BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: IL
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Sent letter to Experian on XX/XX/2021 with the only address that should be listed on my credit file. Certified with date of delivery, utility bill and drivers license

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 2023-06-12
Company: EQUIFAX, 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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On or about XXXX XXXX, 2023 my checking account with Chase Bank was unexpectedly closed without any alerts or warnings. My account is also connected to my son 's chase XX/XX/XXXXaccount. My son 's name is XXXX XXXX, XXXX We both went to a chase branch to get some answers on why our accounts were closed. The representative and the manager at the branch told us that they did not know why my account and my son 's XX/XX/XXXXaccounts were closed. They stated that it was not hacked. This is a very difficult painful, frustrating situation to myself and my son. My son is in the process of attending college and he needed to purchase some items with his chase XX/XX/XXXXcard, but when he went to use the card, the account was CLOSED. I have direct deposit for my pay and I also use this account for my E-Z pass and other matters. 

How can Chase just dump someone's account without notice. This has caused substantial injury to myself and my son and we are totally upset and angry that this happened Also be advised that I never received any letters in the mail regarding closing our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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:
I have called XXXX several times regarding this matter, and no one can give me an answer. The last update to my credit report was XX/XX/2022. This loan has been written off due to Public Service Forgiveness. The balance is {$0.00}. 


XXXX Account : XXXX Current Balance : {$0.00} Previous Balance : {$1500.00}

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 2021-07-10
Company: SLM CORPORATION
State: MD
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:
The week on or before XX/XX/2021, I contacted Sallie Mae , Inc., to discuss payment arrangements. I spoke to a lady name XXXX. During the initial call, she asked for my address, which I provided her with my current address as I recently moved. She then asked for my address on file, which is my mothers residence. Subsequently, she verbally said when I call to use that address on file. ( all calls are recorded so this escalation should be able to retrieve ). 

XXXX informed me that my account was almost 60 days late, which I expressed I was having troubles making payments due to my mother losing her job due to COVID-19. I assumed all financial duties to ensure the house was up-to-par and dire bills were paid. Then, XXXX advised I had a few more days to make a payment before it reflected on my credit reports. I agreed with the payments and provided her with my debit card. I also advised that all banking information was connected to my current address and not my previous address. On the day of extraction, no monies came out. I assumed it was a delay. A few days later, I called to inquire and was advised that my payment was not processed because of incorrect address. 

This has now been reflected on my credit report and has caused me to lose over 100 points. I am in the middle of buying my home and have had to pause with my lender because my credit has been negatively impacted. When I did call back, I had the representative extract the monies out the same day as the money was in the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: ERC
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter disputing fraudulent furnishing on my credit report on XX/XX/21 to the three Credit Reporting Agencies ( Experian, XXXX XXXX ). And all three have failed to legally remedy my report and delete the inaccuracies. According to FCRA and 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These agencies also violated my rights by furnishing these late payments without permissible purpose and consent by me, under 15 U.S. Code 1681b.

It has been over 30 days with no response so I have sent a additional letter on XX/XX/21 and have included that also.

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 2023-05-18
Company: Byrider Franchising, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
As of XX/XX/2023 my vehicle was sent to the body shop for repairs. Once the repairs are done, my finance company ( CNAC ) will not sign off on the insurance check because I will not agree to put new parts on the vehicle because it was sold to me without new parts. At this time they are holding my car and the insurance check issued to me. I will not put new parts on the vehicle as it was sold to me with damage to the bumper ( approx. 2 inches of the top left corner of bumper on passenger side was already not attached, also the paint under the front vehicle tag was already peeling ). I feel as they are trying to make the insurance company pay for replacement parts because they are paying for it and they didn't put on replacement parts before selling me the vehicle. I would like the company held liable for fraudulent information and unethical practices with the customer ( Me ). I fixed the retainer clip and replaced the headlight as what was damaged and they are making more items just so the other persons insurance company can pay for it. 
Also the body shop has already done the work and CNAC finance company XXXX XXXX XXXX XXXX XXXX doesn't want to pay them for the work they've done. they are applying alot of shady practices. All involved is the General manager for XXXX XXXX JD Byrider location, XXXX XXXX XXXXaccount rep, also XXXX - Account mgr. 
I was informed by the insurance company that it was my decision where to get the repairs done and if the repairs are done and CNAC/JD Byrider is not following those guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RADIUS GLOBAL SOLUTION # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification. 

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA. 

Please retreat this account from collections and remove it from my credit report, if you have not already done so. 

According to HIPAA, you have no permissible business reason to supply a third party collection agency any information regarding myself or my medical history due to no money being owed. I have no desire to cause you unnecessary difficulty, however this unnecessary negative information reporting on my credit profile is beyond damaging. 

Once I receive the response from the credit reporting agencies and if the account HAS NOT been deleted, I will be forced to take action to protect my rights as a consumer under HIPAA, FCRA and FACTA rules and regulations. Rather than through what would undoubtedly be a hassle for both you and I, please do as you have been instructed and what is right according to HIPAA requirements. While, I would rather handle this between you and myself, I am prepared to do what needs to be done to protect 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 explanation
Consumer complaint received 2023-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This credit card was opened in XXXX as a secured card to help build credit history. It had a {$200.00} limit. While traveling to XXXX XXXX, I had stayed at a hotel and ordered room service. The food arrived raw, so I reported to the manager that I would like to send the food back and requested a refund. The manager assured me she would take care of it. When I got back from my trip, I noticed after a week or so the refund was not made so I called the hotel and they told me that the manager I spoke to no longer worked at that location -- apparently that was her last day and she had transferred to another hotel in another city. They said they would look into and get back to me. I then decided to call the credit card company to explain to them that this was an incorrect charge that should have been refunded, they also said they would look into this and get back to me. When I got my credit card bill I noticed they had charged me late fees, so I called them back and explained what was going on and they said they would investigate and get back to me. The next bill came and now they were trying to charge me over {$500.00} on late fees for less than {$200.00} that should have been removed/refunded months ago. Unfortunately, my father had passed away around this time and I was not able to follow-up continuously, the next letter was informing me that the account had been charged off ( I had been previously waiting for them to correct the charges and adjust the fees ) and now a third-party collection company -- PORTFOLIO RECOVERY -- was holding the debt and I had to speak to them directly. I sent letters to them and the credit bureaus again disputing the charges and explaining why this should have never happened, yet XXXX years later they continue to be the ONLY delinquent/derogatory mark on my credit report and keeping me from being able to build my credit that I now need for serious medical emergency. Could you please have this removed my credit report and have my name/credit reinstated as it should reflect given the circumstances. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
VA home loan first with XXXX then NationstsNationstar, Mr Cooper and current Rightpath Servicing. I accepted pandemic forbearance XX/XX/XXXX informed XXXX  I wanted to end program since XX/XX/2023 At that time I was in arrears about {$48000.00} however Rightpath has dragged speedy resolution by requests for duplicate docs that current I'm {$74000.00} mortgage arrears. I entered forbearance because of financial hardship having got sick with XXXX. Also because Rightpath reps over phone said my past due payments would be tacked to current contract but that was a lie I have tried to no avail for months until last week they're now working modification of my VA mortgage. My current rate when went in forbearance is 3.5 % so I thought I would keep it Right now I dunno what is happening and truly feel victimized. I'm a XXXX retired veteran XXXX  years of age ... a revolution is to allow me to keep interest as is on mortgage XXXX contract I'd love of Rightpath would waive the excess arrears they created by delaying process of ending forebearance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have summarized in the previous two comment sections about my involvement and experience with a school, the school closing, and the application and process that I have been through with the clothes school loan discharge process. I have submitted attachments to justify and prove this long and unnecessary process. I can not define in words to express the hurt and suffering this is called to me XXXX, financially, and XXXX. This was a direct impact to my XXXX, to my support for my family, and the opportunities I lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: NY
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 My federal protected consumer rights has been violated under section code 15 usc 1681 I would like all inquiries checked and removed from my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: FREEDOM FINANCIAL NETWORK
State: NY
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/23, I was contacted by Achieve Personal Loans by a representative advising me that I could obtain a better monthly payment rate on my active personal loan by refinancing. During the course of the conversation, the representative did provide me a disclaimer that a hard credit pull was required to provide me with a rate, which I consented to. However, after I consented to the pull, the representative advised me that the only refinance option was one that wouldve raised my monthly payment on a marginally shorter payment term, which is not what I was expecting based on their pitch. I am concerned that the hard credit pull will have a negative impact on my credit score and feel as though I was mislead by the representative for the purposes of paying for a different loan product. Achieve, as the provider of my loan, already had access to my banking information as well as my income, and should have been able to obtain all necessary information regarding my qualifications for refinancing via a soft credit pull versus a hard pull, to determine whether I was eligible for a better rate to refinance at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
A friend asked me to get the Venmo. App so they could send me money. I downloaded the app to my XXXX and to make sure I had it right I sent a request for XXXX dollar to my friend so they could have my account info. I was then notified that XXXX $ had been sent to me. I then linked and verified my bank account and debit card to my Venmo account. I tried to transfer the $ to my XXXX debit card but was unable to. After several attempts I used the help menu and spoke chat to a chat bot who couldn't resolve my problem and referred me to XXXX XXXX : I was then informed that my account had been frozen and I had to wait for a team of supervisors to email me to unfreeze my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-11
Company: ALLY FINANCIAL 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 information incorrect

Complaint:
I have made every single one of my payments on time. Ally misapplied one of my payments on my lease and hit my credit with a late. I called them & it showed as corrected on my account. Then it just happened again last week, despite every payment being made on time. It also shows on my account that I owe a double payment, but that payment isn't due until XXXX, which makes no sense at all. They acknowledge it's wrong, but it has devastated my XXXX  & XXXX  credit score which hasn't been corrected.

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