BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-05
Company: EQUIFAX, 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 filed for Chapter XXXX back in XX/XX/2009, in the County of XXXX California. I recently noticed after all this time that XXXX  has it listed as if I filed the BK in another county out here in California. From my understanding if anything is incorrect on the listing you can request to have that item removed and that is exactly what I am doing since it is not correct and we are almost at the 10 year mark. At this point all they did was say was the information was validated by their outside reporting system and nothing would be changed or removed at this point. 

I would like to request since the credit reporting agencies are not even the ones that make sure that this information is even correct, and rely on outside sources, that this be removed from my credit report since again I am 5 months from this being removed from my report. 

Here is how they have it listed : You have 1 Public Record Record Type Filing Date Amount Reference Number Court Plaintiff Bankruptcy chapter XXXX-discharged XX/XX/2009 {$0.00} XXXX US BKPT CT CA  XXXX XXXX And here is the correct information for the court house : Address : United States Bankruptcy Court XXXX District of California XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I refinanced and paid off a car loan that was held by Bridgecrest back in early XXXX of 2019. It was overpaid by aproximately {$130.00} and I have not yet received the refund of the overpayment. Everytime I call they tell me that a check has been sent and verify the address with me but it has been 2 months and I have not received a check. I think there has been adequate time to issue this refund and do what is necessary to make sure I receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: JPMORGAN CHASE & CO.
State: OH
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:
On XX/XX/2020 I was contacted by who I thought was Chase Bank via text message. They stated I had usual charges on my account. I tried to call into chase and waited several hours on the phone with no success of talking to a representative. I finally received a call from someone stating that they were from chase. I verified my account information and identity. They stated that my charges were blocked and that a new card would be sent to me. An hour later on that same day my account was charged twice for an amount of {$210.00} and {$210.00}. These came from XX/XX/XXXXin Florida. It could not have been me as I live in Ohio and i had several charges earlier that day to prove that i was in Ohio. I manually locked my account through the website. I spent several hours on the phone later that evening and the next day ( XX/XX/20 ) trying to get a hold of a representative. Once I did they said that I was contacted by fraudsters and that they would reverse my charges. We canceled my card and a new one was issued.

I noticed several days later that those original charges were back on my account. After attempting to get through to chase for several hours on XX/XX/20and XX/XX/20 I was able to speak to an agent. They are saying that they will not accept this fraud claim as it is being considered a scam. I am now out {$420.00} in the middle of a global crisis and economic shutdown. Chase said they will not pursue this claim any further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-05
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO  allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. 
Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
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: Account status incorrect

Complaint:
I have received account closed notices on my XXXX XXXX 's XXXX account for two months consecutively. 

The first was XX/XX/XXXX he second was XX/XX/XXXX. The account is NOT closed. I have contacted the creditor and the credit bureau in reference to this matter and Transunion sent a notice to me with Remarks '' Account closed by XXXX ''. I have proof from XXXX XXXXs XXXX that the account is not, nor has it ever been closed. 

This has hurt my credit score tremendously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we received a notice in the mail stating that our monthly payments would increase by {$480.00} due to a deficit in our escrow account balance. Because no increases had been made to our taxes and our loan is 3 years old, I pulled up our escrow account activity to see what was going on. 

In reviewing our escrow account activity, I identified two identical payments of {$2700.00} ( total amount {$5500.00} ) made one week apart in XX/XX/XXXX. These amounts do not coincide with any tax bills ( County, Township or School ). I called all three offices to inquire about these payments. No one has any record of receiving these payments or a refund being sent out ; nor do they match any tax bills. In fact our taxes had been paid in XX/XX/XXXX prior to these XX/XX/XXXX payments. I originally spoke with someone from Flagstar back in XX/XX/XXXX ( and even put additional funds into our escrow account in XX/XX/XXXX ) while they figured out where those payments went and returned them to our escrow account. 

I have continued to call and email since the beginning of the year and have not gotten any answers. As of today, we were told that they can not identify where these funds went. With computerization where it is today, there is no valid reason that Flagstar should not be able to track these payments and get them placed back in our account. With children in college, an additional monthly payment is a hardship for us. 

At this point our escrow account is at a deficit of {$5200.00} ( almost identical to the double payments made in 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 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a XXXX  father to a XXXX XXXX, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

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 2017-12-01
Company: CURO Intermediate Holdings
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Last month I spoke to a representative from the ( Speedy Cash ) company and was told that I missed a payment and that it needed to be paid and so not only did I do that I also explain to the representative that I wanted to opt for automatic payments so she set everything up for me the call was pleasant and we hung up, not once in that conversation was I told about any behind payments nor was I informed about my car being on a repo list my car is paid for theres no way I would ever have someone take my car from me for XXXX XXXX dollars or XXXX XXXX dollars its my only means of transportation for me and my family and as of this morning my car was taking I called the police because I thought it was stolen from me without notice of any kind it was repoed.I spoke to a lady in theyre recovery department to try and resolve the issues and she tells me that all these fees need to be paid before retrieving my car and this is where the problem lies, I am willing to pay obviously what I owe but I dont feel that I should be responsible to pay other fees that are associated with theyre laws if I didnt know the status of my car theyre saying they attempted three times by mail I dont have one correspondence from them out of three attempts I at least should have gotten one of  them an or a email or something and I didnt the last email I got was from a successful payment on XXXX/XXXX/2017 they could of called me anything but nothing. No one ever reached out to retrieve the initial payments because I could have resolved it and I feel like this is and attempted to get monies from people without purpose but I just dont have it to give please help me out. Sincerely Angry Consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I had an account with bank of america for 6 months with my direct deposit from work going in every week for XXXX one day i deposit a check of my daughter supposed payroll for XXXX they gave me XXXX in advance available 3 days later they close my account because it was a fraudulent check they charge me the XXXX out of my direct deposit that came that week and gave a check 3 weeks later for XXXX i don't care about the account being close with them they terrible what i care is they report me as fraud to check systems and early warning and because of this i can't open another account this is not fair i paid them what it was own and that check wasn't mine it was from my daughter online employer i was doing her a favor where is the fraud there? Now all the banks think i do fraud

