BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-17
Company: JH Portfolio Debt Equities, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
In XX/XX/2017 I defaulted on a series of credit card payments due to severe health conditions that resulted in the loss of my job and income. I had to let my credit cards fall into default and subsequently collections. 

Since then my account has appeared to have been repeated sold to several different collection agencies and I have received a variety of different offers to resolve it, but due to the speed by which the companies have changed hands and all the varying amounts by which the account can be " supposedly '' settled I am at a loss for action here. I don't know whether or not my account is legitimately open for resolve or in fact if I am being gamed. As such I am looking for resolution or forgiveness, but before then it was recommended that I put forth this information to the CFPB. So that I could at the very least have some more pushing power with the " current '' collection agency. They've been pretty pushy and in the past my conversations with them have left me at a loss for actions. 

The current holder is XXXX XXXX XXXX? And the creditor XXXX XXXX XXXX. 

Can you please help me here?

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 2021-06-01
Company: Harley Davidson Financial Services Inc
State: VT
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:
Harley Davidson Financial Services reported my account delinquent which they admitted was an error. After many discussions with the account representative XXXX, she worked with her supervisor to issue a correction to credit bureaus. At present one credit bureau is still reflecting two months past due which were corrected with the other bureaus. I had placed calls letting them know this starting back in XX/XX/2021 ; and, most recently in XX/XX/2021asking for a call back. I informed XXXX on a voicemail ( I can no longer reach her ) that I would be filing a complaint with CFPB on XX/XX/21. I tried her again today, XX/XX/2021, but could not successfully reach her.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/XXXX, I purchased a new vehicle through my XXXX company with a lease through XXXX XXXX via XXXX XXXX. After 3 months of owning the vehicle, the vehicle started having electrical problems with the dash and video components going blue or cutting off completely. We had the vehicle serviced and reviewed over a 5 month period continuing to make payments. After a XXXX Corporate Technician was flown in to review the vehicle problems, he was able to duplicate the problem and said the vehicle is not able to be repaired because the vehicle could not withstand a software update. Therefore, XXXX XXXX sends me a letter stating they are reviewing my vehicle for the Lemon Law in the state of Alabama. After receiving the letter and the vehicle is not able to be repaired and could be a hazard based on the electrical issue, I stopped making payments to XXXX XXXX  because the vehicle is unsafe and not operating in a manner I am comfortable to put my family in. Because I stopped making payments, XXXX XXXX  starting calling me and asking for an explanation why I was not making payments. Each week over a 6 week period they would call at least once or twice a week asking for payment and I would tell them the problem and they would tell me okay but someone else is going to call soon to ask again for payment and an explanation. Each time I would give the explanation and have the person calling to review the notes and they would say the same thing. This week Of XX/XX/XXXX, I received a XXXX Update on my credit score stating my score had dropped due to an outstanding payment over 30 days with XXXX XXXX. I feel as if XXXX XXXX and Corporation are being unfair about me making payments on a car that is unsafe to drive and can not be repaired. I feel as if they bullied me into trying to make me make payments on a vehicle they can not repair and could be a hazard to my family driving it. I will upload all files for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Navient Solutions, LLC.
State: MI
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:
Ed dept of Navient continues to report my credit bureaus as me being delinquent being down my credit score when my accounts are in forbearance I havent been able to pay them because of the high rates they been charging me I now owe over a XXXX dollars in student loans with just them. I will never own anything because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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:
Hello, Please I want to be supported as I do not know what to do anymore .... I figured out accounts that are not mine. Is kind of Identity theft or I do not know how to explain them. I do not know these accounts ...., Please help me to figure our why I have them in my profile and if you can check my profile and investigate my situation. I would like them to 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I requested a XXXX  demo of an online app but did NOT authorize opening an account and did NOT authorize any transactions to the account. I received an email today that states I have been bill approximately {$72.00}. I have not been able to contact XXXX. I did file a customer support ticket with XXXX online and have not had a response. 

Because XXXX states it is affiliated with Chase Bank by being a Chase Bank company I called Chase Bank and was told they know nothing about XXXX  and were not able to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Today ( XX/XX/2018 ) I visited my nearest Bank of America branch to settle the fees on my already closed Business credit card account. The banker and I were transferred five different times to a customer service representative who were not able to waive the fees associated to the account, even though the account was closed more than two months ago. Back around XX/XX/XXXX, I confirmed with the customer service to ensure there were no balances remaining after I paid off my account. 

There should be no reason I am getting this billing statements, when I already confirmed with the customer service representative back in XX/XX/XXXX to completely close my account. I should be completely free from any liabilities, yet the customer service representatives have been unhelpful.

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 monetary relief
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: CT
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 have reached out to the bureau to inform them of several inquiries that do not belong to me. I asked for proof of documentation of my request and signature and have not received any response. These are the items listed on my report : XXXX XXXX XXXX  XXXX, XXXX- XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I believe I'm bring improperly charged for interest. For the past 3 years, I've been on automatically debited payments, but have still been reported as delinquent. I was told numerous things, by numerous customer services reps one let it slip that my interest was being calculated incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a card with Citi and got a balance transfer with 0 % interest on some of my credit card debt, in an attempt to pay less interest on my overall debt. Since getting this balance transfer I have been charged interest on this card, despite paying for all of my purchases in full every time I made a purchase with this card and not adding to my balance transfer at all. I have contacted this company several times about the interest but they have refused to either explain it in detail or help me eliminate these mysterious charges. 

The first time I had a problem with interest being wrongfully charged to me was on my XX/XX/2021 statement, which was not the first month that I have had this card and used it for purchases. Every month that I have had this card and made a purchase with it, I have paid the purchase amounts in full, which I explained to them, and in response, they refunded me the interest ( on my second attempt, after being mocked by the first employee ). I thought this was just an error and I wouldn't need to deal with it again, but on my next statement for XX/XX/2021, I was charged interest again, for a higher amount than before. I attempted to contact this company three times about the charges, once via live chat and twice over the phone, and all 3 times I was disconnected prematurely, once I began to ask about the specifics of the interest and why it was being charged to me. 

My last payment that I made to this card was {$350.00}, an amount far above what I spent the previous month ; I made such a large payment on purpose because I didn't want to be charged any interest, yet they still added that to my statement. When I asked them what was wrong with making a large payment over the phone, the line " mysteriously '' went dead, as if they hung up on me to avoid answering the question about why I was being charged interest even though I was not supposed to be.

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 monetary relief
Consumer complaint received 2021-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage servicer for USAA, XXXX, refused 3 payments I made through online bill pay without explanation and then attempted to charge me late fees after they refused payments. They payments were returned to my bank account without explanation, despite multiple inquires. 

Additionally, I have made partial payments which they have not applied to my loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I have a mortgage on our property and the loan is serviced by Ocwen. We received a notice from Ocwen stating that by law they are required to cancel PMI payments when the amount we owe reaches 79 % of the value of the home. We started paying off our loan on XX/XX/XXXX. We put down an additional {$10000.00} on XX/XX/XXXX and the amount we owed on our home was {$130000.00}, original value of our home was {$170000.00}. We owed 77 % of the original value of our home on XX/XX/XXXX. Since then Ocwen has been charging us PMI payments of {$29.00} every month. Ocwen refuses not to remove PMI from our loan and refuses to return the 19 months of payments we have made which total {$550.00}. We need help getting our money back and also getting Ocwen not to charge us PMI when we don't owe it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Io, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent a letter to Receivable Management Systems requesting validation of a debt on my XXXX XXXX and XXXX Credit file. I received a response of a Billing Statement from 2015. Receivable Management Systems is reporting OUTDATED information on my Credit Report. The Statute of Limitation in the state of Maryland to Report debt is 3 years and they are continuing to report OUTDATED information to the bureaus and continue to violate the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
DEAR XXXX XXXX XXXX & ALL CRA 'S ; I've attempted several times to ratify the issue with the XXXX XXXX XXXX and credit bureaus and they still reporting inaccurate, unverifiable information and misleading. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid - How is that even possible? If you see the attachments you will notice that the account status was never updated, inconsistent with payment history and they've failed to provide detailed information about this account such as transaction history to see the breakdown of the payment and how it was applied. What is the 1st dates of delinquency ; why didn't dates of last active. Well, it's impossible that thi account can be justified as accurate or even verifiable under the consumer laws especially section 609. SORRY FOR SO MANY INACCURACIES, INCONSISTENCIES, MISLEADING AND INCOMPLETE INFORMATION AND DATAA.

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 2021-06-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
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:
During the COVID hardship my family was heavily impacted, and during the XXXX and XX/XX/XXXX timeframe I was unable to work at my job and became behind on mortgage payments. I quickly was able to bring the mortgage current 2 months late but have only just recovered from some of these impacts, and am still recovering. 

During this time my mortgage servicer had an automated COVID CARES act call center option that I selected to enroll in the Forbearance plan with phone confirmation, repeatedly, ( to find out later, apparently to no effect ). Once the loan was paid current I didnt think too much about it until I noticed a negative impact on my credit report. After seeing this I then called our mortgage servicer PennyMac Loan Services LLC on XX/XX/XXXX to re-enroll in the forbearance plan and to request the negative credit impact report be removed in accordance with the CARES act law. 

On this occasion, XXXX, a senior loan servicer, took the request to remove the negative credit impact report from my credit and created a ticket with the credit department according to what I was told. I called again on XX/XX/XXXX and got in contact with XXXX where I was told I was in fact not enrolled in the forbearance plan, and that the credit report retraction was denied. I was then craftily steered away from trying to re-enroll in the forbearance plan. They stated that because I was and am able to make my payments, that I would not be allowed on a forbearance plan. I was denied until I became forceful on the call demanding that I be enrolled in the forbearance plan and read the letter of the law. I recorded this call. 

I explained that my family and I had been impacted by the COVID hardship last year during the fall, and that I had tried to enroll in the forbearance plan repeatedly. I explained that I can make my payments but simply want to remove the negative credit event from my credit report. This was repeatedly refused, even after explaining that the hardship impact had begun last fall, and was related, and to be legally compliant with the law, that they needed to remove this negative event. They refused. My family needs to move, and I need to get a new mortgage in another state. With a negative credit report, this will be far more difficult. Please help! 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: MA
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:
DEAR XXXX XXXX XXXX XXXX XXXX CRA 'S ; I've attempted several times to ratify the issue with the XXXX XXXX XXXX and credit bureaus and they still reporting inaccurate, unverifiable information and misleading. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid - How is that even possible? If you see the attachments you will notice that the account status was never updated, inconsistent with payment history and they've failed to provide detailed information about this account such as transaction history to see the breakdown of the payment and how it was applied. What is the 1st dates of delinquency ; why didn't dates of last active. Well, it's impossible that thi account can be justified as accurate or even verifiable under the consumer laws especially section 609. SORRY FOR SO MANY INACCURACIES, INCONSISTENCIES, MISLEADING AND INCOMPLETE INFORMATION AND DATAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AMEX, XXXX XXXX, XXXX XXXX XXXX, all sent demand letters for charges I did not make. After my inquiry, each did send me statements identifying charges I never made or had any knowledge about these fraudulent charges. 

XXXX XXXX XXXX  XXXX did NOT notify me of all charges. They did give me any information on my account, but directed me to contact a debt collector XXXX attorney ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there were a couple of collection debts reported by a Company called  XXXX XXXX XXXX XXXX the amount of both accounts is {$0.00}. However, the company is reporting that the account was paid in full for less than the full balance. I sent Portfolio Recovery a validation of debt certified letter on XX/XX/18. While I did receive response letters within the required 30 days, I didnt receive evidence bearing my signature, showing that I ever had a contractual obligation to them or the original creditors. At this time, I am seeking assistance in having Portfolio Recovery remove both debts from all three credit bureaus since they were not able to provide acceptable proof of validation of this debt bearing my signature, and not just a printout of an alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17
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: Information belongs to someone else

Complaint:
I did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: NJ
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 A VICTIM OF IDENTITY. AND I WOULD LIKE FOR EXPERIAN TO ADDRESS THIS COMPLAINT

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