BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The below accounts are keeping me from refinancing my home, and many other things I am trying to do, these accounts do not belong to me and I have tried very hard to get these companies to fix this on my report because it is not mine, but they haven't removed this inaccurate information as of yet. 

XXXX XXXX Opened XX/XX/XXXX {$680.00} Account # XXXX CREDIT CARD XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$670.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$580.00} Account # XXXX UNSECURED XXXX   XXXX Opened XX/XX/XXXX Balance {$500.00} Account # XXXX XXXX COLLECTION AGEN Opened XX/XX/XXXX Balance {$380.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX UNSECURED COLLECTION Opened XX/XX/XXXX Balance {$50.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$50.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX BCOLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} XXXX Account # XXXX TBOM/MILSTNE Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$1400.00} Account # 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 2018-02-25
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Paypal allowed a fraudulent charge to occur on my account. I called the credit card company and they fixed the issue. Paypal locked my account down. I then submitted documentation on XX/XX/XXXX. The information has not been enjoying reviewed and my account remains locked. I have sent over ten emails and have gotten Zero Response. This violates banking codes of ethics and US Codes regarding access to accounts. XXXX is unable to access this account for payment causing undue harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: LEXISNEXIS
State: NY
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:
XXXX keeps reporting a deleted collection as accurate. The collection agency deleted the account and XXXX removed it but not XXXX. I have been trying to contact XXXX about this and they still keep reporting as of today. I have proof that the account is inaccurate and not mine. I have submitted a dispute numerous times and they wont delete it, even though the agency deleted it from all 3 bureaus. According to the FCRA, incorrect, inaccurate, unverified accounts must be deleted from credit reporting but XXXX  isnt following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Harmon Law Offices, P.C.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Once again XXXX XXXX XXXX XXXX XXXX now represented by Harmon Law PC ( attorney XXXX XXXX ) is attempting to use the name XXXX XXXX again, this time on foreclosure actions and has already been told to stop using it, and XXXX promised to stop using it!!. XXXX XXXX was on the XXXX deed as Co Joint Tenant meaning his name is removed at death which ocurred in XXXX and XXXX already has the death certificate. I am demanding Harmon Law PC and any other representative of XXXX XXXX XXXX XXXX  XXXX stop using it!! IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Navient Solutions, LLC.
State: PA
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:
It was time to recertify my pay as you earn student loan repayment plan. I spoke to  XXXX  and submitted my documents. The amount they came back with was way too high. So they instructed me to go on student loan.gov to do a direct consolidation in order to get on a plan that would lower my payment. This info was given aft er 5 or 6 call s to  XXXX  with conflicting info about my payment. There were several payment amounts given with a huge range.  XXXX  to  XXXX . Finally, I was sent to do a direct consolidation. I did that application online and was given a list of servicers to choose from. We CHOSE navient and called them to make sure they recieved our application. They said they never recieved it but they could take it over the phone. So, we did that. They have is a payment plan for my student loans. They said my payments would be  XXXX  a month for 4 months then  XXXX  after that. They told me I had to do an ach payment for the f irst 4  payments then I could pay as i go after that. Well a payment was taken before I could even send my income tax return. So I call navient to find out where i could fax that info. When I called navient back they said they never recieved a payment and the representative told me I was scammed. The company I have money to said they  were Navient and it even shows on my bank account NAVIENT  withdrew  XXXX  from my account. It was n't someone telling us they were giving me a service. They said they are navient and they were collecting my student loan payment. This is the number they left us.  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I am a recent victim of flood damage due to hurricane florence. I submitted a claim to my insurance company. The claim was approved in a RCV amount of {$84000.00} and an ACV amount of {$75000.00}. My mortgage company ( JPMorgan Chase ) is currently holding the funds and has released {$10000.00} so far. I am to receive another {$10000.00} soon. 
My issue is that I have elected to contract myself to do the work as I am 100 % confident, knowledgeable, and able to do the work. My mortgage company has notified me that only {$20000.00} will be released until the home undergoes a 100 % completion inspection. Obviously there is no way I can repair the home with only {$20000.00}. I have called them many times and have received a different answer on this issue every time. The responses I received are as follows : * I would receive {$20000.00} first, then after I submitted documentation on the status of the repair and a 50 % completion inspection was approved I would receive another {$20000.00}. Then a completion inspection would take place and if approved they would release the rest of the claim funds. 
* I would receive {$20000.00} and no more until a completion inspection approved the release of the rest of the claim funds. 
* I would not receive any of the claim funds until the completion inspection is approved. 

I have tried to compensate for this shortfall, attempting to avoid conflict with my mortgage company, by applying for an SBA unsecured loan in the amount of {$25000.00}. I was approved but the process was halted as I have received insurance claim funds, which is a conflict of the SBA loan funds against my insurance claim funds. This situation seems to me as a deterrent in the contracting of myself to repair my home. The reason I pursue this so strongly is the availability of contractors in my area is extremely low and I wish to get my home repaired as soon as possible. I am displaced and can not afford it much longer. My intentions are only in good faith to put my life back together. I hope there is something you can do for me as I am running out of options and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Skopos Financial, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When making payments above the minimum amount due, this company does not automatically apply those funds towards the principal. It is instead held back and given as a credit on the next payment. This company wrongly collects interest on the portion of the loan that should have been paid down on the principal by with holding the funds instead of applying them to the principal. 

Also, while trying to apply a payment through their website, regardless of the browser used, and even by following their directions to allow 3rd party cookies, the website will not allow you to make a payment. You either have to send in a check, or call their automated service, which results in a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am so furious with Chase bank. I recently applied for the XXXX loan, and went through their underwriting provided all supporting documentation that I am a XXXX XXXX  working as a XXXX XXXX XXXX. I got approved for the loan, and the funds were disbursed into my checking account, now Chase is freezing my account because they are stating its not a business account and I have to provide an EIN number, I am not legally obligated to have an EIN number if im working as XXXX XXXX and I do not have any employees. I am working by myself, and charge for my XXXX XXXX XXXX. I am very angry that they are not willing to listen when I am explaining that I can not have a XXXX account with chase unless I have an EIN number or corporation. If I ama working as XXXX XXXX I am qualified to receive this loan Per SBA EIDL guidelines. I met the requirements, I went through their underwriting process and they approved me for this loan based on their requirements and underwriting. Chase can not require me to have something that SBA does not require. Chase is not the one issuing me this loan amount. SBA EIDL is. I needed this loan ASAP to help me with the lockdowns we are going through and not being able to work. Very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Experian Information Solutions Inc.
State: FL
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:
This data aggregator has collected source data from a county government indicating that I had pled guilt to 3 Felony Convictions ; Possession of Controlled Substance in XXXX XXXX County on XX/XX/2014. This is not me. The DOB that this provider used and is using as the data provided to their customers is XX/XX/XXXX - XX/XX/XXXX. It is therefore not specific to me. They also used a subset of my name to not include full middle name or proper suffix. I was turned down for a lease because of this inaccurate and defamatory information. I also believe that has crept into credit reports under a category of Derogatory Personal Information. This then propagates into every credit union and other organizations ( ie, employers ). These people must be more rigorous and be punished for these inaccuracies. There 'website ' offers no way to complain to them and no address to correspond with them. Hole in the wall aggregator of inaccuracies harming thousands of consumers. I want them penalized. I want them to clean up their act or withdrawing from this service business.

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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 not receive any response from this company.

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 2018-10-22
Company: EQUIFAX, 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:
This bill should not have been given to me. This was fraudulent activity that was done, and billed to the incorrect person. When dealing with this before, it was removed several months ago ( {$640.00} ). Now, it is back on my credit report and this is stopping me from closing on a home. This bill does not belong to me. I am very upset. This is not fair for someone who works hard, pays taxes, and pays bills all of the time. I sent multiple letters, and it was once removed from my credit report. Now, it has reappeared within the last two months. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019 mortgage payment to XXXX was returned to me, At this point I received a statment from Shellpoint so I called Shellpoint they gave me a name and number to call along with an email address to send proof of payments. I called and left a message after send the proof of payment. The following week I received notification of an estate sale on my door. This was after I had already sent my statements proving that I had made payments from XX/XX/2019 thru XX/XX/2019. I have tried emailing, calling number listed on letter from Shellpoint and tried calling the number for the company that filed for the estate sale. The contact info from the letter was an invalid, got caught in the loop, the emails I sent got the standard notification stating they received an email from me but I never got a return call or email from anyone. The number for the company listed as the one filing the Estate sale had a message stating the number was not provisioned. 
I am afraid to even give them any money for fear of their inability to properly handle it. I have had my home for 24 years and I genuinely feel that they are robbing me of my home by their false allegations of not making payments when I have sent them proof of my payments. I can not help the fact that the bought my loan and was lied to by XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: National Recovery Solutions, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company notified me of a debt owed that it has not validated and/or verified. I sent notice to this company & they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has called me several times from Unknown Number. They called three times today and I answered the third time ( XX/XX/XXXX ). I  asked them, isnt it illegal to call from an unknown number, and he stated that his company does not do anything illegal. They also called me from an Unknown Number twice on Thursday, XX/XX/XXXX, and I did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Experian Information Solutions Inc.
State: CO
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:
I filed bankruptcy on XX/XX/XXXX and finalized it in XX/XX/XXXX. This information should not appear on my credit report as the Courts do not report this information. Please look into this and remove both derogatory marks from my credit reports. I have submitted several inquires and have been told the information is correct, but have not been provided proof.

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 2021-02-24
Company: EQUIFAX, 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:
Please review what was removed from My XXXX XXXX report because of fraud and can you please update and remove the items from your bureaus. 

XXXX XXXX XXXX Account Removed From Report XXXX XXXX XXXX Account Removed From Report XXXX XXXX Account Removed From Report XXXX XXXX XXXX Account Removed From Report XXXX/XXXX Account Removed From Report XXXX XXXX XXXX Account Removed From Report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the portfolio recovery accounts on my report multiple times. XXXX XXXX have not sent me a contract showing my interest rate nor my signature. According to the 609 ( a ) Credit if something cant be verify it must come off my credit. They will send me a summary of a account but they dont have no original documentation. I will be reporting them to the the Arizona attorney general in 2 weeks if this is not of my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: EQUIFAX, INC.
State: IN
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:
Account for old car loan that that was paid off has many things on my reports inaccurately. Disputed info over 30 days ago with XXXX and Equifax.. I want to have this account removed from reports. Have screen sots and copies of all inaccurate negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have tried to get this corrected before with no response.

There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contract with. I would like a copy of my full file report on your files for my own personal review.

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 2018-10-24
Company: EQUIFAX, INC.
State: NJ
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: Information that should be on the report is missing

Complaint:
Problem with Equifax : On XX/XX/XXXX I contacted Equifax to temporarily unfreeze my credit information. My credit was frozen XX/XX/XXXX. I had previously temporarily unfroze my credit on XX/XX/XXXX. My request was refused because I was informed that I did not answer the security questions correctly. I did not accept this response and spoke to several representatives and a supervisor. All refused my request. In fact, the last Equifax representative claimed my account was not frozen even though I read the letter to her from Equifax that stated my account was frozen. They suggested I write a letter to their main office. My insurance company wanted to see my credit score tomorrow. 
The frustration I have experienced from Equifax is disgraceful. The bureaucracy in this non consumer friendly firm is disturbing.

Company response to consumer: Closed with explanation