BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-20
Company: Alorica Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
First my loan was with XXXX XXXX XXXX. Then without notice I called last year in XX/XX/XXXX, to just check the status of my loan and I found out they were going out of business and my load was sold to a company called SST ( Systems & Services Technologies , Inc., in XXXX XXXX, IL. When I contacted them is when problems started. I requested that my loan documents they had converted be sent to me. I got a lot of window dressing from their customer service rep 's when I called in XX/XX/XXXX and followed up in XX/XX/XXXX. They stated something was being worked up to send me to this date of XXXX XXXX XXXX. I have not received anything and they have treated me like a lost step child. I'm quite upset with them and they have told me I have some daily interest that I didn't not sign for with XXXX and this was a two year load at best. They are trying to milk this loan out for 36 months. I'm paying {$350.00} a month on a loan agreement I don't have documents for and when I requested information from SST they stated they sent info that must have gone in my spam folder and they only send that one time. So I don't have any load documents. My loan was with XXXX XXXX, and not for 36 months at {$350.00}. I would like your assistance in getting this load either dissolved or a change in whatever arrangements they think they have with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX Healthcare Collections reports inaccurate and non-sustainable information 2 times under the same name each with different balances, after formally requesting by certified mail pursuant to the FTC Act 15 U.S.C. 45 ( a ), on XXXX XXXX, 2016, the company has failed to meet the requirements to provide any legal instrument bearing my signature which supports the continued reporting of this alleged debt. The company has reported inaccurate and non-substantiated amounts. after repeated disputes through all XXXX credit reporting agency for over 3 years or more with no solution to remove

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 2020-04-13
Company: Alorica Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This company is using the Covid-19 crisis to try to scare customers into thinking they are late on payments and are highly pressuring customers to use their stimulus money to pay off remaining balances that are not late or overdue. I have made every single payment on-time since I received the loan and just received this is an email from them : This is a reminder that you have a remaining small balance of {$140.00} on your XXXX account. Our records indicate that some or all of this small balance may currently be past due. 

A tax refund is a great opportunity to close this account out in full and honor your remaining obligation on your XXXX loan. Putting that tax refund to good use, to resolve your debt with us, will allow us to close this account permanently and stop all further efforts to collect. 

I have never missed a single payment and am still being threatened with debt collection if I dont use my stimulus money to immediately pay off the remaining balance and settle an account that is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Rewards

Complaint:
I was approved for a MileagePlus ( MP ) Credit Card from Chase Bank on XXXX XXXX, XXXX. For being approved, Chase Bank offered an enrollment bonus of XXXX flight miles on XXXX XXXX. I intended to use this card solely for out-of-state travel purposes, which I rarely do. 

My MP quarterly statement ending XXXX XXXX, XXXX did show XXXX enrollment miles, which I thought would be adjusted once my minimum {$2000.00} payment of purchases within 90 days of receiving the card was processed. Said payment was made on XXXX XXXX, XXXX. ( This was a requirement of the XXXX miles bonus program. I later learned the XXXX mile offer required only {$1000.00}. ) It was only recently did I realize that the more than XXXX miles accredited to my card since my XXXX XXXX, XXXX quarterly statement, still only accounted for XXXX enrollment miles. 

I called MP on XXXX XXXX, XXXX to request the balance of XXXX enrollment miles. ( The original cardmember agreement I received with a copyright of XXXX did not state the number of introductory bonus miles. ) I eventually spoke to a Supervisor in their XXXX XXXX, TX office. ( Her name can be provided upon request. ) She did not dispute that the original offer was for XXXX enrollment miles, but said she would not approve the XXXX additional miles since my credit card was approved more than a year ago. I asked if she could send me where in the agreement does it state this XXXX year limitation. She could not. She then stated it was their policy. I then asked if that was in writing. She said no. 

A recent web search revealed that this matter regarding MP 's enrollment miles has been subject to extensive discussion among consumers for some time. For example, see XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THE INQUIRIES LISTED BELOW ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER TO FILL SEVERAL FRAUDULENT APPLICATIONS IN MY NAME I DID NOT SUMMIT THESE APPLICATIONS 1.XXXX  2.US SM BUS ADMIN ODA 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of unauthorized credit inquires on my Equifax credit report. I recently retrieved my credit report and it showed XXXX credit inquires that I have no knowledge of ever authorizing. I have sent out letters & also called the credit bureau several times. Here are the inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Other

