BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: DISCOVER BANK
State: IN
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 customer service

Complaint:
Discover it card company asked me to do the ID verification on XXXX. 
I submitted the notarized ID verification form on XXXX. XXXX. I call the company everyday to check if they received the form. Finally, they received on XXXX. 
Normally, the ID verification form review process is XXXX business days. I called multiple times to check if review finished in the past several days. The company didn't send me any e-mail or give me a call to update the status. 
Today, I call them again. They said my ID verification process was failed as they called the notary twice ( XXXX and XXXX ). But she didn't pickup the call. They only call XXXX times for the whole review process. Now, They asked me to re-do the ID verification with a new notary. 
I explained the notary ( XXXX XXXXXXXX XXXX ) is out of office as this week is holiday. If can extend to next week to check with notary. But they rejected and still asked me to re-do the ID verification form. 
I am not sure why Discover it card company insist only call the notary twice for the review process. It's really not a good customer service experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Zions Debt Holdings
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone fraudulently opened a XXXX account under my name and didn't pay the bill. I have an Identity Theft Report # from the FTC : XXXX and I also attached a police report

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 2023-02-12
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 Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 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 2016-12-03
Company: CONDOR CAPITAL CORP
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I took Loan out on XXXX XXXX with Condor capital to purchase a XXXX XXXX. 
It was my understanding that it was a 48-month loan, and my original Payment was {$490.00}. 
The original car was approximately {$22000.00}. I had consistently paid the {$490.00} which was approximately $ XXXX year. Earlier Last year I had a hard ship where I had missed payments, I then made payment arrangements that caused me to pay a lump sum of {$4100.00} which was supposed to be all my back payments with interest and penalties. I then went back to making monthly payments. Then I got a letter, followed by a call that the account had been transferred to XXXX XXXX, and was then said to be in arrears again. In which case I sent via XXXX XXXX {$1200.00}, thinking maybe the original issue was not totally rectified. Again went back to making monthly payments. In XXXX of this year again the company started to say I was in the arrears. However, this time I asked for a statement of account and my original contract which I have yet to receive but they came and repossessed my car XXXX/XXXX/XXXX. 
Before I pay any further I want to know that this is in fact my obligation, and I do not want it to adversely impact my credit. I also now do not have my vehicle and was told that each day they have my car I am going to incur a garage fee. 
I researched the company and see that the original company has a financial Injunction for unfair credit processes in New York. I also, believe that is why they stated they sold the contract to the second company which is now in California, but the name suggest they are clearly affiliated.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-25
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is still reporting this identity theft account under my name and on my credit report. I didnt open this account my identity and information was taken over and have caused me emotional distress and problems of this company dont remove this from my credit report and from under my name I will look into legal ramifications. I been a victim of identity theft. I have attached an FTC identity theft affidavit that I had to file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The XXXX XXXX XXXX XXXX account is reporting past due to the consumer reporting agencies but per 15 U.S. Code 1666b ( a ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

and per 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ) : If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
XXXX XXXX XXXX XXXX failed to mail me a periodic statement and failed to notify me in writing of the furnishment of negative information to my home address that is located on my credit reports and on the billing statements provided. The statements provided are also from the month of XX/XX/2022 ; indicating my home address was the same.

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 2017-03-21
Company: IMMEDIATE RECOVERY GROUP, INC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had thought that my student loans were deferred. I applied for that when I had to take off for family illness. 

I did n't hear anything until I got the paper that they were taking my tax refund. I had no chance to review or dispute or even to make a payment arrangement. 

This puts our financial situation at risk. We needed that return to catch up on bills. 
.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX sent a letter to TransUnion disputing a bankruptcy that is listed in my credit file requesting validation that it belongs to me. 
XXXX received a letter from TransUnion stating that they " verified '' that the bankruptcy and that there would be no change, but did not provide proof used to validate that it belonged to me. 
XXXX sent a letter to the US Bankruptcy Court requesting confirmation of what their procedure is for verifying records to credit reporting agencies. 
XXXX received letter from the the US Bankruptcy Court stating that the Clerk 's Office does not report information to credit agencies. 
TransUnion found this information on third party research and did not get the information they are reporting from the courts as they do not verify information. Therefore the bankruptcy must be removed.

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 2016-04-12
Company: R J Baucum Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have received XXXX voicemails from this company. In XXXX calls, they impersonated an attorney and law enforcement and also indicated that I had committed a crime. They said that the person calling me was an " arbitrator '' and that I had been named " a person of interest in an ongoing investigation. '' The caller also stated XXXX times that my " recorded verbal testimony '' was required in order for the investigation to proceed. In XXXX call, I was also told that if I did not respond soon, the investigation would go on without my input. I would also like to state that the caller has never identified for whom they are calling. If they are calling for me, I do not have any accounts in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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'm reaching out to let the credit bureaus know to knock it off this game they are playing with the banks. i am no fool i am aware the credit bureaus are being monopolized by the banks to dish out higher rates to consumers. i have been closely watching what has been going on with my credit for some time now and i have good information within my credit file reporting to the credit bureaus and yet every time i get close to hitting XXXX i get dropped and i even have a graph supporting my claim that shows score dropping every time i get close to hitting XXXX and every time i check why their is no explanation at all like seen in the image below

