BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-10
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I made a request with Fed Loans in XX/XX/2019 to recount my eligible payments for the Public Service Loan Forgiveness Program, as the count looked inaccurate to me. It has now been 11 months, and I still have not received the updated count. I have called a total of 3 times in the 11 months, most recently one month ago, and was told that sometimes it " just takes this long. '' I explained the situation, and that my loans have only ever been with one other servicer, and also tried to escalate the conversations to a supervisor, but no one has been able to move this along for me. My loans are pretty straightforward ( only medical school debt, no private loans, all consolidated federal loans ) so I am unsure why it has taken almost 365 days to clarify my qualifying payment count.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with HYUNDAI CAPITAL AMERIC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and HYUNDAI CAPITAL AMERIC with no successful resolution. XXXX, XXXX, and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Someone fraudulently applied for and opened an America Express credit card using my personal information. I have never applied for an America Express credit card. The following American Express credit card application reference number : XXXX is a fraudulent application. American Express is holding me liable for a fraudulent account and credit card application thats not mine and dont belong to me. I have excellent credit and want to apply for an American Express credit card, but American Express is discriminating against me and trying to hold be liable for a fraudulent American Express credit card and credit card application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Convergent Outsourcing, Inc., is continually contacting and harassing me about account # XXXX. The account is a fraudulent account and the result of identity theft. I am a victim of identity theft and the fraudulent account is not mine and dont belong to me. I been receiving repeated phone calls from Convergent representatives who have been harassing me, using abusive and profane language and threatening me with wage garnishment, arrest, jail and prison time all for a fraudulent account thats not mine.

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 2018-12-27
Company: Ocwen Financial Corporation
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:
I was provided an explanation of a variety of issues related to my mortgage servicer, Ocwen dated XX/XX/XXXX ( attached as exhibit A ). Page 3 of 4 reads in pertinent part : " ... we ( ocwen ) have updated our records to reflect the correct status for the account from XX/XX/XXXX through current. This correction was submitted to the credit bureaus on XX/XX/XXXX via an Automated Universal Data form ( AUD ), control number XXXX. '' ( emphasis added ). 

However, my current credit report reflects that as a result of Ocwen 's reporting, it has decreased my credit report 60 basis points ( attached as exhibit B ). 

As an aside, I did not make my XX/XX/XXXX and XX/XX/XXXX payments timely. Nonetheless, what has been reported is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XX/XX/XXXX i mailed off an letter stating that they were reporting incorrect information. it had the wrong name spelling and alot of addresses that ive never lived in or been associated 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 non-monetary relief
Consumer complaint received 2021-05-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I just received a notice from the CFPB today that your company stated that my complaint on your negligence in reference to the false, incorrect, fragmented information your company is knowingly reporting on my credit report. I notified you that my information was also impacted by the XXXX data breach. 

I feel that at this point based on your refusing to respond within the timeframe detailed out by the FCRA in section 611 ( a ) ( b ) ( c ) it is not only time that I report you to the CFPB but to also XXXX  FTC as well as my States Attorney General 's office. 

First you report information on my credit report that is clearly false ; then when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally ignore me and don't respond ; AND then you have the nerve to say that my complaint was not submitted by me in a attempt to get around the rules. 

I demand the accounts in question be deleted immediately or I will file for a litigation due to the XXXX and emotions XXXX you have caused me. This matter has effect my XXXX  and XXXX  wellbeing and I will seek damages if this matter is not swiftly resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
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 called TransUnion about victim of the inquiry issues and they couldn't help me removed this items that do nit belong to me 1. XXXX XXXX inquiry from XX/XX/XXXX bank 2. XXXX XXXX inquiry from XX/XX/XXXX bank 3. XXXX XXXX inquiry from XX/XX/XXXX mics 4. XXXX XXXX  inquiry from XX/XX/XXXX national credit cards / airlines 5. XXXX inquiry from XX/XX/XXXX national credit card /arlines 6. XXXX XXXX XXXX inquiry from XX/XX/XXXX automotive 7. XXXX inquiry from XXXX XXXX XXXX  bank 8. dep pf ed inquiry from XX/XX/XXXX government

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 2018-12-27
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, XXXX XXXX XXXX XXXX, placed an account for collection on my credit file impacting all three credit agencies. The original creditor is XXXX XXXX ( XXXX ) in the amount of {$2400.00}. I spoke to a representative at both XXXX XXXX and Helvey & Assoc. and explained that this was my father 's account who passed away. If there is any money owed, XXXX XXXX will have to file a claim against the estate and open probate. XXXX XXXX and Helvey & Associates are trying to subvert the correct legal process and try to collect against myself, who was the XXXX XXXX of the estate. If this is not removed, I will file suit against both XXXX and Helvey & Associates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX, a call from XXXX contact me, he claims he belongs to XXXX XXXX XXXX, and claims that there is a package with my name contain 4 credit card, and transfer me to police, and then the " police '' said that I involved into a global money-laundering crime, and claims that I am one of the suspects,  in addition, he claims that this is country top secret and make me download an app in XXXX App store called " XXXX '' to contact with " security ''. After a few days, with everyday calling and pretend as police to threaten me since I was just a college student, he said that I can afford recognizance to ensure I will not be forced to leave America. I was afraid at that time since every day threatens, I forget the role between America and XXXX and trust his saying. On XX/XX/XXXX, I use wire transfer on Chase website transfer XXXX dollars to them, On XX/XX/XXXX, I transfer another XXXX dollars. This account located in XXXX XXXX, since after transfer, they delete the chat history, I only get some information but I think this is enough to track this account. The Chase wire tracking number for XXXX is XXXX, for the account owner information is XXXX TO XXXX which is the account owner name, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX which is the address. The bank is XXXX XXXX XXXX XXXX  XXXX, the address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Since I was in semester final last month, it takes me a long time to finally realize this is just a scam, I was totally regret what I am doing, I also realize that I leaked too much personal information including my name and address and my XXXX ID. Recently, these cheaters contact me again in order to get more money and also threaten me on " XXXX '', currently, I try to not reply or reply with ambiguous word, but I am afraid since I leak my address, I have already called the local police, but they transfer my case to a special detective and give me a number saying that this number will contact me, but two days already, no one contact me yet. I find this website from our XXXX consulate page about " How to deal with telecommunications fraud in the United States? '' so I contact you guys, I hope you guys can help me, PLEASE! I can attach the information I have collected on attachment since these documents have my personal information, I hope you guys do not leak it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Due to COVID-19 I contacted my mortgage company advising that I was furloughed and no income, I was told that a package will be sent to fill out to see if I qualify to not to pay for three month since everyone is suffering cause of the Virus. Received the package and completed and sent on XX/XX/2020 Next thing my credit score gets dropped by 100 points. 

Name of the mortgage company is : Ameri Home Mortgage Acc # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
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:
on XX/XX/2018 I opened disputes of debt validation with all 3 credit reporting agencies. Equifax, XXXX, and XXXX. Equifax and XXXX have not provided me with any proof of validation for the student loans reporting from XXXX, XXXX, XXXX etc. These loans showed {$0.00} paid, closed, and paying on time. After the inquiry of dispute, XXXX and Equifax tripled the summary balance of amount owed and have yet to provide me with any documentation of validation for doing so. I have been on an IBR payment plan where all loans were consolidated and all payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I was told to send in a letter along with a copy of my payments. I had made an agreement in XX/XX/2019 regarding payments while I was hospitalized unexpectedly and still made my payments. I was told by the rep I spoke with XXXX that the fees would be waived and to keep paying what I could as long as I made payments which I did. I was told nothing would be negative to my credit yet this creditor who I was told would help has done nothing to help correct these late payments or missed payments which are totally incorrect and were not late and still have not been corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17
Company: Checkr, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had a temporarily suspended license due to a traffic ticket. It has been cleared with the justice court of XXXX, but the DMV hasn't updated their information and it is still pulling suspended when my license is no longer suspended. DMV told me it will clear, but it may take a few weeks because it was their mistake. I have a copy of a clearance letter from the justice court saying my license is not suspended. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. XX/XX/2020, letters were sent to addressed issues : While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party XXXX XXXX XXXX  XXXX to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

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 2018-04-27
Company: Navient Solutions, LLC.
State: OH
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 have tried to dispute the validity of the loan with Navient and was declined in XX/XX/2017 then today showing on my credit report just 1 of the multiple loans increased over {$600.00} and no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Southern Auto Finance Co
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: Account status incorrect

Complaint:
This account was reported as a charge off/profit loss. However, SAFCO continues to report this account as open when in fact it is closed and written off. 
There has not been any activity on this account since XXXX of 2017 and Southerm Automotive Finance Company continues to report activity. Additionally there should not be any balance remaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: SYNCHRONY FINANCIAL
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:
I have an unsolicited hard inquiry on my credit report from SYNCB on the date of XX/XX/2019 I have not applied for any credit line or service in the year of 2019 and this inquiry has not been done under my permission, it is most likely fraudulent. 

Researching online, I've also discovered several other people have been impacted by the same hard inquiry as it's apparently common for this company to be used for fraudulent activity I would like these inquiries removed and any possible credit allowance or charge removed from my name, these actors should be shut down as they seem to be causing issues to several consumers

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 2021-04-24
Company: XOOM CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I transferred money from my XXXX account to the card and once it was rejected by the card I am immediately cancel the transaction and the company will not give me my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/XXXX I contacted I C Systems via certified mail requesting proof of original documentation containing my signature in accordance under the Fair Debt Collection Practice Act section 809. I C Systems instead mailed a copy of statement or screenshot that included only dates an amounts owed. The correspondence sent to me from I C Systems did not contain any original application or documentation for proof verification. I. C Systems has again violated the FDCP

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 2022-08-09
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX- account 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 2021-05-24
Company: V and H Portfolio
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: Reporting company used your report improperly

Complaint:
On XX/XX/2019 VANCEHUFFMAN added a derogatory mark on my credit report per XXXX and XXXX but not XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor ( XXXX XXXX XXXX XXXX ) did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, they both has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief