BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX  / XXXX / {$97.00} XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2019-09-25
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I emailed regarding a late payment that was made. Requesting a 'goodwill ' adjustment because it was reported to the credit bureau as a late payment and we have been working our butts off to pull our credit out of the gutter and restore it from bad choices made as kids. As seen by my 17 % interest rate we really need this adjustment made. We have made all other payments ON TIME or BEFORE the due date and to be told that this will not be adjusted off is very discouraging. 

My husband pays all of the bills in our household and he was out of work for ONE MONTH with XXXX. I can provide all of the supporting documentation needed for this. I have reached out to the lender letting them know we had a financial hardship and our timely payments prior to this matter should have been more than enough proof of that. In turn I received what seems to be a pre-generated response : We have received your request for a goodwill modification of the account information on your credit file. While we are sensitive to your request, due to our commitment to furnishing accurate information, we are unable to grant your request for a goodwill modification. That being said, if you believe that we have reported inaccurate information concerning your account to any consumer reporting agency, please send us a dispute notification indicating the specific information that you believe is inaccurate along with any relevant information that supports your dispute. The dispute notification should be sent to First Investors Servicing Corporation, Attn : Compliance Department, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX. 

Please assist us in this matter. 

Thank you.

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 2018-01-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX 2015, My now ex wife and I applied for a loan and approved/received a loan for XXXX and as of right now the loan is XXXX. The agreement between my ex wife and myself was to pay the debt collectively but her end of the agreement was not held. I paid as much as I could before I could no longer make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Navient Solutions, LLC.
State: MI
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:
Navient assured me that I was enrolled in the public service loan forgiveness program, which I am apparently not. I have been scammed already by XXXX XXXX and was paying them for 3 years, being led to believe that I was making payments towards this program. While being scammed by XXXX, Navient NEVER informed me that I was not making any payments towards my student loans, let alone the program itself. Once I was informed that XXXX was scamming me, I talked with Navient customer service directly and asked if I was properly enrolled in the PSLFP and they said that I was. Now I am not sure what I am suppose to do? Between these two companies I have lost at least five years of time with the program ... .thats over half my payments that need to be made for this program, not to mention 3 years of nothing at all being paid on my loans, the amount of interest just racking up!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My account was frozen on XXXX XXXX,2017. Paypal Promised to release my funds at 180 days and they have not done so.Please release my {$420.00}, so I can withdraw. My case : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Contacted XXXX on XX/XX/XXXX regarding the inaccurate reporting of inquiries/Fradulent as I am a victim of the XXXX inquiry issue that re-reports old inquiries previously removed. Customer service rep declined to assist in removal of inquiries not submitted by me and disconnected the line without reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Account Paid in full/closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CH. XXXX BANKRUPTSY XXXX FED COURT-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: GreenSky, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I completed a loan with GreenSky to add solar panels to my home. The vendor, Texas XXXX XXXX, told me that the solar panels would cut my electrical cost a the lest in half and in some months I would receive no bill. The owner of the company was my sales person, XXXX XXXX XXXX. I have the emails back and forth showing he was making by payments for the first 3 months due to this problem. The panels are still now working and he will not return my calls, emails, or text. I spoke with him using a different cell phone number and he promised to send someone to fix the problem. Once this did not happen I stopped paying the GreenSky bill due to finically not being able to do so. I reported the problem with the vendor to greensky and have been told this case is closed that they will not look into this any longer. I was told that the vendor assured them all was in working order and I assured them it was not working as I was told they were. The only calls I have received from GreenSky is debt collectors threating me about paying my bills and not attempted to help another possible victim of Texas XXXX XXXX or XXXX XXXX XXXX. The amount of my loan was {$25000.00}. This was based on a payment I would be able to afford and system that could perform.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: ABR Recovery Services LLC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Previous complaint filed - collection agency wording was VERY confusing - no proofreading done at all. Collector stated they can sue - statue of limitations has surpassed the 4yrs for the state of Tx. Also, agency reported they can report for 7yrs from date of charge off - thats incorrect SOL is 7 yrs from last payment or either first day of delinquency. Ive done plenty research on SOL in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint is against a company known as " XXXX XXXX XXXX XXXX XXXX ''. This company is attempting to collect on a debt that has already been paid. When I called to get the information on the account they were extremely rude and misleading. First and foremost, the company did not provide validation of the debt even after I called them on and emailed them on XXXX/XXXX/XXXX. I sent them a receipt for the debt that was paid and when I paid it with XXXX XXXX. Secondly, I called XXXX XXXX XXXX XXXX XXXX XXXX and had them confirm there was absolutely no other debt owed, or sent to collections. XXXX XXXX XXXX XXXX XXXX XXXX mailed me a document with all the account number showing everything has been paid and resolved. I am filing this complain because this needs to be removed from my credit as it is effecting me negatively. Especially in which the way they are reporting the trade line. This medical claim was back from XXXX/XXXX/XXXX, they have it reported as being opened on XXXX. Needless to say, this should be removed as I do not owe anything to this company.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to XXXX XXXX XXXX  The XXXX XXXX XXXX  account still shows on my credit report and 30 days late. It get my credit score XXXX points down. I m middle of another loan it hurt. 
I call XXXX XXXX XXXX to send correct information there didnt do any thing. I dispute credit report agency trans union and XXXX there didnt do any thing. Its more than a month for cash out refinance and XXXX XXXX XXXXe still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency

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 2021-03-09
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
I had a XXXX XXXX XXXX XXXX with GM Financial. In XXXX of XXXX, I sold the vehicle during a trade at a dealership and as such the final payment for the entire balance was paid to GM Financial. Unfortunately, GM Financial reported a late payment to the corresponding credit bureaus which has damaged my credit worthiness with inaccurate information. I spoke with a GM financial customer service representative who indicated that they have no record of a late payment reported to the credit agencies, however this is not the case. I would like to have this adverse information removed from my credit file as it is currently affecting my ability to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, Experian and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove numerous fraudulent/unauthorized inquiries from my credit reports.

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 2018-01-04
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Date opened XX/XX/XXXX Amount : {$6500.00} No action has been taken by company, I was not aware of this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
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:
I need help removing this negative accounts that XXXX  is reporting and hurting my credit score,  they are as follows : XX/XX/XXXX XXXX XXXX amount {$480.00} XX/XX/XXXX XXXX XXXX XXXX  {$840.00} XX/XX/XXXX XXXX XXXX {$29000.00} XX/XX/XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX {$490.00} Please help me in removing and resolving this issue, thank you.

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 2020-11-11
Company: U.S. BANCORP
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Received US Bank reliacard in my name without requesting. Long wait time to deactivate card.

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 2017-07-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX CFPB : At my family 's homestead, XXXX XXXX XXXX, XXXX, IL XXXX, built by my parents, XXXX and XXXX, in XX/XX/XXXX, I have received JPMChase ARM Loan XXXX Payoff Statements, through First Class Postage USPS Delivery. The Payoff Statement received XX/XX/XXXX, was for {$84000.00}. The Payoff Statement received XX/XX/XXXX, was for {$88000.00}. Somehow, in the course of 24 hours, the JPMChase Texas Mortgage Servicing Computers calculated an extra {$4000.00}, that I was expected to pay. XX/XX/XXXX, JPMChase took all my Mortgage Payoff Statements from XXXX Bond, and refuses to return any of them to me. On the back of each such Statement, I printed, in ball-pointpen, the Date and Time that I had received each. I stored said Statements, with other Mortgage Documents,  in sealed, nested, re-sealable thick-walled transparent plastic bags. I demand, that JPMChase immediately send me the Originals of those XXXX Statements. If that is not possible, then I demand that JPMChase send True Copies, to be followed up with the Originals. Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: XOOM CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This is what happened leading to this ordeal. I tried to send money to my mother in-law, XXXX XXXX using Xoom.com in the XXXX for {$1500.00} on Saturday, XX/XX/XXXX. I initially sent {$1000.00} using my XXXX XXXX Checking Account but realizing that my mother in-law needed {$1500.00} I sent another {$500.00} minutes later using the same XXXX XXXX account. The first remittance went well without a glitch. But by the following Monday, XX/XX/XXXX I realized that I have an email from Xoom.com that the {$500.00} remittance was pending approval upon review. I called Xooms customer service and verified all the needed information regarding the last remittance. While during my phone call to Xoom I have found out that my account was temporarily put on hold pending verification, so I was not able to log-in into my Xoom account immediately. After the phone call, I went to check my Xoom account online and was prompted to the quick send page of the account and made the mistake of sending another batch of {$500.00} again to my mother in-law. Realizing this blunder, I called Xooms customer service minutes later to plead to them to cancel the last remittance but to no avail. They have said that they cant cancel the last transaction as it was already being processed. I have spoken to at least 2 more customer service reps to plead my case to no avail. I have told them that there will not have enough money available to cover for the extra {$500.00} I mistakenly sent for. Frustrated by not having the results I wanted I emailed Xoom hoping for a better outcome. But same results, Xoom will not budge. So as a direct result of this, by Tuesday, XX/XX/XXXX, I was charged {$70.00} by XXXX XXXX XXXX for overdraft fees. I called Xoom again yesterday, Wednesday, XX/XX/XXXX regarding my case and have found out that they have tried to cover their tracks by saying that I made my phone call to cancel over the 30-minute window. I made a printout of email correspondence from Xoom as proof of the cancelation request with time and date ( the email from Xoom acknowledging my request to cancel is dated XX/XX/XXXX at  XXXX ). And so, prior to the email cancelation request I have called Xooms customer service and according to Xoom they have records of my phone call so it would show that I was with in the 30-minute window.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On X/X/2017, I received a text message from Chase bank stating that there may be fraudulent charges on my account. I replied by stating that I did not make the charge. The charge was still pending at this time. I called Chase shortly after I replied to the text message. They informed me that the claims department would refund my money and they did a few days later. On XX/XX/2017, they took the money back out of my account. The amount was for {$74.00} to XXXX XXXX, who I had never purchased anything from in my life. I contacted Chase to get my money back. They informed me that I needed to contact XXXX XXXX to get my money back. I contacted XXXX XXXX and they informed me that they do not reimburse fraudulent purchases and that my bank should refund me. XXXX XXXX also informed me that my transaction should have been pending on the account ( which it was ) and the bank should not have authorized the purchase and the item would not be shipped. I contacted Chase Bank and they provided me with an address as to where the product was shipped to but basically made it my responsibility to do the research on something they should have never released my funds on. The item was shipped to another state. I filed a police report with my local police department and Chase told me that I have to send them the copy of the report, instead of them obtaining it. I had to take half of the day off work in order to work on this situation, when this should have never been a situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
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: Their investigation did not fix an error on your report

Complaint:
Several investigations with Equifax were submitted for two 2 separate issues. 

1. Account with XXXX XXXX XXXX mortgage account XXXX is still reporting an incorrect late reporting in XX/XX/XXXX. This account was never late and should reflect to say that. Equifax failed investigation closed XX/XX/XXXX and it shows a code XXXX late in XX/XX/XXXX. XXXX XXXX XXXX shows no late reporting in their system. 

2. Account with XXXX XXXX  ending in XXXX is reporting incorrectly as a charge off with balance. This account was settled and paid and closed as of XX/XX/XXXX as agreed upon settlement letter that was executed. This account should reflect closed and paid for less with XXXX balance

Company response to consumer: Closed with explanation