BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have contact XXXX  in regards to a 30 days late in XX/XX/XXXX being reported after I was granted an extension due to natural disaster here in Fl ( hurricane ), I also informed them of my diagnosis of XXXX and have always called and paid on my loan. I recently spoke with an XXXX agent on XX/XX/XXXX as I had just gotten out of the hospital, and my XXXXyo son attempted to take care of some Bill 's for me but was not aware o didnt use the checking info on file with XXXX  so that payment did not go thru. I usually pay them with my card due to them pulling payments days early when not authorized. I explained that to her and informed her I will be making that XX/XX/XXXX payment soon she advise that I make it by XX/XX/XXXX to avoid a neg reporting on my credit report. Then today XX/XX/XXXX I get an alert from XXXX  stating my account was reported as 30days late, when I attempted to dispute ( per XXXX  advise ) it tells me I cant dispute because I have already disputed the in accurate info from XX/XX/XXXX that was never updated/ changed as well. I would like my report to reflect accurate information as it drops my score when they do this and there is no accountability just the run around. Also I have paid over {$10000.00} on my loan since XX/XX/XXXX and my report only reflects {$2000.00} has been paid over the course of 3 years.

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 2017-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am on the lifetime opt out of credit card advertising and capital one. The company sending the advertising is Capital One, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I have also called them by phone to see why they are in violation of the law about sending me offers no answer given just " Sorry '' Blatant disregard for the law. These offers need to stop from them and all the other credit card companies such as XXXX XXXX and XXXX have also sent me offer and Yes I have called them to ask the same question. I have been on the list for two month know " Why are they breaking the LAW? Why is the List not WORKING? Why are you NOT ENFORCING COMPLIANCE?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Prosper Marketplace, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Prosper Marketplace Accountnumber XXXX failed to notify me about reporting derogatory info. to XXXX and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, Prosper Marketplace '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Prosper Marketplace failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the XXXX and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the XXXX XXXX Prosper Marketplace is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard 980 S.W.2d693 ( Tex.App-San Antonio 1989 reh.den. ) citing Monroe v. Frank 936 S.W.2d 654 ( Tex.App-Dallas 1996 writ dism 'd w.o.j. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: AES/PHEAA
State: CA
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 applied for a public safety loan forgiveness ( PSLF ) waiver ( Waiver Program ) the Federal Student Aid department of education on XX/XX/XXXX. I have been a public servant since XXXX ( XXXX years ) and also on a XXXX federal student loan repayment plan since XXXX. Under this new Waiver Program, my XXXX student loan payments will now be considered a qualifying payment under the PSLF program. I estimate I have made 190+ payments to date, when I only need 120 to qualify. When I submitted my application, I was told that the Department of Education ( DOE ) would need 60-90 days to qualify.

I contacted the Federal Student Aid Program several times during this period to verify my application status. On XX/XX/XXXX, I was informed my application was being denied for lack of a " wet ink signature '' on the application by myself and my employer. Both my employer and I had digitally signed which was in violation of the DOE 's application requirements. My issue is that the DOE did not notify me of this deficiency for four months. When inquired over the phone as to why I was not timely notified, I was told they were just too busy. The Student Aid Program instructed me to resubmit my application which I did on XX/XX/XXXX, and received acknowledgement back from the program by mail with a letter dated XX/XX/XXXX. 

In my conversation with the Federal Student Aid Program today ( XXXX ), I was told that my resubmitted application was still subject to their 90 day processing timeline and and would not be processed any faster, despite my applying for the Waive Program in XX/XX/XXXX. I have a real issue with this as the Cares Act federal student loan forbearance program expires in XX/XX/XXXX which will result in my having to make additional payments on a loan that I will have already overpaid for under the Wavier Program.

