BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : 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

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 2015-09-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX I got my yearly free credit report from all XXXX credit reporting agencies. On XXXX, I went online to dispute some information. Experian website says that when you get your free credit report, it is available online for 30 days. I was able to log on and dispute some items I noticed. However, I noticed that there was a fraud alert placed on my account on XXXX, which I never placed on that date, considering that 's the first time I viewed my report thoroughly. However, I did place a permanent fraud alert last year, and since then, I have had over XXXX hard inquiries on my credit report that I did not authorize, and many, many accounts opened in my name. Experian wo n't let me dispute the inquiries, and tells me to call a number, where I get an automated response, with no option to speak to a real person. I logged off the website, because I was at work when I did this, and tried to log back in about 2 hours later. Lo and behold, they could not find me in their system, and it stated that I had to " Send the letter provided below so that we can accurately identify you are really who you say you are ''. This is absolutely ridiculous. Also, I have over XXXX hard inquiries on my report from Experian themselves. Since when does a credit reporting agency pull a hard inquiry, when they have access to everything anyway? No wonder my credit score from this company is so low. They 're lowering my credit score by pulling hard inquiries that I did n't authorize, over and over and over again. I 'm also extremely upset that they have allowed so many inquiries to go on my report when I placed a permanent fraud alert a year ago. Of course, I do n't have any documents to upload, because they wo n't let me into my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Platinum Holdings Group, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Getting calls from a group calling themselves the huntington group from phone number XXXX. Stating someone is trying to take legal action against me. Ignored calls because I felt it was not legit. Looked them up online and was unable to find them. Information I found was through their phone number reverse lookup sites which resulted others sharing experience with them stating they were scammed or being harassed. Ignored the calls until they contacted my step father and were very threatening ( practices used unlike a legit business ). I called today and confirmed my name and phone number, but would not confirm any other information. I requested their full name of the company and their company address, but the represenative XXXX asked why I needed that information and I said to get more information, he told me to hold and I was connected to another individual who immediately told me that they would n't share any information with me unless I confirmed what they had on file in regards to my personal information. I said I just wanted their address and then he started to raise his voice and said he would n't give it so I said I would n't give any of my information because I felt lile their business with me wasnt legit and then he blew up and starting yelling at me. I said I felt this was a scam and to not call me or my family and he said he had every right to contact me and that I need to take care of my " business ''. I replied this is how this company does business? And he continued to yell and repeat himself so I disconnected the call. I just want to know if this.company is legit. They leave voicemails saying legal action will be taken, but I havent received any debt notices by mail and certainly nothing in regards to legal action. I dont like feeling threatened by a company I feel is not a legitimate company. Everything they give is vague and feel theyre trying to fish for information or scam me by paying for a debt I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I continue to be harassed by XXXX XXXX. They are still attempting to collect a debt ( shown as open collection on my report ) despite numerous disputes. At last they sold the account to XXXX, XXXX XXXX XXXX XXXX when they/I requested information to prove the collections was legitimate the recalled the account from XXXX, XXXX XXXX. instead of providing proof. The account was closed by XXXX XXXX XXXX, 2006 after I paid a court mandated judgment. Somehow XXXX had reopened the account and I paid on the so called debt further due to the harassment. I have contacted XXXX both in letter and by phone, notified all credit agencies and the " collection '' still shows active on my report. Please let me know how this can be removed once and for all ... .I do not owe this debt!?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid XXXX bills off that was not mine to get it off my credit report. XXXX was issued XXXX XXXX Deletion Control numbers. XXXX bill for {$170.00} for XXXX XXXX was paid off. Other bill for {$550.00} for XXXX XXXX was also deleted by XXXX same day as the {$170.00} ca n't get Experian to remove the one for {$550.00}. Proof of payment and deletions made by collection company are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
To whom this might concern, I am writing to complaint about Chase credit card fee management. Chase has violated the customer agreement when they keep charging the interest fee on the TOTAL PURCHASE of the month instead of the outstanding balance after I made the payments. 

For example, I purchased {$4000.00}, paid {$3000.00}, and am subjected to the interest charge on {$1000.00}. Chase charges the interest on my entire {$4000.00} purchase for the periods for multiple months. I have attached my statements that show how Chase calculates the interest on the total monthly purchases. 

After multiple attempts contacting Chase 's customer services, the issue has not been resolved. I have closed the account. I would like to file the complaint against Chase practices since they originally violates their agreement, falsely charged their customer, failed to resolve problem, and made no further attempt. 

Thanks and have a good day! 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I COMPLETELY paid off XXXX charge cards which, along with some others, have have had $ XXXX to $ XXXX in balances. Not to mention my income is approximately $ XXXX, XXXX % higher than last year - or ever. My reward for paying off XXXX {$4900.00}. XXXX card? 2 days later they crushed my credit limit from $ XXXX to $ XXXX. THAT MAKES NO SENSE! I pay off almost $ XXXX and THEN get my limited clobbered to XXXX of what I JUST PAID! This makes no sense ( and I expect they have a credit score, with NO late pmts, from before everything just paid off ). Can not think of anything else. Jeez, why pay it off. Might as well have paid off another card that was not going to penalize me for improving my credit and paying off balances!.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18
Company: Marlette Funding, LLC
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had a personal loan with Best Egg that I originated online and paid automatically on a monthly basis through my checking account. About one year into the 36-month term of the loan, we refinanced our home, and the lender added a condition that the Best Egg loan balance must be paid out of escrow funds before our refinance would close. 

On the day the refi was funded - XX/XX/2016 - the escrow agent called Best Egg and attempted to make a payment. He offered to do a wire transfer and was told that it would not be acceptable. He offered to do an ACH payment and was told it would not be acceptable. He even offered - with my blessing - to log into my Best Egg account and initiate a payoff from there. He was then told that all of these options would be unacceptable, and the only way that Best Egg would accept a payoff was via check, mailed to their address. 

Here 's what Best Egg did not say : They charge daily interest, so every day that goes by without receiving my payoff, they charge me more money. Each day, almost {$10.00} - I believe it was {$9.00} to be exact - was added to the loan balance. So they did n't receive and credit my payoff until XX/XX/2016, resulting in {$39.00} in extra charges to me. I feel that this is unacceptable and almost fraudulent - they engineered a process by which they could tack on a few extra days ' interest to every single loan payoff, and did n't even have the courtesy to tell the escrow agent that this is what would happen. As a result, they never considered my account paid off - rather, they now consider it to be delinquent with this minor and ever-increasing interest balance. 

