BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: WLCC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am the employer. Received a call from a debt collector to implement a garnishment on one of my employees. They did not give a persons name. Asked for an email address to send this document to. Received an email from XXXX. Letter was from XXXX. Googled apex servicing and found a post from Washington State Department of Financial Institutions stating Apex Servicing is not a licensed debt collector and to beware. Very similar contact info in that post from Washington government. Looked up phone number to XXXX XXXX XXXX XXXX is legitimate. XXXX XXXX says something about collecting debts on behalf of XXXX XXXX. This seems to be illegitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NY
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 hope this letter finds you well. I am writing to express my continued disappointment and concern regarding the unresolved dispute I submitted regarding the unauthorized accounts on my credit report, which are a result of identity theft. Despite my previous correspondence and the supporting documentation I provided, I am slightly sad to note that the accounts in question have not yet been removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate the initial acknowledgment of my dispute and the assurance of an investigation. However, I must emphasize the importance of resolving this matter promptly, as it has had a significant impact on my financial well-being and overall peace of mind. I would like to request an update on the status of your investigation and the reasons for the delay in removing these unauthorized accounts from my credit report. The extended presence of these fraudulent entries is causing me considerable distress, and it affects my ability to access fair and accurate financial opportunities. 
I genuinely hope that this follow-up will expedite the resolution of this matter, as I remain deeply concerned about the continued presence of these unauthorized accounts on my credit report. Your prompt attention to this issue is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Capital one has been complicit in and guilty of numerous crimes against my checking account. For years I have complained that they are allowing corrupted law enforcement officers to access steal from and manipulate my bank account. They have previously " admitted " to these things. Then set it up for me to need an additional attorney to collect the money they owed and damages for the criminal acts. 

Currently they have my old checking account in arrears for XXXX. They have doubled debited back and denied the claim filed through you to recover these funds from XXXX. A scam that plays with money laundering and credit cards ( also filed with your office ). They have on more than XXXX occasion committed crimes similar to this. 

My bank account should be around XXXX positive as originally done. Not attacked with intentionally duplicated charges as revenge for my complaint to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: WA
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 am a XXXX XXXX customer, and they have not updated my balance with the credit bureaus XX/XX/2023. I have spoken with customer service and sent emails to customer service, and they have not fixed the issue. I opened disputes with all three credit bureaus with no resolution. XXXX contacted XXXX XXXX after I opened the dispute in XXXX of XXXX, and whomever they spoke with falsely stated that the balance that was last reported is correct and up to date. This has consistently kept my credit usage at 99 %, when the card has consistently had less than 99 % usage since XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXXm using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been working in the non profit art and education industry for the past 14 years. When I first graduated from college, I was told that I could not sign up for PSLF because I did not work full time at ONE non profit. I continuously worked " part time '' for multiple non profits being much more than 30 hours a week between the two employers. Whenever I would check with FedLoan, I would be told that I did not qualify for PSLF because I did not work full-time at ONE non profit. For that reason, I was not allowed to sign up for PSLF and there did not stick to IBR. In XXXX I finally started a full-time job at a non profit. I was excited to finally be able to work towards PSLF. Unfortunately when i called FedLoan, I was told that I couldn't enroll because I hadn't been enrolled in IBR plans previously. I was again told that part-time jobs ( that combined equalled 30+ hours a week ) did not count towards qualifying employment. At this point, I was told that while I did qualify to start making qualifying payments at the time, I shouldn't. The reason I was given was that I owed {$20000.00} and the service representative told me that I would pay off my debt before 120 qualifying payments were made. I was told that if I started doing IBR and PSLF I would be adding time on to my loan. Now, I learned that this person was incorrect and I could have made 120 qualifying payments by now had I started in the plan when I initially called. I have been frustrated about this for years but felt too defeated to bother trying to do anything about. With some student loan providers being held accountable lately, I was encouraged to just get my PSLF enrollment started now and file my complaint about previous misinformation. It is so frustrating that when I look at my PSLF document, it shows that I have made ONE qualifying payment ; when in reality I have been following the requirements since XXXX. ( When I refer to 'non-profit " I am referring to a qualifying 501c3 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: OPORTUN FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Around XX/XX/XXXX I received a text message from lender stating I was eligible for a payoff settlement of {$560.00}. I immediately called lender to take advantage of this offer as I am falling on hard times financially and had trouble paying the {$1400.00} I initially owed which included late fees also. Once I called the agent & I made a agreement via phone that I accepted the offer and would have to pay 4 payments of {$140.00} every week for a total of 4 weeks in a 1 month span in order to pay off settlement of {$560.00}. I asked the agent could I also receive a email or letter for proof of that agreement she stated yes I would be sent both. I was so excited to pay this off and put this behind me. My first payment was supposed to be XX/XX/2023 Friday but on that date I went to the app to pay and noticed that there was so record of this on the app and also the balance was still {$1400.00}. I called the agent back to see why and she responded dont worry about that they have our agreement on file and it would shortly reflect in the app as well as the letter and email. I was a bit concerned with that and decided to Waite to see if I received any information of this agreement or If the app would reflect the new balance of {$560.00}. After not receiving anything and fearing that I would loose the agreement I called back on the XXXX of XXXX and made what was supposed to be my first payment of 4. After making the payment I still received no written proof of this agreement and the app also did not reflect it. I called today XXXX XXXX to make whats supposed to be my second payment out of 4 and spoke to 2 reps who had no knowledge of this agreement and also didnt see any notes of this agreement and encouraged me to pay the balance of {$1400.00}. After I explained to them the offer that I agreed to they transferred me to a rep that assured me the agreement was solid and that I needed to pay my second payment of {$140.00}. He stated they sent me a email XX/XX/XXXX as well as a letter in the mail and I confirmed with him that I did not receive anything that gave me proof of this agreement. He stated they are not able to send me a email or letter of this agreement and that I would just have to trust their word and that the calls are recorded and that I can use that as my proof. I feel this company has lied to me and manipulated me and forced me to make a payment. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NE
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:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
XX/XX/XXXX I was notified my info was in a XXXX data breach and to check my reports for fraudulant or or inaccuracies on my report. 

I reached out to all 3 credit bureaus and some inquireis were removed but many still remained.

Under FRCA 1681 USC 15 everything must accurate and verifiable. I never gave consent to these companies to pull my credit but, yet Transuinion, XXXX and XXXX has refused to remove these unauthorized inquirieis. 

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX I have never given consent nor have any knowledge of ever giving my authorization for these inquiries on my credit report. 

I want these inquiries removedd immeiately or pay me {$1000.00} per unauthorized inquiy and in accurate info. 
I have enclosed my FTC ID THEFT AFFIDAVIT to prove I did report these errorss back in XX/XX/XXXX and present the inquiries are still there have violated my rights by not removing them.

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 2022-12-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I deposited {$2900.00} in the chase atm and never received the money in my account I filed a claim the next day and have not been given my money back. I have provided the receipt to chase fraud department and to their executive team I have reached out to XXXX XXXX as well and received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: VA
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 am filling a complaint because Equifax has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-45 days mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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: Account status incorrect

Complaint:
I have paid down all my credit cards on XX/XX/XXXX and my credit card companies have sent an update to XXXX, Experian, and XXXX  but they have still not posted the update to their reports - I have called each one and have asked them to update but they make me go through the process of doing a dispute rather than just publishing the new information. I need them to update it as I have to raise my score as much as possible to get a mortgage. I have even had the credit companies send letter to them - attached are copies of the 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 explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
Transunion has my name on my report as a junior. I've been disputing for a while, with no change. I informed them I would be contacting the Federal Trade Commission and they retaliated and dropped my score XXXX. I have no lates or missed payments

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 2022-11-04
Company: TD BANK US HOLDING COMPANY
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:
My name is XXXX XXXX. I have a checking and saving account with TD Bank. My checking account number is XXXX. On XX/XX/2022 ; I requested a dispute for the following transaction : XXXX XXXX Collector for the amount of {$320.00}. I was told the dispute might take 5 to 7 business days to refund the funds back to my account. I called TD Bank on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and to find out the status of the dispute. I was told the dispute is not process as of yet. On XX/XX/2022 ; I received a letter from TD Bank in the mail. The letter stated the amount of $ XXXXwas provisionally credited to my checking account XXXX XXXX. However, the funds were not credited back to my checking account. My checking has a negative balance in the amount of {$340.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On my statement it shows where there was a XXXX debit withdrawal made from my account on XX/XX/XXXX. I have not had a working debit card since XX/XX/XXXX for this account. They will not give me any explanation concerning this matter when I call the bank, just keep sending me to their automated system when I request to speak to somebody.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
: Intent to file lawsuit, HIPAA Privacy Violation 2nd Request for Validation of Debt : { PHOENIX FINANCIAL SERV } Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency and I haven't received validation of the debt { CPHOENIX FINANCIAL SERV } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the collection agency and credit bureau for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Please REMOVE this debt or properly provide VALIDATION and proof that my HIPPA Rights were not violated : Please send me the following items within 15 days : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX. As well as unauthorized hard inquiries that were reported as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: JPMORGAN CHASE & CO.
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:
In XXXX, I XXXX XXXX entered Into a consumer credit transaction XX/XX/, Chase Bank which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692XXXX, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this XXXX XXXX has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my invoice and my license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has our property tax in escrow and will not pay it. The courthouse says they will sell our house on the courthouse steps if its not paid. Plus our name gets put in the newspaper, etc.

Our property taxes have been escrowed since day 1. We have never missed a payment. They lie every time we call. First they say they paid it. Then they say the paid the wrong parcel. Then they say they paid for the wrong person. All lies.

This mortgage company has horrible reviews and should be shut down. It is illegal for them to keep our money and not pay it to the appropriate parties.

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