BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting some public record of a judgement of {$7000.00} on my credit report. This is not mine and should be deleted. I have submitted a dispute with Equifax about this but, it still appears on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an account on my credit report that does not belong to me and I want it removed. I have contacted the company that is reporting this account via phone and email and they could not even verify the account because they have the wrong date of birth listed for the account. I know that this is not my account and would like it removed and a complete investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/2022 I paid the collection account from XXXX XXXX XXXXXXXX in full for the amount of {$820.00}. I was told by XXXX XXXX that the account would be deleted after payment. Its now been a month and nothing has been updated. I called the company today on XX/XX/2022 and they advised me that they have sent the update to the credit bureaus. They have just failed to remove the account.

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 2016-02-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I originally disputed a bill with XXXX XXXX. I refused to pay it. They would not settle same with me and they sent it over to another division called XXXX, which, appears to be their in-house collection agency. The last payment to XXXX was XXXX XXXX. The credit report says the debt is owed to XXXX and the debt commenced in XXXX XXXX ( probably the date XXXX received it ). As a result, a six or seven year old debt has been updated to one that is one or two years old. The statute of limitations in New Jersey is 6 years. The debt is not collectable. But, my credit is being damaged. I tried to resolve it with Experian about a year ago. I believe, however, I did not mention the discrepancy on the dates. I challenged the legitimacy of the charge. Experian answered, in due time, and ruled in favor of XXXX. When I noticed recently that the dates were wrong, I filed a complaint again with Experian. They cited rule 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, saying that they do n't have to deal with a second challenge. I sent it all back to them again today by certified mail, giving them the same information and telling them that they were still liable because they were promulgating incorrect information about 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 explanation
Consumer complaint received 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
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:
I believe that I am a victim of a racially motivated decision. on XXXX I received an email saying that my credit line was increased. I tried to use the card the same day and it declined. I called bank of America to try and find out what the issue was and they informed me that my account was actually closed. I was confused because I did not receive an email of a closed account, But of a credit line increase. When they closed my account, they blocked my access to pay the bill online. I had no idea how to make a payment. I was sent no instructions or warning. Bank of America has reported 2 late payments on my credit which has destroyed my credit, I had excellent payment history with them prior to closing my account. anytime I call in to get help with my account, I am told a new lie every time I call. On XXXX or XXXX XXXX, I called and reported financial hardship and all they did was lie to me and tried to set me up in a situation that would have further hurt my account. Every person I spoke to has been an a** hole with me, and it's only because I am a XXXX customer. I have no choice but to try and seek help with this.

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 2022-04-21
Company: Experian Information Solutions Inc.
State: CT
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:
According with the Fair Credit Reporting this company has violated my rights.

section 15 USC 1681 section 602 A states I have the right for privacy.

