BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-16
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So I gave up after challenging this collection debt attempt through the credit agencies last year. The debt started as a court ordered debt and quickly went into collections after being late on the first payment. It got sold to credit bureau associates right away and now there is an extra debt on my record not related to the first debt. So I show two collection debts from this company regarding the first debt. I know this because they came on the credit report the same day. It continues to grow every month so the debt appears new every month though it is now three years old. I would need the extra debt removed. The XXXX is the extra debt. The XXXX is the wrong amount too of what I really owe. I have not received anything in writing but that it was correct from the credit bureaus. No backup documentation was sent to me. I believe this is false and for the damage it has caused me from preventing me to get credit, I would want the whole debt forgiven. This has taken so much time away from life I ca n't get back. Can I collect for that from CB Associates?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: National Management Recovery Corp. (NMRC)
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Last Thursday I got a call from my XXXX County clerks office say that they got a fraud complaint against me and Im being sued but If I call this number XXXX or XXXX I can maybe stop the process. The company I called is called National Management Recovery Corp. They told me I owe Plain Green LLC {$3600.00} and I was being sued and they are going to put me down as a fraud. I was scared so I ask them if I pay them {$100.00} to stop the process and if they would sent me a receipt and sent me by email that they own the debt. They havent sent me anything I almost feel like I got scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I sent in a forbearance request by mail to XXXX XXXX, but have heard no response. I keep getting mail from them, like they have not received my request. When I tried to call during the day I would be on hold for hours, then the phone would disconnect. I did reach a representative after 45 minutes on hold one evening, only to be told that his computer was down, and he would have to place me back into the que to wait for another agent. I was on hold again about 30 minutes then the phone disconnected. They have no fax number to submit forms, and my time limit is growing close to it going into default for Perkin 's Loan.  Most of my other loans I was able to consolidate and place in forebearance, but not this one loan for {$4000.00}. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: JPMORGAN CHASE & CO.
State: MO
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:
XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX Chase Card Services XXXX XXXX XXXX XXXX, DE XXXX To Whom it May Concern, On XX/XX/XXXX, I received the enclosed 1099-MISC from your organization. It states that Chase bank has provided me with exactly {$600.00} in income. I did not receive {$600.00} in income from Chase Bank, and I have never received a form like this in the past. 

As this was an obvious mistake, I immediately called the phone number on the form, XXXX. On XX/XX/XXXX, I spoke with XXXX, employee # XXXX for approximately 55 minutes. Most of the time I was on hold. XXXX told me that they had no record of me receiving any income from Chase Bank. However, he said, that Chase Bank had no way to send out a corrected 1099-MISC. He suggested that I call the IRS and report the erroneously issued 1099-MISC to the IRS. 

I explained to XXXX that there is no one at the IRS to speak to anymore. He agreed and said he would research the issue and get back to me between XXXX and XXXX XXXX on XX/XX/XXXX with further guidance about Chases error. I thanked him. 

On XX/XX/XXXX, at approximately XXXXXXXX XXXX, the phone rang with the caller ID of JP Morgan Chase. I immediately and anxiously answered the phone. I heard a few clicks and then the line disconnected. 

At approximately XXXXXXXX XXXX, on XX/XX/XXXX, I called XXXX again, and spoke with XXXX employee # XXXX until about XXXX XXXX. Most of the time I was on hold. He repeated what XXXX had previously told me. Specifically, that there was no record of me receiving {$600.00} in compensation from Chase Bank. He also told me that he knows of no way that Chase can or would issue a corrected 1099-MISC. He also directed me to report Chases erroneous issuance of the 1099-MISC directly to the IRS. 

I then called the IRS at XXXX, and confirmed that the general public is no longer able to speak to a live IRS agent. 

I am now respectfully requesting that you submit a revised 1099-MISC to both the IRS and MO Department of Revenue that documents the fact that I did not receive any income form Chase Bank ( I have no accounts there - only a credit card ) in XXXX. 

Thank you for your assistance. I am looking forward to receiving the requested document. I am also looking to filing a report with the Federal Trade Commission, the FDIC and the Delaware State Attorney Generals office for tax fraud if you refuse to issue an accurate 1099-MISC in my case. Hopefully that will not be necessary. 


Sincerely, XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation letter out on XX/XX/XXXX never heard anything back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: National Credit Adjusters, LLC
State: OK
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:
XXXX XXXXXXXX  or NCA or XXXX XXXX is reporting 1 debt 3 times. The same debt and same amounts reported 3 times.

I've asked company to correct and they've IGNORED my requests.

I've contacted all 3 credit bureaus and disputed these items MULTIPLE times and all 3 bureaus REFUSE to remove or even VERIFY the information is correct.

