BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2020 I received a payoff quote from XXXX for my automobile and I used it to refinance the car with XXXX XXXX. My XX/XX/2020 Auto payment was due on XX/XX/2020 & XXXX told me car would be paid off by XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX because the payment from XXXX  looked like it had still not been processed by XXXX & I did not know if sending a payment would interfere with that process, but I knew I was approaching 30 days late - I didn't know if I was still being held to that due date or if they were aware I had refinanced and they were processing the payoff already. I was unsure of what I needed to do. The representative I spoke to advised me she would place an extension on the account and as long as they received it by the end of XXXX, I would not receive a delinquency. Between XX/XX/XXXX and XX/XX/XXXX I Continued to receive collection calls from XXXX and on XX/XX/XXXX I called XXXX again and spoke with another representative. I explained the situation again and asked again if I needed to send a payment. The representative again said they would notate the account. The account was paid off in full on XX/XX/XXXX, but then the first week of XXXX I received notification that I was reported 30 days late for my XXXX payment by XXXX. I called XXXX on XX/XX/XXXX to dispute this with them, because surely this must be a mistake since I asked them how to handle this before I was 30 days late and they told me I would not be marked late if they received payment from XXXX  by XX/XX/XXXX and they received payment from XXXX  on XX/XX/XXXX. XXXX opened a dispute and I just received the results and they reported to me that they found they reported the 30 days late correctly. This is absolutely egregious. XXXX is a sub-prime auto finance company and I accepted them as my lender after a bankruptcy with the intention of working towards refinance. I worked hard for many months by paying on time to rebuild my credit and be able to refinance with a different company at a better rate, only for them to ding me as 30 days late after they told me how to handle my payoff payment with my new lender. That is absolutely unfair. Now when I attempt to purchase a house I will have a recent 30 day late on my credit that is inaccurate. I need this removed - it is absolutely incorrect and unfair. XXXX 's phone number is XXXX. I have attached our XXXX  cell phone records that reflect the calls I made to XXXX on XX/XX/XXXX from my husband 's cellphone XXXX and on XX/XX/XXXX from my cellphone XXXX. Had the representative that I talked to on XX/XX/XXXX at XXXX properly put in my payment extension OR properly notified me to make a payment despite the pending payoff, this situation would have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I had one late payment over 46 months ago. I've tried calling to speak to someone about forgiveness on this as I've only had one late payment in over 5 years with this line of credit but no one at Regions seems to know who I need to speak to. I keep getting told to call numbers that just referred me to their number. It's frustrating, that the employees CAN NOT point you in the right direction.

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 2018-07-12
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it, may concern : On XX/XX/2017 I purchased an apple XXXX from a XXXX affiliate store in XXXX XXXX Ca. 
Truthfully, during the subsequent months, I did have trouble keeping up with my payments, however, XXXX was willing to extend me time on my service ... keeping my phone on, and I would get caught up. Then without any forewarning whatsoever, they would no longer work with me. 
At this point in time, I respectfully requested that they send my final bill as I would seek a new vendor/network. 
The VERY DAY after I received the final bill as requested, I also received a collection account letter from a company called Convergent. I called this firm, explained the situation, and they said ... '' take it up with XXXX '' Consequently, I have never had any further correspondence from the collection agency, and all my efforts to remove the damage to my credit report ( phone calls and letter ) have got me no where. 

This is a blatant and absolutely unfair, and bad business to do things in this manner. 

Thank you in advance for your consideration. 


Sincerely, 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 2020-07-23
Company: EQUIFAX, INC.
State: PA
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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: AES/PHEAA
State: GA
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 received student loans while a graduate student ( XX/XX/XXXX-XX/XX/XXXX ). Upon graduation I started making payments through XXXX XXXX in a timely manner, and have never missed a payment. I Consolidated my loans at some point, XX/XX/XXXX I believe, and switched to the minimal payment plan at some point. 

I heard about the loan forgiveness program after working 10 years for a state agency, several years ago and assumed I was covered because, since graduation, I have worked for a state university since graduating. 

I found an article describing the forgiveness program and submitted a request to be considered as my tens years was coming up. I was immediately told I had to switch to XXXX XXXX ( by XXXX XXXX ) because they were they only loan company handling the forgiveness program, so I filled out the paperwork and had the loan switched to them. Throughout, I have continued to make payments every month on time ( they are directly drawn on my bank account ). 

After the account was switched ( XX/XX/XXXX ), I submitted the PSLF form to XXXX XXXX, who then informed me that I did not qualify because of the type of loan payment plan I had been on. Of course, I was never told by XXXX XXXX, or my other student loan company that the forgiveness program was dependent on the type of loan payment plan. Obviously, had I known, I would have switch. 

I feel I was duped in two ways : 1 ) by not being told about the ins and outs of the forgiveness program by either of the student loan companies ( XXXX XXXX or XXXX XXXX   ) ; and 2 ) for being told I had to switch to XXXX to to have my loan forgiven, only to find out I did not qualify ... I see this as bait and switch type promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
Portfolio Recovery Associates decided to reinserted NON VALIDATED information back on my credit files, with all bureaus. They could not provide me with the proper VALIDATION of said debt. They could not provide me with a contract or promissory note with the ORIGINAL said debtor signature. They removed it back in XX/XX/XXXX and today I got notification that this negative information has been reinserted on all credit reports. 
I did NOT receive 5 days notice that they were going to reinserted this NON VALIDATED said debt, and that there is against the law. 
I have not heard from this company since XX/XX/XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I contacted Chase by phone about my mortgage payment ( s ) being late due to hurricane Irma in XX/XX/XXXX. I was informed at that time that there was a program that I could participate in that would not penalize me for missing my mortgage payments from XX/XX/XXXX through XX/XX/XXXX. I was told there would not be any late fees or negative impact to my credit as a result of participation in the program. I'm sure there is a recording of this call. I was told that I could apply for a modification to my mortgage, which would include the missed payments. I felt such relief and appreciation. In XX/XX/XXXX I began resuming my mortgage payments and at that time Chase reported my loan 90 days delinquent to credit bureaus! I was mortified considering I was told that this modification would not negatively impact my credit. I believe I was XXXX and now have two or more months of 90 day late payment status on my mortgage I am paying trial payments and feel this account status is not fair to me. If I was aware that this would happen, I would have taken a loan to get the payments in. Chase assured me that everything would be just fine and this would not impact my credit. I was approved for the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Chase Credit Card, Southwest Rapid Rewards Card.

Autopay was set up with the correct banking numbers and each month, there was no letter sent saying the credit card payment was not received. After about 6 months, all of the sudden I was charged for 6 months worth of payments at one time because the " bank and Chase '' were not talking. Then suddenly, the autopay payments kept being returned and kept charging me a return fee. I ended up calling and getting some fees taking care of as I was trying to pay. I put in the exact same banking information and set up a " different '' autopay account which paid the fees. I closed the credit card and then a month later got a charge for {$4.00} AFTER THE ACCOUNT HAD BEEN CLOSED. When I called, they informed me it was the difference of a credit for the return fee and a new fee. I asked how exactly can I pay them as they would not accept a credit/debit card, it would be too late for them to mail me a statement, and the account number they use for my bank keeps causing issues ( even though it has been verified multiple times ).

This credit card company CAUSED MY CREDIT SCORE TO BE NEGATIVELY IMPACTED THROUGH AND BY NO FAULT OF MY OWN. Although I had attempted to pay my balance multiple times, I was not able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: COMMUNITY CHOICE FINANCIAL, 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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report, I noticed a hard credit pull from a company that I did not authorize. My credit is very important to me and I did not authorize this inquiry.

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 2018-10-03
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive received harassing phone calls, multiple times a day, company refuses to identify who they work for and request information about me ( social, birthdate etc. ). They have contacted my employer multiple times a day including my immediate family and children. I have spoken to the woman claiming to be XXXX XXXX and asked that she no longer contact me and to address any issues via mail. She continues to call multiple times a day to myself, employer and relatives. Company will not state thei babe and their number dies not match any company on XXXX. Their phone number is : XXXX XXXX I would like to file a complaint due to the numerous calls of harassment that are threatening my employment. Please help. 

Calls have been 7xs a day for the past 7 days starting on XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that ONLINE COLLECTIONS SERVICES Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the deb collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: VA
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 called Equifax on XX/XX/2022 to ask them to remove inquiries from my account as they are not mine. I spoke to XXXX different people and was hung up on several times. I called and spoke to XXXX supervisors one stated that they would remove the inquiries and put me on hold and the line disconnected. I called back and spoke to XXXX another supervisor who told me I needed to call the creditor back and ask for documents on their letterhead saying they have no info. I asked XXXX was he aware that Equifax is not allowed to have my info without my consent per 15 USC 1681, he stated yes. I confirmed again he stated yes again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: WELLS FARGO & COMPANY
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2021-01-26
Company: EQUIFAX, INC.
State: MD
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:
On my Three bureaus it is showing that XXXX XXXX is closed and charged off for the amount of XXXX. When I have a letter form XXXX  on their letter head showing that I DO NOT OWE A BALANCE! I have included the letter in this complaint and I would like to have the item updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The mortgage has been in trial for debt collection, the house is not insure. 
Due to the problems problems of the developer and damage of construction, the problems with segregation, problems with septic tank, problems with inscription of the development and houses, the houses have no insurance. 

My ex-husband and I, the court and the bank went to mitigation and we qualify for a refinance or modification of the loan, but the investor from the bank said that the house DO NOT qualify for any modification. 

The bank remove the loan from the credit report due to the situation. 4 years later is back again. 
The house can not be used because of construction situation and fungus. The house ca not be sale because of legal situation and banks do not want to give loans to this development. 

This situation had damage my credit report.

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 2019-03-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, 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:
After a careful review of my credit report I noticed a few inquiries on my report inwhich did not derive from my doing nor did I authorize anyone else to exploit my name, credit or any other personal information that would lead to an inquiry on my credit report. This could be an mistake on the credit bureaus part and/ or in conjunction with the theft of my identity awhile back. Hopefully the credit bureaus will remove the following inquiries from my file immediately and promptly. The inquires are 1 ] XXXX XXXX XX/XX/XXXX 2 ] XXXX XXXX   XX/XX/XXXX 3 ] XXXX XX/XX/XXXX 4 ] XXXX XX/XX/XXXX 5 ] XXXX XXXX XX/XX/XXXX 6 ] XXXX XXXX XXXX XX/XX/XXXX 7 ] XXXX  XXXX XX/XX/XXXX 8 ] XXXX XXXX XX/XX/XXXX 9 ] XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Resurgent Capital Services L.P.
State: GA
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 have not received written notice to dispute the validity of this debt. I do not have an account with this company. Once i receive written notice about this debt i can do my due diligence and determine if i should proceed with payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}, {$59.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R  226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$59.00} -This is not my account.

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