BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Despite the multiple previous written requests, the ARBOR PROFESSIONAL SOL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I contacted American Education Services today on XX/XX/2018. I requested the assignment documents of my loans to XXXX. At this moment the operator did not know how to respond and put me on hold. She came back on the phone to tell me due to high customer volume this request may take a while and she was not sure when I could be receiving these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My family was impacted by XXXX, I am in real estate and was unable to work and all of us were sick the first part of XXXX. We immediately utilized the XXXX assistance program for mortgages with Chase. We were assured we were safe for 90 days. We have paid our mortgage ON TIME for 14 YEARS!! Chase then reported my missed payment to my credit report and I contacted them right away. They assured me they would correct, and again they were there to support me and not to worry as they would be in touch after the 90 days to assist with options. I received notice of my loan being transferred to XXXX XXXX as of XXXX on XX/XX/XXXX via USPS. I immediately researched the company and there are a number of complaints about their unwillingness to support homeowners. They are in fact an REO machine!! I made several attempts to contact Chase ( waiting over 3.5 hours at a time on hold and then via messaging through the app ( as directed when they hang up on you after holding for 3.5 hours ). Finally got through today, and was told they are working on repairing my credit. I expressed my concerns with XXXX XXXX and the fact that I was being transferred 2 months behind in payments making me vulnerable to their questionable business practices. 
I do not feel this is fair or even legal, to sell my loan off during a global pandemic when my account was supposed to be on hold in the first place to protect my home!! Chase has left me vulnerable, and both companies are profiting off of a global pandemic!! I need help to stop this, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 I went to check my transactions for the last 3 months and seen XXXX was debited from my account on XX/XX/2020. The name of the store was listed as XXXX XXXX XXXX. I immediately notified Chase Bank and informed them of the transaction that was not done by me, or authorized to do so by anyone else. I was told my funds would be in the account within 12 to 24 hours a new car would be issued the old card needed to be cancelled. I explained that I was out of town and needed to not cancel my card until I was back home and would cancel the card the following Monday upon returning. Cancelled the card on Monday did a follow up on the XXXX of XXXX, no funds were placed into my account by Chase, I called back two more times to Chase no information and again was told funds would be in the account within 24 hours. Called back XX/XX/XXXX to Chase a representative name XXXX stated my complaint was denied, informed me to notify the police and there is nothing Chase Bank could do and no information was available to support the reason of the denial. Called Chase XX/XX/XXXX spoke with XXXX a rep for Chase and was told a letter was sent of the XXXX of XXXX and again I was told I would have to get my money from the person who stole it. I was told I have Fraud Alert and Fraud Protection that notifies me when a transaction is done but did not get a notification for this large amount. Again the representatives had no explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I can neither Access my Online Capital one 360 Checking Account Nor Fund/retrieve my Account Number and Routing Number, No way of making use of the Account, I have written Countless Feed Backs to Capital One back, but all were in Vain, It is as if, They do not Care about Customer 's Satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-07-13
Company: United PanAm Financial Corp.
State: OK
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:
XXXX and XXXX  will not remove this account that is over 7 years old the company say they have no control over how long it stay on my report then they say they dont even show me having an account with them. I want united credit auto removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Optimum Outcomes is sharing my medical information on my credit file ( which has been stolen ) and CFPB in XXXX. They are sharing private medical information and I would like them to stop due to HIPPA and privacy concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Nothing happened coronavirus came lost employment and went to work for food delivery was not making enough money to pay will not be able to pay have gotten quite I'll

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Kass Shuler, P.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I have been trying to settle an account with XXXX. In XXXX, I had been in contact with XXXX XXXX. I called him several times in an attempt to settle my account with him, but he would not offer a settlement to resolve this outstanding balance. I left several emails and made numerous attempts to try and resolve the matter ; but XXXX XXXX refused to give an offer and never returned my calls. I believe that XXXX  is in violation of UDAAP Unfair, Deceptive, or Abusive Acts or Practices. Not offering a settlement to resolve the account, not returning phone calls, basically ignoring my efforts for resolution. Instead of them working to help me resolve the issue they just took matters in to their own hands and issued a garnishment. I have tried to contact them concerning there actions as of XX/XX/XXXX where I was asked numerous times to leave a message and have not had a response from there office. I Have requested to speak with management only to be told I dont know how to reach a manager you will need to leave a message and they will return your call. In which I have never received a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have express my concerns to the different credit bureau agencies that my name is reporting incorrect. I have asked them to delete this information. I have submitted proof of this matter. The credit bureaus agencies are violating the FCRA by adding inaccurate and false information o n my report, that has led to denied loans, and a bad history. these issue has prevent me to better opportunities.

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 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This information is incorrect. It has previously been removed and is now being reinserted. 

XXXX Account Type Credit Card Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details - Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$750.00} Past Due Amount - High Balance {$720.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Ownership Individual 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 2018-01-31
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, a collection agency is reporting to all three major credit bureaus ( XXXX, XXXX and XXXX ) that I have a bad debt with XXXX XXXX from 2014. I have never had an account at XXXX and have been a customer of XXXX for over ten years. This account is in error and is being inaccurately reported. I asked them to produce written documentation that this is my account or else stop calling me and remove it from credit report. They never sent verification but they did stop calling. However this collection account is still being reported to currently to all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XXXX XXXX I sent TransUnion a letter through certified mail and with a green receipt. The letter I sent Transunion was in regards to 12 accounts being furnished that were paid for with my credit card. I believe in 15 USC 1681a ( 2 ) ( B ) where it states " any authorized or approval of a specific extension of credit directly or indirectly by the issue of a credit card or similar device. '' should be excluded from a consumer report. I demanded they remove the accounts and have yet to receive a response from them and it has been over 30 days. I need these accounts removed because it is very damaging to my reputation and is hurting my chances of getting a promotion at my job I have been working so hard for as well as causing conflict between my husband and I.

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 2018-11-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Ok..the lease for the XXXX XX/XX/XXXX.will be complet..XX/XX/XXXX..they repossition the car from my house..when the car is complet lease payments..now they allegy that i need to pay it in full..i be cery worry about it situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A company called Lonecare, LLC has sent me 2 letters demanding I send them documentation of supplemental tax payment. I have never entered into any contract or agreement with them to supply them any information on my loan status with XXXX, who I send my mortgage payment to. Lonecare is asking for information that was resolved on XX/XX/2020 by XXXX. If they have an agreement with XXXX, I would expect them to follow up with them. I will NOT be sending any information to them. By virtue of their own actions they are at least neglecant of handling my account information or anyone else 's. They should have knowledge that the issue was resolved from XXXX and XXXX should have already confirmed this with Lonecare with documentation they require.

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 2018-01-31
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
For 3 weeks I have been trying to get a repayment plan. I have been waiting on my point of contact to call me with the new monthly payment on the repayment plan. He finally called and told me we could only do a 10 month repayment plan and he would call me on Monday,XX/XX/XXXX to set up the plan. He never called and I called them ( Shellpoint Mortgage ) Tuesday and they informed me that the person I was speaking with did not know what he was doing and should not have told me I could get a repayment plan, because it was less than 15 days from the sale. They said it is nothing they can do. If I would have known 15 days ago I would have demanded a new person to speak with. I hope someone can help, because I don't think this is fair.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: REGIONS FINANCIAL CORPORATION
State: TX
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 an account with Regions bank on XX/XX/2017 after receiving a promotional offer in the mail of a {$400.00} bonus after signing up for online statements, and making 10 purchases within 60 days. This was all confirmed to me by the representative that opened my account by phone. He said the {$400.00} would post within 120 days after account has been opened. 

Regions is now offering the same promotion but has reduced the 10 debit purchases to 30 days. The person that opened my account made did not make mention of that and told me directly I had 60 DAYS. Which was the promotional advertisement by Regions, for 60 days. 

Regions is denying me the {$400.00} bonus saying I did not post 10 transactions with 30 days, even though their very own representative told me I had 60 days!!

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 2020-11-09
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:
These are not my accounts. I am not a credit repair company nor a mortgage company. Please remove these accounts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Experian Information Solutions Inc.
State: GA
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:
Incorrect Reporting-Very old account and still has n't corrected. 

XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor -  Company Sold-to SOLD TO ANOTHER LENDER Original Amount - Comments - Payment History XX/XX/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 2021-10-25
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I logged into XXXX to freeze my account, due to a recent identify theft, I noticed a charge of {$200.00} from Sequium Asset Solutions. I have no idea who they are and why they listed on my credit report for me not paying their charge. I have never received any correspondence from them. I disputed the charge with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The end of XX/XX/2020 we contacted Lakeview loan servicing based on their letter to us offering a good refinance rate. We have been in contact with them since, sending in documentation they requested, often the same documents multiple times and then having to submit those same documents again because of the amount of time. 
our initial contact was XXXX XXXX. 
We have talked to the loan processors. First one XXXX XXXX then XXXX XXXX XXXX around XXXX XX/XX/2020 ) who is our current loan processor. 
The home appraisal was done XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX early XXXX. 
It is now early XXXX and the manager of the loan processors has refused to contact us and the loan processors put the delays off on the underwriters who we can't talk to. says they can not help and processor company XXXX XXXX XXXX XXXX says they don't do Refinances. 

What is the complaint - First is the long time for processing over 4 months ; Second the lack of support to contact someone to address the issue ; third the appraiser company we were told we had to use we feel gave us a low appraisal for XXXX issues. The house appraised for less than we purchased it for 5 yrs ago, even though the community and area prices have gone up each year. 

Biggest issue is the lack of action and communication with us.

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 2019-06-28
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2018 XXXX I reported identity theft to my local police department due to inquiries that were not made by me I submit it to all 3 credit bureaus and only XXXX handled my problem and erased fraudulent inquiries Equifax and XXXX did investigation and did not make any changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called XXXX XXXXvictoria secret because its showing up on my credit report that I owe {$360.00} and XXXX told me that I had to pay {$800.00} and I wanted to settle the debt for {$50.00} weekly and he told me that he couldnt do that and I had to pay {$520.00}. This debt is reported wrong and he was being rude and disruptive while on the phone talking about the debt trying to make me pay more money that is owed.

Company response to consumer: Closed with non-monetary relief