BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Received payment statement on XX/XX/22. Mailed payoff payment with payment stub and envelope provided by ECSI Heartland on XX/XX/22. Noticed payment has yet to be processed on XX/XX/22. Chatted with online representative on XX/XX/22 and was notified lender changed mailing address after payment was submitted. Student loan lender did not notify of mailing address change. Believe this to be an unfair business practice as a borrower as I have been compliant in repayment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: NC
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am trying to get this collection off my credit report. It was NEVER a collection account, it was an auto loan but still they are reporting it incorrectly and have not changed this even though I have contacted them several times. 

The account is now 8 years and 7 months old. Please delete this account off my credit report. 

Transunion is still reporting monthly status and its been closed for 7 years!

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 2018-12-12
Company: JPMORGAN CHASE & CO.
State: TX
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:
On or about XX/XX/2018, a dispute was put in related to Chase Bank reporting over the balance and causing a decrease in FICO score. This month Chase Bank has made another such internal and external component error for failing to remove from the balance as an adjustment on fraud charges. Chase Bank has increasingly target me and the only such financial institution that has reported to XXXX to decrease my credit score in an effort to have me remove from obtaining Federal Student Aid with the Government. This is a discrimination effort on their errors to do harm. I have file on their errors and their customer service in the Fraud department are RUDE and Abusive. I received a call from the Chase Bank headquarter that told me two weeks ago that an investigation will accrue on calls. Their agents use the phone to harass and treat me as though I had no education and was a " XXXX ''. The harassment by their continued reporting to harm my credit is very damaging and unfair. The company need to investigate the agents involved in this harassment.. Please investigate! ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am filing a complaint in regard to a situation I currently find myself in with regard to my VA loan with Mr. Cooper ( Nationstar Mortgage ) and payments sent to them five weeks ago from XXXX ( administered by the Florida XXXX ). 

I have been awarded both past due and forward payments through the XXXX program in Florida. I submitted my award letters dated XXXX XXXX to Mr. Cooper XXXX XX/XX/XXXX I have been told by the Florida XXXX that funds were sent to Mr. Cooper XXXX XX/XX/XXXX, Two checks were sent together, one to cover the months of XXXX, XXXX, and XXXX in the amount of {$3400.00} and another in the amount of {$1100.00} for the month of XXXX. I confirmed that they were sent to the right address and had my correct mortgage loan account information on them. According to the Florida XXXX, both checks have cleared their bank. However, only one ( {$1100.00} ) has been posted to my mortgage account with Mr. Cooper. I have contacted customer service agents at Mr. Cooper repeatedly from the moment I received the award letters to as recently as yesterday. The only explanation I get is that they are processing payments as quickly as possible. However, there is no timeline on when the payment will be posted and I have been repeatedly reported as 90 days late to the credit bureau, despite the fact that the payment has been received and deposited by Mr. Cooper but not applied to my account. 

To add insult to injury I am getting multiple copies of a payment demand letter from Mr. Cooper in the mail every day demanding that I make full payment in the amount of {$3500.00} to avoid foreclosure proceedings. 

At this point, I have no idea what I'm supposed to do. I should not have to come up with {$3500.00} when the money has already been received by Mr. Cooper. Nor could I even do that if I had to. I had XXXX five years ago and the medical costs associated with that wiped out any savings we had. Add in a pandemic, other ongoing medical situations, and underemployment, and we just do not have the ability to make a large payment like that. If we could, we wouldn't have to rely on the XXXX program. This whole situation has added a lot of unnecessary stress to me. I sent an email to XXXX XXXX ( after being given her information as a contact for this matter ) at Mr. Cooper requesting that their " state fund assistance team '' please apply the funds to my account, but the only response I received from her was to say that she would forward it to the XXXX department for processing. Three weeks later I'm still waiting ......

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have lost my credit card and later on found out there one massage therapy name XXXX XXXX XXXX XXXX charged me {$10000.00} and I have not authorize or even ever know that place, I noticed someone steal my credit card and the card is lost at XX/XX/2020 I reported to WellsFargo and want them to refund the credit for that unauthorized charge at the first welllsfargo credited me back {$10000.00} However, after their investigation the bank charged me back {$10000.00} without a provide me any written notice before taking the money that was credited to me during the investigation out of my account. 
I have never give anyone authorization to use my credit card or give my card to anyone, I've already called the police and made the police report, I was ask them provide me the evidence why they charge me again but WellsFargo didn't contact me anymore and tell me once the case closed we can't re-open to investigate

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2021-09-24
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: The Law Offices of Burr & Reid, LLP
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I, XXXX XXXX disputed a debt that I do not owe. The credit bureaus continued to report this false information. They contend that the debt is verified while I sent and received a letter from the debt collector that they can not find any account i their office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
State: PA
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: Information is incorrect

Complaint:
Credit karma sente pre-approved credit card offers, I then got denied after they ran a credit check.it affected my credit score with a negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting Act, XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX , has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the 601. Short Title : Fair Credit Reporting Act alleged a LATE PAYMENT on allegedly XXXX XXXXXXXX XXXX XXXX # XXXX & on alleged date of XXXX has violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy.

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions.

3 ) And lastly, 15 USC 1666b ( a ) Reads as : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-09-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly told Portfolio Recovery Services to cease contact with me and they continue to call, multiple times per day, from different numbers. This is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: Byrider Franchising, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was not able to make payments on the vehicle due to my XXXX and becoming ill from XXXX. I also became XXXX and my car was my only place of stay. A payment arrangement was made and my car was still repossessed due to non payment. JD Byrider was notified and it is on file that they were notified of my conditions & sold at an auction for {$720.00} leaving my remaining charge off balance {$11000.00}. Also being discriminated against as a XXXX & XXXX American/Caucasian male.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was on XXXX and this guy said he would pay me money to be his sugar baby well he was given my email and phone number and XXXX acct, but he gave me his after when I said I'd send it when I got to my I'd, and I haven't sent it but I did pay XXXX dollars to bitcoins on XXXX and XXXX to try to recieve the 2000 he was paying my XXXX, and now he's trying to get me to pay more and I can't get mine back he gave me his phone number XXXX XXXX XXXX XXXX and XXXX for XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is regarding a year of continuous complaints. I contacted XXXX and they said, they sent a letter to all three credit bureaus to DELETE account # XXXX. As I stated at first, this was not my account and all three credit bureaus still claimed this debt was verfified. Which is untrue. This was a fraud accont that had a different address with my personal information. After all three credit bureaus stated, I need a police report. That was untrue. I called XXXX 's CEO and they immediately sent the following letter. The letter is attached. Please note : With this unfair alledge verification the credit bureaus claimed they did for months has caused a 71 point drop in my score. And it should have never been. This account should have been deleted a long time ago. If it was it would not have damaged my credit and life. Because of this, it has caused havoc of me not receiving adequate credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was a recipient on a XXXX money transfer from XXXX XXXX Denver/XXXX to me Maryland/ XXXX XXXX through Truist bank. 
On sender side said transfer completed and money was withdrawn from company account and on my end said money received but money isnt posted/deposited to my account for 3 days. After I called truist bank hotline and explain next day status changed to failed but money still not refunded to the sender.

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 2018-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Kohl 's charges an exorbitant {$25.00} fee on late payments for any balance, regardless of how small. This is excessive for small balances. For example, a typical balance for my family would be {$100.00} - {$200.00}. I forgot to pay the bill before the payment was due, and was charged {$25.00}. This is a 25 % charge on a {$100.00} balance, over just a month 's time! I don't know how to figure out what the % would be over 1 year, but even {$25.00} is ridiculously exorbitant. Further, they try to promote use of their credit cards, for precisely this reason is my guess. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24
Company: Receivable Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RECEIVABLE SOLUTIONS did not have my consent to communicate with me prior to this alleged debt. I do not know who RECEIVABLE SOLUTIONS are nor do I wish to pay any alleged debt. This isn't even my debt. RECEIVABLE SOLUTIONS obtain my private information and created an account in their records. That is a violation. Stating a consumer owe any alleged debts is also a violation. What RECEIVABLE SOLUTIONS are doing is false and misleading as well as unfair practices. I am attaching a cease and desist letter as well as an invoice. Pay the attached invoice to compensate me for every violation pursuant to 15 USC 1692k civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Rocket Mortgage, LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Rocket Mort gage (   XXXX   XXXX   ) s ent me an offer to refinance my home loan.   I accepted and everything moved along quite quickly and was approved. Then home loan interest rates jumped up, and than began to stall the process. Finally they fabricated a problem where I owned a property in Kentucky a place I have n't even been to in 37 years.   After delaying another week they admitted that it was an " error ''. Then they brought up other " issues '' about things that were clear from the first day. This allowed them to delay the process until the " lock '' had expired. Rocket mortgage just utilizes fraud as a means.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-02
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently found out I was a victim of identity fraud ... My stolen information was used at a company called Acima which I've not heard of ... I lost my wallet with phone attached earlier last year and had to replace everything .. I advised Acima and they do not care and still wants me to pay.. I did some research online and found out Acima is know for allowing identity fraud, they don't have my address on file because the merchandise was not sent to me.. They never mailed me anything advising me of this account because it was not me ... They claim to have my email on file but I advised them my phone was taken as well and email was hacked.. I changed my password upon finding this out. I have been trying to have this item disputed but Acima is very unprofessional and are treating me poorly when I am a victim. Why can't they mail the bill to the address that recieve d the merchandise? Why do they not ask for picture I'd and verify? The account was opened in my name over a year ago and I'm just finding out about it.. I filed a police report and gave a copy to Acima after they asked for it and they still don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: ERC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation