BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: ACIMA CREDIT, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We have two leasing contracts with XXXX leasing company. We have been trying to payoff this loan for two months now. Without any luck. They are rejecting our payment method. They only use automated or online ways to add a payment method and the system is rejecting our submission. There is not an option to payoff on our online account it only gives the payoff amount but it does not allow us to select to payoff the high interest loan. The customer service was of no help and when I asked to speak with a second supervisor he said he was the top supervisor and there was no one else that could help me. I feel like they are trapping me in this high interest lease to continue to extort payments at a high rate instead of allowing me to payoff the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 18681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681 4. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. {$21000.00} written off. {$19000.00} past due as of XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX I had registered the my vehicle to Alabama at which I no longer lived at the address thats reporting with XXXX XXXXXXXX XXXX XXXX For The XXXX  XXXX XXXX XXXX my drivers license and registration attached to that vehicle at that time is XXXX XXXX XXXX XXXX XXXX, Alabama.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
NATLCRSYS ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Credit company did not respond in a timely manner set written information they have no less than 14 days to respond

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 2023-01-04
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:
IDK whats going on with my credit report. I have over XXXX negative impacts that I did not do at all. I was a victim of identity theft and I have been reporting this for a good minute now. I have locked my credit profile so this cant happen any more once all of these negative impacts are removed so please I am begging help me. I cant even buy a house now because of the XXXX. Thank you and have a blessed and wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I was told by XXXX that my payments for student loans would be waived but they have not done so. It is destroying my credit. They have stated I owe XXXX. I do not have that by any means and I have placed it in forbearance numerous times. I was even incarcerated and they continued to call my wife over and over again. With the way the economy is setup I am asking that this please somehow be removed. Its hard enough out here as it is and this company uses improper tactics and Im trying to make a living the best way I can. Any help would be great. Please look into them for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously sent a dispute letter to each of the Credit Reporting Agencies on XXXX XXXX, XXXX, with complete attachments of my personal information and the IDTHEFT REPORT I received from the FTC. I discovered that some of the information on my credit report was incorrect when I reviewed it. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Reporting agencies are obligated to finish your investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Synovus Bank
State: NY
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:
I applied for a secure credit card with a {$200.00} balance. My account was closed with a full balance and there was never a refund issued. I called and spoke with a customer service representative and was told a refund should have been issued because 10 weeks have passed since the account was closed. I was then told to send a fax with my name and account number for a refund. I sent the fax and also mailed a letter with my information to obtain a refund. It has been more than 4 weeks since and I have not received the {$200.00} refund. I called customer service, and the representative could not provide any updates or information regarding the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-09-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, XXXX I was wired XXXX from my Chase account to XXXX XXXX XXXX for a new investment account. Our email correspondence was hacked. I sent my money to XXXX to a XXXX XXXX account in XXXX XXXX. It ended up being wired to a XXXX XXXX Bank in XXXX. On XXXX XXXX, I learned that XXXX never got the money. I learned that XXXX had never sent me that email a hacker had interrupted the email stream. XXXX XXXX called XXXX XXXX because they hold NO accounts at XXXX XXXX. XXXX XXXX confirmed there is no XXXX XXXX XXXX account nor do any of the officers of XXXX XXXX. The wire went to an individual not associated with XXXX. XXXX said that is a violation of anti money laundering laws put in place after XXXX. XXXX XXXX should have kicked the money back from the wire. XXXX XXXX has refused to return the money. I called Chase, FTC, credit companies, XXXX, OCC, and the Texas Banking Commission to help get my money back. Chase initially closed the investigation but recently re-opened a global investigation due to a local branch manager. However, Chase will not give me a case number or a number to call to follow up. I have a police case open as well but again have not heard back. XXXX XXXX XXXX is willing to share its findings with any investigator. XXXX also had the FBI look at the hack from their end. I would like XXXX XXXX and Chase to be held responsible for returning my money as they did not do due diligence when the wire was sent. 
Wire To Wire From Wire Amount Wire Date Transaction Number XXXX XXXX XXXX ( ... ) PREMIER PLUS CKG ( ... ) {$50000.00} ( USD ) XXXX/XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am reaching out for what I believe is an invalid debt on my credit report since the court hasn't authorized the debt as valid yet. This eviction was filed last XX/XX/2022 and we're still waiting on the court hearing date. Therefore, it is still an open case. 

Additionally, this was garnered by a habitability issue and I best believe that the case will go in my favor. Please see attached files that support my side. However, I do understand that the case is still open and the outcome has not been determined yet. 

I have reached out multiple times to XXXX, XXXX XXXX Equifax but they wouldn't consider. I have not receive a response from the XXXX XXXX XXXX. How were they able to determine that the " Collection '' should be on my credit report when the Eviction case is still ongoing, we don't have a hearing date yet and no judge has ruled or decided on who should be responsible for the said collection. The apartment has inhabitable for months. I have submitted a counterclaim on XXXX XXXX that they actually owe me since I was not able to stay in the apartment that I was renting out because it was inhabitable due to raw sewage seeping through the ceiling. I had to pay for hotel stays, etc. for me to be able to stay in a safe and comfortable place. 

I just dont believe its fair that it is already reflected in my credit report, affecting my credit score when the case is still open and we dont even have a hearing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, the person Shellpoint employees to manipulate facts and omissions, gave a response in complaint XXXX that is a misrepresentation of the facts and truth. 

