BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX XXXX XXXX  OneMain Financial received my letter of debt valadition via mail. I received in return an non-completed copy of a loan agreement. This agreement doesnt have any physical signatures of any party stating that this agreement is valid. 

Contract : an agreement with specific terms between two or more persons or entities in which there is a promise to do something in return for a valuable benefit known as consideration Each page will show either blank or N/A for the section of the loan agreement 15 U.S. Code 1692c - Communication in connection with debt collection Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CITIBANK, N.A.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX I purchased two XXXX Watches from Best Buy for XXXX presents. I ended up not giving the watches as gifts. On XXXX XXXX through the BestBest.com I initiated the return of the two watches. Best Buy provided the shipping labels. I elected to return the watches by dropping off at a local XXXX Store. Under Covid-19 terms I am considered XXXX XXXX. I did not want to visit a Best Buy store and stand in line to make the returns. On XXXX XXXX I visited XXXX Store and dropped off the two watches. The watches had to be returned by XX/XX/XXXX. On XX/XX/XXXX, l spoke to XXXX at Best Buy and was told I would see a credit on the XXXX statement. After the XXXX statement was posted it did not show any credit for the returns. On XX/XX/XXXX I opened a dispute with Best Buy Credit Services. Best Buy Credit Services denied the dispute and said I was responsible for the charges. I then resubmitted on XX/XX/XXXX my dispute by sending by Certified Mail a document containing fourteen pages of proof. I have not received any further communications from Best Buy Credit Services.

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 2017-12-27
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I have three charges on my credit card which at the time ended in XXXX, for {$130.00} each. I did not notice that this charge fraudulently appeared 3 times. I ordered a product in a presale from XXXX XXXX, which ending up stealing the funds from thousands of people. In XX/XX/XXXX they notified everyone that they were not going to be able to ship their product. ( This was the second fraud, after charging my card 3 times instead of 1 time. 

I contacted CHASE Bank and they told me that there was nothing I could do since I could only dispute transactions for the last 3 statements. There was a XXXX page started for all purchasers of XXXX who had their funds stolen to give people information on how to get their funds back due to fraud. EVERY few days since XXXX there are people posting on the site about how their credit card company ( INCLUDING CHASE ) refunded the amounts since they accepted the charges of this fraud. The charges appear on my Card as " XXXX ''. All the posters say that the 3 statement limits did not apply since the delivery date was in the future and the company never delivered or returned anyones funds. THE TIME PERIOD SHOULD RUN FROM THE DATE OF NOTIFICATION WHICH WAS XX/XX/XXXX. I have tried 3 times over the last few months to dispute these charges to no avail, yet I see today, that there is another Chase Cardholder whom successfully disputed their charge along with testimonials from many people receiving their funds from many credit card companies due to the fraud. I feel i should be entitled to a credit of the {$400.00} fraudulently charged to my card. ( 3 charges of {$130.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: LoanCare, LLC
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:
I entered into a Forbearance Plan with LoanCare , LLC, effective XX/XX/XXXX through XX/XX/XXXX. The agreement states, " If your loan was current at the time of entering into this Forbearance Plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current. If, however, your loan was delinquent prior to entering into the Forbearance Plan, we will maintain that delinquency status during the term of the Forbearance Plan. If you are able to bring the loan current during the Forbearance Plan, we will report the account as current. '' When I entered the plan, the account was not delinquent. I made the XX/XX/XXXX payment on XX/XX/XXXX ( which was 29 days late, but not yet 30 days late ). A late charge was assessed to my account on XX/XX/XXXX, as the payment was not received between XX/XX/XXXX and XX/XX/XXXX. Therefore, I entered into the Forbearance Plan with my account in good standing. I continued to make payments while under the Forbearance Plan in both XXXX and XX/XX/XXXX ( on XX/XX/XXXX and XX/XX/XXXX respectively ). I did not make payments in XXXX, XXXX, or XXXX of XXXX ( as allowed under the Forbearance Plan ) and according to the rules of the Forbearance Plan, these missed payments are not to be reported to the credit reporting agencies. I completed the sale of the property for which this mortgage was secured on XX/XX/XXXX. LoanCare , LLC received the total payoff of the loan including the outstanding balance, the missed payments for XXXX of XXXX, and all the late charges due on the account. This payment was made within the Forbearance Plan term, and according to the rules of the Forbearance Plan, bought the account current and requires LoanCare to report the account as current to the credit reporting agencies. 
In fact, LoanCare issued a {$220.00} refund check back to me on XX/XX/XXXX due to overpayment of escrow on this account. However, in violation of the terms of the Forbearance Plan and the federal CARES Act, LoanCare , LLC reported this account as paid, but 90 days late to XXXX. I demand that LoanCare , LLC correct this information immediately, as this account was paid in full during, and according to the terms of the Forbearance Plan. This is a malicious attempt on behalf of this company to harm me personally as a consumer and violates my rights under the Consumer Financial Protection Act. I have attached documentation supporting my account above, to validate the veracity of my claim.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2017-10-29
Company: U.S. BANCORP
State: IN
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:
XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO XXXX AND XXXX AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.