Any assistance you could provide would be very helpful. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
Around XXXX XXXX, XXXX I sent a letter to Equifax for them to verify/investigate the accounts, collections, and inquiries on my credit report. On XXXX XXXX, XXXX I received a letter from Equifax stating they are unable to locate a credit file for me. I have a hard time believing that, seeing is that I sent a copy of my id and social security card. I 've sent letters and called Equifax in the past and they were always able to pull up a credit file for me. I 'm not sure what 's going on now, but this letter is incorrect. I need Equifax to verify all accounts, collections, and inquiries on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Model Finance Company
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: Account information incorrect

Complaint:
XX/2015 I voluntarily surrendered my vehicle in question to Model Finance, this is the first thing they are showing incorrectly. Second I was never late on a payment. Third they have sold this account to a collection agency XXXX XXXX XXXX so now Model Finance and XXXX XXXX XXXX are showing on my credit reports. I have disputed this several times through the credit bureau 's and called Model Finance on many occasions to no avail. I 'm not saying its not my account, just one needs to be removed or the other reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my checking account got charged 30 dollars than another charge on XX/XX/XXXX for XXXX dollars and XXXX dollars total amount taken out from my checking account was XXXX dollars. I got denied a claim for unauthorized charges from chase I had to provide different documents to proof I was scammed I send more documents with chase because they denied the claim and then I called XXXX XXXX I had to make several calls to talk with the merchant as the fist time they told me to call back in a few days I tried to explained to the supervisor from XXXX XXXX of the issue he was very rude then again I called once more told them I never received the 30 dollar service and the minutes are still there to check it's not until I tell them the minutes are still there they tell me I use the service and that they can only refund 30.00 dollars I felt scammed by XXXX XXXX I was unaware of the rates of the service they charged me because it was a different service the agent from XXXX XXXX  who charged me XXXX dollars did not tell me I will get my 5 free minutes first or the rates of the person she chose for me without asking me I also called chase on week XX/XX/XXXX to get my debt card cancelled they told me they can't do that because I'm a new client and to go to the branch so I no longer feel secure or protected by chase as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called CiTi credit card and advised them that I lost my card, and they should watch for possible fraud. They told me I should close my account. So, they went ahead and closed my account. I told them to apply my cash reward to my account. Later they refuse to do so. I sent them XXXX letters and they still refuse in the meantime they keep charging me late fees even though I sent them the full amount that was due according to my records. They claim because I closed my account on their recommendation that I forfeited my cash reward. Now they are ruining my credit score has dropped by like XXXX points.

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 2019-06-25
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent continuous letters to Equifax, asking for proof on 6 accounts that they reporting on my credit report. They just answer that the account are been verified, I asked how they verify this accounts and never answer my petition. I don't remember having any business with companies. That's why I'm soliciting them for proof of valid information to keep this accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I've purchased a vehicle in XX/XX/XXXX and financed by Flagship Credit. My purchase included service contract for {$990.00} and additional warranty for {$3000.00}, but since my vehicle is a Certified vehicle with excellent warranty, I cancelled both contracts with XXXX XXXX. They sent the check to Flagship and both checks were cashed on XXXX. They credited my account {$990.00}, but but not {$3000.00}. When I called, was told to provide the letter from XXXX, which I provided on XX/XX/XXXX, nothing happened, so I called week later, and story changed, letter is not good enough, they need image of cancelled check, so XXXX sent it to me on XX/XX/XXXX, and I sent the information to Flagship. Than I was told it will take couple of days to verify, but nothing, it's been 2 weeks and no communication of the status, all I hear is I can't talk to accounting and I have to wait as Customer care do not have any information. I've been calling and emailing for almost a month now and I feel they are stalling or not looking into my request. This is no way to do business, if I'm late on my payment, I'm sure they will send notification right away. All I want is my money credited to the 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
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting a late in XXXX that I should not have. This was due to a technical error on their half and they said it would be removed. There should not be a late on this 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
Consumer complaint received 2018-10-05
Company: TIDEWATER FINANCE COMPANY, INC.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I bought a car while I was in the process of filing chapter XXXX bankruptcy in XXXX. I finance the car through Tidewater Finance Company. It was a XXXX XXXX XXXX. Because my chapter XXXX had not been completed and discharged when i purchased the car, it was also included in the bankruptcy. I fell on hard times in XXXX and the car was voluntarily repossessed because the motor went out and I did not have the money to repair it. Even though it was included in the bankruptcy, they still continue to come after me and will not remove it from my credit report. This is not right. They resold the car and got there money. I want this permanently deleted off my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had a wells Fargo account since XX/XX/1990. Currently I am in the hospital with having a XXXX. I am in XXXX. I receive my pension direct deposit into my account for years. After having the XXXX I lost my username and password. I have tried to solve the problem with them for a year now. They said I have to go into a branch to fix it. Because of being trapped in the hostpital and covid I could not do this. So eventually the bank told me to just call the telephone banking system and instead of entering the pin number I could access a limited summary of my debits and credits to my account. I have been doing this for months now and it was working fine until recently. When I call telephone banking it no longer gives me the option to enter the last 4 of my social security number to gain access. It simply routes me to a banker and they don't help. I escalated it to the executive office for a resolution and they sent me a. response letter that contains no resolution. Please I need to be to at least check my deposits and debits! I have automatic payments withdrawal. Also I have my pension direct deposit into 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
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions DEPT OF ED / XXXX A ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount : XXXX  XXXX XXXX Account XXXX XXXXAmount XXXX {$11000.00} /Charged Off XXXX XXXX XXXX XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXXXXXX XXXX XXXX/ Amount $ XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXX-Closed -Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my wallet before the pandemic in XX/XX/XXXX. The transactions in error started in XXXX. I was working off and on doing side jobs at that time so I had steady cash flow, I did not have any reason to use any of my cards. However, The Chimes card, my unemployment card, XXXX XXXX card, etc was in my wallet and the wallet was lost/stolen. I found out that I had unauthorized transactions on all of the accounts when I viewed the online statements involving the missing cards. I reached out to Chime online banking to make them aware of what had happened. I was told that they would file the disputes and that my account would be credited back. I sent a police report to verify that my wallet had been lost/stolen but somehow the police that wrote up the police report forgot to add the other cards that were missing so I sent them the police report that I had. The amount was around five to six thousand dollars based on my understanding that the resolution department disputed thirty-five thousand. I filed two claims this has been going on since XX/XX/XXXX. And nothing has been done about the unauthorized transactions in error. I rebutted the unauthorized transactions as well. I was told today that they could not locate the transactions in error and Chime keeps asking me do I recognize the transactions in error I keep explaining to them no I don't because my wallet was lost/stolen. Chime also, stated that they had cancelled the old card and that when I receive the new card I could call them back and they dispute the charges and that they would credit my account back but that never happened. I want the deposits that went into my account put back on my card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: TD BANK US HOLDING COMPANY
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:
TD BANK US/TARGET CREDIT. HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NO MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
One Main Financial at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX continues to use harassing tactics by calling from multiple branches throughout GA and AL. I have received 9 calls from various numbers since XX/XX/19. I have looked up every number and they all say One Main Financial. As I block a number, they call from a different location.I have spoken with them several times to voice my concern about the harassing calls but they continue. They told me they can call several times a day. I have gone online and scheduled a payment for XX/XX/XXXX. I owe {$320.00}, I've scheduled a payment for {$250.00} today online. Leaving {$78.00} balance to make me current. The payment has to show on their end. I can't believe that they have continued to call me additional times today, XX/XX/XXXX, since I set up the online payment. The calls come from different branches. The numbers they have called from so far are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
The account XXXX XXXX is reporting is a charged off account which is canceled debt. A 1099c was issued. The account turns into gross income. Income can not be reported on a consumer report per federal law. This account is reporting inaccurate information. 
Consumer reporting agencies don't have permissible purpose. I have not given written consent. 
Delete this account from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Shellpoint Partners, LLC
State: VA
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 closing on a refinance Va Loan on XX/XX/2019. The terms were that we can skip XX/XX/XXXX and XX/XX/XXXX payments. Mortgage co., XXXX XXXX XXXX screwed up the closing and did not disclose to us to pay XX/XX/XXXX payment. We moved with the closing into XX/XX/XXXX, funding was not paid to NewRez mortgage. On XX/XX/2019, we were instructed to pay XX/XX/XXXX payment and the new terms were skip XX/XX/XXXX and XX/XX/XXXX payments. Even though NewRez mortgage received their money, they went to as far to report us 30 days late for XX/XX/XXXX payment. I in-turn called XXXX XXXX XXXX to report the problem. As of today neither XXXX XXXX XXXX or NewRez mortgage corrected XX/XX/XXXX 's late payment. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation