BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-10
Company: Stewart Information Services
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 XXXX and XXXX XXXX sold our home ( XXXX XXXX XXXX XXXX, Washington DC ) to XXXX XXXX and XXXX XXXX. At settlement, The Stewart Title Company explained to us not to discontinue any bills and that they would be responsible for paying the water bill to keep the services on. They told us this after we paid the pro-rated water bill {$220.00}. The {$220.00} was drafted out of our account, after XXXX XXXX after I vacated the premises. 
1. Stewart Title company paid XXXX. and XXXX and I paid {$220.00}, which made a credit amount of {$440.00} cr. on the account which is still in our name. I talked to XXXX XXXX ( XXXX ), the escrow specialist and she is supposed to send an OCR to XXXX XXXX XXXX XXXX to discontinue and remove our name off the water records. I talked to a Mr. XXXX from XXXX XXXX ( XXXX ) and he said they had not turned anything in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please investigate and delete XXXX XXXX XXXX, disputed false account XXXX ( copy of credit report attached ) due to : 1. Last payment date doesnt tie into statements provided by XXXX 2. Account doesnt belong to me.

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 2021-01-28
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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:
On XX/XX/2021, I called PenFed and ask to talked with a supervisor. A PenFed supervisor by the name of XXXX XXXX came on the phone. I told her that I made 2 payments one for {$200.00} and another for {$2000.00} which paid over the amount due for the Balance Transfer due XX/XX/2021. Both payments made were not placed on the balance transfer of {$1900.00}, that expires on XX/XX/2021. Both payments were placed on a balance transfer that is not due until XXXX of 2021, thus will cause me to have to pay interest on the balance transfer that was paid off in XX/XX/2021. Both payments are showing in the XXXX statement, yet the balance transfer is not showing paid in full for the balance transfer due in XX/XX/2021. She told me that she would check on that after a few minutes came back on the line and stated, " This is the way it is done at PenFed '' I ask to talk with her supervisor she told he was not available, and would find out what manager was available came back on the line and stated her Asst. Manager by the name of XXXX XXXX was not able to come to the line although would call me in a couple of hours.

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 2021-01-28
Company: C.Tech Collections, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I became aware of a six year old or so debt by credit reporting agency. I dont believe I owed any money. I contacted collection agency on Monday to obtain detail information and to resolve the matter. I requested they send me information on the debt, where were the services rendered, by whom, amount owed, date of service and if processed by insurance. Collector said they had it on there screen and would not send me the information but gave me a phone number for the healthcare provider. Collector said I had to pay balance in full to have it removed from my credit. Per FDCPA rules they are obligated to verify the debt, this collector refused to do so. I have a right to know. 

Ive reached out to multiple providers in an effort to get details and have been unsuccessful. To date the collector refused to prove me with any details regarding this alleged debt, if they represent the original creditor or not, nor has any other provider been able to provide me any details associated with this alleged debt. Ive been given the run around ona debt I dont believe is even collectible 6years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
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: Account information incorrect

Complaint:
Equifax is not returning my credit score to the original score of XXXX from XXXX they bumped it to XXXX big deal. This incident was all created by XXXX  XXXX credit card XXXX. I had an agreement with XXXX  XXXX that there would never be any service charge of any kind for this card. Then they created a charge without my knowledge wich I was only brought aware of after the credit agency contaced me and said theres a late charge on your credit. I called XXXX  XXXX several times and they admitted fault and agreed to cancel the account. Then I rechecked the account and it once again says I owe like XXXX. this company is forcing me to pay for something I canceled several times while in the process has damaged my credit score. I am sick and tired of dealing with these fraudulent people Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have been trying to get information corrected on my credit bureau report with Transunion and XXXX. XXXX XXXX of XXXX Texas are reporting a medical bill dating back to XXXX of 2014 as a new account.

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 2022-10-05
Company: ENCORE CAPITAL GROUP INC.
State: OK
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 called Midland Credit Management ( XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, phone XXXX ) on XX/XX/XXXX, & personally PAID IN FULL {$1300.00} from my checking act, for my delinquent XXXX XXXX BXXXX  XXXX XXXX. Afterwards I received MCMs receipt dated XX/XX/XXXX thanking me for my payment & promising to send update to the 3 major consumer reporting agencies as paid. But this act is still listed on credit reports to this day, as charged off, not paid. And is listed with the last pmt to this XXXX act as falsely made way back on XX/XX/XXXX. Thus falsely hurting my credit score significantly. It appears my payment was embezzled, stolen & never applied to my XXXX act. I finally called the company & a foreign-sounding harsh-speaking man informed me that he hadnt had enough time, but would be promptly reporting my pmt soon. But still now in XXXX, nothing reported thus making this derogatory act remaining on my credit reports. Pls help me to get it removed. Thank You in advance!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A phone call purporting to be Chase telling me they could lower my interest on my credit card. I do not have a Chase card. the number that was used is XXXX. They have been calling form XXXX -xxxx varied numbers for over a week now and my number is on the do not call list

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX. Keepsreneging on an earlier settlement with the CFPB, and states my account was in cghharge off/collections, espite the fact that the account was paid and closed.XXXX   hadrefusedtomprocess my report to the gap coverage that I had earlier paid for ; it thereafter agreed tht I was entitled to gapcoverage and agreed to alter its prior credit report that the account had been charged off and in collection status. 
As of this writing, the report on TransUnion says the account has been charged off and in collection status. These actions are vindictive, wrongful and have impairedny credit.

