BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-16
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Albuquerque Collections, XXXX, NM XXXX, ( XXXX ) XXXX reported a collection for less than {$20.00} on my credit report in XX/XX/XXXX. The collection was supposedly a balance from a previous collection filed in XXXX that was paid in full before it was ever reported to a credit reporting agency. I never received another communication by mail, email or phone from Albuquerque Collections or the Medical Company associated with it that there was an alleged balance due for less than {$20.00}. That is, not until I checked my credit report in XX/XX/XXXX. I have had a few real estate transactions close since XXXX and not once did this collection appear on my credit reports. It is unfair practice not to properly inform a consumer before reporting to credit agencies. I did not have enough information or time to properly verify the amount they wanted to collect from me. I paid it off over the phone with them because I was told that it would be removed from my credit report. This was most important to me as I was in the middle of another real estate transaction. Now three months later, it is still being reported as a derogatory record that will stay on my report until XXXX! This has caused a XXXX points or more drop on my credit score for their errors. I find it unfair and unacceptable that me, the consumer should be penalized on my credit score for the next three years for their unprofessional conduct and errors.

Company response to consumer: Closed
Consumer complaint received 2022-04-17
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: Credit inquiries on your report that you don't recognize

Complaint:
n accordance with the Fair Credit Reporting act XXXX, XXXX Account # 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 non-monetary relief
Consumer complaint received 2020-06-16
Company: Resurgent Capital Services L.P.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
After advising XXXX, of my financial situation when my son went into XXXX XXXX  and asked if I could extend the life of my loan until I went back to work and they advised that I could. Two weeks later they took over {$300.00} out of my account and the following week another payment over {$300.00}. I called and explained the issue and was told it wasn't noted and it wasn't anything they could do. Fast forward a few weeks from that conversation in 2019, they placed me in collection with the incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion refuse to investigate the amount of inaccurate inquires I have on my credit 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 2016-10-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
XXXX XXXX, 2016 I got an alert on my credit from a company called XXXX XXXX XXXX. stating I owed them {$110.00} for medical service. I sent the company a very detailed letter requesting validation on this account. I asked XXXX XXXX XXXX. to provide me with : 1. what the money they say I owe was for 2. explain and show me how they calculated what they say I owe 3. copies of anything i signed saying I agreed to pay them 4. Identify the original creditor 5. show me that they are licensed to collect in my state of PA 6. To also provide me with their license number and a registered agent. 
As of Today XXXX XXXX 2016 this company has failed to contact me. I notified Equifax on XXXX XXXX 2016 in writting that this was not my account. they did not remove it I notified Equifax again in writting XXXX XXXX, 2016 when the company did not send me any information I asked for after 30 days of the first letter I sent them. I sent Equifax copies of my reciepts and certified mail return receipts to see that I did indeed send these letters to this company. Equifax still refuse to remove this item off my credit. XXXX XXXX XXXX has wrongfuly placed an acccount on my credit report that is not true and does not belong to me. If needed I can mail you guys the copies of the letter and receipts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Ref : XXXX XXXX XXXX / XXXX Approximately 6 months ago, I refinanced my mortgage from a 30 yr term down to a 15 yr term with XXXX XXXX XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX with XXXX XXXX. Through further conversation, XXXX advised, I had a lot of built up equity in my home and asked it I wanted to hear about some great options that were available to me. I told him " I MAY '' be interested in a 10-15k home equity loan in XXXX '' XXXX replied, I'll email some information to you. The conversation was literally 1-2 minutes in length. 2 hours later it was revealed he did a HARD Inquiry on my credit WITHOUT my permission and sent me a sales contract. At no time, did we even discuss rates or actual options. How he obtained my personal information i.e. date of birth/social security number is through their database when I completed my 15 year refinance loan 6 months prior. I immediately contacted XXXX XXXX via telephone when I received the email and left him 2 voicemails asking him why he pulled my credit, but I received no response. The next day, I contacted his supervisor, XXXX XXXX and filed a complaint. XXXX XXXX seemed receptive and stated, XXXX XXXX should have never pull my credit based on our conversation. On XX/XX/XXXX, XXXX XXXX sent me an email directing me to send an email back to him requesting the credit inquiring be removed from my credit report. I also generated a complaint with the XXXX XXXX XXXX ( Upstate South Carolina ) who contacted the company and relayed all information. complaint ID XXXX A few days later, I received a letter in the mail from XXXX XXXX XXXX 's Attorney stating their company did no wrong doing. Furthermore, he stated he spoke to XXXX XXXX and who advised I gave him consent. This is a TOTAL Lie. So, the whole process with the XXXX XXXX XXXX was just He said she said, with XXXX XXXX XXXX not admitting their employee was wrong. In addition, they never removed the unauthorized credit inquiring off my report. It affected my XXXX credit score and will remain in effect until XXXX. I NEVER INSINUATED OR DIRECTED XXXX XXXX TO RUN MY CREDIT OR WORK UP A SALES CONTRACT. Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been on auto pay for over a year. They have reported to the credit bureaus XXXX late. I she Contacted my school. They told XXXX they would fix it. It has yet to be fixed they said I was not late I have the email to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Rewards

