BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX, XXXX violated my rights under the Fair Credit Reporting Act. I did not know that I had a right to dispute this debt. I do not owe this debt because I do not have a contract with this company. My account was sold to them therefore I do not owe any money as I did not sign anything with them therefore they can not collect any money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I 'm very disturbed to receive a decline letter from your agent providing me insurance I did not ask for. In fact the agent was advised why I do not do business with you but they evidently went ahead and pulled credit anyway even while freeze on my credit report. At no time was permission given to pull my credit. In fact the credit reports are supposed to be secured from this type of activity because numerous errors are being corrected. You further complicate my credit worthiness with this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
, ( XXXX XXXX. ) never gave ( Midland management ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft.Nor have I ever been in a agreement or contract with them. My privacy is being breached! I DID NOT AND DO NOT CONSENT to you ( Midland management ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, A copy of the law is attached with this dispute. 


You also do not have any permissible purpose to furnish my personal information to any third party, 15 USC $ 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : Midland management # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was before the covid 19 pandemic on my loan. 
JP Morgan Chase gave a forbearance for almost 15 months. 
Now i have the money to pay all the arrears before the start of the pandemic But Chase wants me to pay the 15 months of the forbearance months. 
I can not afford to pay the arrears plus 15 months lumsum right away. 
Chase did not disclose to me that once the forbearance period is over I will have to pay arrears plus 15 months which they voluntary suggested No disclosure was made when they decided to give me a break during the pandemic. 
They did not disclose to me that everything will be due right away. 
I am willing to pay arrears but at this time I can not pay the deferment of 15 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX I received my XXXX XXXX statement and was irritated to see a balance of {$29.00} because I pay the card in full every month and knew I should not have a balance. I reviewed my online account and learned that amount was for " late fees '' and " interest. '' I called and was told my payment was processed after the cutoff time for payments so it posted the next day and therefore I was assessed the fees and interest. On the day I received the statement, XXXX XXXX, I made an online payment in the amount of {$29.00} to pay the late fees and interest in full. I contacted customer service and asked that my account be closed immediately. I received an email confirmation that " per your request, I have closed your account. Your current balance is {$0.00} ... '' Today I received a statement saying I owe a " minimum charge fee '' and that a " monthly billing statement will be sent until the balance is paid in full. '' I do not find in my disclosures any reference to a minimum charge fee. How can such a fee be charged on a closed account? Customer service states this is a normal fee assessed for producing a statement. How can additional charges be assessed after a company confirms in writing that your account is paid in full and closed? I have attached a copy of the statement in question as well as the email from the credit card company confirming the account was previously closed with a XXXX balance prior to the statement being produced. It is my desire for this account to be closed, for the subsequent fees after my closure request/confirmation be removed and to receive no further information from this company ever. Can you assist with that? Thank you so much for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19
Company: Experian Information Solutions Inc.
State: CO
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:
I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2017-08-14
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Filing an Official Complaint Against I.C. System, Inc, account # XXXX I would like to file this complaint against due to the following : 1. XXXX, I established an account with XXXX XXXX company. I received an Agreement with no beginning or expiration date after I was told the contract would expire one year after the date of the agreement. 2. I met the verbal agreement. . 4. At the end of the one year, I returned all equipment at the local XXXX XXXX Office and asked the representative to note that I had returned the equipment and to close this account ; yet I was told the account could not be closed because it was a business account. 5. Since XXXX continued to bill me, I wrote two letters to XXXX and asked that they cease billing me and to close the account. I was told by XXXX they received the letters but unless I sign an early termination agreement, the letters were irrelevant and the account would remain open. The early termination document was sent to me via email and was rescinded promptly when I refused to sign it. 6. The local XXXX XXXX company, Executive Customer Relations Specialist, at XXXX, responded that I had a fee for early termination fee in the amount of {$790.00}. I disputed this balance as explained above. 8. XX/XX/XXXX, nearly three years later, XXXX has forwarded this account to a collection agency ( IC System, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX ) which I find to be a defamation of my character and fraudulent in an attempt to collect an erroneously alleged debt. In summary, XXXX, I was informed this account has been settled.I ask that you intervene on my behalf. As a citizen for nearly seventy years, I take my financial responsibility seriously to ensure I meet my obligations. The business practice of XXXX described above is unethical, unfair, and egregious. I ask your assistance in resolving this matter and clearing my reputation.

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 2017-10-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had this loan through XXXX XXXX since XXXX and it is estimated that my loan will be paid off in XXXX. I went to school for XXXX and my loan was for {$17000.00}. My interest on this loan is 7.25 %. I have never missed a payment and the amount barely goes down. They also charge late fees every month! I write a check and I do not do autopay so I can show that I am never late. Plus who charges late fees even if you are late a day or two? Anytime I call them it is the worst experience, they never have answers. I just do not understand why they do n't work with me since I have been loyal to my payments and I have n't defaulted in all these years. My taxable income last year was {$15000.00}, it is very hard to keep these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CITIBANK, N.A.
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom it may concern, This is a complaint against Citibank for failing to properly investigate the disputes on my account ending in XXXX. 
The organization did not properly investigate the issue and made the decision to close my account due to one or more returned payments in the past six months. The payment they were referring to was in the amount of {$3400.00} made on XX/XX/XXXX Pay by phone ACH from a XXXX XXXX XXXX Account. I never made this payment and don't own a XXXX  checking account. O called Citibank numerous times and they failed to take any action- instead I was transferred from one department to another speaking with several agents that were not in the position to assist. This was a fraudulent transaction which was later removed. In XX/XX/XXXX I've sent a letter to dispute their decision and I didn't receive any response. Subsequently, I send an email with the documentation on XX/XX/XXXX to XXXX, ATTN. XXXX XXXX, dispute analyst. 
Please see more details attached.

