BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a payday loan from XXXX XXXX in XXXX, the account has been turned over to a debt collector, National Credit Adjusters. The balance owed was {$400.00} and I negotiated a 50 % settlement in the amount of {$200.00} which was paid on XX/XX/XXXX and my account was paid in full. Since then, NCA has reported to the Credit Bureaus that I still have a balance of {$200.00} and that it is late as of XXXX XXXX. I contacted NCA and spoke to a representative to resolve the issue and was told that they reported it as a balance. I explained to them that I have documentation showing that my balance is paid in full and that when they made the report to the Credit Bureaus they should've reported it as paid in full. This is unacceptable and its affecting my credit score. I am requesting assistance in rectifying this situation. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I rented a vacation apartment online, and upon seeing that the price was more than double the advertised rate, I first attempted to get a refund for the rental through the landlord, but they refused. I called the bank to see if I could cancel the charge to my debit card. I explained to the agent at my bank about what had happened, and asked what my options were. The agent assured me that we could contest the charge and would win. I mentioned that I was hesitant about it, because I would hate to rent a separate property, only to end up having to pay for both down the road. The agent assured me it would n't come to that, and that I should proceed in renting a new place to stay. Sure enough, after the vacation had come and gone ( and we had rented a separate hotel room ), the bank concluded that I had LOST my contest, and would still have to pay the {$730.00}. I called the bank back to explain the situation. I asked them to pull the audio recordings of the call so they could hear the agent assure me I would get my refund. They said they would re-open an investigation and pull the tapes. One week later I received a letter saying they were upholding their decision, and that I would still have to pay the {$730.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a loyal XXXX Customer for many years. I have several devices. I actually have three phones on my cellular account including an XXXX XXXX. Three XXXX ( mine, my mother 's and granddaughter 's ) a XXXX, XXXX watch and XXXX. I have had a XXXX XXXX for several years with a 1 rating at all credit bureaus. However, I just recently, received a letter from XXXX, XXXX 's go to financing company. They informed me that they are reducing my credit line due to " Derogatory Public Record or Collection Filed or Proportion of Balances To Credit Limits Too High on Revolving Accts ''. I checked the reporting agency, which does not have any XXXX XXXX XXXX on my file. As a matter of fact, no company has at this time. 
Reducing my credit limit only serves to make matters worse. It will only make it appear that I am nearer to the credit line with XXXX. I would have rather the company decide to not extend any more credit than to create this issue. This practice should be examined and stopped. I have never been late on this account. I have actually paid several balances early. 
No loyal XXXX customer should be treated like this ...

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 2018-09-07
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: Information belongs to someone else

Complaint:
XXXX XXXX is reporting on my credit for a debt that is not mine. IT shows its from 2012, which is old and past the statute of limitations also. 
I have never received anything from this company, they just posted to my credit. By laws they are supposed to notify me. This debt is erroneous and not mine! 
I have disputed it with the bureaus and they have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have on multiple occasions called and spoke with the CSRs as Ditech Financial regarding my extra payments to go to principle only. I have included the memo on the checks and have asked them to add it to the account. I sent in 2 checks this month XX/XX/19 for XXXX and on XXXX for XXXX. Instead of applying the extra towards principle as requested they applied it to the escrow account and next months payment instead. I would highly recommend anyone thinking of getting a mortgage from Ditech to think again, they are by far the worst customer service I have ever had to deal with. I continually get letters from them saying they are looking into an issue I messaged them about 2 months ago over the same issue. I will for the 4th time call them and ask them to put the funds in the proper account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
i lost my job in XX/XX/XXXX when i stopped paying XXXX XXXX   before that happened i was always on time with my payments when i lost my job i spoke with XXXX XXXX and they refused to work with me and i told them i have no way to pay them so long story short the original loan was for i believe {$2500.00} and now they are saying because i have defaulted that now i owe them $ XXXX and i just started working and they are saying they have the right to garnish my entire check no court order required, they are no help and do not want to work with me i know i owe them money but they have to understand i did not have a job and if i could pay it off all at once i would have already because they are the worse company to work with ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
During the mid XXXX as a single mother I decided that it would be beneficial for me to earn an XXXX from a B-level University, XXXX XXXX XXXX University, XXXX XXXX XXXX XXXX. 

Living in a Midwestern state, my wages were barely sufficient for living, so loans became the option to pay for my graduate studies. Upon completing my studies, I searched for more than 6 months to find new employment since I had been downsized toward the end of my studies. I did not locate a job in the XXXX, but rather had to relocate to the XXXX region for work ( A XXXX XXXX XXXX ). By this time, by daughter was in college, The XXXX XXXXXXXX XXXX XXXXXXXX Ohio ( an expensive private accredited institution that charged more than some colleges, which has since lost its accreditation ). 

To fund my daughters education, I obtained Parent Plus Loans to cover school tuition, books, etc. In addition, since I had a student in college, I was able to defer my XXXX loans further throughout her college years. ( 4 years deferred, on top of the original 2 years for my personal hardship deferrals ). 

After moving to the XXXX, I became XXXX since the XXXX XXXX XXXX XXXX. During my years of being XXXX, I further needed to defer the loans since the minimum amounts that were required were over {$600.00}. Most recently, the loans to be repaid now are near $ 1500 monthly! I can not defer any longer, and dont know how I will pay without damaging my credit and sinking into a financial abyss. I am over XXXX, have no 401k, and, no significant savings. 

What started as loans totaling less than {$85000.00} in original principal now is quickly becoming {$270000.00} in debt ( and presently ONLY showing {$10000.00} in interest ). 

This is debilitating to say the least. Personal responsibility was getting a better degree, being a great parent, providing a loving home, working, being an XXXX, and taking care of my family. However, this level of student loan debt AND the structure that benefits only the companies threatens my ability to care for myself when I retire and live within my budget. For all of the education that I have, experience, knowledge, and skills that I have I am unable to find significant financial relieve. 

I am willing to help research, draft legislation, canvass for support as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
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: Information belongs to someone else

Complaint:
Due to Identity Theft, those account does not belong to me. Please block and remove the disputed items.

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 2019-04-13
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXXXXXX XXXX HAD THIS LOAN AND IT WAS FIRST DELINQUINT IN 2009. 
IT WAS CHARGED OFF AND SENT TO XXXX AND XXXX XXXX XXXX   AND XXXX HAVE BEEN REPORTING IT FOR 10 YEARS AS DERROGATORY AND LATE PAYMENT NOW IT HAS BEEN TRANSFERRED TO REALTIME AND THEY REFUSE TO OBEY THE CREIT REPORTING LAWS WHICH STATE THE COMPANY TAKING OVER THE SERVICING IS TO CARRY OVER THE FIRST DEINQUENT DATE OF THE ORIGINAL CREDITOR - IN THIS CASE XXXX XXXX XXXX. 2009. 
THERE ARE OTHER ISSUES -- THE AMOUNTS ARE WRONG THE DATES ARE WRONG THE TOTAL IS WRONG I HAVE NOT RECEIVED STATEMENTS YET I SEE THE BALANCE KEEPS GETTING FEES. WITH REGARD TO WHAT THESE CHARGES ARE I HAD A SETTEMENT WITH XXXX AND IT IS NOT BEING HONORED. 
XXXX KEEPS CHANGING THE DATE OF CHARGE OFF TO THERE ADVANTAGE AND SO THEY CAN KEEP IT ON THE REPORT THIS IS FRAUD IMMEIDATELY. I PROBABLY NEED TO BRING THIS TO LEGAL ACTION FOR MANY REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: ONLINE Information Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original creditor, XXXX XXXX of XXXX, removed the account from my credit reports because the account does not belong to me ; I have never resided at the address attached to bill that this company keeps sending as their form of verification ; failing to comply with Federal Law by being unable and/or unwilling to provide a valid instrument of indebtedness, a consumer contract with my signature on it. They also report to the bureaus using an account number that does not match with the one they use on my correspondences ; just one of their many violations. ( See attached photos )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Experian Information Solutions 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:
XXXX XXXX I contacted them they are unable verify the debt. They requested that I notify Experian so the item can be 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 2020-01-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Trying to unfreeze my credit report to apply for loan. Correct information was provided but was unable to get my credit report open unless I apply online or by mail. By mail will take at least 15 days. 

Equifax would not let me take to a person to go over require security questions. The only contact was with automated phone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mercedez-Benz ( MBFS ) claims that I owe them a balance for a terminated lease. In XXXX, I requested an explanation of charges. They claimed they mail such. However, they mailed it to my old address. In XXXX XXXX, this account was placed on my credit report as an adverse account. On XXXX XXXX, XXXX, I contacted MBFS, re-provided them with my new address, asked for the explanation of charges to be faxed, and asked for written confirmation that upon their receipt of payment this account would no longer be reflected as an adverse account on my credit report because I never received the bill I requested from them. They responded irrationally to my request and refused to remove this account from adverse status in light of their acknowledging that they received returned mail from my old address because they never updated my address and their having mailed such bill to an address I have never lived at. Even when they faxed the explanation of charges on XXXX XXXX, XXXX, they still did not update my address despite my having re-provided them my new address when I requested that explanation of charges be faxed. The XXXX XXXX, XXXX fax still reflects the old address. 

