BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
State: FL
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:
Date : XX/XX/XXXX To Whom It May Concern, XXXX, Experian and XXXX  are reporting inaccurate information on my credit file. They have failed to investigate and verify that these items are reporting correctly. Their action has hurt my ability to obtain new credit and this is very troublesome to me. I have been disputing with them since XX/XX/XXXX last year and they still have not corrected the errors and this is a direct violation of my rights under the FCRA! I have documented each letter that I sent to them and their responses that I can use in my defense. I am asking that the said accounts below be removed from my file immediately! 
Accounts Account Name : XXXX XXXX Reporting on XXXX  and Experian 1. Open date of XX/XX/XXXX is incorrect. 
2. Past Due Amount of {$720.00} is incorrect Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Reporting on XXXX, Experian, and XXXX 1. Two different account names : XXXX  and XXXX  2. Account Status : 2 states Closed and 1 state open 3. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 4. Balance of {$100.00} incorrect Account Name : XXXX XXXX XXXX Reporting on XXXX, Experian, and XXXX  1. Account Status : 2 states Closed and 1 state open 2. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX XXXX. Balance of {$1200.00} incorrect

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 2020-06-24
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX i ordered a case with 4 XXXX wipes for {$10.00} i never received the wipes i spoke to someone from paypal also in XXXX and ask was that a legit company she told me yes if not i can get my money back. I have sereral copies of that audio i got a tracking number from paypal on XX/XX/XXXX XXXX which didn't add up so i called XXXX  and my call got intercept by a lady saying she couldn't hear me i told her she was doing that she hung up i called back the lady heard me loud and clear ask for the tracking number my name and address said it was delivered on XX/XX/XXXX to someone name XXXX and a different address my name is not XXXX and its not they fault i have copies of that audio to i made a claim with paypal and was lock out my account so they could delete my information they even said i ordered shoes which is another lie but i beat them to it i already made copies on my credit card and receipt paypal denied my claim i reported it to my credit card company put fraud alert and now they gona investigatied and i will never order from paypal again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am suffering with a bad credit score because of incorrect reporting of late payments. I have been deferring my loans and on time every year since I have graduated. I was finally able to get my degree and have been searching for employment but I have found out that some places that I am applying for will not hire me because of my bad credit score. I have not debt except student loans and this information is inaccurate. By law, the bureaus are only to report accurate and factual information. I need this investigated and corrected.

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 2019-01-31
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This debt is not something that I even owe in the first place. XXXX University states I didn't drop a class in time which I did. I never attended one class and I dropped the class before the first day which is well within the time in order to avoid being charged. In addition, I have requested documentation of proof that I owe this debt numerous times from both the school and now this collection agencies and have received nothing. In fact, a representative from Williams and Fudge showed up at my work saying they were suing me and that they had documentation for me. They were rude and persistent, trying to have my HR department contact me ( they contacted me after the man left the office to let me know ). Finally the representative agreed to leave his contact number for me to reach him. When I called the number he again said he was trying to serve me papers and asked why I hadn't been answering my door at my home. I told him no one had come to my home while I was there. I then asked what this was about and he explained it was for my debt with XXXX and that I needed to pay it immediately to avoid litigation. I explained to the man that I did not agree that I owed this debt and I wanted copies of documentation to prove I owed this money. I also told him I had not received any correspondence in the mail or phone calls from his company so I was taken aback by this aggressive approach. He told me I sounded like I knew what I was talking about. I told him what I did for a living and he quickly got off the phone. I never received the documentation I requested and I never heard back from the company either via mail or phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent an affidavit to Afni outlining their multiple violations of 15 USC 1692, with an invoice for compensation of damages. Their previous response to the CFPB complaint did not address the request for monetary relief. I have attached the notarized affidavit, the pieces of evidence, and the invoice to this complaint. These documents were delivered XX/XX/2020, via Certified Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Loan officer XXXX XXXX of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Nevada XXXX ) and acting as Mortage Broker for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ) performing Escrow loans on my property without my knowledge or consent with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ) using myas well as my wife 's identity/property fraudulently in XX/XX/XXXX & XX/XX/XXXX. 

XXXX XXXX and his wife XXXX XXXX XXXX obtained 2 wire transfers into a fraudulent WAMU account using my wife 's identity to withdraw the funds in XX/XX/XXXX ( Wire transfer for {$27000.00} ) & XX/XX/XXXX ( Wire Transfer for {$34000.00} ) using a fraudulent account set up in XXXX, Nevada. From this account, The XXXX 's paid our Mortgage & Utilities to qualify for other loans & multi state modifications on our property. A line of credit was also obtained using my wife 's identity by XXXX XXXX XXXX for {$430000.00} with Chase bank.I also received IRS bill ( s ) for the sale of my home but was able to prove that I still resided at my residence prior to obtaining proof of fraud. 

The wire transfer receipt shows funds from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Ca XXXX ) and XXXX XXXX XXXX. The Notary was XXXX XXXX who's name was associated with 4 Fraudulent Deeds including 1 from Nevada. In statements obtained by  XXXX Police Department Det. XXXX XXXX ( Case # XXXX ), XXXX XXXX did not turn in her Notary book to the State of California nor could she identitfy me or my wife in a photo line up! She also stated that these documents were forged and her Notary stamp as well as book were taken by XXXX XXXX who was her co-worker prior to moving to XXXX XXXX, Nevada to open XXXX XXXX XXXX.It is illegal for a California Notary to perform acts on Nevada tansactions/documents! We did not receive any proceeds from these fraudulent transactions and contacted the Nevada Division of Insurance ( Case # XXXX XXXX ) to look further into this matter to discover WAMU had closed the above listed branch. As of today 's date XX/XX/XXXX, no litigation has commenced in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I pursued a XXXX  degree in XXXX  and graduated on XX/XX/XXXX with my XXXX Degree in XXXX. By XX/XX/XXXX, I had a stable XXXX  job and had been faithfully paying Navient at least $ XXXX   monthly payment. In XX/XX/XXXX, I started out with a total loan amount of {$21000.00}. For the next 2 years, my loan amount hovered at $ XXXX-XXXX despite my monthly payments. By the time I was finally approved for a refinace with XXXX  in XX/XX/XXXX, my total loan amount was still {$21000.00}. I found this so hard to believe that 2 years of monthly payments hardly lowered my loan! I've included an XXXX   spreadsheet that I downloaded from their website after digging hard to find how they allocated my payment to interests vs principal. In XX/XX/XXXX, they sent me a student loan interest tax form that said I paid {$13000.00} interest, which they must mean for the life of the loan and not just XX/XX/XXXX. I am not able to deduct any of this for filing my XX/XX/XXXX taxes because my AGI is now above 80,000 as a XXXX XXXX XXXX. I worked really hard as a night shift XXXX XXXX and pursuing my XXXX  for an XXXX  career while making these payments to Navient. Navient has done a great disservice to me and countless other students ( from reading other complaints and reports ) by misallocating my payments and keeping me at high interest rates so that my >2 years worth of monthly payments doesn't amount to anything. I am just happy that I finally was able to transfer my student loan to XXXX. I've attached my XX/XX/XXXX Navient tax form and the XXXX  spreadsheet from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My capital one credit card was recently subject to multiple cash withdrawals, without my authorization. Each instance of theft also incurred a {$10.00} cash advance fee. I received a refund for all charges, except for over {$300.00} in advance fees. I recently received a letter stating case closed and have called on multiple occasions stating they will get to it. It has been over a week now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the following fraudulent inquiries about a month ago, however, the credit agencies updated my report as verified. In accordance with the FCRA, a company must provide physical documentation in order for the up date to be valid. And I never once received any type of physical documentation, therefore the inquires in dispute should be permanently removed and them inquires are, XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased two auto loans that are being financed with Ally Financial. XX/XX/2013 and the other loan in XX/XX/2013. I am still paying on both these loans to date. I found out there is a settlement with them about charging higher interest rates for XXXX XXXX  and I wasn't notified. Why? I put down {$10000.00} on both these loans and my credit score was XXXX at the time of purchase. I definitely feel I am being discriminated against.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquires on my XXXX report, Many I don.t know about the inquires. 

XXXX XXXX 4 times on report from XX/XX/XXXX to XX/XX/XXXX, XXXX 2 times, XXXX   unknown XXXX  unknown XX/XX/XXXX don't know if somebody is trying to use info

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 2017-12-07
Company: RFNA, LP
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account reporting on my credit files ( XXXX, XXXX and XXXX ) named XXXX XXXX. The account is listed below : 1. XXXX XXXX ( Account Number : XXXX ) I am disputing this collections due to the fact that XXXX XXXX does not currently have a valid license in Tennessee to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion XXXX XXXX has failed to assure me XXXX percent possible maximum accuracy when it comes to my consumer report. They are still violating my rights after the third attempt trying to fix this issue. They are still hosting two tradelines on my consumer report that I have filled an FTC complaint about and a police report and they still have not removed the account from my consumer report. I even have someone on the phone stating that they only can remove an account if the furnisher tells them to. Which I stated that's not how the law works. It is the duty of the furnisher to report accurate information but it is also the consumer reporting agency 's job to assure you 100 percent possible maximum accuracy when it comes to the things on your consumer report. I will attach the FTC report the dispute letter and the police report that I sent to them and a screenshot that these accounts are still on my consumer report. Transunion is willfully being non-compliant pursuant to Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) for not blocking information [ 15 U.S.C. 1681c-2 ] ( 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 non-monetary relief
Consumer complaint received 2018-06-06
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/XXXX I called in to clarify about my account and I was hung up on multiple times. XXXX, XXXX, XXXX, are a few names that I came across. When asking to speak with a supervisor I was knowingly transferred to a voicemail multiple times. XXXX screamed on the phone. XXXX was rude and not very helpful. The tones in their voices were very disrespectful across the board. This was my first and last experience with this company. 

XX/XX/XXXX I attempted to call in 3 times regarding my account. The first two times I was hung up on and thr 3rd time I was placed on hold until the business closed for the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am currently being harassed daily by my mortgage company, Freedom Mortgage. I received calls every day asking me to confirm my email address, i have completed this more than 50 times and they are still calling me everyday. I have opted out of their phone calls and are told by the representative not to worry that this issue has been fixed but they kept calling early every morning. These calls are waking me up and providing a high amount of stress.

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 2020-11-13
Company: Kriya Capital, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I see a credence rm derogatory mark on my credit report. I do not have this debt and have never been approached about owning this money. I have all my bills and credit lines paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
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: Information belongs to someone else

Complaint:
There is a XXXX account reporting on my XXXX and Equifax consumer reports that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX, XXXX, and Equifax and they have failed to remove it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I never really use my credit, I purchased a car and had no issues getting a loan for the car. So I didn't think there was any issues. My friend told me I should check on my credit, because dealerships, will ruin your credit. I reviewed my credit and found the following accounts. 

There is a XXXX XXXX XXXX XXXX XXXX account for {$360.00}. That account is not for me, I have never applied for that account ( Fraud ). 

XXXX XXXX XXXX, for {$120.00}, This is not my account. I have never applied for this account. ( Fraud ). 

XXXX account for {$960.00} This is not my account, I never opened this account. ( Fraud ). 

I attached my identity theft report and ask that these account, be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I redeemed XXXX  points for a credit statement of {$240.00} plus a 75 % bonus for a total of {$420.00}. Only {$240.00} was credited to my account because the credit was issued to my credit card instead of my checking account. I called in 3 times and was told 2 times that the issue was going to be corrected and my checking account account would be credited the {$420.00}. In fact on XX/XX/XXXX I called in at XXXX XXXX  and spoke with a representative who spoke with their supervisor and got approval to have my account be credited. They asked for my checking account info including account number and routing number and said I would be credited within 2 business days. After waiting a week and not being credit, I called in again and was told that they would pull the recorded phone line and would be contacted on XX/XX/XXXX. I have yet to be contacted.

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 2018-06-12
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Been paying on this mortgage for 14 years, XXXX  a month and after 14 years only XXXX  comes off the principal, this is absorbant interest charges, this company should be investigated.

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 2018-02-08
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Attempted to establish service with XXXX. Was then told I had a prior balance. I paid balance. I get a notification from my credit monitor that ERC has a collection account for XXXX. ERC never sent any communication about collecting debt or taking action. I never paid ERC, I paid XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

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