BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent money to a friend using XXXX through Chase. I entered my friend 's name and phone number. He had never used XXXX before so he went to his bank ( XXXX XXXX XXXX ) to ask how he could receive it. He was told he could not because be did not have a personal account, only a business account. When I went back to cancel the request I saw that the transfer was completed. Now, XXXX wants you to make a claim through the bank, not directly through them. I did just that and was told there is nothing they can do because XXXX does not check the recipient 's name, only the phone number or email. Since I used my friend 's phone number and he is not registered with XXXX, the amount was aparently deposited in an account tied to that phone number before it belonged to my friend. I was told there is nothing XXXX can do to recover my money even though I sent it to the right person and the right phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, my husband and I caught XXXX. He was out of work for about three weeks and didnt receive a paycheck for a month. We fell behind on our mortgage. We contacted our mortgage company ( XXXX ) to let them know. We thought they would be understanding and willing to help. They were horrible! Asked all of kinds of personal questions as well as told us we had to pay it and there are no other options pretty much. They had one option to that they put us in which was their assistance program. We had to wait a month before they gave us an answer. After they month, we received a decision. They denied it because they stated they felt like we could pay it. How can you pay off youre 2 months behind and payments are steady coming in. I know that since Covid, lots of programs have been in place to help them in times such as this. We didnt ask for XXXX. It just happened and our mortgage company was the worst company that we dealt with. Everyone else weee very helpful and deferred our payments so we could easily catch up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: SYNCHRONY FINANCIAL
State: NC
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:
I need validation ( Not Verification ) I need a copy of when I sent your company a written permissible purpose to validate the inquire and please provide a Audit Trail. 15usc1681b Thanks

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 2022-12-02
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: Information belongs to someone else

Complaint:
I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Experian doesnt have any fear of neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts ASAP : 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 2022-10-20
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in full with the original company, XXXX XXXX, on XX/XX/XXXX. I have attached proof from XXXX XXXX that the account now has a zero balance, and that the amount Helvey & Associates is claiming I owe on my credit ( {$410.00} ) was paid on XX/XX/XXXX.

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 2023-06-19
Company: Maximus Education, LLC dba Aidvantage
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: Account information incorrect

Complaint:
My student loan balance was {$180000.00}. In XX/XX/XXXX, I received 2 letters stating that my loans were to be discharged. Aidvantage now has my student loans # 1 I did not agree with them that they could have my student loans they were just transferred to them from XXXX XXXX XXXX where I had consolidated them from XXXX in XXXX of XXXX. In XXXX {$78000.00} of my student loans went from Aidvantage to XXXX but my balance with Aidvantage never went down. I called XXXX and Aidvantage numerous times because instead of my balance going down they added the XXXX to my loans with the credit bureaus where my student loan debt went from {$180000.00} to {$260000.00}. When speaking to Aidvantage I was told not to worry about it and that it would be deleted when XXXX discharged it from their end. There are no records in either XXXX or Aidvantage as to what they are doing with any of my accounts. Aidvantage has not subtracted the amount that XXXX has discharged and they have taken more from Aidvantage. I was refused a mortgage for a home loan due to their failure to discharge my loans and adding debt when it was to be subtracted. They have lied to me numerous times when I have called and disregarded the fact they have ruined my credit with their fraudulent behavior. They have killed my credit score and I am prepared to move forward with a lawsuit if this issue is not resolved within 7 days ( XX/XX/XXXX ) of the filing of this complaint. My student loan debt should be under {$100000.00} and I do have all of my paperwork to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Mr. Cooper Group Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
nationstar and XXXX XXXX are in collusion with violating the DODD FRANK ACT AND FCRA 15 USC SECTION 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
we used to live in the apartment, the contract supposed to end by XX/XX/2017, we move out on XX/XX/XXXX and we gave them the notice the same day. The managment told us that we have to pay 1 month rent because we didn't give them 20 days notice, and they refuse to do the move inspection because we didn't give them the 20 days notice. later they send us a letter stating that we owe the money XXXX . 

later they sent that to the collection agency and they explain that the amount is for 1 month rent and the damage that has been done to the apartment. I told them we didn't go over with them they refuse to do the inspection with us where come the amount they charge us. we suppose to do the move out inspection but it didn't happen. then the collection agency start charging and send us the summon that they are suing us. 
I call them today and try to make a payment on XXXX $ they refuse they said I have to pay them XXXX $ because they already file a suit but I checked with the local court there is no lawsuit in my name. We dropped the apartment key on XX/XX/2017, we gave them a notice on XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting 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 submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX OF XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : 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 2019-12-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute with cash app for ATM withdrawals that I did not authorize .I told them the person that did them and that they did not have my permission nor did I ever give my pin number out .The way my Son/grandson got my pin was I used my son 's birthday and birth year but I have changed that now.the transaction I'm talking about is for {$260.00} in XXXX XXXX, I live an hour and half from there and did not authorize this transaction .I 'm sure the other 4 will be denied also and I'm just wondering why or how when I'm a victim here.They said denied with no reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being charged late fees that I should not have accrued because I called in to cancel the card before those late fees were assessed. I am now attempting to resolve the issue with the company, and they are telling me that this will not come off of my credit report no matter what type of arrangement we set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-01-17
Company: Early Warning Services, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I faxed & submitted my first dispute to my consumer report on XX/XX/XXXX to Early Warning Services in order to remove a report my my file. I was told that my issue would be reviewed within 30 days. 

On XX/XX/XXXX, I followed up with Early Warning Services, only to find out that my dispute was not recieved nor resolved. Afterwards, I faxed and submitted my second dispute in regards to the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2023-10-23
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: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2019-04-19
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was contacted by representative from I C Systems on XX/XX/19 claiming to be a representative from XXXX XXXX XXXX. She never mentioned her actual companys name but claimed that I owed {$87.00} to XXXX XXXX XXXX and that once I paid the {$87.00}, the account would be settled and not reported to the credit bureaus. I paid the fees and assumed the account was closed. Two days later I was alerted by XXXX XXXX that the account was reported to the bureaus as delinquent and that I owed {$240.00}. I immediately disputed the negative item on my reports, disputed the {$87.00} payment with my bank as a scam and filed a report with the consumer finance agency. I C systems uses deceptive practices and fraudulent misrepresentation to convince consumers to make payments on accounts to prevent negative credit impacts. DO NOT PAY THIS COMPANY.

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 2022-12-02
Company: EQUIFAX, INC.
State: GA
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:
Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed in my dispute letter? Technically debt is a twofold word, it is any obligation or an alleged obligation and you can't choose both. Equifax Information Services LLC is basically making it an obligation for me to pay on adebt without my direct consent. I XXXX XXXX the consumer never gave Equifax Information Services LLC any written consent to report anything on my consumer report. No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, 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:
Since XXXX  i've been complaining now I feel unheard & ignored. now i'm seeking help from cfpb to get my issues heard. XXXX  have been reporting inaccurate address, inquires, employers and much more. they have been reporting these things without my consent on top of the inaccuracies. this has harmed me for the past 2 years I've been denied for everything I've applied for. I have a child to provided for and i'm limited due to XXXX  reporting inaccurate information & ignoring all of my attempts to notify them of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed unauthorized inquiries on my report which comes from identity theft. I filed a complaint with identity theft.gov and my FTC Identity Theft report reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
SYNBC/JCP Opened in XXXX, sold to another company XXXX. 

I have disputed this directly with SYNBC/JCP as it is beyond the legal time frame and also they have never provided me proof that the debt was actually even mine. According to section 609 of  the FCRA and backed by the the credit bureaus are required to send copy 's of the original documents, which I've never received. The information they are reporting is outdated and can not and has not been verified. 
I have since been in process of buying a home and thought easiest was to get it removed was to just pay it off. I paid it to XXXX XX/XX/XXXX and got it deleted directly with XXXX  XX/XX/XXXX, but I am still having an issue getting the original creditor to delete it from all 3 CBR. I am not reaching out to CFPB for any help possible in this matter. PLEASE HELP ME.

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