BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-28
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Have been charged Late Fees repeatedly month after month for payments that were set up directly with my financial institution and this credit card company was not applying my payment in a timely manner causing a late fee EVERY month. I verified with my financial institution the account number and remit address, both were correct and the payments were mailed in enough time to be received by due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: VA
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 U.S.C 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-22
Company: NCB Management Services Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Under Maryland law a debt collector has no legal right to collect a debt that is more than 3 years old. this auto debt was charged off by the lender in 2018. I was successful in getting it removed from my credit report only for a debt collector to report it to the credit bureaus after over 3 years and has succeeded in damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I try to contact the company but they say they was going to call me back to see what was going on.

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 2022-07-22
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: Their investigation did not fix an error on your report

Complaint:
In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to Bureaus lack of response which I classify as frivolous, Experian, XXXX, and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXX XXXX XXXX Balance {$7700.00} ; XXXX XXXX  XXXX Balance {$8200.00}

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 2017-03-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I was billed for merchandise that I did not receive. Initially credit was issued for the charge. Now I have been recharged two times for the merchandise that I did not receive, and the credit card no longer responds or even recognizes my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2016 I reviewed my credit report and noticed an account that I do not recall therefore I sent a validation. The validation letter was sent on XXXX XXXX, 2016 requesting information the account Westlake Financial Services claims I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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: Their investigation did not fix an error on your report

Complaint:
I previously filed a dispute with Experian regarding the XXXX XXXX Account XXXX negatively reporting to my Experian Credit File. In my dispute, I included court documents submitted by XXXX XXXX and ordered by the judge of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. 
However, Experian failed to properly conduct an investigation into the validity of this debt. To truly investigate this dispute, they would have had to review the documents I supplied, which included a court order fully releasing me from all liability for this debt. So either they did investigate this debt and chose to violate court orders, or they failed to truly investigate this debt as legally required. In either scenario, Experian has violated my consumer rights and failed to comply with legal requirements. 

Experian 's response to my initial CFPB complaint failed to address any of the issues raised and failed to state what sort of investigation was undertaken or make mention of any of the provided court orders. 

The investigation also violated the allowed timeframe, taking almost 60 days. This is more than the allowed 30 days, and a further violation of consumer credit statutes and DTPA regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: EQUIFAX, INC.
State: IL
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  continues to report the account XXXX XXXX  on my credit report for 4 different accounts when the original account is older than 7 years. The account is too old to be reported as it was first noted as delinquent in XXXX. The account was also included in a Chapter XXXX Bankruptcy in XXXX. As a result of the Bankruptcy and the age of the account it should not still be included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Cash advance

Complaint:
I have had a credit card with Chase for 6 years, I have been current with this. Early on I took out a cash advance of around {$3500.00} Although I have paid on this card on time every month my cash advance balance keeps rising. The card APR is 4 % but the cash APR is 19 %. Non of my payments have been applied to my cash advance balance and the high interest is added to the cash advance amount. So although the card is being paid down, the cash advance is now over {$6000.00}. I contacted the bank and they said that the lowest interest rate is paid first and interest on the cash advance portion will keep being added to the cash advance portion until the low rate balance is paid. My low rate balance is {$10000.00}. How can this be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
Chase violated my credit card ( Chase Freedom ) agreement by mailing a credit card pertaining to my account to different address. The credit card agreement states that cards are to be mailed to the address of record. As a result, the card was mailed on XXXX and on XXXX approximately {$130000.00} in charges was attempted and {$6800.00} posted before Chase contacted me. Chase has yet to remove the charges and is not fully cooperating with me. I firmly believe that Chase is negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Re : Validation Notice Ref : # XXXX {$980.00} Whereas 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, and ; Whereas there is no evidence of prior consent for this communication. 
Whereas there is no evidence of permission of a court of competent jurisdiction offered and can not be valid without verifiable proof that the alleged consumer is subject to such jurisdiction. 
Therefore a debt collector may not communication with an alleged consumer in connection with the collection of any debt and must cease desist this frivolous action by exclusion of all accounts. 
LVNV Funding and its fFailure to comply will result in a petition to launch an investigation into the deceptive business practices. I have given LVNV funding 30 days allotted by law to provide verifiable proof and they have yet to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called the NCC Business Services XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ; to try to make a settlement agreement. They told me that I would need to pay 10 % ( {$150.00} ) then make $ XXXX monthly payments until paid off. I explained that I could do this on XX/XX/XXXX. To pay the {$150.00}. I also then requested a written letter to be emailed, faxed, or mailed to me stating the agreement to settle with payments. XXXX XXXX then stated that they do not give written proof of agreements. That they will only give me something in writing after it is paid off XX/XX/XXXX. That if they gave me something now to prove it was settled then I could give that to whomever I needed verification for and they would n't get paid. I have tried to call back several times to speak to someone else or a supervisor, but I keep getting hung up on. I was told by XXXX at the CFPB that they are required by law to give written repayment plans prior to the first payment being made. I called again today @ XXXX, again was transferred to XXXX XXXX . I requested my Account Number, and he asked how I would be making a payment. I told him that I would not be considering he refused to give me anything in writing. He stated again that they by law did not need to give me anything regarding the payment arrangements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 've never received any bill from the creditor or written documentation from the collection agency. They call asking for personally identifying information. Have failed to provide this on request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2017 see the attached letter was sent to this company with a check stating that endorsement of this check constitutes payment in full and deletion of account immediately. Check cleared my account on XX/XX/2017. ( see attached document ). I am requesting this be removed immediately from my credit profile or legal action will be taken. Please ref to # XXXX CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: Delinquent account

Complaint:
Chase Bank : from XX/XX/XXXX to XX/XX/XXXX are misreporting that they wrote off the amount of the credit card. When it was actually sold to XXXX XXXX. I dealt with XXXX Collections and they are no longer on my credit report. However, Chase Bank refuses to change status to sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I called about fee on my accounts. The XXXX Reps said they were unable to help me with my account. XXXX fee of XXXX and XXXX fee of XXXX dollars. 

I would like for both charges to be refunded of XXXX and XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: TX
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 15 U.S.SC 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 non-monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: LA
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. 
Account # XXXX XXXX XXXX XXXX with XXXX late payments XX/XX/XXXX, XX/XX/XXXX. 
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 response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: LendingPoint Holdings LLC
State: MT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
First they said I did n't make enough, that was a mistake, they told me to reapply, I reapplied, now there 's supposedly something on my credit report. The requirement is based on a credit score of XXXX and above based on experian credit reporting agency. My credit score as of XX/XX/2016 according to experian is XXXX with no negative accounts, I repeat, NO NEGATIVE ACCOUNTS. So at this point I am receiving rubber stamp denials by a company I do n't think really gives out loans.

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 2022-04-18
Company: EQUIFAX, INC.
State: AL
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. 
List the account name here with the account # ( Do not list over XXXX accounts and XXXX inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent Type this out exactly in this box of you want to input your info and remove instructional verbiage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: MO
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 THESE Accounts have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *15 USC 1681 Section 602a states I have the right to privacy.

*15 USC 1681 Section 604a Section 2 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 2015-07-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I authorized a Post -dated check to run on XXXX/XXXX/15 for {$940.00} using my savings account. I noticed that this payment never was processed thru my bank account. I was told by my bank that if the account is coded checking account and not saving account that the payment will not process. So the payment of {$940.00} was not coded savings. So since I did n't see the payment go thru, I transferred the money from my savings account to my checking account and did a payment via your website for {$920.00} on XXXX/XXXX/15 confirmation # XXXX that is the amount your website was showing was due. I just received a letter dated XXXX/XXXX/15 stating that the payment I originally gave for {$940.00} dated XXXX was returned. That is incorrect. That payment was made on XXXX/XXXX/15. This was clearly a coding issue not me not being able to make the payment. You have now reported my being 30 days past due. The payment was scheduled on the XXXX day which my credit report should n't have been hit with a 30 day late. I filed a dispute with the mortgage company who said that they will not remove the 30 day because I would have to replace the payment in the same month. This was a coding issue, and the payment was made on the XXXX. I had no knowledge that this was going to happen. How could I have replaced it. I have also attached a letter from my Bank stating the fact. Also Carrington has n't updated my credit report since XXXX and this is affecting my credit rating. I have attached my credit report as well. Also they have stated in there letter that " If a payment is reversed for non sufficient funds ( NFS ) and the replacement is not made in the month that the payment was due, the payment may be reported negativity. I do n't show that anywhere or have I ever in my years in banking known that the payment has to be made in the same month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
incorrect information on my credit report.

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 2017-01-10
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 I submitted an {$1800.00} payment to Loancare to be drafted from my checking account. After learning it had not been deducted from my checking account I called LoanCare to check the status. The XXXX told me it takes XXXX business days to draft and it should be fine. Finally, the payment still had not been drafted so I went on the website and contacted Loancare. They told me my account number was wrong (! ) and I was assessed a {$30.00} NSF fee. I explained the history and they said too bad you have to pay the fee. They also indicated that they tried to call me and email me which was a blatant lie as I have both voicemail and fully functional email. They also charged a {$5.00} payment fee to resubmit another online payment. This is a VA Mortgage which when notified did not concern them.

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