BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is against Bank of America NA, XXXX XXXX, XXXX and XXXX XXXX XXXX  for failing to adhere to the Consent Judgment entered against Bank of America in XXXX. With the help of the Consumer Financial Protection Bureau, I received a resolution on my first mortgage because of the consent judgment against XXXX XXXX. Bank of America was supposed to cancel the debt of my second mortgage of over {$35000.00} because of the previous mentioned settlement and the significant drop in my property value. I received a letter from XXXX XXXX in XX/XX/XXXX requesting payment of debt. XXXX assigned this second mortgage on multiple occasions with the last assignment happening in XXXX, well after the creation of the mortgage in XXXX. Back in XXXX Bank of America sent a letter stating that the mortgage was canceled, but now I am aware that a lien still exists on my property. Therefore, Bank of America failed to provide me with relief as required by the consent judgment entered by the United States Department of Justice.

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 2022-02-09
Company: Experian Information Solutions Inc.
State: AZ
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 non-monetary relief
Consumer complaint received 2023-10-26
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Regarding Calvary Portfolio Services, Account # XXXX Good day, Please assist me for I have no where else to turn for Help. This collections account is showing negatively, unlawfully and inaccurate information on my credit report for months now. Ive first reached out to Calvary Portfolio since XX/XX/XXXX of this year when I found out about their existence on my credit report. Since then, Ive been calling Calvary asking for a validation letter, proof thats it is mine, and signed agreement, and still to this day, I have not received anything. Ive even reached out to Citibank. I saw on my credit report they were the original creditor, and asked for the same requested paperwork. They said to call Portfolio, they no longer own the account. Ive then tried XXXX, XXXX and XXXX, and they all kept stating its verified, but with no proof. All three credit reporting agencies have totally different information on this account showing on my credit report, so it doesnt make sense how they can verify the accuracy of this account without my approval, consent, or have any signed document giving the authorization or validating this account is mine.. 
First, its an account I have no signed agreement with and no prior written notice of. I have NEVER received anything ( physical paperwork, or phone call, email, nothing of the kind ) from Calvary or XXXX. Ever. 
Next, Its also an account that shows an address that I have no affiliations with : XXXX XXXX XXXX XXXX XXXX, NY XXXX My address which Ive for over XXXX is listed below. The attachment shows proof of that. 
Also, its marked as a charge off account since XXXX of XXXX, yet the balance continue to increase? That illegal. Legally, once an account is charged off, the balance freezes, but does not continue to accrue. So whoever this account belongs to, hopefully will catch that error as well. 
In addition, upon contacting both Calvary Portfolio and XXXX, the original creditor that sold the account, for validation of this account, including ID verification, its now XXXX months of repeated attempts per my request, but yet, Im still left with no documents from them proving this account is mine. 
Ive attached documents proving the horrible and disgusting means this companys false information is damaging on my credit report for I wish to have this permanently removed from all consumer reporting agencies. 
Im more upset over the fact that Ive tried for months reaching to all consumer reporting agencies, even requesting proof of their verification attempts, yet Im left with nothing, hence my plea to CFPB. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I received a loan from XXXX XXXX in the amount {$350.00}. On XX/XX/XXXX, XXXX had my account was restricted and I couldnt access the account. My Social Security check was deposited on XX/XX/XXXX. XXXX refuses to release my funds which I will have to pay a penalty of {$25.00} per day. I was told it would take XXXX days to process my refund and the account will be permanently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As of right now the following the companies are reporting income to the three top credit reporting agencies XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, Resurgent Capital Services XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Lending Club Income is not part of any of XXXX, XXXX or XXXX credit reports. This needs to stop immediately. According to XXXX 's own web site It states " Your credit history does not include income information. See provided upload. And according to the IRS web site publication 525 and 4681 see provided uploads The IRS clearly makes it known that 1099c is to be considered income. And as such income is not a debt and income can not be reported to the credit reporting agencies. Therefore the six ( 6 ) 1099c 's uploaded along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX, XXXX and XXXX must remove deleted all income from being reported to my credit reports In summary it is abundantly clear by all parties IRS, that cancelled debt 1099C is considered income and according the credit reporting agencies themselves income can not should not and does not get reported to the credit reporting agencies. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I suspect Amex is selling my private information. They allow charges from an unknown merchant that pretends to be XXXX and although I dispute these charges, they post them back on the card and continue to allow the merchant charges go through although its not a merchant I do business with or have ever allowed these charges. Along with this, I get several texts and calls a day from scam merchants like the XXXX Amex is working with, Ive heard terrible things from this bank before but the fact that they wont let me dispute a charge thats clearly fraud leads me to believe they are working together. I literally just wanted to despite this charge Ive never had this merchant, they pretend to be XXXX but all my XXXX payments go through a different card and Ive not authorized this card to be used. They said theyd also waive the membership over the phone and when I tried communicating about it they said thats not true and that was one lie I was told but dont care about due to them not letting me dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/XXXX, Made a final monthly installment payment, prior to this as per contract told the store manager I was buying another car and to come pickup the vehicle to satisfy the title loan as stated in contract. The manager refused, twice and wanted me to drive the vehicle to the store. I explained I could not, it was not reliable and I have a XXXX son of which I couldn't leave unattended. The manager told me to try and sell the vehicle at XXXX XXXX, I tried but they don't buy rebuilt salvage vehicles. Then the manager said to try a third party buyer, they also refused to buy a rebuilt salvage vehicle and valued it at - {$500.00} for XXXX XXXX XXXX ; also tried to trade-in when bought new car, XXXX XXXX said no and quoted same value due to high miles and previous flood damage. Because it was sitting out in visitors parking at apartment complex, not tagged, for weeks awaiting for Title Max to retrieve, was warned it would be towed so I sold it to a junk car company who took it with no title, and towed it away for {$500.00}. That same day I paid about half to the Title Max company and explained to them what I did and why. 
There after they begin calling me numerous times a day, leaving messages, some 40 voicemail even after I requested they send me a mailing per the FCRA, they continued calling and I being made to explain over and over what took place and why. They said they weren't set up to bill by mail thus the numerous calls. 
I took this title loan out in XX/XX/XXXX and paid over the amount of the {$1000.00} borrowed on time until the rebuilt salvaged car broke down and I was told it would cost more to repair that what it was worth it was near XXXX XXXX XXXX. Title Max knew because the title said rebuilt salvaged vehicle. Now they're saying, by mailing I owe them {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The debt was accrued in XXXX. Bankruptcy discharge happened in XX/XX/XXXX. This debt was listed as a discharged debt and was even removed from my credit report. Then on XX/XX/XXXX, this debt collector placed itself as an open collection account, even commented it was a bankruptcy account. This falls under illegal debt collection under bankruptcy protection. This was done in spite to hurt me as a consumer, 5 years after the debt was removed. Section 524 title 11 shows this as a bankruptcy discharge violation and illegal attempts to collect a debt. They had zero reason to place a collection on my credit report and was only done so maliciously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CITY NATIONAL BANK
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
its been a long time it was back in XXXX later they charged me overdraft fees when i wasn't over drawn.as well as amt fees that they said was free. And money taken from from company 's i didn't give concent to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: JPMORGAN CHASE & CO.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX XXXX  I reached out to Chase Auto Finance 's Military Specialist to apply for SCRA benefits as I am needing an early lease termination due to my husband and I being stationed overseas in XXXX, XXXX per his military orders until XXXX. ( We are leaving for XXXX on XXXX XXXX XXXX  ). I provided Chase Auto Finance with his military orders which included clearance for me to travel to XXXX with him. I received a letter today XX/XX/XXXX postdated for XX/XX/XXXX in which Chase Auto Finance denied SCRA benefits including early lease termination because my husband is not the primary account holder and we do not reside in a community property state. I phoned Chase Auto Finance to discuss issue and they were unable to help. Their only offer was to go through the civilian early lease termination process which is going to result in about {$6000.00} out-of-pocket expense for my husband and I. Despite discussing the issue with several customer service agents and military specialist agents they were unable to help any further, despite Chase touting it's support of military service members and their families. 