I contacted Best Egg this morning, XX/XX/2016 and spoke with " XXXX. '' XXXX informed me that they are unwilling or unable to adjust the interest charges, and this is just how their process works. Despite being fully able to take electronic payments on a monthly basis from my checking account, electronic payoffs just are n't allowed because - XXXX 's words - " our systems just ca n't handle it. '' So apparently I 'm supposed to pay this extra interest, based on a payoff date of XX/XX/XXXX, even though my agent was on the phone XXXX days earlier offering up numerous electronic payment options? I think this is outrageous.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2016-09-16
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
This is the document that I was coerced into signing in order for them to release my funds. I was told that I just need to provide this actual document to my bank and they would fax as well and my funds would be released. I asked how is this legal, I received no notification, the lady at the desk got the attorney, I asked the same question, I was given no answer. I requested to see the documentation that was " apparently '' mailed to me, she then held up a document ( she would not let me touch it and examine for myself and then I asked what the date it was mailed and she looked down and said XXXX XXXX, I then stated that is today. I drove the above document to my bank, XXXX XXXX Bank and was then told that the document has not been received via fax. I then called the attorney 's office, XXXX, XXXX, XXXX, XXXX and XXXX ltd and stated that they have not received their faxed copy. The lady was rude and stated that they faced at XXXX. The bank teller XXXX called back to the main branch and was then told that they can not accept this agreed order ( signed under duress, they would not release the levy that I had no prior warning to unless I agreed to an amount and was given no factual legal law that they had the authority to enforce a levy under. I either signed or my funds would be 100 % depleted ). The document would not be accepted to release my funds unless signed by a judge. I called the above attorney 's office again and asked why I was told that the document would suffice as is. I was verbally humiliated and hung up on. I called my workplace and said I had an emergency and personally drove to the courthouse to get a judges signature as I was told by the above said attorney 's office that an attorney from their office would be there today for another court matter and he would try to get the judges signature and they would hopefully fax the correct document to my bank today. I drove XXXX miles to the courthouse and waited. During that time I called the above stated attorney 's office to gather a time frame so I could notify my employer of my return and I was accused of " stalking their attorney at the courthouse and that the matter was out of my hands '' I was again hung up on. I chose to wait for their attorney and he obtained from the judge the proper documentation needed to provide to my bank in which I hand delivered at approx XXXX. I have XXXX children and I do not earn a large some of money and just now in my adult life have health insurance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: PLANET HOME LENDING, LLC
State: SD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to work with my mortgage servicer to get rid of my Private Mortgage Insurance, since my LTV is now less than XXXX %. They are using the original appraised value from 8 years ago and I am using the current county assessed value. Is this customary? I could be saving {$120.00} a month but I am having to pay this amount for another 2 years. I feel this is unfair and deceptive.

Company response to consumer: Closed
Consumer complaint received 2015-12-22
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the last couple of weeks, we have received calls from UCI stating my wife has a debt. We have caller ID and do not answer calls from unknown parties so the call is recorded. We owe no debts and have received no mail notices from anyone about any unpaid bills. The calls are coming from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 # XXXX has voilated my right 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 602 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 2022-11-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Yesterday, I received through the mail a letter from Midland Credit Management ( MCM ) with 3 options to pay a debt of {$4000.00} with Original Creditor XXXX  XXXX. 
MCM ACCT XXXX XXXX XXXX XXXX XXXX XXXX  I contacted XXXX  XXXX to resolve the account that was past due and the reason which was during the pandemic.Unfortunately that didnt work out. XXXX XXXX placed the account in Charge-off status in 2019. I am just confused as to three ( 3 ) years later the account was sold to a collection agency instead of trying to resolve the issue with me directly. The main issue is the fact that I did not incur a balance of {$4000.00} because my credit limit was XXXX if I remember correctly. 
if MCM can send me a copy of the last statement from XXXX XXXX showing that I did incur those charges. I will be more than happy to work with them on resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For months now, I have been disputing inaccurate information on my credit. Including accounts by XXXX, which I have NEVER had. And Equifax has not been able to show me proof of WRITTEN signature and documentation of me ever having an account with them. Now recently my credit score has been dropping by 30 points A MONTH. There is no way that this information is accurate. I do not own any accounts to make my score go down by that many points a month. This inaccurate information has been preventing me from obtaining work, which means the government is not get taxes from me. I am tired of fighting with Equifax and XXXX enough is a enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have submitted a credit dispute with Experian a number of times about my address and addresses that are not mine also deleted information on my credit report and they refused to delete it even though it has been deleted off of my XXXX and XXXX credit Report. They also associate me with an address because I have utilities in my name at that address but as I explained to them it is not or nor has it ever been my known physical address so it should not be reported on my credit report. I have a utility bill in one of my relatives name because he and his wife was going through hard times and for some unknown reason Experian is reporting that as my address.

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 2016-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.

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 2022-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account Did not receive outline of Do Not Refer Businesses During the Process of Company being opened ( FTC Complaints, XXXX XXXX, XXXX XXXX XXXX ) Posted information about my patients Health Records during the time without consent, Failed to attend XXXX Fair Hearings leading to worsened Medical experience and showed other customers first priority checking accounts but denied me those options and banking plans that would have cleared up my credit score.

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