BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: CAVALRY INVESTMENTS, LLC
State: FL
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:
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX using my right per FCRA, which states that if the company is unable to verfiy/validate the debt they must delete all reporting from all 3 credit bureaus. it has been more than 30 days, therefore they are violating the FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-09-23
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:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-09-23
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Jefferson Capital called me today I told the woman that I couldnt speak to her at the moment because I was helping my daughter with homework for school she calls my mothers home phone 5 mins later I told her not to call that number because it wasnt my phone she began to become very rude and told me She can call all she wants until I spoke to her I said legally she couldnt because we were on a recorded line and I asked her not to call Ive also asked for the debt in writhing which I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Performant Financial Corporation
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX medical bill not mine. Talked with the company says they see it was not mine. Still showing on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: JPMORGAN CHASE & CO.
State: PA
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:
I wanted to increase a line of credit with chase. I gave the person in the secured chat my information. I also gave them the number of how much I wanted to increase my limit by. I specifically told them I dont want a hard inquiry on my credit report so if the amount requested will result in an inquiry, lower the amount. They continued to run my credit unauthorized. And did not message me back after I told them about it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: OH
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 been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Well basically, I have 6 hard inquiries on XXXX  which 2 of them I know about but then the 4 that I don't know showed up on my credit report. I didn't try to open any new credit cards that they mentioned so that there is false  -INQUIRIES DETAILS- the 4 false credit card is XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ^ XXXX XXXX   XXXX XXXX XXXX Again inquiry from XX/XX/XXXX XXXX XXXX XXXX, Usa inquiry from XX/XX/XXXX XXXX XXXX   inquiry from XX/XX/XXXX Plus I have 1 Derogatory mark Collections- which I never opened an account with them its called XXXX XXXX XXXX for the amount of $ XXXX original Creditor : XXXX which was open on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - And on TransUnion, I have 4 hard inquiries which are -XX/XX/Amazon- inquiry from XX/XX/XXXX -XXXX   XXXX- XX/XX/amazon XXXX, FL XXXX ( XXXX ) XXXX -XXXX- XX/XX/PublicAccommodations inquiry from XX/XX/XXXX XXXX XXXX- XXXX   XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX -Institution Information- XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX   XXXX inquiry from XX/XX/XXXX -Institution Information- XXXX XXXX XXXX XXXX XXXX, UT 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 2023-03-07
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:
This is my follow-up complaint with my prior complaint dated XX/XX/2023, I want you to validate this reporting account : XXXX  XXXX XXXX Balance : {$880.00} Please check the payment history, date open, last activity, and Status of the listed account I believe it was reported in error.

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 2021-05-05
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed a certified letter to Waypoint Resource Group disputing this debt on XX/XX/XXXX which they received and signed for the certified letter on XX/XX/XXXX, ( certified letter # XXXX XXXX. I requested written documents validating this debt they are trying to collect in the amount of {$270.00}. I also requested for this company to provide me with information regarding this debt because I NEVER opened this account with XXXX XXXX. As of today I still have not received a response from this company regarding the erroneous debt they are reporting in my name, however they continue to report this account that's not mine to the credit bureaus. This is defamation and a violations of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is incorrectly reporting a identity theft account from XXXX on my credit file. I have completed an Identity theft, FTC form and submitted to XXXX and XXXX. I need your assistance in getting this item removed from my credit file.

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 2019-09-15
Company: Student Loan Financial Assistance
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I was informed by the U.S. Department of Education that no action was taken by XXXX on my behalf to cancel my student loan debt by applying for the XXXX Discharge Program. I was additionally informed by Department of Education the application to this program is provided free of charge by XXXX, an arm of XXXX. The aforementioned company XXXX ( XXXX XXXX XXXX XXXX. ) charged my bank account {$240.00} on each of the following dates : XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and XX/XX/19.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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: Problem with personal statement of dispute

Complaint:
After bankruptcy was filed what was the agreement between me and Mortgage Company I went into a repayment program I paid a lump sum of money and I was making monthly payments eventually I paid the house off they knew it was wrong for them to go into this payment plan with me and accept money but they used a rule that I did not know about I'm not a bankruptcy attorney they knew the acceptance of any money for any bankruptcy was against the law they knew that any money given to them should have been turned over to the Trustee since their answer includes a quote of the manner of law in which bankruptcy accounts are applied then return the XXXX plus that was sent in payments and reinstatement fees they got close to XXXX for a XXXX balance no matter what XXXX quote they committed fraud they took money that they knew to be turned over to the Trustee to the bankruptcy court they failed to report that any payments was being made they hid this fact if they not intentionally want to hide facts then why wasn't it reported why they didn't send back the payments and inform me to give them to the bankruptcy why didn't they make this fact clear to me as they are in their answer to my complaint to you ... because This Mortgage company has a history of their fraudulent and deceitful ways to many customers their answer to you is a simple script from a real estate book but the facts remain they took the money regardless if i applied bankruptcy they knew the laws it is their hob to know they never said sorry send your payments to the courts they took them and since over XXXX XXXX  was paid to pay off the loan I want my XXXX XXXX plus back. This Mortgage company defrauded me ( period ) ref to complaint numbers XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have not wavered about my complaint over the years. If CFPB are here to assistance when consumers are taken advantage of by companies are not complying why am I still seeking the case?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have a direct deposit sent to XXXX XXXX from XXXX XXXX. The money is set to process on the XXXX of every month. On the XXXX of the month I have money transferred from XXXX to Bank of America to pay my household bills. 

The money from XXXX showed deposited on XX/XX/XXXX. 
XX/XX/XXXX XXXX shows a transfer to Bank of America. 
Today is XX/XX/XXXX and the money is showing as processing just this afternoon, XXXX. 
I checked earlier today and the money wasn't showing at Bank of America at all. 

Could someone please explain to me- where is my money from the XXXX until the XXXX ( actually the XXXX )! 

If i use a credit or debit card it is immediate! Why do these transfers take so long and who is using my money?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Comerica
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I. Used a atm on XXXX XXXX mo on XX/XX/2020. I was charged for the amount of XXXX dollars. My money was put back in the machine and my debit card locked in machine. I did. Not get the money. but it came out of my account I have tried calling my debit card to dispute the charge yo the dispute department I finally went ahead and. Cancel the card and was issued a new on today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-25
Company: Total Finance AC LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I financed a vehicle from XXXX with Total Finance Company in XX/XX/XXXX. Upon financing the vehicle I was told that I didn't need full coverage insurance. I got into a car accident XX/XX/XXXX.  The finance company tows the vehicle away XX/XX/XXXX They have had the vehicle since then up all the way until now. they have had my vehicle for two months now and every time I call they tell me my vehicle is under review. They are still collecting payments for my vehicle but yet they are not giving my vehicle back or letting me know if they are going to fix it or not. They claims department doesn't answer the phone and when you try to file a complaint no one never answer the phone. This finance company is a scam. And they keep threading me saying well if you don't pay your loan we gon na hit your credit. 
These people are telling folks they don't need full coverage insurance on their vehicles and taking their cars hostage and still making them pay for loans hoping they eventually default because they know people are not going to pay for product that they don't have. If this finance company would have never advise me that I don't need full coverage insurance I would have had my cat fixed and would not be going through such hard ships this finance company has cost me two jobs because the won't relinquish my car or fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been paying Santander Consumer for 4 years on my XXXX XXXX XXXX, and I owe the same amount as if I just purchased it.They also just Jack up the amount that they claim I haven't paid on the car to about 3,500.00 and Repo my vehicle. I don't owe this amout, and they took Mr car on XXXX XXXX without my knowledge in a different state. I was informed one time that they would Repo the vehicle about 4 months ago, but I made arrangements to pay, and this is wat I have been doing. This company let me in my small kids XXXX  in Florida cause they illegally Repo my car.Here is a payment his I have been paying when they said they were going to Repo my car.I was working part time, and receiving XXXX until they cut my benefits off I got behind but I made arrangements with them, and I never thought they will go off there word.Here are the payments ... XX/XX/XXXX I PD. XXXX, XXXX I paid XXXX, XX/XX/XXXX I paid XXXX, and they gave me an extension for XXXX, and XXXX in XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, in XX/XX/XXXX I made 2 payments for XXXX, and XXXX.It 's not that I haven't been making my payments.They also claim I still owe the same amount as if I just purchased it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I believe my information was compromised either due to a hack or someone obtained it illegally another way but It was used to open accounts that I have never done business with and now they are coming after me for the debt. These include XXXX XXXX  XXXX, XXXX XXXX, the bureaus, XXXX   XXXX  and XXXX XXXX  XXXX. Please help me get these fraudulent accounts off of my credit permanently. 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 2020-02-05
Company: American Financial Network Inc.
State: NM
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 XXXX XXXX XXXX of XXXX, CA XXXX inappropriately obtained my credit report information from one of the three credit reporting agencies despite having been registered on the no-contact/opt-out lists with all three for almost two years now. They used this information to send unsolicited offers of credit to me in violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were in the process of refinancing our mortgage with XXXX Mortgage. On XX/XX/XXXX at XXXX pm I asked XXXX XXXX, our loan specialist, to provide me with a final, corrected Closing Disclosure before we signed the final loan documents at the settlement table. At XXXX pm on XX/XX/XXXX, she sent us a corrected Closing Disclosure that showed we would be getting {$2900.00} cash back to borrower at closing. I responded to her via email that " this is acceptable '' and we were ready to close. 