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 2017-04-05
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied 3 times and denied 3 times for a loan modification. Each time, the process has taken 6-8 months. I have been working XXXX jobs to try and save my home. The last denial I was told that I made enough but was too far in the arrears. I have sold my house 3 times. 2 out of the 3 times the buyer has pulled out because the short sale process was taking way too long ( we are all aware that it is a longer process ). I truly believe that Ocwen drags out the process - at least in the loan mods - so that you get so far in the arrears, nothing can be done. You speak to a different agent each time. One agent ca n't seam to find documents another agent has received. They are constantly saying that they do n't have documents when we have proof they were sent ( ask my Realtor! ) and they wait for your next phone appointment to tell you what 's needed instead of sending an email beforehand so you can have what 's needed at the next phone appt. I could have been paying something for the last couple of years. My house needs some work which I wo n't do because of the short sale. It 's an emotional roller coaster for me because I have been in limbo forever. They assign you a " Relationship '' manager but you get them maybe 1 out of 7 phone calls.I have been to every NJ State agency, Senators, written to the White House but to no avail. Would n't some payment be better than nothing? This is not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/20 Portfolio Recovery on a collection showing a balance of {$3100.00} added a derogatory remark on my credit report per XXXX XXXX XXXX XXXX monitoring account. Upon further research, this account was transferred / sold and I am no longer responsible for the account. Debtor creditor did not verify this collection after sending a letter on XXXX and another on XX/XX/20. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( collection agency name ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
Dear Regulator, I do not want to renew my CD at maturity. This preference can be mentioned at CD opening account or before maturity. All other banks offer this feature and capability to set renewal preference. 

I have open two CD accounts in 1st of XX/XX/2023, it is keep renewing automatically without my preference. Even customer representative can not change renewal preference, I have to call them one day before maturity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for XXXX  low income internet. I was approved and a few months later we moved. I called XXXX to let them know I was moving my service and a technician came to my new place and installed a regular XXXX internet box with regular XXXX services and I had no idea until I received the bill. I called XXXX  and let them know I had the low income free school internet and no one could ever get this resolved. I want this immediately removed from my credit reports until XXXX  can come up with a better solution. This is not my fault. Even when I called XXXX  to get my service changed they transferred me to the XXXX  access department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-04
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My name is XXXX XXXX and I would like to file a formal complaint.
<P/> XXXX XXXX scammed me into believing they offered a legitimate loan consolidation program by using the official-sounding Obama Student LoanForgiveness program.
<P/>
I immediately started making monthly payments to XXXX XXXX and stopped the payments to my current loan servicer Navient which is one of a select group of companies chosen to service student and parent federal loans for the U.S. Department of Education. They fraudulently accessed my FASA ID by using both my Social Security and Driver 's License Number.
<P/>
I have filed complaints on federal and state levels including with the state of North Carolina Dept. of Justice. The funds have most recently been return.
<P/>
Here is the new problem. My husband and I were looking to purchase a home. After pulling my credit report, the lender informed me that they could not move forward with approving the loan because I had late payments applied to my student loans within the last 6 months. This is due to me paying XXXX instead of Navient.
<P/>
This is devastating to me! I would like to move forward with charges against this company so that they do not do this to anyone else. XXXX continues to represent itself as a Student Loan Forgiveness program and they are not. We will have to wait at least another year before we can begin the home purchasing process again.
<P/>
Please help me stop this fraudulent company hurt someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received AMEX pre paid gift card from work on XX/XX/2023 for {$150.00} USD but after activating it, I am unable to process successful transaction with any merchant - Ive tried XXXX, XXXX, XXXX, and also attempted to add to my XXXX wallet following the instructions AMEX provided but have not been able to get it to accept it and says to contact card issuer and they simply tell me to try again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I call PayPal to confirm account but they said they dont have account. XXXX XXXX XXXX XXXX said someone use my social security open account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
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: Information belongs to someone else

Complaint:
I have had ID theft in the past and an unknown fraudulent inquiry is being reported. This must be removed. 

XXXX XXXX inquiry is not authorized and fraud. 

Attached is FTC report, ID, SOCIAL to ensure this is handled properly. Thank you police report records are already on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit report is showing late payments to XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Letter Sent to my Mom 's Address, not MY address from JEFFERSON CAPITAL SERVICES LLC. stating I owe XXXX XXXX XXXX, which I have no Idea where this debt is coming from in the amount of {$1000.00}. I attempted to call the company JEFFERSON CAPITAL SERVICES they stated they are a debt collector asked me to verify address, however, since the letter was sent to wrong address I don't trust they have the correct person. I asked to verify debt with original copy of contract, they stated they need to verify account. I refuse to release any personal information to this creditor as they can not validate debt. This creditor JEFFERSON CAPITAL does not appear on my credit report and is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have never opted for an escrow account and Freedom Mortgage has now added it without my permission. I have called them numerous times without a response.

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