BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received collection statement from Midland Credit Management, original creditor is XXXX XXXX XXXX XXXX XXXX {$1900.00}, date opened XX/XX/XXXX. Rental of a XXXX  XXXX XXXX XXXX sound system. I spoke to the company about the account, informed them it was fraudulent opened. I let them know the address and email address they have do not belong to me nor did I purchase a tv. I let them know Ive live at my current home since XX/XX/XXXX, have had the same email address for over 10 years. I have credit freezes on all credit bureaus. In addition, a fraud alert was added in XXXX of XXXX when I dealt with a similar situation. ( XXXX sent me to collections for phones purchased in XXXX of XXXX, Ive been with XXXX since XXXX ). The company recently sent me a letter stating they have concluded that their information is accurate which is completely false! The signature on the contract does not match mine! Address, email address, transaction history shows the payments they tried collecting were returned for insufficient funds. If this does not tell you this is fraud XXXX what will!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When I moved out of my previous apartment, I was under the impression that all debts were settled. I never paid a late rent and we left the property in awesome shape. Now I received a bill for XXXX and I do n't even know what it 's for. It is now in collection with a company called I.Q. Data International, Inc. I have received 7 calls today XXXX/XXXX/16 and 2 of the calls were after XXXX XXXX. I am getting really frustrated and it 's borderline harassment. The account rep 's name is XXXX XXXX and their number is XXXX. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I XXXX XXXX XXXX, was a cosigner for a personal loan from XXXX. the loan was paid for in full about two years ago, how ever my credit report shows that the loan is still active. I am attaching an letter from XXXX, stating that the loan was paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX. I am filling a complaint about Bayview Loan Services Mortgage Company, XXXX FL. I am a home owner in XXXX, PA. Bayview bought out a loan from XXXX XXXX XXXX , in which I was in compliance with them about a modification that was offered to me. I started questioning this company about how they wanted me to submit my payments. I discussed with them linking up my checking account to take out payments each month which they agreed to but it NEVER happened. I had a contact person in which they kept giving me the run around. And now they are stating that I am two month behind. I did all the paperwork and have all my receipts. I have called numerous times and do n't want to fall anymore behind with payments due to late fees. I also have a gut feeling this company may be a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CURO Intermediate Holdings
State: TX
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:
Speedy Cash, who sold a payday loan to Ad Astra, then XXXX XXXX XXXX, then back to Ad Astra, and XXXX again, is still showing an account balance and is reporting a debt for an account that is beyond XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I have owned a Chase credit card for several years with a credit limit of {$4000.00}. In XXXX of 2020 I utilized my income tax return to pay off the entire balance of the card in an attempt to increase my credit rating. I had plans to make a major purchase in the near future so I paid off the card to obtain the best APR possible when applying for the loan. Without notice from Chase Bank, I received an alert from two credit monitoring agencies I utilize both notifying me that my credit rating had dropped, considerably, in XXXX of 2020. This drop was a result of Chase lowering my credit limit from {$4000.00} to a mere {$500.00} limit, and they then tacked on a {$100.00} membership fee. Several unsuccessful attempts were made to telephonically contact their customer service department for an explanation for the sudden and unannounced drop. I then submitted a written request via their electronic messaging system and received ( electronically ) the following reasons in response to my inquiry : one or more Chase cards is delinquent, bankrupt, or in a payment program ; one or more Chase cards was recently delinquent ; payment amount above the required minimum on some Chase cards is low ; one or more Chase cards has a low payment compared to statement balance. EVERY SINGLE ONE OF THESE REASONS ARE COMPLETELY UNTRUE! For one, this is the only Chase card I have ever owned. Also, I have paid every single payment to this company on time and at or above the required minimum payment amount the entire time I have owned it! I also have an auto loan through Chase, which I have never missed a payment nor paid less than the required amount on. My credit report reflects this! Further, they claimed that I should have received a written notice of the reduction 10 to 14 days after the reduction. This is also untrue! I still have not received any such notice in the mail. I believe this reduction has been made either in error, or as a malicious and unfair practice which results in a financial gain to the bank as I, the consumer, will suffer from a higher APR due to such a severely impacted credit score when attempting to apply for future loans or to restore the original credit limit on the card. This is completely unfair and needs to be stopped. Please take note that their actions were taken during the onslaught of a PANDEMIC! I have been working very hard to faithfully support our local and national economy during this very difficult time. The poor and untimely decision of Chase bank has severely impacted my efforts and finances in doing so. Its not just about me either. This card is a Southwest Airlines rapid rewards card. Their airline company is struggling right now and I can not possibly support them by traveling with a family of four on a {$500.00} budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian has reinserted the XXXX account and the public record without proper verification or notification. This account was removed some time ago and now it is reinserted and have not been verified. XXXX is not a valid way of verification. I have contacted XXXX and they have failed to send me a Contract agreement with my signature stating I agreed to this credit account. Public records do not give out information over the phone and third party agencies do not qualify for verification. I have sent a method of verification letter stating : This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

Below are the items that do not belong to me that you continue to report illegally. 

1. XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

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 non-monetary relief
Consumer complaint received 2015-10-11
Company: Viking Client Services
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
rented a truck from budget, had a blowout, blamed me and billed me {$510.00}. bill was accidently paid twice a month apart. can not get a refund. some excuse that technical issues prevent them from issuing a refund. sent me to collections in the meantime. have sent all documentation to collections, they have resolved, but still can not get refund from budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: WELLS FARGO & COMPANY
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on WELLS FARGO BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( WELLS FARGO BANK 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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX {$2500.00} XXXX {$1500.00}

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 explanation
Consumer complaint received 2022-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, Bank of America ran hard inquiries and opened credit cards in my name this this past week. Also had someone try to take a loan out using XXXX XXXX XXXX which was another hard inquiry. I contacted both credit card companies and had cards canceled asap and opened an investigation on all three through XXXX. I also had credit agencies freeze my credit reports. I was told to report it here as well.

