BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Amount : {$790.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Amount : {$610.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Last reported : XX/XX/XXXX XXXX : {$490.00} This is XXXX XXXX I assume all these companies are the same people because I have done no business with them and all the companies mentioned above have no license to legally collect any debts in my state of Pennsylvania. I don't understand how they can report debt to my credit report when I have no agreements with them??? 

I would like all accounts and negative remarks deleted from these companies mentioned above asap. 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 2022-11-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX - Joint owner of account went to bank to withdraw funds and was advised that there was a collateral hold on the account from XX/XX/XXXX. The branch was unable to locate an account in question. 

Same day I attempted to contact the bank. I was transferred to over XXXX different agents and was initially advised the hold was related to a paid in full auto account. Then advised that was a mistake. The joint account holder was then advised that it was a personal loan that was also paid off. The hold has not been listed. I was then hung up on by several agents when attempting to identify the loan. 

XX/XX/XXXX - I again contacted the bank in an attempt to identify the source of the hold. No one is able to identify a loan, only a notation of a loan placed on the account. 
Statement attached evidencing no hold on account. Account printout related to hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had 2 credit cards with XXXX XXXX, these were 5 years ago. They were charged off, another company got them, originally Ive was {$500.00} and one was {$300.00}, this collection agency called LVNV went to court behind my back did not serve me that I even had a court date and was successful in gaining a judgement t against me for XXXX and XXXX for a total of {$2700.00}. Not only did they do this but XXXX XXXX sheriff served my bank XXXX and took money from my XXXX XXXX XXXX high school checking account. I called XXXX and complained and they said we served you the paperwork and I said yes you handed me a judgement t that was already signed by a judge but thats it. Its criminal what they did. They have other names too so its hard to track them down. They operate from several states including XXXX XXXX Nevada, XXXX Calif and North Carolina. It has been a nightmare. Im going to be homeless soon if I can not get my credit score up. These are the only debts I have. Im XXXX, have a XXXX XXXX XXXX. Our lease ends in XXXX and Ive tried to apply for rentals and Im not qualified because my score is XXXX because of these XXXX XXXX collectors. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2015-09-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Called an auto dealership in our area and explained what we were going through and told them what that we had XXXX to put down and unfortunetly told them how we did not have any funds for sales tax and they told us oh no problem and I asked how much would this cost and she if we could find a lender, I will let you know, we were under duress at the time as we had no car, so we went to look at it and it was sitting outback, did not let us test drive it, said they had to put muffler on and which they did but that was all as when we got the car, no heat then ac died then wheel well was problems in which they fixed but were not happy to as it was within 30 days. But the most important part was we signed it because we were desperate and had no other way to get a car, no funds in bank, absolutely nothing, my husband was using the company truck for a limited time as he needed to get to work. When we signed we had not had a car payment since XX/XX/XXXX in which we payed it off with a bank. They charged us 21 % as said my husband did not have any credit but we had owned a home and sold it in XX/XX/XXXX, so I do n't understand how we had no credit, so I had to be a co-signer and my credit is not good from student loans and never gave it much thought until our excise bill came and stated that the car was only valued at {$1800.00} and that really opened my eyes and I looked into XXXX XXXX book and so that was true, and in the mean time, checked our paperwork and saw that after all payments were done, we will have paid {$11000.00} for a car worth {$1800.00}?? They said the total cost of your purchase on credit, including your XXXX downpayment is {$11000.00} and now if someone hits our car and totals it, we only get {$1800.00} and still have pay {$11000.00} for the car. They took advantage of our bad credit and it was not a bank it was Credit Acceptance of Michigan and digging further on line about them, they do not have a good name. Now looking at it we are having hard time paying as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/18, {$2500.00} was fraudulently transferred from my son 's XXXX Bank Account to my wife 's XXXX Bank account - and the then XXXX amounts totaling {$1000.00} were fraudulently transferred by Zelle to XXXX XXXX ( XXXX ) XXXX with payment ID XXXX and XXXX. I immediately contacted XXXX bank that day to dispute the charges. I was told that I could not dispute them until they posted to the account - and to call back once they posted. They came out of pending status and I contacted XXXX Bank again and filed the dispute. The claim number is XXXX. The representative was helpful and told me that the dispute would take XXXX business days and the money would be provisionally put back in my account as a " courtesy ''. As of today, XXXX, I had not received the credit- so I contact XXXX Bank to get the status. This time I was told the investigation takes XXXX business days, no provisional credit can be given in cases with Zelle, and I was told that they need the 10 days to " try to get the money back from Zelle ''. Now I am concerned that XXXX bank will simply drop the ball as they are completely useless and offer no competent customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: TCF NATIONAL BANK
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank at TCF Bank in Minnesota. I purchased a laptop from an international seller, which resulted in me being charged an international fee. When balancing my checkbook, I did n't account for the international fee which resulted in me being overdrawn by {$6.00}. I was then charged a {$37.00} overdraft fee on top of it. I went into the branch and called the customer service line and they just explained that the policy is to charge anything over {$5.00}. I VERY rarely overdraw my account, and thought the bank would take care of its customers in a better manner than charging {$37.00} for an overdraft of less than {$7.00}. In addition, I made a cash deposit the very next day to cover the overdraft situation because I do n't like ever being in an overdrawn situation. This seems outrageous, and I believe the Truth in Savings regulation should be updated to no longer allow any overdraft fee greater than the amount actually overdrawn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Professional Debt Mediation, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Professional Debt Mediation Inc. has been handling an unpaid debt of mine. They have listed this collections account TWICE on my credit report, which I understand to be illegal. They listed my debt of {$380.00} under two different account numbers so that the credit bureaus can not remove the duplicate account. In addition, every time I call them, they are very rude and unhelpful. They made it seem like the practice of putting the same debt on your credit report twice is acceptable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CITIBANK, N.A.
State: TX
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:
I purchased a phone from XXXX on XX/XX/XXXX. The item received was not what I ordered and I immediately contacted XXXX about this. They told me to return the wrong item I received which I did and have tracking proof of. Then XXXX told me because I returned the wrong item that I will not receive a credit and that I will not receive a refund despite them telling me previously that after 7 days of receipt of the wrong item that I will receive a refund of approximately {$860.00}. 
I contacted citi to file a dispute on XX/XX/XXXX. Despite this quick dispute because I had been deprived of a refund, CITIbank drew this dispute out for months, even past the new year! I have last heard from them on XX/XX/XXXX how the time limit has passed so they can not continue with this dispute despite CITI taking all the time in the world to not get me a resolution. I have returned the incorrect product I received, yet I have been deprived of a refund.

