BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: ENCORE CAPITAL GROUP INC.
State: LA
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:
Theres incorrect information on my credit report. I spoke with Midland Funding in regards to an collections account for XXXX XXXX XXXX, in which they advised me that XXXX XXXX was the secondary agency, handling the account & I would have to call them to payoff the balance. After speaking with an agent at XXXX XXXX, he advised me that a payment of {$350.00} was needed to settle the debt and have the collection removed from my credit report. After making the payment on XX/XX/2020, the agent agreed to immediately forward the proof of payment to Midland Funding, so that the they can have the collection deleted from my credit report, being that they were the ones who reported it. Prior to making that payment, it was understood that Im in the process of closing on my home and needed everything to be processed swiftly as possible. The agent advised me that I had nothing to worry about, because it would only take but 3-5 business days to be deleted. Its now been past that 3-5 business days mark and both companys Midland & XXXX XXXX are giving me the run around, blaming each other for the delay in deleting the collection from my credit profile. All Im asking is that they please delete, you all have been paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: AL
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 am making my formal complaint bring light to the violations the three credit reporting agencies continue rack up dealing with the accuracy of my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. I started my journey to get this corrected by filing a police report and sending a affidavit to the 3 major credit reporting agencies XXXX, XXXX, and Equifax. I realized I was a victim of identity theft when I started crazy calls about accounts that needed payment and I had no clue existed. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1692 ( g ) Validation of Debts the law clearly states validation comes directly from me a " person ''. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I sent a dispute to XXXX ( File # XXXX ) about the following account : XXXXXXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1700.00} ) On XX/XX/XXXX, I sent a dispute to XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$480.00} ) XXXX ( Date Opened : XX/XX/XXXX, Balance : {$180.00} ) XXXX ( Date Opened : XX/XX/XXXX, Balance : {$220.00} ). It's been over 45 days since i sent this dispute and they have not answer as they are required by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Has taken months of repeated phone calls to get on a payment plan we were told was available to us, each time we call we get a different cust sv rep and have to reexplain the situation ( was told they could not let me speak to same rep we spoke to previously ), incorrect information told to us about when a payment was due while they worked on a mistake they made in processing for our loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi this complaint is being filed to bring awareness of violations the three credit reporting agencies continue to do when dealing with my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. I started my journey to get this corrected by filing a police report and sending a affidavit to the 3 major credit reporting agencies XXXX, Transunion, and XXXX. I realized I was a victim of identity theft when I started crazy calls about accounts that needed payment and I had no clue existed. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1692 ( g ) Validation of Debts the law clearly states validation comes directly from me a " person ''. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: AZ
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:
I have a hard inquiry on my consumer report that should not be there. XXXX XXXX XXXX XXXX ( XX/XX/2022 ).

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 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The CFPB form asks people if they have tried to straighten out the problem with the Company! I did! At least 15 times!

I have tried at least 15 times ( fifteen times ) to get this straightened out with the company! Literally! 


_____. 
TRANSUNION Fax Number - - - ( XXXX ) XXXX Attention : CCD ( Consumer Contact Department ) TransUnion LLC, XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XXXX XX/XX/XXXX. 





__ Subject : TransUnion must immediately remove or soften a certain inquiry!!!!!!!! 

__ To Whom It May Concern : I received a copy of my credit report and found the following item to be error. Here as follows is item in error : The following inquiry needs to be softened or removed immediately : Creditor Name : XXXX XXXX  Date - XX/XX/XXXX Explanation : I requested to be provided proof if I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. You sent no proof immediately of that, now it must be softened or removed immediately! 




By the provisions of the Fair Credit Reporting Act, this item should have been - SHOULD HAVE BEEN - softened or removed from my report! Please immediately soften or remove this item! 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you should have completed this re-investigation within 30 days of receipt of my earlier letter! 

. 

SPECIAL NOTE # 1 - I emphasize again - the hard inquiry must me softened or deleted TODAY!!!!! Because the time limit for compliance with FCRA & CPA & ADA & other laws has  already expired!!!!!!!!!!!! 

SPECIAL NOTE # 2 - I am a paying customer of TransUnion!!!!!!! Even tho I am a paying customer of TransUnion - TransUnion has often failed to do what TransUnion has been paid to do!!!!!!!! And TransUnion has even failed to do many things that TransUnion is supposed to do even for the free customers!!!!!!!!!!!! What is wrong with TransUnion?????????????? TransUnon is required to immediately delete or soften the above stated inquiry!!!!!!!!!!!! 


. 
God Bless America!

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 2020-01-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent multiple complaints about accounts listed on my credit report that aren't mine. I have not yet received anything from the credit bureau stating they properly verified the accounts and how the accounts were verified. Anyone can respond " Yes this is accounts belong to this person '' but how are you verifying the information is accurate??? The credit bureau is obligated by law to assure the accounts they are reporting are accurate but they are not doing so. The accounts that I listed within my letter ( s ) are not mine. I've received responses stating they have verified the accounts are mine but I would like to know how are they verifying the accounts because, they aren't mine. I've requested time and time again for something with my signature but have not yet received anything.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: TN
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 account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX XXXX account XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase United Clib MileagePlus Card In March, 2019 I responded to an offer to receive XXXX  bonus miles if I spent {$3000.00} on the card and reconciled that balance within the first 3 months of having the card. 

My application was accepted and my first billing statement was XX/XX/2019. Within the first 3 months of having the card I spent and reconciled nearly {$10000.00} of payments. 

I never received my bonus miles. 

In XX/XX/2019 I called Chase to determine why I had not received the miles. They stated that I had instead accepted an offer for the first year 's annual fee ( {$450.00} ) to be waived, an offer that I did not sign up for. 

I elevated the complaint within Chase, mentioning that I could be happy to pay the {$490.00}, but I wanted the bonus miles since that is what I signed up for. On XX/XX/2019 they sent me a letter via mail that I had signed up for the annual fee waiver and not the mileage bonus, and that my case was closed. 

I did not sign up for an annual fee waiver offer, and I would like my bonus miles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25
Company: HANCOCK WHITNEY BANK
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I originally scheduled my closing for XX/XX/XXXX. Four days before, I was told that would n't be possible. I received an extension from the seller and scheduled closing for XX/XX/XXXX. Two hours before closing, I received a call saying the closing was n't cancelled. I was told my seller would be notified. They were n't. They contacted me to find out why the closing was cancelled. I 'm still trying to close on the house, but it 's looking doubtful at this point. I 'll likely need another extension from the seller. During this whole ordeal, my loan officer has uncommunicative for days at a time. He also repeatedly he would call me by a certain time, and I would n't hear from him again until days afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a letter from the money source regarding my home being foreclosed in and that I need to pay the full amount. It is my understanding FHA doesnt require full payment and this letter sent to me tells me Im in violation when its clear I am in the forbearance program. If TMS is sending this letter to their customers then they are in violation to FHA mandates and is intentionally providing false information and scaring people about losing their homes. Please investigate this matter and contact this lender to contact their actions. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX, consumer, natural person and original creditor of an open end credit plan. I received a copy of my consumer credit report and I am now aware of some negative payment history that is being furnished without my written consent. Pursing to the FCRA 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. However, under 15 USC 1681a ( 2 ) ( i ) Exclusions from a consumer report include information solely as to transactions or experiences between the consumer. By law you can not furnish transaction history. Transactions are late payments, this needs to be removed now. According to 15 U.S.Code 1681 ( a ) ( 4 ). The information being reported is false, misleading and fraud. All in which so has caused many damages over time. Pursing to the FCRA15 USC 1692d a debt collector may not engage in the use of criminal means to harm the physical person consumer or my reputation. These late payments are damaging my reputation. They have also caused me great harm, mentally and physically. Pursing to 15 USC 1692e ( 2 ) ( a ) a debt collector may not use the false representation of the character of a consumer. Late payments are character damaging. It states you cant report the character of any debt meaning its in my character to pay late based on my consumer report. This is tarnishing my character. I am demanding that you remove every late payment. According to 15 USC 1681a ( q ) ( 3 ), identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. The term " Person '' in this section 15 USC 1681a ( b ) means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. In this case this corporation ( Equifax ) is in violation. This is identity theft and as a result, the late payments must be deleted and blocked from my file.To conclude, under 15 USC 1681c you must block any information in my file from an alleged identity theft, no later than 4 business days after the date I provide the details to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022 at around XXXX XXXX I tried about XXXX TIMES to access my accounts with a CORRECT username and password and I kept getting errors. Messages received are " We are making improvements to the site... .etc etc etc ''. 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2019-12-31
Company: Kimball, Tirey & St. John LLP
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lived in XXXX  housing given to my former wife being XXXX XXXX XXXX XXXX. till we were wrongfully evicted on XX/XX/2015 leaving XXXX XXXX service member and her family homeless on XXXX and essentially the rest of her XXXX  period. Tried to work with company to clear things up and work with them beforehand yet they were very rude and unwilling to even attempt to be human. After eviction, the stress aided in separation of wife and I which led to divorce. After this I heard nothing more about any debts owed or collections being taken until i started checking my credit report recently. So, in short, I sum it up in two bullet points 1. Wrongful eviction so anything needing fixed or replaced would have at actual end of lease which means debt owed is on them not us.

2. The paperwork Ive seen all says the past wifes name, not mine.. I have received no mail, email, paperwork, or even phone call about it.. so I take 0 responsibility for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclays Choice Privileges credit card company failed to timely credit my credit card payment. Barclays unlawfully held the payment over a weekend so Barclays could claim false and erroneous charges since I paid off my credit card in full each month. I timely paid, and Barclays timely received, {$220.00} on or before the due date, Friday, XXXX XXXX  2011. However, Barclays failed and refused to timely credit the payment. Instead, Barclays held the check over the weekend and did not credit it until Monday XXXX XXXX, 2011, after the weekend. Barclays then demanded {$35.00} as a false " late fee, '' and {$3.00} in false " interest. '' I immediately notified Barclays of the error and demanded it be corrected. When Barclays refused to respond and correct its mistake, I cancelled my account, terminating any contractual relationship between me and Barclays. Since that time, Barclays has attempted to charge me additional late fees and additional interest for my refusal to pay the original false and incorrect late fee and interest. SUCH LATE FEES ON LATE FEES AND INTEREST ON INTEREST IS NOW ALLEGED TO BE IN THE SUM OF HUNDREDS OF DOLLARS. NOT A SINGLE PENNY IS FOR PRINCIPAL. These false claims are negatively effecting my family 's ability to obtain credit. Clearly this is unlawful.

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 2022-01-22
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I leased a car in 2016 and paid for 3 years through XXXX  and XXXX  partner company xchange leasing. All the payments for the lease were made automatically through my XXXX earnings. I leased the veichle for 3 years and made every single payment. A company called XXXX XXXX XXXX XXXX XXXX and Receivables Development Management LLC is claiming there is a balance owed from that lease, this is a false statement and incorrect. The company claimed that I canceled my lease early and there are fees but that is also false. I attached a screenshot of the terms of the lease from xchange leasing. As stated I paid all payments automatically through XXXX. When I returned the Veichle the leasing company informed me that I do not owe anything. This is some type of false debt. I spoke to the company after receiving the letter, they asked for proof that i owed this money and they never responded to me and never sent any proof. This needs to be resolved as its inaccurate information.

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