BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased XXXX  computer in XX/XX/XXXX at XXXX  store ... ... They offered me financing through Barclays credit card with 12 months at 0 % percent financing. I asked them what will happen after 12 months, they told me that they will start charge me an interest at that point.

Not once they told me or explained that they will also add all unpaid interest for the first 12 months back to my account. I only found out about when my credit card was declined as it became over the limit by over {$350.00}.

Barclays Credit added {$550.00} to my account in XX/XX/XXXX.

I called Barclay Credit card tried to explain this situation, but they refused to hear me out and refusing to reverse this charge. This is really misleading and they took advantage of me unfairly

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 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
TransUnion has been reporting lates on my XXXX XXXX in XX/XX/2019 for quite some time now. However all of my XXXX  XXXX accounts were in deferment at this time. Other bureaus have already removed the lates but TransUnion refuses to do so. I have attached proof below that these accounts were in deferment and that the lates should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced a property that is now used as rental investment. I communicated to the loan officer that I did NOT want any information sent to the rental address ( address of the loan property ) and to only send to my primary residence. Chase violated this request by sending documentation a couple times. The first instance was with the approval docs which I responded in writing to the loan officer reaffirming that I do not want any documentation sent to the rental address. Just before closing Chase sent the entire closing package that contained my PII as well as the amounts. Shortly after sending the closing package was sent to the address my tenant notified that they were stopping the lease then moved out at the end of the month. There is no way of knowing if closing information was a contributing factor in their decision to vacate. Also, I have no way of know what happened to the personal information that was sent ( Chase did not require any kind signature on the package that contained personal and sensitive information ). I notified Chase and requested they look into the matter. Their response was 'we apologize ' that this happened but we have determined there is 'no risk to you ' as a result of our disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: NC
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:
Equifax is reporting information on my credit file from a third party vendor and not the original creditor. By law a credit bureau can not report a third party vendor on anyone 's credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: OneMain Finance Corporation
State: GA
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:
Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from OneMain Financial. I have no banking relationship with this company and theyve pulled my credit without my permission on the date of XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Since 2018 with documented certified letters, emails, and voicemails, I have tried to get in contact with Pentagon Federal, and they will not return my calls, emails, or certified letters but keep updated my credit reports inaccurately. I have been trying to pay this debt since 2018 but have no access to their online site, and none will return any of my messages. They should not be updating my credit report if they are just going to keep ignoring the consumer, especially when they are trying to pay the debt.

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 2018-12-20
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have contacted XXXX XXXX numerous times regarding calculation of my qualifying payments toward Public Service Loan Forgiveness ( PSLF ), and receive the same message every time : " We're behind and we're working on it ''. I've been waiting 15 months. Here is my timeline : XX/XX/XXXX - Submitted first employment certification for Public Service Loan forgiveness ( PSLF ) and loans were transferred to XXXX XXXX. I was told payments toward PSLF would be calculated. I've been with the same employer and paying on a IDR plan since XXXX.I was told average calculation time was 90 days. 

XX/XX/XXXX - I had an issue with early termination of my IDR plan and reassessment of payment amount, which ended up in my filing a complaint with the U.S. Dept of Education Student loan ombudsman. During resolution, one of my terms was to ensure payments made during this period  would count toward PSLF. I submitted another employment certification ( same employer ) per their request, and received notification that I had made 4 payments toward PSLF, which I was told were from the period of when the complaint started to resolution ( XXXX ) yet the letter says my qualifying employment was XXXX, which doesn't even equal 4 months. 

Since this time, I've contacted XXXX XXXX 2-3 times  asking about calculation of my other payments ( XXXX ) qualifying for PSLF. I've been told the servicer is " backlogged '' and " calculations are taking a long time '' which they can not provide a frame of reference. I am about to switch jobs, and would like to know how many qualifying payments I've made to consider future plans for my employment. 

Also, I wanted to add that my husband is also currently paying toward PSLF. He has submitted two employment certifications and received qualifying payment counts within ~3 weeks on average. His loans were originally under another servicer, and XXXX XXXX  was able to count all of those payments within a mere weeks, whereas I've been waiting 15 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Rent recovery solutions is charging me XXXX for a monthly rent that was initial XXXX at XXXX at XXXX XXXX!! I tried calling this company to get an explanation of the charges but they either hang up on me or dont answer! I dont believe this is a legitimate company and I need information to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a XXXX patient, and an XXXX XXXX, XXXX, XXXX XXXX Veteran. I am in XXXX treatment. I got behind but was in contact with the company, and have resumed full payments. I have asked for a complete audit of my account and have been waiting for a call for 6 months. They would call up to 11 times a day, and email me 5 or six times a day. Now for some reason I can't get the information I have been requesting. I was told they sent an email XX/XX/2020, at XXXX, XXXX, CST. I have not received that information as of yet. When they were emailing me harassing me and doing the same up to 11 times daily I received all of those emails and calls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just recently had a debt of {$400.00} pleased from capital one I do not owe them any money in this account was obviously open fraudulently. Furthermore I am part of the XXXX breech and it is becoming increasingly obvious that my information is being used by someone else. I am a recipient of XXXX and I have been waiting for my credit score to read 640 so there is no possible way that I would do this to myself I am taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I keep my reports locked. I have no issues unlocking my reports from XXXX  and XXXX. Hop online verify my information and boom done. With Equifax the past four times I've tried to unlock my reports I receive a message to 'give us a call. ' Every time I call them I sit on hold for an hour to verify my identity and they try to sell me their credit monitoring services. I should not have to waste an hour of my day listening to a sales pitch to have them unlock my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: U.S. BANCORP
State: UT
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:
Us Bank is reporting a recent late in XX/XX/XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.

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 2018-06-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX XXXX XXXX, which dropped my credit score significantly. I have received no phone calls or contact via US mail to confirm this collection is mine. Due to this, I did not and have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I discovered a unverified account in the amount of {$2400.00} and a 30 late payment posted on XX/XX/XXXX in my TransUnion credit report. I sent TransUnion a certified letter with return receipt on XX/XX/XXXX asking them to properly verify this unverified account and late payment under the FCRA Federal Law. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account like the XXXX  Breach. I requested them to send me a Promissory Note or contract bearing my signature to these accounts in their files for proper validation under FCRA 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX, TransUnion sent me a generic response with no validation to the unverified account or the late payment but stated they were verified.

On XX/XX/XXXX, I sent TransUnion another certified letter with return receipt requesting their Method of Verification for this unverified account an late payment under FCRA 611 ( a ) ( 6 ) and ( 7 ). Once again, TransUnion sent me the same generic letter with no validation for these 2 accounts but stated they were verified.

I have attached my letters with the return receipts and their response to this matter. It is very clear that TransUnion ignored my dispute and did not take it seriously. Two of my consumer rights have been violated under the FCRA Federal Law!

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 2019-09-11
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: Problem with personal statement of dispute

Complaint:
Hello, my name is XXXX XXXX and I am a victim of I.D . Theft. I submitted a dispute to the major 3 Credit Bureaus ( XXXX, TranUnion and XXXX ) about a fraudulent account appearing on my Credit Report.They did not dispute the account in question, which should have been disputed : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amount : {$330.00} Instead they disputed the 2 valid accounts that belongs to me, which should have never been placed under dispute, the 2 below : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} I have presented to you the same information I presented to them, and as you can clearly see that I didn't file that dispute and the mistake was intentionally made. I ask that the 2 above referenced accounts be placed back on my credit report with all 3 Major Credit Bureaus, I have contacted XXXX with XXXX XXXX XXXX and she said the accts. will be placed back on there, and the fraudulent account opened on XX/XX/2013 will be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: NV
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:
Regarding information about a said XXXX bankruptcy that never happened ) ... ... Please update this file to show that XXXX has removed the data from MY CONSUMER REPORT ... ... See File ... ... XXXXThe Fair Credit Report Act outlines 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies ... ... This is a breach of the Fair Credit Report Act if the Credit Bureaus do not update my file to show a fair and accurate report.

As stated before ( a bankruptcy never happened ) This must be removed immediately as it is an erroneous record ... ... PLEASE REF CASE NUMBER XXXX ON SUBMITTED FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a Chase credit card with a limit of {$1500.00}. I've been making good strides to make big payments and trying to pay off the debt. I have received 12 envelopes in the mail in the last two months containing blank checks to transfer balances to the account I have been paying off. I called the company to ask for these mailings to stop and they said that it would take up to 90 days for the marketing mailings to stop being delivered to my house. I asked for marketing emails to stop and they said it would take up to 10 days for it to stop. For 90 days I have to worry about if someone will steal my mail and use the blank checks for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am writing regarding the harassment & fund embezzlement done by PHH mortgage company XXXX XXXX XXXX. We are the current owners of this property and are having difficult time getting our house repair completed ( water damage ). We closed this house on XX/XX/XXXX. 

XXXX XXXX XXXX has sent the check to the PHH Mortgage of {$14000.00} dated XX/XX/XXXX check # XXXX. PHH Mortgage company have already cashed it out but are not diverting the funds towards right claim ( they are not sending it back to us on XXXX XXXX XXXX ) .Claim # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. 

My realtor contacted and I personally called PHH mortgage company on several occasions.PHH mortgage is giving my realtor, previous owner and us a run around. 

We are harassed mentally physically and monetary wise.Kindly, help us by intervening into plea of our. 

Best Regards : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i have written both XXXX XXXX and XXXX ( XXXX XXXX ) advising them to remove these accounts that I didnt authorize in my name. I was XXXX some time ago and during my XXXX time someone used my name to obtain credit. I explained this to all creditors and they all followed protocol of removing the blemishes all but these two creditors. I am trying to move on with my life and I cant with this hanging over my head.

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 2019-09-11
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello, Navient collections department is disrespectful and obscene. I was contacted about a past due debt on XX/XX/19 and was advised that I was roughly one month past due in the about of {$130.00}. I advised that I would make a payment on Friday, but I would like for my grandmother 's number removed from the account due to her being elderly. I also was trying to explain at one point I was told that she would be removed as a co-signer. The representative did not want to listen to me so I requested to speak to a manager. It took 4 times for me to constantly state that I wanted to speak to be transferred to a Supervisor who was just as rude as the representative. Her ID is XXXX and located in Indiana site. She was trying to over talk me as I was trying to explain to her what I was told perviously about removing the phone number. She also belittled me and told me if I paid my bills on time they wouldn't have to contact her in the first place, isn't this a violation of UDAAP. I am currently recovering from XXXX so most of my funds are going toward my current situation. She also told me that there are guidelines that must be met before I can qualify for co-signed removal after degrading me and questioning me about my payment not being up to date. If I am only 1 month past due on my loan repayment and being treated this way, I can only imagine the obscene behavior they are displaying towards individuals that are more delinquent then me. I advised her that I would make payment on this upcoming Friday then she stopped attempting to belittle me, this is not customer service. I also requested that the pull calls from earlier this year when someone told me that the co-signer number would be removed. She advised that if I did not have an exact date they were not going to look through my account to find out when someone told me this after I requested this be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Credit acceptance took my card back in XXXX Its been over 7 years on my credit it was a volunteer repo and I spoke to then back in XXXX about them removing it off my credit report and credit acceptance refuse to take it off I not made any payments at all when they repo the car they had a person by it in full but they have still tried billing me for over XXXX XXXX  and I will not pay because they car at the time was not wroth it at all btw this loan was for a 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 explanation