BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
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:
Once again theyre removing and resubmitting inaccuracies on my credit report. I have submitted those documents to the credit bureaus along with documentation from the bankruptcy court and police department and still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX deducted {$970.00} from my checking account on XX/XX/20 that I did not authorize. I have filed a claim with XXXX XXXX XXXX but they can not provide documentation regarding how this transfer was done, who did it, where the money went, etc. I have also requested such information from XXXX and have yet to receive that 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 monetary relief
Consumer complaint received 2023-06-19
Company: Affirm Holdings, 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:
This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Company : AFFIRM Loan ID : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I WAS APPROVED FOR A TRIAL MODIFICATION. I COMPLETED THE TRIAL PAYMENTS REQUIRED. I RECEIVED THE PERMANENT LOAN MODIFICATION. I SENT THE PERMANENT MODIFICATION BACK WITH A COPY OF THE QUITCLAIM DEED FOR THE CO-BORROWER. HOWEVER SPS HAD NO INTEREST IN ACCEPTING MY PAYMENTS AND INSTEAD INITIATED THE FORECLOSURE PROCESS AGAIN. I COMPLIED WITH ALL THE PAYMENTS. I MADE MY PAYMENTS ON TIME AND IN FULL. THEN SPS CAME BACK WITH AN APPROVAL, A REPAYMENT PLAN THAT IS NOT WITHIN MY MEANS.NOW THEY ARE FORECLOSING ON ME WITHOUT GIVING ME ANY OPTION TO AVOID FORECLOSURE. I COMPLIED WITH ALL OF THE TRIAL PAYMENTS. I SENT BACK THE SIGNED PERMANENT LOAN MODIFICATION DOCUMENTS. I MADE SPS AWARE THIS ENTIRE TIME THAT ONLY I THE PRIMARY BORROWER WOULD BE SIGNING THE PERMANENT LOAN MODIFICATION DOCUMENTS AND WAS TOLD THIS WOULD BE OKAY AS LONG AS I PROVIDE THE QUITCLAIM DEED, WHICH I DID. SPS RENIGED ON THE SIGNED AGREEMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Johnson Mark LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX had won a default judgement to garnish wages and in doing so, they over garnished my wages by XXXX as well as were suppose to credit me XXXX that they over charged and made error in calculating. They also collected XXXX on a judgement that was awarded in amount of XXXX. They claimed the additional XXXX was interest accrued however, the judgement already included interest owed because the original debt was only XXXX. So, not only did they charge me interest twice but then they over garnished me on top of that and charged me XXXX for fees that were in error and never refunded to me either. I would like my money returned that was taken and charged wrongfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I paid a a loan and two credit card payments on line with USAA. The next day XX/XX/XXXX I went online and saw where the payment for loan had posted but credit card payments had not. So I paid card payments again which resulted in an over-payment of {$4900.00}. I immediately started to try to get my money back. I have documentation where I requested the account be closed and my money refunded on XX/XX/XXXX I requested the money be refunded onXX/XX/XXXX via chat. I still havent received my money matter of fact they claim check was mailed but returned. I have been approved for a mortgage and need the money for closing costs so I am in a bit of a crunch and exceptionally irate. I had to pay them 15 to 25 % to use their money and they have kept mine a month and I have even paid to have it sent express 9 days ago.

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 2021-02-23
Company: EQUIFAX, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
I sent a procedure request to Equifax for an alleged bankruptcy. They were to ( by federal law ) provide me with the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) UNDER THE LAWS OF THE FCRA I HAVE A RIGHT to a " description of the procedures '' used to determine the accuracy and completeness of the disputed information. 

WHICH I CLEARY WAS DENIED THE RIGHT TO DO SO by Equifax. This is a serious violation of the FCRA and a error within Equifax 's dispute process. This is a very serious matter ... The response I received from Equifax definitely is not constitutional or in accordance with " The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) '' I sent this letter through certified mail to ensure a response which I did receive but it's obvious my right to " request the description of the procedures '' was denied ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
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: Information belongs to someone else

Complaint:
Ive been going over my credit report and I saw some incorrect accounts that were on there. 
I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.

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 2020-10-26
Company: Experian Information Solutions Inc.
State: NC
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 never been late on the following account and requested physical verification of late payments and never received this information. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: JPMORGAN CHASE & CO.
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:
someone has been using my information as a result now i have 15 inquiries on my credit report that i know nothing about i contacted the credit bureaus all they was able to do was adding a fraud alert but all those inquiries remain on my report, i sent letters to the creditors and all three credit bureaus. nothing was done about and by law they had 30-45 days to respond i never heard fro neither of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had an additional credit card I did not apply for linked to my Chase Account when I logged in this morning to check my credit card I do have with them and make sure I made the payment. I then checked my email confused on why I had a card under my account that I did not ever apply for and found that I received an email this same day stating my application for a Chase Freedom Credit Card was approved and the card would arrive in 2-5 business days. Twenty minutes later I received an email stating my paperless billing was enabled by my request for this card. I did not do these things- apply for the card or enable any type paperless billing for a card I did not apply for. I called Chase bank and they confirmed the card was applied for and approved. While verifying my personal information they disclosed that the address the physical card was being sent to was not the address that I provided to them for myself -- which I gave them my permanent address. They confirmed that this application was fraudulent and that it was applied for in the last 1-3 days and that the application was approved this morning. I caught it just in time! The card has been cancelled and I have reported the fraudulent activity to the credit bureaus as well per Chase Security Teams request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: WELLS FARGO & COMPANY
State: SC
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:
Wells Fargo issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/2020.

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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion should not be reporting the Bankruptcy for XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This Bankruptcy was discharged in XXXX, XXXX and is well over 11 years old. Reporting of a Bankruptcy is between 7 10 years. This is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have attached a copy of the Order Closing Case, case number XXXX dated XX/XX/XXXX. The date of last activity reporting was XXXX, XXXX and now the Bankruptcy information has been re-aged and is now reporting a date of last activity of XXXX, XXXX. This continuing to falsely report a Bankruptcy that has long since been closed, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2017-08-04
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have written 3 different disputes letters to all three major credit Bureaus in reference to reporting inaccurate information on my credit file. However Equifax failed to reply and or removed such inaccuracies. I have a letter from one collection company stating such account should be removed, which still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I purchased a lamp from XXXX XXXX XXXX through Paypal. 

Today is XX/XX/XXXX. There has been no new tracking information provided by the seller 's shipper since XX/XX/XXXX as of now. I have reached out to the seller three times, twice by XXXX and once by email. No responses have been received to any of my queries. The product has still not been received. 

Further, another poster on the seller 's XXXX page told me she has not received her order and it has been two months. 

When I tried to file a dispute through Paypal, today XX/XX/XXXX, their website said, and I mean instantly, that the dispute was decided in the seller 's favor. 

Who decided this? How was it decided?? 

There is no way possible that this matter could have been investigated in mere seconds!! And, I still do not have my merchandise! 

I have tried contacting Paypal directly, and can not reach anybody to even plead my case. 

This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: CT
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting repeated phone calls on my cell phone for debt that is a relatives debt and not my own. I have repeatedly told them that they have the wrong # and I do not speak to this relative but they continue to call

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
please see complaint # XXXX It has been closed, but there still has not been a satisfactory resolution to the complaint. 
We were automatically enrolled in a forbearance program, we were misled/lied to on every account regarding the process, and now after being told if we signed a HUD modification loan, the account would be brought to current. We have been making timely payments since XXXX, as XXXX, XXXX, and XXXX payments were during the 3 month forbearance program, and were supposed to have been moved to the back end of the loan penalty free, again, we were automatically enrolled, we did not ask for this, now our XXXX thru XXXX payments are showing on our statements as being applied to the " delinquent payments '' of XXXX, XXXX, XXXX. What HUD Doc 's did we sign, and where did that money go? 3 monthly payments total {$4500.00}, Wells Fargo is claiming we owe # XXXX in delinquent payments. I believe we are being defrauded by wells fargo and would be grateful for any assistance in resolving this matter.

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 2019-05-30
Company: AES/PHEAA
State: MD
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:
On XX/XX/XXXX, I spoke to XXXX ( Customer Service Rep - AES ) in regards to my student loans that were sold to AES in XXXX. According to AES, the promissory note provided from XXXX Bank ( original loan servicer ) does not include the fixed interest rate and loan term for my student loans. As a result, I have been given a variable interest rate of 7.2 % instead of the fixed interest rate of 4.5-5.0 % that I initially agreed to. 

I have requested a copy of the original promissory note from AES and have not received the information. I was instructed to contact XXXX, which is my current loan servicer, as AES sold my student loans to XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: FL
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 XX/XX/2022 Equifax investigated a collection and determined it was inaccurate and deleted it. Two days after XX/XX/2022 it reappeared on my report with no written notice which is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) ( B ). Which states ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

To this day I have not received anything in writing with a statement of the disputed information. 

Account Name XXXX XXXX XXXX or XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: I.C. System, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I need this removed from all 3 collection agencies. I have disputed this several times and they continue to keep this on my report. No one will call or has called me or sent any written documentation as proof. This company is horrible and very unprofessional. They continue to make noted that I can not see on the account. All i can see is that it was reported again. I have no clue as to why they keep reporting it monthly.

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