BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I filed a dispute with Trans Union complaint # XXXX, around XX/XX/XXXX, about reporting a derogatory condition on my XXXX XXXX Mortgage account. This account is not derogatory, I have letters from XXXX XXXX stating that this account is not derogatory and a copy of these letters was sent to all three credit reporting agencies the letter is dated XX/XX/XXXX. On XX/XX/XXXX I called ( XXXX XXXX ) to try to get them to correct their mistake, I get routed to call ( XXXX ) the rep there says there is no derogatory account reporting on my credit report and they route my call back to XXXX who says they can not correct it.

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 2023-04-19
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: PA
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 am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, 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 manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: OH
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:
Equifax has 2 addresses listed on my report I have never lived at I have disputed this information they keep putting it back on Only address that should be listed on my credit file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX called my place of employment a few weeks ago the receptionist has to come tell me I have a call in front of my clients and co workers and the caller states their name and states it is a personal matter. I have a XXXX XXXX and these calls threaten the integrity of my job to receive these calls at work. My vehicle was totaled by a hailstorm in XX/XX/XXXX. In XX/XX/XXXX Capital One was paid the value of my vehicle by my insurance company. Capital One has already hired a third party to collect the balance. The 1st call from XXXX to my job I specifically told the Rep the situation and demanded they not call me at work again. I received a 2nd call a week or so later and the receptionist let me know while I was facilitating group counseling that a Rep with XXXX XXXX XXXX   was calling onpernal matter. She saw the comp name on the caller ID so now my boss knows I am getting numerous calls at my job. We have never been allowed personal phone calls at my job. I work at a XXXX XXXX XXXX XXXX that is very busy. Today I received a 3rd call at my job after numerous request to never be called here again. XXXX called me today and I informed her I was filing a complaint on XXXX XXXX XXXX for violating debt collection laws 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Southern Auto Finance Co
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: Reporting company used your report improperly

Complaint:
Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Stellantis Financial Services US Corp.
State: MD
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:
I am a consumer, a natural person, and a protected person under federal law. 
In accordance with the Fair Credit Reporting Act, First Investors has violated my rights. 
Regarding alleged account # XXXX 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 an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.

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: Westlake Services, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt has been charged off and they call me at least 25 times every week. Ive had 9 call from them in one day while at work. I am responsible for the XXXX  of up to 30 XXXX  and the repeated calls are a distraction to an already XXXX  job. Since XX/XX/XXXX they have called me over 200x

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 2016-08-21
Company: JPMORGAN CHASE & CO.
State: AP
Product: Credit card
Issue: Other

Complaint:
This is a follow up email regarding my original complaint, # XXXX. On XXXX/XXXX/2016, I made an online payment to the wrong credit card company/a closed credit card account in the amount of {$3600.00}. JP Morgan Chase sent a check to the address on file, my former employer, the Federal Bureau of Investigation, which was received on XXXX/XXXX/2016. The check was to be forwarded to the FBI 's XXXX XXXX office in XXXX, XXXX, since I currently reside in XXXX. As of XXXX/XXXX/2016, I have not received the check, and the XXXX XXXX office of the FBI said they would have received it by now. Apparently, the FBI lost my check in their internal mail system. JP Morgan Chase advised they can reissue a check, but it will again be mailed to my previous employer. I have not worked at the FBI for almost 15 months and would like to know what other options there are for resolving this ongoing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My second attempt with CFPB. Been denied the credit if XXXX back to my account. Wells Fargo states I gave out my pin to ppl in Texas, Florida, California. I dont know how I can provide my pin when I absolutely know of anyone in these states. I absolutely do not give my PIN number to anyone but myself. I feel you did not try hard enough to help in retrieving my money back to my personal bank account.