Complaint:
XX/XX/XXXX/XX/XX/XXXX I applied to Citicard promotion for a Master Card World Elite credit card that I received in the mail. The promotion was for when you have made purchases of {$3000.00} within 3 months after you received your card, you will be awarded XXXX miles to your XXXX XXXX Miles account. I applied to this promotion online, simply because I could find out right away whether I qualify or not. My application was denied immediately. I later received a letter in the mail from Citicard saying that because I already have an open account I therefore was denied. I had previously canceled my credit card with Citicard a couple of months prior to applying to this promotion but Citicard claimed that I had an open account. XX/XX/XXXX, I received another promotion in the mail from Citicard with the exact same promotion as before. I decided to try again. I applied online and was approved immediately. After receiving my credit card and have met the requirements necessary to receive the XXXX miles, I noticed on my statements that the XXXX miles has not been credited, instead only the XXXX+that I had spent ... .I called XXXX XXXX XXXX Miles to check whether there was a credit made of XXXX miles, they informed me " no '' and that I needed to follow up with my credit card people. I called Citicard and was sadly informed that I was n't qualify for such promotion since I previously had an account with them and that I needed to wait 18 months. 
If this is true, Citicard should not have falsely approved me for a credit card I was led to believe to receive. There was completely no misunderstanding on my part due to the fact that I wound not have applied for a credit card that did not offer me any mileage bonus. I am very aware of such things and I strongly feel that due to no fault of mine, Citicard should do what is right and honor their promotion that I was approved for. I have always been a good customer of Citicard and have always paid my debt in full with no delays. I sincerely hope Citicard will reconsider their decision and award the XXXX bonus miles promised me. 

Sincerely, XXXX XXXXVery Dissappointed CustomerSent from my iPad

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I found a lost XXXX Chase Visa debit card on XXXX XXXX in XXXX, California ( XXXX XXXX of XXXX XXXX ) while riding my bicycle on the afternoon of Saturday, XXXX XXXX, 2016. The card was on the side of the road. The card looked relatively new and clean. The card is now in my possession. 

On the morning of Sunday, XXXX XXXX, 2016, at about XXXX PST, I phoned the telephone number on the back of the debit card to report that I had found it. I phoned XXXX. I spoke to a woman named XXXX in the call center. XXXX told me that the card would be " closed. '' I asked XXXX to please notify the card owner, whose name " XXXX XXXX XXXX '' of account number " XXXX XXXX XXXX XXXX '' with expiration date of " XXXX '' was printed on the card. XXXX said that she was not required to take such action. I explained that it 's possible that the debit card owner does not know the card account number and therefore might not know how to reclaim any funds on the card. I also told XXXX that it 's possible that more than XXXX card might exist for this account, so closing the account might cause inconvenience. I again asked that XXXX Chase Visa debit card operations inform the account owner of the lost card. XXXX replied that all I needed to do was to cut up and discard the pieces of the debit card. I repeated my request that debit card company contact the card owner. She said that XXXX other action that I could take is to take the lost debit card into a local Chase bank branch and ask that bank branch to try to track down the card owner " XXXX XXXX XXXX. '' I then asked XXXX to tell me the procedures in place for reporting lost debit cards and informing the account owner. XXXX said that the procedure was just as she had reported to me. Then I said that I needed to report this to the Consumer Financial Protection Bureau so that the XXXX Chase Visa debit card " lost card '' procedures and policies could be re-examined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: AL
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 car payment was paid off and it shows we were late. When the car was traded in we werent late on the Payment. The company sais they would fix my score but they havent. Its been over a year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit systems There are XXXX  accounts with this collection agency 15 U.S.C. 1681 section 602 A. States I have to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer re
porting agency can not furnish a account without my written consent.

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 2016-07-01
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was in a car accident on XXXX/XXXX/16. Several days after I was finally discharged from the hospital I got a call from Bay Area Credit Service ( unsure of what date due to injuries ) trying to verbally collect debt on my ambulance ride XXXX $ XXXX XXXX. I received no bill from the ambulance company and I did not receive any written notices from Bay Area Credit Service about the said debt. I was aggressively told I should just pay right now over the phone. I told them no that my insurance should cover the bill and gave my insurance information. 

They called approximately a month later XXXX/XXXX/16 ( I still have not received a bill or notice of any kind in the mail and they have my address ) and said my insurance covered some of it but I owe around {$50.00} plus interest which comes out to {$95.00}. I told the caller XXXX XXXX that I never received the bill or any notice and once again he insisted I pay now over the phone via credit card. I told him that I need the paper bill to send to my lawyer ( who is handling any and all matters related to my car accident ) and I would not be paying over the phone without the paper bill. He insisted I pay him over the phone again and I repeated myself that I needed to have the paper bill and that I never even got a bill at any point from any company. He then in a threatening tone said " Do you really want to get your lawyer involved in this? For {$94.00} dollars? '' And I responded with yes. Then he took my lawyer 's information and gave me a verbal breakdown of the charges. I then asked again if he would be sending the paper bill. His response was essentially a " maybe '' and that he could put in the request ( which sounded very much like a no especially in the way he said it and how he repeated himself ). He also quickly said something about me actually never getting a bill or that it was my fault I did n't get the bill but then he quickly changed the subject and asked me to repeat my address. They first called me XXXX, talk about preying on the vulnerable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I never resided at the address on on XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The address on XXXX XXXX is the address used by someone who stole my identity and the address on XXXX XXXX is a typo.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: CURO Intermediate Holdings
State: TX
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:
On XXXX a dispute and request for validation letter was delivered to the company via USPS certified Mail # XXXX. Reviewed my credit report 45 days later which showed the reporting of my account as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This situation is a cryptocurrency problem on the website Coinbase. About 3 months ago, I accidently sent Tron ( TRX ) to my ETH Coinbase wallet. They do no support the exchange, but refuse to send the private keys and return the money to the original exchange I sent from ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Account # 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 2016-02-25
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Frederick J Hanna and Associates has filed a lawsuit in conjunction with XXXX XXXX to collect on a debt that they are unable to substantiate. They are attempting to collect almost double the amount that the original creditor specified. Furthermore, they have not submitted any business records related to this account. They are relying on third party affidavits and a general bill of sale with no identifying information. These are tactics that the Hanna firm was recently cited for by the CFPB. It seems to be business as usual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters, However, I need these laws applied to my report or I will take legal action. 
15 US code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U, S code 1692k civil liability

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 2021-02-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am the Trustee of an account at JPMorgan Chase Bank. On XX/XX/XXXX the funds were set to NYS Unclaimed Funds. I moved my office and did not receive the notice that the funds were sent to the state. During a search for unclaimed funds on this client I saw that the Trust funds in the amount of {$69000.00} were listed on the state website. I requested the funds from NYS and they are unable to locate the funds. They sent me a letter telling me I needed to contact the bank for further information and included a Claim Information Affidavit for the bank to fill out regarding when the monies were sent to the state. In XXXX of XXXX I called JPMorgan Chase and spoke to the Unclaimed Funds department. They were not able to help me. They referred me to the Escheatment Department ; they were not able to help me. I sent a letter to the Escheatment Department with a Abandoned Account Notice and a bank statement. I did not get a response to my letter. On XX/XX/XXXX I went to the Chase branch where I opened the account and after being with the banker for over two hours they were not able to locate any information about the funds. The banker scanned a copy of the bank statement showing when the funds were transferred out of the account to the state and also the Claim Information Affidavit. They were emailed to someone within Chase. We have not heard back from Chase regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Claimed my debt is XXXX dollars when in fact my debt was closed by the credit card company at XXXX. Pressured me into paying with 5 hours or they were taking me to court and putting a judgement on my credit report. I expressed to them I had no knowledge of the debt and today was the first I 've heard of such debt. They refused to disclose any information regarding the debt. Statements and also gave me wrong dates as to when the credit card was opened and closed. Making me think this debt was newer than it actually was. Told email I would n't be able to take out a mortgage loan if I did n't pay today. I called chase bank and verified all information which was wromg. They told me they were authorized by chase bank to pull my credit report but chase bank told me that they can not do that. They illegally obtained a copy of my credit report and used it against me.i felt bullied and pushed into a corner. I would have paid this bogus debt if it was n't for my gut instinct. ATTACHED you will fined the final bank statement from. CHASE bank with the original close debt.

Company response to consumer: Closed with explanation