BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-31
Company: ORO OC, LLC
State: FL
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:
The company called repeatedly stating they could help me to lower my payments, so finally I contacted them. They told me from the start, back in XXXX of 2017 that my monthly student loan payments could be as low as $ XXXX/month, and that after 15 years the loan COULD be forgiven completely. They told me I had to pay {$690.00} over 3 months to get the plan set up, and for some reason I understood part of that money was going toward my student loan, to show that I wanted to repay my loan, and to " bring my payments up to date ''. After they received all of the payments I learned that the total {$690.00} was just to pay them to process paperwork I could have done myself. But they led me to believe they had a special program, and it was the only way to lower my loans. Then they told me I would receive the information necessary to start my payment schedule. I received an email detailing how to access the navient web page to set up my payment plan. I could n't figure it out so I contacted them, and they told me I did n't have to pay anything against my loan! Instead, the $ XXXX/month payments were to keep them handy to " help '' me, to answer questions, and to refile paperwork next spring to re-enroll me in the " payment plan '' .When I mentioned that $ XXXX/month is NOT a payment, the guy went on to tell me how much money I owe and how lucky I am that they got my payment down to XXXX!! They also falsified my information, putting my family size at XXXX. They said they got my payments so low because they were able to prove I make below the poverty level for my state. They lied to me, and they lied about me. They filled out my paperwork, and did it while they had me on the phone. I assumed they filled it out correctly, and entered the information I gave them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
USAA Federal Savings Bank, and USAA XXXX XXXX XXXX have frozen my investment account, Roth IRA, checking account, and savings account. There is no legal judgment against me, and USAA has not explained their actions. 

I receive my XXXX XXXX check electronically deposited into my savings account, which they have frozen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On today XX/XX/2022 I recognized that these companies have violated the consumer laws. 

XXXXXXXX XXXX Account Number : XXXX Amount : {$6500.00} REPORTED BY XXXX AND XXXX Amount : {$7800.00} REPORTED BY EQUIFAX XXXX Account Number : XXXX Amount {$530.00} REPORTED BY ALL XXXX CREDIT BUREAUS In accordance with the Fair Credit Reporting Act, these companies have violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
This is another COMPLAINT to notify you of unknown record on my file. When I reviewed my credit report, I was confused by unknown information appearing on it. It is very important to keep an accurate credit file. There is BANKRUPTCY that was NOT MINE.. I contacted the Florida XXXX Bankruptcy Court located at XXXX XXXX XXXX United States Courthouse, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX Phone number was XXXX regarding this matter. The court has DISCHARGED this Bankruptcy because I was not the one that filed this public record. Please remove this bankruptcy from my credit report now! This has caused me nothing but trouble! Thank you. 
Bankruptcy XXXX  XXXXdischarged US BKPT CT FL XXXX Filed on XX/XX/2021 Reference number : XXXX ; Discharged XXXX : Bankruptcy Filed on XX/XX/2021 Reference number : XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Filed on XX/XX/2021 Reference number : 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 2019-08-04
Company: DISCOVER BANK
State: WI
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 was making automatic payments of {$200.00} toward a balance transfer offer. When the offer expired I transfered the remaining balance to another company. I called Discover and they said the auto payments would stop since the balance on the card would be XXXX. Little did I realize the payments continued from XX/XX/XXXX through XX/XX/XXXX. Once I realized what was going on, they said the auto payments were for XXXX XXXX because of a balance on the card. When I told them Ive conferred with my bank and they said the payments never stopped, Discover them said they wanted the statements. I dont feel I should have to send them my confidential information. I want a cash refund of the amount they should have not taken ( {$1400.00} ) from my account, including interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have disputed several incorrect items on my credit report. I have also sent numerous of letters to all three credit bureaus and they still have incorrect address that never belong to me at all on my credit report misspelled names and also inaccurate information on my report as well. They are not taking off my hard inquires that don't belong to me and are not updating my report at all. I sent a dispute letter last time I filed a complaint with CFPB and XXXX, Experian sent a letter to me stating that information was verified which I know it wasn't because I have a freeze on my accounts and they said the verified it with XXXX XXXX which I know is not true because its been a freeze on my account for over 4-5 months now so they lied. XXXX never even responded to me at all and everything is still on my credit report that i asked to be removed. I have sent letters to all 3 with correct name, address, phone numbers and employers all 3 still have it wrong. I have also sent verification that they didn't verify any of my information and they still didn't remove hard inquires or other information such as Bankruptcies and things on my report that is hindering to my report because of this issue I am unable to move forward with buying a home/car a lot of things I need for this to be fixed asap Thank You

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 2020-07-30
Company: MoneyLion Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I requested two " instacash '' advances totalling {$75.00}, which they show depositing on XX/XX/XXXX with a repayment date of XX/XX/XXXX. 

I never received the funds. I emailed to two different addresses on XX/XX/XXXX and received no response. I did an online chat on XX/XX/XXXX and was told I would need to send 45 days worth of bank statement to prove funds were never received. This means they are going to process a repayment for funds never received until I can provide a bank statement at the end of XXXX. 

I asked them to cancel the repayment but they refused without 45 days worth of bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: WA
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:
This is a follow up to Equfax 's investigation to complaint number XXXX regarding XXXX XXXX XXXX. 
Equifax 's response exceeded the 30 day window to verify items listed on my credit report. 
This compliant was submitted on XX/XX/XXXX. Equifax responded on XX/XX/XXXX, ( 60 days after complaint ). 
Also, Equifax 's response failed to address the complaint. My complaint was that the Mortgage lender ( XXXX ) exceeded 30 days in verify my inquiry to XXXX in XX/XX/XXXX. Equifax 's response said that they were able to verify the report, but did not address the timeliness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
This is another COMPLAINT to notify you of unknown record on my file. When I reviewed my credit report, I was confused by unknown information appearing on it. It is very important to keep an accurate credit file. There is BANKRUPTCY that was NOT MINE.. I contacted the Florida XXXX Bankruptcy Court located at XXXX XXXX XXXX United States Courthouse, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX Phone number was XXXX regarding this matter. The court has DISCHARGED this Bankruptcy because I was not the one that filed this public record. Please remove this bankruptcy from my credit report now! This has caused me nothing but trouble! Thank you. 
Bankruptcy XXXX  XXXX-discharged US BKPT CT FL XXXX Filed on XX/XX/XXXX  Reference number : XXXX ; Discharged XXXX : Bankruptcy Filed on XX/XX/2021 Reference number : XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX  Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: LoanCare, LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan servicing company is Loancare and I have been reaching out to the company since XXXX of last year to request that my account be put on bi-weekly payments. I want the option to pay my mortgage in two payments. I received an email on XX/XX/XXXX stating that they do allow it and all I have to is submit a request in writing. So I sent an email back requesting it ( XX/XX/XXXX ) and no response. I sent another request on XX/XX/XXXX and again I was told that it could be done and that I would need to send back a request. I sent another request XX/XX/XXXX and they responded that I would have to send a separate request. That request was sent and here we are in XXXX and I still don't have the option to pay biweekly. Ive contacted the Customer Service number and a young lady told me that the company doesn't allow biweekly payments. That was on XX/XX/XXXX. I then hung up and emailed the company again requesting to be put on a biweekly scheduled and here we are XX/XX/XXXX and they have yet to respond to me. I don't like that this company is keeping me from being able to save on interest and make an extra payment a year by doing biweekly payments.

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 2022-08-16
Company: RS Clark and Associates, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
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: Account information incorrect

Complaint:
This account was paid in full on XX/XX/19 in the amount of XXXX. I advised Equifax of the payment and requested that the account be updated. Equifax is still reporting this account as unpaid for the amount that has been satisfied. XXXX XXXX has been paid and is refusing to update the information with Equifax. It was paid to them directly and not to any third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX a utility bill was reported for non payment. The amount of XXXX was satisfied in XXXX of XXXX. I contacted the collection company that was reporting it to ask that it be removed from my credit since it has been paid and they stated no. Im seeking help to have this removed from all three credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On today XX/XX/2022 I recognized that these companies have violated the consumer laws. 

XXXX XXXX  Account Number : XXXX Amount : {$6500.00} REPORTED BY EXPERIAN AND XXXX Amount : {$7800.00} REPORTED BY XXXX XXXX Account Number : XXXX Amount {$530.00} REPORTED BY ALL 3 CREDIT BUREAUS In accordance with the Fair Credit Reporting Act, these companies have violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-16
Company: Self Financial 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: Account information incorrect

Complaint:
File a Complaint against Self Financial , Inc. : submission succeeded Thank you. Your complaint has been submitted. 

Your complaint case number is XXXX. If you provided an email address, you will receive an email with a link to your case within approximately 48 hours. You may click here to print a copy for your records. XXXX  acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 
I filed a complaint to Self with the XXXX  since on my XXXX report and is not reporting correctly for my XXXX XXXX Credit Card and is impacting my credit score lower than what it should reflect. I stated please provide XXXX the updated XXXX Credit Card limit along with credit usage. Attached is the incorrect reporting to XXXX. Account XXXX I need someone to contact me from SELF. XX/XX/2022 XXXX XXXX  I received a Notice of Adverse Action My account was closed for no reason stating Description of Action Taken : Termination Account closed - unable to verify customer information. I have not been asked verify my account all my information is correct. I have been making excellent payment history on time never have been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account numbers XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2020-02-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
For the past six years I've tried to have Chase bank correct my name on all communications sent to me. They have someone's name linked to my online profile. This is very concerning and it seems as if no one there knows how to fix the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23
Company: SinglePoint GI
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Credit Bureau is reporting an inaccurate, incorrect and insufficient debt as of XX/XX/2020 for {$18000.00} listed on my credit file from General Revenue Services. I do not owe this debt and I have not received any type of written notification of this debt prior to this debt being placed on my credit file. I have placed a lock on my credit file to prevent these fraudulent measures in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Remove Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: Account status incorrect

Complaint:
Inaccorance with the Fair Credit Reporting act XXXX XXXX Account has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-16
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account numbers XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXXXXXX

Company response to consumer: Closed with explanation