BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-13
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I did n't see the proper selection for my complaint so I chose ca n't contact lender. I am writing because I secured a loan with a company called the Cash Store in XXXX, TX. The loan sad for {$1200.00}. After securing the loan, my bank account was closed and the lenders were unable to get the loan amount or the interest from me. About 3 weeks later I got a call from an attorney saying that they were filing criminal charges against me for fraud. Saying that I passed a blank check in the state, when in fact, I never wrote a check. I only gave my debit card and they checked to make sure the account was active. I never got anything in the mail from this company, stating that I needed to retain legal representation, just a call from an attorney from a XXXX number stating that I needed to get an attorney or one would be appointed to me. They also stated that a warrant would be issued XXXX my arrest and that fraud would be placed on my record. The actions this company is taking in the state of XXXX is illegal. It is illegal for someone to be arrested for a payday loan in the state of XXXX, yet, they have threatened to do so. I want people to know that this is illegal. Is there any way you can help me get this taken care of? Thank you in advance!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've tried disputing my information with each bureau about the " 30 days late '' payment listed on my account. I've never been late on payment since I've had this account and don't plan on ever having one moving forward so I would greatly appreciate if they could correct this inaccuracy and report this data correctly because this issue is standing in the way of securing a home for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 2 accounts on my TransUnion, XXXX and XXXX reports that are being reported inaccurately. I have written to all three bureaus and asked that corrections be made to those accounts on numerous occasions with no results. Both of these accounts were in charge-off status but have been paid in full. It then becomes the responsibility of the bureaus, as well as the account originator to report it correctly, does it not? It is reporting differently with each bureau but some specific items that are incorrect include : a 120 day late payment status, account status reporting derogatory, payment status reporting charge-off, currently reporting the account in chargeoff status monthly. Due to the fact that I have asked the bureaus to investigate and correct this misreporting information on XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020, I feel I have given the bureaus enough time and plenty of opportunities to correct this misreporting information, they need to remove these accounts from my reports. Period.

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 2022-09-15
Company: CITIBANK, N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
After applying for a {$10000.00} line of credit from Citi bank through XXXX XXXX with 30 years of perfect credit and a FICA score of XXXX I was denied. I believe this was based on my ethnicity given that my name is identified as 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 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I closed this account on XXXX XXXX as this bank gave my Daughter a card on my account in XXXX but in XXXX they refused to add my wife to the account the whole bill owed is my daughters debt none of it is mine XXXX XXXX I made a payment to catch account up of XXXX this paid it up thru XX/XX/XXXX these is were the fun begins see on XX/XX/XXXX my credit report should balance of XXXX then I get a statement dated XX/XX/XXXX showing previous balance XXXX and new balance XXXX then on my credit report dated XX/XX/XXXX it shows XXXX balance then when I called the bank it says balance XXXX payment due XXXX the statement claims payment due is XXXX funny thing is I paid the payment on XX/XX/XXXX due XX/XX/XXXX of XXXX they never process the payment tell XX/XX/XXXX, they also report that last week on my daughter credit report balance was XXXX then this week it shows XXXX yet they claim they don't report this info on my daughters report this came from their executive office until this bank can explain all these why payments were made not processed why the five different balances for XX/XX/XXXX I will not pay any more payments to this bill as a disabled Veteran they are trying to make pay money I do not owe them as I stated this bill is 100 % my Daughters who they gave a card to this bank and the people that work their are full of XXXX last person I spoke to on XX/XX/XXXX she keep saying let 's keep this professional when I ask question my daughter and my wife were both listening this is what they do refuse to answer questions when asked about all the above. and please note Balances went up XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX XXXX then from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX up XXXX then from XXXX XX/XX/XXXX thru XX/XX/XXXX it went up XXXX why the big difference then on XXXX XX/XX/XXXX I made the XXXX payment which yes my daughter now owes us but from XXXX XXXXThru XXXX XX/XX/XXXX it went down XXXX from XXXX to XXXX so this bill went up XXXX in XX/XX/XXXX when account is closed and payment was made even with everything how did this account go up XXXX after payment was made from XXXX to XXXX they refuse to explain this issue that's why I'm claiming their trying to rep me off of fees and money I do not owe even though the whole bill owed is not mine right now I'm paying the bill for my daughter and like I say I'm not paying another penny to this bank period!!!!!

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 2022-09-15
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 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 15 U.S.C 1666B : A 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 explanation
Consumer complaint received 2015-07-09
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
File incorrect information on credit report and refused to correct it. You making monthly payments and it 's saying you not by put your balance as monthly payment. We pay every month and it 's keeping you behind and report it. Midlands credit management refuses to correct the bad report and told me they would n't change it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX XXXX XXXX acted as a debt collector for Midland Funding. I settled to accounts with them and was advised that the accounts would be updated on my credit report to show settled. As of XXXX both accounts are showing as collections by XXXX XXXX XXXX and XXXX. See attached letters as proof of settlement. The abusive language refers to questions they asked. Where are you going to get the money etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}

