BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: KY
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:
This concerns an issue that is showing up on my Experian credit report only. There is a paid account in the amount of {$150.00} from a company called XXXX XXXX. The original creditor is XXXX XXXX XXXX My wife called XXXX XXXX on XXXX to have the collection removed since it was paid, it took the young lady over an hour to find any record of the account. When she finally found it, she made all the arrangements to have it removed. now, nearly 2 months later, it is still on Experian. She has called at least 6 times to XXXX  since then and talked to less than a dozen people, including supervisors. Not a one of them can find any record of our account, however, they refuse to call XXXX XXXX  to have it removed. She has called XXXX several times and they will not remove it from the credit report without XXXX approval . We even went to the local XXXX store, as one of their phone reps recommended. The young man who waited on us was very helpful, he called XXXX and explained everything. The woman on the phone asked to speak to me and after explaining everything, she claimed she was unable to remove anything from the credit report and gave us an email to contact. We contacted them but have heard nothing in return. .We finally filed a dispute with the credit bureau XXXX unfortunately that can take up to 30 days. I don't recommend anyone use XXXX, they can not find the account but refuse to do anything to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Convergent Resources, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2022 Purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/2022 Attempted to set up and use the device. The message Sim card not detected was displayed and the device was unusable. When I contacted tech support I was told that this was a KNOWN ISSUE and that there was no fix for it yet, although they had been working on one. I had been knowingly sold a non-working device! I was offered more expensive hot spots for purchase. 
I immediately returned the device, and the return was received XX/XX/2022. 


I expected all charges to be cancelled, as per the Cancellation and Return policy in the agreement I signed with XXXX XXXX quoted below : Cancellation and Return Policy. You may cancel your Rate Plan by going back to the original point of purchase and returning all devices you acquired with your activation within 20 days from your activation date ( Cancellation Period ). 

I cancelled in 2 days. 

Received a bill/dunning notice from XXXX dated XX/XX/2022 for {$130.00} XX/XX/2022 Contacted XXXX  and spoke to XXXX or XXXX. Told that someone would call us on XX/XX/XXXX and that this charge would be taken care of. 

XX/XX/2022 Spoke to XXXX or XXXX and was told that a final statement on XX/XX/2022 should show no charges XX/XX/2022 Collection Agency Bill for {$78.00}. PAY OR LOSE MY GOOD CREDIT!!! 

XX/XX/2022 Spoke to XXXX at XXXX who was unable to help. Could not access my account, could not contact credit agency by telephone. 

XXXX attempted to contact the credit agency several times during their stated business hours and found them closed. 

XX/XX/2022 To protect my credit, I am paying this bill under protest, and at the same time I am filing a complaint with the US CFPB. 
Thank you,

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 2022-09-19
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished two accounts on my report. 

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ). 

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : DEPT OF EDXXXX XXXX Balance : {$3300.00} ; DEPT OF XXXX XXXX Balance : {$11000.00}

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 2022-09-19
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This will now be my 2nd complaint, as I had sent a complaint on XX/XX/22 and was then given a date when funds would be applied to my account. I have called mortgage company again on XX/XX/22 with no explanation on when the funds would be applied and was told at that time that a late fee would not be applied as it was noted on my account HAF payment was pending and they have my award letter that was emailed to them by me. Last month payment in the amount of XXXX was applied on XX/XX/22. This month nothing has been posted as of yet and a late fee was applied on XX/XX/22. HAF says check was mailed out and Im waiting on XXXX to post. Payment was also mailed out to my electric company and that was posted on XX/XX/22 with no issue. Not sure why no one can tell me when this will be applied. I am very concerned at this point because it seems I will have to file a complaint every month for payment to be applied timely to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 response to consumer: In progress
Consumer complaint received 2022-06-24
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Account XXXX  XXXXXXXXX-XXX 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 an 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 explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: MS
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 contacted XXXX formerly XXXX explained this account was settled and closed. This account has {$0.00} balance. This account with XXXX formerly XXXX has been settled and closed, but is still on all 3 of my credit reports. This account was paid fully by the insurance company upon repossession. Therefore this account needs to be removed Immediately! Therefore you are reporting false information on my credit. 
As a citizen I have a RIGHT to have a accurate credit report, but as a CONSUMER congress gives me a right to dispute inaccurate information on my credit profile.

