BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hi, While trying to retrieve my free annual credit report from the three credit reporting agencies I 've consistently had insurmountable problems with Equifax. Every time I attempt to retrieve my report they state there is some error and refer me to using the regular postal mail. This time it was even more frustrating. I managed to enter Equifax 's dispute page for the first time and as I was correcting obviously inaccurate information as I hit the " submit dispute '' button the system kicked me out and then would not let me re-enter the page. Then once again it referred me to postal mail to correspond. As I had already passed the automated verification I know it was'nt a matter of me submitting incorrect verification information. 

This consistent hinderance to simple access is very annoying and it really feels like there is a flaw in their automated systems. 

Please let me know if there is anything I can do to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Jefferson Capital Systems Llc/Jefferson Capital Llc tradeline appears on my credit file with a balance of {$1400.00}. The company reported a date opened XX/XX/XXXX and a reported delinquency date of XX/XX/XXXX & XX/XX/XXXX ; no closed date. This is a second party account with no adequate proof provided to me showing my obligations to pay the alleged debt. After repeated discussions with representatives the agency was made aware of my vehement disagreement with and the unwillingness to cooperate with a resolution. The account was disputed via the credit reporting agencies on XX/XX/XXXX & XX/XX/XXXX ( re-investigation ). I strongly believe this company violated sections 806 & 807 ( 10 ) of the Fair Debt Collection Practices Act, 15 U.S.C 1692D and 1692E ( 10 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31
Company: North Shore Agency, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After 2 years of terrible service and overbilling by XXXX XXXX we terminated our lease and service with them at a corporate store. This was done on XXXX XXXX 2017. Approximately 2 months later we received a letter from a collection agency demanding payment of {$720.00}. Prior to this we had not received any bills from XXXX since we cancelled our service. When we left the corporate store on XXXX XXXX 2017 we were assured that we had done everything necessary and we owed nothing more. When we called the XXXX customer service number listed on the letter we were treated very nasty and told they could not do anything and that we had to go to the corporate store to fix it. We then we back to the same corporate store on Sat XXXX XXXX 2017. We spoke to the assistanct manager there and showed her the receipts we had from the date we terminated service. She also looked everything up on the computer to confirm. We were offered a copy of the bill ( which we never received ) for service going past our date that we terminated our service. The assistant store manager agreed that we did everything that we were supposed to do and we called customer service while at the store. She verified to customer service that we returned and terminated on XXXX XXXX 2017 and that this was not an error on our part but in fact an error on XXXX part. The answer from customer service was there was nothing they could do even with the assistant store manager offering to give them proof. Customer service would not transfer us to a manager on their side and told us to take it up with the coolection agency. This is fraudulant billing and they are threatening to stain my credit. After searching online they have done these dirty business practices to hundreds of other people.

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 2020-02-11
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
RECENTLY APPLIED FOR A DISCOVER CREDIT CARD & RECENTLY BEEN APPROVED FOR {$7500.00} LIMIT WHICH FOR SOME REASON WITH NO EXPLANATION OR ANYTHING MY ACCOUNT GOT CLOSED, WHICH IS TOTALLY UNFAIR & WANT THE SERVICE BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: SYNCHRONY FINANCIAL
State: UT
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:
Hit with an inquiry from SYNCB National Credit Cards/Airlines,  I do not have any relation to this and just like some others, I was given the run around. Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then XXXX  tells you to contact Synchrony ... .thus an infinite circle. Inquiry from XX/XX/XXXX. SYNCB. National Credit Cards/Airlines. XXXX FL XXXX. Last reported on my XXXX  credit report on XX/XX/XXXX. I Did not make this inquiry and i should not have to go through the hassle of fixing something that I did not ask for or inquiry about. If its a known issue from XXXX XXXX this needs to be resolved on its own.

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 2020-02-11
Company: Google Compare Credit Cards Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Around about XX/XX/XXXX I received snail mail from XXXX in Florida stating it was writing regarding a google wallet balance I had in the amount of XXXX. It said the account had become ready to be escheated to my state treasury if I did not take action. I have a photo of this letter I received however my account number is too blurry to make out. It stated no activity on my account since XX/XX/XXXX. I can not recover my account because I do not know which email google account I had back in XXXX when I had my actual google wallet debit prepaid card!! I have tried to recover this account so that google could deposit my funds into a working active bank account. I have contacted my state treasury in XX/XX/XXXX only to find out I have no funds in my name. My question is to google payment corporation on why cant you all escheat my money to my state??? I think by replying to the snail mail that allowed google/XXXX  to keep ahold of my money and not properly turn it over. I am so frustrated its my XXXX and someone at google has to be able to locate it and tell me how to get my money back instead of telling me to attempt to recover my account. Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I have received two text messages from XXXX. today. One was around XXXX and the other around XXXX XXXX XX/XX/2019. I have asked them to stop and they won ; t.. Unfortunately I do not have a block option on my phone ... They won ; t stop. Can you please help me??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through HIPAA laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I obtained loans through XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Pa XXXX. I began struggling with financial issues and they actually showed up to my residence and left a letter in my mailbox even stating that they stopped by my home which is a complete violation of my privacy. I have both letters showing this. It was signed by Branch Manager XXXX XXXX which was very unprofessional being a branch manager or even if it was just a sales person. I feel this is a form of harassment coming to my home and need to take action for this. I can provide any documentation necessary about this company. I always made my payments on time until I fell on financial distress and now I 'm trying my best to do what I can. Please if you can help in any way with this company. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX in XXXX, WA has a " Collection/Chargeoff '' placed on my TransUnion credit report. This is my elderly Fathers account which I have settled for him. I sent proof to the collection company but they refuse to remove the chargeoff placed on my credit report. I have contacted TransUnions but they will not remove it without XXXX XXXX consent.

