BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-03-25
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have FFELP loans serviced by Navient and owned by Navient Federal Loan trust. It is my understanding that these are federal loans, but I was told by Navient on XX/XX/2020 that I did not qualify for the interest waiver due to COVID because they are not owned by the Ed Dept. All of the news articles say " all federal loans '', and I had no idea mine were not education dept loans until now. It says on Navients website that all federal loan interest rates are set by Congress but mine are still showing 3-7 %. I don't know who to reach out to. Both my husband and I have huge student loan balances due to our medical backgrounds and both of us have had our hours cut in half due to the virus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-08-17
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 status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX  XXXX-XXXX-Balance {$14000.00} XXXX/XXXX XXXX XXXX-Balance {$0.00} ( Original Creditor : XXXX XXXX ) -XXXX-Balance {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Westlake Services, LLC
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:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.

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 2022-10-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Name, address, and phone number is incorrect. I have send proof of address and driver license and they still will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/21 I tried to unfreeze my credit report on both the XXXX and Equifax websites. I went through many, many hoops. For XXXX I even had my unfreeze pin, but after they verified all of my information, they told me to write a letter. Equifax insisted I receive a call back, when I received the call, a recorded message said I should try another day and hung up. I think they want you to buy another service and not use the freeze/unfreeze feature. I thought it was mandatory for these companies to make it easy for users to freeze and unfreeze your credit file. I was totally successful with XXXX. 

Without unfreezing your account, you can not complete other financial transactions like applying for a new credit card or getting a mortgage. They have you over a barrel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I enrolled in Amazon 's offer to receive a {$150.00} credit if I got a Chase Freedom card. 
After using most, if not all the {$150.00} free purchase I tried to create an online Chase account but found it was beyond my ability due to numerous error messages, locked screens, etc., so I initiated a series of messages to both Amazon and Chase in XXXX to determine how to pay my bill. 
Failing to resolve this problem I canceled my Chase Card and returned most of what was returnable to Amazon. 
My wife called Chase to get a closing balance and was told " Your account is closed with {$0.00} balance '' but today we received a bill for {$110.00} including a late fee of {$28.00}. 
I was on the phone with Chase today and after being redirected ( spoke to XXXX, XXXX, and finally to another person before I was disconnected ). Of course, that was the final straw that prompted this complaint. 
I am XXXX and my wife of XXXX years is XXXX, I've had triple XXXX XXXX XXXX and a XXXX, not looking for pity but am trying to avoid another XXXX XXXX. 
We're not " deadbeats '' and have a credit rating of XXXX according to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: ME
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 XXXX XXXX ( " XXXX '' ) serviced our mortgage until XX/XX/2013. Our  mortgage was sold to XXXX that month, after XXXX puller their business out of most of Maine. Prior to the transfer XXXX agreed to modify our loan to allow us to bring our payments up to date. We recently attempted to obtain a home equity loan with XXXX however XXXX continues to show our late payments on our credit reports. We have written to the three major credit reporting agencies and requested that they delete the negative item, but they will not do so without XXXX 's action. We have asked XXXX to remove the negative item from our credit reports, but the company refused to do so. Given the fact that XXXX has not serviced our loan in nearly five years, we feel that continuing to report a negative item to the credit reporting agencies only serves as an open ended punishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My auto was financed through Capital One at the time of purchase. The load was paid off and now CapOne is refusing to provide me a lien release letter. They are asking me to go to XXXX XXXX XXXX to get the lien release. XXXX is owned by XXXX XXXX XXXX. CapOne has sold my information to them and now they are demanding me to pay {$23.00} for the lien release. I consider this a scam where the financial institution has a responsibility provide me the lien release free of charge. They claim they did send me the lien release. My County Clark office nor I have received it. Also CapOne refuses to provide me any proof of them sending me the lien release. Consumers should not be charged to receive their lien release once the loan is paid off. This is a scam where CapOne and XXXX XXXX is colluding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}, {$5000.00}, {$45000.00}, {$6500.00}, {$5000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a  balance of {$5000.00} -This is not my account. 

3. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXXXXXXXXXXXXXXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.

5. XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$5000.00} -This is not my account.

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Experian Information Solutions Inc.
State: TN
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 sent 3 disputes certified mailed to Experian. They have continuously violated the FCRA. I have requested that these adverse accounts be validated by verifying an original signed contract with my signature on it. They have continuously failed to do so and have instead continued to " verify '' these accounts. They have yet to send me an original contract with my signature on it ( proof ). I have plans to litigate in small claims to fight for my rights as a consumer. I know the remedies for me for NEGLIGENT NONCOMPLIANCE.

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 2021-08-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
EXPERION has no way to contact a person ; I have spent 3 hours trying to contact someone to find out if a death notice has been placed on my deceased husband 's credit file, but none of the numerous numbers I have tried have yielded a way to talk to an actual person, and none of the automated system 's choices apply.

If a company is sucking up information on consumers without our permission and making money selling it to others, the least they can do is provide a way to contact a live person to discuss issues.

XXXX  and XXXX  make it difficult to talk to a person, but with persistence you can accomplish that end. Not EXPERION. This is just wrong.

I'm quite sure no one cares, but it makes me feel better filling out this form. 

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 non-monetary relief
Consumer complaint received 2020-05-09
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
2 separate issues : 1. On XX/XX/XXXX, I attempted to make a payment via my usual method, for some reason the website only took my additional principal payment, not my standard Mortgage payment. I was NOT contacted about being late for XXXX, due to this error on THEIR website, although they claimed I was. I have proof no voicemail was ever left or email ever received. Once I realized this had occurred, I made both payments i ( and a thrid payment for XXXX ) including the late fee on XX/XX/XXXX ( one payment for the missing XXXX, and for XXXX ). I was reported 30 days late for XXXX. I sent them a message per their website recommendation. No response for over 40 DAYS. I called during this time, in which they credited back the late fee to my principal, but unbeknownst to me two weeks later ( ~XXXX XXXX ) I was reported as late. 

2. Second issue : I have statements clearly stating on their website as well as my own records that on XX/XX/XXXX I made payments for XXXX, XXXX, and XXXX. Right now, their website indicates my next payment is due XX/XX/XXXX, yet they reported me 30 days late AGAIN for XXXX. 

This Servicer tries to avoid assisting in any way by forcing their customers to use poorly working websites, tedious phone trees, and 30 day turn around SLAs for answering questions via their website message ; all while claiming ( according to the large banners on their homepage ) that they are " here for their customers during this Covid crisis. '' Not only is this bad business it is fraudulent in nature. I have made complaints to the mortgage broker that uses this company as well as to whomever else will listen. Hopefully there is something that can be done about these types of shady businesses.

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 2020-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PRA is reporting inaccurate information to my consumer report, specifically, XXXX.

I had disputed the alleged debt with the alleged creditor and that dispute was never resolved, and according to PRA they bought the debt.

I have asked for the underlying contract so I may file an arbitration action against them and the refuse to provide such information.

They are reporting inaccurate information and that violates the FCRA is a per-se violation of the FDCPA.

Also they are reporting they ( PRA ) are a " FACTORING COMPANY '' Again, this is a false and misleading statement. A factoring company provides loans against accounts not in default and that are assumed to be legally collectable, usually due to the original owner need an influx of cash.

PRA is a debt buyer and has been sued many times for their illegal practices and continue to flaunt the law.

They are reporting inaccurate information about the alleged account, they have no way to know anything about the original dispute because they were not a party to the dispute, they are failing to arbitrate by refusing to produce the alleged contract and they are referring to themselves as a factoring company, an clear and obvious misrepresentation.

On a side note, XXXX XXXX, the alleged original creditor has removed the account from all three of my consumer reports and they are the alleged original creditor, yet PRA is claiming its information is accurate when the original source of the information did not claim the information was accurate when said information was disputed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This complaint is about PayPal Holdings. They have not adequately safeguarded my financial information and have not effectively handled fraudulent transactions on both their XXXX and PayPal services. The transactions in question affected 2 bank accounts, 2 debit cards, and 3 credit cards ( which had to be replaced multiple times ) and totaled almost {$40000.00} being sent to XXXX, the XXXX, XXXX, and XXXX. 
I feel strongly that these incidents are not being investigated seriously and they are trying to inappropriately shift the blame to me. I feel that the fraudulent transactions need to be examined in detail by government agencies and or law enforcement or the state attorney general. 
On XX/XX/2019 I received a text message from XXXX XXXX and I learned of fraudulent transactions for foreign money transfers on the XXXX service on my XXXX XXXX credit card. I never had a XXXX account and did not know what XXXX was but when I looked it up, I learned that it was a PayPal company. Subsequent to that, on XX/XX/2019 I discovered that my PayPal account was and all my stored financial information was compromised. Rather than explain each incident, I am attaching supporting documents which tell the story. If you would like any additional information or have any questions, feel free to contact me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I HAVE DISPUTED THE FOLLOWING WITH XXXX  : REPORT # XXXX XXXX XXXX ACCOUNT {$960.00} ( FRAUD ACCOUNT ) XXXX XXXX HARD INQUIRY DATES XX/XX/XXXX & XX/XX/2018 ( UNAUTHORIZED HARD INQUIRIES ) THE XXXX XXXX {$580.00} ( FRAUD ACCOUNT / NOT MINE ) PREVIOUSLY FILED WITH THE CFPB AND COMPANY STATED THEY WOULD DELETE FROM ALL ( 3 ) MAJOR CREDIT BUREAUS. THIS ACCOUNT STILL REMAINS! ON MY EQUIFAX CREDIT REPORT & MY XXXX/XXXX CREDIT REPORT. 
**XXXX UPLOAD DOCUMENT WEBSITE HAS A GLITCH AND STATES THAT YOU NEED TO MAIL DOCUMENTS TO : XXXX  XXXX XXXX  XXXX XXXX TX XXXX ATTN : FRAUD DEPARTMENT. ** THIS IS A STALL TACTIC TO ME. THAT'S WHY I DECIDED TO UPLOAD THE DOCUMENTS TO SUPPORT MY CLAIM VIA THE CFPB COMPLAINT WEBSITE, TO IMMEDIATLEY REMOVE THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The collection agency, Midland Credit Management, has called me numerous of times during odd hours of the day and night threatening to sue me and have police come to my home to arrest me and/or shoot me for a fraudulent credit card. When I did talk to them a few times, I express to them that the credit card was a fraudulent account. They would not believe me, calling me foul names and using explicit language over the phone. They called me a fraud because I didn't pay the credit card bill. Of course I'm not going to pay on a fraudulent credit card bill. I do not have a written contract with a wet ink signature saying that I owe or agree to pay Midland Credit Management for a fraudulent credit card.

Company response to consumer: Closed with explanation