BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-03
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
To whom it may concern XX/XX/2020 I got hit with a hard inquiry from capital one. I did not apply for any card with them. This was never authorized by me. I didn't sign anything or sign up for anything. Just looking for this to be removed since it is inaccurate or fraud by someone trying to be me. I came here right away as soon as I was aware of situation. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: Fidelity National Information Services, Inc. (FNIS)
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:
please read my letter attached below. I recently pulled my chex systems report after a denial, and I see some information on here that I do not recgonize. Thank you for your assistance in this matter.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2021-09-20
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
A dispute was escalated with Chase Card Services due to an unauthorized/not validated Final statement of charges provided on XX/XX/2021 ; in the amount of {$2200.00}. The Final Invoice clearly states " Your signature is required '' and was never signed. Per the office staff at XXXX, not all services were completed. Incorrect and False information provided on statement of charges. It is almost impossible to communicate with employees at Chase Card Services when calling by via telephone due to the lack of staffing ( automated messages only ). Police report provided to Chase and case was still closed out without any prior communication and/or follow-up. Please See Attached, Additional detailed information available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit 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 2023-06-07
Company: Upstart Holdings, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Complain about their predatory interest and how the payments I was making was only paying the fees and not the balance, and I also found it strange that they give you option to pay early but it still only covers the fees not the balance, so in the end one still is obligated to pay the complete interest fee the want which is XXXX the same amount as the loan it self.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: EQUIFAX, INC.
State: UT
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 is reporting a new collection to my credit that I never received information on. This is in violation of my 30 day right to dispute as I never got any notice and only saw the collection once I had my credit pulled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a XXXX XXXX and my financial planning is based on the assumption that I will be eligible for PSLF after 10 years of repayments. 

I left one XXXX to start at another XXXX in the beginning of XX/XX/XXXX. My payment date for that month was XX/XX/XXXX, which happened to be the Sunday between my last day at the former job and my first day at the new job ( I worked Monday through Friday at the former job, kept that schedule at the new job, and took no break in between jobs ). 

XXXX XXXX told me that I was therefore unemployed at the date of my payment and that payment would not count towards my PSLF requirements. 

This is obnoxious and unethical. If I chose to make the payment a day later, it would have counted, so I am essentially being penalized for paying my payments on time. 

I could have simply wrote on my employment certification form that my last day of employment was that Sunday, even though I work Monday through Friday, and that would have been fine. But because I chose to be responsible and honest, I am being punished by an irresponsible and dishonest loan servicer with zero accountability to the public. 

Furthermore, to consider me " unemployed '' for not working during the weekend when I have been consistently employed full-time with NO gaps in my employment is pure nonsense. 

I have spoken to multiple people at XXXX about this issue and they have told me there is nothing they can do. According to them, this is my fault - I should have known that they would have considered me unemployed for not working on that Sunday, and rescheduled my payments accordingly. Evidently and counter-intuitively, making things easier for everyone involved by enrolling in automatic payments and paying my payments on time is frowned upon by the loan servicer. 

Any assistance with this issue would be greatly appreciated. The fact that XXXX gets away with this behavior and there is no way for the public to hold them accountable when they are the sole servicer appointed to handle PSLF is entirely unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I was in an accident on XX/XX/2023. I opened a claim with the at fault drivers insurance. They took a while to get back to me so it was probably a few weeks after I was told that there was no coverage at the time of the accident. So I then opened a claim with my insurance. This was on XX/XX/XXXX. I reached out to the total loss department at global lending service. I was told my vehicle was at one location, and that it would be in transit to go to XXXX. My insurance went to XXXX and my vehicle was not there. They were given a new location and my vehicle isnt there. The company is unable to locate where my vehicle is at this time. This has been a month as of tomorrow & my insurance still hasnt been able to do the adjustment for my car. I really feel like theres something illegal going on because no one has any answers for me, theyre just giving me the rub around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX  XXXX has been placed on my credit report. This is not my account, Im a Victim of Identify Theft and I have contacted all three credit bureau and experian and XXXX still is reporting this items on credit report.n accordance with the fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which artedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-07
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: Personal information incorrect

Complaint:
I have sent them to delete all my old addresses and send them my new address that I have for the past 3 years. Also sent them my correct name.

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 2020-04-20
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/2019 I booked a hotel using a travel site called XXXX at XXXX XXXX XXXX XXXX. I was to pay several installments via their " Pay Delay '' program of {$450.00} to XXXX, who would then forward the total sum to my hotel. On XX/XX/XXXX, I received an e-mail from XXXX stating that due to COVID 19, my reservation had been cancelled and that they would be unable to process any refunds. " You will need to speak to your credit card 's issuing bank for your options. '' I submitted all of this to Citibank 's credit card dispute department. They are now claiming that the investigation has been completed ( after 29 days ) and the dispute was judged IN FAVOR of XXXX. How can these crooks take our money and run? And how can Citibank not see that I am owed the total of {$1800.00}? As soon as you go to XXXX, their website explicitly states that NO REFUNDS can be issued and that we will have to go directly to our banks for assistance. Now, I've contacted Citibank 4 days in a row and I am unable to speak to anyone. The recording tells you that due to high call volume, call back later. This seems to be the easiest case to prove that the merchant did not deliver their promise of a hotel reservation. With the financial burden of the COVID pandemic, we absolutely NEED this money. Looking forward to seeing how the CFPB can help.

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 2021-09-20
Company: Fay Servicing, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan servicer, Fay Servicing , LLC is avoiding me. 
I submitted a Loss Mitigation Option Application on XX/XX/2021. I completed the full application and specifically asked them to notify me if their was any other information needed from me to go over options to save my home from foreclosure. They responded and said they were backed up with applications and that I needed to be patient and that they would contact me as soon as they were able. 
I logged in to my account every week since XX/XX/XXXX, where I submitted the application to check on the status of my application. I have received no word regarding my application from Fay Servicing for Loss Mitigation options. I sent a letter to the complaint department of Fay Servicing on XXXX. 
When I noticed a Notice of Trustee 's Sale posted on my house today from the XXXX XXXX XXXX, I called Fay Servicing. The agent told me I was not able to have options from loss mitigation because I failed to submit my tax returns with my application ( this was not asked for on the application ). The agent also said they did not have a profit/loss statement from me with my application which is not true. I submitted a profit/Loss statement with my application on XX/XX/2021. The agent informed me that all I could do was pay the overdue balance on my mortgage to reinstate my mortgage and that Loss Mitigation Options were now off the table because of the Trustee Sale and they didn't have time to process my application because my application was incomplete. 
This is the first time I was told my application was incomplete. Fay Servicing did not call, or write and tell me my application was incomplete. My online account says that I submitted a complete application. Why is Fay Servicing being coy about my mortgage account and getting things worked out so I can keep my house. 
We have listed our house for sale with a real estate agent because we are not getting any information or help from Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Texas National Holding, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) missed a judgement recorded against a property I purchased when they handled the closing process. I later sustained an approximate {$20000.00} loss after contacting their agent regarding the matter. I then filed a claim with XXXX as instructed by their agent and XXXX is refusing to pay the claim. See the attached complaint sent to XXXX containing all the details ( dates, amounts and actions taken ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

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 2020-12-05
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:
I have disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/XXXX I sent a letter to TransUnion because I noticed a lot of inquiries was on my credit report. I dont check my credit often. They refused to take them off even after I sent them a letter asking them to do so. I didnt not give anyone/company written or verbal consent to ran my credit for anything. These inquiries are making it hard for me to get approved for loan because my family and I have nowhere to go and need funds to pay for a hotel room. Can you please assist me with this matter please. These are all of the inquiries that I need help removing XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-02-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company SYNCB/XXXX XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

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 2020-07-15
Company: MARINER FINANCE, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX around Mariner Finance, office in XXXX, IN, called my wife at work after multiple attempts to contact me. The lady was rude and told wife that she would call every day because we are 2 months late which we arent. We missed XXXX payment due to my fathers death. XXXX payment is not even 30 day late. 

The lady stated that my wife didnt understand how serious this is. My wife shared that she needed to contact me but the girl kept pressuring her to make a payment. My shared that I handle the financials the lady said I am sorry he does that. My wife explained no that how our marriage works. The lady then stated that the account was open and maybe forged the check. 

Then she continued to lecture my wife and when wife shared she understands the girl then gave the phone to her manager, XXXX XXXX, who then continued to lecture my wife and would not let my wife get a word in. My wife was at work in the middle of project. She ended up hanging up on XXXX and called I went to their office which their is closed. So I called and explained to them that at times they call I am not able to answer and they didnt leave a message. I explained that my father and I had some unexpected expenses that put me behind. I also explained to them that I have been doing business with them for years and always pay my loan off early. I then requested that they dont call my wife at work. The lady refused and talked in circles about how my wife name is the only on the account and that is the only way to contact her. Again my family has been a customer for years at this company. I have made the payment by phone or by going into the office. The tactic they used to get a payment was harassment, unprofessional, and caused us stress during work hours. 

I made XXXX payment over the phone and was asked when can I make XXXX. I shared I could make it next week. I was to auto draft it but I felt pressured to do so in order not to get harassed and 2 calls everyday during are busy workday. 

I understand stress of this time with COVID and the risk/stress loan companies are under but this was over doing it. I have been a loyal customer at this office for years. In addition, this week my wife received a loan offer for {$850.00} ( what! ). 

I am so frustrated about how we were treated.

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