BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
I settled this account under the impression that this would be deleted from my credit report to purchase my home. I was advised that after paying it that i was to get in contact with a higher department within Chase and the deletion would be imitated. The tradline still reflects on my credit report as settled in full and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit score today and I saw a drop of 33 points due to a collecting account been opened on XX/XX/2019 by some DIVERSIFIED CONSULTNTS on behalf of 11 XXXX XXXX XXXX stating I owe them XXXX dollars as a debt.. First of all i dont know who that collector is nor I received any type of correspondence in writing notifying me regarding the debt from the XXXX XXXX XXXX or their collector named Diversified Consultnts. They just tried to ruin my credit score by putting a false debt on my credit report and I want them to remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: U.S. BANCORP
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
XXXX  XXXX XXXX  forced us to make a non-refundable down payment before giving us any details about who the loan was through, what the % rate was, or what the total cost of the loan was. They refused to accept {$1000.00} down so we put done {$3500.00}. Our credit card was charged {$3500.00} that day. While they kept our credit card and drivers licenses they made us sign a statement of understanding stating that we would use their financing and carry the loan for at least 9 payments or they would charge us {$2000.00}. 
XXXX XXXX XXXX ( uncertain if that name is correct ) at XXXX XXXX bombarded us with a bunch of paperwork. He made it clear we were on camera and being recorded. He said it would take 15 minutes but we were there more than an hour and a half. Finally he showed us the contract. He refused to listen to our request to use XXXX XXXX XXXX. He did tell us the % rate at that time. He did not tell us how much our finance charge would be if we followed the payment schedule. He did not say there was an additional {$75.00} prepay charge from XXXX  XXXX. They gave us no choice who to finance through and and we felt forced to sign all they had even if we did not agree with it. We felt this because of the non-refundable {$3500.00} and the confusion of what the {$2000.00} was. 
They said they would use our credit rating but did not check our credit. 
XXXX We went to XXXX XXXX XXXX. They told us XXXX and was notorious for using scare tactics and they didn't think they could force us to pay the {$2000.00}. They didn't understand the {$2000.00} either. They offered us a much better deal and we paid off the XXXX XXXX loan. 
XXXX XXXX XXXX  We got a letter from XXXX XXXX at XXXX demanding {$2000.00}. They said XXXX  XXXX  was going to charge them. No terms were displayed. XXXX ext XXXX. 
XXXX We called XXXX  XXXX and spoke to XXXX. XXXX told us they do not charge back Dealers and he didn't understand the {$2000.00}. XXXX said the Non-refundable {$3500.00} part of the transaction was very questionable and we should report. 
XXXX we got a second letter from Ms. XXXX. The letter said if we refused to pay by XX/XX/XXXX we would be reported to the Credit Collector. At first XXXX said we should be able to choose our own financing. Then she called back and said we had no choice. We told XXXX we were going to complain. XXXX e-mailed us a copy of the charge back statement showing XXXX  XXXX sent to them. 
XXXX XXXX received a check for {$2000.00}. 
XXXX We called at XXXX  XXXX  to contact XXXX. Attempts have been made on our side and there's however, we have not been ever to make further contact with XXXX   XXXX. I think the lady 's name is XXXX with XXXX XXXX in XXXX WI. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 I sent a letter to diversified Consultants for debt validation. 
I received a letter back on XX/XX/2018 stating the mentioned account has been resolved for less than the full balance, upon return of payment, this letter will no longer be validation. 
Please Note : resolving the referencd account with XXXX XXXX for less than the current balance owed will not make you eligible for reactivation of service. Only the payment of the balance in full will be eligible for reactivation service. 

