BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: Security Credit Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collection agency Security Credit Services Last reported XX/XX/2022 Account status last reported as Opened XX/XX/2022 This collection agency is reporting this account incorrectly. This account is being reported as open. A collection by default is late, therefore there should be no balance, past due or otherwise on this account. This company can not produce the trilateral contract that I have with them. The debt has already been brought. I have filed a dispute due to this collection agency reporting on this account incorrectly. Commerce law 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: TX
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 disputed with you many times inaccurate information and unverified that is holding me back from getting a new vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received a statement until recent months. I work with XXXX XXXX XXXX in XXXX at XXXX hit hard by COVID 19 and poverty. I did had no knowledge of a garnishment played on me because nobody ever cared to call or e-mail me. I asked why not call me instead of garnishment? We dont call millions of customers everyday. Millions of customers getting sent to the feds for garnishment? Excuse my sarcasm miss but this is bogus. So you reported me the same company late on one hand miss, and with the other you reported me and on time in the same month with the same company on another account? Why reestablish my account and put harm on me then. I figured I was moving forward during a pandemic. Finally was able to pay and bammmm here is your reward : 3 late marks and a collection account I did not see coming. Three consecutive late marks appeared : XXXX, XXXX and XXXX. Seems bogus since I just bought my dad an XXXX  XXXX using my star card. I may cancel my account anyhow and inform the exchange that I cant deal with this harm to me. It is destroying my credit at a time I need it the most.

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 2022-11-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This XXXX is currently showing 30 days late way back XX/XX/XXXX, XX/XX/XXXX and in XXXX to XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX XXXX XXXX : {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is refusing to delete credit inquires that I did n't apply for credit with for the following companies.
XXXX XXXX -- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX They will not delete an account in which I was listed as an authorized user for and it should n't been on my credit report.
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i had a loan with kia finance- i paid the loan in full on XXXX after loan was paid in full, i did not realize that auto pay still sent another payment of XXXX on XX/XX/XXXX. I have called at least 20 times, unable to speak with anyone due to high volume of call and says to try again at later time, I have sent 3 emails to the customer service to request refund of XXXX, emails sent on XX/XX/XXXX, XXXX and XXXX I receive auto reply that says they have received message and will respond with 2 business days. I have yet to receive any responses.

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 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution.

Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.

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 2023-01-09
Company: ZARVAD III S.A.
State: CA
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:
This company operates illegally in XXXX. They do not have a license to lend here, which they have admitted. They charge illegal interest rates far above what California law allows. Their contract states you pay one amount, yet they charge you another. Their contract states you owe one amount, yet you actually owe another. Their contract states you've paid one amount, yet you've actually paid another.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Utah System of Higher Education
State: MA
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've seen no changes for the accounts that I have filed last month I still can see multiple 120-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Bread Financial Holdings, Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All of my comenity bank accounts went into LATE payment due to an issue with autopay with the bank and comenity bank. Before I left for XXXX, I made sure AutoPay was on. I'm not sure what happened but my Autopay did not go through. So for two months, My accounts were not paid. I had a friend to call comenity bank to fix the issue once I realize all my accounts were late. I called comenity bank and told them the bank said it was an issue. I had many returned checks because of this. comenity bank said it was the bank fault and not theirs. 

I asked comenity bank to please remove the late fee 's since we see it was an error and I was away on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2018-03-01
Company: PHH Mortgage Services Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to the best of my ability for a XXXX year to save my home. I have lived in this property for over twenty years and want to continue to remain here the rest of my life. I would like to receive a reasonable modification but have been told that I have to pay the arrears of {$21000.00} which I am unable to do. I deeply fill I am discriminated against. I need the mortgage company to work with me. I fell behind due to a loss of income, illness myself and partner plus a major home repair that had to be taken care of. All is well now and I am able to pay my adjusted modification mortgage when given. I am working plus my monthly Social Security is enough to take care of my mortgage, I am asking for your assistance in the handling of this matter as soon as you can as I don't want to loose my property. Thanking you in advance, Kindly,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This just proves that XXXX, XXXX and XXXX Credit Bureaus are lack proper record keeping. Now, this account is reporting to be mine, yet it is not familiar to me and pulling my scores down. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was not mine. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.

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 2017-09-14
Company: EQUIFAX, INC.
State: CA
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 was notified by the news, not by Equifax directly, that my personal information was stolen as a result of negligence by Equifax. Using Equifax 's own online system at XXXX XXXX XXXX I confirmed this information. I now have to worry for the rest of my life about my personal information being used to opening illegitimate accounts and debt. This has a financial repercussion in the thousands or tens of thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Experian Information Solutions 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:
I have 3 mortgage hard inquiries on all three credit bureaus I didnt not authorized or have any knowledge of. As they should see, I have no open mortgage accounts. Also, I have 1 extra hard inquiries on equifax from a car dealership that I have no knowledge of. I have called the credit bureaus to dispute the hard inquiries but no help.

