BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-15
Company: Riverwalk Financial Corporation
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the number I found on my credit report and it just played music for  XXXX  minutes.  ( Collection to Deville Management  #  XXXX  {$1800.00}  XXXX  ) I have no record of this debt. I have no idea where it came from or what it 's for. I can not contact anyone to find out more information.     I have no documentation to send you, because I 've never received any.

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 2023-11-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: ND
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Purchased camper on XX/XX/2023 and BMO Bank NA funded the loan on XX/XX/2023. First payment of XXXX was due on XX/XX/2023, we paid XXXX on XX/XX/2023, whole amount was applied to interest only. Next payment was due XX/XX/2023 and we again paid XXXX on XX/XX/2023 and whole amount was applied to interest only, even though additional was paid per the truth in lending disclosure and payment coupon book received by BMO. Spoke with customer care and they denied me to pay any principal of the loan. They refused to give me any information on the loan and transaction history as well. Paid another XXXX on XX/XX/2023 and that was applied to interest only as well. They will not authorize any of money paid by us to be paid towards principal with no explanation as to why. We will never be able to touch the principal of this loan at this rate with interest accruing and no principal being paid and we have paid a total of XXXX only towards interest as of today per BMO. BMO has charged interest before the loan was funded and refusing to apply any portion of any payments to principal. I have called repeatedly to customer call center with no answers or corrections.

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 2017-05-15
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Navy Federal Credit i s reporting a $  XXXX  {$150000.00} charge-off on my credit reports for an equity loan which was foreclosed on in  XXXX . I 've sent them a letter on  XXXX   XXXX ,  XXXX  ( received by them on  XXXX   XXXX  ) seeking substantiation of this debt of which I 've not received a response.  Navy Federal c ontinued to pursue foreclosure of our home in  XXXX  despite several attempts by us for a loan modificationthroughout  XXXX  and  XXXX . We then hired an attorney which  Navy Federal  chose to ignore and not respond. In a final effort to alleviate foreclosure, my husband tried to file for bankruptcy, but was dismissed by the court because the only debt issue was the home mortgages which the judge said should be handled directly with our lender   ( Navy Federal ).
We 've never received any notification by Navy Federal that this debt is owed, nor have we received any deficiency judgements against us for this debt. In fact, Navy Federal even   filed a  XXXX  for a forgiveness of this debt to the IRS.   Your efforts to have  Navy Federal subst antiate this debt are most appreciated.     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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
You have a duty to provide the name, address, and telephone number of each person who personally verified these alleged accounts, so that I can inquire about how they verified without providing any proof and bearing my signature. I am again formally requesting a copy of any documents bearing my signature, showing that I have a legally binding contractual obligation to pay you or them. 

XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education 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 - NO BALANCE By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report within 15 days.

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 2017-05-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed an error on my credit reports called   XXXX   XXXX  . The debt is not mine. All   XXXX   credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me.   XXXX   XXXX   sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all  XXXX  of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.

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 2017-05-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed an error on my credit reports called XXXX XXXX. The debt is not mine. All three credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me. XXXX XXXX sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all three of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: General Motors Financial Company, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute and request the immediate removal of inaccurate information from my credit report. The information in question pertains to late payments that are inaccurately reported on my credit history. The inaccurate late payment information on my credit report is adversely affecting my credit score and overall creditworthiness. I believe that this information is in error and does not accurately reflect my credit history. I am seeking your prompt attention to rectify this matter. 
GM FINANCIAL XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I kindly request that your bureau conducts a thorough investigation into the accuracy of the reported late payments and takes immediate action to rectify the inaccuracies. Please update my credit report accordingly to reflect the correct and accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended  XXXX  from  XXXX  and I took out a private and federal loan to attend. This loan is very expensive and wont be paid off for decades.. the main issue I have is that the school is no longer active and I 'm paying for a degree that has no meaning or credibility.  Schools  will not Transfer my credits. My main concern is I do n't even feel like putting  XXXX  on my resume is benefiting me in anyway. Can I please get help and get this loan dischasrged!!! I 'm not even mad about the money, I 'm more made at the fact my degree means nothing and I wasted years!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX is attempting to collect a debt from me being a cosigner on a apartment that I have no knowledge of the lease started XX/XX/2022 and ended XX/XX/2022 i know this is not possible because I was in the state of Texas since XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian continues to report inaccurate information on my credit report. I finally got to speak to a representative named XXXX. She was very rude so I asked to speak to a supervisor. XXXX stated there was no supervisor available to address my problem. XXXX also refused to provide her last name or agent ID # so I could report her actions. 

The problem still remains that this is the only credit bureau who repeatedly violates the law and continues to report addresses that are not accurate. As stated previously, I received mail at my sister 's address but it is not my address. My sister is very private and was involved in identity theft before. She does not want her information published. 

I have reviewed my credit report and noticed there are multiple names and wrong addresses listed. All old addresses, names, and phone numbers should be removed. My current name is XXXX XXXX I live with a relative at XXXX XXXX This is not my own address and should not be on my credit report. My current phone number is XXXX In accordance with the Fair Credit Reporting Act 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 consent. I have not provided consent to publish my private personal information. All old addresses, names and phone numbers should be deleted accordingly.

I will proceed with filing additional complaints and taking legal action if this is not immediately corrected.

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 2023-04-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear Chase Inc, You closed my account ending in XXXX due to the reason of " Too many requests for credit or reviews of credit ''. This is highly inaccurate as I just checked my credit reports for all 3 major and 5 other minor credit bureaus. They stated my credit requests and reviews of credit are below average and should not have prompted Chase to close my credit card accounts. Chase Inc has a flawed system stating false information. I will sue if my credit card accounts aren't restored due to a system error. My credit reports are all frozen, even from minor credit bureaus so how was this " too many requests for credit or reviews of credit '' even triggered a random shutdown of all of my accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Iam writing in regards to the debt that you have been attempting to collect from me Jefferson Capital. I must express my concerns regarding the tactics that your company has employed in attempting to collect this debt that does not belong to me. I want to make it clear i do not owe this debt. Please be advised that iam aware of my rights under the Fair Debt Collection Practices Act and i will not hesitate to take legal action of your company continues to harass me in attempting to collect this debt that is NOT mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt was originally from a XXXX bill from over 8 years ago. I handled the bill with company directly. Jefferson Capital has no right to this debt. I want to see the original debt and contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This complaint is a continuum of complaint number XXXX. 

For the statement cycle from XXXX to XXXX of XXXX, American Express requested that payment for that statement be made by XX/XX/2023, a Saturday. I realized on Sunday, XX/XX/XXXX, that I could not make a payment from my account as it would post late and at least one business day after the due date. As a result, I submitted an internal payment request via my Amex account on XX/XX/XXXX. On XX/XX/XXXX, American Express assessed a late fee. I contacted the customer service line via telephone and asked for the fee to be waived. Per the representative, I have had two courtesy waivers and the " system would not allow him to waive it. '' I was unable to have the fee reimbursed. 

This act reflects a potential violation of the Federal Trade Commission Act, Section 5. In truth-in-lending, a consumer is permitted to make a payment on the following business day if a payment date falls on a date in which the financial institution does not accept payments. In this instance, since Saturday, XX/XX/XXXX is the payment date and a date in which American Express does not accept payments, I should have been allowed to submit my payment the following Monday, XX/XX/XXXX, without incurring a late fee.

I am requesting that American Express conduct a seven-year review of my account. In any instance that I was assessed a late fee for a payment due on a non-business day, but payment was received the following business day, those late fees be reimbursed. I am also requesting that the CFPB conduct a review of this process throughout the bank to assist consumers who may have been impacted by this technicality.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and delete the accounts which were opened by fraud as per FCRA Section 605B ( a ) : I called the credit bureaus and was told they are working remotely from home. How is this legal for them to have access to my information and they are not being supervised?

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 2023-04-30
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mother has XXXX, she is also XXXX, Chase bank refuses to honor my Californian POA which she had a lawyer draw up in the late XXXX 's Chase bank said that a POA isn't good enough, that i need a form signed by her saying she understands what a POA is well that's a hard thing to do, she is so far down that XXXX XXXX XXXX, she understands nothing now, plus by law she can't sign anything, i have a paper from her doctor saying that, i need to be in charge of all of her accounts to make her end of life better, but Chase bank says no we can't help you, so after her passing i will go down to the nears Chase with her death certificate and close every account plus pass out papers saying how evil Chase bank is

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
11 traded in this vehicle on XX/XX/2022. The company XXXX I traded in the vehicle to verified on 3 different occasions on a recorded line from XXXX of the pay off amount for the vehicle being {$4800.00}. The vehicle has been paid off since XX/XX/2022 and this account is still showing up on my credit report. I went on the website to my online account and my payment history had been erased and a new amount is coming back as owed and is stating not allowing payments. At this time I want this account to removed immediately off my credit report due to reporting inaccurate information and fraud. My wife contacted Experian on XX/XX/2022 for an update on dispute and spoke with XXXX she was told that Experian relies on hearsay for disputes they only ask the creditor if the information being disputed is correct. I uploaded documentation that this account was paid in full and they did not remove account. The specialist was told at the beginning of the call was being recorded and I was using as evidence. Once my wife reminded him again he acted as if there was errors on the line instead of rectifying issues. She did tell him that I would sue because they continuously report in accurate information that I submit proof for that account is not mine or was paid off. I have several items remaining on my report that needs to be removed or I will seek legal action and sue for the maximum amount that the FCRA allows.

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 2023-11-22
Company: Consumer Portfolio Services, Inc.
State: FL
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:
Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Receivable Solutions LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this is 3 party collector, has no right to request collect, we dint have any contract with receivable solutions llc. 
on XX/XX/23 i send them second letter requesting verification of the right to claim the collection the Receivable solutions attempt to collect debit of XXXX for 3 bills from XXXX XXXX XXXX XXXX. 
they fail to respond and clear this problem, i hove no idea who they are and do they have right to this debit,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions 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 a victim of identity theft

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 2023-11-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was not immediately informed that my checking account had been compromised a person arrested for writing checks against my checking account this was XXXX XXXX XXXX  merged with mb financial and merged with 53 rd bank branch manager on XXXX XXXX XXXX  in XXXX XXXX XXXX area has worked for all three since the incident occurred

Company response to consumer: Closed with explanation