BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-14
Company: JPMORGAN CHASE & CO.
State: CO
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'm being contacted by Chase Auto Finance to pay an additional {$240.00} for a lease on a car. The final payment was due on XX/XX/18. I was going to be traveling and the beginning of XXXX. I wanted to get the car to a safer spot and purchase a new car before traveling. I talked to the dealership. They said I could drop off the car there but make sure I made my last payment. I made my last payment on approximately XX/XX/XXXX. That was the final of 36 payments for the three year lease. All my payments were made on time. Once I made that final payment, my lease account disappeared from my accounts on chase.com. In addition to that, Chase didn't cancel my automatic payment and charged me for an additional month. I had to reach out to my bank with which I have my checking account, XXXX XXXX, to get refunded for that money because Chase refused to help me with it. Essentially, it feels like I'm being punished for making all my payments and dropping off the car at the dealership instead of leaving it sitting in front of my house. I felt like I was doing the safe and responsible thing. I shouldn't have to pay money in addition to all of the payments that I was required to make and did make on time every month. 

I do not have any documents because Chase has not presented me with any since my lease was terminated. I've only received phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 been a victim of credit fraud. I have requested under FDRC act to  obtain proof that I gave authorization for credit inquiries. The customer rep did declined to help me. Ive 3 different written letters to all three bureaus re : 16 inquires on my reports and nothing have been done. Ive called. Nothing. 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 2019-01-14
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted Experian, XXXX  and XXXX  about a collection Debt for XXXX XXXX XXXX XXXX it shows the debt opened XX/XX/2016 with XXXX. The Creditor has referred me back to XXXX for any documentation. The collection does not belong to me. The original creditor has not been able to assist me I have submitted two disputes and the only reply I receive from the credit bureau is that it is validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: FIRST HORIZON BANK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up with First Tennessee in the fall of XX/XX/2017. As part of this, if I met the requirements I would receive a {$300.00} bonus using the promotional code XXXX : open an account with at least {$300.00} and have at least one direct deposit post to your account within 60 days of account opening. I met both but they did not honor it, now saying it was for only those targeted by their mailer which was not the case when I signed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
on XXXX XXXX 2020 i contacted TransUnion and XXXX  to dispute of an account ( XXXX XXXX XXXX   account number starting with XXXX ) which not belongs to me dispute number for trans union is is # XXXX, dispute number for XXXX is XXXX i called TransUnion and XXXX on XXXX/XXXX/2020 to hear an update they told me that company verified this account and disagreed with my dispute, i asked if company provided with proof hat the account belongs to me, transuion and XXXX  told me their is no proof,

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 2019-01-14
Company: Texas Guaranteed
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My part-time employer, with whom I do NOT share and office, and for whom I do NOT have a work phone, received a voicemail for ME SPECIFICALLY and PERSONALLY with personal information in the voicemail. I have the transcript of that voicemail. This was on her personal cellphone, not some office number - there is no office number. 

They used my NAME and left DETAILS. That is horrifying. I have a screenshot of the transcribed voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Again trying to get loan modified, have been faxing since XXXX, XXXX XXXX signed loan documents, and signed over POWER OF ATTORNY, get a letter saying CANT VERIFY XXXX XXXX INFORMATION!!!!!!!!!!!!!!!!!!!!!!?!!?!? Not sure why see original loan appilication XXXX AT XXXX NEVER CALLS BACK going to start pulling phone records!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: AES/PHEAA
State: MT
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 in the Public Service Loan Forgiveness Program. My loan payments are calculated at the lowest payment based on my income. I also attend school. I have submitted waivers for each loan sequence where a waiver is possible. My loans should always be in repayment. My student loans are serviced by XXXX XXXX XXXX. Each year this problem occurs and I spend hundreds of hours of my time fixing the problem. 

Recently, XXXX University updated my status with XXXX XXXX XXXX as in-school. Somebody at XXXX  XXXX messed up my deferment dates and wiped out years of qualifying PSLF payments. I have called and called and called and I need your help. XXXX XXXX XXXX will not fix the problem. I need my loans all put back into repayment, the lowest IBR payment reapplied, my qualifying XXXX payments from XX/XX/15 to present reapplied to my account, and a note put on my account telling the people who work at XXXX  XXXX XXXX to leave it all alone going forward. 

I just want to make my IBR payment, I want my qualifying payments put back on my account, and I want XXXX XXXX XXXX to leave my account alone. Their mistakes end me up in this situation every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account with XXXX XXXX have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( XXXX ) and I am receiving my FBI report. 

This creditor in question has neglected my letters and not responded to my calls / emails. 

XXXX XXXX  ( XXXX XXXX XXXX ) on my credit report is fraudulent and not mine, although this account is being paid satisfactory THIS IS NOT MINE and I have let the FTC & CFPB know this. 

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Investigation took more than 30 days

Complaint:
To whom it may concern, this letter shall serve as a formal notice of my intent to file a complaint with the FTC, XXXX  due to your blatant and objectionable disregard of the law. As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated XX/XX/2022, as well as my follow up letter. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).! am maintaining a careful record of my communications with you on this matter, for the purpose of filing a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in WENGER v XXXX XXXX CORP., XXXX XXXX ( C.D, Cal. XXXX ), you may be liable for you willful non-compliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 65 day and again 40 days ago : 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 My last submitted compliant through CFPB was XX/XX/2022 ( XXXX XXXX, XXXX Equifax, XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Have been faxing since XXXX XXXX XXXX on loan, signed POWER OF ATTORNEY AND GRAND DEED TO XXXX XXXX both ON LOAN MODIFICATION APPLICATIONS!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Navient Solutions, LLC.
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended university from XXXX to XXXX, this loan was obtained in between my years of attendance to pay for tuition. I began paying this loan immediately after school as it was a {$10000.00} loan and I wanted to tackle the balance right away and feel accomplished about it. I am not even sure how to express the frustration and disgust of what happened from XXXX to present but the loan was transferred to 4 or 5 different lenders without any notification to me. I would sometimes receive a statement or letter in the mail from the new company and i would try to call the previous company that held the loan and they for the most part could not help me because they had nothing to do with the loan anymore. I got so overwhelmed and frustrated trying to track the loan and understand what or why that was happening. The next thing i noticed was the increase in the balance and the interest changing each time it was passed around. Even though i was making payments my loan all of sudden was increasing in balance. I argued with the lenders and asked for explanations and never received answers. The suggested deferrment and forbearance and suggested it was a good way to stop paying for awhile. i have had multiple deferrments and forbearances and then i noticed after that happened the balance kept increasing. i tried to make payment plans with the lender and then low and behold the loan was moved again. I have never felt so deceived and angry about something that is so personal to me. I worked my XXXX off in school and my parents could not afford the tuition entirely so i required loans. This loan was suggested by the school and it happened so easy i was delighted. And they make you think once you are done school you make low monthly payments and easy peasy it will be gone in no time. That would be manageable but that is not what has happened. i was deceived and the loan was tossed around and my life in the process. I have no issue paying the original balance of the loan which was $ XXXX less any payments i made from XXXX to present. that is what is fair and that is all i would be able to handle. I would not have gone to school if i had to take out a $ XXXX loan because i cant afford that. This is criminal what they have done and i have been beggin for loan forgiveness and help for the actions they have taken. Please contact me as i would really appreciate someone to finally reach out and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Remove the information listed on my FTC 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 2019-01-14
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My refinance took longer than expected. Flagstar charged me 3 times @ {$30.00} for payoff quotes that I did not request. To the extent I did request quotes, I did them by mail to avoid their excessive and unfair fax/electronic fees. My presumption is the request came from the title company, but Flagstar did not reach out to me prior to fulfilling the payoff request to gauge whether there was a rush need that required electronic versus mail. Instead, they fulfilled these electronically and charged me a fee. This is an unfair and deceptive practice when it is cheaper to generate electronic payoffs than it costs to mail. I have no way to prevent it from occurring as I am not the source of the request. Moreover, I wonder if Flagstar provides payoff figures to their internal sales team when their customers refinance with Flagstar rather than a competitor. 

In speaking with Flagstar, they were unconcerned with this practice and told me to take it up with the title company that incurred the costs on my behalf. 

Separately, I tried to reach Flagstar in XXXX to talk about Loss Draft funds related to Irma, but they'd switched insurance vendors. There was no one available to talk to me after repeated attempts. They took my number and never returned my calls.

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 2019-01-14
Company: EQUIFAX, INC.
State: IL
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:
My account with XXXX XXXX was the subject of identity theft and fraud. XXXX XXXX   continues to report invalid and inaccurate information to Equifax. This is despite receipt of my FTC Identity Theft report. I requested protection under 605b, 4-day blocking rule and XXXX XXXX has failed to comply. 

XXXX XXXX  has also repeatedly failed to send account statements as requested many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Credit Plus Inc
State: NC
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, DEPARTMENT OF EDUCATION add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiry on my credit reports per XX/XX/XXXX and XX/XX/XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Synergetic Communication Inc
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from an alleged debt collector ( Synergetic Communication , Inc. ) informing me that I had 30 days to pay a {$430.00} debt from XXXX XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX customer care and collections specialist. I have  no debt with them otherwise I would have NOT been able to have an account with them. This debt is fake and the company is shady at best. I called the number and it was a series of answering machines until I get to the third one where I am supposed to leave a message. Its doesnt say who the message will be for. I dont want this fraudulent debt to affect me or my credit in the future. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: WELLS FARGO & COMPANY
State: FL
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:
In XXXX I had charges on my credit card with Wells Fargo, I did not realize until XXXX, on XXXX I called the company Wells Fargo to report it and ask to stop the payment since this is a fraud. 
in the XXXX statement the charges wells Fargo appear again did nothing for my protection on XXXX they open a case # XXXX I send a letter to the XXXX XXXX XXXX call me to informe they working on that the problem when I report on XXXX The Bank no do Nothing to protect my account now my balance is close to XXXX for all this charges

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 2019-01-14
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
At least 3 times a week, a collector will come to our house and pound on the door in the middle of the day. The only people home at the time are my kids ( all minors ) age XXXX, XXXX and XXXX. The first time my XXXX year old opened the door the man harassed him with personal questions about me, along with information about himself. Keep in mind he is XXXX and had no idea what was going on!!! My kids are not allowed to open the door when we are not home but the man continues to come back and look in the windows when my kids are home alone. He will park his car on the side of our property ( in which he is not allowed ) so he is able to " sneak '' up to our front door. I'm tired of this guy scaring my kids. They are minors and should not have to be harassed like this!!! How can I get him to stop? 
XXXX, Utah

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve 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