BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to Fair Credit Act 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on 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 non-monetary relief
Consumer complaint received 2016-10-26
Company: TRANSWORLD SYSTEMS INC
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is my place of employment and they continue to call this number instead of my private number even though they have been requested numerous times that I can not receive these calls at work nor confirm my social security number at work. It is a public place that anyone can hear the conversation. I have requested they call my private number but refuse to and then state that is me refusing the debt and still continue to call my work

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Paramount GR Holdings, LLC
State: TX
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:
loanPal now name GoodLeap, we had a agreement of solar panels, I've been trying to contract with them, they sold me a solar panel and they haven't finished the agreement and they charging me over {$51000.00}. they good leap are telling me to pay the amount I own but they haven't finish installing the solar panels I keep receiving everyday phone calls and letters from the collection agency asking me to pay, i did sign a contract with them and they went in bankruptcy and they didn't finish the installation of the solar panels and broke the agreement, I've been waiting since XX/XX/XXXX for them to install the solar panels but haven't received no notice of installation I call and call the company they ignore me, I called on XX/XX/XXXX, they told me that they will install correctly the panels its been over more then 8 months since I sign the contract and they haven't finished the installation and they want me to pay for a service that was not done correctly and they want me to pay for the solar panels that I've haven't use because the installer never finish his job .iam not in tittle of the account iam no longer liable for this good leap loan account, because they broke the contract and never finish installing the solar panels

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Not sure who's they are. Please remove 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
Consumer complaint received 2022-06-01
Company: Block, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On Tuesday, XX/XX/XXXX I received an unsolicited card from cash app. I immediately contacted cash app through their customer support. This was difficult in the case of fraud as they try to force you to using the cash app or web login which you won't have in the case of fraud. I was able to finally get a hold of a phone number, but they made the process difficult and they provide no special fraud reporting system as legitimate financial institutions do. Note that the fraudulent account was opened even though I have a fraud alert on my credit reports asking to contact my phone number to verify before opening accounts in my name, they did not contact me before opening the account. 

I was able to open a case and submitted all the information asked. I received an email on XX/XX/XXXX stating they understood the importance of trying to verify my identity. I was not trying to verify identity I was trying to close a fraudulently opened account. On XX/XX/XXXX I received a request to login to my cash app account to verify my identity. Since I did not open a cash app account myself I had no way to do that. Support completely ignore my original statement that I did not have an account nor had I opened one. I responded with that information again on XX/XX/XXXX. 

As of XX/XX/XXXX I had not received a response so I contacted support again via phone. That process took calling another number since the original support number disconnected due to call overload. The basic response was the case was active and I should get response in the next few days. 

This is far too long to resolve fraudulent account opening and credit checks should be performed if only for the purpose to check for fraud alerts. I'm still awaiting resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Westlake Services, LLC
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern, On XX/XX/21, I received a letter ( attached ) from XXXX, XXXX XXXX XXXX. which stated that they had retained the debt from Westlake Financial in the amount of {$1400.00}. The letter was a receipt sent stating that they accepted a settlement amount of {$1000.00} to satisfy the obligation of the full debt.

I have also attached a copy of my most recent credit report for Westlake Financial which states that the balance is {$1400.00} and continues to be in a derogatory status.

It is my understanding that when Westlake Financial transferred my debt to XXXX XXXX, that they were required under the law to update their tradeline as {$0.00}. It has more than 6 months since this debt was settled, but the information has not been updated. This is causing my credit scores harm, as well as my Debt to Income as I am trying to purchase a home. ( My lender has advised me that a percentage of the chargeoff balance is added to my XXXX, which lowers my buying power. )

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 2015-10-02
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was never properly served for this debt, the only service I received was the fact I was sued and lost and owed the debt through judgement. Fast forward to XXXX 2012 payroll contacted me and advised me I was being garnished. I accepted the garnishment of XXXX % of my salary because I knew I owed the debt and wanted to make it right by allowing them to go ahead with the garnishment. The total debt was XXXX and have been paying XXXX per paycheck since XXXX of 2012, which is 41 months as of today. The total I have paid as of today is XXXX dollars or more. I can not receive a callback from Asset Acceptance LLC to explain why they are still garnishing my pay even though I have paid XXXX over the total debt owed. They will not stop the garnishment after numerous attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: GVA Holdings, LLC
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I received a loan for XXXX in XXXX. I have paid XXXX two weeks in every month starting in XXXX XXXX. By now this loan should be paid off. XXXX now is charging excessively and the next payment they said is due to be taken out XXXX/XXXX/16. There number is XXXX XXXX. XXXX XXXX. My name is XXXX XXXX XXXX. They are operating name is different it is owned by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been contacted consistently from I.C. System, INC about a debt i don't even remember. This debt does not seem familiar and i explained to them that i am going through alot right now and these daily calls to me are inappropriate. It feels like harrassment. I have blocked the number called from company on XX/XX/22 and a call came in from another number from same company. With all the scamming going on these calls are not necessary. They have made threats to damage my credit at which on XX/XX/22 my credit score dropped XXXX points due to this company.

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 2022-06-01
Company: Professional Choice Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter dated XX/XX/2022 from Professional Choice Recovery, INC ( PCRI ) seeking to collect an alleged debt on behalf of a local university. I sent a letter dated XX/XX/2022 via certified mail received XX/XX/2022 to dispute the debt, request debt validation, and to stop all other communications with me and this address. To date, they have not sent debt validation in accordance with the FDCPA. I received another letter from PCRI dated XX/XX/2022 seeking to collect the same debt on behalf of the same creditor under the same account number. PCRI has violated my rights under the FDCPA to have the debt validated before continuing its collection efforts. I have included all copies of correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Client Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I owe Client Services, debt collector agency, ( Add : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ; Ph # XXXX ), an amount of {$1300.00}. 
I wish to pay the amount but they are refusing to accept payment by Credit Card. 
I have no other way to pay this amount but they are refusing to accept the amount from Credit Card. Say that it ia aginst their policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: RGL Associates, Inc.
State: VA
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:
I paid RGL Associares {$1800.00} on XXXX XXXX, 2015 in full a one time payment. After the payment was made they informed me my credit report would be update as paid in full well I ran my credit report in XXXX 2015 and it was still up there as a negative inquiry unpaid. I called them in XXXX asking why has n't my credit report been updated they tell me they will look into it and not to dispute it to the credit bureaus, another lady calls me back and tells me they sent the information to them saying it was paid and it is the credit bureaus fault for not updating it. I asked could they resend she says no and to just dispute it and then I ask for another paid in full letter for my records because I could n't find the first one. I never got another paid in full letter luckily I had a copy in my email and it still is n't showing updated. My problem is if you are going to report to the credit bureaus the negative information please report in a timely manner when the account is paid in full if not then do n't report to them.

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 2015-07-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Appears to be the debt sold from Chase whereby original dept had been disputed. Did not belong to me. Incorrect middle initial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a XXXXXXXX XXXX XXXXXXXX credit card holder. This credit card is issued by Chase Bank. On XXXX XX/XX/2022, Chase charged a {$95.00} membership fee on my account. According to terms and conditions, as a card member, I am entitled to " receive one free night at any XXXX XXXX XXXX hotel or resort every year after your cardmember anniversary, plus an extra free night at any XXXX XXXX XXXX hotel or resort if spending {$15000.00} in a calendar year ''. This benefit was not provided to me. On this basis I would request Chase to refund me the membership fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a college XXXX. I opened an account at Chase online and deposited checks ( {$300.00} or less ) via mobile banking from kids in my XXXX, whose home accounts are in various cities. The account was suspended by the Fraud department and they are trying to verify with the maker of the check that they were intended to be made out to me. They will not utilize a cell number to make that call and in some cases, the accounts are in the parents ' names and they do not bank with Chase. Chase is surprised that these non-customers are not answering their calls or returning their calls. The checks have cleared their accounts already. WHy would these parents return a call that they may believe is a solicitation from Chase? In the meantime, I have bills to pay and the whole of the account - even my own personal funds, are frozen. I received a written notice today that his account will be closed. I never received notice that availability of the checks was being delayed. I have spent several hours ( and I am not exaggerating ) trying to resolve this. In the meantime, I am unable to get cash. All for a total of XXXX checks that equal less that {$2000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My business bank account is with chase bank. I had to open a new account after my first account was compromised by counterfeit checks being cashed against my account. Approximately XXXX weeks into having this new account opened it was once again compromised and counterfeit checks were being cashed. I reached out to my branch and explained to the branch manager XXXX XXXX what was occurring. I was informed that alerts were being put in place so that checks presented that I did n't approve with there security feature reverse positive pay would not be cashed but that was not the case instead the counterfeit checks were being presented and cashed without my authorization. I was informed I should enroll in another security feature called positive pay which requires me to enter manually all checks that are written in my account and only those checks will be cashed. For a few days counterfeit checks were being repeatedly being cashed even with these security features in place. I contacted the fraud department and had to fill out affidavits for each occurrence of checks cashed in order to have the transaction reversed and money put back into my account. Everyday for the last XXXX weeks I have been calling the fraud department to have the money placed back into the account and is being told that the claim with my affidavit was approved but is being investigated and each day given a new date in which the money will be put back in the accounts each day I check the account and the money is sill not in the account and I 'm told it 's still under investigation. Also the security feature positive pay that is suppose to protect my account was due to be in effective as of XXXX XXXX, 2015. Each day my secretary manually inputs only checks that should be cashed. Each day we look at the account and it says service pending. After being on the phone for XXXX hours I was told it was not activated due to us inputting checks via an XXXX which is considered to be a mobile device so in turn my secretary started inputting checks via a desktop and this was suppose to activate the service within XXXX hours. XXXX hours later the same service pending shows on our account. Each day I 'm on the phone arguing for XXXX hours to secure our account because chase has no idea how to secure and protect our account. My employees are refusing to attend work because at the end of the week there checks ca n't be cashed. I 'm losing XXXX hours each day in my business due to being on the phone for countless hours with chase who can not resolve any of my issues. I receive no call backs and am being transferred numerous time to all different department so different people who have no idea how to help me or how to secure this account and protect my money for my business

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: PA
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2016-05-01
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I began paying Student loans in XXXX XXXX. Beginning Balance was XXXX @ interest rate of 6.55 %. Have made all payments required by the U. S. Department of Education through XXXX, XXXX. At that time I was informed that my loans were transferred from XXXX to MOHELA, another U.S. Dept. of Education loan servicer. Automatic debit to my checking account has continued on the XXXX of each month to the present. I calculate that I have paid more than enough interest during this 4.5 year period to reduce my principal. Instead, MOHELA says my principal balance has increased to {$36000.00} as of XXXX/XXXX/XXXX. So while I thought my principal balance was being reduced each month, my principal balance was increase by {$4600.00}. I can not determine how this is possible from the XXXX website, or from my conversation with their HELP line. All Loans were for a degrees at XXXX in XXXX, KS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Specialized Loan Servicing Holdings LLC
State: CA
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: Problem with product or service terms changing

Complaint:
Hello, I started a loan modification on  XXXX  which is 3 months prior to when I was told to commence my loan mod for my HELOC loan that was coming due with SLS on  XXXX .   I have been working diligently with SLS to complete this loan mod. Its now been 7 months.   My credit was always  XXXX  all my life. Because of the grossly laps in time that is takes to complete this process  my credit score a s of  XXXX  is now  XXXX .   It is SLS protocol that SLS will not accept nor allow me to continue to make my monthly mortgage payment to  SLS  during the Mod process because the loan matured on  XXXX .   I find is extremely unfair, unjust and outright damaging to me that all my life I have significantly made my credit of importance to me and now in a matter of 7 months my credit is destroyed because I am not allowed to continue to make the monthly payments like I have in the past not missing one payment and by the way I am financially able to make the payments.   SLS should NOT be reporting to the credit agencies during the loan mod processing time it takes to finalize this mod process and damaging my credit for absolute no reason at all.

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