I do not feel like this is a validation of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10
Company: Avid Acceptance, LLC
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
on XX/XX/XXXX my Son died at that time I was unable to work and my wife was temporary laid off from her job. Avid Acceptance is my car loan provider. After I became late with my payment was repeatedly contacted by XXXX XXXX with said company. Not only did she attempt to contact my by phone but also email on a daily basis. She even contacted both people that I gave as references discussing my matters. she has done this twice now contacting a 3rd party about my situation. I set up a payment plan to get back on track and she continue to call and email about 'are you going to make your payment ' 'I am going to escalate your case and you won't like it ' this is after i made arrangements to make 2 payment within 2 days of each other totaling {$1500.00}. She then proceeded to call and email saying I still owe {$200.00} for XXXX and that I need to pay that. I set up another arraignment for a payment were I told her that I will make the {$200.00} payment plus my normal payment which is due on XX/XX/XXXX. on XX/XX/XXXX email communication I told Mrs XXXX that payment will be made on XX/XX/XXXX. 
I can forward all email and phone records and still have voice mail messages. here is part of last email between Mrs XXXX and myself Me : Are you touching base with me why are you calling references that were provided because if I say Im going to pay the bill on the 16th like I did Im going to pay the bill on the 16th the same way I told you I was going to pay the bill last month and it was paid so please if youre going to sit and call references again Im gon na sit and file harassment charges with the attorney general in the state of Colorado Mrs XXXX : If I dont get ahold of you I have to get in contact with a reference. I have been calling and emailing with no response. 
Me : And actually theres no need for you to get a hold of me considering we already had a agreement I am not now its considered carafe minutes ( voice to text was suppose to be HARASSMENT ) if you want to keep doing it go ahead but this will be my last response to you either way. Agreement to pay was made. Now its harassment after the last email she finally stopped

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 2017-12-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am SIMPLY trying to make a XXXX XXXX payment. I 've called XXXX. You go through all this mess that no person has time to listen to but since I owe XXXX XXXX, I put up with this ridiculous voice prompts. And why? Because XXXX XXXX website REFUSES to recognize my online password and they still have not sent me a password reset. ( Even though I CLEARLY KNOW MY PASSWORD, I 'm staring right at it ) But alas, not even their customer services is open!! Today is XXXX XXXX, XXXX. Is today a holiday? Is it Sunday? No, it 's a business day but yet XXXX XXXX  customer service is not available to accomplish making a simple payment. Why is that?? So customers can be LATE and then we owe a late fee too? What happens to the XXXX person that can not go to a XXXX XXXX store and make a payment?? I am curious as to how many customers XXXX is doing this XXXX to?? XXXX I WILL CLOSE MY ACCOUNT as soon as I contact you. Please address CFPB.

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 2018-02-02
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for another XXXX XXXX as I already have an account. 
I was told this inquiry would be removed and still hasn't since It was fraud of someone trying to open an account in my name. 
XXXX  and equaifix were also gon na remove it but still have yet to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
A credit card was open under my name that I never opened in XX/XX/2013. I've tried countless times to contest this account. The account currently showing closed with the payment status of being charged off. I've submitted notarized police reports for the fraudulent charges on my credit accounts. It is currently on my XXXX  & XXXX report. It was on my XXXX report but was removed once I disputed it. I would like to have it removed as soon as possible from the other reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: GA
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:
They said they contacted the mortgage company and gave them only the relevant information my complaint. and the company said they would update as necessary. I have not seen anything in writing with my name on it between myself and this company. no inquirers nothing. all I asked them to do is show me something in writing.

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 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
There are two concerns here. 

The first is due to all the selling and changing of accounts XXXX XXXX XXXX Changing of websites and things ending up in XXXX back in XXXX. The way i had my loan all set up for leaving town for an extended amount of time. 


I was unaware of the change at the time and i was in an extended forbearance. You can see my credit report supports this. I was without phone service most of the time and i surprisingly found out i was over two months late on a loan i was under the impression was in a forbearance. As you can see in the photos due to me registering to get electronic statements and applying for another forbearance ( which XXXX was very helpful with ) they said they could backdate my forbearance from XXXX to XX/XX/XXXX and would remove the late pays on my credit report. almost 6 years later i come to find out the 60 day late is still there and i was misled and i feel they should be deleted even if as a goodwill gesture. 
As you can see ive done what i can to keep this loan in good standing and I would hope that what i was told can be honored and the 60 day late pay can be removed from all 3 CRA. 


The other ISSUE is a bit tricky and complicated but at the heart of it  beginning XXXX i started getting into the IBR program i had issues getting all the paperwork accepted and each time it would take and extra 30 to 60 days, Part of IBR is to get 3 years no interest tacked on. 
Ive had issues re certifying because of the time it takes and see it isnt as simple as 3 consecutive years with no interest. However since XXXX i have had 36 qualifying payments and i think they should be honored. The average monthly interest is {$50.00}. 
even if you calculate that from month one of XXXX taking over this loan XX/XX/XXXX that is roughly {$3600.00}. The balance started at {$14000.00} and is now today {$17000.00} a difference of {$3700.00} so ive been charged OVER the full amount of interest. with 3 years 36 months of qualifying ibr payments i feel the promised 3 years no interest should be honored which would be equal to {$1800.00}.

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 2020-04-30
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that XXXX, XXXX, and Experian have on file for particular accounts. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. 

I submitted a 30 demand to comply letter stating the 30 day time period for investigation has elapsed. XXXX, XXXX, and Experian are in Default and the items requested must be removed immediately.

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 2018-10-02
Company: TRANSWORLD SYSTEMS INC
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm a couple months into trying to finalize buying my first home. The mortgage company wants to know about the charge off student loan for {$11000.00}. So we do a XXXX XXXX conference call on XX/XX/XXXX with XXXX, they state they have the loan in there office but now we are sending it to XXXX XXXX XXXX  for XXXX. They give me the info and I call the firm the following week and they don't have anything still to date XX/XX/XXXX. We do another conference call on XX/XX/XXXX with Trans word Systems and they state the account balance is XXXX and it had been turned over to XXXX  XXXX for {$20000.00} in XX/XX/XXXX. I demanded full loan Documentation and I got a credit application with my signature on it. I asked for other documents and got nothing. I know this loan has been transferred numerous times to various companies. I had been getting threatening phone calls and harassment months before I filed a Ch XXXX in XX/XX/XXXX when it showed up on my report as a charge off. I'm under the assumption that this debt has already been claimed on someone's taxes as it showed up as charge off on my credit report. Possibly Double dipping?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Hard inquiries are correctly reported and are accurate but I was told they all should be removed. Those nine inquiries should have been wiped from the report months ago like I was told they were going to be. They have approval to be removed. They remain on there despite being assured by an agent that they will be taken care of. They should be whiped ASAP as it is holding up my other credit endeavors and is preventing access to future credit opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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:
continue dispute all credit agencies violated section 605A/605B fcra id fraud ... remove all outdated and fraud accounts " XXXX XXXX XXXX AND XXXX XXXX ... REMOVE FROM ALL 3 CREDIT REPORTS ... .OTHER CASE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: AES/PHEAA
State: TX
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:
My student loans were consolidated in XX/XX/XXXX so that I would be on an Income Based Repayment Plan and have my loans forgiven after 120 payments. I began making payments to XXXX from XX/XX/XXXX to XX/XX/XXXX. My credit report does not show any payments from XX/XX/XXXX through XX/XX/XXXX. That is 34 payments that are missing from my grand total to receive debt forgiveness after 120 payments. That is also {$9200.00} not credited to my account plus any interest I may have accrued. I have my bank statements showing that I made all of these payments. 

Also, when I call FedLoan servicing they are saying that I was on the wrong Repayment plan to receive loan forgiveness in XXXX and XXXX. FedLoan is the company that serviced my loan in XXXX and helped me consolidate them so when they sent my loan to XXXX they should have told them I was on an IBR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated from the XXXX XXXX in XXXX and am not currently enrolled in any higher education institution. I spoke to XXXX at the US Department of Education Federal Student Aid Information Center at approx. XXXX on XX/XX/XXXX. During that call, he told me that any payment made during repayment status with FedLoan could count towards PSLF, regardless of my NSLDS enrollment status. On XX/XX/XXXX, XXXX from Fedloan Servicing sent me an email appearing to contradict this by stating that any payment made during an in-school status would not count towards PSLF. Additionally, XXXX also stated that he did not believe form SDWFR-XBCR would not solve my issues. As a result of these two different answers, I do not understand whether my prior and future repayments can count under PSLF. If my status is still in-school, and my payments do not count towards PSLF, I don't also understand how I can even be in repayment status ( instead of in-school deferment ). I also feel powerless to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2020-04-30
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke to a collector at Conserve around early to mid 2018 about 2 collections they put on my credit report. I told the collector that the amount reported to did not seem like it was the right amount, and he told me to take it up with the original creditor and not him. No one wanted to discuss the validity of the final amount with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1500.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT ACCOUNT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10
Company: Riverwalk Financial Corporation
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: Account status incorrect

Complaint:
A few months ago, I recieved an email saying that a collections account had been removed from my credit. It was from XXXX XXXX XXXX and just recently I get another email saying I have a new collection from XXXX XXXX XXXX. Now, my credit score has dropped significantly because they added the collection onto my account after they had been removed over two months ago.

Company response to consumer: Closed with explanation