BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-16
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Receivable Performance Management company continues to call my home, cell phone, and now my place of business from several different numbers. When I answer the phone, I get no response. Finally when someone does respond, they wo n't tell me why they are calling me. They continue to call several times a day harassing me and not telling me the reason for the call. They ask me to confirm my name and address. After I have done so, they still wo n't tell me why they are calling. This has been going on too long and each time I block their number, they call from another number. They have called from XXXX, XXXX, and XXXX. I have asked that they stop calling me and they continue to contact me. The address and main number for this company is as following : Receivables Performance ManagementXXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This credit card HSBC BANK NEVADAWith the original account # XXXX in the amount of or close to {$15000.00} has more than exceeded the statue of limitations being that their has been no correspondences, payments and or dialogue in more than ( 6 ) years. I would like the credit agencies below to contact XXXX Credit Burea and or other credit agencies to remove this negative mark from my credit report and or issue out a letter to me on my behalf that THE EXPIRATION OF THE CALIFORNIA STATUE OF LIMITATIONS BECAUSE OF MORE THAN ( 6 ) YEARS, LIMITS THEIR ABILITY TO PURSUE LEGAL REMEDIES. 

THE CURRENT COLLECTION AGENCY PERTAINING TO THIS HSBC BANK NEVADA CREDIT CARD ACCOUNT # XXXX IN THE AMOUNT OR CLOSE TO $ XXXX XXXX ( their account # XXXXAddress : XXXX XXXX XXXX , XXXX XXXX XXXX. XXXX XXXX, Ca. XXXXPhone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: ENOVA INTERNATIONAL, INC.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My original loan was for {$2500.00}. They started off with a {$250.00} fee and only gave me {$2200.00} for a {$2500.00} loan. Now that I've paid for 3 months, I've paid a total of {$1300.00} and still owe {$200.00} more than I borrowed and they've made my XXXX XXXX score go from XXXX to XXXX. I had no idea what a rip off it was because it was recommended by XXXX XXXX. 

I'm furious and this shouldn't be legal. This is the definition of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to the free credit report website to request my free annual reports. I was able to get reports from XXXX and XXXX without a problem. However, when I requested my report from Experian, it said that " a condition exists '' that prevented me from receiving my report, and directed me to mail my request. No other explanation was provided. This seems like a very intentional barrier created by the company to reduce the number of requests they receive. By making it more difficult to get a report, they likely stop many people from requesting them, and thus avoid having to provide them and address challenges to the contents.

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 2022-11-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted my initial complaint to CFPB ( XXXX ) due to Account Resolution Services violating the Fair Credit Reporting Act and not providing me with validation of a medical debt that of which I have no knowledge. 

ARS responded XX/XX/2022 stating they sent debt verification in the past, which is not the case ; and then acknowledged that they should have sent something more substantial. ARS indicated that they would be providing the verification of debt as required under FCRA. It has been well over 30 days and ARS has not complied and no verification of debt has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion has consistently inaccurately reported a credit card balance issued by my banking institution. Each dispute has come back verified. I paid the credit card in full on XX/XX/2022, for $ XXXX and no additional payments have been reported to Transunion to date. The utilization rate is currently 37 % when it should be XXXX. In XXXX, Transunion accurately reported a balance of {$5.00}, and then the entire balance of $ XXXX was re-reported and consistently after that. The other bureaus are reporting the XXXX account accurately. It violates the Federal Credit Reporting Act.

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 2021-03-15
Company: ACIMA CREDIT, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The company failed to honor their 90 day " same as cash '' agreement by fraudulent means. I attempted to make this payment close to the expiration of the 90 days and was unable to due to an error on the company 's website. I engaged the company by contacting customer support and didn't receive a response until after the 90 days. I believe this to be a fraudulent tactic in which the company uses. Now, I've paid twice the amount of the " same as cash '' price and the company has cashed {$3000.00} in overdraft fees to my bank account by retrying the payment reach time it fails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Netspend Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2021, XXXX XXXX XXXX XXXX loaded money from a check they could not completely cash on to a Netspend by XXXX prepaid card. 

Customer service took far too long to respond, and relayed false information of how to verify my identity. 

I used my secure inbox on the Netspend app on XX/XX/2021 to asks question, and Netspend advertised they would respond within 48 hours, and as of XX/XX/2021, they have not. It has been over 50 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 explanation
Consumer complaint received 2016-11-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are inquiries on my credit report that do not belong to me. I have not applied for anything since applying for my car in XXXX 2015.

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 2015-07-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/XXXX Chapter XXXX Bankruptcy petition # XXXX was filed in Hawaii and included creditor XXXX XXXX for an unknown amount ( guessed {$540.00} XXXX. 
XX/XX/XXXX Chapter XXXX Bankruptcy discharged # XXXX including XXXX XXXX debt. 
XX/XX/XXXX - XXXX XXXX has continued to forward discharged debt to collection agencies. XXXX has removed the XXXX XXXX XXXX XXXX but Experian refuses to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am the home owner and XXXX  of a property. I went under contract with a customer that was using Planet Home Lending in Ohio. The buyer, as per the contract, submitted to me {$2000.00} in due diligence money. The mortgage closer from Planet Home Lending advised all parties Regarding the {$2000.00} XXXX, I apologize for any confusion, but I did not state this is a simple removal just that the funds are not verifiable and will need to be backed out of the transaction and returned to the borrower. The borrower will need to come in with the additional {$2000.00} at closing for the buyer. The Due Diligence deposit of {$2000.00} was money paid directly to the seller, me. This deposit has been a part of the contract from day one. The mortgage loan originator for the buyer stated, " the seller is going to keep the {$2000.00} that the buyer already paid. We just need an amendment for an additional {$2000.00} in seller credits so that we can put that towards the loan and keep the cash to close the same and so that everything is a wash. '' We obliged and agreed to change the contract as requested, under the written notice that I, the seller, would get to keep the $ XXXX that was already received. When the sale was canceled, the buyer and her realtor demanded full refund of the due diligence money as the contract no longer stated that it was in the contract. After speaking to legal representation from my realtor, we were advised to return the funds and look at options to recoup the lost money. 

Attached is the written communication stating what I have previously written above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Audit & Adjustment Co. Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is not an account attributable to me, someone has obviously been using my SSN to gain access to services under my name. This is not my debt and needs to be cleared from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was late in paying a statement balance. The next day I paid the full " statement balance '' not the current balance. I was charged a fee and interest ... .no problem. the next billing cycle I was charged interest again even though that statement balance was paid on time. When I called Chase XXXX. I was told by XXXX different employees that this was the correct fee but they would try and waive it. I finally spoke to the super. and they admitted it was a mistake and they removed the fee. she said the " interest was not suppressed even though I had paid the full statement balance. I suspect the computer algorithm is erroneously charging many other Chase customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I 've applied for multiple lo a ns over 5 months o n ly when I can find on who does do a hard inquiry, I applied from my account with score that said I had a fair c hance. My installment loan company Wilshire consumer credit is charging 77.4 %. Thi s is straigh t out rip off. I 've paid mypayment agreed to contract. I need a personal loan for a lower rate to cover that loan and other debt that are mine..the correct portion. I 've asked the lo a n companyif we can lower interest. They have told me no, or other time ignore my question. I 'm upset th a t they c a n legal keep the interEST up even though I paid and in good standing. I wish I 'd never got the loan. It doing me harm. XXXX h a d me down XXXX loans, now they have XXXX open and I a sled Wishing to correct I t, I never received any call to do the process it 's been 3 mon t h. I only have XXXX loan under XXXX. They have me do for almost XXXX 

Help where or what do I do. I need the service I deserv. My next case is going against all XXXX credit bureaus for not verification of debt they put on t he record .... 

I wish I knew what to do next. This has done damage to my choice to be approved for a lo a n to pay debt and re pair it, the more stuff that identity theft shows up I 'll never get out of it as n buy a home. Renter f o r the rest o f my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
As a XXXX customer, my personal information was involved in a data breach at Experian. As a result of said breach, Experian offered a lifetime of credit monitoring through it 's subsidiary, XXXX. I signed up for this offer for my personal data being breached in XXXX 2015. I was given the following Experian XXXX Number : Experian 's XXXX Customer Number : XXXX Upon opening the account, I was given access to my Experian credit report and alleged activation of monitoring services was required for me to set up. 

XXXX XXXX, 2015 I signed into my XXXX account and was surprised to see that the credit report I pulled in XXXX was deleted, showing in my account as " No credit report available '' although I pulled it in XXXX 2015 and in my archived credit reports section it shows " no credit reports archived '' although I had XXXX pulled in XXXX 2015. 

Experian left a customer service phone number of XXXX, but it only lead to pre recorded messages. I then noted that another number flash XXXX XXXX XXXX which disappeared. I called that number and reached a Experian person that stated they delete the credit reports from pulls and archives after 30 days and I can buy a new XXXX for {$9.00} from them. 
I was shocked to hear this as I am entitled to my previously pulled credit report. She ( XXXX customer representative ) stated I was not and I requested a supervisor. 
The supervisor said they delete all reports after 30 days although there is a archived section on my account. It appears this not available to consumers effected by the Experian/ XXXX breach and they are trying to upsell me furthering effecting me due to this breach. I asked the supervisor how I can get my previous XXXX report and I was told that I could go to free annual credit report or buy a report from them. 
I stated they were breaking several of the FCRA laws and I was hung up on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My vehicle was stolen and crashed. XXXX XXXX, Pa law firm represented the insurance company. XXXX XXXX court dockets show a summons issued for me was Returned Unserved-Does Not Reside At The Address Given ( By XXXX XXXX to the XXXX 's office for service ) I learned about this when I received a letter that they had ordered my driver license suspended. I contacted XXXX XXXX law firm and was told the summons was signed for by the person who stole and crashed my car mother ( AT THEIR ADDRESS ) I never resided at their address, nor did I communicate or have contact with them. Although, I never had knowledge of a court date this is the information XXXX law firm used to obtain a XXXX Judgment against me, suspend my driver license and put this judgment on my credit. 
As shown in the court docket records I filed with the court to reopen this case and filed a motion to be dismissed from this debt and judgment. XXXX XXXX law firm then provided me with a letter of satisfaction ( no longer holding me responsible to this debt. I filed the letter with the court and with all XXXX credit agencies. Experian is the only credit agency that refuse to remove this from my credit. Stating that a judgment can not be removed simply because it is paid. However, the judgment debt is Not paid. I am NOT the responsible party for this debt and therefore, it was satisfied against me. I mailed all of the necessary documents to all XXXX credit agencies XXXX XXXX and XXXX removed it under the Fair Credit Reporting Act since I am Not the responsible party. The responsible party was later arrested on a warrant for XXXX. He also filed a letter with the court/Judge and with XXXX XXXX law firm, stating that he took my car without my knowledge or permission I sent this information to Experian and still, this judgment on my credit is preventing me from fair credit and fair housing. This is not my debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: JPMORGAN CHASE & CO.
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: Other problem

Complaint:
Chase Marriott XXXX points were to be redeemed for a 6-night stay at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2022, 17 days after check out, without our authorization, XXXX XXXX charged our Chase Marriott XXXX credit card {$660.00}. I contacted XXXX XXXX XXXX XXXX three times on XX/XX/2022. On XX/XX/2022, I spoke to XXXX XXXX XXXX. XXXX XXXX advised we were charged for what they say was insufficient vouchers. 

Chase Bank will not allow us to dispute the charge on our credit card because we stayed at the hotel. Even though it is Chase 's XXXX program that was to cover the stay. 

I contacted Chase Marriott XXXX. Today, XX/XX/2022, XXXX automated system indicates a point balance of over XXXX. XXXX XXXX XXXX XXXX was opened. I have no idea what this entails. 

But again, I lost hours and owe money in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I dispute the following accounts below on XXXX XXXX, 2015 and XXXX XXXX, 2015 directly with Experian and they failed to mark these accounts as in dispute. 

There are two possible violations here of the Fair Credit Reporting Act. 

1. They ignored my dispute and failed to conduct a reasonable investigation. 
2. They contacted the furnisher of the inaccurate information and failed to mark the account as in dispute. 

XXXX XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have a bank account at Chase. It has maybe XXXX to XXXX transactions a year. 
XX/XX/2015, someone went into a Chase branch and obtained a ATM card to my account. This person withdrew all the funds from my account. I was notified when Chase Emailed me that the account was overdrawn. I filed a claim through the Chase system, and they denied my claim. Chase says they see no evidence of fraud. 
So Chase gives a crook an ATM card to my account, and Chase says to me too bad, your money is gone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-03
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CBE continues calling me after I asked them to stop calling and blocked their number. They use different numbers each time they call to avoid the call being blocked. They called on XX/XX/XXXX from XXXX, then XX/XX/XXXX from XXXX, then XX/XX/XXXX from XXXX, then XX/XX/XXXX from XXXX, then XXXX from XXXX, then XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I recently applied for a mortagage and the company declined my app because of my credit score. The notice from the comapny stated that my score was XXXX but Experians own website stated my score was XXXX which reads as fair on experians scale.

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 2016-10-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received credit card information in the mail in XXXX and called XXXX stating that I did not inquire about opening an account. Fraud alert was implemented on my name/SSN. The day that the alert expired, a new account was opened in my name and {$4300.00} was charged to new account. I find it suspicious that it was opened on that date and I was not notified. I found out that my identity was stolen because I received a credit card in the mail ( again ) and checked my score. After obtaining a free credit report, I checked the accounts and saw the fraudulent account. I have closed the account and have opened another fraud alert on my information with all XXXX credit bureaus. I want this taken care of quickly and smoothly.

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 2017-01-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX was once deleted on all three credit reports ( experian, XXXX & XXXX ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief