BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-21
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I used my debit card to hold a hotel room on Friday XXXX XXXX, 2016. I made the reservation around XXXX and XXXX I called to cancel the reservation because of bad weather. We were on a motorcycle and we had to get off the road due to a tropical storm. I called the hotel and hotel.com to cancel. The attendant at the hotel said to call XXXX and let them know. I confirmed that they canceled my reservation and immediately called XXXX. I got a confirmation number and I thought that was the end of the reservation. They still took the money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Fair Credit Reporting Act 15 U.S.C. 1681b I am the natural person consumer in original creditor.

I am invoking my specified remedy as a consumer in the original creditor and I demand your company to remove and delete all negatives/ collections from My Consumer Report.

Your company is governed by the Fair Credit Reporting Act and must abide by the laws set forth in 15 USC 1681b permissible purpose of consumer reports.

( A ) subject to subsection C, any consumer reporting agency May furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the court order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with Section 5318 of Title 31 or section 3486 of Title 18.

( 2 ) and of course with the written instructions of the consumer to whom it relates.

This proves I am the consumer in original creditor and I have not given my written instructions to your company to furnish any information on my consumer reports and I demand a full removal and deletion of all negative accounts. I know my rights as a consumer and your company is in violation of my right to privacy. Failure to respond satisfactory with deletion will result in legal action against your company for which I will be seeking {$1000.00} per violation.

I am the consumer and I have a right to privacy and my Consumer Report is not public record. As well the fcra makes it clear your company can not furnish public information without my written instruction. I demand you stop infringing on my right to privacy

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 2020-03-03
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a balance due of {$63000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I traded this vehicle in and XXXX XXXX was paid in full. ( Please see attached Account Closed summary dated XX/XX/XXXX, as well as the Last Payment statement dated XX/XX/XXXX. ) This false reporting of a closed account with a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.

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 2017-05-29
Company: Experian Information Solutions Inc.
State: CA
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 had scholarship with   XXXX   university, earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: JPMORGAN CHASE & CO.
State: MA
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:
This is another situation of JP Morgan Chase Bank, NA trying to again foreclose on my home again for a third time!!! the last two fraudulent times my credit was identified as being cleared of the two accounts which this bank supposedly cleared off of my credit due to XXXX XXXXJP Morgan Chase Bank , NA 's credit reported information in XXXX as being in default of the primary fake account first mortgage which later proved to be forged/photocopied documents used in the foreclosure sale on XX/XX/XXXX. Now the most recent ILLEGAL foreclosure sale on XX/XX/XXXX, of XXXX Again fraud discharged this second so called mortgage HELOC as this fraudulent sale was initiated and part of this illegal foreclosure sale was discharged with this illegal sale. Now I get the attached credit report from XXXX dated XXXX showing this heloc as being in default even though it legally should have disappeared with the most recent illegal foreclosure sale on XXXX XXXX, XXXX. I have also filed complaint with the FBI, FHFA-OIG , IRS-OIG and etc... This is where this bank is trying to set me up for Another ILLEGAL foreclosure sale using this account. Please see attached this discharged with last foreclosure sale has damaged my credit even though it was removed from my credit reports has been put back on without the first primary fake mortgage that was foreclosed on twice!!!! This is credit fraud and JP Morgan Chase Bank is responsible for this false credit reporting while trying to AGAIN trying to set me up for another illegal foreclosure sale. This is severe financial, emotional abuse leading to additional physically abuse causing this XXXX yr old, XXXX, XXXX  woman with only a XXXX XXXX XXXX to be again terrorised into having another XXXX XXXX  as I recently had XXXX XXXX this causing severe XXXX XXXX with all of this illegal fraudulent XXXX!!! this so called HELOC does no longer exist and it is listed under another alias of JP Morgan Chase Bank, NA being now called JPMCB Home Lending is doing this to me on behalf of JP Morgan Chase Bank, NA. This again is a pattern criminal act of illegal foreclosure attempt coupled with tax evasion while damaging my credit, I do not blame the credit bureaus they are all being given FALSE credit reports. I believe this is a full blown conspiracy and am requesting the CFPB look into my other CFPB complaints to see the connecting criminal acts against me for illegal debt collection by all parties mentioned in this complaint. I will also be filing with other state and federal agencies as this illegal criminal activity continues to illegally try an Steal my home for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Pressler & Pressler, LLP
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Pressler & Pressler are trying to sue me and collect on a debt that is over 10 years old and not on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I sought to use my Citi AAdvantage card for purposes of purchasing plane tickets so that I had the benefits of the card. To that extent and in order to make the necessary funds available, I paid {$2500.00} towards my account on XX/XX/2020 by calling and making a direct payment via phone. At the time I made the payment, I made it clear to the agent that I was making the payment over the phone to ensure the credit was available for purchase of the tickets. On XX/XX/2020, I attempted to pay for the plane tickets and learned my credit limit had was decreased and I was unable to purchase the tickets. I requested and immediate refund of my payment of {$2500.00} - as I made it very clear that I would not have made the payment had I known my credit limit would have been lowered. I have not yet received the refund of my payment or reinstate of my credit limit. The actions taken by Citi were fraudulent and need to be correct immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: ALLY FINANCIAL INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt they are attempting to collect has something to do with an ex-wife divorced XXXX XXXX ago. We spoke to them, told to them stop calling, and asked them to remove the number from their account. They keep calling and have been for some time now. 

