BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-17
Company: Professional Debt Mediation, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of my apartment at XXXX XXXX  XXXX XXXX in XX/XX/2016. I made all final payments and the management company at the time, XXXX XXXX, claimed that I owed move out fees and costs. The management company then entered a judgement against me in the amount of {$4300.00}. I appeared in court on XX/XX/2016 and the plaintiff 's claim for rent and fees, was dismissed. This debt was then sold to the collection agency, Professional Debt Mediation. Professional Debt Mediation has been reporting this debt on all 3 of my credit reports, since XX/XX/2016, after the case was dismissed. I attempted to dispute this inaccurate debt, with all 3 credit bureaus and the collection agency. All parties claim to have verified this debt as accurate and continue to report this untrue debt. I called Prof Debt Management and was told by a very rude rep named XXXX, that my case dismissal was only to stop an active eviction. I advised the rep that I was never evicted and this case has been dismissed in XX/XX/2016 under the court of law. The rep then told me that I in fact owed this debt, without even providing proper proof of said debt. In addition, to me not legally owing this debt - there are several reporting errors found, such as date opened and date of last activity, just to name a few. I am demanding a PROPER and COMPLETE investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: XOOM CORPORATION
State: VI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Following XXXX Xoom ads stating that they can transfer funds directly into recipient bank account Worldwide, I have decided to give it a try on XX/XX/2020. I booked online with Xoom a transfer of funds to my sister in laws bank account in XXXX, XXXX. Up to now, XX/XX/2020, the recipient didnt receive the fund. I have contacted XXXX Xoom many times regarding this matter, they keep asking to wait indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had my mortgage loan with XXXX for past 10 years. Suddenly, I received a letter on XXXX and indicated XXXX would stop servcie our loan from XXXX XX/XX/XXXX and Rushmore, and the new loan company who bought our loan would start servicing our loan. Also, XXXX told us that we should receive the payment coupon from the new mortgage company. 

That was why we did n't given our morgage payment in XXXX becasue XXXX did n't mail the payment statement and coupon to us. At the same time, we were wariting for the Rushmore 's payment starting on XXXX XX/XX/XXXX. But we could n't recieve it, so inteand sending our XXXX XX/XX/XXXX payment to Rushmore, we sent it to XXXX. XXXX the XXXX received it, they sent us a letter that indicated our XXXX XX/XX/XXXX payment would be transferred to XXXX but XXXX told us this would be the XXXX time for the XXXX. On XXXX XX/XX/XXXX, we still could n't receive any payment coupon from Rushmore, but we decided to mail out payment to Rushmore anyway. We did it and Rushmore cashed it. 

Since we have never and ever received the payment coupon from Rushmore, the new loan company, we started to feel it must be something wrong. We did n't send our mortgage payment on XXXX XX/XX/XXXX. In XXXX XXXX we started to hear their complaints and recevied a complaint from the court and they asked the court to collect our past ten month mortgage missing payments. They indicated that we broken the contract, etc ... 

We sent my XXXX XXXX, XX/XX/XXXX mortgage payment to XXXX, they returned it to me. 

We got all our mortgage payments history and sent to them for the dispute on XXXX XXXX, XX/XX/XXXX, but they still sent us Notice Of Intent To Foreclose and said that if we do n't pay them total of {$62000.00}, the missing payment from XXXX XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX before XXXX XXXXXX/XX/XXXX, they will initiate foreclosure proceedings ... etc.. 

We do have the missing payment money for total of {$24000.00}, the current XXXX payments we owe to them but they do n't want it and they are demading on {$62000.00}, that we do n't have it. 

I will hire a attorney to send a lawsuit against the XXXX and this may be the only chice we have at this time becuase there is no way the Rushmore can do what they want and take our home as granted. 

Amyowner of the house!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX, account number XXXX is wrongfully appearing on Experian, XXXX and XXXX credit bureaus.The debt is not owed.The debt is from an older car lease which was subsequently rolled into a new one.The car dealer stated there was no outstanding debt that was not rolled into the new lease.I have included the lease contract for confirmation of this fact.

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 2016-11-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I had old child support deleted from all XXXX credit bureau they are more then 7 years old now equifax has now put it back on my credit report within 7 days. they are just doing what they want with my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was a loyal customer of XXXX XXXX for many years, i never one time was offered any promotions or upgrades on equipment. I called them to see if there was anyway i could get new equipment since the old equipment that i originally had was old and wasn't working properly. one of there representatives transferred me to their supervisor to assist me. the supervisor then told me that i qualified for an upgrade, and that they would send me new equipment and a tech out to hook it up. After a month of having the new equipment i received a outstanding bill for the upgrades that XXXX XXXX supervisor didn't make me aware of or discussed. i also found out that they started a new contract that i never agreed to. When i called to discussed theses matters they kept giving me the run around about my issues, telling me that they would have a someone reach out to take care of the problem but never did. i also made them aware that i was on new contract that i never gave authorization to. I tried reaching out to XXXX XXXX on multiple occasions but fell short with talking to someone that could help. After months turned into years after not speaking with anyone or resolving the issue i then get notification on my credit report that XXXX XXXX sold my bill to a debt collector. the amount of money that they are claiming is unfair and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: CHOICE CAPITAL FUND
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received a loan from this company XXXX weeks ago and have since been trying to call them for the last 6 days about revoking their right to ach debit my checking account. The phone just goes to music and I sit there forever and noone ever answers or the phone disconnects. Its happened 10 to 15 times. I have also sent an email ... ... No answer as of yet. I was told this company was operating illegally in Tennessee. I want this company to contact me immediately. Thank u.

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 2022-02-21
Company: Experian Information Solutions Inc.
State: CA
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. 
Failure to do so is a violation of my rights.

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 2016-02-04
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Late fee

Complaint:
I 've sent several payments in to Macy 's well in advance of my payment due date, but they keep cashing my checks late and charging me XXXX late fees. This has happened 3 times so far. I 'm really disappointed in this company and hope someone can have a look and see if this is happening routinely to others.

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 monetary relief
Consumer complaint received 2023-01-24
Company: U.S. BANCORP
State: GU
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:
XXXX XXXX pulled an unauthorized credit report for me. See below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please have this credit inquiry canceled, as it is fraudulent. 

Thank you

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 2017-03-28
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to sell my home on a short sale for 2 years.. I have had so many home specialists I cant count them. I have had 3 very good contracts on my home and Citi stalled so much all the buyers left.. I now have another contract on my home and Citi is requesting all kinds of information they already have.

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 2023-03-31
Company: EQUIFAX, INC.
State: TX
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:
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 INSTRUCTION. 15 U.S.C 1681c.

( a ) ( 5 ) SECTION STATES : NO COSUMER REPORTINT AGENCY MAY MAKE ANY OF THE FOLLING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATIOM, OTHER THAN RECORD OF COVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates , LLC. located at XXXX XXXX XXXX, XXXX, VA XXXX PN # ( XXXX ) XXXX. On XX/XX/2017 open a XXXX debt collection on me acct # XXXX ref # XXXX with there company. As well as, attached that XXXX  debt to my XXXX credit report which I was never notified from them about the alleged debt they claim i owe them. 

First of all, I have never heard of this company in my life. They have never contacted me by phone or mail about this debt issue in the four plus years this debt been placed on by them. Secondly, I have never signed a contract with them or any other service agreement with this comany. Thirdly, this company has been violating my Consumer Proctect rights for over 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: CREDIT ACCEPTANCE CORPORATION
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:
in accordance with the fair credit reporting act XXXX Account Credit acceptance account # XXXX, has violated my rights 15 USC 1681 selection 602 states i have the right to my privacy.

15 USC 1681 selection 604 A selection 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a car payment under an open end consumer credit plan as late for any purpose

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 2020-01-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/20 I received a letter via US Mail from Chase Bank telling me that on XX/XX/20 they have closed all of my long time accounts with them. The letter does not list a reason. I called their Compliance Unit at the phone number given and was told that they will not tell me the reason that my accounts were closed. I had two checking accounts, one savings account and one Trust account with Chase Bank and all have very high balances. No bad checks and no outstanding fees. Total balance in all accounts is {$970000.00}. I have been with Chase years since when my accounts were carried over from WaMu. All of my life savings are tied up at Chase. Including my SSI direct deposit. This situation has created a hardship for me. I was thinking about moving my money to XXXX XXXX but after doing some research I find that CFPB is investigating them for doing the same exact thing that Chase is doing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
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:
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 Commissions identity theft affidavit. Please delete the items as soon as possible as it is hindering me. Im trying to advance in my life by getting a house to provide for me and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
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, account number XXXX is wrongfully appearing on XXXX, transunion and XXXX credit bureaus.The debt is not owed.The debt is from an older car lease which was subsequently rolled into a new one.The car dealer stated there was no outstanding debt that was not rolled into the new lease.I have included the lease contract for confirmation of this fact.

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 2020-08-17
Company: Central Portfolio Control Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We are paying XXXX XXXX Hospital in XXXX payments on a bill. There were two accounts on the total. When paying, early even, they kept applying the payments to the smaller account number even when it was paid. Therefore, the bigger charge went unpaid. When Central Portfolio Services called us, I then called the hospital to see why we were being called when payments were being made.They realized what had happened and said that they would rescind the collection. I even checked the following month and they said that they had rescinded it as they said they would. However, that charge is on my credit and Central Portfolio is not removing it. It says that it will remain there until XX/XX/XXXX. Central Porfolio is continuing with collection calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: U.S. BANCORP
State: WI
Product: Credit card
Issue: Other fee

Complaint:
I accepted a fixed percentage offer until paid in full for a balance transfer from US Bank ; a few months later I received a communication advising an annual fee ( {$40.00} ) would becharged starting XXXX XXXX, stipulating the option of paying your bill in full. If I had themoney I would n't have accepted their offer in the XXXX place. Upon being charged, I calledsaying I did n't feel I should be charged an annual fee as I did not use their card forpurchases but paying off a balance transfer. I got no satisfaction by phoning the next yearas well. XXXX of last year I wrote the same objection on my payment slip ; I received theresponse that the annual fee was necessary for the cost of maintaining my account. 
This time around I am writing you in the hope of some justice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: NC
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:
I am writing this complaint to EXPERIAN. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

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 2020-08-17
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, account number XXXX is wrongfully appearing on XXXX, XXXX and equifax credit bureaus.The debt is not owed.The debt is from an older car lease which was subsequently rolled into a new one.The car dealer stated there was no outstanding debt that was not rolled into the new lease.I have included the lease contract for confirmation of this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Would not identify themselves with phone call at first. Threatened to sue me for illegal activities associated with taking out the loan because my bank account was closed, etc. I filed for ch XXXX bankruptcy and it has been discharged in XX/XX/XXXX. This debt is from XX/XX/XXXX I think & is included in ch XXXX. I phoned my attorney & asked them to send information to this collector to stop the harassment. They are calling me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: NV
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: Investigation took more than 30 days

Complaint:
I filled a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results

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 2021-03-25
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting 2 accounts to my credit report that i do not recognize, i have tried to as them to verify/validate. this debt 4 times and i have yet to receive a signed contract for either account. XXXX has deleted thhem both as thhey are not able to verify/validate this account ... experian delteed one ... XXXX has not deleted. any ... .are. they not supposed to follow suite by law? i need this deleted immediately as they are in violation

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