BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have repeatedly requested that extra payments I make on my loans go toward a specific loan and that I do not want extra payments to put me in " paid ahead '' status. 

I have asked via electronic message on their website ( three times, the first of which was in XX/XX/XXXX ), via phone ( twice, first time in XXXX or XX/XX/XXXX ), and letter via USPS ( twice, first time in XX/XX/XXXX ( I can only find a copy of the first letter, which is attached ). I never received any kind of response or confirmation to my electronic or USPS letters. On the phone, I was repeatedly given the run around ( the first call the person told me that she could not - as in, had no ability to - make any kind of notation on my account about extra payments ) ; on the second call, I was initially told the same thing, and also told that I shouldn't worry about it because ( a ) they would take care of extra payments in a way that was in my best interest, and ( b ) I could always, supposedly, have them retroactively redirect a payment if I was unhappy with how it was applied. By the end of that call, I believe, but am not positive, that the call taker confirmed that there was some kind of notation on my account instructing how to apply extra payments. 

This seemed to be working for a while, and my extra payments were finally going toward principle on the loan that I had specified. Two months ago, my payments were all the sudden being once again misapplied, and instead of going to principle I am now in the ( utterly deceptive ) " paid ahead '' status that I have specifically and repeatedly told them not to place me in. 

I truly can not believe how transparently fraudulent this loan provider is, and I do not know what to do at this point. Paying off my loans is incredibly stressful, and I do not have the time or the emotional energy to waste hours upon hours trying to force them to simply follow the clear instructions that I have given them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: FL
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:
his is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus. 3 credit bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : The bureau is provided by federal law to response within that statutory time limit and they still have failed to response to my letters. Therefore all items in question that have been disputed must be removed. 

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed. Please find the attached documents to assist in blocking of the erroneous information which is being posted to my report. 


XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/2021 XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I just got a credit card from XXXX XXXX. I have been using and paying on it to build my credit higher. I went to use it on the XXXX and it said declined. I called XXXX XXXX and they advised it was closed due to Fraud. I asked why and was advised the credit Bureaus has reported it has a fraud account. I did not report that to them and it should have never been reported as such. I did file a complaint advising I wanted my report updated with the balance on my card. I lost points applying for this card on my report and now I have to reapply for the card and got denied. I want an explaination as to why this was done and the points removed from my credit report for applying to this card and XXXX XXXX updated that it was not a fraud account. Now, I have two hard inquiries on my credit report that I want removed.

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 2023-04-21
Company: HYUNDAI CAPITAL AMERICA
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
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:
Sent Final payment cashiers check. Overnight to To Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, XXXX. 
Odometer statement attached to the check. 

Hyndai motor finance shows processed on XX/XX/XXXX. Then I started to receive voice messages that the odometer statement was not received. I sent it by fax on XX/XX/XXXX. To XXXX. Did not hear anymore from Hyundai Motor Finance. Now my new loan company is demanding a title by XX/XX/XXXX. I have no recourse. No way to get this title. I have sent the odometer statement again. By email and fax today XX/XX/XXXX to XXXX and XXXX. I only get customer service people that can not help by phone. They make me provide information and offer to send me the odometer statement form. Give me the fax number. But have zero ways to help me and are not able to connect me to a representative onshore ( Their words ). I need this title for my new finance company.

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 2023-06-22
Company: Klarna AB
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been dealing with this for over a year and I paid {$69.00} for an XXXX order that only cost {$83.00}. I returned this car part back to XXXX, yet klarna never wanted to refund me, after numerous amounts of calls to them they still turn around and send me the credit bureau lying saying that I never paid these {$69.00} that they never would correct, they sent me to the credit bureau fraudulently, because it shows on my payments that I have paid, but they never would correct it just recently they charged me a {$7.00} late fee then they sent me to the credit bureau when they are the one who would not correct this and I sent the item back to XXXX... haven't allowed me to use klarna since XX/XX/XXXX... and still haven't contacted me after over 100 calls to klarna ... also back on XX/XX/XXXX a supervisor contacted my email stating I do not have to pay anything as you can see from the screenshot they still never corrected this and still sent me to the credit agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase has not suspended overdraft fees during the Coronavirus pandemic. Anytime I'm able to get a small deposit in my account, they wind up going just to cover overdraft fees. They've also purposely structured transactions to result in more fees. At a time when my income has been cut by half, Chase continues to charge overdraft fees. Even worse, they will not respond to me. I've been on hold several times for up to three hours to discuss this with them only to have the call disconnected. I've contacted them through their secure message center and I've contacted them through social media. It's unbelievable the way that they're treating people at a time like this. I need them to do the right thing and stop taking advantage of us during a pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22
Company: Allied Collection Services, Inc. (Nevada)
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I will attach the email below between the collection agency & myself. The agency is trying to ask for money that we do not owe. I gave my property manager enough notice to vacate & that she would rent to us again. I have both our signatures. I moved out before my parents. Our lease was up XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX told me I was released from the lease. My mother was also there as a witness when we signed the document My parents as well have had signed a separate move out notice before they left. There was not a third line for me to included. My parents & myself have fulfilled the lease. They are trying to make us pay for renovations! Also they stated we didnt have a security deposit, which in fact we did on the original lease!!! 
Always make sure to get copies of everything you sign. I have gotten nowhere with this agency & they are indeed trying to collect money that we do not OWE! 

I will attach my move out notice, my parents move out, the email between the agency & myself explaining the situation & the original lease thats shows in fact that we did have a security deposit.

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 2023-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have had 4 fraudulent accounts attempted to be open with Bank of America in the past month. 2 of these fraudulent accounts were opened. Both times I contacted BoA to close this and report fraud on them. I have also placed a notice with XXXX and frozen my credit file with the credit agencies. Even by doing this BoA allowed for an 2 additional account requests to be put in and 1 to be fraudulently opened. BoA also has no tools in place to prevent an account from being opened in my name. So this is continuing to happen.

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 2020-04-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, XXXX and XXXX JPMCB Card put late payments on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they were having issues with their autopay and that they will correct the issues but they haven't. I just checked my credit score last month and it now shows on all 3 credit reports and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This balance was resolved with the original debtor XXXX. I never received a statement stating I had an over due balance with this company. Attached is the statement I received at my new address. This account was paid in full upon moving. I then began to receive collections calls. When I logged back into my account, there was a balance owed. At which point representatives of XXXX admitted to altering my account information. XXXX has admitted on a recorded line to falsifying documentation for collections efforts. 

I have never received any correspondance from Sunrise Credit via mail or otherwise. They then placed a derogatory remark on my credit with no prior notification. This balance has been resolved since XXXX of 2022. I do not owe this balance. I never acknowledge owing this balance. I was never told I owed this balance until XXXX of 2022. This was resolved completely in XXXX of 2022. And I have received zero correspondance from either XXXX nor Sunrise credit at any point and time prior to a second derogatory remark on 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 explanation
Consumer complaint received 2023-04-21
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I paid off the balance due on my mortgage via wire transfer. I still had approximately {$2000.00} in my escrow account. I have attached my XX/XX/XXXX statement, showing the principal due and the escrow balance, and a confirmation from my bank of the wire transfer. 

The mortgage holder has informed me, in a phone conversation, that it would take about 30 days for them to refund the escrow amount. 

While not a major problem for me personally, I find this practice outrageous. I see no reason why the money should not be refunded much more quickly - within a few days at most. Doing this every time a mortgage is paid off puts a huge amount of money in their pocket, for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I closed on a HELOC loan with Pentagon Federal Credit Union on XX/XX/XXXX, My loan processor informed us after loan approval that they offer a special introductory rate offer of 3.24 % for 1 year, if we take an advance on the line at closing, we had to take it settlement to get this intro rate. The fixed rate of the introductory offer is 3.24 % for the first 12 months. We took an advance on the HELOC at closing as advised. However our billing statements- ( attached ) -does not and has never matched the actual interest rate accrued correctly, nor the interest rate calculated for the amount due. It states a rate of 5.00 %. We brought this to the attention of a supervisor at PenFed 2 month ago ( XXXX XXXX Supervisor Mortgage Loan Servicing Phone : XXXX E-Mail : XXXX ) When we saw this error on our dashboard. XXXX and our original processor at PenFed acknowledged in several emails and phone conversations that they are having issues with their new loan origination Platform system designed for 1st mortgages and is not working correctly for HELOC 's at this time. 
I was informed they are aware of the error and asked to be patient and assured that the problem will be corrected shortly. It has now been more than 60 days of communications and we still can not get a correct interest billing statement and corrected interest charges for last year for taxes. And so far this year our statement is still incorrectly being displayed on our dashboard- ( billing statements attached ). Today we received a billing statement for our loan and it now shows us past due! It  does not reflect all payments made to date by auto debit from my checking account from XXXX XXXX XXXX to PenFed. We are getting nowhere fast on these communications unless we keep calling and emailing for updates. What's more! IS our PenFed dashboard now shows two open HELOC loans and two different account numbers?, it's a real mess. At this point, we are just plain worn out and tired of the time and energy we have spent on this issue. We want to out of this loan and want to rescind this loan, have our fees returned. This whole process has been a total mess from start to closing, which took PenFed over 135 days to process and resulted in having to have a new hard credit pull which lowered our score and now we are concerned about our credit rating and the risk of a misreporting us as past due?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: IN
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I sent XXXX, XXXX XXXX, and Equifax a reinvestigate these accounts : XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. I've added tracking numbers for letters, XXXX # XXXX Equifax # XXXX XXXX # XXXX. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case. I've attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: WELLS FARGO & COMPANY
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:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 1 ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 instructions.

J 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A previous co-worker stole my license and had access to my personal information and used this to rent an apartment in my name and then broke the lease and now the apartment property has put the entire debt on my credit and this has ruined my credit and is preventing me from being able to rent a new property. At the time this occurred I was not aware as I have been in the same rent house with my husband for 5 1/2 years. This occurred just 2 years ago. I have disputed these charges with the debt collectors and the credit bureaus and they are not accepting this or helping me or willing to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, INC.
State: AR
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 pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspended that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$0.00} XXXX XXXX/XXXX  XXXX {$490.00} XXXX XXXX XXXX/XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX XXXX {$150.00} XXXX XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$21000.00} BANKRUPTCY CHAPTER-XXXX XXXX

Company response to consumer: Closed with explanation