BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: WA
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 a credit card from XXXX XXXX XXXX XXXXXXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me two 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX Equifax, XXXX and XXXX XXXX XXXX XXXX  XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery falsified an agreement on a recorded line stating that I had agreed to pay a certain amount on a debt. After I said no and said I never had agreed to anything, the representative helping me said i did. I then told her I was reporting the false claim and accusations of me and that I knew my rights. She quickly then retracted what she said and could not give me a straight response. The call happened on XX/XX/XXXX at XXXX XXXX on a recorded line. The falsified agreement has been disputed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This started with a credit card charge being questioned for fraud. I received a call on XX/XX/2019 at XXXX XXXX  EST asking about a charge on the card that could be potential fraud. 

I called the Chase fraud department the following morning, XX/XX/2019 at XXXX XXXX EST and spent 20 minutes on the line and got the charge approved and cleared.

A few hours later I go to login to my Chase online account, that is locked. I call again, XX/XX/2019 at XXXX XXXX EST to have that unlocked and spend 40 minutes on the phone. 

I go down to the bank to pull money out of the ATM using my debit card, my debit card is locked. I go into the bank location, XX/XX/2019 at approx XXXX XXXX  EST and ask them to please unlock my card, the Officer/Relationship Banker, at the bank location calls someone internally at Chase. Has my bank debit card unlocked, I ask him if there are going to be any further issues regarding my accounts. He asks the person on the phone, they state no there should be no further issues. 

Neglecting to mention to me that my Chase Sapphire Reserve card being locked for up to 10 business days. 

So I go out to dinner and go to pay using my Chase Sapphire Reserve card, it is declined. I call the number, XX/XX/2019 at XXXX XXXX EST, on the back of the card, the lady explains to me that my account is locked for fraud investigation, but won't tell me anymore. 

I pay for my dinner with another card and call the number I had been given earlier for the fraud call I made first thing in the morning, this call is made XX/XX/2019 at XXXX XXXX   EST. The lady that answers the phone gives me more details and says the account will be locked for the next 10 business days and that there is nothing she can do about it and I need to contact the fraud investigation department directly, but that they are closed until the morning. 

This is unacceptable. Having ALL avenues of access to my accounts blocked is NOT acceptable, especially with no notice. Not through the secure messaging on the website, no phone calls, no nothing. 

Why wasn't I notified during ANY OF THE POINTS OF CONTACT DURING THE DAY?!? 

I initiated 4 phone calls and 1 physical point of contact at a branch location! Not one person could tell me that my card was locked for 10 business days?!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Made the XXXX payment and they refuse to post it to the account and have left it in a suspense account and there is no payment being shown made after they have take the money. I am beginning to think that Bayview is a XXXX group that is collecting money for their cause. They are a bunch of XXXX and XXXX  people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alleged debt appeared on my credit report. I contacted to notify that the alleged debt was not mine and no action was taken. I disputed the alleged debt and the collection agency BAY AREA CREDIT SERVICE has not taken action. This alleged debt is not mine. BAY AREA CREDIT SERVICE needs to verify their information and make sure not to violate my HIPAA rights in the process.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I've tried to handle this matter with XXXX on several occasions. Please be informed that this matter is causing me financial hardship. Failure to provide an appropriate legal lawful response will result in further action. Failure to a response within 10 calendar days will constitute as your acceptance that this is not a valid debt. Please verify, validate that LEGALLY I am responsible for paying this alleged debt. A sample answer of " been verified '' doesnt constitute an appropriate lawful or legal response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-26
Company: Waypoint Resource Group, LLC
State: SC
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:
Have a balance reported of ove XXXX which is not mines. Reported by waypoint resource group. Collecting for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Source Receivables Management LLC
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The Debt Collector Source Receivables Management acting on behalf of XXXX called me in XXXX to collect {$1400.00} which I assumed included an inflated amount by the agency.I said I didnt have that much so they offered to settle for {$800.00} and wanted my bank account info and like an XXXX I gave them the info and at the proper time {$800.00} was withdrawn which I thought settled the matter.Today XX/XX/XXXX they sent me a letter that they had charged my account an additional {$1000.00} causing an overdraft fee 's by my bank. I am working with my bank but their hands are tied until the draft is processed.I only hads {$800.00} in the account prior. I intend to sue this collection agency for causing me pain and suffering.Had they been ethical this issue would have been over. The collection agency is Source Receivables Management of XXXX, NC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I bought something and I returned it back because item was not as described and I did not receive my money back. Now I'm out of my money and item. This is crazy... .I need my money back!!!! It's been more than a month since this happened and when I called customer service, they were giving me a runaround and kept wasting my time! Now I'm looking for an option to sue PayPal for this XXXX XXXX and not taking responsibility to cover buyer protection!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has been harassing me for months. I repeatedly tell them I am not familiar with a Capitol One account with a balance of {$1600.00}. The employee number of person I spoke to last is XXXX. Calls come from many many numbers. Here are a few. XXXX, XXXX, XXXX. They all ways start off asking me personal information before identifying themselves. I tell them to quit harassing me, but yet they continue! I also told them I never had any kind of contract with XXXX XXXX and will not talk to them. They tell me they bought account. I tell them I am sorry for them because again, I have no contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discovered an account on my credit from Monterey Collections. I thought is was odd because I have lived at my current residence for 7 years and have had the same phone number for the same amount of time- I was never notified about the debt. 

That said, I reached to them a few times in writing and finally received a response back from XXXX XXXX ( a  representative of the company ). She advised me that I needed to dispute the validity of the debt within 30 days ... .. and since I had not done that- they did not need to validate the debt- they would move forward with their collection efforts. However, they would report the account as disputed on my credit report. 

I don't understand how I was offered the opportunity pursuant to the FCRA to dispute the debt if it were mine if I never received a collection notice?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Exeter Finance Corp.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/2019 I received a threatening call from XXXX XXXX. The representative asked where the vehicle is located? I explained this is an ongoing dispute with Exeter Finance and I have sent a letter advising only written communications. The representative then stated she does not have any records or document from Exeter Finance referring this and then raised her voice and kept asking where is the vehicle? The second call, the representative left a voicemail stating this is an insurance matter for me to return the call, after I stated do not call me only written communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: NJ
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:
I demand that the credit bureau take immediate action to investigate and correct any false information on my credit report ALL INACCURATE REPORTINGS ARE ATTACHED IN FORMAL LETTER MAILED TO THEM OVER 60 DAYS AGO!!! As a consumer, I have a right to accurate credit reporting, and it is unacceptable that the credit bureau has neglected its responsibility to ensure this. 

The presence of false information on my credit report has had negative impacts on my credit score and financial well-being, making it difficult for me to obtain credit or other financial services. This is unacceptable, and I expect the credit bureau to take prompt action to correct this issue. 

I demand that the credit bureau take my complaint seriously and prioritize its investigation and correction. Any neglect in fulfilling this responsibility is a violation of the law and can result in serious harm to me as a consumer. 

I will not tolerate any further neglect or delay in resolving this issue, and I expect the credit bureau to take immediate action to ensure that my credit report is accurate and up-to-date.

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 2023-03-24
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:
I have disputed with the three credit reporting agencies and these companies have refused to reinvestigate, or even validate the accounts ive been disputing as mines. it's been passed the 15 days given to them by law. they haven't responde din 45 days, and haven't sent any correspondence saying or giving updates of my disputes. and according to the fcra, they can not report anything unverifiable or not 100 % accurate.

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 2019-11-07
Company: CITIBANK, N.A.
State: TX
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:
Card Type : Citi / XXXX XXXX XXXX XXXX  Mastercard Issue : Not refund membership fee {$450.00} Abstract : I contracted this card as it provided access to XXXX XXXX Clubs  in the XXXX. I could have been flying any airlines ( not XXXX - XXXX XXXX ) and still be able to access the clubs as a cardholder member. 

On XX/XX/1919, when accessing the club I was asked for my flight ticket to be granted access. I was also informed the changes took place on XX/XX/1919. 

On XX/XX/1919 I called Citi to close my account and was then informed they would not refund my {$450.00} USD as the membership was charged on XX/XX/1919 and it has been more than 60 days ( 63 days to be exact ). 

The only reason I wanted to close the account is due to the fact there was a substantial change in the terms and conditions to access the clubs and no information had been provided 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 2022-12-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-07
Company: Experian Information Solutions Inc.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2023-06-15
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-12-13
Company: Recovery Management Solutions LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX from prelegal office for covering management solution has called SEVERAL TIMES. Every time he has stated we have to call back by end of business today and in addition when he talked to my husband he told my husband that they were going to garnish his wages, and seize his vehicles. There was never a lawsuit filed. We have NOT received anything via Mail, just harassing phone calls. I called him back and he told me it was a recorded line and I asked him if he had a judgement and he said no I told him that he has not sued us and he can not threaten us like this and he preceded to talk over me and told me to visit their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
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: Their investigation did not fix an error on your report

Complaint:
I have disputed accounts several times with XXXX ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ) due to the accuracy and fairness of how the below mentioned companies continue to report these accounts to the credit bureau inaccurately. XXXX continue to respond to my disputes as the accounts were either verified as accurate or have been updated, however, they are still reporting inaccurately. Such as : XXXX XXXX - failed to send a deficiency letter to support their claim and balance they continue to report. Furthermore, they are reporting that this account has either charged off or is in collections, but they still continue to report a monthly payment and the high balance is inaccurate. They are in direct violation of the FDCPA and FCRA. I have requested this account be deleted permanently from my credit file as this is having an adverse effect on my credit score, furthermore, they are violating my consumer rights. 

XXXX - is reporting several accounts on my credit report, however, they continue to re-age this account monthly, which is a direct violation of the FDCPA and FCRA. 

XXXX - continues to re-age this account on my credit report and have failed to provide proof of the balance they are claiming I owe, in addition to this account reporting that it has been sent to collections or has charged-off. The high balance is also inaccurate.

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