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 2022-11-20
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: Information belongs to someone else

Complaint:
see attachments Information is not accurate and fraudulent

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 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX takes my old loan off then a few months later they add it back on saying its past due.

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 2020-02-11
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have problems with lobel financial. because they want to charge me penaltiesor " coverage '' like they called it for insurance coverage. something that I had been paying since I got the vehicle. my insurance policy hasn't change that's why I don't get it because no other bank has I ever had that problem.this same problem I had at the begining and I was asked to send the paper work which I did and didn't espect to go through the same problem every year. I just hope you can help me fix this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, INC.
State: FL
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:
When I received my credit report. I was blown away when I say late payments on these dates : 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I 'm not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thoughts is my monthly statements did not get to me. Please help me understand because I 'm clueless of how this can happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am submitting this new complaint because Shellpoint Mortgage closed my last complaint ( XXXX ) without a resolution. Please confirm if the property tax is escrowed and Shellpoint Mortgage will send the payment ( in the amount of {$3500.00} ) to XXXX XXXX, before the deadline of XX/XX/2021. If it is not paid before the deadline, Shellpoint Mortgage will be responsible for the late fees and related interest charge.

I have called Shellpoint Mortgage many times. Each time, I get a slightly difference response, ranging from " we don't have the tax bill '' to " please pay directly yourself because it is not escrowed. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I had a XXXX credit card account that I disputed with the collection agency who was reporting it. After investigating, the collection agency sent me the results of the investigation and concluded that they were closing my account. The company stated they filed a Universal Data Form electronically requesting that the three major credit reporting agencies delete their trade line for this account on your credit reports. This was in XX/XX/XXXX and the credit bureaus removed the account. But it has appeared back on my credit report in the last year or so. I have disputed this multiple times with the credit bureau and explained that this should not be on my report because I do not have knowledge of the account. I sent certified letters XX/XX/XXXX to Equifax and XXXX and disputed online with XXXX requesting that they delete this inaccurate information. They bureaus refuse to delete the information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My husband and I bought a XXXX XXXX Van brand new from XXXX XXXX off the XXXX XXXX. My husband insisted on buying the van on the same day I was diagnosed with XXXX XXXX after being at my XXXX XXXX office for four hours. 
We traded in my XXXX XXXX XXXX that had XXXX miles. I was not in my right mind making a decision on a new car ; let alone {$600.00} a month note. 
Then a year or so later, we got it refinanced under Chase Bank for the remaining balance which made it {$540.00} a month. Still too high for me. 
I've been struggling trying to pay this van off. It was ( I think originally ) bought at {$37000.00}. I've been out of work off and on. I regretfully been using the money for in-between times until I could go back to work. Now, I'm battling with XXXX  ( XXXX XXXX XXXX XXXXXXXX ) beyond Stage XXXX and on XXXX. I thought I was almost through paying on this car. Now Chase Bank is saying I owe {$10000.00} in fees and late payments. Omg! I just want to be finished paying for a night mare van note that I never really wanted. 
Please help dispute Chase Auto Finance. 8 years is too long to be in debt to a car. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: HW Holding, 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:
We moved into a trailer park and when we got there we needed to work on the trailer due to EXTREME UNLIVABLE conditions. We needed to redo pipes. The toilet, a/c, buy a refrigerator, remove countertops and redo carpet and tile flooring because it was cockroach infested and there was inches of carcasses in the home. We lived there for less than 2 weeks and when we put our 30 days the owner would refuse to help us or respond or call as if he was not a real person, and was afraid to contact us. Also my ex husband was the one who had it under his name. And the trailer manager had asked for my social security info because I lived there, even though I was just living there and was not the one who applied. Also my grandmother lived 2 doors down for a very short period of time due to the same reasons. And the company is charging 3 people who lived there the full rent amount. Also they kept our security deposit of XXXX $ and we paid the first months rent and after a week of living there there were roaches in our food and we killed over 100 a night during dinner time. It was awful and we were forced to flee the place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
-Applying the wrong amounts to principal and interest. My statements show {$230.00} going to interest and only {$34.00} going to principal. 

-Very high interest rates compared to other federal/private lenders. I have asked many time to have this reduced to a lower amount to make paying off loans easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
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: Their investigation did not fix an error on your report

Complaint:
Hello, I have been monitoring my credit report online. I do not authorize the information listed below and request that you investigate the source of these accounts/inquiries and Validate that the creditor had a permissible purpose, and is able to validate all information they are reporting as accurate. I was told that I can not dispute directly with Transunion. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Upon your investigation, under Metro 2 compliance I request the validation documentation  between you and the Original furnisher showing the complete file Information And every piece of information being reported is accurate. If you can not provide the requested information above within 30 days of receiving my letter Or if any information Being reported can not be validated with metro 2 compliant documentation, I Demand that The following Items be DELETED FROM MY CREDIT REPORT IMMEDIATELY : XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX  Inquiry from XX/XX/XXXX Account # XXXX XXXX XXXX Validation of all information reporting from the original creditor And Transunion requested.

Thank you for your prompt assistance in this matter.

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