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 2016-11-25
Company: Integrated Recovery Services
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Debt collector verbally abused me, called me XXXX and used inappropriate abusive language to myself, my husband and left threatening abusive messages on my neighbors and family members answering machines. Threatened to sue me and threatened legal action if debt not immediately paid. Made unauthorized debits to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XX/XX/1968 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: ZWICKER & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a citation/lawsuit threat from a company I have never heard of or dealt with named Zwicker & Associates. They have not contacted me before now but yet claim they are suing as XXXX XXXX. XXXX XXXX informed me that they charged off the debt in XXXX XXXX. My husband was speaking with a company known as XXXX and negotiated a settlement with them in XXXX XXXX for the debt they had purchased from XXXX. I 'm not sure why this other company says they are now DBA XXXX XXXX - or if they are even affiliated with XXXX XXXX. They sent a plain clothes man to my house after XXXX on XXXX/XXXX/XXXX. He looked through my window and waved at me which I found quite disturbing, considering that it 's just me, my elderly mom and kids left at home. I cracked the door and he said he had something for XXXX XXXX. I thought he was dropping off something for my ill XXXX year old mother ( named XXXX XXXX - who I am caring for ) but then I saw that it in fact had my name on it, and it was referencing collecting for XXXX - and not the $ XXXX settlement that my husband negotiated in XXXX with XXXX , but an amount exceeding {$20000.00}. I knew that XXXX ( my late husband who died suddenly last XXXX ) had negotiated with XXXX years earlier. A search through his office files shows notes and a check copy to XXXX - not this " Zwicker & Associates ''. I have not been contacted by XXXX or XXXX since he settled the debt in XXXX. I assume XXXX bought the charged off debt from XXXX in XXXX of XXXX. Did XXXX or XXXX " sell '' this account AGAIN to another debt collector?? If so, who has the $ XXXX of the original settlement from 2 years ago? Does this company know of my husband 's sudden death and now they are trying to threaten me into double paying it because my husband 's last name is n't on it? I am a new widow with XXXX young sons to raise, huge bills, IRS installment payments from my late husband 's now defunct business ( which died with him ). I can not afford to hire an attorney to fight a threat that has no explanation or details attached to it, or accountability on the part of XXXX or this " Zwicker & Associates ''. There are a ton of complaints and legal issues online all against Zwicker & Associates, so I do n't know if they are legitimate or a scam. What are my rights to protect my family? I do n't understand how companies can legally file a suit or judgement against a person without ever contacting them before, let alone having no proof of a claim. Can you please help me or direct me to someone who can?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: DISCOVER BANK
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
When I performed a name search on the Internet, I learned that some of my personal data was being used without my consent. As a result, I filed a complaint. My information was collected by an aggregator website, which instructed me to contact around nine different websites in order to have it removed after checking the website 's FAQ section first. In addition to feeling violated since I value my privacy, having to ask to have my possessions taken made me feel ashamed. My report contains unapproved fraudulent accounts, and I would like such accounts to be terminated and fixed. Take away all inaccurate and negative accounts from my credit report. My capacity to get credit has been harmed by this. I'm making every effort.

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 2015-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax is still reporting a bankruptcy on my credit report that was discharged 9 years and 9 months ago. They are the only credit bureau doing this. I want it stopped and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: GOLDMAN SACHS BANK USA
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:
In accordance with the consumer with the fair credit reporting act, this creditor has violated my rights Under 15 U.S.C 1681 section 602 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 under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03
Company: DISCOVER BANK
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Discover Student loans purchased loans I had originally taken out with XXXX. I have not missed a payment since I 've started paying on them. They have published list of criteria to qualify for cosigner release. First that you loan is a prior XXXX loan, next that you are XXXX, that you are a US Citizen, that you 've made the requisite amount of consecutive monthly payments on time ( which I did ), that you make more than {$1500.00} in gross monthly income ( I make {$10000.00} ), and that you have satisfactory credit ( they said the score they pulled for me was XXXX ). I applied for cosigner release and was denied a couple days later. I was told my income was too low. I followed up with Discover and they said the reason for the denial was that I did not provide proof of income. I followed up and provided the requisite information even though they do not specify on their release application that that information was necessary. I was denied again XXXX day later, again because they said my income was too low. I contacted them but was not able to get a clear answer on why I was having the same issue. I thought having a cosigner released would be easier than consolidating. I was able to get a consolidation loan within a half hour, with better rates. I will never use Discover again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Grain Technology, 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: Information belongs to someone else

Complaint:
grain XXXX XXXX XXXX XXXX  accounts 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681 c ( a ) ( 5 ) section states no consumer reporting agency can make any consumer report containing any of the following items of information any adverse items of information other then records of conviction.

15 u.s.c 1681 - 2 ( a ) ( c ) 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: Closed with explanation