BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: MA
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 have an auto loan with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX I wrote a letter accompanied with bank statements to dispute payments that were reported as missed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XXXX of XXXX. All of these payments were set up for recurring payments though XXXX XXXX XXXX when the loan was obtained. All of the payments were made on time. On XX/XX/XXXX at XXXX I called the XXXX XXXX MA location and spoke to XXXX regarding my dispute. She placed me on hold for over 20 minutes, then came back and apologized for the wait and stated that I could not dispute through them. She said I could only dispute through the credit bureaus, they do not handle direct disputes. I informed her that her the FCRA I could dispute directly with the creditor. She then told me that she would have another representative call me back. I never received a call back. On XX/XX/XXXX I received a letter stating that my bank statements were not sufficient evidence that the payments were made. The letter also stated that they could not update their incorrect reporting for 9 months. This has impacted my credit greatly and is affecting my life. This is also a violation of the FCRA and a violation of my rights.. My banking institution, XXXX XXXX XXXX only provides bank statements as proof of payments. I am requesting that the correct their inaccurate reporting for the months in question to paid on time as agreed, along with crediting to auto loan account for the over payments I had to make in XXXX and XXXX of XXXX. I was forced to may more than {$880.00} in order to avoid a repossession and end the harassment I was getting. I ask that the over payment be applied towards the principal of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: GREAT LAKES
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I pulled a Parent Plus Loan so my son could attend college in XX/XX/XXXX. At the time of repayment which began around XX/XX/XXXXish I was told if we set it up for autopay we would get a .5 % reduction on the interest rate. We set it up for auto pay. The loan was in my name but my son is helping repay this loan. When my son go into some financial issues they encouraged us to put the loan in forbearance. When he got back on track we started paying loan again. I was told because we put the loan in forbearance that we lost the .5 % rate reduction which was never explained prior to this. At this point we have been paying this loan for years. To date not XXXX XXXX has been deducted from the original loan. I called to inquire what was going on and was told that unless we pay additional money each month over and above what set payment is, the loan would never reduce. Again this was never explained. So why would they set the loan payment at the rate that will never pay off the loan. This is a complete crime and should be against the law. There is not one program out there that is of any help to us regarding this loan and it will NEVER get repaid unless we win the lottery. How can this be legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Uplift, Inc
State: TX
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: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on XXXX  ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/23 XXXX My credit is poor, I checked up what's holding me back. It was Capio Partners IIc. 
I was never notified about a bill, not a letter or phone call. I talked to a lady about it, and all she did was laugh, saying " lol '' unprofessional, also kinda rude too. 
I heard there was a lot of frauds and scams behind this company. Asking what this company does, refuses to say or verify what they do. They also wanted me to download a app called, XXXX I never heard of ( no reviews about it either ), and wanted me to connect to my bank information which it was sketchy. I saw the reviews from XXXX, and saying people have experience harassment and threats from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: JPMORGAN CHASE & CO.
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
My Credit card was lost. I did not notice until the charges came in the mail. As soon as I saw the fraudulent charges ( end of XXXX  XXXX  ), I called and cancelled the card and reported the charges. Charges were removed and a new card was issued.

Several months later, all the fraudulent charges reappear on my statement without any explanation. I call to inquire. They tell me I need a police report and the charges will be removed. Why wouldn't they have said that in the beginning? I get the report and send it. They don't remove the charges!!!!! Each time I call they come up with a new reason to not take off the charges. 

The very last time I called, the supervisor said it was because I made a payment on the card. That confirmed the charges were valid.????? I have been a customer for over 18 years, paying it off each month. I have never had a problem. I have never gone to the merchants on the XX/XX/2020 statement. Ask them for signatures or a camera or something because the {$2900.00} charges are not mine??????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: GA
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 formally submitting this CFPB complaint and formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned accounts are incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Hence, I am seeking an immediate assistance from you to correct these following late open accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I inquired to caliber home loan about email they sent saying they can drop my mortgage insurance and lower payment on my current mortgage.On the phone loan consulatant XXXX said there is no costs but {$190.00}. I pulled over as he said he must wait on the line while I initial documents online and he can change anything going forward such as term amount etc. I asked about closing costs and was told there were no costs other than {$190.00} as they already have mortgage on house and are simply refinancing. After reviewing it they were tacking on an extra {$10000.00} to my loan for closing costs and XXXX said they would be waved or reversed. So in addition to {$10000.00} closing costs my interest rate would be even HIGHER if I refinanced. So within 30 minutes after I told him I wanted to cancel via phone and numerous emails. The Following day XXXX continued to process loan even after I told him I didn't want to go forth especially with paying higher interest and putting an extra {$10000.00} on refinance loan. I contacted his boss XXXX who then after I told him why I didn't want to proceed asked me why not and continues not to stop this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-19
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed that my bank account was less than it should be. I contacted my bank and they stated that there was a writ of execution on there! They provided me with the company contact information so I called. They said that there was a judgement against me back in XX/XX/2013. I asked if there were other options for payment and the woman said NO, we will not release the funds. I again asked if there were other options for payment. She again said No. I reminded her that this judgement was from XX/XX/2013 and she said it doesnt matter we have so long to collect and we will not be releasing the funds! I was never notified and they would not offer any alternative methods of payment then the one lump sum they were holding!

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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have an auto loan with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX I wrote a letter accompanied with bank statements to dispute payments that were reported as missed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XXXX of XXXX. All of these payments were set up for recurring payments though XXXX XXXX XXXX when the loan was obtained. All of the payments were made on time. On XX/XX/XXXX at XXXX I called the XXXX XXXX MA location and spoke to XXXX regarding my dispute. She placed me on hold for over 20 minutes, then came back and apologized for the wait and stated that I could not dispute through them. She said I could only dispute through the credit bureaus, they do not handle direct disputes. I informed her that her the FCRA I could dispute directly with the creditor. She then told me that she would have another representative call me back. I never received a call back. On XX/XX/XXXX I received a letter stating that my bank statements were not sufficient evidence that the payments were made. The letter also stated that they could not update their incorrect reporting for 9 months. This has impacted my credit greatly and is affecting my life. This is also a violation of the FCRA and a violation of my rights.. My banking institution, XXXX  XXXX  XXXX only provides bank statements as proof of payments. I am requesting that the correct their inaccurate reporting for the months in question to paid on time as agreed, along with crediting to auto loan account for the over payments I had to make in XXXX and XXXX of XXXX. I was forced to may more than {$880.00} in order to avoid a repossession and end the harassment I was getting. I ask that the over payment be applied towards the principal of the loan.

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 2021-01-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Numerous attempts have been made to correct my legal name with all 3 credit bureau 's. My legal name was incorrectly changed and used in a frauduent manner due to fraud. I was under the assumption that credit bureau 's were required to validate information before placing it on credit reports and profiles. 

My correct legal name is XXXX XXXX XXXX The incorrect name reflecting is XXXX XXXX XXXX XXXX I am providing my DL, SS card and recent utility bill, and a recent credit file received, to identify myself. 

Again, my legal and only name is XXXX XXXX XXXX. No other name ( s ) should appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I sent a written request to have the private mortgage insurance ( PMI ) removed from my mortgage account with Sierra Pacific Mortgage. On XX/XX/2019, after several calls to follow-up with the mortgage company, I finally received a letter with the information on the PMI removal process. In the letter they requested a check for {$420.00} for the appraisal. On XX/XX/2019, I sent a check for {$420.00} and it was cashed on XX/XX/2019. Almost 30 days after the check was cashed, I received a notification that because of the complexity of my appraisal they needed another {$150.00}. There was no explanation as to what made my appraisal " complex '' or why the appraisal fee was more than we I made a similar request a year prior. I sent a check for {$150.00} on XX/XX/2019 and it was cashed on XX/XX/2019. They seem to be able to cash my check very quickly, but their follow up customer service is terrible. I have now followed-up several times to schedule the appraisal and get this completed and was last told on Monday, XX/XX/XXXX that I wouldn't receive a response until XX/XX/XXXX or later. I said that was unacceptable - I have waited since XX/XX/XXXX to have this completed only to be delayed left and right by Sierra Pacific. It should not take four months to have an appraisal done on a home. I told them if I didn't get a call by end of business on XX/XX/XXXX I would file a claim. They said they would escalate it to management. I never received a call. I feel this delay tactic is a ploy to get more money from me from the PMI. I also feel I will end up at a disadvantage because by the time they may finally schedule this appraisal, the housing market may have cooled down and the value may not be where I need it to be. I have a low interest rate on this mortgage and I feel they are using these tactics to force me into refinancing the property which would cause me to pay them even more money than I have already spent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act 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 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. States a consumer reporting agency can not furnish an 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 2023-01-23
Company: Experian Information Solutions Inc.
State: SC
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 FCRA, Experian has violated my federally protected consumer rights. 

15 US Code 1681 States that I have the right to privacy and that a consumer reporting agency can not furnish an account without my written permission and instructions. 

Please see attached...

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 2023-07-22
Company: EQUIFAX, 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have contacted credit bureau 2 times to remove bankruptcy off report I have never filed bankruptcy before and I don't know where this is coming from I have attached documents from court system

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020, I lost my cell phone, and apparently, some credit cards that I carried in a tote bag, and someone used my card unauthorized and charged {$190.00} to my account. I did not realize it because I do not normally carry the Capital One card around, I thought it was at home. It was not. I called Capital One to file a dispute, they did, within one week the dispute was closed. I found this out yesterday, XX/XX/2020, I spoke with 3 different reps, the last being XXXX, ID # XXXX from fraud. I was told by XXXX that I did not have any proof the card was stolen or lost. HOW would I have proof? It is the job of the card company to reach out to the merchant to dispute the charge, this process typically takes 30-90 days. XXXX told me no such thing was done in this case and that the case was closed. I was on the phone for over 2 hours before I even got to XXXX. I was tossed around the companies call center queue and got no answers, 3 reps, and nothing resolved. I requested the documents be mailed to me, as it is my right. If/when a company does a dispute and a consumer requests the documents used to make their determination they must send it. XXXX in Capital One Fraud advised me that there is nothing he could educate me on, share with me, or send to me. I want this case reopened, and an actual dispute processed with XXXX  the merchant, and my {$190.00} put back on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 a XXXX XXXX account was opened in my name. The person added an authorized user of " XXXX XXXX. '' Within the last XXXX weeks, I began the process of closing on a home. Then, a collection account from Jefferson Capital Systems appeared on my credit reports. I disputed the debt because I knew nothing of it. I then contacted XXXX, who let me know about the account that had been opened in my name, wasn't paid, and was sent to collections. The person used my name, social security number, and an outdated address. I have attempted to contact Jefferson Capital Systems by phone, to no avail. I have filed a police report and provided it to XXXX. This is a clear-cut case of identity fraud, and it is close to making my entire family XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue to received updates daily on my credit report from the company I.C. System, Inc,  i have sent a letter for debt validation because i do not believe the account belong to me, i have heard nothing from the company only receive daily updates that my account was flagged as Collections. 

IC Systems Inc XXXX XXXX XXXX XXXX XXXX, MN. XXXX {$320.00}

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 explanation