BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
So I paid off my XXXX XXXX XXXX credit card nd they promised wen I was making last payment tht they will send me a paper nd also to credit agency nd have it remove off my credit so it wnt affect it its still there I tried reaching them many times they didn't respond nd credit wnt fix it they said XXXX XXXX XXXX says it's current I paid off discover card nd same thing was told to me I made full payment of wat i owe as I lost my job due to covid nd had injury nd health issue but as soon I got money I paid off they promised to remove the bad credit late payment off my credit nd same they didnt rhey didnt remove it it's still showing nd affecting my credit I opened a account with XXXX XXXX XXXX nd I couldn't even make it wrk it didn't let me do nothing I never got the credit card I told them nd they said they will fix it nd send me another card i requested for account to be close becauz I couldn't use it nd it was just affecting my credit nd they closed my account nd than suddenly closed my checking account too nd now they lying nd saying I didn't comply which is a lie as i requested I'm also seeing if says I got a credit loan for sumthing which i didnt idk wats going on I feel like scam is going on please help me All XXXX of these companies lied to me to make me pay it off all nd than did this nd hurted my credit I can't get another credit card or house or car

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-25
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX with a Original Balance of {$250.00} is being reported as multiple lines as if I have several accounts as well and the balance has not being reported correctly.This account has been paid in full since XX/XX/2020 and it has yet to be reported correctly. despite the submission of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: WA
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:
In accordance with the fair credit reporting act XXXX  account # XXXX account name 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 agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Multiple fraud identidety thefts and unautherized use of funds and id card as well as cell phone companies ext

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Exeter Finance Corp.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The vehicle was in the possession of the co-owner. I was not aware of the debt accumulated on the vehicle due to divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Chime Financial 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: Problem with personal statement of dispute

Complaint:
So I paid off my XXXX  XXXX XXXX credit card nd they promised wen I was making last payment tht they will send me a paper nd also to credit agency nd have it remove off my credit so it wnt affect it its still there I tried reaching them many times they didn't respond nd credit wnt fix it they said XXXX XXXX XXXX says it's current I paid off XXXX card nd same thing was told to me I made full payment of wat i owe as I lost my job due to covid nd had injury nd health issue but as soon I got money I paid off they promised to remove the bad credit late payment off my credit nd same they didnt rhey didnt remove it it's still showing nd affecting my credit I opened a account with chime credit card nd I couldn't even make it wrk it didn't let me do nothing I never got the credit card I told them nd they said they will fix it nd send me another card i requested for account to be close becauz I couldn't use it nd it was just affecting my credit nd they closed my account nd than suddenly closed my checking account too nd now they lying nd saying XXXX didn't comply which is a lie as i requested I'm also seeing if says I got a credit loan for sumthing which i didnt idk wats going on I feel like scam is going on please help me All XXXX of these companies lied to me to make me pay it off all nd than did this nd hurted my credit I can't get another credit card or house or car

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 90 plus ) days late on XXXX. ( Please see attached pages from my credit report along with a spreadsheet with account numbers for your reference. ) These accounts were in deferment at the time these late payments were being reported and consequently were being reported in error. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Capio Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and this account was in collections. I have no knowledge of this account nor did they send me notice or verify that this debt was mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I sold a XXXX XXXX XXXX Unlimited that was financed through Santander Consumer USA. A bill of sale and a Cashier 's Check for payoff was Priority Mailed to the Corporate office. Santander Consumer received the payoff on XX/XX/XXXX. They didn't release the title until XX/XX/XXXX. The people that bought the XXXX are asking for the title. I called on XX/XX/XXXX to request a duplicate title, the manager said that the title was mailed out on XX/XX/XXXX and that i would have to wait. I requested the title be delivered by today. They refused. I don't feel that they should wait a week before releasing the title and I want it rectified ASAP. I will never recommend or use Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 contacted the agency regarding the information and no actions were taken. 

In accordance with the Fair Credit Reporting Act Professional/ Debt 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 XXXXXXXX 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 a account without my written instructions.

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 2022-06-13
Company: Experian Information Solutions Inc.
State: IL
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:
As a consumer, I have a right to privacy. Pursuant to 12 CFR 1016 ( Regulation P ), I should have received a reasonable opportunity before the disclosure of my nonpublic personal information to the nonaffiliated third party, to opt out of the disclosure. Since Experian created a profile with my nonpublic personal information without my authorization, I have yet to receive an opt-out disclosure via mail, electronic means, or an isolated transaction pertaining to the disclosure of my nonpublic information from Experian. This is not fair, accurate, equitable for me as a consumer. The nonpublic personal information that Experian is disclosing is forcing me to lose confidence in the banking system because of Experian credit reporting methods.

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 2023-01-06
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-06-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian is still reporting addresses that do not belong to me please fix right away!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are continuing their harassing calls and this is becoming childish and if it goes on any longer I will hire a lawyer that will easily win this case due to the circumstances. XXXX XXXX XXXX is not the number that owes this debt and I will not repeat myself.

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 2022-06-13
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted the Public Service Loan Forgiveness application in XXXX of 2021. I have called several times and have not been able to get through the line. I was on hold for hours, and when I made contact with someone, the call dropped and I was not contacted. It took me XXXX hours to get in touch with someone again. 
In between making contact, I was placed on a queue and then the call was dropped again. 

I finally made contact with someone again and requested to speak to someone with to whom I might express my concerns regarding my efforts and inability to get in touch with anyone. That person asked that I hold and the call was terminated. I called seven times. I was on hold several times and easily spend five hours making a concerted effort to make any sort of contact. There is no email options for people like me who may not have an account with Fed Loan, though work with Fed Loan for the PSLF. 

Additionally, Fed Loan indicated that they sent a letter in the mail- I have not received such letter and there is a significant delay in any contact, which can affect the outcome of my loan forgiveness. I consider myself a patient person and the institution fails the client - not the workers, rather the system there itself. It's embarassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-18
Company: SERVICEMAC, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
the first sent me a letter regarding my XXXX housepayment daying it would be reduced because I had an excess in escrow. I paid the usual housepayment anyway. they put the extra into principle. next instead of informing me that taxes had gone up and giving me an opportinity to address NEXT YEARS tax situation they simply tell me my house payment is going up in XXXX. I called to ask why today XXXX XXXX they look it up and say taxes are going up by XXXX dollars. 

Its important to note that there was an EXCESS in escrow of XXXX dollars that should have covered any tax deficit of XXXX dollars. so why refund me and set me in arrears? 

note this is the second year in a row they are doing this. last year they said insurance when up by a few dollars. 

they XXXX the payment and tack on interest and my end of year what I have paid is OVER what I could have paid up front. 

I do not know how to get my taxes and insurance out of their hands so that I can pay it separately. this in my opinion would be the only way to stop this abuse. I have seen other people I know lose or be forced to sell their homes because these mortgage companies play these games of refunding excess before paying the taxes and insurance and then claiming there is a shortage. this should NOT BE OKAY with the US government!!!

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 2023-02-15
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: Account status incorrect

Complaint:
The XXXX XXXX XXXX is continuing to state that i am late and behind on payments when during COVID i was told that I would not have to make any payments nor would any such payments be subject to reporting to my credit. These loans have been forgiven as well and they still are reporting to my credit..

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 2022-01-07
Company: Experian Information Solutions Inc.
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:
early last year my ex-wife totalled her leased vehicle, a XXXX XXXX. The vehicle was fully insured and insurance covered the loss and we were billed and paid the difference. The account was paid in full and closed and then we got hit with a " charge off '' that shows on our credit report monthly XXXX through XXXX of 2021 and knocked our credit down nearly XXXX points and still hasn't rebounded to the level that I've maintained for 20+ years. We contacted all of the credit reporting agencies to challenge the ding on our credit. 

There was no financial loss to XXXX XXXX, we have insurance and insurance paid as expected so why did I get slammed? It's credit reporting, not a driving record. 

The agencies went through the motions, after hours on the phones, weeks of back and forth we got a couple of letters saying that they investigated and will make no changeXXXX XXXX gave no relief either ; they stood behind what they reported to the credit agencies.

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 2022-06-13
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello. I hope this message finds you well. I write because in XX/XX/2020 I entered a covid forbearance plan. However, while on the plan with servicer # 1 I made payments of {$14000.00} and then made payments to the second servicer of {$16000.00} for a total of over {$30000.00} to both servicer out of the {$37000.00} total to be paid according to the statements rendered by both servicer. Unfortunately, I am unable to get out of forbearance because in order to do so, I must agree that I owe an additional {$17000.00} ( according to the partial claim delivered for my execution by servicer # 2 ). I am not sure why my past due balance is {$17000.00} when the difference between what I paid and what I should have paid is only {$6300.00}. I would have expected to find an escrow overage. However, I have just been informed that all that is left in my escrow account is less than {$3000.00}. I would very much like to exit forbearance but unless I agree that I owe an additional {$17000.00} that is not an option. I have asked both mortgage servicers to explain this discrepancy but rather than answer my direct questions they continue to send and refer me to payment histories which are not helpful in explaining this discrepancy. Please help. I may be reached at either XXXX, XXXX or XXXX. Thank you so very kindly for all your assistance in advance. With warmest regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation