BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C systems sent me a notice regarding a XXXX  bill which I am not financially responsible for. 
I sent a letter requesting for billing information showing that the bill is mine. 
I.C systems never sent the letter. 
Instead I.C systems fraudulently placed a collection on my credit reports in violation of fcra laws.

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 2019-06-23
Company: EQUIFAX, INC.
State: OH
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:
In XX/XX/2019 I tried to login and use Equifax, they could not identify me based on their records. I called in, still could not, they requested that I send in ID to verify my identity. I did so on XX/XX/XXXX, to this day, they still say they can't ID me if I try to log in, based on their questions and Account they refer to, they still cant. I have sent in info XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX They do not report or correct or remove items from credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I had a 36-month lease with Toyota Financial Services. Due to a financial hardship, I made the decision to terminate this lease early. I returned the leased vehicle to the original dealer on XX/XX/XXXX. On XX/XX/XXXX, I paid the amount of {$3500.00}. I was told by TFS that this would be the remaining amount of monthly lease payments with a maturity date of XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from TFS stating I needed to pay them an additional {$3300.00} beyond the agreed amount of payoff. I contacted TFS by phone shortly after receiving this letter to question this additional amount. I was told that they sold the vehicle and that this was the difference in what they claimed it was valued at and what they sold it for. The representative told me that there was nothing that he could do to change that and that he could not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 the student loan agency about me being in deferment and I was still reported late. They said it will be updated but nothing happened. The credit bureau didn't follow guidelines and still reported me late.. I came to this country with a vision to succeed. I would never be late on my bills. I work hard to survive and make it.Please help with justice to get these 13 lates removed from my report. Its actually one loan but its reported different on my report. I contacted the student loan to verify. Im beibg reported late 13 times. Please help to update my report

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 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Despite several written request for TransUnion to do a reasonable investigation into this matter, TransUnion continues to report inaccurate information on my credit file. 
TransUnion is reporting an incorrect account status, pay status and account history for XXXX XXXX. TransUnion is reporting a dismissed bankruptcy and charge off status for XXXX XXXX. 
TransUnion has confirm with me by phone that they obtain information on a bankruptcy through a third party vendor known as XXXX. How is this possible? As of XX/XX/2019 there is no bankruptcy reporting on my XXXX file. 

TransUnion is also reporting and erroneous collection account from XXXX XXXX XXXX. This account does not belong to me and there is no original contract that exists between myself and this collection agency.

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 2021-04-13
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a lawsuit by my local court stating that I was served by alternative means via mail and by leaving summon papers by the door on a debt owed but I did not receive anything other than a copy of someone else 's lawsuit that was placed by my door. This is a poor tactic to get the court to say they have served me and now I have a court date on XX/XX/2021. This is not right.

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 2020-04-30
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My federal student loans are currently being serviced by FedLoans, and I am participating in the Federal public service loan forgiveness ( PSLF ) program. I am currently a XXXX XXXX in a 4-year program at a PSLF-eligible XXXX. Since XX/XX/XXXX, I have made monthly payments and therefore at this time should have a total of 48 of 120 PSLF-eligible months/payments at the end of these 4 years ( XX/XX/XXXX ) The number of PSLF-eligible months/payments reflected on my account with FedLoans does not reflect this. During my public service ( XXXX  at a XXXX XXXX   XXXX  ) I also enrolled in a XXXX  XXXX  and received additional loans for tuition, and somehow this took me out of the PSLF program even though I was told it should not affect it and I was told when it showed up wrong that it would be fixed by multiple agents I spoke to. It was never fixed and this was in XXXX. I was even told that based on my income at the time, my payments should be $ XXXX/month so even though they hadn't documented those months they could go back and add them. 

I tried several times to speak with their customer service and was told that a recount could be performed. However, this has not be rectified. I am going to be continuing to work in public service after residency graduation in XXXX, and I have XXXX little children and tremendous student debt. 

I am doing everything I need to do to qualify for this program - please can you help me recount the missing months from my PSLF record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are inaccurate fraudulent accounts reporting on my credit profile

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 2018-11-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Today XXXX-18 : A guy ( whose email and number I have if need be ), tried to sell tickets for a XXXX game to us over the internet. He stated he was at work and would need the money through XXXX. We went ahead and transferred and he never got back to us. After that he blocked my number. XXXX $ XXXX not be a lot for some people but its a lot for me. I attempted to call chase not even 5 min after I realized he blocked my number, and they stated they could not help since I authorized the transfer. They refused to cancel the process before it got to him or he even accepted it. I just want my XXXX $ back and to not let this happen to anyone else. Chase should put their customers first. I even tried to get in contact with the person through the email and they didnt reply. I sent them a text through another number and they only confirmed I was scammed and called me a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: CNG HOLDINGS INC
State: WV
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 applied for XXXX lease and expected to pay off product In time, I was not advised that it would not be paid neither in writing or voice. When it was time for final payment I was told to call XXXX and they were rude and told me to call the police if I thought they were being illegal. I told them I was going with consumer advocate and they changed their tune.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted Experian to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.

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 2020-04-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts in my report.

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 2021-10-16
Company: AMERIFIRST FINANCIAL, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2021, I entered a CoVID-19 forbearance program under the CARES ACT. Prior to forbearance, all previous mortgage payment were made on time. In XXXX of 2021, I requested to end my forbearance status through the loan modification option. It is now XX/XX/2021 and I have not been contacted by the servicer regarding the loan modification and my attempts to get status was unsuccessful. 
I need to be out of forbearance to qualify for a business loan that is essential to keeping my business open. Without the business loan, I am at a risk of additional financial hardship. Any delay in processing the loan modification increase my risk of losing my source of income. 

Background : Since my request for a loan modification, I have not been contacted by the servicer. They have not contacted me to fill out an application, request for documentation or ask for any information. All communications between the servicer and myself were initiated by me. From XXXX of XXXX XX/XX/2021, I proactively called the servicer more than XXXX times to ensure a timely resolution. However, each time I called, the only information provided is that that the loan modification is under review. In recent weeks, I have asked to communicate directly with the loan processor and was informed that is not possible, however, the customer service representative was able to email the processor on my behalf. As such, I made 5 separate requests to the loan processor thru email from the customer service representative for some type of status and was told that the processor will contact me within 24 hours. The loan processor never contacted me. Due to lack of communication and transparency from the servicer regarding the loan modification process and my need to urgently take action to prevent additional financial hardship, I was forced to enter the deferment option which is expected to be process and finalize sooner. 

Complaint : Mortgage servicer failed to respond to borrower ( me ) after repeated attempts at communication. 
Mortgage servicer did not work with borrower throughout the loan modification process. 
Delays in sending certain notices and taking certain actions required by Regulation X. 
Did not demonstrate effectiveness in helping borrower through the loan modification process. 
Lack of communication. 
Did not effectively managing borrower requests for assistance, promoting loss mitigation, and ultimately increasing risk of avoidable foreclosure. 
Did not respond to borrower requests and complaints in a timely manner. 

As a result of the complaints described above, I was forced to end my forbearance through an option that increases my financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: LEXISNEXIS
State: IL
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:
Third party are reporting a bankruptcy on our credit reports. The bankruptcy is not disclosed by the bankruptcy court and are in violation to the fair credit act. I have asked for it to be removed from our credit reports but keep getting from the credit bureaus that it is a valid reporting without having verification other than stating theu received it from a third party. The bankruptcy court has informed me that they do not report information to the third party and that they do not disclose bankruptcies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: JPMORGAN CHASE & 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: Information belongs to someone else

Complaint:
JPMCB an account was opened under my name as an authorized user with out my permission the account is still active an high balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts in my report.

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 2018-01-26
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was trying to lol I my account with XXXX but the company dont allow me to donso

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
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 applied for a XXXXl XXXX secured card on XXXX XXXX And they did a hard credit check inquiry on me on XXXX XXXX XXXX and Experian which is find. But the part that is not cool is when I checked on my application on XXXX XXXX and they did another Hard credit check inquiry on me on XXXX XXXX XXXX XXXX Experian. That's 6 Hard inquiry 's all together for one application I put in. I need them to take off one hard inquiry on XXXX, XXXX, and Experian. One on each is justified, but two is not. I know they stay on your report for two years. But having two hard inquiry 's can drop your credit score even more. 
and its wrong when they add a extra hard inquiry on all three credit reporting agencies when I only applied once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a XXXX XXXX  secured card on XX/XX/2019 And they did a hard credit check inquiry on me on Transunion , XXXX  and XXXX which is find. But the part that is not cool is when I checked on my application on XX/XX/2019and they did another Hard credit check inquiry on me on Transunion , XXXX , XXXX. That's 6 Hard inquiry 's all together for one application I put in. I need them to take off one hard inquiry on Transunion, XXXX, and XXXX. One on each is justified, but two is not. I know they stay on your report for two years. But having two hard inquiry 's can drop your credit score even more. 
and its wrong when they add a extra hard inquiry on all three credit reporting agencies when I only applied once.

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 2018-11-11
Company: EQUIFAX, INC.
State: MI
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:
On or about XX/XX/2018 Equifax received a dispute letter from me asking them to provide accuracy of a public record ( bankruptcy ) and if they could`nt verify to please remove immediately see attached letter.After the completed investigation from Equifax it was told in a letter that a third party vendor XXXX XXXX had verified the bankruptcy see letter attached marked ( A ) i find this impossible because i put a security freeze on XXXX XXXX this is clearly a privacy violation for both agencies. I need to how is this verification legal since the courthouse on record doesn`t release said information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX Date open XX/XX/XXXX to date of last payment XX/XX/XXXX they are not reporting any of my on time payments for this period. In fact the only thing being reported in the five year period is 30 days late which is incorrect and unverified.

I have asked the creditor to provide physical proof and verification of the payment history on numerous occasions and they have failed to verify this information but continue to report it inconstantly to the credit bureaus. It obliviously cant be correct and verified when it is not being reported the same.

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. 

XXXX XXXX has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages.

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 2019-03-22
Company: Experian Information Solutions Inc.
State: SC
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:
Experian is refusing to send my disputes out. I will dispute something and 1 day later get a notification back that the creditor has verified the information. There is no way that it can be verified in 1 day. A Prime example is XXXX XXXX is showing 60 days late in XXXX. I contacted XXXX XXXX at ( XXXX ) XXXXXXXX and even they agreed that the late payments for XXXX were not correct because they have not even reported for XXXX yet

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 2021-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One closed my credit card without my knowledge. I spent over 3 hours on the phone in one day, trying to find answers and proper documentation. It turns out, capital one didnt disclose that they can close your account without your knowledge. They stated due to payment return which is outside of normal monthly payments. Basically if you try to transfer money from another bank to capital one account, they can take up to a week to post the transaction leaving consumers confused about the funds available in either accounts. Also, customer service is poor and no one is able to disclose these terms before you find out the hard way ( account closure ). Capital One collected a {$600.00} payment to the card after closing it, without my knowledge that Id have no access to the funds. 
At one point, when my call was escalate, the agent who identified herself as XXXX ( spelling ), said that too many payment returns as a reason for account closure without notifying the customer, was proprietary company information and didnt have to be disclosed with the customer.

Company response to consumer: Closed with explanation