I also learned from XXXX that in response to my dispute, MBFS decided to provide updated information. It turns out that they were misreporting information. They initially reported 53 payments. They changed the payments to 34 in response to XXXX investigation. They initially reported a payment on XXXX XXXX, XXXX. They removed that XXXX XXXX, XXXX payment in response to XXXX investigation. That XXXX XXXX, XXXX is days after the leased vehicle had been returned. They also updated the account balance in response to XXXX investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
BANK OF AMERICA HAD THIS LOAN AND IT WAS FIRST DELINQUINT IN 2009. 
IT WAS CHARGED OFF AND SENT TO XXXX AND B OF A AND XXXX HAVE BEEN REPORTING IT FOR 10 YEARS AS DERROGATORY AND LATE PAYMENT NOW IT HAS BEEN TRANSFERRED TO REALTIME AND THEY REFUSE TO OBEY THE CREIT REPORTING LAWS WHICH STATE THE COMPANY TAKING OVER THE SERVICING IS TO CARRY OVER THE FIRST DEINQUENT DATE OF THE ORIGINAL CREDITOR - IN THIS CASE B OF A. 2009. 
THERE ARE OTHER ISSUES -- THE AMOUNTS ARE WRONG THE DATES ARE WRONG THE TOTAL IS WRONG I HAVE NOT RECEIVED STATEMENTS YET I SEE THE BALANCE KEEPS GETTING FEES. WITH REGARD TO WHAT THESE CHARGES ARE I HAD A SETTEMENT WITH XXXX AND IT IS NOT BEING HONORED. 
XXXX KEEPS CHANGING THE DATE OF CHARGE OFF TO THERE ADVANTAGE AND SO THEY CAN KEEP IT ON THE REPORT THIS IS FRAUD IMMEIDATELY. I PROBABLY NEED TO BRING THIS TO LEGAL ACTION FOR MANY REASON

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 2018-03-22
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resently, I received another letter in reference to an apartment complex I lived in. I went to court because the apartment complex never fixed my ac unit that was out for 3 months. I went to court for dispossessory action against me for this apartment complex and I disclosed to the judge about a clause in the lease. However, I lost because I signed a separate paper created by the apartment to give me concession for the time I did not pay for rent. If I didn't sign the document then I would have be awarded claim. Nevertheless, I moved in XX/XX/2013 because I was assaulted in the apartment complex by 7 people. The apartment was aware because the security officer seen it and came to help. Furthermore, management property that was originally over the property stated to me that because of the lynching incident that I have a right to leave. However, I been receiving tactic letter for settlement. Furthermore, I have checked my consumer report and this debt is not on there and I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: PAID IN FULL, INC.
State: AZ
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:
XXXX XXXX XXXX had a hard hit on my credit report when in fact this account is a corporate account. I was simply signing a contract on behalf of my job duty as XXXXXXXX XXXX. I have absolutely no personal obligation for this debt and this attorney never had the right to obtain my ss # for this matter, period, and to run my credit without my permission! This attorney and the collections done on my personal credit report have impacted my ability to obtain new financing. I believe this is their way of trying to get me to pay and a threat that if I dont pay that it will remain on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: JPMORGAN CHASE & CO.
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 opened a Chase Card for my wife. The card account number is XXXX. I have never been late and made every payment on time. I have paid off the balance in full each month. I monitor this card from my account profile at Chase Bank. I have made every payment from this profile and every payment has been early. In the beginning of XX/XX/XXXX Chase restricted my profiles access to the account. This is particularly a problem right now since I am in the process of disputing a charge. I have attached that dispute summary to this file. Since Chase has Denied my access to this account I am required to mail this summary to chase or go into a branch and have the chase branch fax the dispute form in. If my personal profile had access to this account I could simply attach the response to a secure message in Chase.com. This has cost me at least two hours of time so far and is making it difficult for me to exercise my rights. My wife wants me to have access and is irritated with me because I am no longer able to take care of issues on this card without her. The Chase policy is making it more difficult for me to pay my bills and making it more likely I will be late on a payment, or fail to respond to dispute correspondence in a timely manner. Since I have never failed to pay the full statement balance on time and have not been charged any fees this action is clearly a means to make it more difficult for me to pay my bills and more likely to be charged fees. 
It is in the best interest of the monetary system for people to be able to easily pay their bills. Having Banks create arbitrary rules that make it more difficult for consumers to pay their bills and more likely the bank will make fees has a negative impact on our monetary system. Can you please require chase to give authorized spouses access accounts. This is a joint account that I share, have a card issued in my name and have had access until XX/XX/XXXX. The fact that I need to take the time to write this complaint is sad and I hope the person at Chase who made this rule loses their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Phoned XXXX XXXX Bank asking why they did a hard hit on my TransUnion credit file then removed it. They could not give me an answer. I mentioned I recently applied for credit with a soft hit which did not use XXXX XXXX Bank. They use XXXX Bank. No reason why XXXX XXXX Bank created a hard hit then removed it. It will remain on my TransUnion report for two years according to TransUnion.

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 2020-08-26
Company: JPMORGAN CHASE & CO.
State: MA
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 have a loan with JPMCB CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, and JPMCB CARD with no successful resolution. XXXX XXXX XXXX XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XXXX ), also I was never 60 days late ( XXXX ), moreover I was never 90 days late ( XXXX ), lastly I was never 120 days late ( XXXX, XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS DOCUMENTS ON MY OWN BEHALF. I WILL ASLO FAX THEM IN. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THIS. 
Send in information via Equifax Upload to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that Equifax allows to do a soft inquiry on my credit profile. I would like for Equifax to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. I do not wish to place a fraud alert on my account since Ive changed my account pin.

Company response to consumer: Closed with explanation