BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: GA
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 a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company has also no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ) Remove these accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Data Search NY, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX county court issued judgment to me for hearing at court to collect debt, I told this company I would settle this debt for {$200.00} or {$300.00} what the card is worth because they where abusing late fees, I have tried calling them repeatedly and the law office and creditor and collection agency wo n't return calls to settle this account. they are trying to ignore it so they can get the judgement on my credit, I told them if they do n't return my call I will file complaint with CFPB. So I'am trying to see if you can put buzz in there ear to call me back, because they have never sent me anything stating they would take legal action so trying to save everyone time from having to go to court for a {$300.00} credit card, you helped me the past with XXXX XXXX with there excess late fees and was very thankful to you for your help hope you can help in this matter to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I XXXX arrived to XXXX XXXX location XX/XX/2016. I inquired about and car on your lot. Before, coming to XXXX XXXX, I XXXX had previously inquired with another company that provided me funding. I provided this document to the sales man as well XXXX XXXX financing department. Letting them know that they did n't have to check my personal credit to provide me with funding. With that being said, organization funding was/is equivalent to paying cash. XXXX XXXX financing department called the organization to verify this information was true. Any personal information that was received for me we so the vehicle could be placed in name if I decided to buy, an as well as for me to test Drive the car. This was known an repeated by the much older salesmen I have contacted this company more then two time in regards to this and it seem as if the company will not respond. My next steps would be to get a police report written something do n't t want to have to do. Also with in 30 days the company didnt send me any responding letter to the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
As per the creditor XXXX and the credit reporting agency ( Equifax ), I 've waited 60-90 days for my XXXX bank account information to update and report. As of today 's date this information is still not appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Since it has gone well past the 30 day time frame and the company can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to, " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: CORELOGIC INC
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
allowing companies without my permission to pull 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 2016-09-06
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a hard inquiry are on my files from the XXXX cable in XXXX XXXX XXXX I went to return there equipment like a box for the cable on XXXX/XXXX/2016 That is why I 'm writing to you guys any way can remove because I did n't apply for a cable I was going to return there cable but they pull my credit for it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: Genesis Lending
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In reference to Case number : XXXX disputed the companies response in reference to the case number above. 

My dispute is against Genesis Lending Services. I was forced to take out these private loans by XXXX University. I am currently dealing with the state attorney of Florida in regards with the way I was treated by XXXX. When I made the complaint here against Genesis Lending, they quickly sold my account to another party instead of allowing me to receive my 40 percent from the settlement against them and XXXX. This to me is unacceptable because if I had made no complaint against them then they would still be servicing my loan. They made no attempt to fix the issue and the XXXX thing they did was sell my loans..? The response from them was shocking to me because I had no knowledge that they sold my loan until I received an email a few weeks later on XXXX XXXX, 2015. Yet again, they only sold it after my complaint and that is horrible! I am in debt to them for XXXX and it started at XXXX. I am in debt to XXXX for XXXX! I am only getting a 4 year degree. This is too much and I am only asking for help but it seems like everyone is trying to sweep things under the rug. I am going to send letters to the white house if I have to if nothing is done to help me. Genesis told me I was to go to CFPB for the 40 percent and CFPB told me to go to Genesis, which XXXX is it?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Carter Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i have a son XXXX XXXX XXXX years old that get this bill front XXXX hospital in XXXX/XXXX/XXXX, my son move out my house and dont pay this bill, now they try to make me to pay this bill, puting this one in my name went i never was that bills responsable.. 
they send this bill in my name, now XXXX/XXXX/XXXX this collections agency try to get the monney front me, until my son is the respomsable for this bill..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi, My name is XXXX XXXX. I recently logged online to check my credit report and found that there numerous hard pull on my credit without my authorization. I believe this is a case of identity theft. According to the report from Equifax here are the detail of the hard pull inquiries which were not authorized : XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax Has Blocked My Credit Report My Credit Report is in the Equifax cunsomer affairs department i hired XXXX XXXX to handle my credit report i pay them $ XXXX Month Equifax has blocked my credit report from everybody XXXX XXXX, XXXX XXXX, XXXX everybody has told me my credit file has been blocked for 4 weeks now thats a month i paid XXXX XXXX to handle my credit report the have a contract with equifax so why my file is blocked i do n't understand i ca n't see my credit report online no more or nothing my credit report is blocked from everybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Receivables Performance Management, LLC
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had an account with XXXX and wanted to add my husband onto my account. A store salesman convinced us to switch to a business account, which we did. They upgraded our phones and we were all set. A couple of months later ( recently ) I began to get phone calls where an operator was on the line and then, brought a man on. He knew my name and said he wanted to verify my address which he mentioned. I said I did n't know who he was and was not going to verify anything. He would not say anything else. He called at least XXXX times a day from XXXX in the morning to XXXX or so in the evening for a couple of weeks!! I called XXXX XXXX my phone company who tried to help. I submitted XXXX phone numbers which they blocked. I was about to go to the police. I had nightmares ... He KNEW my address ... I did n't know if someone was going to come and kill me ... I was not aware of owing any bills. Today I was going to have my phone turned off when I get mail from Receivables Performance Management. They said I owed XXXX {$710.00}. I was not aware of owing this. I am a customer of XXXX! I was never informed of owing them anything!! After talking to XXXX, the person who switched my account failed to switch my phone to the new business account. So, I owed the entire amount of that phone which was supposed to be on a plan over time. They sent it to collections, and COULD DO NOTHING TO HELP ME!! They never sent me a bill or let me know in any way that I owed this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
about 2 months ago, I filed a dispute with all XXXX credit reporting agencies concerning old reports that needed to be removed from my report. XXXX item concerned a bank loan which I was behind on, which was reported on XXXX/XXXX/XXXX. this is well over 7 years ago, and was paid in full in XXXX. Equifax and XXXX removed the item. XXXX DID NOT.. also all XXXX agencies were reporting XXXX delinquent child support accounts that were reported on XXXX/XXXX/XXXX. I filed a dispute with all XXXX agencies about the child support report being 14 years old and told them that according to the XXXX fair credit reporting act ), that they could only report this : XXXX quote ), for 7 years after the date of the last scheduled payment before the account became delinquent. ( unquote ). XXXX and XXXX removed these 14 year old reports. Equifax DID NOT REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: PNC Bank N.A.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am filing this complaint about PNC Bank for what I believe to be confusing marketing practices aimed at tricking existing PNC Mortgage customers into opening a new PNC Bank account. 

