BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: EQUIFAX, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently disputed negative information on my credit report and didn't get a response back.

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 2023-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked many times for the paperwork to show my personal signature on the documents they sent and portfolio Recovery Associates keep sending paperwork that don't provide my signature. I dispute this multiple times for the same reason and they never provide it to me it was acquired by them but can't provide me documentation showing my signature as proof that it be longs to me I have spent countless hours trying to clear this matter up and they keep sending the same paperwork without my signature on it I want it removed now of my credit report and a code to be put on to not added it back on each time I dispute it they add a new year on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I mailed a dispute letter to Experian and XXXX requesting them to remove unauthorized inquiries, derogatory remarks, and late payments. Many of these accounts fall under the statute of limitation and are misreporting on my credit report. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

Also, how did they complete this investigation?

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 2022-11-07
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$870.00}

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 2023-09-05
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
This is the second time in two months that the TitleMax online payment portal has been down. They offer to take a payment over the phone, but that is not secure, they also say you can come to the store, but that would cost valuable time during the day and gas money. They explicitly offer this online portal and then do not maintain it properly. When unable to make a payment online, that increases the amount of interest that is building up on this loan. Meanwhile nobody is able to answer when the portal will be available and operating. As I stated earlier, this is not a one time occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an accounts at your company. I did not open or authorize these accounts. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On the XXXX, and XXXX my bank account was being robbed for withdraws XXXX  everyday til I noticed. Upon finding out I called my bank and they opened a investigation, about a week ago I received a letter saying that the transaction were authorized which I know theres no way because the withdrawal happened miles away from me and I had my card the whole time so there no way of that being possible. Before finding out of this I wasted the money they had accredited to me since i knew I was innocent and believed I would get my money back and now I have no way of paying them back

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 2020-02-08
Company: JPMORGAN CHASE & CO.
State: MA
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 customer service

Complaint:
In its response to my previous complaint to CFPB, Chase said " there are instances when we will still need to speak with you '' referring to the fact that Chase requires a customer to communicate via the use of vocal chords in order to receive certain services from Chase that Chase offers to the general public. 

Chase terms and condition is the service do not mention that there is a requirement for consumers to be able to communicate with Chase via the use of telephone in order to receive the service that Chase advertises. I would like to know which services going forward Chase will not be able to provide to me due to the fact that I am not communicating with Chase via the use of a telephone. 

Chase needs to explicitly inform consumers about the requirements that it has for consumer 's ability to communicate with Chase representatives. Specifically Chase needs to specify in its terms of service the modes of communication that Chase requires its customers to have ability to participate in, the length of time for which Chase expects its customers to have the ability to maintain a continuous communication session with Chase representatives, and the requirements for pauses that a customer is allowed to have during any communication sessions with Chase representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since acquiring my loan late XXXX, Mr. Cooper has misapplied regular payments as " Additional Principal Payments '' repeatedly and then marked the month the payment was intended for as " late '' and tacked on fees. Part of this issue seems to stem from the automatic payment for the XXXX of the month arriving early and Mr Cooper 's system simply can not handle receiving early payments ( I've even be asked to send payments in after the due date to avoid this issue ). 
This has previously impacted my credit score as XXXX XXXX system reported me delinquent even though they had received ALL payments in a timely fashion and I was actually being reported delinquent for paying them one time or a little early ( one or two days prior to payment due date ). 
This has been an ongoing issue with Mr Cooper staring on XX/XX/XXXX when they misapplied my XX/XX/XXXX payment as extra principal instead of the XXXX payment and then marked XXXX as late. I continually have to monitor this account to avoid being reported to the credit bureau 's again due to Mr Cooper 's negligence in handling my account. 
Why am I being told to pay my mortgage after the due date to avoid late fees? So I have to pay late to avoid late fees? It's a terrible way to do business and after 3 years I'd think Mr Cooper would have enhanced their system by now to recognize an early payment. 

I'm attaching the history Mr Cooper recently sent showing how they have mangled this account making it extremely difficult to figure out just what it is they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have spoken with the company ALLY regarding GAP insurance on my vehicle that was deemed a total loss on at least XXXX different occasions. And each occasion I was told that I did not submit the required documentation in order to proceed with the process. After submitting the same documents 8 times, now I am being informed that those documents aren't good enough. I am very frustrated and irritated with this entire process. The company ALLY does not want to pay out bottom line.

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 2023-07-06
Company: TrueAccord Corp.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Emails dated XX/XX/XXXX and XX/XX/XXXX from TrueAccord Corp. stating that I owe them a debt for {$440.00} and asking for a Credit Card. The Alleged Original Creditor was XXXX XXXX XXXX, who previously charged off the alleged debt via XXXX with the IRS and reported it as income. XXXX XXXX XXXX bought my charged off debt for XXXX on the XXXX  from the Original Creditor XXXX XXXX XXXX, and supposedly assigned the collection of the Charged Off Debt that was purchased for XXXX  on the XXXX  to TrueAccord Corp who is looking for the Original Amount of the Charged Off Debt in the Name of the Original Creditor XXXX XXXX XXXX. Whom I have mentioned previously CHARGED OFF THE DEBT with the IRS via XXXX forms!!!!!! I have no contract with TrueAccord Corp nor XXXX XXXX XXXX. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I donot know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). They are offering 40 % off the alleged debt along with their symbol which is a violation of 15 USC 1692b ( 5 ). They are threatening me with harmful action towards well-being via credit report which is a violation of 15 USC 1692d ( 1 ). By them even communicating with credit agencies is a violation of my privacy per the Privacy Act of 1974. Let it be known that it is a fact the Original Creditor XXXX XXXX XXXX has committed Securities fraud by selling notes of consumers via their Social Security Numbers via Irrevocable Assignments. Was this apart of the original service agreement with XXXX for XXXX XXXX XXXX. We all know the Note is the Application, which is Self Liquidating Paper with an XXXX Attached with a Blank Endorsement for Special Deposit. We the People Gave NO Such Consent to these hidden back door deals off the backs of our social SECURITY numbers. I also believe no such evidence Exists! I have taken the liberty to attach XXXX XXXX SEC Documents detailing assignment of Notes where the Tax ID or Social Security Number and Name and Address of the Assignee is listed. So now you as a third party interloper are now apart of the fracas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I will like this account removed from my credit because I didn't give any written consent to a company or a credit bureaus, which refers to code ( 15 USC 1681B 35 ) this is a form of identity theft and I want this removed ASAP please and thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I deposited # XXXX into the drive up atm at XXXX XXXX. I received an error code that I needed to call the bank. I did and was transferred by an agent to speak to the claims dept. Was on hold for one hour then the phone hung up. I called the next day but was closed due to holiday. I called XX/XX/XXXX and put in a report. Was told I will receive a temporary credit til the investigation starts. Agent said I would see the funds in 2 hours. No fund where there. Called back today XX/XX/XXXX and agent said it is being further investigated and can take up to 45days before I get my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/21 I mailed the paper request form from XXXX requesting my credit reports from Equifax, XXXX, and XXXX. I never received my Equifax report, and they have had sufficient time to get it to me ( more than 40 days ) even with mail delays during the pandemic. My paper request form was received by the processing center on or before XX/XX/21 as I received reports from XXXX  and XXXX, both dated that day. I have received NO communication from Equifax. 

On XX/XX/21 I called Equifax to try and get this resolved, but was unable to reach a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2022-03-08
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Dates of contact : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Methods of contact : letters and phone calls. 

I made payments to two loan servicers : AES and Fedloan. I made 37 payments to AES from XXXX. During those years, I contacted AES numerous times about PSLF and income-based repayment. AES repeatedly told me that I did not qualify for either or that my loans were not the correct loans for PSLF. AES also told me that I had no other options. There was no information on their website about PSLF at that time. I was just starting my teaching career and was substituting and working as a paraprofessional. I paid what I could and had to defer my loans during months when I could not meet the payments ( which was often ). 

In XXXX, a coworker told me about Fedloan, and I moved my loans to Fedloan and started my payments all over again. In XXXX, my loan payments were based on my income. My loan payments were zero dollars for a time and then increased with my salary. This was unlike my AES payments which had been substantially more money. During this time, I repeatedly tried to get my AES payments credited toward my PSLF forgiveness without success. In XX/XX/XXXX, contacted Fedloan about the possibility of Temporary Forgiveness to get credit for my AES payments. They reviewed my file for nine months. During this time, I contacted them for updates. I was told, that they were still reviewing my file or I was not going to get my payments credited. In XX/XX/XXXX, I was denied. 

In addition, Fedloan keeps changing the date of my forgiveness eligibility. Their XX/XX/XXXX correspondence shows my estimated eligibility as XX/XX/XXXX, yet their XX/XX/XXXX correspondence shows my estimated eligibility as XXXXa full year later. How can this be happening? When I call Fedloan, I am transferred around and put on hold, but no one will help me resolve this. My loan payments are due to resume in XX/XX/XXXX. 

My loans should be forgiven in accordance with the legislation. I have fulfilled the requirements for PSLF. In addition, I wonder if I even should have had to pay all of that money to AES if they not withheld the information about other options that were indeed available at that time. I have been lied to and strung around for years as I have tried in good faith to get this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 called the bureau to remove inquiries that I did not recognize from my report they refused and proceeded to tell me that the inquiries were correct.. It was also several variations of my name, addresses, and phone numbers that were not mine on the report.

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 2023-07-06
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The last communication I received from the company was on XX/XX/2023, stating that " our review and resolution process may take up to 60 days from the date dispute was initiated. Thank you for your patience and we will respond to you once our research is completed. '' I have now been placed in delinquent status and receiving daily phone calls about a past due bill for a product that I can not use.

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