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 2017-08-09
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
These lying thieving crooks at Ocwen has crosssed the line ; but on second thought, I do n't think it is Ocwen. Ocwen 's Attorney, XXXX XXXX filed provided false information of ownership to a company called XXXX, and they broke into my home ; broke my door ; ripped up my carpet ; and tried to have my utilites transferred to their name. They told XXXX that they filed foreclosure ; aka stole the home on XX/XX/XXXX ; but the attached letter from Ocwen 's Ombudsman said that they would have a written response by XX/XX/XXXX. These guys are a joke ; that is no longer funny. We filed a Police Report ; and they are filing charges of Theft By Conversion. Ocwen 's Attorneys XXXX XXXX hope that we go to Civil Court to resolve it ; but we are NOT. That ' s just billable hours in front of a clueless Judge who is part of the problem. The Punitive Damages will come later in a Federal Court ; after the criminal issue. We are working with Law Enforcement ; both local and Federal ; and at the right time will get an Investigative Reporter involved to expose all of this mess. We are also contacting our Congressman and Attorney General. As Veterans, we are tired of hearing thank you for your service ; and continously going thru this known crime. This Company, Ocwen that has been sued AGAIN for Theft Of Homes, aka Illegal Foreclosures ; and has been banned by 25 States need to be shut down ; so If they want to thank us for our Service, then hold these crooks accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Lockhart, Morris & Montgomery Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested a copy of the contract to pay the alleged debt collector and the debt collector failed to verify debt owed to them. Debt collect could not furnish a signed contract for me to pay the alleged debt to their agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I turned in the XXXX XXXX XXXX under miles and in solid condition. I scheduled the handover with the dealership and the representative looked over the car. I made the payment due and was due for 2 more payments which they told me would be billed. I received a condition report the {$220.00} total was due at {$110.00} each tire. I received a letter dated XX/XX/XXXX, stating this is not a bill, but {$1800.00} was total. Another letter dated XX/XX/XXXX was sent out stating how they calculated what is owned as follows : " we used the proceeds from the sale to determine what amount, if any, you still owe us. '' But the amount was the same as in XX/XX/XXXX letter which was not a bill. I have contested the amounts due as I am being charged for tires that were returned with adequate tread. They forwarded a picture which purports to be of tires, after they claim they sold it and you can't even see anything to document that it is even a tire. I sent in check for 2 months and they return check saying couldn't identify even though name, address and 4 last numbers of lease were included. I have resent a check for the 2 months with complete lease number around XX/XX/XXXX and to date do not see it processed. They have told me 2 different ways of determining what I owe but the amount stays the same. Over the phone they said they sold the car but can not produce the bill to show what proceeds were received. I disputed the amounts due back in XX/XX/XXXX. I dispute that the tires were worn as they detailed, they were returned with adequate tread.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My information was used to try to open an account at a bank. Account was declined. They have a lot of my information.

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 2019-09-27
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Pioneer Credit Recovery Collection calls numerous time a day and never leave a message. I will not answer calls unless they're in my contacts. I found several complaints for this number, some have answered and they said they ask for personal information right up front and claim bogus amounts of money you owe. I can block the number but XXXX XXXX says they can get you money if they keep calling?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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: Public record information inaccurate

Complaint:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. I have never filed for any type of Bankruptcy.

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 2020-06-02
Company: ALLY FINANCIAL INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Paid off my car loan on XX/XX/XXXX. Requested letter of lien release so I could sell the car immediately. This was the reason I paid the car off years early. Was told after the fact that an unexplained 10 day holding period was required by Ally Bank ( not sure why this would be necessary ). No mention of this was made at or during the time of the loan payoff. Had I known this I would not have invested in advertising my car for sale that day. Today is XX/XX/XXXX ( beyond the unexplained 10 day hold ), still no release provided or any communication as to when I will receive it. As a result I am being continually denied the right to freely sell my property. Ally Bank tells me they will only mail or possibly fax a copy of the letter once generated, no email capability or other modern electronic capability exists there to expedite the request. It's as if they still use stage coaches there. As a result of this delay I have lost opportunities to sell the car to interested parties while I wait for Ally Bank to act and fulfill their obligation to release the lien upon payment. I've reached out on a daily basis to Ally Bank via phone and chat to ask for resolution. No process exists according to the phone operators to accommodate or expedite this. Zero care or consideration. I'm prisoner to their antiquated ways.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I applied for the loan forgiveness in XX/XX/2019. I didnt qualify after working 11yrs and not missing a single payment. I then got a bill that they r withdrawing XXXX then I got another bill that they r withdrawing XXXX? I cant afford that.. my income driven amount is XXXX. Im frustrated.. as I cant make that much of a payment and seem to be getting nowhere with this company. I am a current student, a single mom with XXXX kids. I thought they would be helping me not doubling my payment amount. This is completely wrong of this company to not help but increase my payment? Im deactivating my direct deposit as I dont trust this company.. never was told my loan would be transferred from great loans..

Company response to consumer: Closed with explanation