15 USC 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

1681d ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless- ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that- ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am XXXX XXXX XXXX veteran and I am exempt from paying property taxes. My issue is with Lakeview loan mortgage company. I went through all the right channels, paperwork, and my town meeting for the approval for my tax exemption. I submitted my resolution letter and other documents from my town that was required by Lakeview loan mortgage company. They received all of it and for about 6 months everything was good. Then Lakeview billed my sent a check to the town as if I was still paying taxes. The town sent it back to Lakeview stating I am tax exempt which Lakeview already knew. I call Lakeview and no one can give me an answer as why they keep sending the town a payment which is making me have escrow shortages and the escrow advances. Im stuck and dont know what to do. Please help 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 2022-06-24
Company: EOS Holdings, Inc.
State: MD
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 was given a verbal agreement that if an EOS CCA account was paid off in full the day of that it would be deleted within 2 weeks from my credit report and Id also receive a deletion letter. I never received any letter and it was never deleted from my report. I called back today to see what could be done and I was given no help and told that its not happening. I spoke with XXXX XXXX the Complaints Department Supervisor who can be reached at XXXX. As a recently separated and XXXX veteran from the United States XXXX XXXX this is causing me housing issues and stopping me from obtaining a VA home loan. I am trying to fix this to better my housing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: SYNCHRONY FINANCIAL
State: NC
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:
Sync/PayPal Credit was an account my wife opened in XX/XX/XXXX and rarely used. I had no idea the account even existed until XX/XX/XXXX when they suddenly reported the account as seriously delinquent over 120 days and reported it late for the previous 4 months on my credit report. At the time I was in the desert on a military training exercise. As soon as the exercise ended in XX/XX/XXXX, I immediately paid the balance, after speaking with a customer service representative who told me they would take it off my credit report once I paid. Not only did they not take it off my report, they have now reported it 120 days late for XX/XX/XXXX as well, after the account was closed. This account was paid and closed at the beginning of XX/XX/XXXX. Judging from the dozens of recent entries at XXXX XXXX XXXX, many others have the same issue with Sync/PPC. I see that CFPB beat them in court in XX/XX/XXXX for similar issues. 

Additionally, Sync/PPC did not attempt to contact me in regards to the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have over XXXX Unauthorized Transactions from XXXX XXXX. I DO NOT have an active Cash App account. I have checked with Cash App and there are NO transactions made in my name or with my SSN that is registered with their company. I have explained this to CHIME Dispute department but I keep getting passed off like it's not a big deal. I just filed dispute and they already send me a denial letter. This is ridiculous and unfair. 

This is A LOT of my money that was taken for an account I hardly ever use. I recently had a large sum of money from my retirement deposited that is now gone! I have already started speaking with an attorney over this matter and need to get my money back ASAP! Chime as initial denied my Dispute but I was never provided with specific details or information showing proof I was at fault. This is 100 % NOT my fault and I am willing to fight them until I get my funds back! 


Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX  XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXXXXXX XXXX XXXXXXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2022-06-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made a Int wire transfer of {$10.00} ( XXXX XXXX dollars ) on XX/XX/XXXX, it was approved by CHASE and debited on XX/XX/XXXX, and this is the date ( XX/XX/XXXX ) that the money hasn't arrived, I went to Chase and they just send me off with the words " we already transfer the money '' which is not true, due to the fact, that we contacted the CFPB counter part in the receiving country end and they tracked the money ( without receipt number because chase refuse all 3 times I went there to provide me one ) and told the part of interest in this specific case that the money never left the US and never left CHASE bank.In summary CHASE acted wrongfully, without transparency, made us lose time ( each appointment ), money and lots more. I'm very displeased on how the acted and how the blunt-fully lied to my face with money that isn't theirs to toyed with. 
and lastly how can an institution such as CHASE can make a customer call them for an appointment, make them do the trip to one of their branches, have me sit down, know ( CHASE ) that theyre toying with the money and have their employees lie to my face and tell me that they don't know where the money is and not even a physical receipt i recieved from their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: MD
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 Account XXXX  XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: SYNCHRONY FINANCIAL
State: TX
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 customer service

Complaint:
I tried to close my PayPal Credit account. On their website, there was a message that said to call XXXX to do so. When I called ( about an American account ), an XXXX woman was the rep and asked me for my full name and SSN. I gave it to her. She then told me I was nowhere to be found. That is impossible. Even with my full name and SSN she could not find me. We ended the call. I then searched on XXXX and found that this has happened to many others. I believe it's an XXXX scam to get our name and SSN and fraud us. Please help. Please find out who's behind that phone number and shut them down. I am worried that something will happen with my SSN now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX reported my account delinquent after I closed the account. I closed the account on the XXXX of XXXX and they reported me late. I made payments XXXX and XXXX. Would not provide me with a payment history. They placed the a account and delinquent because I no longer wanted the credit card. This a fraudulent 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 explanation