15 USC section 604 A states it also states consumer reporting agency can not furnish account with out my written instruction. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act by mentioning my incorrect residential address XXXX XXXX XXXX XXXX, XXXX, KS XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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 2022-04-21
Company: Central Portfolio Control Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not notified of an attempt to collect a debt for an old medical bill. Some called Central Portfolio Control appeared on my Credit report yesterday. I was never received any information about this debt and as a result I was not able to dispute it. I feel like this is more than likely an extremely old medical bill. I would like the opportunity to dispute this old medical debt and have it permanently removed from my credit report. The collection agency involved is : Central Portfolio Control XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here is the detail of the late payment accounts, company name, balance & date last reported XXXX XXXX {$0.00} / 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: CNG FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I keep getting threatening phone calls from a company called XXXX, for a debt that was paid by me and my old bank XXXX XXXX XXXX XXXX, in XXXX XXXX, Iowa. I paid over {$9000.00} last year on XXXX XXXX to pay off all or any outstanding debt I had. I have a confirmation number for this particular former debt that went from {$550.00} down to {$500.00}. in a settlement to pay the debt off!. I am not getting the credit apparently after I paid it they are trying to double dip on me. Here is the confirmation number as follows : XXXX - File number XXXX, I spoke to a XXXX back in XXXX of 2021, she took the payment from my bank debit card. A person named XXXX XXXX keeps calling me harassing me from XXXX, saying they are coming to my job, to arrest me, XXXX told me today XXXX is a XXXX  XXXX. She threatened to arrest me over {$550.00} that has already been paid by me and my former bank in Iowa! This is very scary! Its even been removed from the credit bureaus since I paid it for Check and Go I believe the name of the company is on XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX. They asked for my birthdate and last four of my social # today to confirm it was me to unlock the account for me. ITS PAID! 
Sincerely XXXX XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have repeatedly requested written information about the debt and made it clear I was willing and able to negotiate the debt if they were able to prove they legitimately owned the debt, ceased to harass me about legal repercussions such as prison, ceased to ask for my social security number over the phone, and ceased to ask for my credit information in email and over the phone. They have never been able to display any kind of legitimacy, and I believe it is a scam, but if it is truly the owner of the debt then their tactics certainly fall under harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-26
Company: Experian Information Solutions Inc.
State: OH
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 asked XXXX  and experian to verify this account because there is inaccuracies. Also, this account does not belong to me and XXXX and Experian responded verified but did not send proper documentation showing me how they verified the account and the documents they have that verified the account. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account with a balance of {$1400.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right and 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 constructions.

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 2017-12-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving at least 10 phone calls a day from XXXX XXXX at XXXX for the past month and a half. I have had to block them and they still keep attempting to get through. I also have written to HSBC numerous times to advise that they contact me via correspondence. They keep telling me that I have to call XXXX. I keep telling them to address me via email or written correspondence and that I do not answer telephone calls, please stop. We are going in circles and the telephone keeps ringing and has become intolerable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My house payment is due on the 1st of each month with a 15 day grace period. The month of XXXX  2017 my payment will not be made until the 14th. I spoke with an operator on the 7th and told her my payment would be made on the 14th due to the way pay periods fall for me this month. Later that day my wife received a phone call and I received another call when I was on my way home from work. The following day I received two more calls and informed the operator I already spoke with someone about the payment. I received another call on the 9th at XXXX a.m. This is absolutely harassing and I want it stopped. There is no reason for it and my mortgage is not in default and I have not even exceeded the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Mountain Run Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Ok XX/XX/21 I called Mountain Run to settle the debt. I asked to speak with a supervisor to help me settle the amount owed on this almost XXXX XXXX XXXX debt that I wasnt aware of until it recently posted on my credit. Unfortunately, we were not able to come to an agreement and the supervisor began to belittle me and make fun of my financial hardship. I reminded her that I am a customer and not to be condescending towards me. She proceeded to correct me stating I am a consumer and that I can not afford to pay my bill much less a lawyer in a condescending demeanor. I was not able to tolerate her condescending tactics and I hung up the call. It is important to remain professional and kind everyone is going through rough times.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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 account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My ex-husband,  XXXX   XXXX , and I had a joint bank account in  XXXX  with  XXXX   XXXX   XXXX   XXXX  in  XXXX , Texas. This account was overdrawn by {$290.00} and was never paid by my ex-husband, even though he was ordered to in our divorce.  XXXX   XXXX   XXXX   XXXX  then charged off this balance. I filed for divorce in  XXXX   XXXX  and it was finalized in   XXXX   XXXX  . In   XXXX   XXXX  , I filed for Chapter  XXXX  Bankruptcy and it was discharged in   XXXX   XXXX   This  XXXX   XXXX   XXXX   XXXX  account was included in my Chapter  XXXX  Bankruptcy and was discharged. I reviewed my credit reports soon after and noticed that Equifax was still reporting this account as an open charged off account. I have contacted Equifax many, many times about this and each time I dispute this item to have it reporting correctly as " Included in Chapter  XXXX  Bankruptcy '', they will not fix it because they say  XXXX   XXXX   XXXX   XXXX  is confirming that I still owe that debt and it is an open matter. I have sent numerous letters to the credit union and numerous emails and have never, ever received even  one  response. I even sent them the bankruptcy paperwork showing that their debt was discharged. They provided no correction to Equifax and no response to me. I want them to immediately either remove this listing completely from my credit report or update the listing as they are legally obligated to do. I am fully able and willing to obtain legal representation and pursue litigation if they continue to violate my rights and protections under bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act ( FCRA ), I XXXX XXXX XXXX have a right to the fair and accurate reporting of my credit information. 

In accordance with the Fair Credit Reporting act XXXX  Account # 's XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, Account Info Reference Number XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: FEDChex Recovery, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented a vehicle from XXXX ( peer to peer car rental company ) around XX/XX/2022 for {$460.00}. I had a car accident and frustrated that XXXX provided absolutely no help in the whole process. I wrote to XXXX, and also to the XXXX XXXX XXXX XXXX XXXX XXXX  about XXXX 's bad service. I also filed a claim with XXXX on the towing expenses ( XXXX promised free towing on accident ). XXXX however did not reply back to me, did not response to XXXX did not pay my claim. I decided to dispute my payment of the {$460.00} through my credit card. Again, XXXX did not reply to credit card dispute. Overall, XXXX did not response to any of my complaint through proper channel. Instead, XXXX submitted the bill to collection agency and try to collect from me {$490.00} and try to impair my good credit score. 

I am asking your help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XXXX XXXX!!! 
My name is XXXX XXXX, I am XXXX XXXX XXXX father of XXXX. I am a XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX. 10-15 days ago I received an email on my school email account regarding a part time job opportunity. I did show interest and I trust the sender since it was sent from one of the school emails accounts. The person who claims to be a humantarian professor needed a assistant to purchase items for foster homes. After a few email back and forward I was hired for the job. The person who claims to be professor XXXX. XXXX, send me an e-check through my email for the amount of {$3500.00} on XXXX of XXXX. I was instructed to deposit the check in my account. I did deposit the check in my account and it was cleared fully after XXXX hours. The funds was available fully on XXXX of XXXX, and I got a confirmation message from chase bank regarding the clearance of the check. Then the guy who claimed to be professor XXXX XXXX, instructed me to subtract {$500.00} for my weekly payment as it was agreed. The rest of the funds were supposed be for the purchase of the items for the foster home kids ( Diapers, stationary, bedsheets, etc. ). However, XXXX XXXX XXXX instructed me to send the money by XXXX transections to someone by the name of XXXX XXXX for the amount of {$2000.00}, and {$1000.00}. He claimed that the foster homes can not receive any thin by Mail or delivery due to XXXX. I did sent {$2000.00} on XXXX and another {$1000.00} on XXXX of XXXX through XXXX ( A third party money transfer platform offered by chase Bank ). On the XXXX of XXXX the {$3500.00} check which was initially cleared by the chase bank was withdrawn form my account. I called my bank to find out. They told me although they cleared the check initially and the amount was available. The process usually take XXXX days. Now, the {$3500.00} is withdrawn from my account and also the {$3000.00} ( XXXX transection of {$2000.00}, and {$1000.00} through XXXX XXXX is gone form my account. I end up losing {$3000.00} plus the {$500.00} of my weekly pay as it was promised. At this point I am sure I become a victim of the fraud by the online scam. However, the chase bank caused this by clearing the {$3500.00} check initially without completing the process. This caused my lose my money and I am student can not afford to lose {$3000.00}. Therefore, I kindly request further investigation into this fraud issue. I have all the emails, text messages and receipts form chase bank and the other parties. I am welling to share any of those information incase an investigation is needed. Thanks a lot in advance and I am looking forward for your help in this case

Company response to consumer: Closed with monetary relief