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 2017-08-14
Company: ECMC GROUP, INC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Dear CFPB. Thank you for being there. I was responsible for approximately {$80000.00} in Student Loans. In XXXX, I lost my job and my house. I worked with the student loan lender at that time ( XXXX XXXX XXXX XXXX XXXX ) to work out a solutions. As we worked towards a solution, the interest on the load increased with everything they did. Eventually, they turned the loan over to the Treasury Department to have the payment deducted from my Social Security Account. For nearly two years those payments were deducted from my Social Security Account. In XXXX of XXXX I was informed that the responsibility for the loan had been transferred to ECMC. With added interest, the amount due was then about {$240000.00} - four times the original loan amount. The deductions from my Social Security Account stopped for six months. After six months, ECMC turned the collection over to the Treasury Department. Again, the Treasury Department began deducting the payment amount from my Social Security Account. As of this writing, three payments have been so collected. However, ECMC has continued to call and write me. I see no reason for them to continue to do so. Here 's their most recent email : ============================================================ Date : XX/XX/XXXXECMC Account # :XXXX Dear XXXX XXXX My name is XXXX with Educational Credit Management Corporation ( ECMC ), the guarantor of your federal student loan. You may have received a letter from us recently regarding the default status of your loan ( s ). Student loan default can have negative consequences. The U.S. Department of Treasury may seize your tax refund on behalf of the U.S. Department of Education, you may be subject to a portion of your wages being garnished, negative remarks on your credit report ( s ), and while in default, you are not eligible for any federal financial aid. We are here to help you! Please call me today and we can find the right solution for you. We will work together to establish an affordable monthly payment based on your financial situation. Please call me today at XXXX. Due to the time sensitivity of this matter, please act now before time runs out. Sincerely, ECMC www.ecmc.org/XXXX  ============================================================ I am also attaching the most recent informational mail piece from the Treasury Department indicating the deduction of last month 's payment. Please let me know if you need any additional information. Thank you. Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: CCS Financial Services, Inc.
State: GA
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:
XXXX XXXX  is reporting that I owe a debt of {$160.00} to XXXX XXXX XXXX. I do not owe XXXX a balance of {$160.00} and I have never owed a balance of {$160.00} to XXXX. I have reported this issue to the State Insurance board and they contacted XXXX regarding the debt. A representative from XXXX sent myself and a state a letter in writing acknowledging the error. They have since submitted a notice to XXXX XXXX notifying them that I never owed a balance of {$160.00}. XXXX XXXX has received this notice and is continuing to report false information after being updated by the original creditor. The incorrect reporting of this debt is violating the FCRA and Georgia state laws. If XXXX XXXX does not remove this debt of {$160.00} I will be forced to pursue legal action against the company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2017 my vehicle was stolen.
On XXXX XXXX, 2017 I received a notice from XXXX XXXX XXXX XXXX stating that I have a collection notice for unpaid photo enforcement citation. This notice stated I had a photo situation taken on XX/XX/2017 after my vehicle was stolen. I NEVER received any correspondence stating I had a photo enforcement situation.
The only correspondence I received was from XXXX XXXX XXXX XXXX. I called the photo enforcement for District of Columbia and they told me it was nothing I could do since the ticket was so old. I tried reaching out to XXXX XXXX XXXX and they stated there was nothing they could do I needed to contact the District of Columbia.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX is reporting that I owe a debt of {$160.00} to XXXX XXXX XXXX. I do not owe XXXX a balance of {$160.00} and I have never owed a balance of {$160.00} to XXXX. I have reported this issue to the XXXX XXXX board and they contacted XXXX regarding the debt. A representative from XXXX sent myself and a state a letter in writing acknowledging the error. They have since submitted a notice to XXXX XXXX notifying them that I never owed a balance of {$160.00}. XXXX XXXX has received this notice and is continuing to report false information after being updated by the original creditor. The incorrect reporting of this debt is violating the FCRA and Georgia state laws. If XXXX XXXX does not remove this debt of {$160.00} I will be forced to pursue legal action against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Account status incorrect

Complaint:
Upon reviewing my current credit report from your bureau, I came across the disputed account, and I don't think they are 100 % correct. Would you please UPDATE this ACCOUNT from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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: Personal information incorrect

Complaint:
I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 had filed a complaint previously because XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX Phone # : XXXX appeared on my credit report. The company failed to validate - i had no idea what it was. I received a letter from XXXX XXXX saying that XXXX XXXX was updated the three agencies and deleting the listing. The listing has since been removed from my XXXX and XXXX report, but Transunion however has still not deleted it.

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 2017-10-09
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I saw the following on my XXXX XXXX account, however, I did not authorize any hard credit inquires for the following : XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX from Equifax XXXX, XXXX XXXX NH, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Is reporting a late for XXXX account # ending in XXXX for XXXX 2017 Kindly remove this late as I had 30 day window to pay this bill from the due date of XX/XX/XXXX2017.  Payment had to be received within the 30 day window from that date and was. 
Payment was made on XXXX XXXX, 2017 only 24 days after bill date. All in accordance with FDCPA. 
Attached are bills and payments for this account. 
After this complaint XXXX and XXXX, XXXX, XXXX have updated a late to XXXX 2017. 
But in XX/XX/XXXX2017 payments were on time. 
Thank you, XXXX XXXX S.S. # XXXX D.O.B. XX/XX/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 2017-10-10
Company: Army and Air Force Exchange Service
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please. Please please. Someone has to look into the Military Star card process of collecting a debt. They raise interest in debt so high you can not pay it off. They take your taxes, but fail to send you letters stating how much they took and what the new balance is. They keep taking your taxes each year and there is no end in sight. Please. They are hurting military lives so much. I can not believe the government hasnt stepped in to look at their debt collection practices. It cant be legal.

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