BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
This complaint outlines multiple concernsirregularities, ethical lapses, and legal shortcomingspertaining to a vehicle sale contract executed with XXXX XXXX XXXX on XX/XX/2023. I was XXXX  due to XXXX  XXXX at the time, a state substantiated by XXXX  records and a XXXX XXXX XXXX XXXX. The dealership further compromised the contract through misrepresentation and a lack of due diligence. 

Background Incapacity to Contract : My XXXX  XXXX episode is supported by XXXX  reports and a XXXX hold. 

Dealer 's Misrepresentation : Despite XXXX miles on the odometer, the vehicle was inaccurately presented as new. 

Lack of Due Diligence : The salesperson facilitated the transaction, ignoring clear indicators of my XXXX  state. 

Details of Complaint Incapacity to Contract Timeline : XXXX  and the XXXX hold occurred in close proximity to the transaction date. 

Medical Evidence : Multiple XXXX  reports and XXXX XXXX  corroborate my XXXX  state. 

Misrepresentation of Vehicle False Information : The car 's XXXX miles contradict its " new '' label. 

Consumer Impact : This misrepresentation materially influenced my decision to contract. 

Lack of Due Diligence Unethical Conduct : The dealership facilitated the transaction despite blatant signs of my XXXX. 

Harmful Consequences : I am now burdened with an unlawful contract, facing considerable financial distress. 


The actions of XXXX XXXX XXXX stand as both ethically and legally dubious. I urge the immediate intervention of the CFPB in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have requested several times to have this account removed from my credit report. The account is paid and should have never been reported. The confirmation number is XXXX for XXXX XXXX XXXX for account ending in XXXX. The account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: NV
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:
This account is reporting inaccurately. This is a violation of the Fair Credit Reporting Act.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: LA
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected rights of privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX 
Account/Reference # XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX All Following Accounts Listed Above 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 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 antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any 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 2021-02-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX - Experian Dispute Results # XXXX ( ( Covid-19 ) On XX/XX/21 I submitted a dispute to Experian via their online portal. I included supporting documentation which proved the account should not have been sent to collections by the original creditor due to COVD-19 On XX/XX/21 Their dispute results came back updated and the collections debt remains on my credit report. 

This debt should never have went to collections. The original creditor/collections agency was notified in writing by certified mail that this debt is invalid. 

Experian did not investigate my dispute properly and only updated information, ignoring my supporting documentation which proved this account should have never been sent to collections. This is also a HIPPA violation as my information should have never been shared with an outside party.

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 2022-01-20
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: Public record information inaccurate

Complaint:
This past week, overnight, my Experian credit score dropped from over XXXX to XXXX. Experian has not provided with me a reason as to why this has happened. In my Experian account, I can see that all of my lines of credit are in good standing, with no outstanding balances, and payments made on time. In my entire life I have had one collection on my name, which was for a small amount and was paid off in 2019. In the last two years I have not opened or closed any line of credit. 

I reached out to Experian using every possible method ( phone, email, dispute form, etc. ). They have been unable to help me. With every attempt at contact I have made, they have responded with automated responses explaining why credit scores may change. They have not once been able to tell me why MY credit store dropped aver XXXX points. The phone number listed on the CFPB site for Experian does not help. You can't speak to a human, nor can you hear any automated menu related to dispute or incorrect credit reporting. 

I have exhausted every option to figure out why my credit score dropped by so much overnight. I have not been able to get in touch with Experian. My assumption is that my Experian credit score dropped in error, since my XXXX credit score is XXXX. 

I really need help resolving this. Please

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 2021-05-21
Company: Nicholas Financial 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: Investigation took more than 30 days

Complaint:
Car was repossessed and sold at auction. The original debt is 6yrs 4 months old and they reached it to 4 yrs .Balance on one credit report shows paid the other is reporting original debt. I have submitted several verification of debt and request for inaccuracies to be corrected or deleted to both creditor and all credit bureaus. Its deleted off one and remains inaccurate on others. Neither the creditor or credit bureaus have taken my phone calls or letters seriously and has caused severe damage to my credit. When I have tried to point out inaccuracies and request my right for accurate data or deletion as my consumer rights provide me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: EQUIFAX, 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 information incorrect

Complaint:
This has been a circus for 3 months now. My equifax credit score was restored to XXXX where it belongs a week ago and you dropped it again for no reason. XXXX is the culprit here but it has already been established. I have never seen so much XXXX and incompetence in my whole life, unless this is just deliberate mean action to keep a consumer like myselfs credit low. On Monday XX/XX/2020 I will be filing a civil lawsuit against XXXX. I will win that lawsuit. If need b I will include all of the credit reporting agaencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Kashia Services
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company has continued to call me repeatedly. They have called as early as XXXX am and will often call several times in a row, send text messages and emails. I usually get at least XXXX attempts of contact from them in a row. This morning 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
i am filing this complaint because experian, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account i disputed. being that they have gone past 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified ' that i have disputed. please resolve this issue immediately

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 2018-04-23
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to the bureaus several times to fix these inaccurate collections on my account that are not mine, and via sect 609 of the FCRA, the bureaus have not proven belong to me. Many of these  collection agencies are also not licensed and bonded to collect in their state, yet they keep reaching out to me for payment and also are affecting my ability to get a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: Mr. Cooper Group Inc.
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I have been trying to get information from my mortgage company since XXXX. They have sent me the note that they have, however it has been altered and additional pages have been added to it. I have asked multiple times why and what those papers were, and they keep sending me letters that say they need more time, it's going to take longer than 30 days to get that information. Now I am receiving calls, multiple, everyday, and when I answer the line starts ringing but nobody answers. Then I receive calls with an auto response that says Mr. Cooper is trying to contact me. I have called them and when I've asked to speak to the loan specialist on my account they never transfer they say they can help me. Then I get put on hold and hung up on. I don't know what to do now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions 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:
I HAVE ACCOUNTS REPORTING ON MY CEDIT REPROT I DID NOT OPEN AND I DO NOT OWN THESE ACCOUNTS I HAVE DISPUTED MULTIPLE TIMES AND NO REPSPONSE WAS GIVEN I NEED THIS ACCOUNT REMOVED.

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 2019-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
To whom it may concern, My friends and I feel it's important to take off derogatory accounts when they're expired, to make credit scores easier to understand and update personal info in a timely manner.It seems when i talk to them they don't want to help me rectify things like what happened in XX/XX/2017 when I tried to reconcile issues with you, unfortunately my instructor who helped me is no longer available to discuss this with you. Also I had a XXXX XXXX account that wasn't removed that should have come off my record and some fraud alerts that was not taken seriously. Thanks.Sincerely yours, 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 2022-01-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX XXXX XXXX with Navient. 

Navient has been charging me monthly for this private loan. It hasn't amortized any of my payments since 2014 and it simply keeps padding its interest. The loan had an original balance of {$14000.00} and now the balance is almost {$20000.00}, even though I have made payments that total over {$4800.00}, which of course is over 75 % of the loan principal. 

Navient is acting in a predatory fashion and engaging in usury. Its website fails to show an amortization table, thus, the borrower can not know about its illegal predatory practices, until he/she realizes that the loan balance never diminishes. 

I would like to Navient to apply at least {$4000.00} of the payments I already made to my principal and issue a new balance with the next payment due in XXXX, without any interest capitalization from now until XXXX, to ensure that all my payments are applied to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice from Indiana XXXX XXXX Treasurer 's office on XX/XX/XXXX dated XX/XX/XXXX stating that my property taxes had not been paid that was due on XX/XX/XXXX, XXXX if payment was not received by XX/XX/XXXX additional fees and an interception of our personal Indiana income tax. 
I reached out to Mr. Cooper Mortgage company the following Monday XX/XX/XXXX and sent them the documents showing it was past due. 
I spoke to resolution specialist XXXX XXXX who assured me it would be paid within XXXX to 3 days. That did not happen. 
I then spoke to resolution XXXX XXXX XXXX on XX/XX/22 who assured me he would get it resolved. I received an email from Mr Cooper on XX/XX/22 that the payment had been sent on XX/XX/22. I then followed up with the XXXX XXXX XXXX to be sure the payment was received. It had not. 
I then spoke to Mr Cooper resolution specialist XXXX XXXX on XX/XX/22 who assured me the payment was going to be send on XX/XX/22 by FedEx overnight and provided me with a tracking number. That tracking number shows that only a label was created and XXXX had not received the package from Mr. Cooper. 
Today is XX/XX/XXXX, the final day XXXX XXXX has given before interception. 
I have emailed all three resolution specialist to respond and none have replied. 
I need help getting Mr Cooper to pay my past due tax bill as the funds are being held in their escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CREDIT CONTROL CORP is reporting on my credit report. IT SHOWS A ZERO BALANCE BUT THE DEBT SHOULD NOT BE REPORTING ON MY " XXXX CREDIT REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
XXXX is incorrectly reporting me as an Authorized User on Chase Card ending in account # XXXX. I called Chase Bank and let them know that I did not give permission to be added as an Authorized User on this account. They removed me as an Authorized User on XXXX and XXXX, however XXXX  has not removed this from my report. I have contacted the bureau to fix this issue. The negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a housing counselor with XXXX. SPS Inc has denied reviewing a clients RMA package stating the signature on the scan was not legible. They then asked for XXXX XXXX to note that a hardship letter was attached. SPS has unfairly delayed fair review of this client.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: EQUIFAX, INC.
State: MA
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:
Closed my account by paying it off in its entirety with XXXX XXXX on XX/XX/2019. Unknown to me they charged my account ONE days interest for XX/XX/XXXX and billed me after my account closed. I then received a collections letter for a late payment - that I never knew existed, and never received a standard bill for. I called XXXX XXXX to dispute the retroactive billing, the lack of transparent charges, and there handling of it. They investigated my complaint and withdraw the {$13.00} charge for one day interest but still reported it as late to the credit bureau. I went to go refinance and low and behold my credit score has dropped because this interest that should not have been charged but if it was should have been billed properly and was being investigated and then retracted has now dropped my score 40 points and messed up my perfect credit. I contact XXXX  and provided them the letter showing them the investigation, dispute with XXXX XXXX, and the results of the retraction, yet XXXX  will not remove it. 
It has cost me financially with my credit score, made it impossible to refinance at a good rate, and my next step is to contact the AG of Mass if this cant be resolved, as well as the press. XXXX XXXX is criminal enterprise and should not be reporting on anyone 's credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my Transunion credit report and credit file I got a mix credit report and file that lead my credit report and me to being a victim to indentity thief r address that dont belong to me on my credit report and I want them remove and a clean up on my credit report I want yall to separate whats mines and the persons that information is mix up in my credit report and file and I got a problem work XXXX to they took my address off my credit report and I need them to update it back on to my XXXX credit report and file and on my Transunion report I need my number update to the current phone number XXXX and I need Transunion to send me my updated XXXX  of XX/XX/XXXX credit report and credit score Thxs and I need XXXX to send me my updated credit report and score from XX/XX/2023.

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