My wife and I have a mortgage through PNC Mortgage. Yesterday we each ( separately ) received letters in the mail suggesting we needed to go online to set up a PIN number. It appeared we needed to do this in order to set up " online banking '' so we could " access ( our ) accounts ''. 

The letter itself came in the type of " snap out '' form that often is used for sending checks, or for sending official notices relating to things such as proxy voting for shareholders. It was not in the type of glossy, colorful envelope that is typically used for marketing purposes. So, as the only relationship I have with PNC is my mortgage, I naturally assumed this was some sort of formal notification or communication relating to my mortgage. 

I began the process of setting up online, because I will need to access my escrow information at tax time ( interest paid, insurance, etc. ). But I grew suspicious when the online " setup '' process began asking for more information than I thought would be necessary for simply setting up online access to my mortgage account. 

So I called customer service, concerned that this may be a form of " phising ''. They told me that they were aware of this letter. It was in fact sent by PNC and was valid. According to them, they wanted to offer their mortgage customers the ability to " access additional banking products and services '' at PNC. In short, they wanted me to set up a new bank account. 

The form letter they sent out did not at all make this clear. It does not clarify that they are sending this to existing mortgage customers and that they are soliciting these customers to set up a new account. 

Instead, it appeared to simply be telling us we needed a PIN in order to " access ( our ) account '' online. On closer examination of the letter, I now see that they use the words " online banking '' but they do NOT use the words " establish a new account '' or " an additional account '' or anything that would clarify to the reader that they are trying to sell us additional accounts, products or services. In addition, to most folks ( at least myself an my wife, both of us have Masters Degrees ) the term " online banking '' when used in the context of PNC Mortgage simply means " online access to the mortgage account ''. 

This seems to me to be an extremely misleading way to trick people into opening accounts that they do not wish to have. 

In light of recent XXXX XXXX actions - where their employees were setting up new accounts without customer knowledge - this letter from PNC seems to be a twist on that same thing, except in this case, they are simply trying to mislead existing mortgage customers into setting up new online bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been trying to purchase a property located at XXXX XXXX XXXX XXXX, XXXX, California XXXX since XX/XX/2016 from the property owner, XXXX XXXX XXXX. The Escrow Company has not been able to get a " payoff demand '' from Chase Bank who is the current holder of the property. The Escrow company has contacted Chase Bank several times to get the payoff demand but Chase is refusing to give them the information which is causing me damage as the buyer because of the delay. The Attorney that represents Chase Bank is named XXXX XXXX and he is also refusing to comply with our request. I have also made several attempts to call him and left several messages but he will not return my calls nor the calls of the Escrow Company. 
His email is XXXXXXXXXXXX I am asking your agency to intervene and investigate why Chase is refusing to give out the information for the payoff demand. 

Thank you for taking the time to read this complaint. 

Sincerely, XXXX XXXX Tel. ( XXXX ) XXXX

Company response to consumer: Closed
Consumer complaint received 2016-05-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I went into XXXX XXXX on XXXX/XXXX/XXXX to test drive a XXXX Mazda 3, the dealership never disclose their relationship with Chase Bank. The dealership was in a rush to sell me a car. The salesperson XXXX XXXX called me everyday for about 2 weeks. I spoke with XXXX from Chase and she told me the dealership was suppose to tell me that I would have XXXX inquiries instead of XXXX. I wanted to get my private student loans consolidated but due to number of inquiries by this dealership, I ca n't do anything. This is unfair to me. The finance XXXX from XXXX never disclosed that it was a part of Chase. I am client of XXXX XXXX XXXX and they advised the dealership should have told me that. I had XXXX inquiries from XXXX, it also affected my credit score. I also sent over the inquiries to the general XXXX, XXXX XXXX as proof. I do n't think its fair because I really need to consolidate my private loans to get a good rate. XXXX misled me because they did not disclose all of the information to me. I was told by XXXX XXXX Firm where I am a client that XXXX inquiries is too many and will affect my credit for 1 year and the entries will not be removed until XXXX XXXX. This is causing me a hardship. Why did n't the dealership tell me about the relationship between XXXX and Chase. Like I advise before I did have a recorded conservation with XXXX telling me that the dealership should have told me this information. I was sent a copy of my permission to have my credit pulled but I never received an answer as to why my credit was pulled XXXX times and I was never told about it plus I was never told the actual loan was approved by Chase. I was misled by XXXX, I also have proof that XXXX XXXX, sales consultant for XXXX called me everyday for XXXX weeks ( I have a copy of my phone records ). I will continue to complain until this resolved, I have XXXX inquiries on my credit report. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: JPMORGAN CHASE & CO.
State: SD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is the second time I have tried working with Chase for a loan modification due to financial hardship. In XXXX I had to send repeated requests. They kept telling me my paperwork was expired by the time the finally got around to reviewing it. After a year of doing this, I finally received a letter advising me they had no options for assistance. On XXXX XXXX, XXXX I faxed a request for loan modification once again. I was advised it would take about 5 business days to be reviewed & that Chase had changed their process from the last time I had tried to get a modification. Supposedly the process would be more consumer friendly. On XXXX XXXX, XXXX I contacted Chase because their website did n't show any information regarding my request for loan modification & I also had not been contacted like I was advised I would be. This time I was advised they did n't see anything being reviewed. I advised her of the date I sent the fax & was then advised that she could see the complete application but it had not been reviewed OR opened. I was then advised that I should just resend my request because it would be faster to get it reviewed. I was told that would take 2 days from when it was received versus the XXXX10 days it would take if she forwarded a request. I have very little faith in Chase 's ability to handle or process this request due to the horrible way my previous request was dealt with. They already are off to a bad start if they have information but ca n't bother to review it. While I do understand it 's not their fault my mortgage is past due, I think their lack of proper handling is an issue. No one ever seems to have answers & I never get the same information. Thank you for your time in helping me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: JPMORGAN CHASE & CO.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was scammed on my Chase credit card by someone I met on line at a dating site called XXXX. I have sent all this information to Chase Credit Card and they will not forgive the amount of money I was scammed. I live only on Social Security and can barely make ends meet. Chase has been harassing me for this money and they have turned me over to a debt collection agency. I have reported this to my local police department, Internet Crime Complaint Center, the Federal Trade Commission, And now to you the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
On my credit reports there are XXXX new student loans that are from a consolidation. XXXX/Nelnet lists an amount due each month at {$230.00} on one and {$140.00} on another. I NEVER agreed to anything other than a zero payment. Not once. The letter I received from Nelnet states zero amount for payment as well. This {$230.00} and {$140.00} was never part of any contract that I agreed to. There is also an ongoing court proceeding to discharge these student loans so you would think Nelnet would be reporting properly. 

Also, Nelnet denied my TPD application and they are holding the letter of denial hostage. They will not send it to me. I feel it is so they can in the future of this court case state that Nelnet decided to grant your TPD and they know I no longer would want it. It is a scheme of theirs for assurance and they have no legal right to do this. First off, this TPD is by a psychologist that signed it which they will not allow and said so in email. So they need to send me the denial letter. I also can not get into my Nelnet account and have complained numerous times. They have me blocked. They have no right to keep me blocked from my Nelnet account. 
1. Enter payment of zero for the XXXX new loans. 
2. Send me the letter of denial of TPD. 
3. Let me into my Nelnet account.

Company response to consumer: Closed with explanation