BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: Affirm Holdings, Inc
State: WY
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:
In XXXX of 2022 I started getting e-mails and phone calls from a company called Affirm. I spoke several times with representatives and managers and each time they told me I had an account, however when they tried to guide me to this " said account '' through their website I would receive a return e-mail with someone else 's name on it and it would state that no account exists. The manager then referred the problem to their research group who replied in an e-mail that I had no account with them and that my credit would not be affected. They continued to call and I spoke again with a manager who referred my " said account '' to their research team again and AGAIN I received an e-mail stating I had no account and that my credit would not be affected. I don't know how cut and dry this needs to be to see that this is in error and I want it OFF of my credit report! I submitted the e-mails and screenshots to XXXX showing the responses from my e-mail with a different name than mine. I need this fixed! I have been working very hard on improving my credit and for a company to just add this to my name is insanity and for XXXX to go along with it is beyond comprehension. There is no account and I have NO documentation, NONE but just their word I owe this. I can't even see what it is for and they have not told me what it is for as I don't have an account so they can verify my INFORMATION!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Navient Solutions, LLC.
State: NY
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:
In XX/XX/XXXX, I spoke with General Revenue Corporation. I was willing to get into a payment arrangement to start paying off my loans. As per them, they told me that I needed to make a payment to them to pull my loans out of default and that i needed to consolidate my 2 student loans. I told her that i did not want to consolidate them, and that i just wanted to make a payment arrangement with them to start paying them off. That is when i was told that payment arrangements were not available to me because i was in default, and i had to make the 1 time payment first. Then she told me that my account was ready to be transferred and as soon as i made the payment and consolidated my loans, that they were handing my loan debt off to a new company. On XX/XX/XXXX, I received a letter in the mail from XXXX XXXX stating that General Revenue Corporation is requesting a wage garnish on my loans.

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 2022-09-08
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: Account status incorrect

Complaint:
CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

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 2022-09-08
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: Account status incorrect

Complaint:
CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor XXXX XXXX XXXX XXXX  has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

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 2020-04-23
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert today for all 3 of the reporting agencies today that a new negative account was added to my credit reports. I looked up the account it is once again it is Midwest Recovery System. This will be the 3rd time I have disputed this debt with CFPB and Midwest. Each time Midwest responds that the debt cant be validated and they send a letter of deletion to all 4 credit agencys. Now it has reappeared and also the same debt which originated from XXXX XXXX XXXX is on my credit report from Midwest and also XXXX XXXX XXXX. I was never notified because they know this debt can not be validated and it does not belong to me at all. I do not know why this debt is allowed to continually be added back to my credit reports and drop my score down for no apparent reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: HW Holding, Inc
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2017-09-02
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:
I contacted the company on many occasions and I even sent in a police report that was made stating that I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company Net Credit on XXXX XXXX 2017. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. calls on XXXX XXXX 2017 @ XXXX XXXX XXXX 2017 @ XXXX XXXX XXXX @ XXXX XXXX XXXX @ XXXX Emails to date on XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have an XXXX XXXX account and im trying to get payed for the hours i worked this week but im having problems getting the money into my account because it says my bank is taking too long to send my information. Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Account status incorrect

Complaint:
CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor ( XXXX XXXX  - 3rd Account ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

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 2022-03-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello cfpb, my amazon store card has been falsely reporting incorrect card account balances saying past due when i have always paid them on time. For months they have been reporting to XXXX  and XXXX past due balances when my account is paid. I'm including screenshots of my amazon account statements and credit report showing a false balance of over {$300.00} in an attempt to damage my credit score each month. I pay and have paid this card off each month and would like you to investigate this. Also XXXX XXXX with XXXX has had a dispute going since XX/XX/XXXX when I reported false information on my credit report about self card and the amazon store card and its XX/XX/XXXX and they still haven't updated the dispute so I can file a new dispute on incorrect Info. Please investigate this because it's discrimination and its wrong either way to report false high balances and report things that are incorrect to try to damage my credit. Here are the screen shots I got and documents.

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 )