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 2017-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Hi. 

I was making a payment on my Capital One credit card on XX/XX/2017, and missed their XXXX XXXX   deadline by about an hour. The penalty was {$35.00}. I called a rep and they tried to waive the fee, but since I had one penalty waived this year, their computer would not let them. 

Unlike most credit card companies, Capital One requires you to make the payment at XXXX XXXX. Any payment after that is moved to the next day. Mine was paid over the phone at about XXXX XXXX - one hour or so past their deadline. Most credit card companies take payments to XXXX. I live on the West Coast and the work day for me does n't end at XXXX XXXX. The payment due date fell on a Friday. It also happens to be a day when a lot of people get paid and have to get to the bank before the end of the work day. 

If you make a payment during a 24 hour period, it should be credited that day. I cant think of any reason for a cutoff time other than to bleed their customers. Can CFPB do anything about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Applied Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
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: Was not notified of investigation status or results

Complaint:
Ran my credit report early XXXX XXXX Note a negative collection action placed on my report as of XXXX XXXX - {$680.00} XXXX XXXX XXXX XXXX o Collection was dated as active in XXXX, for services in MD in XXXX o I left MD in XXXX to move out of state Agency acknowledged they had received my letter and would send me letter Reached out to original creditor - XXXX XXXX, informed of {$570.00} debt and that theyd sent itemized bill to agency o Never contacted by collection agency, nor notification that collection would be placed on my credit report Sent let of dispute to agency letter requesting verification of letter of original debt XXXX/XXXX/XXXX, per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Called agency to request letter on XXXX/XXXX/XXXX Received itemized bill from original debtor XXXX/XXXX/XXXX and attempting to close out debt Have yet to receive any communication from agency regarding debt

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 2018-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
I was not late for the dates shown in XX/XX/XXXX-XX/XX/XXXX. All other dates are N.A. they have removed this one other two credit reports but have not on 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 2022-08-11
Company: Experian Information Solutions Inc.
State: CT
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # 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

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 2021-09-02
Company: Bread Financial Holdings, Inc.
State: PA
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:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am being charged factitious interest that do not correspond to what it's supposed to be. I reached out to them multiple times to try to solve the issue, but they don't seem to be willing to provide any satisfactory issue to this matter. I am therefore requesting and in-depth review of all payments and interest charges that have been imposed to my account. I hope this would help not only with my case, but as well as other folks in the same situation. 
Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2018-10-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am a XXXX year old widow on a fixed income. I dont know the exact date, but I recently borrowed {$5000.00} from XXXX XXXX XXXX in XXXX Texas using my car as collateral. Without any notice, my payments doubled then someone was sent to my property without any documentation threating to repossess my vehicle. I was verbally assaulted including racial slurs. After contacting XXXX XXXX XXXX office, I was referred to this service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: Ocwen Financial Corporation
State: CO
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:
Interest rate on second mortgage increased, auto payment was not increased by lender. XX/XX/2013. 

Problem was fixed, after intervention by CFPB. 

Negative report was re-added to credit history last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX payment. {$1600.00} XX/XX/XXXX XXXX payment. {$390.00} XX/XX/XXXX XXXX PAYMENT {$750.00} Future attempt to seize paycheck {$810.00} I have asked since day one to provide proof of purchase. Only thing delivered has been a balance statement. None of the statements have any item for what was purchased

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: I.C. System, 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: Information belongs to someone else

Complaint:
First off I am impacted by covid19 so this debt should not be thrown to collections. I have no knowledge of this account. Several years ago I had an employee of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX sign me up fraudulently for contracts. I complained to attorney generals and the XXXX. I was told the employee was fired and i would have to sue them. I was also told it would be removed. Please help me get this off my credit report. Seems like some local XXXX Florida XXXX business tricks. Again.

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 2018-02-15
Company: Coinbase, Inc.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I woke up today ( XX/XX/XXXX ) and noticed I had been double charged and triple charged on ( XX/XX/XXXX ) for a previous purchase this month from " Coinbase '' the digital currency exchange. XXXX, XXXX, XXXX, XXXX - Totaling XXXX I've e-mailed Coinbase 3 times and gotten generic responses and couldn't get anyone on the phone. My bank acct is in the negative now and I'm fearful I will incur some overdraft fees because of this. 

Thank you

Company response to consumer: Closed with explanation