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 2023-06-22
Company: EQUIFAX, INC.
State: HI
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: JPMORGAN CHASE & CO.
State: HI
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 have a credit card with CHASE CARD. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CHASE CARD and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and CHASE CARD with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late 3 times. There was an error on their part. I was never 30 days late 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts and Inquiries that appear on my XXXX  Credit Report are either reported in error or are a mistake in identity. Please mail to me the proper contracts with my signature that authorizes these accounts to be reported on my report. XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX, {$5000.00}, Opened on XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX, {$2700.00}, Opened on XXXX XXXX, XXXX. XXXX XXXX  XXXX XXXX, {$1600.00}, Opened on XX/XX/XXXX. XXXX, {$5200.00}, Opened on XXXX XXXX, XXXX. Please remove the following name from my credit file, it is not my name nor alias - XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. The following inquiries are fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, US DEPARTMENT OF EDU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Navient Solutions, LLC.
State: IL
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 applied for the XXXX XXXX Loan Forgiveness program and I was granted {$10000.00} in forgiveness which cleared all of my remaining debt with Navient. I received several emails congratulating me on paying off my loan and the balance went to {$0.00}. I even talked to a rep who canceled my monthly auto payments and confirmed that I was all set and that I should receive a letter in the mail confirming this. After several months I received nothing but I did get a notification that I was due to resume payments soon. I had no idea what this was referring to so I called Navint and a rep informed me that they misfiled my paperwork. I should have received only {$5000.00} in forgiveness, not {$10000.00}. She informed me that I was in fact due to resume paying off my loan. Sadly, in the months that had passed since I was informed by Navient that I had paid the loan in full, I had transferred any remaining money I had to pay off the loan into my Roth IRA. I thought I was making a wise financial choice only to find out that I once again needed that money so that I could pay off the mistaken amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: SELECT PORTFOLIO SERVICING, 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: Old information reappears or never goes away

Complaint:
I took a mortgage in XXXX of XXXX with XXXX and my then husband, for XXXX, the the best of my recollection. In XXXX, we separated, and he remained in the house covered by the mortgage. In XXXX, I had a XXXX Chapter XXXX which included the mortgage. XXXX stopped reporting it to all three credit bureau. Upon very bad advice from a lawyer, I quit-claimed the deed to him without him refinancing the loan. He then modified the loan with XXXX XXXX XXXX, increasing the term to 432 months from 360 months, and the amount to over XXXX from the original terms. I NEVER signed for this increase. XXXX XXXX XXXX, in XXXX, FL, states that they can modifiy the terms of the loan without my signature, and they have started reporting it on my credit report as of XXXX XXXX. The loan is already delinquent ( as of XXXX XXXX, XXXX, due for XXXX XXXX ). XXXX XXXX told me NOT to complain to the credit bureau, I did and Equifax already removed it but the other two have not. XXXX XXXX continues to report and I have been denied for two car loans because of " Excessive Obligations '' because the payment on this loan is {$3600.00} and I have my mortgage of {$1900.00}. The company stubbornly refuses to remove it from my credit report, and I will not be able to get a car loan or any other for the next XXXX years as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX Bank of America XXXX XXXX XXXX i never received XXXX credit card was applied for using my XXXX XXXX that i did not create. 

XXXX XXXX  ''XXXX  '' XXXX credit card i did not apply for and was un aware of.

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 2022-03-30
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rInights. And XXXX XXXX XXXX XXXX stated a late payment, when it was never later. I was going through a hardship and requested the payment be moved to the end of my loan and it was approved. 

15 U.S.C 1681 section 602 A. states that 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 instruction.

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 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent several letters to the credit agency about this matter. There are two bankruptcies that are reporting on my credit report in error. The credit agency stated the information has been verified. I have reached out to XXXX and XXXX both and the information is an error I will attach a copy of supporting documents to this complaint. The last letter was sent on XX/XX/2021 to have these two errors resolved and removed from my credit report. It is not okay to run the letters through their e-Oscar system and not actually reach out to the appropriate parties to solve the problem. This has been such a devastating problem that has caused me so many problems. I would like this problem to be resolved immediately and be reflected on my credit record that they have for me. Thank you in advance for your time and understanding.

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 2017-10-29
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I took a mortgage in XXXX of XXXX with XXXX and my then husband, for XXXX, the the best of my recollection. In XXXX, we separated, and he remained in the house covered by the mortgage. In XXXX, I had a XXXX Chapter XXXX which included the mortgage. XXXX stopped reporting it to all three credit bureau. Upon very bad advice from a lawyer, I quit-claimed the deed to him without him refinancing the loan. He then modified the loan with XXXX XXXX XXXX, increasing the term to 432 months from 360 months, and the amount to over XXXX from the original terms. I NEVER signed for this increase. XXXX XXXX XXXX, in XXXX, FL, states that they can modifiy the terms of the loan without my signature, and they have started reporting it on my credit report as of XXXX XXXX. The loan is already delinquent ( as of XXXX XXXX, XXXX, due for XXXX XXXX ). XXXX XXXX told me NOT to complain to the credit bureau, I did and Equifax already removed it but the other two have not. XXXX XXXX continues to report and I have been denied for two car loans because of " Excessive Obligations '' because the payment on this loan is {$3600.00} and I have my mortgage of {$1900.00}. The company stubbornly refuses to remove it from my credit report, and I will not be able to get a car loan or any other for the next XXXX years as a result.

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 2022-03-30
Company: Paramount GR Holdings, LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Hi I'm XXXX XXXX. In XX/XX/2021 I was approached by an individual named XXXX XXXX XXXX # XXXX who worked for XXXX XXXX. He claimed that his company can install solar panels on my house with no cost to me. When I ask for the contract he told me not to worry, he would have it sent to me. He said before we proceeded he would need to verify my credit and for that he would have me sign something electronically. At first I was reluctant but he told me, don't worry that's just so he can pull out my credit. After that he stop by my house a couple times but still didn't bring me the contract. One day he told me that I was qualified for the system and the company would come to install the panels, which happened a little after. It was after the installation that they decided to send me the contact on which they COPY and PASTE that one signature on every single pages. I was upset and find out that I now own a {$49000.00} loan from ( GOODLEEP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I was never aware of a loan, it was never presented nor discussed to me. So rightaway I was for the solar panels to be removed and for the contract to be eliminated but they refuse. So now they trying to sue me and garnish my credit even though they're wrong. I also have to mention that I have been harassed by two separate companies for the same loan. One day it's GOODLEAP another LOAN PAL to which I started making payments. They never provided me a receipt with a balance so I stop making payments i think they're scams and doing fraud. They were planning to lock me in paying them for life without any records of the payments. I hope they can be stopped because they are doing FRAUDS.

Company response to consumer: Closed with explanation