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 2020-06-12
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT ED/XXXX XXXX {$4400.00} XXXX  XXXX XXXX {$370.00} XXXX XXXX XXXX {$880.00} XXXX XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX  XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Lending Club Corp
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on LENDINGCLUB CORPORAT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( LENDINGCLUB CORPORAT XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: HI
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I previously submitted a complaint on same company in XXXX ( case # XXXX ) I received letter from creditor on the case # for Bayview Loan Servicing stating they would discontinue all collection Activity on the loan ( DISCHARGED ). 

I have now received a billing from them again for change of my mortgage interest rate and that I owe {$5000.00} that is due XXXX XXXX, XXXX. 

I spoke with Bayview this afternoon and they said I will have to send them a letter and documentation to show the mortgage account was include in my bankruptcy ( Chapter XXXX - XXXX ). 

they were suppose to have all this information and correct their records back in XXXX as per my case # XXXX. 
THIS IS A DISCHARGED DEBT .... CREDITORS WHO VIOLATE THIS ORDER CAN BE REQUIRED TO PAY DAMAGES AND FEES TO THE DEBTOR ... 

Do you need me to submit all the documentation again? 

they need to stop, HOW MANY TIMES DO I HAVE TO CONTACT THEM AFTER WE TOOK CARE OF THIS IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Radius Global Solutions LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX claims I owe them {$290.00} they sent it to a collection agency called central credit services at XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX my XXXX bill when paid was paid a month ahead of time i have proof that I paid XXXX on XXXX/XXXX/2015 and that I started XXXX on XXXX 2015 because XXXX would not work with me I told them I did n't want to do business and droped there service on XXXX/XXXX/2015 I sent back the XXXX and the XXXX modems and tv relievers on XXXX as soon as they sent me the return address labels.When I contacted them I asked them to cease and desist, the central credit service dos n't have and e-mail so I can send them a paper trail.I hope that you can contact this credit collection place and help me resolve this issue and get this off of my credit. sincerly 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 2016-07-06
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification and was denied. However, Suntrust offered me the option for a conditional short sale. I have met all of the conditions requested, and have repeatedly sent in items that they have re-requested. During this time, they have refused to make a decision and have repeatedly tried to get a decision from the bank based on the completion of the short sale package. My realtor has exhausted all their efforts to get us to closing on time. However, Suntrust has yet to make a decision or even get to the decision making process.

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 2016-08-02
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt has been resolved and has fallen off credit report. Original debt is over 7 years. Last payment made over 7 years ago. Rep is trying to collect on behalf of XXXX XXXX and disclosed I made a recent payment while account was in collection, complete false. XXXX XXXX can not verify debt and has wrongful been making account seem current in order to gain momentum on collecting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a collection account on my credit report that is being reported inaccurately. XXXX XXXX XXXX is being reported by all three bureaus inaccurately. Its being reported as charged off and paid monthly at the same time and a few other things. I have attached a copy of my report. This information is inaccurate and its really hindering me. Due to the false information being reported I want this collection removed from all three reports immediately. I also want all three bureaus to provide me with full details and signed documents with my signature on them. If this information is not provided I demand that all three bureaus remove this collection from my report. I have tried to resolve this matter plenty of times and the next step is to proceed with litigation due to the hardship that this matter has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I had applied for credit with XXXX and was denied. The credit bureau used was Experian. I went online to their website to obtain a free copy of my credit report as allowed by law. The website challenged my identity with XXXX questions which I know the answers to. The site said it could not verify my identity and I would have to request my report by mail. I then went back to their main site and they offer your credit report and FICO score for {$1.00} for a 7 day trial to their credit monitoring program that then charges you $ XXXX a month. I signed up for this just to see if it would let me see my report if I paid for it. The verification page only had XXXX questions this time and what do you know, the system was able to verify my identity. Interesting that when requesting a legally required free report they make it difficult to get my credit report but as soon as I pay them some money they miraculously make it so easy and know who I am. This stinks of fraud to me. I pull my credit reports every year and if I am declined credit or a service. Experian makes it difficult if not impossible to obtain what they are required by law to provide. They wanted me to send a copy of my driver license and social security card through the mail to them. I have worked hard to build my credit up and the last thing I would do it just mail my identity to a processing center. Transunion and Equifax do not cause this kind of headache when getting my reports from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
US Bank reorders transactions. I was expecting a bill payment to come out in the amount of XXXX dollars, and then I had a few other transactions in the pipeline. The transactions on Monday were in order the way they should have been. On Tuesday, the transactions were reordered from highest amount to lowest amount. Instead of getting XXXX overdraft fees, I got XXXX overdraft fees for all of the smallest amounts. There will be another overdraft fee pending even though my balance is positive which will bring it down in the negative again. And the worst part is I bet I will get a sustained overdraft fee to add to the pain. 

It 's impossible to budget and keep the balances straight when transactions are ordered incorrectly. When I have to pay a whole round of bills, I want things to hit the account in the order in which they were processed. No excuses about the merchant is waiting to collect funds.

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 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am reaching out after numerous requests in regard to the Fair Credit Reporting Act. On XX/XX/2021, I filed a dispute asking for the original signed contract. On XX/XX/2021, I sent a XXXX Demand letter asking for the original signed contract after XXXX days of my initial dispute. I received a statement listing the charges and a copy of my original contract. This is not what I originally requested. I requested the original signed contract. Furthermore, the letter also stated that this was an attempt to collect a debt. This is also a violation as well. If you can not provide the original signed contract, please delete this account. This alleged debt does not belong to me. After this step, I will be filing for ligitation.

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