BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XXXX, I wrote to Equifax requesting an investigation into items that I believed were inaccurate. 

NOW XXXX, Equifax failed to provide any investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Chase failed to disclose that there would be an additional lien on the title of {$42000.00} after paying a extended amount of payments over time of the span of XXXX  to XXXX. 
After XXXX paid each month for 30 years. Stii have to pay additional {$42000.00} to have clear title. 
Did not discover this information till I attempted To refinance the house. 
PREDATORY BEHAVIOR

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The CRA 's are reporting false Public Record information in my credit profile.

RE : XXXX COURT CENTRAL CALIFORNIA Docket # XXXX XXXX COURT CENTRAL CALIFORNIA Docket # XXXX After contacting the CA Bankruptcy court I was informed there were NO BK cases filed in my name. I was also informed that the " COURT '' and I Quote ... '' does NOT contact respond, or communicate with third party vendors '' This will include Equifax, XXXX  and XXXX. Knowing this verifiable fact. I am puzzled that the CRA 's continue to " verify/ validate and account with out researching it according to the FCRA statutes. They are violating FCRA 611

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: EQUIFAX, INC.
State: MD
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, 2017 I sent in the final payment for my car but, my credit scores when down why is that? I feel like I 'm being targeted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2020, I disputed the problems on my credit file with TRANSUNION which I will be escalating to you today. I asked for the fake names as mistake in identity to be removed, wrong account reporting balances, accounts reported not mine and sought for validations. However, I was only pushed back all these agencies that they verified and valid with no proof. I also called them to see how and why they are doing this but to no avail. Now, i have no choice to have you intervene for me. why are they treating me like a number? I have now decided to show them what i need to be done based on the laws that protect me as a consumer.

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 2019-08-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Synchrony Bank issues credit cards on behalf of XXXX  XXXX. This credit card includes a feature that as advertised if you earn XXXX points you will be enrolled in their upgraded loyalty program called " XXXX '' they advertise often on their webpage " Once a card member, reach XXXX status by earning XXXX points in a calendar year '' which includes varies upgraded features and benefits. I earned the points required to make this transaction occur in fact their own webpage states that my account should be XXXX, please see the attached documentation. However the Bank representatives tell me that my account is not eligible for the upgrade status until I spend {$5000.00} in a calendar year outside of Gap brands. I've included the disclosure provided by the bank in their advertisement and there is no language that states that. The program states I must earn XXXX points and they can not be bonus points. I have met that requirement and they will not honor their program.

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 2021-02-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a letter yesterday saying I requested Rooms to Go credit product. I have never been in a Rooms to Go store or purchased anything online. It is dated XX/XX/21 and the credit needs to be called in by XX/XX/21. It is with Synchrony Bank. Someone is trying to use my name to get a credit card or something similiar.

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 2023-04-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a sofa from XXXX XXXX XXXX on XX/XX/XXXX for {$1900.00}. The company told me it would take 18 weeks to receive my sofa. I received many emails alerting me later and later delivery dates, the last communication saying it would be XX/XX/XXXX. They even sent photos of my finished sofa ready to ship from XXXX. Then in XXXX I was told the furniture company went Bankrupt. I sent receipt and all communication to my Citibank Credit Card dispute department and was denied reimbursement saying the purchase was made too long ago.

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 2019-08-16
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
A modification package was sent to Ocwen on XX/XX/2019. On XX/XX/2019 a representative for Ocwen, XXXX ID XXXX confirmed a complete package and we were told 30 day review for decision. On XX/XX/2019 the loan was transferred to PHH and the entire package was sent to PHH via fax. XX/XX/2019 a representative for PHH, XXXX ID XXXX confirmed a full modification package and we were told we were back in underwriting review. Subsequent follow up calls on XX/XX/2019, XX/XX/2019 and XX/XX/2019 we were told that the file was in underwriting review. XX/XX/2019 a representative for PHH, XXXX ID XXXX, advised that a letter was coming asking for an additional 30 days to review. Per XXXX the investor requested the additional review time. XX/XX/2019 status update call also confirmed we were in underwriting.On XXXX XXXX a status call had PHH requesting updated 30 days of paystubs, no supervisor was available and I did not receive a call back. XXXX XXXX the paystubs were submitted.Calls on XX/XX/XXXX and XX/XX/XXXX we  were told that the paystubs were illegible and there was another bank specific form requested, submitted XX/XX/2019. On XX/XX/2019 a supervisor was available, ID XXXX, and we were told we would be back to underwriting the following week. On XX/XX/2019 I spoke to supervisor, XXXX ID XXXX and was told that XXXX XXXX denied the modification, when asked why they kept collecting document, no one knew.XX/XX/2019 a research request was opened to see what was going on. The research request was never received. Documents continued to be collected until we were told we were back in underwriting as of XX/XX/2019 and looking for investor approval. As of today, XX/XX/2019 PHH is still requesting documents. We would like an explanation for the length of time this file has been in loss mitigation and the decisions made by PHH and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 {$4300.00} United Collection Bureau , Inc . 
Current Creditor XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX THE ACTIONS THAT WERE TAKEN THE ACCOUNT HAS BEEN PLACED TO UNITED COLLECTION BUREAU FOR COLLECTION AND AUTHORIZED TO OFFER A SETTLEMENT IN THE AMOUNT OF 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 2017-08-05
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: Problem with personal statement of dispute

Complaint:
I have disputed my loans several times, have been sent to late payment status and my credit score is being affected. I did take out student Loan but school I attended was closed due to fraud. I am no longer available to transfer credits or finish course

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 2022-08-14
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX XXXX has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Navient Solutions, LLC.
State: FL
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 have requested and documented my efforts on numerous occasions the accuracy of my account with Navient, due to the outstanding high balance. So far, I have not received sufficient contractual signed agreements for all the student loans I am being held responsible for & I do not believe I am responsible nor agreed to the amount Navient is stating I owe. Navient has not been able to provide me signed documents showing I agreed to the loan amounts they are holding me responsible for. Instead Navient provided a couple promissory notes some in which are incomplete & do not match the balance I am being held responsible for. After many failed attempts to be gather this information I am hoping the CFPB can assist. I am once again requesting Navient to provide the exact copies of my signed agreement for each student loan I am held responsible & how my balance was figured.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX, Reference # XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. XXXX XXXX XXXX  the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$360.00}. CLIENT is in violation of Title 15 USC 16 SERVICES, INC 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts ( company name ) may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. For the record I XXXX XXXX XXXX is due monetary relief for each violation listed about of {$1000.00} per violation totaling an amount of {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ability recovery services is listed on my credit as the collector for XXXX XXXX, I never attended XXXX XXXX. I filed a dispute 4 times over the past 3 years about XXXX XXXX and/or Ability Service Recovery Service and have told them that I never attended the school, I never physically signed an agreement with the school. They have ignored my attempts to get the negative remark removed from my credit. Ability Recovery Services is listed on my credit as {$1700.00} and again as {$1700.00}. 
The amount listed as {$1700.00} was opened on XX/XX/2019 The amount listed as {$1700.00} was opened on XX/XX/2019 I have never attended XXXX XXXX or ever called for information let alone signed an agreement to attend their institution.

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 2020-11-17
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 {$10000.00}, {$0.00}, {$5700.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

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

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -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 2020-05-16
Company: VW Credit
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: Problem with personal statement of dispute

Complaint:
I have a auto lease with VW XXXX  XXXX  XXXX  services. Due to XXXX XXXX Pandemic I was adversally affected financially and contacted XXXX XXXX who agreed to a 3 month deferral of monthly payments and would NOT report that my account was delinquent or charge late fee. This is confirmed in writing. Notwithstanding agreement, VW reported to all credit bureau agencies that my account was delinquent in violation of the agreement and the CARES Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: Experian Information Solutions 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:
6. I have not received and confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from the affidavit attached ) ********

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 2018-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
every day, several times a day, calls are made, very abuse conduct, constanly calling. had an attorney notify them in letter telling them not to call anymore. they have continued calling, everyday and several times a day, with different numbers from all states, really abusive. iv notified my attorney and they also will notify them again, they are not suppose to call anymore. the company doing this is : portfolio recovery, they are a collection agentency, with 3 different collections. they call from all different numbers.from different states. calls have been from XX/XX/2018- till now, continues everyday. several times a day, from XXXX - to evening time after XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: Lending Club Corp
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took the loan from Lending Club in XXXX of 2018. In XXXX of 2018 I was contacted saying my bank refused to release the payment. I asked lending club to try again which they did and the payment went through. For the next three months this happened repeatedly. I filed a complaint with the NYS Department of Financial Services. Their investigation proved it was a 205 error on Lending Club. In XXXX Lending Club turned my account over to a collection agency demanding payment in full for the entire loan. When I explained the situation to them they said they would look into it. I never heard back from them. The next month lending club called asking about payment and told me the account had been pulled back from the collection agency but never notified me for a month and put more late payments on my credit report. Finally after over 20 phone calls I was given a senior supervisors phone number from the Department of Financial Services. She told me I had to reenter my account information into the system because it had been purged. I accessed the system but when I tried to reenter my password to give my account information their system said my password was invalid. Afte 2 weeks the supervisor finally returned my call and helped me change my password. When I finally logged in I found my account information was there all along. When I contacted the supervisor back she informed me that my bank account was invalid for their purposes even though for 9 months everything was fine. Lending Club never returns calls, lies, refuses to admit when they have a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Called to inform them that I was out of work with no income. I had to apply for government assistance. I am unable to pay my student loan and could I get help. 
They told me we cant help you. I said well I cant pay you. 
Im applying for XXXX there was no resolution. They continue to call and harass me about payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Exeter Finance Corp.
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: Account information incorrect

Complaint:
I sent a factual dispute of my 3-bureau credit report directly with Exeter Finance and they found that their records were accurate. That is  IMPOSSIBLE with all the errors I found on the accounts I have with them. I will attach supporting documentation to support my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: JPMORGAN CHASE & CO.
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:
XXXX XXXX XXXX on XX/XX/18 has an inquiries that I did not request or apply for a car loan threw them on XX/XX/18. I have also filed a complaint with the US Attorney office in regards to the matter of an fraud credit inquiries and proof from XXXX XXXX XXXX to show documents and my signature for a such loan.

Company response to consumer: Closed with explanation