BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-08
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I C Systems has engaged in harassment by continuously reporting the same debt to at least the credit bureau, XXXX. The debt was reported four times in less than 30 days. This was an effort to pressure me into paying them and obliterate any creditworthiness I may have had. The debt is in the amount of {$9800.00} ; the original creditor is XXXX XXXX XXXX. By repeatedly reporting the debt back to back my credit rating was destroyed. This tactic was intentional and deliberate. 

The debt was reported on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. It is common knowledge among debt collectors that if a consumer disputes a debt this too may also lower their credit score. I C System Inc. abused the credit reporting system by not only using XXXX   reporting to harass me, but also continuously report the debt in hopes I would dispute the debt as well. Since I received notification of the derogatory entry on my credit report, I have not claimed ownership of this debt ; however I C System continued to practice unethical debt collection practices via credit bureau reporting ( harassment ). 

Prior to the debt appearing on my credit report, I never received any notifications from either the debt collector or the original debtor so that I could dispute the 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 explanation
Consumer complaint received 2018-08-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have had a home equity loan with USAA for about 10 years. Durning that time I have made the agreed monthly payment plus a separate payment ( {$200.00} ) that was applied to principle only. This worked fine until USAA transferred the administrative tasks to XXXX XXXX  in XXXX of this year. Since then XXXX has taken out interest first then applies the remainder to principle. I have called USAA a number of times to resolve this only to be told they will get back to me by the next day, this has not happened. I have also called XXXX and was told by them that USAA has directed XXXX not to process the loan in that manner. I was also told by XXXX that they will send me documents to clarify my loan, this has not happened. 
To support my claim I have : 1. email from XXXX 2. Bank and loan statements from USAA 3. Loan Statements from XXXX I have not attached these documents as they contain sensitive information you stated such not be include in this submission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Screening Reports Inc.
State: TN
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:
Last year after the whole XXXX  data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: NJ
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:
Attempted to dispute issues on my credit report when attempting to verify my information equifax keeps saying the info I am providing is incorrect and when I spoke with a supervisor I was told nothing could be done and the questions they asked are broad based and don't ask specifics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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 pay off the balance on this card ( Visa XXXX ) from month to month when I do use it, which has not been often- if at all- over the past year. Despite that, CapitalOne charges a {$59.00} annual fee, which is excessive. In previous years, they would accommodate good customers ( like myself, who have a long, good payment history and multiple cards ) and refund and/or waive that annual fee. Now, CapitalOne phone representatives claim " they are not able to do that because of their new system '' or some XXXX  like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
There is a Chapter XXXX bankruptcy listed on my XX/XX/XXXX Equifax Credit Report. This bankruptcy was not on the Equifax report between XX/XX/XXXX and XX/XX/XXXX. I was never notified that there was a change, and that this bankruptcy information would be placed on the Equifax report in XXXX ; it just reappeared with no explanation from Equifax. This action is illegal! In addition, the bankruptcy notation has been disputed to XXXX and XXXX because the bankruptcy court does not provide any information to the credit bureaus regarding bankruptcy. There is no law or standard that supports credit bureaus or XXXX XXXX placing bankruptcy filings onto consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Experian Information Solutions Inc.
State: NY
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:
The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report including all Inquiries. I have no knowledge of the information reported on my report XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Unsecured Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$40000.00} Balance Updated XX/XX/XXXX Original Balance {$40000.00} Monthly Payment {$970.00} Past Due Amount - Highest Balance - Terms 60 Months Responsibility Joint Account Your Statement - XXXX/XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 71 % Balance {$4200.00} Balance Updated XX/XX/XXXX Credit Limit {$6000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$5500.00} Terms Revolving Responsibility Authorized User Your Statement - Comments - XXXX & XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 92 % Balance {$11000.00} Balance Updated XX/XX/XXXX Credit Limit {$12000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$11000.00} Terms Revolving Responsibility Individual Your Statement - Comments -

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 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX does not update their information, things for 7 years ago that has been paid off is still on my report. I have been having issues gaining employment because of credit report 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 explanation
Consumer complaint received 2021-04-13
Company: Prosper Marketplace, 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 is missing that should be on the report

Complaint:
I Have a loan with Prosper, I had financial problems due to COVI19 and because of this it became impossible for me to pay the monthly payments contracted with PROSPER. I tried to recover as soon as possible, and I was always in contact with PROSPER negotiating agreements to pay off the debt. They offered me that if I showed that I had been affected by COVI 19 they could give me some flexibilities for payment. I sent them the corresponding documents and they agreed to accept me as AFFECTED. They were going to deferral those months and they were also going to add a note saying : Affected by Natural or Declared Disaster. This does not negatively impact your FICO credit score. They did that the first few months and then withdrew the note and my credit drops affecting me the possibility of being able to access some services such as buying a car or even getting a rent or a home. I have attached evidence of the emails with them where they agree to put the remark. After time and after several calls and complaints now tell me that they removed the remark and will not put it back. ( I have attached the Emails )

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 2018-03-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
So while visiting relatives in the XXXX XXXX area, I frequently stopped in at the CHASE XXXX   at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX # XXXX during the latter part of XXXX through XX/XX/XXXX & these BANK employees harassed me by calling the COPS on me without justification as I was just walking past the bank & not even entering it ... I then was introduced to XXXX XXXX who after he opened my account ASKED me why DO I MAKE ALL these purchases which IS NONE of HIS GOT XXXX business ... I then meet XXXX XXXX who gives me a XXXX form because the IRS has returned my FEDERAL TAX REFUND via MAIL instead of placing in the account I authorized through TURBO TAX..Then on XX/XX/XXXX after checking my account I see that it has BEEN CLOSED but NOT by me & I owe {$40.00} and as I go to approach the BANK I see POLICE so I call the CHIEF of Police in XXXX XXXX, Texas XXXX I XXXX from to alert them that these XXXX, TEXAS XXXX who had forced me physically on XX/XX/XXXX to get in their car & they took me to the HOSPITAL that somehow was In XXXX, TEXAS but I live in XXXX XXXX, XXXX & I was sedated with something and WOKE up at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: FIRST NATIONAL BANK OF OMAHA
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I accepted a balance transfer offer from XXXX for a XXXX University-associated card. The first bill included the full balance transfer fee plus the minimum balance calculated, for a first payment of nearly 10 % of the balance due. The fee is less than the remaining available balance. 
The Cardmember Agreement does not identify this fee as payable immediately or indicate in any other way that the transfer fee would be required to be paid in full.

I called the company and they pointed to a small paragraph on the back of the mailing card ( 1 of 4 documents ) stating that the minimum paying would be " ... the current cycle fees and finance charges plus 3 % of the new balance '' and claimed that the balance transfer fee qualifies.

I have done several balance transfers with multiple cards over the years and not one single time has a company tried to front-load the fee. This is not standard for the industry and was not disclosed clearly at any point, certainly not before I agreed to the transfer. 
In addition, the Cardmember Agreement expressly states in Section 18 " Other Terms '' that " This Agreement replaces any prior communications between you and us '' and the Agreement does not identify, disclose, or even suggest that the fee would be due immediately.

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 2021-03-30
Company: ALLIED MORTGAGE GROUP
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 Allied Mortgage was notified by me by phone that my property taxes on my house were not paid via my escrow account. These taxes were due on XX/XX/2021. After multiple phone calls and repeated attempts these taxes still have not been paid as of XX/XX/2021.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: FL
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:
None of these Hard Inquiries were done by me, why are they on my credit report:|XXXX| |HARD INQUIRES:|XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX   XX/XX/XXXXXXXX  XX/XX/XXXX||EQUIFAX| |HARD INQUIRES:|XXXX XXXX XXXX XXXX  XX/XX/XXXX

XXXXXX/XX/XXXXXXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXX||XXXX| |HARD INQUIRES:|XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX., XXXX XXXX  XX/XX/XXXX|

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C Systems inc. whos creditor is XXXX says I owed them XXXX. And that the account was opened two months ago! I havent had XXXX so how the heck can I owe them. I want this removed from my credit NOW!

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 2017-12-02
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 am writing again in great concern of Equifax allowing a company, named XXXX XXXX XXXX, which I have investigated, that is located in XXXX, WI, to put a {$150.00} debt on my credit report. I have never had any relationship, dealings, nor had any business provided by, nor with this company, ever. This company is listed as a family business/collection agency in XXXX, WI -a place where I have never resided, nor done any business and yet, Equifax has allowed this debt to remain on my credit report. This company has no proof of dealings with me, or of providing me any services and yet, Equifax sustains the {$150.00} on my credit report. 

I wrote in concern back on XXXX XXXX, XXXX to the CFPB, explaining that this debt was on my credit report under Equifax and that it did not belong to me. The CFPB allowed them an additional 30 days to get the proof. Still, to this date, I have not received the proof from Equifax. They sent me a note through the CFPB portal with a note stating that the reinvestigation proof of the debt was sent to me on XXXX/XXXX/XXXX and that they mailed it to me on XXXX/XXXX/XXXX. Still to date, I have not received anything from Equifax. And to receive anything after XXXX/XXXX/XXXX, after receiving an additional 30 day extension by the CFPB, would be considered late. XXXX and XXXX had deleted the this off my report due to no findings of this debt belonging to me, nor of the company proving they ever had any dealings with me. I am not sure what proof that Equifax is stating that they have from the company when I have never dealt with them before, nor have had any dealings with them. 

I would like for this debt to be deleted from my Equifax credit report, especially being that it does not belong to me and because Equifax has not proven that I owe this debt to the company named XXXX XXXX XXXX, located in XXXX, WI. Additionally, Equifax was not responsive in proving and supplying the proof to me within the 60 days given by CFPB. This is the only negative activity on my credit report and I am kindly requesting that the CFPB have Equifax remove it immediately, without further delay. I am very unsatisfied with what was suppose to be an investigation -which they called a reinvestigation. Equifax had not investigated this case until the CFPB became involved and I still do n't believe they have done so because I never received any proof from them, although they stated on the CFPB portal that proof was sent to me. Again, I have not had any dealings nor business with this company, which would prove that I owe them {$150.00}, therefore, I am requesting that Equifax remove the debt, immediately, without further delay. 

Thank you so much CFPB and I look forward to hearing back from you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Webcollex, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Starting on XX/XX/2019 I have received several calls ( up to 5 a day from various numbers ) that all trace back to XXXX. They will not tell me where they are from, only that they are trying to collect a debt. They have repeatedly asked for my social security number and have gotten aggressive, loud, and have used profanity when I will not answer their questions without further information. They have also contacted multiple family members after being asked not to. They have not sent me any written documentation and refuse to tell me what they debt is or who they are calling on behalf of. They are threatening me and family members. I do not know what this is about and have told them I will be reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The topics you offered did not offer insight into my complaint/issue. 

I have a collection agency, who is collecting a debt. I have paid this organization, Cache, LLC now collecting as Resurgent Capital Services, on-time for more than 4 years. I owe as of XX/XX/XXXX - {$13000.00} The original balance was close to over {$19000.00}. 

In XXXX of XXXX they reported my debt as derogatory ( I was just made aware as of today- XX/XX/XXXX ) and after speaking to the organization they will not report any timely payments or any information until the balance is paid in full/settled. I have made payments with this organization, as I mentioned, for 4 years+. Why as of XX/XX/XXXX do they decide to report as derogatory 3 years later. What reason, would I now have, for even continuing my payments or settling my debt. I had already sustained the 7 year adverse credit reporting form XXXX XXXX/XXXX, who the original loan is with. Why are they now able to ding me for a derogatory rating for the loan they purchased and that I have been paying on and was already hit for 7 years on my credit. Again, how can a collection agency who is being paid on a loan timely, that took on, hit me for a derogatory rating, when they have been paid timely and I had already been adversely reported by the original lender ; This makes no sense. I was already derogatory with XXXX XXXX/XXXX. I was not derogatory with Cache, LL Resurgent Capital and XXXX XXXX was already on my Credit for over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my credit report about four months ago and I noticed it was a collection on there from Commonwealth Financial Systems , Inc . I had never heard of this before and they did not send me a letter in the mail about about this debt. 
I have written to Common Wealth Financial Systems, Inc three times since about XXXX 2017 asking for Validation of this Debt and a HIPPA Authorization. I also asked them to please do the following : - To please provide a breakdown of fees including any collection costs and medical charges - To provide a copy of my signature with the provider of service to release my medical information to you - To Cease any credit bureau reporting until debt has been validated by me.

Company response to consumer: Closed with explanation