unfairly and would not work with me towards a resolution. The issues with the auto policy are still unresolved, I filed a complaint, mentioned above, about additional amounts added on from prior policies. These police are as old as five years, coverage was supposed to be canceled prior to any balance generated, it was not. Further, XXXX XXXX claims CCS is their in house collections department when the number is not the same nor the address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
When CV19 hit, I had to shut down my business, as millions of others in America had to do.

The mortgage company offered a forbearance for 3 months. I paid all past due amounts after 60 days and this is still showing up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: EQUIFAX, INC.
State: TX
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:
report to XXXX XXXX XXXX XXXX. Still not on my cr report i dispute the collection. XXXX   XXXX put on both XXXX XXXX equfax collections. XXXX  never bill me since XX/XX/2018. I took the free trail for 30 days and return all equipment. Now in XXXX I am in collections. now they say its a installment fee. Sales dept in XXXX when i order it, they said there is no install fee. I am tried of their lies just to get a sale, com, promo. This unfair business practice needs to stop. I want the XXXX off my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX 2015 I went into XXXX XXXX at XXXX XXXX XXXX XXXX SC XXXX currently called XXXX XXXX XXXX XXXX XXXX after receiving letter from collection agency stating I owed a Balance of {$3500.00}. I spoke with the assistant Manager at the time name XXXX and explain that this balance was not correct and she went to look for file and said that it was not in the office due to changing management companies. She was able to find some info online and saw where I only owed {$1200.00} and I paid that to them at that time. This is still being reported on my credit and with wrong amount original debt amount.

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 2020-12-18
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I request a refinance with the loan company that I am already with. Loan Depot-XXXX XXXX team. First, I inform him that I owe XXXX, I think, and he stated, let us make it a little high to be safe, and they will get the real amount when they request it from there company, and if it is lower, we will get at the at final workup sheet. The Rate lock ( 60 Days ) Agreement was on XX/XX/2020 2.375 %, an origination charge 0.286 % of loan Amount ( Point ) {$1300.00}, {$1300.00}. Loan Amount $ XXXXLoan Term : 360, Loan Purpose : No cash Out Refi. Loan Product : VA IRRRl Fixed 30 years. Loan Type : VA. Lock Expiration Date : XX/XX/2020 terms were extended to XX/XX/2020. Borrower sign on XX/XX/2020. New Account number : XXXX. The payment was made on the old account:XXXX balance now is ruffly {$470000.00} and sent paid before closing. I would get it back ; he rolled it over, and he got that monies. Then on XX/XX/2020, I received Maryland Loan Commitment, XX/XX/XXXXLoan # XXXX Lender : LoanDepot.Com, LLC. Borrower ( s ) : XXXX XXXX XXXX. Property Address : XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX. Loan Term : 360. Principal Loan Amount : {$480000.00}. Type of Mortgage : VAXXXX Interest Rate : Fixed:2.375 % Adjustable Initial Rate : N/A Points:0.286 % Md.Code Ann., Law SS12

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Request to validate debt was sent to the company ( Knight Adjustment Bureau ) on XX/XX/21. The company has failed to respond and continues to report debt as accurate to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX, I purchased shuttle services with XXXX for transportation from the XXXX airport to the hotel. XXXX sent a link to complete payment. The cost agreed upon was {$71.00} USD, or {$1300.00} MXP  at the time of currency exchange rate. The confirmation invoice confirmed the charge of {$71.00} USD. However, when I checked my card statement, the charge was incorrect. It was in the wrong currency. Instead of being charged {$1300.00} MXD, I was charged {$1300.00} USD. Please see the scanned documentation below, which shows our invoice and the incorrect charge on my bank account. 



This screenshot of my XXXX statement indicates the charge of {$1300.00} USD. The wrong currency. It should have been {$1300.00} MXP or {$71.00} USD. 



When I went to submit the first dispute ( CHASE claim ID : XXXX on XX/XX/XXXX ), I subtracted the initial cost of {$71.00} and disputed for the remaining balance of {$1200.00}. For the first dispute I was unable to provide evidence, and I believed that Chase would be able to resolve this straightforward issue without further delay. 

For the second dispute ( CHASE claim ID : XXXX on XX/XX/XXXX ) I provided several pages of evidence in the form of invoices to prove that I was charged in the wrong currency and that XXXX owes me {$1200.00}. The second dispute was also unsuccessful. In a generic form letter, Chase incorrectly denied this claim, stating that the charge was valid after further inquiry. XXXX still wrongfully has my hard-earned money that does not belong to them. I paid my outstanding balance, which included the XXXX charge, to avoid incurring additional interest charges on my account. 

The third attempt to get the bank to help me get the refund back of {$1200.00} ( CHASE claim ID : XXXX on XX/XX/XXXX ). I was advised by a customer service agent to write a letter explaining the situation. I asked them to please review the attachments and contact me if this explanation is still unclear. I have been a loyal Chase customer for over a decade, and I have never had such a difficult experience getting help. I got a notification on XX/XX/XXXX saying that my dispute had been closed. I never got my refund back. 

I have contacted XXXX for updates since XXXX. They now claim to want to refund the full {$1300.00} USD for all the inconvenience. When I try to contact them for a direct refund they do not respond to my calls or emails. 

I would be grateful for any assistance in recovering the money that was taken fraudulently. 

Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I logged into my online corporate card account to make a required payment but received a notice that the payment could not process. After attempting a second time, I discussed the issue with a co-worker and we both agreed that the payment system must be glitching ( again ). As such, I dialed the customer service number and proceeded to make the payment over the phone.

On or around XX/XX/XXXX I noticed on my personal account that JP Morgan had erroneously accepted two of the payments and withdrawn the corresponding balances from my personal account without permission. Although I authorized the bank to retrieve funds from my account, I would never have authorized a double posting under these conditions. 

Soon after identifying this issue, I contacted JP Morgan and got the proverbial " run around '' until they finally pledged to refund the erroneous second payment. The representative indicated that the reimbursement would be issued through a check and that ACH was not an option, despite having used ACH to obtain the funds. 

As of XX/XX/XXXX I have still not received my refund and yet the payment within JP Morgan 's system has been reversed. This essentially means that I am floating JP Morgan about {$360.00} of my own personal funds due to their system processing errors. When I called the customer service representative for an explanation, the representative ( XXXX ) indicated that this is JP Morgan 's procedure for handling refunds. Rather than waiting for a successful reimbursement to clear, the staff actually reverses the payment in anticipation for the refund to clear. If payment is not received, XXXX said to call back and they will work on it again. 

I am disappointed with this entire process and urge you to look into a reasonable remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: DISCOVER BANK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Aequitas Capital Opportunities Fund, LP
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XX/XX/2018 received billing statement from " XXXX '' for {$0.00} dollars. This is similar to a credit card account. Problem is I did not sign up for this service. The service acts as a Health Care Credit Card account and collection ( including interest penalties ) for XXXX XXXX XXXX XXXX XXXX in XXXX Texas and surrounding area. I did not sign up for this service and immediately called ( XXXX ) and talked with " XXXX XXXX '' and told him I did not sign up for this service and cancel it immediately. XXXX said he would cancel the service. XXXX said he was aware I did not sign up and it was done by XXXX XXXX XXXX XXXX XXXX and in connection with XXXX Bank. I told him I did not appreciate the attempt by both the aforementioned to enroll myself in an account that I did not want nor believe is in anyone 's best interest and that I was filing a complaint with the CFPB.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
On XX/XX/2021 American Express placed a hard inquiry on my XXXX credit file for an account that has not yet been opened. It hasnt been opened because they are requesting banking information. I am a consumer, this is an open end credit plan and these additional requests are misleading, fraudulent and a direct violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: EQUIFAX, INC.
State: AZ
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:
The following credit card accounts and child support account listed on my Equifax credit report is fraudulent, unauthorized, not my accounts and dont belong to me : XXXX XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, {$22000.00}, XXXX XXXX XXXX XXXX, {$8600.00}, XXXX XXXX XXXX XXXX, {$950.00} and the XXXX XXXX XXXX, {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I recently made a transfer from the above referenced account on XXXX based on funds showing available. Somehow the ledger was off by XXXX which resulted in one overdraft fee after another. Totaling {$70.00} for a discrepancy of XXXX Now does this seem okay, to charge consumers? Additionally, I see this as a very unfair and deceptive practice based on how the transactions themselves do not post chronologically which results in more fees to the consumer. I am asking this to be reviewed and rectified by removing the fee. <P/>I can be reached at XXXX or my wife XXXX who is also on the account at 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 monetary relief
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accurate Collection Accounts : XXXX XXXX- shows that account is still open and 7 late payments. This information is incorrect. This account is paid off in full on XX/XX/2022 and no payments were ever late. 


XXXX XXXX XXXX- I have no knowledge of this account. This account is a fraudulent account and should be removed from my credit report XXXX XXXX I have no knowledge of this account. This account is a fraudulent account and should be removed from my credit report XXXX. XXXX, XXXX - I have no knowledge of this account. This account is a fraudulent account and should be removed from my credit report Inaccurate Hard Inquires : XXXX XXXX- this inquiry is fraudulent. I have no knowledge of this inquiry nor did i authorize it XXXX XXXX - this inquiry is fraudulent. I have no knowledge of this inquiry nor did i authorize 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 non-monetary relief
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XXXX, 2021, my Equifax credit report was deleted by Equifax. I contacted Equifax and they admitted there was a technical issue and that my file would be rebuilt. When I later applied for a mortgage refinance XXXX, 2021, I was denied a mortgage refinance due to my Equifax credit report being blocked. I also could not view my credit report on Equifax.com. This issue has been unfixed and complaints, letters, and documents being certified delivered have not helped. When I check each day for my credit report, it shows as no account history and creditor denial letters show that there is a block preventing them from pulling my credit file to confirm offers of credit. I have since had over 63 credit denials all due to the issue that the creditors can not access my Equifax credit report due to a block initiated by Equifax. EQUIFAX asked me to submit verification of my address and I submitted eight documents including a property tax bill, utility bill, utility proof of residency, drivers license, Social Security card, internal revenue service statement, and mortgage statement. The US PS verified that EQUIFAX is in receipt of those documents which were sent via XXXX mail and EQUIFAX still currently denies receiving these documents which they claim are needed in order to investigate the issue. The issue has not been investigated now for seven months and I am losing money on interest rates and Im unable to buy a mortgage or vehicle due to not having access to my credit file.

Company response to consumer: Closed with explanation