I have always made my payments on-time and in full. I am currently not employed due to being stationed overseas with my spouse and this proves a financial hardship for us. As a military family we face a number of challenges, having issues with our auto leasing company due to being stationed outside the US should be the least of our worries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: Upgrade, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I took out a {$24000.00} loan. I was promised a lower rate if I directly paid off other debt. I used XXXX to pay off a loan with XXXX XXXX. It has now been 2 weeks and they claim the process is to mail a check to lending tree. This was not disclosed i was led to believe that it was ACH .4000 was dispensed to me on the 27th. the XXXX is still in limbo. I am paying interest on both loans as Upstart will do nothing for 15 business days ( 3 weeks ) lending tree is charging me interest and Upgrade is charging me interest and both loans are due in 2 weeks so I have to come with over {$1000.00} for both loans this month plus the extra interest on both loans. I would like at the very least to be reimbursed for the extra interest payments for the almost 19000 that is still sitting Upgrade 's accounts and in none of my accounts and I am paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Nelnet, Inc.
State: TN
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 would like to begin this letter by thanking your company for the many years of great service I experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 



There was a period of time where the world was going through a hardship due to covid. I always tried to my best to get every payment to you on time but there was one payment that was received and reported as 30 days late back in XXXX, XXXX, XXXX of XXXX. Before that hard time and ever since I continued with my timely payments. 



These late payment is extremely damaging to me in a lot of ways, mainly it is hindering from accomplishing other financial goals and my chances to receive a qualification for a mortgage. 
I am asking you and your company for a goodwill request. I have maintained a good paying history with you, with just that one exception and I ask for you to please eliminate the late payment with the credit bureaus by filling out Universal Data Form and faxing it to the credit bureaus that you report to. 



I am pleading with you to honor my request, which would mean so much. Please take into consideration what a good customer I have been. 



Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 



Respectfully yours XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: AR
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 been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} ; Dept Of EdXXXX XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; XXXX XX/XX/2022.

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 2023-05-15
Company: MOHELA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for public loan forgiveness for working in a XXXX XXXX XXXX but Mohela, the loan servicing company says I do not qualify because I do not have 120 payments. Over 4 years ago the loan service provider changed and not because of a request I made. This was not voluntary and I even disagreed. 

Because of the change I only have a few years of payments with Mohela but for the life of the loan, I definitely have more than 120 if you factor in the qualifying payments I made to the previous company as well. The law for public loan forgiveness says 120 payments and does not say per loan servicing company. I would agree with Mohela if I choose to move the loan but I did not. 

I hope that Mohela reconsiders the decision and allow payments made to the previous loan company so I approved for the public loan forgiveness program, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Three times theyve confused me with someone else. The other person, who MOHELA told me the name of, has applied for Public Loan Forgiveness. That is not me, I have never done that and have no reason to. Their customer service has gone to bosses each time to try and rectify the problem as theyre not just harming me, theyre more importantly harming the person applying for the public loan forgiveness. MOHELA is incompetent. I file this complaint and will call them soon with this complaint on record to try and rectify the problem. Wading through 10 minutes of prompts on the phone, followed by 15 min of waiting, followed by 25 min of someone trying to fix THEIR problem is not how I like to spend my time. Much less doing that three times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: MI
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX  XXXX Balance XXXX {$690.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  XXXX Balance : {$880.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$450.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$690.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation