BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by the phone number XXXX on Tuesday, XX/XX/2021 at XXXX the call came from XXXX XXXX , NJ. The caller left a message : " Good Afternoon my name is XXXX I'm calling on behalf of XXXX regarding notification of the pending compliant against XXXX XXXX. We need you to contact the issuing agent at XXXX and reference case number XXXX. This is an urgent legal matter requiring immediate attention. The failure to comply will result in further legal action. Please be advised the just call disapprove efforts of the made to notify you XXXX in regards to this matter all communications are monitored and recorded for legal purposes. '' The same number contacted me Wednesday XX/XX/2021 at XXXX the call came from XXXX XXXX , NJ. The caller left a message : " Afternoon my name is XXXX I'm calling on behalf of XXXX  just regarding a notification on the pending complaint against XXXX XXXX. XXXX you need to contact the issuing agent XXXX and reference case number XXXX. This is an urgent legal matter that requires your immediate attention. Failure to comply will result in further actions being taken. Phone number once again for either you or your attorney to contact is XXXX. Please be advised proof of parts are made to notify XXXX and regards to the matter and all communications are monitored and recorded for legal purposes. '' The same number called again on Thursday XX/XX/2021 at XXXX from XXXX XXXX , NJ. The caller left a message : " This is an urgent message for XXXX XXXX. XXXX your file has been forwarded back to my office for noncompliance this time sensitive to prevent stop further actions from being taken against you. You need to contact issuing agent at XXXX reference case number XXXX. All communications are monitored and recorded for legal purposes '' The same number has tried contacting my wife on several occasions and left voicemails. 

I called the XXXX number back and spoke to a woman, she claimed I have a unsettled credit card debit with Chase bank and I am being sued in small claims court. I explained that I have no credit card debit and have been debit free for 5 years. She proceeded to argue with me and claim XXXX has a unpaid outstanding debit against me. She asked me to verify my last for digits of my Social Security Number. I asked why I had not received any notifications about this matter in the mail and she responded that the claim is moving forward to small claims court. At this point I realized this was a possible scam and told her that I need proof sent to me via the mail regarding this matter, she gave a run around answer and I told her to XXXX off and you do what you need to do as I will do what I need to do to report the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I tried to withdraw XXXX $ from capital one bank ATM. Screen went blank, read GENERAL ERROR, returned my card, and stayed offline. Branch informed me that ATM withdrew the XXXX $ from my account. I never received any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Experian Information Solutions 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:
I did not authorize the following entities to check my credit, again! XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. Experian says their clients have to remove, their clients say Experian has to remove. Be here done this, not up for the fight!

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 2017-09-20
Company: GVA Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX 2017 open account for XXXX to this date already pay XXXX and still have 6 payments to make which will make the total over 1000.00. can not afford to keep paying on this account and the interest is killer. need to have account closed and taking care of. feel it is pay in full. no more monies coming out. this is loan shark company and when you need help or in desperate need they are there to help but in the long run interest alone will get you on trying to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Lloyd & McDaniel, PLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2018 A Motion for Judgment on the Pleadings was mailed to my residence from Lloyd & McDaniel stating that a court date had been set for XX/XX/XXXX in XXXX county District court. This was the first knowledge that a lawsuit had been filed against me. I had not been served previously with a Summons/Complaint as described by Kentucky statue. Having not been properly served, I was not afforded the time to file an answer. 

Checking with the court, the lawsuit was filed on XX/XX/2018. I had previously written a letter to Lloyd and McDaniel stating my financial situation. The letter dated XX/XX/2018 was a letter in general and did not attest to any knowledge of a lawsuit. Lloyd & McDaniel used this letter as an answer to an unserved  summons/complaint. The letter was written over the 20 day time frame for an answer, so could not be construed as an answer. 

Lloyd & McDaniel was granted a summary judgment on XX/XX/2018. I am disputing this action. I feel that Lloyd & McDaniel has been granted this summary judgment using unethical methods to obtain the judgment. I have a letter from the original creditor that the debt was written off, but yet, the lawsuit stated that the original creditor was the Plaintiff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have reported to the XXXX that the addresses listed on my credit report is and and never has been my address. They refuse to remove it saying that my bank reporting the address. I contacted my bank and they DID NOT report the address and the address shows NO where on any of my accounts with them. The address is XXXX XXXX XXXX XXXX, TX XXXX The only address that is correct and should be showing on my credit report is XXXX XXXX XXXX XXXX  XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Experian Information Solutions Inc.
State: CT
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:
I contacted XXXX XXXX about my XXXX XXXX Credit Card. I had misplaced the card and requested a new one. One week later, I was notified by Experian that the XXXX XXXX XXXX Account had DELETED ENTIRELY from my credit profile, causing my FICO SCORE to DROP 25 POINTS!!! 