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 2020-01-23
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I requested a free annual credit report from Equifax. I had requested a report last year under the same address. Equifax had obviously failed to update my current address. Therefore, they requested that I fax them yet AGAIN my identity information. The fax process is outdated. This is XX/XX/2020. They were unable to provide me an up to date technical resolution process Furthermore, Equifax requested answers to questions related to my credit report. NONE of those questions related to my current credit status. I can only assume that Equifax is not processing my consumer credit information properly. In additon, they are requiring me to correct their mistakes. Absolutely, unfair to the consumer. In addition, XXXX  had my information fully updated and was able to handle any questions I had within a reasonable amount of time ( 30 minutes ) and process my report. In conclusion, if Equifax is to provide credit reporting services, they should obviously be as accurate and accessible as any other credit reporting service. Please help all of us consumers with these issues. Thank you for hearing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company charged me a usury interest rate of over 400 % in which I was not aware of, their collection agency has consistently harrassed me, after I, have told them to stop ... because my XXXX year old wife if  sick. I told them that the usury interest rate of 400 % is illegal and to remove their name from my credit report for this illegal activity..Their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX, KS XXXX Phone XXXX Fax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.

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 2018-02-07
Company: Social Finance, Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have asked the company in question to stop offering me their credit products ( or any product/marketing communications for that matter ) but I'm still receiving offer letters sent to my home on a monthly recurring basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
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: Information belongs to someone else

Complaint:
After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 I wrote Equifax and they failed to reply within 45 days to verify these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Ok, I have the proof attached from XXXX XXXX  ( my former lender ) that they mistakenly reported incorrect information on my credit report that is currently damaging my character as a good credit worthy individual.

I just want Experian to MOVE the DELINQUENCY and stop sending me my credit report in the mail cause it is not what I am asking for ... .. I tried reaching Experian to dispute and show them the Original letter signed by XXXX XXXX but i guess they are tired of me and blocked my privileges to dispute online and they never answer my call when im transferred to the dispute department.

This should be my final dispute!! What more do they need????

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 2022-02-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased 2 plane tickets thru Chase XXXX that was later cancelled by XXXX. A few months later, I ended up cancelling the credit card. 
Over a year later, I received an email from the Chase advising me of an expiring travel credit. I called Chase inquiring about this but said it was actually already refunded. When I asked for proof of refund, they do not have any records of it anymore since the credit card was cancelled. I then sent a certified letter to the head office in Delaware in late XXXX requesting help. I have not heard back from them since. 
I again receive an email advising me of the expiring {$1500.00} credit within 21 days. I called Chase requesting proof of refund but have not had any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was experiencing financial hardship and called XXXX XXXX to setup an arrangement. In the process I asked for exact dates for when both cards ending in XXXX and XXXX would go into collections and was told that for XXXX XX/XX/XXXX and XX/XX/XXXX for card XXXX. When I called in to make the payment on card ending in XXXX before the said date, I was told that the card had been charged off and that it was nothing that could be done. This is unacceptable as it is clear that I was miss-advised. Not to mention, XXXX XXXX and the collection agency Midland Credit Management are both denying me my right to the recording of the call. This is pure negligence that I insist on fighting to the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: FL
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Until this day, over 60 days later, I have not received a response yet. I feel like Im being ignored and taken advantage of regarding my disputes. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress cause to me. My information was also impacted by the XXXX  data breach and may have got 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 2019-02-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated college back in XXXX. Back then, my school loan was with NY Department of Education and afterwards Sallie Mae. I was told numerous times that my starting salary in my field would be around $ 50k. With some smart saving I thought I would be able to still pay off my loan while my wife and I lived in a small 1 bedroom apartment. When I was finally offered a permanent job, it was at $ XXXX/hr in my field. A far cry from the $ XXXX that my college said I would start at. I called Sallie Mae and was never offered the income based payback method. Everything was with them was always deferment. This went on for years even after Navient took over. I went from under a $ 30k student loan to $ XXXX student loan because of all the deferments and the high interest rate of 8.125 %. The difference is all capitalized interest and whatever other fees they tacked on through the years. Navient wouldn't let me refinance at a lower rate because they said I was ineligible. They knew what they were doing and never told me I could of paid based on my tiny take home paycheck starting back in XXXX! Fast forward to XXXX. Im finally making a little money hoping to start making payments to bring this ridiculous monster debt that I shouldnt have down. Now all of a sudden they want to do income driven repayment. I told them I cant do more than $ 150/month. Everything they calculated was through my tax returns. Nobody from Navient would work with me regarding what I could actually afford to pay. Jump to XXXX and now Navient wants $ XXXX/month which I definitely cant do. The company seems to forget that I dont get to keep what the IRS reports and that Navient is not my only bill. I have to pay for my vehicles to get me to work to earn my paycheck. Pay for gas to get me back and forth to work as well as insurance. Pay for the roof over my head because in my job, I need to be awake and very alert. Pay for the various personal insurances. Monthly utility bills because heat would be nice in the cold months and a little a/c in the summer since where I live it gets very hot. The credit cards because thats the only way we can afford to buy our food and those are maxed out. My wife packs everything up for me and I dont order out because we cant afford it. Then there are other bills as well. You get my drift. I have told Navient time and time again, even paying $ XXXX/month is pushing it but I can do that on time every month unlike the {$720.00} payment. I want to pay it off, but I simply cant afford that much even though my tax returns look like I can. By the time everything is paid, Im lucky if we have {$5.00} left in the bank. So maybe Navient will step up and work with me since I had no choice but to come on here and complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX has updated that this XXXX account is paid a settled. Whereas XXXX  and Experian has not updated the account as a paid and settled charge off with XXXX balance. Its an XXXX account store card account number is XXXX. Need XXXX and Experian to update comments as paid charge off settled account as XXXX  did

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