BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested my negative balance back via phone support. I requested ACH or wire transfer. I was told the only way ACH works is if they send am email at a random time they can not predict in the following 48 hours. I was told if i fail to authorize the ACH transfer that it would be shipped via mail. I am currently on an island that does not receive physical mail, and can not go to the mailing address because i am distancing from my family who reside there. On top of this, i informed them they are not allowed to mail a physical check. 
4 days go by, no email, but i see the refund was issued on XX/XX/25. I called to see what happened. I was informed a physical check went out, and i complained about this. I reminded them a physical check was unacceptable, and that i had not gotten an email. I escalated this matter to a supervisor, and was informed that someone from the executive office would call me in within 48 business hours. We are now 4 days past the second phone call, and the executive office has not reached out to me. 
On a side complaint, the call lines and verification processes are requesting online account passwords. This is a GIANT no-no in the computer world.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: EQUIFAX, INC.
State: WI
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 have call credit bureaus to dispute all negative impact on my credit reports in regards to date of opening not correct, information from documents I have showing I do n't owe and cases that were discharged in my chapter XXXX from 2008, these companies keep reselling to other companies over and over again, one collection company which is XXXX XXXX has false reporting saying I owe when wisconsin circuit court shows I do n't, damaging my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: MS
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:
THESE ACCOUNT HAS YET TO BE REMOVE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX ACCOUNT XXXX MUST REFLECT THE STATEMENT BALANCE OF {$520.00} IT HAS NOT BEEN UPDATED BY THE REPORTING AGENCIES FOR OVER 1 MONTH AND I EXPECT THEM TO EXPEDIATE THE MATTER AND UPDATE AND CORRECT THE LOAN BALANCE AS PER Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

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 2020-10-27
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I received an ad in the mail to apply for a credit card. I got an email on XX/XX/XXXX saying I was approved for a credit card and that I needed to call to establish membership. I called and they said that if it they did over the phone it would be another hard inquiry so they walked me through applying online. It asked for the same documents that I submitted with my credit card and the rep told me it would link up would just take 1-2 days. Turns out that didn't happen so had to call to get figured out which they placed me on hold for about 30 minutes to do? Finally my bank account was opened and just now I was called saying I would need to submit a new application? I feel like this is a phishing scheme to get my information at this point.

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 2019-10-30
Company: Paypal Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a scam collection notice from XXXX XXXX, XXXX. The mailing address is XXXX XXXX XXXX, XXXX XXXX NJ XXXX. The notice claims to be collecting a debt of about {$200.00} on behalf of Paypal Inc. I have never used any Paypal credit products and do not owe any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: IN
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: Was not notified of investigation status or results

Complaint:
XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  i opened dispute on XX/XX/XXXX. The disputes are as follow as i put them above. The reason for it is because he already open up a dispute prior to the complaint : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  Today is XX/XX/XXXX and we have proofs that the bureaus have violated the same FCRA rules again. i have included inmage that the creditors involve in the complaint have violated Metro 2 Compliance Violation ( Not updating dispute status ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Not Including Creditor Contact Information ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Incorrect or inconsistent Account Number ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
A letter, Certified Mail No. XXXX, has been sent to your office and addressed to CFPB Director, XXXX XXXX. The letter was delivered at XXXX XXXX  on XX/XX/2020. The company at fault is CAPITAL ONE AUTO FINANCE, and all other pertinent information is within the letter. CAPITAL ONE AUTO FINANCE needs to acknowledge the loan has been paid in full and release the title to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt was charged off and sold to collectors and I am now being harassed XX/XX/2020. Submitted a 609 letter and still is on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2020-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio recovery associates placed a negative item on my credit report with out notifying me.portfolio recovery associates violated the early warning clause of FACTA section 623 ( A ) ( 7 ) .this law requires collectors to notify me by mail before placing negative items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CORELOGIC INC
State: TX
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:
I have requested my credit report 3 times from CoreLogic at XXXX XXXX XXXX XXXX XXXX, CA XXXX. On the third time, I sent the letter certified. 

I included all the relevant information to find my credit report, including my full name, address, social security, one form of identification and one form of proof of address. 

I still do not have my report.

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 2022-08-05
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA
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:
I resided in a community rental " XXXX XXXX '' when the Covid started, after 4 to 5 months I was laid off among 150 other employees due to Covid from the same company, it became a hardship to pay the bills and the rent so I decided to move instead of getting a " Notice to vacate or Evicted ''. They said regardless of the situation I had to pay 3 months in order to move out, they did not care about the Covid situation due to loss of employment and If I did not pay I will be put in collections. So they did anyways and now my credit is hurt due to an unexpected situation that happened to millions in the US and other countries. I need this removed from my credit. 


COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Creditor : XXXX XXXX Placed for collections on : XX/XX/2021 Original Principal : {$6500.00} Current Principal : {$6500.00} Interest Due : {$12.00} Total Due : {$6500.00} XXXX XXXX, As you are aware, your account is past due. Since we have not received any response from you regarding your balance, we request you choose one of the following : Mail the past-due amount today to the above address. 
Mail a post-dated check today dated for any date this month that funds will be available. 
Contact the undersigned account representative so satisfactory arrangements can be made. 
Your attention to this matter is important to avoid further collection efforts. If payment has already been remitted, please call and notify your account representative promptly upon receipt of this notice. 

*To make a payment or setup a payment plan, go to www.genesiscred.com. 
Sincerely, COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: General Motors Financial Company, Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Lease
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 my lease for my 2018 XXXX XXXX to GM Financial on XX/XX/XXXX. I had auto pay set up. On XX/XX/XXXX they pulled another payment of {$380.00}. On XX/XX/XXXX my wife called the help desk, she was told it would be back in my account within 10 days. On XX/XX/XXXX I called the help desk, I was told at that time it was processed Wednesday XX/XX/XXXX, I should be receiving it within a few days. On XX/XX/XXXX I called the help desk again, I was told at this time, it would need to be mailed out to me by check. It is XX/XX/XXXX. I have not received it. I work for a Bank, when we receive a payoff we terminate the auto pay. I don't understand why an additional payment was taken, and why it is taking so long to return. Also why the different stories when I call inquiring about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Wayfair was notified on XXXX XX/XX/2020 to cease & desist ( 15 USC 1692 c ( c ) ( 1 ) ( 2 ) ( 3 ) all communications and you continue to ignore federally mandated consumer protection laws. You failed to validate this alleged debt that is inaccurate ( 15 USC 1611 ( 1 ) ) nor did you ever receive written consent to furnish information on my credit report which is also a violation of my federally protected consumer rights. You continue to send a bill for this alleged debt which is a violation of 15 USC 1692 b ( 2 ). Wayfair continues to harass me by sending bills after they received a cease & desist order and is a violation of 15 USC USC 1692 D. You have also failed to communicate on the attached bill that this is an attempt to collect a debt which is also a violation of 15 USC 1692 e. The alleged debt you are attempting to collect is also a violation of 15 USC 1692 F ( 1 ). Pursuant to my federally consumer protected rights 15 USC 1692 J, by Wayfair continuing to report this alleged debt on my consumer credit report to the 3rd party credit reporting bureaus is also a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ability Recovery Services are reporting on my XXXX  account. I have yet to see any validation about this debt. Nothing was mailed to me about this collection. Its only on my XXXX  account. No matter how many times I contact and dispute they still didnt prove that this debt belongs to 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 explanation
Consumer complaint received 2020-05-19
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand

that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and
made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have a student loan that is decades old. Well over ten years ago when I wanted to return to school to finish ( I had 1 year to complete ) I was told that I would have to start all over! Therefore, since the education that I received did n't hold it 's value, I should n't be mandated to pay for something I did n't get. Moreover, since my efforts to get the matter discharged, all of a sudden they have discovered accounting errors and the balance grew. I have no way on knowing if their accounting is accurate. If they have poorly accounted my account, I believe they could have made costly errors on countless others. So, in addition of to there being an unknown disclaimer on my education, and due to the fact they made serious accounting errors, again, this loan should be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Back on XX/XX/XXXX I mailed disputes to the credit bureaus, but I never received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called Transunion and gave them all of the companies above with inquiry dates which are listed above. I asked Transunion to please remove them from my credit report because I never authorized these inquiries and that I was a victim of inquiry issue. I am not questioning any debt on my report. all I asked was for all of them to please be removed because I never authorized them. Transunion was not responsive and told me they would not remove and for me to just wait a few years and they would go away. I told them this was not acceptable, I also have tried reaching out to the companines above, but I am like a needle in a haystack. I can not find a human being to help me. If you could please let me know if your company can help me. thank you so much.. 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 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX Credit Card resold by XXXX XXXX provided me with a statement on a XXXX balance account where they are charging me a {$99.00} annual fee and {$1.00} in interest. On XX/XX/17 I called the company and asked them to waive the fee and to cancel my card. They refuse to waive their annual fee on a card I do n't use and they are charging me interest on their fee. This is a UDAP issue.

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 2020-02-22
Company: GVA Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
DUE DATE ON LOAN IS WRONG. XX/XX/2020 SHOULD BE ) XX/XX/2020 COMPANY REFUSES TO MAKE CHANGES TOO STOP OVERDRAFT CHARGES NOTIFY COMPANY SEVERAL TIMES TO NO CHANGE EXPLAINED ON FIXED INCOME SOCIAL SECURITY ADMIN CANT AFFORD TO PAY LOAN OFF??

Company response to consumer: Closed with explanation