BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In XXXX of XXXX, my mortgage was sold to LoanCare. I have been trying to make a payment for the month of XXXX and so on Thursday, XX/XX/XXXX, I logged onto the LoanCare website ( as I normally have for the last 2 years ) in an attempt to make a payment. Each time I try, I am able to enter my username and password, however the page does not load. After several failed attempts, I decided to go on XXXX to search for any mention of their site crashing. To my surprise, I came across an article that was released a couple days prior stating that LoanCares website was offline due to a cybersecurity incident. As of today, XX/XX/XXXX, LoanCare has yet to release a public statement about the breach, how they are going to rectify this issue, whats being done, and alternative methods of payment. Since Thursday, XX/XX/XXXX, I have called over 20+ times with no luck in getting a live agent. After doing some additional research, I stumbled upon a XXXX page with close to XXXX customers who are having similar experiences ; Some of which are reporting fraudulent charges or even multiple ACH payments. It is ridiculous that no emails have been sent out, there is no mention of the breach in either media outlets, the website, or email ; Its ridiculous that there is no way to speak to a live agent so that we can pay our mortgages and it is completely ridiculous and unacceptable that no public statement has been made. We need answers!

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 2023-08-11
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Since XX/XX/2022, Jefferson Capital has repeatedly used deceptive, false and misleading practices. They first tried to collect a debt in California even though they were not licensed in the state to properly conduct business. They also threatened to sue me, told me to seek a lawyer and told me the account is being sent to a lawyer but then stated maybe not which they can not make that assumption which would be considered a threat not an action. This company is using shady and harassing business practices and should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I disputed a {$2100.00} collection, I requested that the debt be validated in that request.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My name is 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 reportsno consent is fraud. Please delete the accounts below : 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 2021-07-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collect ing the debt Falsely represent or imply that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person, unless such action is lawful and intended by the debt collector or creditor This debt shall be deleted immediately both Capital One debts shall be deleted the consumer stated that the individual did not respond to debt forcing the individual to accrue fees and interests that subjected the individual to major debt amounts which could have been prevented furthermore in order for the individual to have these items remove the company stated that the individual did not furthermore communicate this information as stated above in the law this is a crime by the business which prevented the individual from payment and forced a debt XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$3900.00}

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 2022-05-01
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: MOHELA
State: CA
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:
To whom it may concern : Im writing in regards to deceptive practices and misinformation and misclassification of the PLSF public service forgiveness program.

Im a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. During my tenure I was informed about the XXXX XXXX when I lost both my parents to XXXX in back to back years going towards XXXX. With the PLSF program in effect at the time. I proceeded to go back and get my degree for that reason. I took out direct federal loans and promptly applied through XXXX XXXX which is now transferred to MOHELA Services Ive provided documentation and recorded it to the services and my certified employer XXXX XXXX XXXX XXXX XXXX Department in regards to the payment of credits that is accounted through the Federal Student Aid website. I continue to be led on to believe I will get the credit towards my PLSF loan forgiveness. The program itself is deceptive even from its inception in XXXX and led people to believe something will occur to help people that sacrificed their lives for the sake of not being directed properly. 


What the Serviicers like XXXX XXXX MOHELA are simply an extension of the Department OF Educations misdirection with its borrowers. Its no wonder there are lawsuits that happening. What they are only trained to do is falsely promote, provide misleading information and deceive people with qualified Federal loans and put their accounts in deferments without the proper approval of the borrowers knowledge to achieve accure loans in interest payments towards the borrowers. Effectively, they are accumulating these loans with interest and selling them off to other lenders or borrowers. 

When borrowers would call they would simply be told they are working on it and to call back in a couple months or make false statements to borrowers about their loans. This has been a practice and problem that has become common for years of abuse towards borrowers about how theyve been treated throughout the years of trying to find out when they would get the credit they deserve for sacrificing their public service duties to the PLSF program. This needs to stop and borrowers need to be able to be aware of these issues and practices that are happening. Im in need of help in this process to properly understand these organizations that continue to mislead the people that dedicated their lives to help others. 

Please feel free to reach out to me in regards to this matter at XXXX. 

Best, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Upgrade, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
My card is with Upgrade Financial. It is a XXXX XXXX. 

Back in XXXX my Bank account was hacked, and as a result Frozen. I have made payments to keep account up to date after Bank gave new account number. 

Upgrade told me they we goong ot reinstate card so long as they got the feed which states that all other accounts were current, which they have been. 

The lied several times in this regard. I have asked for customer manager to call me back but they have not. 

I need the credit privileges as the hacking was not my fault. 

Company fails to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Sequium Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX is charging me a " package that I never seen on tv '' claiming that I purchased the program and cancel withing 30 seconds activation, then a technician came to upgrade and took my own equipment and I call customer service and XXXX XXXX has no idea who was the technician who came to my house, because they said XXXX XXXX hired subcontractors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Consumer Adjustment Company Incorporated
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was a result of identity theft but I was unable to dispute it as both XXXX  and XXXX  verified it as accurate. The debt was then paid through a collection agency in XX/XX/XXXX, as of XX/XX/XXXX the debt is now back on my credit report under a new collection agency even though it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, 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 have submitted several disputes to reporting agencies and i have not been receiving the proper treatment at all. When i call they hang up on me or refuse to send me to the right department to resolve my credit reporting issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received two text messages from Bank of America ( XXXX texted me ) that asked me to verify these two transactions. I get these text from Bank of America all the time, as I have had fraudulent activity in the past, so this is standard for them to text me to verify. 

Bank Of America : Did You Attempt A XXXX Payment For The Amount Of {$4900.00} Reply YES OR NO // REMOVE TO UNENROLL ALERTS Bank Of America XXXX Did You Attempt A XXXX Payment For The Amount Of {$4500.00} Reply YES OR NO // REMOVE TO UNENROLL ALERTS I replied NO and received a phone call right away, per usual, from Bank of America ( XXXX ) called me, which I verified to be the Bank of America customer service number , while speaking to this person. The person representing Bank of America then asked if I was trying to send money to some person. I did not know the name and explained that I did not know this person and I do not verify these transactions. They went on to explain that the money was already on its way to the other persons XXXX XXXX account and that I would have to create an account in order to get the money back. They walked me through a few steps, when I then hesitated to say this doesnt feel right and the person hangs up on me. I have screenshots showing that it looks like I am sending the money back to myself via XXXX at XXXX. When I called Bank of America customer service ( XXXX ) to make the complaint that now I indeed just had fraudulent activity and I am out {$6400.00}, the BoA rep went on to explain that this is spoofing, ha, it happens all the time. You got spoofed. I said, Im sorry, what does that mean and why are you laughing? The rep says spoofing happens ALL the time, its when someone pretends to be a trusted source by using the trusted sources actual phone number. This is what happened here and because it was through XXXX, we are not able to do anything at all or help in any way. We can try to put in the request but Im not sure we will be able to get your money back. The rep was laughing while telling me this. They were not able to get the money back and Im shocked as this is obviously FDIC. Please help!

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 monetary relief
Consumer complaint received 2019-04-30
Company: Fair Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I set-up an account with XXXX XXXX on XX/XX/2019. They charged me a start payment of {$1400.00}. I also have a monthly payment of {$470.00}. They were to send me the registration of the car as part of their service. I have called multiple times since the registration expired on XX/XX/2019 and have been able to get no assistance. I am told each time that the registration department has my request, but noone has looked at it, even with a 6 day guaranteed service level. Now my only choice is to return the vehicle, which I am free to do at any time, but I will be forced to lose the start payment of XXXX. I can not drive the vehicle since XX/XX/2019 and still being charged if I do not return. This is ridiculous and unfair to the consumer and no action being taken on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX XXXX in XX/XX/2018. I identified myself and indicated that I had called to pay my debt. The representative asked for my social security number and I provided it. The representative checked their system and indicated that I owed {$880.00} with the original creditor being XXXX   XXXX XXXX, which matched what had been reported in my credit report I promptly paid it. Today ( XX/XX/18 ) I received a letter from Convergent that stated I now owe {$350.00} to the same original creditor. I do not owe this, it was not reported on my credit report ( I know that reporting is not required by creditors ), it was not previously disclosed to me in any way, and its origin is totally unknown to me. I have paid what they said I owed and I would like the CFPB to please have this company to cease this harrassment.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2016, my car was falsely repossessed. If you review my credit report, I had all on times payments and out the blue the car was taken. I called and tried to rectify and no one could give me answers. Then I was hit with a XXXX debt on my credit. Ive written in complaint after complaint and the amounts keeps changing. Never received a proper response from the company to confirm if the repossession was valid and the amount is wrong based on the original claim. 

Creditor : Credit Acceptance Corporation Acct : 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 2018-12-07
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
After being a Chase Card customer for well over a decade, was offered multiple solicitations for acquiring new credit cards with Chase - all with bonus airline miles and hotel points. Was approved for all ( 3 ) new cards with No annual fee for 1st year. After less than 2 months with payment always paid as agreed, Chase closed all my cards. One of my ( 3 ) approved new cards was never activated but was sent to me.

Chase has done harm to my credit, has charged me an annual fee even though they cancelled my account, failed to credit my points for both airlines and hotel, failed to credit up to {$100.00} for XXXX enrollment and failed to credit airline charge as agreed upon

Company response to consumer: Closed with explanation