The most recent call was today ( XXXX XX/XX/2022 ), the first was on XXXX XX/XX/2022. They've called at least XXXX times and have had all of this explained to them. Each time they promise to remove the number and stop calling but they obviously have not removed the number and they continue to call. 

The number they leave is this : Ally Financial XXXX XXXX XXXX ext XXXX XXXX I also spoke to someone claiming their name is XXXX XXXX ; XXXX promised to remove the number last weekend by the way. I get the idea that there really is not a XXXX XXXX as when you call back ; she is never there and I end up speaking to somone else.

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 2016-01-03
Company: R & B Corporation of Virginia
State: VA
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:
The debt was from XXXX XXXX XXXX XXXX XXXX for a modem which I returned to the company in XXXX 2015 ; XXXX issued a receipt to me but did not clear the {$60.00} from their records. The company recorded {$60.00} as a debt and transferred the collection to Credit Control Corporation which has added {$31.00} to the original amount being collected. CCC is now sending me collection letters for {$91.00}. This debt is not only unjustified, it is entirely wrong and has been recorded in my credit report thereby affecting my credit score. Please have it removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
to my knowledge this debit first became delinquent XX/XX/XXXX, it was recently reported to the credit bureau as becoming delinquent in XX/XX/XXXX. this debit is over seven years old, seems to have been sold to another company and all information I have no knowledge of.I have a judgement placed on my credit file. XX/XX/XXXX, i tried to pay on this account but payment was refused that was all i could afford, the balance now i have no knowledge of this is a seven or eight year old account to my knowledge and wrong Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: State Collection Service, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice in the mail from State Collection Service Inc. with phone number XXXX. The letter was dated XX/XX/2016. It stated this communication is from a debt collector for a past due account from XXXX XXXX Hospital with service date XX/XX/2016 in the amount of XXXX. Per my bank, my check for payment of this account was cashed by the hospital on XX/XX/2016. I spoke to XXXX at State Collection Service and stated these facts. Her response was if the hospital had received payment from me on XX/XX/2016 then they would not have reported it to State Collection Service Inc. I replied I have a copy of the cancelled check so they had not only received it, but had cashed it and it had cleared my account by XX/XX/2016 which was 8 days prior to the debt collector mailing me the debt collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello I'm am reporting a account that has brought me much pain and suffering and it has crippled my ability to get credit and making me appear irresposible. The company XXXX XXXX claims that I have not payed them for three months but I have extremely compliant. On for the past three months I have provided my banking information and gotten conformations that they recieved payment only to get letter stating that the payment didn't go through resulting in a late being placed on my credit. They informed my that my bank did allow payment and was retuned do to insufficient funds. And this is just not the case my bank never reported and activity of payment cancelation or any thing of that nature from this company. There is absolutely no such transaction in my bank records, which means that the negligence is completely on there end and not mine. I HAVE BEEN COMPLETELY COMPLIANT!!!

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 2015-04-10
Company: Oxford Law, LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have been receiving relentless phone calls from a company that call themselves " the law firm '' upon a search of their telephone number I have found that their true name is oxford law firm and they are a debt collecting company. They have threatened to show up at my home and job and have now began calling and harassing my family members daily. When asked to provide a written legal document regarding the supposed debt I am told an email will be sent ( although I am requesting mail ) but one have never been received. I am told in first call that I have 30 days and following calls that I must pay full balance of supposed debt immediately or my file will be signed off on by the office attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Enhanced recovery company is stating I owe a debt of {$1500.00} opene d 2017. I  repeatedly disputed this claim several times which was originally through a debt collector named  XXXX   XXXX  system and was deleted from my credit report and 3 months later Enhanced recovery company added it back on. the reported information is incorrect. I 've sent my  XXXX  balance proof to  XXXX   XXXX   XXXX . I have never received any paperwork from Enhanced recovery company stating I owe the debt or details of the debt. This false new activity from enhanced recovery company have caused m y credit score to d rop over  XXXX  points which has affect my ability to close on a home for my children. I would appreciate if they could immediately delete their recent activity off my credit report from all  XXXX  bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
Back in XX/XX/2022 I began the process of applying for a home loan and unfortunately was denied a home for my family because of false and misleading information reporting on my credit report. Once I noticed the false information on my report I sent dispute letters to Experian to which they have not responded to my request to further investigate the false information on my credit report. And I have proof that my dispute letters were received. My family and I are truly distraught because I really need to obtain a home for the well being of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
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: Old information reappears or never goes away

Complaint:
I was apart of the Equifax breach since then every month without fail I have had incorrect, fraudulent, bogus accounts placed on my credit report, causing me to constantly dispute! Isnt this injury to insult? Ive asked the customer service reps in XXXX, what are the methods you utilize to deem to responsible for these debts? I have none if the creditors havent EVER yet somehow they appear and Im supposed to prove my innocence guilty in Equifax court of law??? Ive lost XXXX of points never to regain them! WHAT if I needed to buy a car? A new home? They hold me accountable penalizing me for absolute nonsense! Ive had XXXX bogus accounts removed due to my diligence. Each time costing me points and struggle and 30 day waiting periods????? You allow these vultures to do this and it needs tp END now!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Loan provider Navient keeps removing address from their records. This results in not receiving the monthly bill and the servicer then charging late fees and negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Both accounts were closed by company with a {$0.00} balance and an over {$2000.00} credit line available to each card. Capital One & XXXX XXXX, with NO EXPLENATION of closed. 
CAPITAL ACCOUNTS Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 
View Details Report XXXX Date XXXX XXXX, XXXX  Before After This item was deleted. 
XXXX  XXXX XXXX  NA Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 
Report XXXX Date XXXX XXXX, XXXX  Before After This item was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: CHECK INTO CASH INC.
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
On XX/XX/2016 this company had someone to contact me about a complaint I had filed about me having made three payments on one loan within 30 days, because of bad information which had been provided by their staff. XXXX held himself out to be the Associate General Counsel for Check Into Cash , Inc., XXXX, TN, XXXX Store. After, further checking with the Tennessee XXXX, which proved this individual was not licensed to practice law in the state of TN, as is required for any one holding themselves out to be a General Counsel. Once I informed this company of that information, the matter was turned over to the store manager, XXXX, a person who did not in my opinion have the legal skills to entertain my complaint. Since then, XXXX has denied any truth in my statements and has repeatedly refused to attempt any settlement of closure on the matter. In my complaint I alleged that their staff lied about my eligibility for another type of loan based on a credit score obtained by them of 880 and the staff instructed me to first pay the current owing balance off. I paid it off that same day, but was denied the new type of loan and then told I could only get the same type of loan that I had just paid off. So, I took out that loan, because if I did not, I would not have had any money. I was told the computer had made a mistake. I said if it has made a mistake now, then how can I be sure it is not making a mistake at this time, too. I said I do not trust your computer or the advice of your staff. So, this made me have to make three payments in a 30 day period, cutting deep into my fixed income from Social Security retirement. I believe this is a normal practice of this type of pay day loan business in XXXX, TN. I did not ask to qualify for the loan they volunteer to enter my information in their system then told me I qualified and showed me the amount on the form. But, when I came back to get that amount I was denied it. They should be further investigated for fraud as I believe many low-income individuals are being targeted and taken advantage of, especially seniors and others on a fixed income. This is still an on going matter and I wish for immediate closure. I have requested of XXXX to waive the loan balance and she has repeatedly disagreed.

Company response to consumer: Closed with explanation