BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
a couple of weeks ago I received notification of my personal information being available on unsecured internet sites I was recommended to freeze my Experian account which I did subsequently I have applied for credit and an apartment lease I have before applying have unfrozen account and reportedly successfully but when credit providers have attempted to pull credit reports they have been told that they are not avaibable due to federal restrictions today I went to the Experian site and again the site indicates that my info is unlocked/available and yet again multiple credit providers have not been able to access the information. 

I have extremely frustrated by my inability of contacting Experian to resolve an issue that should require little effort furthermore has extreme effects on my life! 

please 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 2020-05-18
Company: EQUIFAX, INC.
State: TX
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:
You may seek damages from violators. ... XXXX, Banks, savings associations, and credit unions with total assets of over {$10.00} XXXX and their affiliates ... FTC Regional Office for region in which the credit operates or Federal Trade Commission : ... 

XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX  of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the XXXX XXXX XXXX XXXX XXXX spurred the FTC to take action which began in XXXX of XXXX. 

The FTC complaint, echoing those from XXXX and the XXXX XXXX XXXX XXXX XXXX, accuses XXXX XXXX XXXX of doctoring up loan applications, reporting false customer income amounts and false advertising. 

The FTC came to us and said were prepared to file this complaint unless you settle with us, XXXX said. In the negotiations that followed, XXXX said, it became apparent to him that the FTCs case was short on facts. Initially, XXXX said, the FTC proposed a settlement that would have had XXXX paying {$1.00} XXXX. That amount being offered now is down to {$500000.00}. 

When XXXX  confronted the FTC, questioning the veracity of information from XXXX, the agency brought up the complaints from the XXXX XXXX XXXX XXXX XXXX. The FTC said nearly 50 percent of the complaints from XXXX car buyers were aimed at XXXX. 

XXXX said his next move was to send his XXXX XXXX XXXX, a XXXX, to explore the XXXX XXXX XXXX XXXX XXXX data. What he found out was that they went around to the XXXX Houses and asked people if they had any complaints. It is true that the majority of complaints were about XXXX, but many of them were about things like I didnt get my payment book, things unrelated to the deal. 

With three dealerships in XXXX XXXX border towns, XXXX said, his company likely sold the most vehicles to XXXX  and its not surprising that his dealerships were mentioned most in complaints. 

From the thousands of cars and trucks that XXXX has sold to people who live on the XXXX XXXX, XXXX said, of the total number of complaints the XXXX XXXX XXXX XXXX XXXX gathered around 30 or 40 are about XXXX. 

They all know XXXX a bad actor, thats been proven, XXXX said. But, I think the FTC wants to go after dealers that benefitted from this. I think theyre suggesting that there are dealers that exploited it, saying dealers should have acted when XXXX  didnt. 

XX/XX/XXXX - The dealer may hold onto the contract, but typically, it's sold to a bank ... settle the FTC 's charges that the company violated the FTC Act. CPS ... Every consumer has the right to be treated fairly when it comes to debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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: Public record information inaccurate

Complaint:
I have disputed this erroneous information from XXXX XXXX and Bk chap XXXX before

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX 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 a 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 2021-02-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
To Whom It May Concern : In XX/XX/XXXX our family planned a vacation to celebrate mine and my husbands XXXX Anniversary. Our vacation plans got thrown off due to COVID-19 complications. My daughter paid for the full total of the reservations, and I planned to reimburse her using PayPal. The amount is {$3300.00}. 
My daughter and I put in all of the transfer information together on XX/XX/XXXX including the email address. At some point on XX/XX/XXXX the email address was changed to an email address neither my daughter nor I recognized. 
29 attempts were made to contact PayPal for remediation, to no avail. 
2 attempts were made via the online dispute system for PayPal with immediate declinations. 
The last reason for the decline Personal payments are not intended for the purchase of goods or services from sellers and therefore can not be disputed. An example of a personal payment would be sending money to a family member or splitting a bill with friends at a restaurant after one person has paid. 
The representatives treated me as if I were senile and not able to understand what was going on, and attempted to confuse me by give me conflicting information me in the same call. I felt bullied and taken advantage of unfairly. 
Their declination reasons were not relevant to the situation that occurred. 
On XX/XX/XXXX I requested for PayPal to provide me with a copy of the policies in place for XXXX  abuse. I requested a regulatory complaint be filed ; I also submitted an executive complaint. In addition, I requested a copy of their CRA file. On XX/XX/XXXX I received another message declining to comply with my requests. I am entitled to this information as per the Dodd Frank Consumer Protection Act of 2010. This company averted compliance to this Act. 
On XX/XX/XXXX I sent letters to five different regulatory agencies regarding this issue. 
I have no compliance from PayPal, just several declination responses. 
I would like an ACH chargeback to be completed for this purchase that was fraudulently intercepted after my instructions were sent to PayPal. 
PayPal has refused to complete this chargeback. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18, XXXX XXXX ACH debited my personal checking account for {$3800.00}. I have never had a XXXX. My wife is the only other signer on my checking account and she has never had a XXXX. And we certainly did not authorize our checking account to be ACH'ed. 