THIS IS PLAIN AND SIMPLE CONSUMER ABUSE. PUNISHMENT BY THIS COMPANY BLATANTLY REPORTING THE DEBT MULTIPLE TIMES. NOT ONLY IS INFO INCORRECT, BUT OPEN DATES ARE INCORRECT. AMOUNTS ARE INCORRECT AND TGE REFUSAL TO CORRECT IS ABUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Chime Financial Inc
State: CA
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 discovered today and last week that when calling XXXX or XXXX or XXXX these creditors talk as if they are confused about their job purposely this purpose dizzy conversation holds me on the phone until the civilians come and use my information to tap into my phone I've paid one of the civilians to learn that they have my full information filing loans I went opportune and canceled One loan today two individuals male and female came as a XXXX employee held me on the phone talking as if she didn't understand when I gave a full clear understanding over and over this resulted in my Wi-Fi coming on my Bluetooth coming on and the phone being disconnected and me having to call back and give my information again in public there is employees on the inside working with civilians on the outside I experienced this more than once

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2017, Equifax announced a cyber security intrusion that has exposed personal and sensitive information on me. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Even then the website used to identify if your information was exposed was disorganized, often not usable, and very frustrating to attempt to use. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs, FOR FREE, as a result of negligence in handling personal and sensitive information. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. Equifax has known about this issue for over a month and has now only chosen to notify the general public and those like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I received a copy of my credit report and found two accounts that do not belong to me. The two accounts are XXXX XXXX  XXXXXXXX XXXX and 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 2022-02-07
Company: Capital Accounts, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency is CAPITAL ACCOUNTS XXXX. Account have been removed four times but being repeated re-entered.

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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XXXX XX/XX/2022 at around XXXX XXXX Pacific time Bank of America took {$1000.00} from my account. I I am mediately became aware of the situation within minutes of the error made by Bank of America due to the fact of needing the funds for rent. Moments after this happen I immediately contacted the bank in hopes they can spot the air since it was solely in their responsibility and hopes they would take care of me without any problems. That of course did not happen quite as I intended, hence why I am filing the complaint, Bringing this lack of a Concern and service Bank of America gave to me to you guys the professionals obviously to make sure I get my money back up of course but as well as to enlighten you on this negative experience and wrongdoing a Bank of America. I know Im not the only one so I am doing this for all the concerns and hopes that these kind of things wont be so impactful on innocent civilians who are working dollar for dollar just trying to get by. It also does not help that two days prior of this happening I had gotten My tests back for XXXX resulting in a positive test. Unfortunately I had low energy and no desire to try and get through to the customer service line although that is exactly what I had to do I am not happy and I feel like me being individual in the bank being a big corporation I was looked over and not cared about. Ive been out of work for over a week now due to XXXX it will continue to be out of work for the next eight days taking a big toll on my income and my living situation as well unfortunately. I am still sick matter of fact I can not go into a Bank of America in a physical way Due to the obligation I have to fellow citizens XXXX XXXX XXXX XXXX XXXX If I didnt feel This being important or the need to file a complaint I would not even have called the number listed under the XXXX website. Now that I got my voice in my concern and situation above I feel a little bit better about the next couple weeks have something actually happening for me. Again this is about Bank of America stadium that {$1000.00} has been with withdrew from my account at the local branches ATM on XX/XX/2022 where the ATMs that whole day were NOT in service, NOT diapering cash for nobody. It should have been an easy error to navigate and correct since it was their own networks however it did not happen like that. I filed claim and what not but that all takes time and in my situation time is the last thing I would be able to afford for an error from this bank, and making me have to struggle at times like this should not be tolerated.

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 monetary relief
Consumer complaint received 2021-08-24
Company: Professional Finance Company, Inc.
State: TX
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 been in contact with Professional Finance Company since XX/XX/2021 as of late I have sent documents on XXXX in regards to this fictitious debt they placed on my consumer report. They had no write to place any false misleading unverified accounts on my consumer report.. I am a federally protected natural person and consumer and they have breach my consumer rights. Pursuant U.S. Code 1681n and all of its subsections. They owe me compensation granted to me by federal law. Please make not this is my final attempt to settle this mater outside of a federal courthouse. I have attached all documents and an invoice for payment request. The FDCPA allows me compensation for their willful damage and knowing noncompliance of these laws. Their act of piracy and act to damage my consumer report for monetary gains will not be tolerated. I am invoking my specified remedy as a consumer and I expect to receive my just due via federal law. Simply removing this account does not remove their liability and it also doesnt change the gaming affects this false reporting has so to much consumer report. They have caused me monetary damages and also caused me to be denied for further credit opportunities.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Equifax 's poor security practices lead to the public disclosure of my personal information as part of a security breach that affected millions of people. Equifax failed to properly notify me of this breach ; after waiting approximately a month they only reported the breach through a press release and made no attempts to notify affected persons directly. Equifax is offering a credit monitoring service to affected persons, however acceptance of that offer affects your future legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us representative but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report and FTC and affidavit That was after attempting to contact Transunion more than 21 times. Transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now I'm XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE I'm XXXX  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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
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:
Equifax, a service i had no option to opt-in or opt-out of using, allowed my PII to be obtained by people with malicious intentions. The personal information that was obtained includes name, current address including address history, social security number, state issued ID number, birth date, and more. 

This information is not able to be changed like an email address or password. The impact of this situation will follow me for the entirety of my life.

Company response to consumer: Closed with explanation