BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It is JP Morgan Chase credit card. They had doubled my interest per month and I could no longer afford it. My social security checks are deposited there. I fell behind in payments. Accrued extra late fees and interest and paying them back is no longer possible. I have a daughter with XXXX as well. We do not have the money. I called several of their departments to get my lower interest rate restored to no avail. They said it had been " introductory '' for a year. I didn't know this. I regret and apologize for their inconvenience, from my heart.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
violating my consumer rights section FCRA section 611 ( A ) ( 5 ) ( b ) ( ii ) Remove 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 explanation
Consumer complaint received 2023-08-30
Company: Kinum, Inc., Indianapolis, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received notification that collection has been placed on my credit file. This company did not verify the debt belongs to me. This company is in violation of the FCRA reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed a copy of my credit report on XX/XX/2019 and noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: AZ
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 tried to fix this situation with all 3 credit bureaus. I have been a victim of identity fraud my identity has been found on the dark web and XXXX data breach. This has affected me from purchasing a home for my kids and providing a better life. 
According to the ( section code 15 U.S. Code 1681 b Permissible purpose of consumer reports ), violation of consumer privacy act. the law prohibits any fraudulent accounts from being reported on my account I demand immediate removal.

failure to do so i will execute my ( consumer rights code 12 U.S. Code 5533 consumer rights ).

The following account are fraudulent accounts I demand immediate removal. 
XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX Following Inquires were not authorized by me : 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 2021-12-18
Company: Paypal Holdings, Inc
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted PayPal on XX/XX/2021 to ask why an incorrect debit amount is being repeatedly debited from my account. The representative could not answer my question on why the amount is incorrect and why they can not stop the incorrect amount from being debited from my account. I also asked on what dates will the transactions be repeated again and the representative couldn't answer that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Adler Wallach & Associates, Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AWA COLLECTION IS REPORTING A DIFFERENT AMOUNT IN MY CREDIT REPORT EVERY MONTH. BALANCE IS INCONSISTENT. WHY IT IS ALWAYS VERIFIED IF THEY CAN NOT EVEN REPORT AN ACCURATE INFORMATION. THIS IS A VIOLATION! SEE ATTACHED EXAMPLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: OneMain Finance Corporation
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent multiple ftc reports in XXXX XXXX along with id and they refuse to accept it as id and process the ftc reports even after providing personal info

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I purchased a new vehicle in XX/XX/XXXX and financed through XXXX XXXX. 
At the time of purchase, I included a GAP insurance policy. This vehicle was involved in a collision on XX/XX/XXXX and determined to be a total loss. I started the GAP  claim immediately and communicated with all parties. 
I was sent a bill from XXXX XXXX for {$760.00} in XX/XX/XXXX. Working with the GAP  insurance company, we were able to determine that the amount corresponded with the expected prorated refund from the GAP Policy. The dealership, XXXX XXXX XXXX in XXXX had cut a check to the lender for the prorated remainder of our extended warranty, however mistakenly did not include the prorated remainder of the GAP policy. They acknowledged the error and indicated that they would resolve this promptly. 
I was sent another bill from the lender for {$760.00} in XX/XX/XXXX. I communicated directly with XXXX XXXX and explained that this amount was to come from XXXX XXXX XXXX, and indicated that I would follow up from them. 
The COVID-19 pandemic caused some issues, as the finance manager at the Dealership who needed to resolve this started working remotely, and there was apparently a great deal of chaos. I communicated with XXXX XXXX numerous times updating them on the status, and indicating my concern that this could have an impact on my credit. A representative from XXXX XXXX assured me that there was no reason for concern, and told me that it would all be dealt with once the account was paid off. 
The dealership finally paid this amount to the lender in XX/XX/XXXX, leaving a balance of {$34.00}, which I paid immediately. 
The account, now closed, is reporting a charge-off status, and severe delinquency for the amount owed to the lender from the dealership. I have contacted the lender numerous times and they stated that the account was in good standing as far as they're concerned. They advised me that the department that handles these matters does not speak to consumers directly, and further advised me that I should proceed by filing disputes with the three credit agencies. I have taken the latter action, however upon conclusion the delinquency still shows on my credit reports.

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 2022-10-21
Company: Dividend Finance Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This company as the financial arm in partnerships with both XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, sold us a product using a deceptive contract and false promises. They ( together ) approved a significantly large loan in relationship to our debt-to-income ratio. Dividend Financial is an affiliate of XXXX XXXX XXXX XXXX XXXX. 

After the sale, the product ( solar panels ) does not meet the expectations as agreed upon during the sales meeting. The solar company 's person facilitated the loan with XXXX. 

They used electronic paperwork so finding the small details related to the loan was impossible. 

For example, I can not stop payments from being withdrawn from my account. 

They said they finance the equipment, not the solar power, the system is the collateral. 

Offered XXXX deferment but with interest accruing. They didn't mention that when they say they are trying to " help '' Taking advantage of middle-income XXXX veteran and retired XXXX veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding LLC has violated my Consumer rights by illegally attaining my Nonpublic personal information and has furnished my Nonpublic personal information with third party affiliates with is a violation of 15 USC 6802... .Furthermore, this company does not have consent to use my Nonpublic personal information which is Identify Theft, I never signed any contract or have any agreements with LVNV Funding. LVNV does not have the right to furnish a debt with Consumer reporting agencies...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Credit Karma, LLC
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I used my debit card to make a purchase. That purchase was never delivered. I filed a dispute and the dispute was closed in my favor. Credit Karma has verified the dispute was closed in my favor and as of date refuses to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: JPMORGAN CHASE & CO.
State: IA
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:
Chase is telling XXXX the account was closed on XX/XX/XXXX but telling XXXX it was closed on XX/XX/XXXX. Chase is reporting to XXXX that I made payment in XXXX, XXXX, and XXXX of XXXX and then says I was 60 days late in XXXX. How did Chase close my account on 2 separate days? How can I make payment 3 straight months and then the following month be 60 days late?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: NV
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My unemployment is paid via the US Bank relicard and they ( US Bank ) have frozen my account and informed me ( after a phone call from me ) after finding out while checking out at the grocery that i have been randomly chosen due to " a massive fraud investigation " to have to prove my identity not by showing up in person but rather faxing them a copy of my State ID, Social Security card, and 2019 W2 forms in which i reluctantly did only for them then tell me it would be 10-15 days to review what i sent in. After 10-11 days later i checked my card and it was still frozen, my unemployment check went in but i could not take anything out so i called again to be informed that what i sent in ( exactly what they asked for ) was not sufficient, no reason on why just not sufficient and on top of that i was told by US Bank relicard operator that there is know way for them to find out because it was there " offline '' fraud leasion team and there is no way of contacting them. So i recent the papers a second time and waited 10 more days to then be informed that " my paycheck stub was from XX/XX/2019 and they couldn't accept anything older than XX/XX/2019 '' in which i replied that i have not sent them any paycheck stubs i sent my W2 's like they asked. after an absurd amount of time on hold i was told to re fax my w2 's and if they were on file or when they received this 3rd fax my acount would be unlocked within 5 more days. 5 days later i called my account is still locked no one can tell me why, just that they have received my paperwork and there is no further instructions so there hands are tied. I beg of you to please help me in this matter for i have no where else to turn, i have not been able to access any of the only {$1400.00} to my name for over a month and i see no resolve in the near future i have already lost my place to live and will soon be on the street i also have kids than have literally gone without meals do to this. what they are doing should be criminal, this is my unemployment check and they have kidnapped it and are holding for a unpayable, ever changing ransom. I have spoken with the unemployment office and they assured me that this was US Banks doing, not theirs. Thank you for your time and consideration

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2020-07-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As a first time home-buyer, I purchased a house, about 15 years ago, that I was renting. As a young single mother, I was unaware of the home buying process and was a great target for a predatory loan. All of the purchasing processes were handled by the homeowner. She was a realtor and she assured me that the company she was using was one she had used in the past.

The original lender was XXXX XXXX XXXX and it was a variable mortgage, whereas the interest was not suppose to exceed 6 %. Since then the mortgage was sold to another company, Select Portfolio Servicing, and the interest rate has exceeded the 6 %. I have attempted to pay more towards my principal and specifically instructed the funds to go to my principal. When I received my statement, the funds were applied to some erroneous late fees that XXXX XXXX XXXX stated were owed before the mortgage was sold to SPS. In reviewing my 1098 from SPS, I was appalled to see that I have paid {$4400.00} to interest and {$810.00} to principal. In addition, I received a 1098 from XXXX XXXX XXXX stating I, also, paid interest to them in 2019 ( {$750.00} ).XXXXI believe this sort of loan and practice should be reviewed and reversed as it has robbed me, and others like me, the real opportunity of ever actually owning a home. I have struggled over these 15 years to pay my mortgage believing I was moving closer to actually owning it and passing it down to my children. This appears to be a false reality that has been nothing less than a major scam and profit for these mortgage companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 explanation
Consumer complaint received 2021-03-15
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I checked my credit score on my bank app and noticed my credit sore had dropped over 100 points so I investigated and scene it had dropped due to non payment on a loan to Affirm Inc. I then called XXXX XXXX to report my finding. I called XXXX XXXX again on Tuesday XX/XX/XXXX and was instructed to contact Affirm Inc to report the fraud. I called Affirm and reported the false account my information was taken and I was told the issue would be escalated and I would hear from someone in five business days by email. Five days went by I called Affirm Inc again on XX/XX/XXXX and was given case id : XXXX. Affirm did not have any information other than my name associated with account XXXX and in later calls would not give me any information on the account.

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 2021-03-11
Company: United Shore Financial Services, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unfortunately my mortgage is with United Wholesale Mortgage ( " UWM '' ). I have been receiving notices from my home insurance company XXXX saying that UWM has not paid my house insurance premium of {$810.00} out of my escrow account. I spoke with UWM on XX/XX/2021 and advised my insurance company did not receive their payment. They never followed up. I called XXXX who advised me that they have been sending notices to UWM with no response or payment. On XX/XX/2021 I received the attached cancellation letter. I immediately called UWM and spoke with XXXX who asked that I email the cancellation letter to them which I did immediately. On XX/XX/2021 I received the attached email incompetently saying I just provided them with my insurance info that I've had on file for years. UWM fraudulently took {$810.00} from my escrow account and now my home is not insured and I'm out {$810.00}. This company is incompetent and corrupt. This company also refuses to transfer to management as well which is a sure sign of incompetence.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX Account # XXXX, Account Name : 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 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 or 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