BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: Self Financial Inc.
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XX/XX/XXXX, {$25.00} was taken but it still gave me a late inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Full Class Member of XXXX XXXX XXXX lawsuit attended XXXX XXXXXXXX University from XXXX to XXXX Received Approval Letter of Borrower Defense Case XX/XX/XXXX from Department of Education after filing a Borrower Defense Application via a scam company called XXXX XXXX XXXX with my application having incorrect dates of attendance, but received by the Federal Student Aid on XX/XX/XXXX. 

Moved from XXXX to Mohela as my Loan Servicer in XX/XX/XXXX. Loans were held in Admin Forebearance until XXXX/XXXX/XXXX. 

Applied PSLF payment counts to all loans currently held under my name XX/XX/XXXX, achieved XXXX verified payments under PSLF program for my Sub/Unsub loans from XXXX XXXXXXXX University and PPLUS loans for sons from XXXX XXXX , and XXXX XXXX University . 

XX/XX/XXXX - Requested Consolidation of all loans to use PSLF payment waiver so that my highest payment count can be applied to all loans and they will be paid off via the XXXX program. 

Consolidation is approved however instead of being placed into Administrative Forebearance as required, I am placed into a regular IDR plan with a payment of XXXX a month for at least 12 months. 

Filed Request XX/XX/XXXX for Forebearance General Hardship explaining that I am supposed to be under Administrative Forebearance because of the XXXX XXXX XXXXXXXX lawsuit AND PSLF Waiver processing since required XXXX payments were counted and made. 

Correspondence Processing Delay Received from MOHELA XX/XX/XXXX stating my request for Forebearance should be processed within the next XXXX Business Days. 

Also have an outstanding request for a loan payment that I absolutely should not be making because I qualify under XXXX XXXX XXXXXXXX lawsuit to be in Admin Forebearance along with PSLF forgiveness due to 20 years of full time employment at a non-profit organization. 

My complaint is to have my loans placed in Administrative Forebearance they way are supposed to be and my loan paperwork properly processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Filed for unemployment, never received card. Call repeatedly, never could get through. Went to bank, was told I had to call. I have now finally been able to file a claim but I am not living in XXXX anymore They want me to come I'm and verify with my XXXX ID that I gave to the dmv when I moved.

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 2019-12-11
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account do not belong to me. I disputed it XX/XX/2016 and it was deleted from my credit report. They keep putting it on my credit report. I sent a copy of the dispute showing it was removed from my credit to XXXX  and XXXX and it is still showing up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is being submitted by XXXX XXXX, consumer and natural person. Please see attached identification for verification purposes only. On XX/XX/XXXX XXXX XXXX noticed a deceptive and suspicious account listed on the consumer credit file ( please see attached consumer file ). The account refers to Paragon Revenue Group a dba of Jon Barry and Associates Inc, with an account balance owed of {$2500.00}. XXXX XXXX has done NO business, has NO agreement, nor any account with Paragon Revenue Group a dba of Jon Barry and Associates Inc. XXXX XXXX mailed Paragon Revenue Group a dba of Jon Barry and Associates Inc a cease and desist letter ( see attached Paragon C & D ), which was delivered on XX/XX/XXXX ( see attached USPS delivery confirmation ). In attempts to collect on this ALLEGED debt, Paragon Revenue Group a dba of Jon Barry and Associates Inc has compromised the identity, violated the privacy, defamed the reputation, and affected the credit worthiness of XXXX XXXX. Even with a cease and desist in place, Paragon Revenue Group a dba of Jon Barry and Associates Inc continues to communicate with, harass, and abuse XXXX XXXX by accessing the consumer files of XXXX XXXX under deceptive and fraudulent pretenses. Paragon Revenue Group a dba of Jon Barry and Associates Inc accessed the consumer files of XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached Unauthorized Access ). XXXX XXXX mailed Paragon Revenue Group a dba of Jon Barry and Associates Inc a notarized Affidavit attesting to the facts listed herein, along with a notice of opportunity to cure for the injuries caused by its abusive debt collection practices ( see attached Paragon AOT ) ( see attached Paragon civil liability ). Paragon Revenue Group a dba of Jon Barry and Associates Inc received said affidavit and notice on XX/XX/XXXX ( see attached delivery confirmation ). Paragon Revenue Group a dba of Jon Barry and Associates Inc has refused to submit payment for damages caused to XXXX XXXX or rebut the sworn statement of facts with an opposing sworn statement of facts. Paragon Revenue Group a dba of Jon Barry and Associates Inc has in fact mailed XXXX XXXX a letter dated XX/XX/XXXX admitting to breaching the privacy of XXXX XXXX by disclosing nonpublic personal information to 3 consumer reporting agencies ( see attached Paragon admittance letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 are a few accounts on my credit report that do not belong to me, I wrote letters to Transunion and XXXX and they haven't done anything. These accounts are not showing up on my XXXX and I am a victim of ID theft.

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 2019-12-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought items with my Chase credit card on Amazon for {$86.00} I returned all items to Amazon.They given me a gift card instead of putting on my Chase credit card as a negative.Spoken and sent all information to Amazon and Chase not resolved with both parties. I never asked for a gift card they just automatic given me a gift card they are forcing me to spend my money with them ( Amazon ) .I want a credit on my credit Chase card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These disputed accounts were open fraudulently : XXXX XXXX XXXX XXXX {$4000.00}, XXXX  XXXX XXXX {$120.00}, XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX  {$510.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX not sure amount but this account is reporting twice. I have filed an ID Theft report with the FTC, disputed these accounts with the credit bureaus and added security freezes with : XXXX, XXXX, Trans Union, XXXX XXXX XXXX XXXX  and XXXX, to prevent further fraud. I received no response from my disputes sent to XXXX, Trans Union and XXXX XX/XX/2023. I sent a follow up dispute to the credit bureaus again XX/XX/2023, this time I received only an online " dispute results '' from XXXX and said these accounts were " Verified as accurate, '' with no consumer contract or evidence that under the FCRA that this account was open by me.

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 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Someone is using my name and social security number to obtain credit and Id like it to be REMOVED and ALL accounts CANCELED ~ Ive had a fraud alert on my credit for over a year and recently updated and there should NOT be any credit extended to anyone w/out contacting me DIRECTLY as indicated on ALL XXXX credit bureaus!.. Ive also noticed a XXXX name ( XXXX XXXX ) w/ a XXXX XXXX address has ALSO engaged in fraudulent activity/behavior using my social security number and credentials and its been Reported to the police where I live!! * please CANCEL ANY & ALL ACCOUNTS, LOANS and/or any other credit extended! * thank You!, 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 2019-01-16
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Friday, XX/XX/2019 attempt to purchase 2 XXXX XXXX tickets from an XXXX XXXX XXXX on XXXX. Paid him {$200.00} via paypal through friends/family transaction. Paypal does not pursue claims unless it is through a business transaction. XXXX XXXX XXXX XXXX XXXX XXXX told me it is unable to recant or place hold on funds since it is through a personal/friends/family transaction. XXXX XXXX XXXX will not refund the {$200.00}. Please see supporting documentation in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/XXXX, I applied for a line of credit with XXXX. I was denied based on an experian report that showed i had a credit score of XXXX and that there was an open collection on my account. 

I have been tracking my credit score and report for over the past year and I do not have an open collection and my score is over 730. 

I have tried contacting experian to resolve but can not get connected to a person. The phone system keeps me inside a loop no matter what extension I press. I have included a 3 in 1 report i pulled today XX/XX/19 it clearly shows no collections and a credit score above 730

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 2023-04-13
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Funds were deposited by SSA on XX/XX/23 ( and ongoing months, twice a month ) and received. Then bank began stating that I had overdrafts even though this did not happen. They withdrew my {$910.00} and only returned {$860.00} of the funds. On XX/XX/23 I paid a bill for {$50.00} and it was authorized on XX/XX/23. The bank then stated on XX/XX/23 that the bill was paid and but {$54.00} was taken from my account. 

Then, when I made a claim on the {$910.00} with the bank ( customer service in the XXXX answered ) I was told that I had withdrawn {$260.00} and {$640.00}, but I had not done this. I stated a claim to a different customer service representative and he said he would put the claim through for me. Then, the money was returned to my bank account ( {$860.00}, not the full {$910.00} ) and that he was going to close the claim now. I still have not received the full amount back in my account. 

The bank also claimed that I withdrew my funds from an ATM, which I did not do, I went into a physical bank location to make the withdraw. 

Claim ID # 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 2021-11-15
Company: American Mortgage Partners Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 a mortgage application was completed with XXXX XXXX XXXX XXXX, a mortgage lender, for a property located in XXXX, NJ ( XXXX XXXX XXXX, XXXX, NJ XXXX ). All underwriting conditions were completed within the same business day of the request. The lender made the initial guarantee to close in XXXX. The lender then requested the appraisal company take photos and appraise the comparable properties despite having no authority to trespass onto other properties nor the relevant to the mortgage application for the property. An appeal was made from our attorney as the condition is not relevant given the appraisal amount for the property in question far exceeding the XXXX amount and the property noted in good condition as per appraisal and inspection. Further, the mortgage lender waited until the date of the lock expiration to " find '' another condition as an excuse to charge more closing costs for the purchase. The mortgage broker ( XXXX XXXX, XXXX, XXXX XXXXXXXX ) handled business with the male applicant, and only would communicate the same information to the female applicant if directly requested by the male applicant as clear form a discrimination. The company is now requesting business records for any company with which either applicant is involved for the last three years despite business income not claimed as part of the transaction and K-1 forms already provided. Both applicants DTI, income, and credit far exceed the minimum requirement for this and any lender yet are met with poor communication, interrogations, and never ending unreasonable requests. The lender misrepresented and misled the borrowers about their ability to obtain a mortgage with the company, dragging the process out more than 45 days and preventing the borrowers from finding another mortgage company and costing the borrowers undue hardship for time, cost ( appraisal, inspection, lawyer ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This account is currently reporting on my credit report, and I have not physically signed anything or applied for any type of credit with the merchant. I have previously requested an Investigation into this matter, and I have not gotten a resolution to the complaint.

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 2022-05-24
Company: LJ Ross Associates
State: WI
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:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Attempted to contact CapitalOne twice once with an agent and again with a supervisor on XXXX XXXX,2017 ... I paid my account in full XX/XX/2017 {$2200.00} ... which in turn I received an interest charge for {$31.00} I contacted and asked if they could waive as a courtesy as this is my ONLY balance and I have paid them more than enough interest including a late fee and both times both parties said no for {$31.00} ... I have been a customer with them for years and a no!? I am asking for your help to have any fees waived including a late fee if they charge a late fee on top of this interest charge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Sir / Madam We booked XXXX XXXX XXXX located in downtown XXXX XXXX, CA for two nights of XX/XX/XXXX and XX/XX/XXXX. At 1st night of XX/XX/XXXX we stayed in room XXXX XXXX around XXXXXXXX XXXX of midnight my wife was XXXX XXXX XXXX XXXXXXXX XXXX woke up, there are multiple XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and we found a bed bug in bed. Then we immediately went to the inn office to report the incident and requested to switch a room. 

However the staff said that the inn was full and there was no vacancy room for switch. He asked us to come back in morning and promised to switch a room for 2nd night of XX/XX/XXXX. We had no way but went back room # XXXX, but we could not sleep because XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Next morning the staff switched our room to room # XXXX for 2nd night of XX/XX/XXXX, the room # XXXX was fine with no bed bug. 

On XX/XX/XXXX I called the hotel and requested a refund of {$100.00} ( cost of 1st night stay on XX/XX/XXXX ) ; however the hotel representative named XXXX refused to refund. 

On XX/XX/XXXX and XXXX XXXX, XXXX I submitted a dispute in writing with the same description and pictures of multiple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a bed bug found in our bed as evidences to the credit card issuer-Chase for two times ; However on XX/XX/XXXX Chase finally rejected my dispute with Chase confirmed that the transactions you disputed are valid. 

We do not agree with Chase conclusion that " Chase confirmed that the transactions you disputed are valid ''. The conclusion of investigation is unfair for us, because of bed bug we dissatisfied the stay in XXXX XXXX XXXX, my wife was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX she was not able to sleep whole night. We lost {$100.00} for that night. We doubt whether Chase really did investigation. 

Please help us to get corrected. Thank you.

Company response to consumer: Closed with monetary relief