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: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I received numerous late payments on my credit reports as a result of a severe medical situation that caused me to go through a financial hardship. I know that even being hospitalized for extended periods is no excuse to miss payments, but it was a circumstance that I feel is worth mentioning. By no means are you obligated to remove these late payments because I did miss these payments. However, I have been a long time XXXX XXXX customer and still have a XXXX XXXX  card to this day. Due to the circumstances of severe medical issues surrounding my late payments and since I did pay my balance in full with late fees, I would like to ask that these late payments be removed from my credit report as a gesture of good will. They currently affect my scores and my ability to live life and anything I do. I would like nothing more than to be granted this one time good will gesture to have these removed because I have been a loyal customer of the company for so long and made right on the missed payments. Please remove these for me as a one time courtesy, I beg of you. 

I also served several years in the military and fought in XXXX. As a veterans of the United States Military I also ask for this one time favor. Please, if there is any way possible, please remove these missed payments from my credit report. Thank you very much.

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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX,. XXXX XXXX XXXX, XXXX XXXX IS FRADULENT, XXXX/XXXX XXXX XXXX,. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,. XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX XXXX My phone number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This isnt my first complaint/review. After several disputes and attempts to reach XXXX, I got an email from them AFTER ( 4 years of avoiding and not returning my calls ) I started assessing law firms to take my case. I brought this concern up with two of the law firms, and now they wont reply. I can only presume that ethical laws were bootleg and my information and intent was shared with XXXX ... which invoked the email. 

XXXX XXXX XXXX, a corrupt company that XXXX  partners with, has violated my personal rights via the following acts : the Fair Debt Collection Practices Act ; the Fair Credit Reporting Act ; the Civil Rights Act of 1866 ; The Fair Housing Act ; Americans with Disabilities Act ; and the The Equal Credit Opportunity Act.

I have, Under FRCA 611 ( a ) disputed the completeness and accuracy of the information being reported to all credit bureaus. Per the formal investigation process under FRCA 611 ( a ) ( 2 ), the following is suppose to take place by law, yet XXXX  has already responded with XXXX XXXX inaccurate response. The process states that, all relevant information regarding the dispute is to be sent to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your re-investigation within 30 days of the date of this letter. 

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true re-investigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

As you may guess ... NONE of these laws have been adhered to by XXXX, and I will need to take further action towards the bureaus that have not followed the law. 

This is an update on an ongoing process. XXXXXXXX email started that we should talk ... lets find a solution. The solution is to follow the law and due diligence of the process. I am not certain that XXXX knows that XXXX XXXX XXXX filed this inaccurate account, was paid with federal funds by the Department of Veteran Affairs and the Military Family Relief Fund ( MFRF ). Paid the lease out 19 days ( prorated ) in advance, which they did not return the fund or deny them. Only a month later, I got a erroneous bill, after I had already received my checkout list and deposit amount owed. 

I can only presume that XXXX knows and is enabling, reinforcing, and complicit in breaking the law.

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 2023-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I do not have any connection to this company at all. I have never owed this company anything. I have never agreed to or signed anything with this company ever. 
I have not supplied proof under the doctrine of estoppel by silence. XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
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:
As of recently I came to an agreement with the car company I had a loan with which in return my loan was squashed for a fee which ended up closing the account. Ive recently noticed that there are discrepancies from all three bureaus that reported on this account. There are inaccurate dates and balances alongside remarks that can potentially hinder my credit report. I sent letters out on the XXXX of XXXX disputing this account and noticed nothing was processed with all three bureaus. I will like to either have this account removed or to have the remarks updated to reflect positive. Please and thank you!

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 2020-01-29
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Payment was scheduled to hit my bank account on a certain date. I went onto their website and extended the loan which required a payment of {$50.00} which I paid. 

They then claimed I was past due and in default and referred me to the debt collection department who demanded I make payment arrangements which I did. 

I made the first payment. They then charged me a late fee which I paid. 

It has not even been 7 days since the last payment and they are already saying I am past due when my next payment is not even due until XX/XX/2020. 