When the notary from XXXX XXXX XXXX XXXX showed up to our house, she had over 20 pages of documents for us to sign. The Closing Disclosure in this packet of documents was not the same CD that I had approved via email prior to the in-person closing. A new CD was inserted that showed that we were to only get {$2000.00} back at closing. NewRez, or the title company, kept the balance of the funds. 

When we received the check for the incorrect amount, we reached out to XXXX XXXX and XXXX XXXX, the original loan consultant, about the error. As of today, XX/XX/XXXX, there has been no resolution to this matter. It is unfair and deceptive for the Closing Disclosure to change at the closing/settlement table without prior approval from the borrowers. 

XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have six payments that are " pending a manual review. '' These payments were made from XX/XX/XXXX to XX/XX/XXXX. MyFedLoans has been unable to certify these payments after repeated requests over the past two years. They just told me the current case was opened XX/XX/XXXX. I am close to applying for PSLF and these six payments will prevent me from applying for forgiveness on my proper date. These were eligible payments under my previous servicer, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Upstart Holdings, 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:
Upstart Networks , Inc. is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bona-fide ID Theft/ Fraud however they have failed to remove my account as other creditors involved have already done which has lowered my credit score by over XXXX points. 

Upstart Network , Inc. can not provide proper validation that is required by federal and Texas state law in order to credit report. They can not provide me with any original credit application or signed loan contract with my original signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. All they can provide is online documentation with a computer generated signature -- nothing that connects the debt to me legally by original signature as strictly required by Texas Finance code. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated OR IS DEEMED FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I left am apartment complex Account # XXXX XXXX XXXX XXXX, TX. Upon leaving i confirmed with the current management that everything was clean and no charges were due back in XX/XX/XXXX. XX/XX/XXXX i received from ResidentCollect, Inc. Collection notice for amount owed {$350.00} I requested documentation that this is my debt. No documentation was given to this day XX/XX/XXXX. This has been on my credit report all these years and i demand this be removed. This is not my debt and no proof that it is has ever been presented.

Company response to consumer: Closed with explanation