BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-05
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hunter Warfield Inc, was mailed a Certified and signed Cease and Desist Letter, in that envelope was also a notification detailing their Violation of my Fair Debt Collection Practice Act rights and a demand for remove the false information from all my credit reporting files immediately. Hunter Warfield Inc. has ignored my communication for removal of the information. 

Copies of the two separate documents mailed by certified USPS to Hunter Warfield Inc. are attached. Also attached is the USPS Certified stub and copy of the delivery confirmation of that envelop to Hunter Warfield Inc. 

I formally request this case be forwarded to the Federal Trade Commission for a violation of ( 809. Validation of Debts ). As stated in the copy of the letter attached that was mailed by certified USPS to Hunter Warfield Inc.

Hunter Warfield Inc. made no attempt to notify me ( 30-day notification ) of the attempt to collect this alleged debt, it was simply placed on the credit reports in clear violation of my FDCPA rights to dispute and demand verification ( see attached copy of the letter attached that was mailed by certified USPS to Hunter Warfield Inc., titled Violation of Fair Debt Collection Practice Act.

There has been no attempt to correct the FDCPA Violation since receipt of notification of those violations, per the certified letters mailed and received by Hunter Warfield Inc. The Emotional Distress of Hunter Warfield Inc actions are unmeasurable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi, I am currently trying to become eligible for the public service loan forgiveness program. As you are aware, in order to qualify, you must make 120 timely payments on the loans to be eligible for forgiveness. Over the past 8-9 years, I have been making timely monthly loan payments under the IBR program . I make a single lump-sum payment, and the servicer applies the payment to the nine different loans that constitute my universe of law school student loans.

For eight of my nine loans, I am right on track for forgiveness -- - I only have a year and a half to two years left of payments to make left. For one of the loans, the servicer said something like five full years of payments were untimely. The servicer agrees that I made them, but has deemed them untimely. However, as stated, during those five years, I made a single payment to the servicer, and they attributed the payments made to the individual loans. So, even when I made a timely payment ( and they correctly attributed the timely payments to eight of my nine loans ), the servicer delayed the attribution of a portion of my payment to one of my loans, such that the payment ( in their internal system ) is late. But that " lateness '' is due to their actions, not mine.

Accordingly, for one of my nine loans, they state that I will not be eligible for forgiveness until XXXX or XXXX ( my other loans will be eligible for forgiveness in XXXX or XXXX ). I raised the issue with my servicer, and after considering it for 8 months, they rejected my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: IL
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:
So a few months ago I fell contacted XXXX XXXX XXXX in regards to putting some of my past due payments on the back because I was no longer and fell behind .At first they were not willing to work with me, so I had to take the complaint a step further, which is when I was contacted by XXXX XXXX Executive offices, who agreed to place the past due payments on the back, once I paid down I want to say a month or so. Once I did that they would place the remaining past due payments on the back, and update the late payments with the credit bureaus, because I faced a hard ship. Yet here I am months later and my credit reports still shows the late pays and it showed that I missed a payment which I did not since they put the past due payments on the back of my loan. The end story is that they are being misleading, by not 100 percent following through with what they said. I am truly grateful that they put the late pays on the back of my loan. But yet they promised to remove the late pays and did not, and reported another false late on XX/XX/19. This is absolutely insane!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Crossroads Systems Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
My first round PPP loan was originated on XX/XX/21. I was finally funded by my lender, Capital Plus Financial, on XX/XX/21. ( I was told by them that the delay was due to a glitch in their system. ) Fast forward to now ... my loan status in CAWEB is still listed as " Active Un-Disbursed ''. My round 2 application for the PPP won't process, I'm told, until Capital Plus Financial has this status updated. I contacted Capital Plus Financial on XX/XX/21 and received a response from them on XX/XX/21 stating that they do not control the CAWEB updates. I contacted them again on XX/XX/21 ( when my status was still unchanged ) and was told the same thing. I was in contact with my local SBA office on XX/XX/21 and was told that the lender is, in fact, responsible for getting the CAWEB status updated ... that my status would update when Capital Plus Financial sends over my loan disbursement information to the SBA, and that, ideally, that should be done within 10 calendar days of my loan disbursement. I located the same information in SBA guidance and included that in a follow-up email to Capital Plus Financial on XX/XX/21. I have heard nothing back. Meanwhile, my CAWEB status remains unchanged and my round 2 PPP loan application is at a standstill. 
This has been the case for so many people dealing with Capital Plus Financial. Due to delays, many have yet to even be funded for the first round. I have an application that seems to be going nowhere at this point. If Capital Plus Financial would simply update my status, there may be hope for me to get my application processed before the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-07-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX XXXX has fraudulently reported information to Chexsystems under account number XXXX. XXXX XXXX from XXXX XXXX knows there is a dispute in progress via a legal proceeding pending and he reported this to Chexsystems anyway. I am requesting that Chexsystems call XXXX XXXX at XXXX and ask him if there is a legal pending dispute regarding this account. When XXXX XXXX tells you yes, I am requesting Chexsystems remove this derogatory information from my file immediately. Sincerely XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX phone XXXX last four of social for  XXXX XXXX is XXXX and last four of social for XXXX XXXX is 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
Consumer complaint received 2021-11-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not recognize the creditor JPMCB Auto at XXXX XXXX XXXX XXXX XXXX TX XXXX. They have been sending me collection notices in about the collection account reporting that this is past due. I do not know this company and they do not have a contract bearing my signature. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off the loan, and actually overpaid the loan, with Sheffield within XXXX month of buying the trailer. They charged me {$37.00} for XXXX month of interest in a loan that had an annual rate of XXXX XXXX and will not refund the overpayment or give me the title. 

When I call, I'm transferred to multiple people and then put on hold for more than XXXX minutes at a time. 

They are not helpful and something's not right about this company. It's like pulling teeth to get to the right person or talk to anyone who can or will help.

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 2021-02-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This fraudulent XXXX XXXX  account was removed from my credit in in XXXX, months after it was reported in XXXX of XXXX. As a result of identity theft, XXXX and XXXX XXXX ( third party collection agency at the time ) confirmed the account was fraudulent and deleted the account from my credit reports. 
In XXXX of XXXX XXXX sent this same account into collections again and IC SYSTEMS ( a current third party collection agency ) has reported this to my credit once again. Negatively impacting my scores with fraudulent information, XXXX and IC SYSTEMS continue to attempt to collect debt on this fraudulent account. This is against the law. If this is not resolved immediately I will be seeking legal remedies

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 2021-09-26
Company: EQUIFAX, 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:
I am filing this Complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified that I have disputed. Please resolve this manner as soon as possible Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent Procollect a letter requesting that they validate the debt they claim I owe. I received a letter from Procollect dated XX/XX/XXXX which included a final account statement with another individuals identifying information. They failed to provide any competent evidence. They failed to provide me with an original contract. I do not owe this debt. They must remove this account from ALL 3 credit reports and agree not to sell it.

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 2023-02-22
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To Whom It May Concern, On XX/XX/XXXX at XXXX, I had an unauthorized transfer of {$2000.00} taken out of my Chime checking account. I have since spoken to Chime customer service representatives six times to date. The third time in speaking on the phone I was told I would be receiving a full refund by Tuesday, XX/XX/XXXX. I then received an email at XXXX on XX/XX/XXXX saying my claim has been closed and no refund will be issued. Three disputes were filed by me, all of which Chime has claimed are closed and no fraud took place. I have the police report for the day my phone was stolen on XX/XX/XXXX, the unauthorized {$2000.00} transfer then followed on the morning of XX/XX/XXXX. This was a fraudulent transfer and Chime has not been helpful or urgent in refunding my money nor investigating my disputes. I would like a full refund and/or a provisional credit of the {$2000.00}. I have since then rebutted the claim 3 more separate times, submitting my robbery depo, police report, detective and officer on the scenes information and the District attorneys information and my claim was still declined

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt was opened a year ago and I never received the right to dispute the debt. I was told my insurance that I had at the time, covered this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Selene Holdings LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selene Finance took over service of my loan in XXXX. Loan # XXXX. I was previously in Chapter XXXX Bankruptcy that was discharged in XXXX. Selene Finance refuses to acknowledge the bankruptcy discharge despite my sending documentation from the courts. They have refused to communicate with me regarding details of my loan without hiring an attorney post discharge of the bankruptcy. I was required to pay an attorney to get a payoff amount. I have paid off the mortgage and now have not received the mortgage lien release. I have been advised by customer service that I need to hire the attorney again. I have not been represented by an attorney since XXXX. I fully consider their actions to be predatory. I I have to hire an attorney again, it will be to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My vehicle was totaled on XXXX/XXXX/XXXX I had full coverage and GAP insurance. On XXXX/XXXX/XXXX I was advised there is a balance of {$380.00} remaining on my loan. When the insurance company spoke with Capital One XXXX they were provided a 10 day payoff amount good thru XXXX. The payment was not received by Capital One XXXX until XXXX/XXXX/XXXX. Which incurred additional charges. After speaking with the XXXX XXXX XXXX XXXX she states Capital One XXXX did not provide the letter of guarantee until XXXX/XXXX/XXXX and was requested XXXX/XXXX/XXXX. Which caused the delay in the payment, causing additional charges. She also advised me that they should not have been charging me interest after they were notified the vehicle was totaled. She also told me to file this complaint. I do not have any money to pay a balance especially when I should not have a balance. This is no fault of mine in any way. I provided the needed information to all parties in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I recently reviewed my credit report and found an alleged bankruptcy for which I do not recognize.

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 2020-12-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not recognize this account and have never had a debt with this creditor. I do not know where they came from. Maybe you are mixing up this account with someone that has a similar name as me. Also, I have no idea of any of these inquiries. Please investigate incorrect information.

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 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2020 I found an unknown and inaccurate accounts on my credit report and I sent Dispute letter but over 30 Days today I haven't received a response. I was a victim of XXXX Data Breach. I want to deleted all the accounts on my credit report or I will file a litigation.

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 2023-03-10
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account deposited two checks from another bank and was told my money would be available the next business day. I got a temporary debit card while I wait for the regular one to come but even after I activated the card it wouldnt work call the customer service number was told I had to wait 45 days for my money to be available and that the card should be activated. Went into the branch and was told that my money would be available for use XX/XX/23 it wasnt and the card still isnt working. I need to get my prescription filled but cant afford it because the bank wont give me my money.

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