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 2022-09-08
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
A transaction was done on XX/XX/22 with {$610.00} to XXXX XXXX. I later discovered that he was a fraudulent person. He was supposed to make some repairs on my house and never showed up to complete the work. I gave him until XXXX, and he has not contacted me or shown up. I submitted a dispute on XX/XX/22 with TD bank 's credit card service, and they stated it could take up to 90 days. On XX/XX/22, they sent a letter requesting information which I submitted on XX/XX/XXXX via fax. I received another notice in XXXX stating they were closing the dispute for lack of knowledge. I have been calling, and I am told someone will contact you. We are in XXXX, and the 90 days are officially over next week, and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: TRIAD FINANCIAL SERVICES, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was late for the month of XXXX but paid on XXXX/XXXX/2017 for the month of XXXX. The XXXX payment will be a little late due to financial set back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Been a victim of identity theft since 2015. I have been trying to clean up credit and there is one item that will not go away from NATIONAL CREDIT SYSTEM. Tried to contact the company multiple times but they said they do not have a file on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Social Finance, Inc.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I received my new SoFi Financial credit card and have subsequently been issued my now fourth new card due to fraudulent activity on the previous cards. They company did reverse one of the charges before I even knew it was made. There are 2 other charges on my account that are also fraudulent and they have been reported numerous times to both fraud and their customer service department. I received a letter from their fraud department stating they were investigating the claim. They have not put any holds on the fraudulent charges and due to the length of time and lack of protections I have had to make a payment to avoid a mark on my credit. Keep in my I have never used this card and I'm waiting for the fourth card to come and it's all happened in less that 6 months. The phone number that is in the lettter from the fraud department is a line that is never answered and you are detected to leave a voice mail and you call will be returned within 24 hours. I left VM 's on XXXX on XXXX and never got a call back. The number they give is XXXX extension XXXX. Please try this number to verify that what I'm stating is actually a fact. My opinion is that the is an unmonitored line. This company is very unresponsive and my goal is to have these fraudulent charges removed, my unnecessary payment returned to me and then I can close this account as it seems their security is lax to say the least and their customer service rates even lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My name is XXXX XXXX. Recently had my XXXX loan sent to chase and chase returned it to the lender and it was sent once again. My account has been locked still and cant access it. They wont send the money back or anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello cfpb, my XXXX XXXX card has been falsely reporting incorrect card account balances saying past due when i have always paid them on time. For months they have been reporting to transunion and XXXX past due balances when my account is paid. I'm including screenshots of my XXXX account statements and credit report showing a false balance of over {$300.00} in an attempt to damage my credit score each month. I pay and have paid this card off each month and would like you to investigate this. Also credit karma with transunion has had a dispute going since XX/XX/XXXX when I reported false information on my credit report about self card and the XXXX store card and its XX/XX/XXXX and they still haven't updated the dispute so I can file a new dispute on incorrect Info. Please investigate this because it's discrimination and its wrong either way to report false high balances and report things that are incorrect to try to damage my credit. Here are the screen shots I got and documents.

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 2022-02-17
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: Personal information incorrect

Complaint:
I have reached out to credit bureaus to remove inaccurate information from my credit file, and it was not done with in a 30-day time frame

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 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item XXXX XXXX  ( ADDRESS : XXXX XXXX  XXXX XXXX  XXXX XXXX, PA XXXX ) Allege Amount Owed {$280.00} XXXX XXXX XXXX XXXX ( ADDRESS : XXXX XXXX XXXX, XXXX FL ) Allege Amount Owed {$840.00} CAPITAL ONE ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) XXXX Allege Amount Owed {$360.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX VA : Allege Amount Owed {$500.00} I have No knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am the recipient of blatant systemic institutional racist predatory XXXX XXXX business practice conduct from Rocket Mortgage ... ie ; XXXX XXXX ( XXXX ), XXXX XXXX ( Director Mortgage Banking ). 

I applied for a mortgage loan on XX/XX/XXXX with XXXX XXXX, on on a income property that I own in XXXX, Texas. On XX/XX/XXXX, I am then tossed over to XXXX XXXX like some XXXX that just got off a boat, despite that ill feeling I went forward and went through the whole submission process appropriately providing ALL requested documentation, and even having these XXXX run my credit from the onset ( without my authorization ), and knowingly being mislead, and be told that I DID qualify for the mortgage loan. 

On XXXX I receive a phone call from XXXX XXXX telling me that all submitted documentation is complete, and satisfactory, and that the last step needed would be for me to go onto the application site, and complete the deposit agreement by providing my banking information, which I completed, and did on XX/XX/XXXX. 

On XX/XX/XXXX I received a email ( attached ) from XXXX XXXX telling me that my loan application had automatically withdrawn itself, ( straight XXXX misleading misrepresentation ) despite me complying with the directive, and his request of the above mentioned deposit agreement being completed, again done on XX/XX/XXXX. Per the attached email, he tells me he can recreate my loan application, and all I would have to do is resign the application online. Or ( verbatim ) we could drop this, and part ways ( more XXXX ). He would have the documents sent back to me to resign. I agreed to continue to move forward, and resign the documents to move the process forward. 

Today, XX/XX/XXXX, I receive a phone call from XXXX XXXX, asking me if XXXX XXXX had contacted me, and that he had called me 2 times, which is a ( XXXX lie ), and part of the misleading misrepresenting ruse that has been ongoing from/by these XXXX, He then commences to inform me that XXXX XXXX had made a mistake, and that I didn'nt qualify for the mortgage loan. 

Again, this is some straight blatant XXXX XXXX XXXX XXXX racist predatory redlining lending XXXX, and was done because I'm a XXXX American, and what is taking place with the devastating catastrophic weather conditions in the State of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
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:
XXXX has reported a loan I took out with them as 60 days late. This is not true. I disputed this in the past and it was not investigated properly.

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