BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: BlueChip Financial
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I HAD ALOAN WITH THEM AND NEED TO FIND OUT LOAN NO. EXCESSIVE FEE AND INTEREST PAID ON THE LOAN

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CITIBANK, N.A.
State: FL
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX/CBNA, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose. 
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 non-monetary relief
Consumer complaint received 2020-10-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
WE ARE IN THE PROCESS OF A VA IRRL. I MAILED A CK TO NEW REZ ON THE XXXX OF XXXX AND REALIZED IT WOULD NOT CLEAR IN TIME TO SHOW XXXX PAYMENT POSTED ON TIME. SO I STOPPED PAYMENT AND CALLED IN A PHONE PAYMENT CONFIRMATION # XXXX. HOWEVER, NEW REZ DID NOT REQUEST THE ACH TRANSFER FOR MY PAYMENT FOR XXXX. I THEN CALLED IN ANOTHER PAYMENT CONFIRMATION # XXXX PROVIDED BY NEW REZ. MY LOAN HAS RECORDED AND SINCE THE XXXX HAS NOT POSTED NOW WE ARE SHORT TO CLOSE THE LOAN.SO TODAY NEW REZ STATED ANOTHER 2 TO 3 DAYS TO POST MY PAYMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to request my credit report in different credit monitors such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and all 3 give me an error since they indicate that my SSN is incorrect, I have called the offices to correct this error, but I continue without obtaining results, they told me that it had already been resolved, which is a lie because I still can not obtain a credit report, the error is theirs since my SSN is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: AES/PHEAA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: NJ
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:
Equifax is reporting 6 fraudulent accounts on my credit report 1st one reporting from XX/XX/XXXX is XXXX XXXX  2nd one reporting is XXXX  XXXX  XXXX  from XX/XX/XXXX 3rd one reporting is credit first from XX/XX/XXXX 4th one reporting is XXXX  XXXX  from XX/XX/XXXX also XXXX XXXX XXXX reporting a balance of {$12000.00} these have wrong payment historys and wrong address on them not my accounts no signed contracts for any of these accounts and a XXXX XXXX  account reporting a balance of {$8900.00} none of these accounts have my address in it or signed contract please remove or I will sue for Incorrect reporting as my rights are being violated I will sue as I have the right giving to me by the fcra Equifax will provide documentation showing me what proof they have to report these accounts also XXXX XXXX  loan sr reporting a balance of {$22000.00} please show me a signed contract between this merchant and I the proof you have to report this and other accounts also there 6 inquiries that are fraudulent XXXX XXXX  XXXX XXXX XXXX from XX/XX/XXXX also XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX also thd XXXX XX/XX/XXXX also XXXX XXXX from XX/XX/XXXX also XXXX XXXX XXXX from XX/XX/XXXX also XXXX XXXX from XX/XX/XXXX Equifax is required by proof to show me proof of the documents they have to report these accounts why they are reporting or remove these accounts if they cant verify it no e Oscar I demand a proper investigation and if these Erroneous items arent removed I will sue Equifax for incorrect reporting under the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTAGATION RESULTS. IT HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/20 30DAY DEMAND XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
XXXX is refusing to remove fraudulently opened account by edge auto who is no longer a business. I was able to get the account removed by transunion who did a investigation but the other bureaus are saying that sanatander is validatthe account. The account was fraudulently opened because the sales man XXXX at XXXX XXXX which is no longer a company went out of business due to fraudulent activity lied and said I was trading in my old car when I never traded it in. XXXX took a XXXX of my old car title and submitted it to XXXX without actually taking my car. I was submitted into a loan that I never agreed to and the state of Michigan sued XXXX per attorney general XXXX XXXX they are suppose to forgive my loan amount. The entire account is suppose to be deleted off all my credit reports. I have reached out to XXXX numerous times they place me on hold and hang up. This is my 2nd complaint

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: 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:
I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as XXXX, Equifax and XXXX  all accounts listed in Identity Theft which are not mine.Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. 

I look forward to a timely and amicable resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Diversified Consultants, Inc.
State: PA
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:
This account is going from one debt collectors company to another and is damaging my credit. This is not my account, account belongs to my ex-wife and I did not authorized for this account to be open under my name. If you ask me for documentation I will provided you with a copy of the contract and you will see is not even sing by me. Last year this account was transfer to XXXX XXXX and now is with DIVERSIFIED CONSULTANTS INC, I contacted XXXX XXXX by mail and XXXX  and I have copies of those letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 been trying to submit these documents online regarding this incident on identity theft and I was given an error message from the online team XXXX error XXXX then I was told to call consumer relations to have an update ... then called them and they told me to contact the online support ... so now im upset that I have tried mailing with no success online with no success so now im submitting it this way ... this is regarding the rest of the information that I received regarding the identity theft on my file, .... that I have been going through since XX/XX/2009 but more recently getting more calls on these accounts that were opened as a result of identity theft and a recent one from XXXX XXXX,,,,,, I have been trying to research who could possibly bee doing this .... I can not change my social security number so I really don't know what to do,. I filled out an FTC affidavit from the .gov website with the accounts that are fraudulent .... the bureaus for the most part have removed the fraudulent addresses and some other personal information that was fraudulent these are the accounts that I have also mailed to you about 2 months ago now at the end of XX/XX/XXXX so im trying to get it to you this way since I can't seem to get it to you any other way so I can finally get all this mess straightened out the accounts are XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2019-02-21
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, Receivables Management Corp., located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX, appears to be in violation of the Fair Credit Reporting Act. Receivables Management Corp. placed a negative collection account on my XXXX  credit report, that I have no knowledge of, without notifying me before placing the collection account. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. Prior to Receivables Management Corp. placing the negative item on my reports, they made no attempts to reach me regarding the alleged debt. This alleged debt is also listed on my credit report with the Open Date as INVALID DATE and original creditor XXXX XXXX XXXX. I have no knowledge of either of these two companies and it appears that Receivables Management Corp. is continuing to report a negative account without complete or accurate information. There is no basis in law that gives this company or XXXX the right to place a negative unverified collection against me without adequately confirming the debt truly belongs to the individual FIRST. Therefore, I would like for this company to delete the negative listing and cease reporting this erroneous account to the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Transunion regarding this inacccurate information on my credit report and they have yet to remove this inaccurate info. In addition I have contacted the source in which they claim to have verified the information and that stated, in writing that they have no record of any information and no idea why Trans Union is reporting this lie. I have called them and they have given me nothing but the run around. I need help because this is adversely effecting me.

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 2020-09-03
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened a Citi gold account ; linked my XXXX account on XX/XX/2020. Citi bank made credits and a debit for verification and asked me to verify those cents. After the verification they linked the XXXX account in their web site on XXXX. I made a transfer from the Citibank web site on XXXX of {$78000.00} and the money was credited XX/XX/2020 Auto S1 Debit CITIBK CK WEBXFR TRANSFE - {$78000.00} The Citi bank electronic transfer team tried to reach me for verification, but unable to contact me and the rejected the transfer on XXXX and said that the money will be returned to my XXXX account in 3 to 5 business days. But I do not see the money credited back to my account. When I contacted the Citi bank, they told me to reach to my XXXX XXXX and ask for the money. I contacted the XXXX and they did not see any transfer back from Citi to my XXXX account. The rep from move money team of the XXXX XXXX  was very helpful and she was in a conf call with Citi rep asking for the details of how the money was returned to XXXX. The Citi rep is unable to provide any info / offer any assistance. I need help to get the audit trail of the money and have it credited back to my account and either complete the transaction or return the money.

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 2020-09-03
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTAGATION RESULTS. IT HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/20 30DAY DEMAND XX/XX/20

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 2020-09-10
Company: U.S. BANCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Over the life of the loan, we have paid every month more than the minimum payment of {$250.00}. We believed the " extra '' {$19.00} a month was going towards the principal, but we recently learned that the " extra '' was being applied to future payments. This resulted in our current outstanding principal being about {$2000.00} more than we thought it should be. We have called U.S. Bank twice and asked to have the previous payments reallocated. After the first call, we never heard anything. When we called about two weeks later, on XX/XX/XXXX, the representative said " the back office didn't understand the original request. '' No one had contacted us to clarify the request. The rep we spoke to on XXXX XXXX said she would make the request again, it would take about three business days to make the change, and then we would get a letter in the mail confirming what had taken place. It has been 8 business days since that call. I followed up today ( XXXX XXXX ) by email and requested an update in writing.

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 2019-02-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Checking account in Chase Bank on XX/XX/2019. I opened it online and there was an offer that if I make direct deposit of {$500.00} in first 60 days of account opening, then I will get bonus of {$200.00} within 10 days. While opening the account online, it says " COUPON APPLIED AUTOMATICALLY '' so i don't need to apply any coupon or visit the branch for the same. My first direct deposit was made on XX/XX/2019 ( {$2000.00} approx ). After that second direct deposit was made on XX/XX/2019 ( Almost same amount ). But I didn't get my bonus. I called customer care on XX/XX/2019 to enquire my bonus, they said that I did not applied coupon so I will not get the bonus. I explained them that the website is saying that coupon is automatically applied. Then they asked me to visit branch. I visited the branch on XX/XX/2019 and meet the relationship officer " XXXX XXXX ''. She said that as I opened account online so branch has nothing to do in it and sent an email to branch manager Mr. XXXX XXXX. Address of branch is XXXX XXXX XXXX XXXX XXXX, Il-XXXX. I got a call from the manager on XX/XX/2019 regarding same and he also tell me the same story of coupon. If the coupon is not applied, then it is the glitch on the bank end, then why should I suffer. 
Please help me to get my bonus. 
Thanks. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation