BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-26
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I lost my job twice ; once in XX/XX/XXXX and again in XX/XX/XXXX. During this time, I struggled to make my monthly car payments and fell behind by 5 months, total. I spoke with the XXXX, North Carolina State Employees Credit Union and they asked that I keep them updated on my re-employment status. I kept in contact with them and let them know when I was re-employed. They informed me of the outstanding balance, which was about {$2100.00}, for my vehicle and that re-possession would be implemented after my loan was delinquent for 180 days. I asked if there was anything that I could do to put off the order, but XXXX, the SECU representative informed me that there is nothing that could be done to help me. Following the discussion, I saved enough money to pay the full balance. Once I paid, XXXX sent me a letter, stating that my car loan status was current and noted that the next payment was due on XX/XX/XXXX. I made my car payment on XX/XX/XXXX in the amount of {$450.00}. I woke up on the morning of XX/XX/XXXX and my vehicle was not in my driveway as I left it on the night of XX/XX/XXXX. I spoke with the bank on XX/XX/XXXX and they said that the amount quoted to me earlier did not satisfy my loan. I asked why was this not communicated to me. I satisfied the amount that she quoted. She added that I would have to pay the repossession fee of {$370.00} plus a daily storage fee of

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-04
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir/Madam, I have a mortgage with XXXX XXXX ( lending affiliate of XXXX XXXX XXXX , XXXX ) subserviced by Loancare , LLC. They have recently increased my monthly payment as they informed me that I did not submit proof for Home insurance. But this account is not a impound account and I am managing my home insurance outside this account by myself. I have proof that I paid my home insurance and I faxed them all the documents. But till date they have not changed the monthly payment amount and I am paying extra. I had multiple call with XXXX   but they are forwarding the call to various department but none of them providing any resolution and they are informing me that the case is being investigated. I have been contacting them from XX/XX/2019 to fix my monthly payment. But they have not fixed yet. Please advise. 

Previous monthly payment : {$2200.00} Modified monthly payment : {$2300.00}

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
Consumer complaint received 2019-07-04
Company: EQUIFAX, INC.
State: TN
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:
My complaint is pretty straight forward, I have address reporting on my credit that are not mines, Please remove any address that is not the address I am including in my attachments, I am not receiving my mail and I am not trying to be a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04
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:
XX/XX/2011 I was a part of the XXXX Database breach. I received a urgent message saying it was time for me to change my password, threw my play station. I quickly changed my password and continued to play my game. Later on that month I received a letter from XXXX saying the company had a breach in the network and I was affected. At the time I did not know what that meant but I filed a incident report. Now I have accounts reporting on my credit report that doesn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My complaint is pretty straight forward, I have address reporting on my credit that are not mines, Please remove any address that is not the address I am including in my attachments, I am not receiving my mail and I am not trying to be a victim of identity theft.

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 2019-07-04
Company: Experian Information Solutions 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:
XX/XX/2011 I was a part of the XXXX Database breach. I received a urgent message saying it was time for me to change my password, threw my play station. I quickly changed my password and continued to play my game. Later on that month I received a letter from XXXX saying the company had a breach in the network and I was affected. At the time I did not know what that meant but I filed a incident report. Now I have accounts reporting on my credit report that doesn't belong to 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 non-monetary relief
Consumer complaint received 2019-01-02
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:
I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately, Therefore. You are to present to me with a certification in testimony that the alleged accounts presented in Exhibit C are in fact compliant and not subterfuge? ( copied from the affidavit of truth and Facts )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately, Therefore. You are to present to me with a certification in testimony that the alleged accounts presented in Exhibit C are in fact compliant and not subterfuge? ( copied from the affidavit of truth and Facts )

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 2019-07-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I APPLIED FOR A GREEN DOT SECURED CARD IN XX/XX/2019. I NEVER RECEIVED IT. A FEW MONTHS LATER MY CREDIT REPORT SHOW A DEROGATORY ACCOUNT MARK. I SUBMITTED A {$200.00} AS A DEPOSIT. THE CARD NEVER CAME AND WHEN I CALL CUSTOMER SERVICE FOR THE CARD THE REQUIRE THE CARD NUMBER WHICH I NEVER RECEIVED. THE OTHER OPTION WAS USING MY SOCIAL SECURITY NUMBER AND I TRIED THAT AND THE SYSTEM SAYS THEY ARE HAVING TROUBLE FINDING MY ACCOUNT. THE CALL JUST CUTS OF AFTER THAT AND THERE IS NO OPTION TO SPEAK TO A PERSON. I COULD NOT EVEN BE RE-DIRECTED BY THEIR PREPAID CARD SYSTEM BECAUSE THEY ARE NOT CONNECTED. I WROTE LETTERS TO THEM AS WELL. I GOT NO RESPONSE AND THE NUMBERS GIVEN TO ME DO NOT WORK. I WAS ROBBED OF {$200.00} FOR A CARD I REPORTED TWICE. I GET ALL OTHER CONTACT ACCEPT MY PHYSICAL CARD.

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 2019-05-15
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:
On XX/XX/2018 - someone stole my identify. After a month or two of rigorous exercises to clear my name with XXXX. I did. XXXX from XXXX worked with me to make sure XXXX was taken off my credit report on the credit bureaus. Equifax ignored their request in XX/XX/XXXX. I contacted XXXX again this year via the XXXX and they reached out to Equifax again in XX/XX/XXXX - to no avail. I've been working with XXXX XXXX from the XXXX in XXXX over the last month - Equifax has been ignoring the XXXX and sending me generic letters staying that I need to followup with the creditor. ( Which I've done multiple times and I've told them multiple times that I have and have proof that the XXXX charge was fraud. ) Nothing seems to stick with Equifax. I called and spoke to a rep at Equifax, the rep literally told me " it doesn't matter if it was fraud or not, it will stay on there for two years. There is nothing you can do. '' I told the XXXX about this conversation and they said nothing. I am beyond frustrated, we're now almost one year later and the hard inquiry still remains on my credit report. I need action and resolution. I believe I am also entitled to compensation for all of my time invested in trying to remove this fraudulent activity from my account. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019 my mother contacted me and stated someone left her a message looking for me and left a number for me to contact. 

After looking up the number I found it to be to a XXXX XXXX dba Regional Financial. 

I sent them a Validation of Debt letter and a Cease and Desist letter ( attached ) on XX/XX/2019 via fax and addressed it to a compliance officer at XXXX. I have attached the fax confirmation proving they received it. 

On XX/XX/2019 I faxed another letter that included the XX/XX/2019 letter and stated it had been 30 days and they have not been able to validate the debt. 

as of today, XX/XX/2019 they are still trying to collect on a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I am been with Wells Fargo for 14 years I have credit car. With them. I over pay My bill. And when I ask Wells Fargo to increase my credit from XXXX to XXXX they say credit is not good enough This bank try to keep are people dont. Dont wan to work with people go get better credit. The way we have to pay super high interest

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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Student Loans reached a paid in full status on XX/XX/2020. Since then, I have tirelessly made an attempt to get my student loan status updated. 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 still has 3 inaccurate reports on my credit report. They are still reporting delinquencies which should no longer be impacting my score. They are still reporting this on accounts that have been completely paid in full. I have tried to negotiate with them and they still left these remaining accounts. All claims were also send to all 3 credit bureaus to report these discrepancies.

Under The Department of Education, I have 5 accounts still reporting delinquencies after the accounts have been paid in full. 

I have submitted these claims to TransUnion, XXXX and XXXX multiple times. These 8 accounts are still reporting and negatively impacting my score on accounts that should have been updated along with the other student loan accounts previously paid.

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 2019-07-04
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have a few addresses on my report that are not mine and I need removed from my credit report. I need my current and accurate information to show on my credit report. The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH 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 2019-05-15
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I did receive this letter few days ago and nearly paid for the requested amount because my wife got a traffic violation recently. Then I noticed the date and drivers license number which do not match. I did call XX/XX/XXXX to a number written on top of the page, which I found from XXXX County web site. I called from my cell phone at XXXX. I was told that the ticket was issued for someone with birthyear of XX/XX/XXXX. I do have a son born that year, however he has not ever resided in the address with me. I did ask him about it, he can't say for sure if it is for him and he seem to think that he has paid any and all traffic tickets he never received. Makes me worried, did some one steal my ID? If my son did not pay for his ticket, is the skip tracer making costly mistakes? What other information do they have about me? Could they damage my credit? Do they have my sos. sec. number? Should I be worried about my taxes? These are some of the questions I tried to ask on a phone without any success rather than additional questions. I do believe that sending threatening letters to random or wrong people is a violation of the fair debt collection practices act 1977.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted some documents to Transunion Consumer Solutions on XX/XX/2019. They sent me back the results as verified. Obviously they did not properly verify the accounts and can not verify the accounts as per the terms of Section 611 ( 5 ) ( A ) of the FCRA which states they must delete the unverified disputed account from the consumer 's credit file if it can not be verified. Credit Bureaus are " For Profit '' corporations. They must be held responsible for what they publish and sell to credit grantors. The courts have ruled that they are responsible for verifying the accuracy not 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 2019-05-15
Company: Thunderbird Collection Specialists, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was involved in a workplace accident while working for XXXX XXXX XXXX  in XXXX, Arizona in XX/XX/2013. I spent 2 days in the hospital in XXXX and collected tens of thousands of dollars in medical bills. The Industrial Commission of Arizona ruled in my favor and found my company, XXXX XXXX XXXX, to be at fault for the accident and ruled that they pay my medical bills in their entirety. They paid all of my bills, except {$840.00} for an XXXX service for XXXX I had because of the accident. 

Now, after applying for a mortgage, when my lender ran my credit score, I discovered this outstanding bill that is in collection with an agency called TCS Thunderbird in XXXX, AZ. Their number is XXXX-XXXX-XXXX. Today I spoke with XXXX who is in charge of my bill, and he said that I am now liable because of the amount of time that has passed. He also told me that filing an appeal or dispute was pointless because of the amount of time that has passed.

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 2019-07-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
For the last 16 months I have been receiving unsolicited marketing email from JP Morgan Chase ( JPMC ) and a third party company called XXXX XXXX XXXX ( XXXX ), which is financed by JMPC. Despite repeatedly requesting by phone and by email not to be contacted with non account related email, I continue to receive marketing offers inviting me to " save money on my mortgage '' and " download the app ''. As an XXXX XXXX  with experience in digital financial products I can confidently attest to the fact that the content of these emails is only pretextually related to my mortgage and it is marketing garbage. What is especially concerning is that JPMC has passed on personal, private information about myself and my mortgage, including email, interest rate and mortgage balance to XXXX. I am appalled at their disregard of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 GLA filed a collection debt of {$130.00} on 3 of my Credit Reports with out any written notice or communication of any Sort. I dont know who this company is but there tactics are bad. The Company they are reporting for said XXXX  XXXX and I dont have a debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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: Personal information incorrect

Complaint:
I haven't received any letters or phone calls about my loan.it just shows a negative status on my credit report. It be causing a emotional distress especially during this Covid-19 crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Bread Financial Holdings, Inc.
State: OH
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:
When I reviewed my credit report I noticed that there are inaccuracy on the late payments, on the month of XXXX XXXX  and XXXX  has no data provided but XXXX has it 30 days late payments which is clearly inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Sunday XX/XX/2021 I noticed that cashapp had closed my account without any type of explanation. Unfortunately Ive been investing in stock and bitcoin on the platform for quite some time. I had about XXXX bitcoin which at the time was valued at around {$42000.00}. When I saw that my account had been closed I tried to sell by bitcoin hand withdrawal the funds back into my bank account. The first withdrawal that I did was for {$4000.00} at XXXX on XX/XX/2021. This withdrawal was not sent to my bank and it was subtracted from my cashapp balance. I researched a little online and found out that sometimes for larger transactions cashapp may not be able to instantly deposit it so I tried doing smaller amounts and a few of them went through. I did several {$1000.00} withdrawals around the same time as the first one and some went through and others didnt. Im total I attempted to withdrawal {$25000.00} which is the weekly limit for withdrawals on my account and only {$9200.00} was deposited into my account. Additionally i still have {$13000.00} on my cashapp account that I am not able to withdrawal because I am at the weekly limit. I tried contacting cashapp about this major problem and all I got was a auto response from their support. I also tried calling them but they do not have a customer support number. I contacted my bank to see if maybe the transfers were just on hold and my bank told me that cashapp reversed multiple transactions. Im total I am missing {$29000.00} that cashapp seems to be refusing to give me. This is my savings and they are denying me the right to withdrawal this money and are not attempting to help me resolve this issue.

Company response to consumer: Closed with explanation