BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-29
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:
I received copies of my credit report from XXXX, Transunion, XXXX and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit report. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. XXXX, Transunion, and XXXX claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. also they are reporting names and addresses medical collection without following the HIPAA rules and regulations so please look into the companies it is not right for the credit bureau to report information that does not belong to you for the purpose of making 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 2021-11-11
Company: I.C. System, Inc.
State: MN
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on I.C. SYSTEM, XXXX XXXX Balance {$1800.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2018-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date reported was XXXX/XXXX/XXXX. Last reported on XXXX/XXXX/XXXX. This is a collection agency. I paid the balance in full. Collection should be deleted off all credit bureaus. Contacted the company and they never deleted it! Still hurting my credit scores. They remarked this account to the credit bureaus only paid in full. Should be deleted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
hi iam making a complaint with bestbuy for a tv promotion i have bought a tv with my credit card and i been making my payments but just to find out yesterday i call bestbuy credit card customer service and ask them what was my tv balance they say {$630.00} they never apply my payments to my promotion they apply my promotion payment to the balance of the card and now it say that my promotion balance is {$630.00} so i tell them to take out the balance money to puted in the promotion they say they could do it so now they tell me to make another pay and that they was going to apply on the promotion i dont even believe what they say so i see somebody with the same problem so i contact CFPB would you help please i would like to make a compalint to get all the XXXX dollar apply to my promotion or going to sue them because this is a scam from bestbuy  lets all complaint deceptive billing

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 2019-06-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I noticed I had 13 accounts on my credit report that didnt have any company information. I reached out to Equifax and asked them about it, could they remove it. The second thing is I have court documentation I have opened disputes in XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX concerning I also submitted the court documentation that the judge has dismissed both cases, and the Equifax representative said they would not take the documentation. Every time I call I get somebody in XXXX and I dont feel comfortable talking to someone in XXXX, so when I asked to speak to someone in the States, they get offended sometimes. The reason I asked is because of the Equifax breach, I have been constantly getting scam calls that I have a virus on my computer, or I got approved for a loan and theres no virus on my computer because I work for XXXX and my computer is monitored. Because of this breach, it has greatly caused XXXX and I have to spend money for ID protection software, credit monitoring software, I just today XX/XX/XXXX paid for the Equifax premier class subscription to monitor my credit because of the breach. Im trying to repair my credit so I can purchase a house for my family. Also i sent over court records of accounts that was dismissed by a judge. Equifax and XXXX did not take the court document. Even in the last complaint the only thing they did was open a dispute a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A  ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX XXXX XXXX with the balance of XXXXacct. # as disputed by consumer within 30 calendar days since my first dispute on XX/XX/2016 and how I`m entitled to XXXX per occurrence for this violation. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX XXXX XXXX with the balance of XXXX-acct is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

The item listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and you violated this law. 

I hereby demand immediately deletion of XXXX XXXX XXXX with the balance of XXXXacct. # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ). 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A  ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations. I have copies of every credit report since 2016 showing you have violated the FCRA.

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 2018-12-27
Company: Synovus Bank
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
My wallet was stolen in XXXX with alot of my personal belongings like my ID, social, debit and credit cards, and nowI have some charges on my account that do not belong to me : - {$400.00} on XX/XX/18 from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a Chase bank Amazon Credit Card I was late paying the balance on. The next month I paid the balance and closed the card account with them I was told my account was closed I would not be charged anymore. I did not know nor was told Chase could charge interest on the previous months balance to the closed account and that I would be responsible for paying that. This came down to about {$7.00}. 

Chase then charged me {$29.00} per month in late fees for over a year on this card that I thought was closed. 

To be fair chase sent me letters to my parents ( I rent it's a more permanent address for me ) that I chose to ignore assuming incorrectly that it was additional promotional offers they spam me with since i signed up. I had to filter them out of my email inbox in to a separate folder where again I incorrectly assumed I could ignore emails from a company I have no open accounts with. Chase robocalled me to inform me of a balance on my card but it sounded like the stereotypical scam. One year and an actual human finally calls me to explain I owe chase {$350.00} now. Digging through the promotional offers in my email I confirmed there were balance statements. 

I explained the situation to Chase. I explained I am a broke XXXX XXXX and this would prevent me from clearing rent that month. They forgave about {$150.00}. 

Chase bank charged me {$200.00} in fees over a {$7.00} interest fee on an account I was told was closed after I paid the remaining balance and asked to close it. 


This was about 7 months ago that I paid off the late card and " closed '' it again. About 18 months from the initial missed payment on the {$7.00} interest. 


Do I have any recourse? If I provide all the documentation for this incident can it be added to the stack of frivolous banking fees Chase uses at least? 

I can't reasonable fathom charging someone {$350.00} for owing {$7.00}. 

Thank you for your time and I understand it is unlikely I have any legal ground. I hope if anything this complaint helps establish the pattern of unreasonable exploitive punitive measures Chase bank uses over trivial amounts it's customer owes and how unclear promises made by support agents result in hundreds of dollars in fees unless the consumer is reasonable vigilant in monitoring closed accounts. I was not vigilant and lesson was learned but I have to wonder how this kind of contract is ok in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX-XXXX, and XXXX XXXX-XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Experian Information Solutions 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:
experian has send me my credit report in which i notice that they add credit cards and debts that are not mine and they sending in a difference XXXX XXXX XXXX XXXX. This XXXX XXXX is not mine and that to delete all of that from that XXXX XXXX that all of that debts are not mine, my only direction is in XXXX XXXX only. please check of who that XXXX XXXX belong and to fix my credits.

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 2019-06-29
Company: Key 2 Recovery, Inc.
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is a student loan. XXXX XXXX XXXX ( XXXX ) in Kentucky. I graduated from XXXX with a paid in full invoice. Months later XXXX contacted me about their account error of ~ {$1800.00}. I made several attempts to get explanations and during the process XXXX released to the illegeged debt to two credit collections agencies. Keys 2 Recovery and XXXX XXXX XXXX. Now the debt is {$2500.00}. 
I have sent letter to XXXX, Keys 2 Recovery and XXXX XXXX XXXX to only communicate by email, yet Keys 2 Recovery continues to call. The letter I sent was registered mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Klarna AB
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I purchased some items at home depot and was approved for a Klama Inc credit account. 
I had a balance due in the amount of XXXX dollars and when I attempted on line to make payment prior to the XX/XX/XXXX due date and I was not able to. The Klama Error message was I could not submit payment at this time. I tried many times and Failed. I tried calling Klarna customer service to resolve the issue and just got recorded massages that said to go on the web and pay. 
However I received a late pay email from Klarna on XX/XX/XXXX with a XXXX late fee then the payment was accepted. I paid a total of XXXX the XXXX Plus the XXXX late fee. I do not have time to play these games with a company that rips people off with fees. The company has committed a grave malfeasants in this matter. XXXX knows how many other people they did this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Lendmark Financial Services
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have repeatedly contacted this company to correct my late fees as they call them. In the beginning I had problems with them talking to unauthorized members on my behalf which is illegal. I paid every month until they continually added late fees that were not justified. I feel they did this so I would not be able to pay the loan off. I am very upset with this. I have tried numerous times to have this handled. They also call me at least 14 times on any given day to bully me. Never to talk and try to handle it. I do not understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Absolute Resolutions Corp.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Absolute Resolutions Corporation is trying to recover what they claim to be a purchased debt, yet the amount owed and the charge off date do not match what is on my credit report. They first tried to collect on a debt originally owned by XXXX, who closed the account according to the CRA in XX/XX/XXXX. Absolute Resolutions Corporation first used XXXX XXXX XXXX to attempt to collect the debt on or around XX/XX/XXXX. XXXX XXXX XXXX in addition to attempting to collect with the wrong amount owed and charge off date also violated The Truth in Caller ID Act. After filing a complaint with the Attorney General 's Office of Missouri, XXXX XXXX XXXX made the decision to no longer pursue the debt and promised to send it back to the original creditor. They interpreted their statements as Absolute Resolution Corporation being the original creditor not fulfilling what they stated they would do. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, claiming that the debt had now been placed with them and they were also trying to collect with the same incorrect and misleading information regarding the charge off date and amount owed. Another complaint was immediately filed to the Attorney General 's Office of Missouri. 

On XX/XX/XXXX, I received a letter from the Attorney General 's Office stating that ARC claims no wrongdoing and that their office is unable to provide the relief I'm seeking and that my complaint is not without merit and I should consult a private attorney. 

Again, ARC claims that the debt is validated and produces various documentation that doesn't reflect the same information that was reported by the original creditor on any of my credit reports. 

With no judgment against me, no lawsuit filed against me, no open account for this debt on my credit report, one collector who decided to no longer pursue my account, and a lot of information online saying Absolute Recovery Corporation and XXXX XXXX XXXX are scams, I do not feel like they have the authority to collect this debt. Absolute Recovery Corporation despite providing documentation has failed to validate by providing inaccurate and misleading information on the charge off date and amount owed on this debt. 

I am happy to provide all correspondence they've sent through the Attorney General 's Office, in addition to my credit report, to prove that what they claim doesn't match the information reported by the original creditor to the three main CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive informed the collection company multiple times that this debt is not mine. Ive fought it and have not been provided any paperwork that would validate this debt. Ive never had a XXXX account. On my report it also shows a balance for creditor and collector which I believe is a violation!!! 

The company is Diversified consultants!! 1

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: Action Financial Services, LLC
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I WAS TOLD THAT MY STUDENT LOANS WERE NOW WITH A COLLECTION AGENCY THAT I DO N'T OWN. THE DEPARTMENT OF EDUCATION SAID THAT THEY DO N'T HAVE ANY INFORMATION OF ME OWING ANY DEPT WITH THEM

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 2019-06-29
Company: Mr. Cooper Group 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: Account information incorrect

Complaint:
Bought home on XX/XX/2019 from XXXX XXXX. XXXX XXXX, an affiliate of XXXX XXXX, took on our va loan and 1st payment was due on XX/XX/2019. We paid in full on XX/XX/2019 and got from XXXX County, Az a copy of home title saying also that it was our home paid in full. Evidently, XXXX XXXX sold our loan to Mr. Cooper who has been calling, sending invoices, harassing us twice a week along with sending late notices. Tried to contact both XXXX and Mr. Cooper many times and still getting nowhere. Mr. Cooper has put our so called loan on our credit report. Filed with XXXX   to have it removed but no luck so far. Tried to explain that we did not have a loan with them but they don't care still harassing and threatening to ruin our credit. We are stuck in the XXXX and Mr. Cooper, who XXXX told us Mr. Cooper would not take over loan until XX/XX/2019. Please help as we are elderly, husband a veteran and XXXX. Don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Within a five month period Suntrust mortgage has gone up on my mortgage over {$1400.00}. I went from paying {$4100.00} a month to effective XX/XX/XXXX to {$5400.00}. XX/XX/XXXX was the first raise from {$4100.00} to {$4700.00}, then I received a notice in the mail yesterday that it is going from {$4700.00} to {$5400.00} all this within a five month period. Approximately in XXXX or XXXX of XXXX they sent me a letter stating that their flood maps, not FEMAs, has me in a flood zone and they were giving me a flood insurance policy of approximately {$2700.00}. To me it is not fair impose on such a hardship for me to keep my family home. I have attached FEMA flood maps, the Suntrust letter informing that I am in a flood plain on their maps, the documentation that they sent me saying that I have a {$5000.00} deficit in my escrow and that is why my payment is going up to {$5400.00}. Im not delinquent and I have not missed a payment. I have gotten no notification from the county that my taxes have gone up. Suntrust gets a notice every year from the county showing what my taxes are, and they have not increased, so I dont see how there is a shortage in the escrow account. In addition, they now sent a letter stating that they have cancelled the insurance, without telling me what insurance was cancelled, or without reduction to my payment. They also have moved it to another servicer, but Suntrust still owns the loan. Also, they have removed the loan from my credit report. For Suntrust to raise my mortgage by almost {$1500.00}, without a justified reason, has caused me great hardship. I am sending some information now, and will upload additional documentation within the next couple of days.

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