Complaint:
I moved from XXXX to XXXX XX/XX/2016. And I did not move in to the new house until XX/XX/XXXX because attorney had to straighten up titles of our new house. I was late paying Chase credit card for XXXX because I never received printed statement. I have expressed to have both On-Line-Statement and Printed statement before, but I have never said that I wanted On-Line-Statement only. I called Chase XX/XX/XXXX and paid my due and they removed {$37.00} late fee. 
I made sure that they had my new address and asked them to mail me printed statement. That was XX/XX/XXXX, so they had a time to send me a printed statement so that I do n't forget send my check to them on time. But I never received printed statement for the XXXX payment. So I was late for XXXX payment. Chase added {$37.00} late fee and they refused to take it off. I told them I was late because they did not send me the printed statement which I asked them XX/XX/XXXX. But they insist that they can not take {$37.00} off. Now they are saying that they sent me a statement but the mail must have been lost. I have difficult time to believe that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-07
Company: Real Time Group, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I was way pass due on an account and I called Real TIme resolutions. After making payment arragements with them I asked that when would they report my payments to the Credit reporting agencies she said she would not that they did n't do that. I just made my first payment as agreed upon. Then checking my credit report It said I was late. I called Real Time resolutions and the woman said that it was reported late because I did n't make a payment since 2014.and that it would be correct ed when I made all my payment.Well I think there is something with this picture. They are either lying or giving false information. Someone should be checking on these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Two hard inquires are showing up on my Equifax credit report. They are both dated XX/XX/20. Neither of the named entities had authorization to pull my credit report and I want these two hard inquiries removed. I also want the personnel responsible for initiating these two hard inquiries prosecuted since this is a violation of the FCRA. The two hard inquiries at issue are : 1 ) Credit Inquiry - XX/XX/2020 - XXXX XXXX AND 2 ) Credit Inquiry - XX/XX/2020 -   XXXX XXXX XXXX I did not authorize either of these entities to do a hard ( or soft ) inquiry on my credit file. When I attempted to submit a complaint through the Equifax website, it would not accept my complaint and instead an error message came up stating that it could not confirm my identity ( so it wouldn't accept my complaint ) even though I answered all of the verification questions correctly. All of the verification questions dealt with non-existent accounts. 

This complaint should be split into two, one for each unauthorized creditor listed above ( XXXX XXXX and " XXXX XXXX XXXX '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a XXXX XXXX XXXX former employee XXXX in a position which required XXXX. My personal information was compromised by the breach of data maintained by the XXXX. Chase Bank will not removed {$30000.00} of charges to my credit card fraudulently made by companies by gaining access to my personal financial information on file with XXXX despite my providing them with information that showed : ( 1 ) the companies either did not exist, ( 2 ) I have never traveled outside the U.S but one time since retiring and that was XXXX last year, ( 3 ) the identification of my computer as the source of charges is not a reliable method of personal identification because a individual 's computer IP address may be obtained by a number of ways not at all difficult and used as a mask for the actual computer being used to complete a transaction including making the charge for a service as was the situation in a number of charges where the largest dollar amount and recurring transactions seemed to be coming from XXXX actually from XXXX where I have never visited, ( 4 ) despite being XXXX XXXX XXXX I consider myself of sound mind and find XXXX sites quite offensive and have never and I repeat never, seen or been on such a site in my life and willing to take a lie detector test to prove as much, and ( 5 ) despite my protestation they are adding to my outstanding balance this {$30000.00} without providing me a list of these charges so I can review again with them personally every charge and prove not just by sworn statement but other information and evidence I did not authorize or make any of the disputed charges. The total of these charges ( {$30000.00} ) will cause my credit card to exceed it 's limit which is {$18000.00} because I currently have an outstanding balance of a $ XXXX. This information will be forwarded to the XXXX credit bureaus, reducing my credit score, eliminating some consulting opportunities which I do regularly, and make any new credit impossible to obtain, even to lease a vehicle. This is one of the most egregious actions a bank can take against an individual, erroneous reporting to a credit bureau. Even a man who has XXXX from an XXXX can not wipe this off his credit bureau report and it all starts with the egregious actions of Chase Bank. It seems there is something to be learned from the XXXX XXXX, " XXXX '', first do no harm which financial institutions should be forced to observe

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
A CHECK WAS WRITTEN OFF MY ACCOUNT AND HONORED WITH NO PAY TO THE ORDER AND NO ENDORSEMENT ON THE BACK OF THE CHECK. I INVESTIGATED AND DETERMINED THAT THE CHECK WAS STOLEN FROM MY HOME WHILE I WAS NOT THERE. I REPORTED THE ISSUE TO JP MORGAN/CHASE BANK AS SOON AS I WAS MADE AWARE OF THE FRAUDULANT CHECK. I WAS TOLD THAT BECAUSE I DID NOT KEEP MY CHECK BOOK IN A LOCKED DRAWER AT ALL TIMES I FAILED TO PROTECT MY ACCOUNT AND THEY REFUSE TO REFUND MY MONEY. I HAVE TAKEN ALL THE CORRECT ACTION TO PROVE THIS CHECK WAS NOT WRITTEN BY ME INCLUDING FILE A POLICE REPORT AND PRESS CHARGES. THE REPORT NUMBER IS XXXX THROUGH THE XXXX COUNTY SHERRIFE OFFICE. THE INVESTIGATING OFFICER IS XXXX XXXX ( XXXX ) XXXX. I AM AN XXXX YEAR OLD WOMAN ON A FIXED INCOME AND CAN NOT AFFORD TO GIVE UP THE XXXX THAT WAS STOLEN FROM ME. DUE TO THIS INCIDENT I MAY LOSE MY HOME AS MY RENT CHECK HAS NOW BOUNCED. ANY HELP THAT YOU COULD PROVIDE ME WOULD BE GREATLY APPRECTIATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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:
I filed an identity theft XXXX  report. I have repeatedly tried to communicate with the company about inaccurate information reporting on my file. No communication has ever been received after multiple attempts and no one is helping me.

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 2020-03-01
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern RE : XXXX XXXX Account XXXX This is the 3rd time a 3rd party debt collection such as yourself ( MIDLAND CREDIT MANAGEMENT ) has  attempted to collect on this account that was never verified under OHIO LAW 1319.12 ORC Taking assignment of Debt. 
( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.

( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.

( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  mistakenly sent a balance that I did not owe to XXXX XXXX XXXX. I satisfied the balance as a sign of goodwill because this account has dramatically impacted my credit and financial well being. Upon satisfying the balance, I was told verbally that this account would be deleted from my credit. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  mistakenly sent a balance that I did not owe to XXXX XXXX XXXX. I satisfied the balance as a sign of goodwill because this account has dramatically impacted my credit and financial well being. Upon satisfying the balance, I was told verbally that this account would be deleted from my credit. Please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THE DISPUTED ACCOUNTS HAS BEEN SEVERELY HINDERING MY CREDIT WITHOUT MY KNOWLEDGE. THOSE ACCOUNTS HAVE BEEN REPORTING INACCURATELY AND I REQUEST THAT THOSE DEROGATORIES BE INVESTIGATED AND BE REMOVE OFF MY 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 explanation
Consumer complaint received 2016-06-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Complaint Description : I was told that once they received a documentation that an account that was not mine was to be deleted, they would remove it. This did not happen. On XXXX XXXX I notified that a collection from XXXX XXXX was on my credit report. The apartment information listed shows the wrong apartment number as well as the wrong number of lessees. I was told that a dispute could have a turn around of 90 days with each party having 30 days to contest or prove information listed. The agent from the collection, XXXX XXXX agreed to have the collection removed from my report with 30 - 45 days if paid in full. I received the deletion letter shortly afterward ; however the complex I found agreed to hold the place but for just 2 weeks and it is imperative that we move by XXXX XXXX. When I called Equifax to see if the process could be expedited, they stated I would have to dispute it and once it was confirmed that it is to be deleted they would take it off. I was told that the dispute was sent XX/XX/2016. The confirmation number is XXXX. I received a copy of the correspondence from the collection agency showing that the deletion request had been sent to XXXX, XXXX, and Equifax on XXXX XXXX. This collection was received by reported to be received by both XXXX and XXXX on the XXXX. Equifax stated they had not received it. I contacted the collection agency and it was confirmed by XXXX XXXX, the Director, Phone number XXXX, that they had responded to the dispute. Both XXXX and XXXX have removed the account ; however Equifax continues to state they did not received anything ; even though I have a copy of the correspondence sent to them. Today, XXXX/XXXX/2016, after speaking to an Equifax manager, XXXX, she was stated that she did not oversee that the department that oversees these disputes even though the department I contacted was the dispute department. She then stated there was no way she could find out if it had been received. When I requested the contact information for the department who could answer the question, she initially stated that she did not access to that information. After requesting that she not belittle my intelligence and as a manager I am sure she has access to every number there, her statement was revised to her not being able to provide that information to consumers. She disregarded the fact, I received notification of the deletion being sent and was very unhelpful. This is a time sensitive matter in which they are not honoring their own policies.

Company response to consumer: Closed with explanation