I immediately contacted XXXX  and they told me I should dispute it- which I did. Nothing changed. I called XXXX back, and they told me they had made the adjustments on their end. 

To date, that has not occurred. I have emailed XXXX and contacted them no less than 5 times both via telephone and in writing. And not ONE change has been made. I have an OPEN ACCOUNT with a BALANCE DUE which is NOT reporting on my credit report.. 

Certainly people have lost a credit card without having it wiped off their credit report- why is this so DIFFICULT?

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 2023-07-27
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX FOR SALE IN XX/XX/2021 XXXX XX/XX/2021

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 2021-02-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicer, SPS servicing, is refusing to remove PMI at the automatic payment termination date. My loan is current, with no missed payments, There is no 2nd mortgage. XXXX is at 77.89 %. Closing docs show last PMI payment is XX/XX/XXXX21 Company is refusing to remove PMI and forcing me to pay for a BPO to estimate value. 

My original loan documents signed at closing show that last PMI payment is XX/XX/XXXX2021. That payment has been made, and I am being charged again in XXXX. Company told me they will not remove PMI without paying for BPO and that they are not required to, and there is no such thing as automatic termination of PMI. 

I have met every requirement for automatic termination of PMI and loan documents show it is to be terminated. They are not abiding by the terms of my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been paying {$140.00} every month for PMI for years and want it taken off as the property value has increased to at least 78 % of the original value. According to the loan the PMI should automatically terminate when it reaches that level. It has not. I've called numerous times and no one answers all I get is voicemail loop that is endless! I've tried to log in to my account. Again, can't log in with my password. When I request a new password, I have never received it. Please help! Yes, I'm current on all my mortgage payments, never late.

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 2019-03-06
Company: GreenSky, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The building I financed through Greensky was never completed by the contractor. I filed a complaint on XX/XX/XXXX, case number XXXX through Greensky to get the building finished before we would begin payments. This drug on through XX/XX/XXXX, with me providing to Greensky, and estimate of the cost to finish the building since the contractor wouldn't do it. I also filed a complaint against the company XXXX XXXX, XXXX XXXX XXXX, XXXX, Ar XXXX, phone XXXX through the XXXX Attourney Generals office, complaint # XXXX trying to either get the company to finish the job, or deduct the price of the unfinished building costs from the loan costs. XXXX  XXXX stated to the Attourney Generals Office on XX/XX/XXXX that they would come and finish the job. I have had no further contact since then. I do not feel Greensky should be charging me now, when they held off throughout the complaint process on charging principal or interest until this was resolved. Then without notice of the problem being resolved, they sent me a monthly payment due notice dated XX/XX/XXXX. I feel this problem of an unfulfilled contract and unfinished building needs to be resolved before payments begin. When I called the Greensky to let them know I would not be making payments until the building was complete, their response was " we will ruin your credit :.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-02-02
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I submitted a payoff statement for a second mortgage that was attached to my home XX/XX/2020. Upon receipt of the funds, the mortgage company informed me they would be releasing the lien associated with that second mortgage ( see payoff statement.eml ). 

My new mortgage company scheduled a title signing date ( XX/XX/2020 ) for the new mortgage based upon this information. On XX/XX/XXXX, the Title company reached out to inform the new mortgage company that the second lien had not yet been released ( see attached email Title Signing.eml ) I called multiple times in XXXX ( according to my outbound call history, XXXX, XXXX, and XX/XX/XXXX ) inquiring as to why this lien was not released, but nobody was able to identify that it was not released until the XX/XX/XXXX call. At that time a rush order was placed to get the lien released, and it was released by XXXX. 

During this time, I was continuously being charged for my existing mortgage for XXXX a month. Given the dates, the mortgage extended two months beyond where it should have, as this was the only blocker from us signing with Title on XX/XX/2020.

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 2018-09-28
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi During my kids eye test for XXXX XXXX, all medical insurance details were provided to XXXX XXXX XXXX   XXXX   XXXX XXXX, NJ. They checked the insurance and mentioned we were covered for the services. Instead of collecting the money from the insurance company, they reported to it to debt collections agency who then send it to credit reporting agency as uncollected debt. 

We had told the debt collectors that the insurance details has been given, yet they refused to collect it from the medical insurance company. This has impacted my credit score. Needs to immediately take corrective action else we will follow with legal action. 

Details below Opened XX/XX/2018 ( 3 mos ) Account status Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX  XXXX XXXX, NJ Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2020-11-05
Company: Consumer Portfolio Services, Inc.
State: AL
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:
On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
False information being reported. Also, to prove my claim, there is two different balances between credit report and XXXX XXXX XXXX  website being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TD BANK US HOLDING COMPANY
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:
This account has appeared on my credit report as of XX/XX/2019. I have never had any dealings with this company. 

Validate Account XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: World Acceptance Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I did not agree to the terms they have now added I was suppose to pay {$170.00} for 15 payments and I have been paying this bill since XXXX or XXXX  it was right when COVID-19 1st hit I have asked they to STOP reporting inaccurate info on my credit report but they have not and now they are taking me to court I do not owe them anything and I want my report fixed they had a alleged documents that looks like a copy and paste of my signature. I owe them nothing and wish for the collections to cease and my credit report updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX-2018 I submitted a complaint and this has been removed from my credit profile and consumer credit reporting agencies. This is not my account. But USAA has shared my info again with another credit collection agency and I am being called repeatedly. I told the man calling me I could prove I am not on this loan and do not call me anymore he stated that this would not do me any good. I WANT THIS TO STOP! USAA NEEDS TO REMOVE ME PERMANENTLY AND NOT SHARE MY INFO AGAIN I DO NOT WANT THEM TO HAVE MY INFO!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I previously sent an inquiry to the credit bureaus to have debt collections removed from my file and it is still on my credit report ... .these debts was obtain without my permission and I have filed an identity theft report ... ..please remove from my 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 explanation
Consumer complaint received 2018-05-10
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: Old information reappears or never goes away

Complaint:
I recently reviewed my annual credit report and found that there are adverse remarks on my record. I have a charge off remark from the credit card XXXX XXXX. However, I profoundly disagree with such remarks. This reporting done on the behalf of XXXX is inaccurate and although I have reached out to them they have failed to resolve the issue. 
On or around XX/XX/XXXX I decided to end my business with XXXX as a result of the negative experiences I had with the bank. I switched over to my local credit union and when I ended my affiliation with them I could no longer access the  online accounts which included my XXXX XXXX. As time progressed I expected to receive statements from the XXXX credit card, but they never arrived. I never received any phone calls to attempt to collect my payment as many other cards do. It is important to note that my phone number has not changed in the past 15 years. Six months later on XXXX of XXXX, I received a phone call in which I was notified that I was past due on the account and they were attempting to collect what I owed. The amount the person told me to pay was {$880.00} which I diligently paid as instructed. The person failed to inform me that I still owed {$370.00}. It is also important to note that I never received documentation that confirmed my payment to the debt. As a result of their failure to fully disclose any further information, the {$370.00} became the amount that has been charged off since XX/XX/XXXX without my knowledge or consent. 
Had XXXX been transparent with me and solely wanted to retrieve their money I would have paid the full amount as I did when I was instructed to pay the {$880.00} amount. I feel that the failure to inform me of my own account has resulted in a black mark on my record and has haunted my credit score for years. I reached out to XXXX again in XX/XX/XXXXand threatened to seek legal action and it was until then that they agreed to remove the charge off and settle the debt. I again reached out to XXXX a few days ago and was informed that it appeared that my debt had been sold to a debt collecting company, come to find out this was another LIE. After reviewing my bank statement for the month the debt was PAID, it shows the payment went to XXXX XXXX E-pay to be exact is what it says on my statement. I am infuriated by the lack of professionalism XXXX has demonstrated when trying to solve this problem, lies after lies. I am infuriated because this is absolutely not an accurate portrayal of my reliability and dependability to pay my debts in a timely manner. I feel I have been underhandedly placed in this situation due to my discontent with the problematic and fraudulent company that XXXX is.

Company response to consumer: Closed with explanation