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 2022-09-15
Company: Experian Information Solutions 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 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 15 U.S.C 1666B : A 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 explanation
Consumer complaint received 2015-04-09
Company: EOS Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a notification from XXXX XXXX that there is an " open collection '' on my XXXX Credit Report. On my report there is an open collection from the agency " EOS CCA '' for {$56.00}. The original company says " XXXX XXXX ''. I called XXXX XXXX XXXX and they confirmed that I do not have any debt and that my account is closed and paid in full ( documentation attached ). I called EOS CCA at the number provdied by XXXX ( documentation attached ) and tried to remedy the issue. Before this call I looked at review for EOS CCA and many consumers stated that this company is a scam and is looking for personal information. In my call to EOS CCA I informed them that this was not my debt and they refused to help me unless I gave them my Social Security number. They could not find my account based on my name, address, or phone number. They said unless I give them my social security number they would be unable to help me. I called and made a complaint with the XXXX as well as XXXX. XXXX is going to dispute the charge with EOS CCA. My credit score is going down because of this company and this open collection. I am hoping that this is investigated so this does not happen to anyone else, and so this does not effect my purchasing decisions in the future. Thank you for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I experienced XXXX instances of check fraud that involved mail theft within the last two months. Both cases involved mailed payments from a local mailbox to different individuals. In both cases I contacted my bank ( i.e., Chase ) to file an " Affidavit of Unauthorized Endorsement or Altered Item '' and provided the necessary evidence of the altered checks. In essence, the alterations on XXXX checks are extremely obvious and there is a track record of payment to the individuals to back up the case. The resolution of the matter ( funds to be credited back to my account ) should be fairly routine and expeditious. The bank seems to have a protocol that allows for keeping the consumer in the dark for a prolonged period of time, and with no legitimate contact person that can directly respond to the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loancare, a XXXX  Company. NMLS # XXXX is my Mortgage company i had found out that my PMI was only supposed to be for 2 years or until my mortgage amount drops to 80 % Loan to Property value. I tried to contact that and give them letters in writing since XXXX XXXX until XX/XX/2019. They denied my request every time saying that i have to pay PMI for 11 years. It sounds improper or ILLEGAL to me. I am being charged XXXX $ for PMI per month which is very high and ridiculous. 

PLEASE HELP ME- I am STRUGGLING!!

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 2022-05-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Did a Claim at chase bank for dissatisfied service received at XXXX XXXX  this clinic gave me a XXXX  I paid XXXX $ in total, the first time I try to to do a claim for every amount I paid there contacting chase XXXX they told me the money can t be refund, so I did a claim on the purchase did with my debit card for XXXX, they provide a Tempory credit, I did send them to prove my claim medical record for XXXX doctor picture of the catastrophic damage caused by the XXXX, they denied my claim with no reason today et took XX/XX/2022 they empty my account for it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX used a predatory lending technique to get me to run my credit. I would like him to contact the credit bureaus and redact my credit check.

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 2016-07-07
Company: ENCORE CAPITAL GROUP INC.
State: SD
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Continued to call my place of employment which is a federal office. I have instructed MCM clearly to never call my office yet they continued to do so. They 've also purposely placed a false address number for our home so that a neighbor would receive the mailing by mistake to instill embarrassment. We 've instructed our correct address many times but they refuse to change it due to their well known and previously documented illegal collection practice. We 've also requested multiple times to send a detailed history of payments and balance. They have refused and claim they are not required to send a complete history of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: De Lage Landen Finance, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My parents and I received a call today about an alleged debt. XXXX from XXXX XXXX XXXX called and left a message on my parents answering machine that I owed {$25000.00} on a tractor and that I was behind 7 months on payments. I have the conversation recorded on my phone of my father calling me and telling me this. I have already spoken to the debtor regarding this claim some time ago. I was under the impression that disclosing personal information about a debt, other than to the debtor, was illegal. They also sent 2 guys to my house today who threatened to charge me with a state jail felony after I offered them to look around my property for the tractor they claim I owe on. The repo companies truck had no visible markings either to identify the company which also is not in compliance with state and federal regulations. I have video from my vehicles dash cam to back this up as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I ordered a pair of sunglasses from XXXX which is a website/store out of XXXX. I paid for the glasses along with the shipping and fees at time of purchase ( shipping was {$0.00} which is stated on the order receipt that I attached below ). 

I now received a notice that I owe XXXX {$28.00} for Shipping ( now {$32.00} due to interest ). 

I believe that XXXX would owe this debt because as you can see on the attached document of my receipt, it says {$0.00} for shipping and there is a statement underneath the order that says if I am charged by customs for shipping that they will refund me 100 % ( that is implying that that should not happen but just in case it does ... ). Also, as you can see at the bottom of the email communication that i attached, I can not get a hold of them because the email gets rejected. 

As you can see in the attached, I have countless emails ( and lots of stress ) with this company because they sent me a NON-polarized sunglasses when I ordered a Polarized pair. They kept denying that I bought Polarized ones even though I sent them 'screenshots ' of my receipt that said " POLARIZED '' right in the description. I also sent them pics of their live website that reflected the same info. As you can see, they finally realize they were wrong and sent me Polarized lenses to replace in my frames. And now after all that stress I am left with this Shipping issue that is their responsibility because they would 've needed to tell me that I would owe {$28.00} and have to XXXX them for the refund. Their website should 've stated that I WILL get charged by customs and will need to get a refund ( but nothing works that way ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: GA
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:
Equifax is still reporting a medical collections under 500. 
XXXXXXXX XXXX  for XXXX I thought they were suppose to stop reporting these. 

I sent letters to them, but they never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
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:
Unfortunately I have been a victim of identity fraud and my information was used to get some type of medical service or procedure. I have a company calling me from XXXX and they are very rude and don't provide me with much information. I have requested to have them validate my debt and they have failed several times to do so. Please help get them to comply with the fair credit reporting act and identity theft protection. My credit has taken a huge hit because of this and it is flat out not fair to me and my family.

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 2019-10-24
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

US DEPT. OF EDUCATION/XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation