BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-05
Company: Prosper Marketplace, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - XXXX/XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. XXXX ( XX/XX/XXXX ) - XXXX will not list that this will affect your credit score, nor did I apply for paypal credit. They've not provided information on what this was for and I would like this removed as well. 

3. Prosper XXXX ( XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through XXXX XXXX, but I did not apply for any to pull credit information from my account. 

4. XXXX XXXX. ( XX/XX/XXXX ) - I had a secured card from XXXX XXXX, therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: EQUIFAX, INC.
State: PA
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 Account # XXXX loan is paid off. traded the car in this account should show as paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Northstar Location Services, LLC
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:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I was investing round ups from My PNC account to XXXX  XXXX. Now, PNC is telling me that i dont have right on my money and they dont let me investing for my retirement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Purchased a car from XXXX of XXXX on XX/XX/XXXX and the finance manager stated the only way to get the loan was to buy the extended warranty but that I could cancel it the next day for a refund. Tried the next day all the way through XX/XX/XXXX - XXXX kept saying the cancellation had been processed many times and finally she gave me a number to call after 18 months and the people there stated that XXXX dealer had the money and they were the ones to issue the refund. 
Called XXXX XXXX and she stated that the warranty could NOT be cancelled after lying and deceiving for 18 months!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my credit report from LVNV funding stating I owe {$600.00}. I sent a debt validation request to them, to which they never responded. I reported this lack of response to all credit bureaus to no avail. Upon contacting this company by phone, they say I dont have a debt with them. I get mail from Resurgent Capital saying that I owe them {$600.00}. This same debt. Upon contacting the company by phone, they say they can settle the debt for less than 50 %. When I asked to pay for 20 % they said the debt is with another party. I reached out to this third party and its a company called XXXX and XXXX, a law firm who says that I owe them {$600.00}. I have never received ANY contact from either LVNV or XXXX and XXXX. Ever. I have never done business with them not have done any business with Resurgent Capital. I just see LVNV on my credit report and keep getting the run around from these companies. I asked them to delete the debt from my acct as I dont know its origin and they wont offer me a reasonable settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions 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:
I previously filed a complaint # XXXX and requested immediate deletion of Bankruptcy that does not belong to me : US BANKRUPTCY COURT-XXXX XXXX XXXX Number : XXXX I previously wrote you to investigate and verify this bankruptcy listed on my credit report, which you responded to as being verified. The court informed me that they do not show any record of a bankruptcy filed under my name and identification information. Further, the court does not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. It is quite clear that Experian did not verify this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). As you know, it is also a violation of the FCRA to report this type erroneous information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report. I also requested investigation with another bureau, XXXX. XXXX requested verification using XXXX XXXX XXXX which is the only legitimate alternative to asking the court for verification. I am attaching proof that XXXX performed its verification and after confirming this information was inaccurate XXXX  immediately deleted this Bankruptcy from my XXXX  report. XXXX has also verified there is no negative public record either. See attached screenshot from their website I have also placed a fraud alert on my credit report upon becoming aware of this and I have filed a police report and have provided the police report to Experian.  

I FORMALLY REQUEST IMMEDIATE DELETION of this Bankruptcy on my Experian credit report that does not belong to me : US BANKRUPTCY COURTXXXX XXXX XXXX Number : 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 2020-05-14
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is ABLTY RECVRY was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ABLTY RECVRY 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 FLORIDA allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) ABLTY RECVRY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. ABLTY RECVRY is held liable as well for defamation and in the state of FLORIDA allows for serious fines ABLTY RECVRY is not HIPAA-compliant I fail to see where AR RESOURCES is in compliance with FLORIDA LAW. ABLTY RECVRY has not even tried to contact me regarding this collection account. Please DELETE/REMOVE this account immediately. Thank you!

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 2021-02-22
Company: EQUIFAX, INC.
State: SC
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:
After several attempts of trying to solve this problem with Equifax they are still reporting negative information to my credit report they are reporting inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Which are all false and inaccurate I called them and talk to a rep named XXXX employee number XXXX He was a rude and nasty After I told him I already sent the documents over 45 days ago and that they are requesting Equifax they lost the documents that I sent over and is not complying with the FCRA guidelines which gives you 30 days to respond or it must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern, I incorrectly entered the wrong account number to set up direct deposit at my work. This incorrect number was actually a valid account number with Chase, so the deposit was made into someone else 's account. I called Chase to try to fix the issue and they instructed me to file a claim for the {$500.00} that was sent to the wrong account. The findings of the claim instructed me to go through my works payroll departed and have them recall the money back. Chase received my companies Payroll department request, but denied it because the funds had already been withdrawn from the incorrect account. Since then I have spoken to numerous Chase reps, as well as a supervisor. The supervisors name was XXXX, and she instructed me to go through small claims court, to try to get my money back that way. She would not provide any information for the other party who received my money, which i completely understand, but she also said Chase would not contact the other party to let them know of the mistake. 

I have the other persons account number, but I don't believe i should have to go through small claims for this. I am not even sure i would be able to, without the other persons name or address. 

I find it extremely hard to believe that Chase can not put the other persons account into the negative, or at least contact them to let them know of the mistake. Every rep i have spoke to at Chase seemed uninterested in my problem, and always tried to transfer me, and get me in another direction. 

I can provide the other parties account number, as well as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XXXX/XXXX/2021, I wrote requesting this investigation into items that I believe to be incorrect outdated or obsolete. To date, I have not received a reply or any acknowledgment that the investigation has begun.Under federal law creditors have thirty ( 30 ) days to complete investigations. Please remove inaccurate information indefinitely. Thank you

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: EQUIFAX, INC.
State: IL
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 contacted the company to verify accuracy. This account was sold to a collection company and was settled for half of what was owed. The company that SOLD the debt continues to report it even though they no longer hold the account ... .delinquency can only be reported by who ever owns the debt ... but the debt was settled for {$110.00} the company is CREDIT FIRST/FIRESTONE ... ..A PYMT OF {$110.00} was made by me to the collection company to settle the debt and delete ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my Suntrust VA mortgage and successfully closed and paid off the mortgage in full on XX/XX/2019. OnXX/XX/XXXX, Suntrust drafted my monthly payment out of my checking account in the amount of $XXXX. This was in error and I have called 7 different people over 3 days and approximately 2 hours of my time to correct this and have the funds wired back into my bank but all attempts have not been successful. This has caused me financial hardship and is not ethical, nor should it be legal. As stated, my mortgage balance was paid in full and there were several days in between when they drafted the payment out. They have thus far refused to act to wire the money back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received a letter from MyFedLoan on XX/XX/2019 telling me my deferment period was about to end and I would have my interest capitalized if "you do not make a payment to satisfy the full amount prior to the Anticipated Capitalization Date."  The total came out to $XXXX. I called MyFedLoan and ask to speak to a representative to clear up if there was a specific way to pay my owed interest so that it was applied to only my owed interest since I did not see a different way to apply the payment online. She confirmed that I would make the payment regularly as I would make any payment and because I was in deferment, the full payment would go towards my interest and cover it entirely. I also explained that I would be paying in ahead of time in order to give the payment adequate time to process. She agreed that was a good idea. I proceeded to make a XXXX ($XXXX  over) on the XX/XX/XXXX, 5 days ahead of the due date in order to avoid issues with the payment not processing in time and having the interest capitalized. Although I followed the directions on the letter and by the representative exactly, I was penalized for paying 5 days early and charged interested which capitalized to almost $200. I was not notified about the increase in my account balance although I paid the total amount that I owed and continued to make on time payments. MyFedLoan gave misleading and just down-right wrong directions out to its customers and then is still sneakily charging them when the make the full requested payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: MidAmerica Mortgage Inc
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We need to get our account corrected by this mortgage company and for you all to find out what you did with the mortgage payment you all took from us but you all are saying we are behind which we are not behind and we need all the late charges credited back to us and if you sent to correction we need you all to correct your mistakes. We have been trying to get this corrected now for months and your company refuses to fix it. We have paid on time for XXXX, paid XXXX, and paid XXXX. They all took XXXX from us and never applied it to our account. We need all late charges payments credited back to us. That is not our fault but your companies fault and we have been told many times that this will be resolved but still nothing have been done to this day ( since XX/XX/XXXX ). If this doesn't get resolved in 1 week. We are completely not statified with this company. The fact that we have sent them proof and 3 months later still nothing. And your company refuses to respond to emails and phone calls. Instead they have taken money from us, put it somewhere and they want us to pay more than we should. We feel like this company is a fraud. We have a VA loan with them, which we will be contacting the VA for assistance in regards to this issue. We have called and emailed more than 50 times with no responses back from this company. Not ethical business practices with a retired XXXX. We have sent all bank statements showing payments were taken : XXXX : paid on XX/XX/XXXX XXXX : paid on XX/XX/XXXX in the amount of XXXX ( to cover both months because you all lost our XXXX check we mailed to you on XX/XX/XXXX so I just ended up paying both on XX/XX/XXXX XXXX '' Paid in full on XX/XX/XXXX in amount if XXXX XXXX : paid XX/XX/XXXX XXXX XXXX : paid XX/XX/XXXX XXXX Attached is all bank statements and we have all emails that we contacted them. Contacted then via phone on several occasions and customer service refuses to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
on XX/XX/18 I called chase bank, XXXX XXXX, and XXXX XXXX. I have late payments and after being on the phone with them for about an hour each. we came to an agreement, that if I sign up for certain payment plans they would right then remove the late payments from my account as a one time  forgiveness. chase said I will be put on a 3 month payment plan for XXXX each month and it will be current and reopened once completed. XXXX XXXX   said they would close my account might be reopened but I would have to do an automatic XXXX dollar a month payment, and XXXX XXXX I was able to bring up to current making them happy and promising the removal of the late payments. they would remove the late payments so when I checked in XX/XX/XXXX they would be gone. looks like chase completely closed my accounts which I will be ok if I can reopen them at a later date, but the bank did not remove the late payment status although I am making all payments. XXXX XXXX  did close the account but I am still seeing those late payments. XXXX XXXX did not close account but still has not removed the late payments. reason I am filing this is that it has damaged my credit score very much, and I was a young adult making mistakes being stupid for I was heart broken pretty much making those XXXX mistakes everyone makes, and not understanding the seriousness of the situation. The main reason which I did bring to their attention was I was out of employment from XX/XX/XXXX to XX/XX/XXXX and during those times I was making payments and they have records of it I was just not making the minimum payment and I called them then before but they said nothing I could do, but gave me a different answer when I called in XX/XX/XXXX. as of right now I am 3 for 3 on  my chase payments. before the unemployment I had been making every payment on time and making extra payments. I am now in the position where I can do that again but need the hard remarks removed for im buying a car, and an apartment soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CITIZENS FINANCIAL GROUP, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello my name is XXXX XXXX XXXX. On XXXX XXXX my family and I went to XXXX XXXX in XXXX XXXX XXXX XXXX California. As we were looking at an suv a salesman XXXX came to talk to us he ask for my information he then went back inside came back with the keys. 15 min later a second sales man approaches me saying he allready ran my credit to many banks I was not present, I dont sign or agree for my credit report to be pulled XXXX did not agree to a price. 
I got very upset I told them to please get these hard I inquirys pulled back. XXXX apologize and said he would talk to his manager. Its been one week I have talk to both managers at XXXX XXXX and another manager the both have not done anything about it. I have talk to credit bureaus XXXX XXXX and XXXX XXXX  told me the best thing to do is have XXXX called them and pull back my reports but XXXX hasnt done anything. I also called the four credit banks To reports this and they said to contact XXXX. Please if you can do fix this problem I would really appreciated im so stressed about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Mountain Run Solutions, LLC
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: Account information incorrect

Complaint:
An active account shows in the credit report which I did not apply as follows : Company Name : Mountain Run Solutions opened on XX/XX/2021 Please be advised I never opened or initiated this account under my name. 

Thank you, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation