BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-28
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Trying to reach a solution, Mr Cooper is offering 3 options when our pandemic forebearance ends XXXX-lump sum payment, short sale, deed in lieu. These are not acceptable. Our loan trustee is XXXX XXXX XXXX XXXX and investor is XXXX XXXX. Can the missed payments be moved to end of the loan? Do any other options exist?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. I'm now opting out any and all authorizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802.

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 2022-12-05
Company: Experian Information Solutions Inc.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : XXXX XXXX, XXXX 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 XXXX 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 explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

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. 

Account name : 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 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 explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX, On my Experian credit report, it still shows an old address reporting on my credit report. This old address is listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have not lived at this address for over XXXX XXXX  and I would like this address to be completely removed from my credit report. Also, there is a bankruptcy still reporting on my credit report on Experian. It has far exceeded the reporting timeframe and should be removed as well. Also, there is a secured XXXXXXXX XXXX XXXX thats being reported on my credit report. At the time when his account was originally opened, I gave a {$200.00} security deposit. Since the account has been charged-off, its still reporting a balance of {$210.00}. However, XXXX credit card kept my security deposit of {$200.00} so theoretically my balance to only be {$18.00} not {$210.00} which is completely 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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This company continues to violate my consumer rights by reporting inaccurate information even when i asked the for there procedures and proof.

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 2023-05-07
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got notification from XXXX XXXX that they have taken over a charge off loan from AFFIRM of XXXX ( loan ID # XXXX ). supposedly taken in XXXX either XXXX XXXX is fraudulent and/or this debt was charged fraudulently. 
1 ) I have NEVER opened an affirm acct.

2 ) I have NEVER CHARGED anything through AFFIRM 3 ) This was charged back in XXXX and I have NEVER received ANY NOTIFICATIONS from Affirm until now in XXXX which came with the documents sent by XXXX XXXX. The purported documents sent by Affirm through XXXX XXXX have no dates, address or any other identifying information to verify that this is indeed from Affirm. 
4 ) These billing documents supposedly sent to me I NEVER received. This is the first I am seeing them, again 2 years later, from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX REMOVE OTHER NAME ON MY CREDIT REPORT I ONLY GO BY XXXX XXXX ', PLEASE REMOVE ADDRESS I LIVE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TEXAS, 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 2018-05-24
Company: Rossman & Co & PCB
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company, PCB called from XXXX, in an effort to collect on a debt owed to XXXX XX/XX/XXXX XXXX in XXXX, OH. My daughter had suffered an accident in the Fall and at the time her mother was handling the medical bills, as was our agreement in our parenting plan. Her mother died in XX/XX/XXXX, and I have been slowly learning of and resolving the outstanding medical debts. 

Over the last month I have already resolved over {$1100.00} of outstanding bills, including {$750.00} just earlier this week. On Thursday, XX/XX/XXXX, at XXXX XXXX  I received a call from PCB while I was on my way to work ( I work second shift for a State agency that manages XXXX broadcasts in the State of Ohio ). The caller informed me she was calling to resolve a bill owed to XXXX XXXX XXXX. I informed her that I was driving and could not resolve the issue at that time. The caller told me that she would mark that down as a refusal to pay. I told her I wasn't refusing to pay, I just could not retrieve my payment method at that time.The caller informed me she could wait for me to pull over so I could retrieve my Credit Card. I informed her I was on the freeway and could not pull over at that time. The caller informed me she would wait. I said fine and continued to drive. About a minute later she asked if I was ready. I informed her that I was not, that I was still on the freeway. She again said that she would mark it as a refusal to pay. 

Once I was at a safe place to park, I contacted XXXX XXXX XXXX myself and took care of the balance directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
Regardless of the multiple written requests, the unverified public record listed below is still reporting on my Transunion credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 


XXXX XXXX XXXX Date Filed/Reported : XX/XX/2016 Reference # : 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 2020-11-10
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Currently due to pandemic my income became short and going through financial challenges, and becoming XXXX XXXX positive. I have add credit cards with Jpmorgan Chase bank for years and never been 30 days past due. However this time I was reported negative for {$32.00} and I have called to make a dispute as courtesy which they are unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/2018 received a call from Navient that my student loans were in default : I explained that my student loans were in deferment. Navient stated as of two days before XX/XX/2018, it came across their desk that it was turned over to them in default. I explained that I haven't received anything stating my loans were no longer in deferment : Navient stated loans were in default and interest has been accruing and demand I pay something. Navient also stated the amount was {$250000.00} which is incorrect because one letter states I owe XXXX. Navient also contacted my children for my information. I also just received a letter stating my wages will be garnished by the IRS. They are not even trying to work with me to find out why my loans, all of sudden are in default and why are the amounts incorrect with added massive fees. I also checked the student loan databases and Navient has added these incorrect amounts to my student loans which are very confusing. That is not the amount I owe after I left school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Account Control Technology, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX, I attended XXXX XXXX  and left early due being mislead by the program. In XXXX, I filed Student Borrower 's Defense with the Federal Government against XXXX XXXX  to have my student loans that I received from XXXX to be discharged due to their misrepresentation of the school. 
In XX/XX/XXXX, I received notification that Account Control Technology was added to my credit report as a collection. I was never notified from Account Control Technology so that I could dispute the debt or request debt validation. This debt is also from XXXX, and they have re-aged the debt to reflect opened as of XX/XX/XXXX Account Control Technology stated that they were sent over information from XXXX regarding a mailing address that they mailed all correspondence to. When I attended XXXX XXXX, I always received correspondence through email because that was my preferred method of communication. I NEVER received any mail through the physical address because we NEVER received mail at this location, we always received mail at our po box . When I called today, XX/XX/XXXX, a representative told me that it did not matter when I submit a dispute on the account. I informed the representative that evidently it does matter when I dispute the account, because since I was never given the 30 days to dispute the account that now it is on my credit report. When I called this company, I I went over the issues pertaining to them illegally placing this on my credit report without properly giving me the chance to respond. When I requested the copies of the correspondence to which they claim they sent to the wrong address, they have failed to do so.

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 2022-03-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase was already sued for re-ordering transactions. I've mentioned it before and when I have, they reverse the charges ( generally ). I also have alerts for low balance and overdrafts on the account. 

On the morning of XXXX, I received an alert that I had an overdraft. The night before, there were no pending transactions of any kind to let me know the account would be overdrawn. I did not get an alert that my balance was low or that a transaction would process the night before. I checked it that evening and after midnight. 

The next morning, I saw an overdraft that appeared to have been done ( as all other overdrafts, with the largest item coming out, then the smaller one coming out after that, to cause 2 overdrafts instead of one. For one person, it may not be a big deal but I am certain that they make billions doing this, and I know they have been sued and settled for doing the same thing in the past, and they still continue to do it. The amounts were {$170.00} and {$15.00}. They have a policy that an overdraft of less than {$50.00} I believe will not charge a fee, but I believe they took out the {$170.00} item first so that the {$15.00} item would result in an overdraft. 

They will of course deny this, and they don't let you take screenshots of pending transactions so you can't ever prove it unless you use another device to take a photo or do an online screenshot, which is what I have done in the past when I called them out for re-ordering. They claim that they do it because the larger items are probably more important, but that would only make sense if the smaller items didn't also get paid, too. They have pretty much always returned the funds, because this is a known practice and they apparently did not make any changes after the last settlement. 

More needs to be done to protect people from these practices. I had the money to cover it, thankfully, but they keep taking {$34.00} from all of their customers for doing this and end up making a lot of money as a result. They should be required to tell you if an item is processing. There's no way that they don't see that from their side before it shows up the following morning as processed. They also should have to process payments in the order that they come in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-19
Company: Experian Information Solutions 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:
In Accordance With the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Account : XXXX XXXXXXXX Account Number : XXXX Account : XXXXXXXX XXXX  Account Number : XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXXXXXX XXXX Account Number : XXXX Account : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX XXXX5 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 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 if 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 the 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 explanation
Consumer complaint received 2021-11-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
This week I contacted XXXX  multiple times over chat and phone to ask for help. No one has been able to assist. I has disputed transactions that I reported and the company canceled the card. They issued a replacement. It takes 7 to 10 business days for the card to reach me according to Wisely. They did not offer at first to expedite the replacement. I got paid on XXXX and I can not access it in this account without the replacement. I can't move the $ through XXXX. My pay is entirely stuck. I have bills to pay and travel next week for work. When I got to speak to a manager yesterday XXXX, he offered to send a card via 2 business day shipping but said I would have to pay for it. I refused and asked for additional assistance and he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX at XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ca XXXX Has been sending me collection notices in the amount of XXXX.The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company.This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Information belongs to someone else

Complaint:
I am doing a submission of complaint today for 12th time as a follow up regarding the dispute the fraudulent items on my credit record. I insist immediate removal of these items from my credit reports. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), it is the duty of the credit bureaus to ensure the accuracy of the information they furnish. Once again, these fraudulent items are evidently inaccurate and are detrimentally affecting my creditworthiness. And I have already provided all necessary documentation to establish the fraudulent nature of these items. I even have formally requested the responsible creditors to investigate these fraudulent items and REMOVE them from my credit reports. I once again demand to the XXXX, XXXX and TransUnion Credit Bureaus to remove these fraudulent items from my credit report expeditely, and provide me with a written confirmation of the removal : 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 non-monetary relief
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: KY
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 XXXX XXXX am a victim of Identity theft. XXXX XXXX XXXX Reprted fraudulent accounts to my credit report. I ask that this fraudulent accounts be removed immediately.

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