I have gotten loans from them for years but never again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hereby I ask for a permit to release the blocked payment conducted on XX/XX/2022in the amount of USD XXXX XXXX from account XXXX in XXXX ( XXXX ) to account XXXX in XXXX XXXX XXXX. The intermediary bank informed that the payment can not be processed in accordance with original instructions due to sanctions under the XXXX program under regulations issued by the US office of Foreign Assets Control ( OFAC ). 
The payment was made from XXXX to seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: J. Ritter Law P.C.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This corporation violated my rights when trying to collect a debt that was not mine, let alone threatened me while doing so. Please see attached documents, J Ritter received the original notarized copy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or about XX/XX/2020, I requested that money which been refunded into my CITI credit card account by an airline for refunded airline tickets. be transferred to my XXXX checking account. Between XX/XX/2020 and XX/XX/2020, I contacted CITi regularly through its " Chat '' system. 

During various times, I sought to contact CITI via phone. The wait times were so long that I gave up. Indeed, my wait time on one " chat '' lasted in excess of 35 minutes. all wait times were excused because of the virus. My phone even disconnected twice. The waits were so long my APP on my phone closed.

So I resorted to the " chats ''. All of these chats remain a part of my record. Interestingly enough CITI does not provide anyway to download these records, so if you want them I can send you screenshots that are quite extensive.
During each of these " chats '' I was told that I would have to wait 3-5 or 2-3 business days for the money to be transferred. This continued to be the case long after 3-5 days had passed. During this time I was also told it was " federal banking regulations '' that caused the delay. I asked for the regulations. I was told they didn't have them and to call CITI. 
Then after several tries on XX/XX/2020 the CITI 'chat person ' told me there had been an error and that I needed to fill out another form. I did. 
Then I called on XX/XX/2020 and waited again BUT I finally got a supervisor. He gave me a confirmation number and a time the transfer was initiated and that it would be 3-5 business days before  my bank XXXX XXXX  got the money. I told him I wasn't satisfied. He offered me {$10.00} so I countered with {$100.00}. He couldn't go any higher than {$20.00} so I took it. 
I remain completely dissatisfied. If I was 15 days late on my payment to them of {$13000.00} I would have owed over {$100.00} in interest. In addition, the failure to be able to print/save their web chats, the failure to provide a human being to talk to, the failure to provide an email address for complaints on their web page, their improperly blaming the federal government and other equally serious concerns give rise to this complaint. 
Further, I have sought the assistance of my Senator XXXX and that of Senator XXXX XXXX. If they are treating me this way it is clear they are mistreating an entire swath of the American 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 2018-03-07
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I submitted an application to consolidate 3 parent=plus loans into a single loan. In this application, and the conversations I had with the XXXX  servicing rep, I made clear I was going to apply for the Public Service Loan Forgiveness program. I was reassured the loan qualified. In Fall XX/XX/XXXX, I ( finally ) submitted the PSLF documentation. On XX/XX/XXXX, I received an e-mail stating that I had been approved for PSLF, but that I should NOT make another payment to the current loan as the current repayment plan was not approved for the PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XXXX XXXX I mailed a debt validation letter to GREAT LAKES in regards to a loan listing they alleged I owed. In pursuant to 15 USC 1692g I have the right as a consumer to request validation of any debt someone allege I owe them. I received a response letter from GREAT LAKES dated XXXX XXXX, which did not validate the alleged debt I owe them. In fact the response letter didnt mention anything pertaining to a debt as I requested validation for. 

GREAT LAKES has violated several of my consumer rights, by not providing me with competent evidence that I owe this alleged debt theyre claiming I owe them, as I noted in the attachment labeled EXHIBIT A. 

In addition to the EXHIBIT A sheet Ive attached my Affidavit of Truth and CEASE and DESIST letter, which were mailed to them on XXXX XXXX.

Company response to consumer: Closed with explanation