The transaction description on my checking account is as follows : Pending ACH Debit ORIG CO NAME : XXXX XXXX CO ENTRY DESCR : CREDITCARD SEC : WEB XXXX XXXX XXXX XXXX Link to more information in a new browser window. {$3800.00} My bank stated the phone number they showed for the transaction was XXXX. When I call this number, it says 'Settlement Department ' and refers you to leave a voicemail which I did. 

I tried calling all the customer service or complaint numbers that I could find for XXXX XXXX. They all go to the same place. I was told that there is nothing they could do because I don't have an account with them. I tried to get them to refer me to a different number where they could help me, but they said there wasn't one. 

I only want to understand how XXXX XXXX has my checking account info and why they attempted to ACH it. I'm worried my identity has been stolen or bank account info compromised. Or that Barclays simply made an error and someone fat-fingered an account number. I didn't want to file a complaint here, but there doesn't seem to be any way to contact someone in the company that can tell me what happened.

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 2019-08-15
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
on XX/XX/2019 I settled an account in the amount of {$1000.00} with agent XXXX at ext XXXX company phone # XXXX on XX/XX/2019 I called and requested to speak to a supervisor were aggressively and unprofessional on multiple call backs and being hung up on by a representative who refused to give her name on a recorded line, only identified as employee ID XXXX. I was never transferred to the XXXX at ext XXXX who was previously in charge of my account I was never transferred to to manager or supervisor, I ask questions that as a consumer I had the right to ask : Have you received my consumer dispute from XXXX if yes yes what was the date of receipt? Have you sent an XXXX request to the 3 major credit bureaus requesting that this account be deleted from my file, if so when, because I called XXXX XXXX and XXXX and they have not received any request from Southern Management Systems. I preceded to ask employee ID XXXX, if the call was being reported and if she was aware that I had rights to ask the questions I asked under FCRA, she proceed to tell me that I was being condescending and annoying by calling repeatedly and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had requested forbearance in XX/XX/2020 and was approved through XXXX ( Loan servicer ). Per the forbearance, I did not have to pay XX/XX/2020 and XX/XX/2020. However, I continued to make payments through the forbearance. In XX/XX/2020, the loan was paid off as I refinanced with another lender. The payoff added the {$1900.00} that was supposed to be the amount I owed had I not made the payments through forbearance to the payoff quote. They double charged me and after several calls and countless hours of phone conversation, they were not able to help me. 
Please let me know if you need more information and I am glad to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The lawsuit alleges that XXXX systematically misdirected borrowers into student loan repayment programs and types of forbearance, which do not qualify for Public Service Loan Forgiveness, which  enables public servants to have their federal student loans forgiven after meeting certain requirements. 
{$2400.00} {$2000.00} credit collection service XXXX XXXX {$1700.00} Equifax {$700.00} XXXX data breach settlement : all part of that

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 2019-08-15
Company: EQUIFAX, INC.
State: LA
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 have disputed with Equifax regarding a account I had with XXXX in XXXX. The amount on the account was {$370.00} which was charged off. Equifax states that a payment has not been made on the account since XXXX. How would they know if the information that they have only dates back to XXXX. I have disputed 2 or 3 times and each time the information changes but it is still incorrect. They have my first delinquency reported as XX/XX/XXXX, which is incorrect. When you look at the calendar for the payments the charge off started in XXXX of XXXX which is also incorrect. I have not paid on this account since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$430.00}, Portfolio Recovery, I have talked to representatives multiple times about a debt Portfolio Recovery states I owe and told them numerous times that I do not remember ever applying for a XXXX XXXX card and that my ex wife in the past had applied for credit cards in my name and used my ss #. We are now divorced and I recently pulled my credit report to find this negative tradeline on my credit report by surprise. I have asked for proof of this debt a number of times from Portfolio Recovery and have never received any documentation in the mail. This has been going on for months and months now. I have written disputes to Portfolio Recovery and also to XXXX, XXXX, and XXXX to ask for this tradeline to be removed since this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: WINNPOINTE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is a followup to the complaint XXXX ( filed on XX/XX/XXXX ), which includes the following response from the company -> " You are also owed 1 day of interest credit from XXXX ( XXXX ) since it was paid off on XX/XX/XXXX. I anticipate receiving their response by Monday XX/XX/XXXX. '' I have not received the {$11.00} amount yet even after almost 4 months.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-15
Company: AES/PHEAA
State: MI
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 having issues using my XXXX XXXX XXXX XXXX and XXXX XXXX payment of interest during my time of service with my student loan provider ( FedLoan ). I submitted an interest payment request through my.americorps.gov portal on XX/XX/2019 and it still shows " pending institution action, '' institution being FedLoan. I  sent an email to FedLoan last week about this issue and have not hard back. Before my student loan provider was switched to FedLoan, I had no issues with XXXX processing requests very quickly from my.americorps.gov XXXX. I worry about how long this request has taken and how it will impact possible capitalized interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-24
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I woke up this morning and had an alert from XXXX that chase had run my credit and placed an inquiry on my report today XXXX when in fact I never applied for a card. Please look into this and ask chase what the address was that was used. I did not ask chase to run my social. This is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
American Express serve will not let me close my account. I have had so many issues from withdrawing money to my son accession the Sub account i opened for him. They dont ever have a supervisor to speak with. They hang up on me. They blocked me from accessing my account for about XXXX week. And they refuse to let me close the account. Also since my dispute with them I have been receiving random calls from numbers that are disconnected and a lot of Robo calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following account is an result of fraud. JPMCB XXXX {>= $1,000,000} {$7800.00} I have no knowledge of this account. I have tried to fix this with the company in question JPMCB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XXXX of 2019, I went into the Chase XXXX XXXX XXXX XXXX in XXXX Ca. XXXX. 

I was helped by XXXX XXXX ( MNLS ID : XXXX ). My financial goal was to see if Chase had a balance transfer offer better than the one I received from XXXX XXXX. 

I showed her my Freedom card explaining wed like to transfer the balance for a 0 % APR and agreed to the fee of {$99.00}. After speaking with my husband on the phone, we went through the process and I signed the paperwork electronically. 

I was told : Yes, I could transfer the balance from my Freedom card to my new Freedom Unlimited card. 

The fee was {$99.00} And that I had received the best annual APR she had ever seen for my new Chase Freedom Unlimited at 11 %. 

Everything she told me was a lie. I was lied to and electronically signed paper work no one will give me ( neither the Branch or Corporate Office ), stating it doesnt exist. I would think I made a mistake, however, I called my husband from the branch office. I explained the offer, in front of XXXX, and stated all the terms with him before I signed everything. I also, have my letter of denial for the balance transfer. Why would I sign an agreement for a balance transfer if their company policy does not allow one between Chase cards? If it didnt happen and paperwork was never signed why do I have a denial letter from Chase? 

I have patiently gone through Chases process to rectify the situation, even speaking with XXXX and XXXX ( XXXX ) in their corporate office. XXXX led me to believe the actual branch was trying to do something to help my family but when I went in and spoke with the branch manager she said this was the type of thing to be handled at the corporate level. A very frustrating runaround. 

What I have come to understand is the Corporate Office will not help my family because the Branch will not admit making a mistake or " lying '' to fraudulently have me open another card with a higher credit balance and possibly higher APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In previous complaint XXXX. Referring to the company freedom mortgage purposely switching names on the loan without consent of either party. My name was taken off of the loan, for no reason. Someone else was placed on the loan. Which at that time I was not receiving mail, or able to even call to make a payment since my social, or name did not match what was on file. I asked for the payments to be placed on the end of the loan to make it current which did not happen. Now I am unable to make a payment since I am so far behind due to Freedom mortgages mistake. They want all of the payment up front from XX/XX/XXXX when they made the mistake till XX/XX/XXXX. I have tried to make 2 payments and still can not. I would like for the mistake they made to be placed on the end if the loan. I will make XX/XX/XXXX as well as XX/XX/XXXX current from there. I have lost my job due to covid 19 and they are still trying to take my home, just like they were before. AGAIN, I HAVE TRIED TO MAKE PAYMENTS BUT YOU WILL NOT LET ME BECAUSE YOU WANT THE WHOLE THING UP FRONT!

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