1 ) XXXX XXXX emailed me on XX/XX/2021, after XXXX XXXX reached out to him. XXXX XXXX said that my modification approval letter would be sent to me in a few days. However, instead of a modification approval letter, I got an offer to redo my trial plan that I succcessfully completed. 

2 ) XXXX XXXX claimed that his superiors overruled the approval letter and that he could not do anything about his superiors decisions not to offer a final modification. 

3 ) XXXX XXXX claims that though XXXX XXXX is my single point of contact there are other loss mitigation people involved. XXXX XXXX merely stated the obvious, without fulfilling my request. 

4 ) Shellpoint never identified who the superiors where with the authority to override XXXX XXXX. Thus, I do not have a single point of contact. In fact, it is even worse, because an unnamed person with no accountability can harassment limitlessly without consequences. 

5 ) XXXX XXXX contradicts XXXX XXXX by alleging that they are merely offering me the modification trial that XXXX XXXX approved instead of saying that XXXX XXXX 's superiors overruled the final modification approval letter. 

6 ) XXXX XXXX omits that XXXX XXXX contacted Shellpoint on XX/XX/2021 to ascertain why I am being asked by Shellpoint, not XXXX XXXX, to redo my trial modification in XXXX of 2021. I paid the statement and asked Shellpoint in a timely matter to clarify. XXXX sent me XXXX monthly statements stating my trial plan amount was XXXX dollars less than XXXX 's offer trial modification letter. I requested a response from XXXX about the discrepancy. XXXX never responded to me until over 60 days later when they were responding in a letter to CFPB. Then, there response was one of XXXX XXXX 's vile responses that they were informing me in that letter that my modification would not be finalized because I failed to make the required trial plan payments. Yet, XXXX XXXX omitted that I paid the amount expressly stated on my monthly statements for the trial modification and that Shellpoint refused to clarify for over 60 days. I completed my previous trial modification Shellpoint has refused to respond to XXXX XXXX investigators. Yet, Shellpoint if falsely communicating to CFPB that they are following XXXX XXXX 's authority. 

Now, XXXX XXXX wants to talk to Shellpoint about their duplicity. But, Shellpoint is misrepresenting facts with all agencies and will not respond XXXX XXXX about why I am redoing a trial modification that I successfully completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase is not the original lender of mortgage. I am XXXX handicapped and they have tried to take advantage for years I do not know where to begin. First they tried to pull off a short sale, they changed the date the mortgage payment due, put liens on property without serving me court documents. Now they are trying to bill me for past years I did not have house insurance. I was told in real estate class that California law states that if house is more than 2/3 paid off you do not have to have house insurance. 
Chase is going out of there way to add extra costs onto the mortgage every few years and it is because I am XXXX  disadvantaged  and they want to take advantage of me. I feel they will not hear what I try to tell them and come after me underhandedly and wickedly to add extra costs. This violates Americans with Disabilities and is so unjust. It is done because I am a widow, XXXX, poor and without resources to protect myself. It never ends. Has been going on for years. 
I sent a check for XXXX for escrow only. Chase decided not to put it in escrow which understandable they want money, interest, ect. I then ran into extreme financial crisis and asked if they could put it towards next months mortgage or mail back. Instead they try to bill for house insurance years past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The company has not sent me any documentation whatsoever in relation to my dispute! This company is reporting incorrectly across the credit bureaus. High balance is showing incorrectly at {$0.00} and {$20000.00}, date of last activity is showing XX/XX/XXXX, XX/XX/XXXX, date of last payment. Per u.s code section 1681i ( 5 ) ( A ) treatment of inaccurate on unverifiable information. There has been no documentation and this list shows inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
OnXX/XX/2019 at XXXX my credit card was stolen from my car. I called in to file a claim and lock my card. The thief made a change of around {$250.00} on my card at a Walmart. I disputed this claim right away. Capitol one gave me back the money at the time but shortly after, charged me for the thief 's shopping spree. I made a second claim but after days of disputing i was told to take the product back if i wanted my money back. Obviously as i was robbed, i do not have product to give back. I have video footage of my car being broken into on that day and time. The charges were made roughly an hour after my card was stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-26
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:
I have attempted several occasions to have my credit report updated. My idenity was stolen. I have submitted police reports as their is an ongoing investigation. However, even with this information Equifax has refused to delete the accounts. What more can I do if I have the police report? This is a clear violation of the Fair Credit Reporting Act. The following are the accounts that are in dispute. Some of the accounts I was paying in an attempt to keep my credit high. I eventually stopped because it did not help matters. I even asked the business for proof of the transactions so this information can be added to the police investigation. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX : ( XXXX ) XXXX 2. XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX 3.  XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Nelnet, Inc.
State: VA
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:
Account is listed as 120 days past due when it is current under the new service provider XXXX. I have disputed amount and is still reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was affected by Wells Fargos unlawful practices. My data was released by Wells Fargo and for compensation the bank promised for settle claims by the CFPB for banking violations. My data can now be found online because of this and recently I had fraud on my account from somewhere outside of my range and a location that I had never accessed in person before. Therefore, fraud was committed on the behalf of this scandal and caused my debit card to be closed making it difficult for me to live normally.

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