BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
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:
Im sorry I previously made this complaint but forgot the account number. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. The amount reported is {$320.00}. Account number XXXX. 

15 U.S.C. 1681 Section 602 A states that I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged {$34.00} for an overdraft in my checking account, but I had funds in my savings account and overdraft protection linked to my savings that should have covered it. I tried to explain this to the bank but they would not refund the overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing bought my loan without my knowledge or consent from XXXX  and I've had nothing but trouble since. If I had known they were going to switch and especially that there were new terms such as fees for processing online payments, I would have applied for alternate financing!

There was some sort of an issue with the way XXXX paid my homeowner 's insurance so it was billed again and rather than checking anything, Lakeview paid it a second time. Now, they have double my annual insurance amount to cover it. I have been calling since XX/XX/XXXX when I saw that they were increasing my payments, but to no avail. I have spent numerous hours on the phone. I have sent numerous emails and they continue to ignore me. When I get them on the phone, they pretend they haven't talked to me before or have no notes and then, transfer me to non-existent lines, and I get a disconnect. I have had them talk directly to my insurance company, but they pretend to not understand! They can not be that ignorant! It is simple math!!!!

They are fully aware that the only payment to be made to my insurance company this year is {$56.00} total for the year, but they have raised my escrow amount by more than {$100.00} per month! I believe they did all of this because they know I have been struggling to make the payment. Now that I could have made the correct payment on time the last two months, I can not because I do not have the correct payment amount.

I am at a loss of what to do! This is an incredibly dishonest company!!!

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 2017-10-17
Company: Ocwen Financial Corporation
State: CT
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:
Ocwen loans is reporting on my XXXX report has late and with a last payment date of XXXX XXXX. I have n't had an account with this company in over XXXX years. This debate is well over XXXX XXXX XXXX. The company needs to validate this debt with history of the account and last payment. This should not be reporting on my credit report as this information is not validate!!! I do n't owe ocwen loans any money therefor it should n't be reporting late payment and balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: MS
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 XXXX Account # XXXX, has violated my rights. 

1

5 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 15 U.S.C 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: WA
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 XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XXXX/XXXX/XXXX, i sent a letter to Transunion for reporting inaccurate information on my account, i received a letter on XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting method of verification, received a letter dated XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting for the method of verification, i received a letter dated XXXX/XXXX/XXXX stating verified as accurate. They failed to provide me with the method of verification twice, and failed to provide a response within the 15 day time frame. I have also contacted the company and has not received any response from them.

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 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To the associates overseeing the credit repair companies, I have been trying to correct my credit report because there is an account that is not mine being displayed on my report and it is very damaging. I have already contacted these credit reporting bureaus and disputed this account and the abuse I am getting from this company attempting to collect money I do not and have not owed and the companies refuse to show me a proper investigation. I was asking every one of them to tell me how this information was confirmed and what documents were received and reviews validations it and I have not heard from them or received anything. I do not owe these fund to this company and I have never heard of this company. This information was accidental ; y or illegal placed on my credit report. I do not know which is true but it must be removed immediately!

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 2017-10-17
Company: Bread Financial Holdings, Inc.
State: KS
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:
At XXXX pm cst on XXXX/XXXX/XXXX, I called XXXX to contact them regarding notices of XXXX debts they have in their office. When the gentleman asked me why I was calling I advised him that I was wanting to dispute these because I have an issue with the balances being owed and that there were unauthorized charges on these credit cards. He asked me why did I pay them for so long and that his collection company was going to sue me if I did n't take care of these. I again advised him that per my right by law I was wanting to dispute these. He again said we will send these to an attorney in your state for legal action if you do not take care of them. I again advised him that I am disputing all three of these accounts and I want them placed in a dispute status. He again asked why I was not wanting to take care of them and that legal action will be taken. I again firmly stated that he is violating my rights by not placing these in a dispute and trying to pressure me into making payments at this moment. I asked him for his name. He said it was XXXX XXXX, when I asked if this was his actual real name on his license, he said no, this is my business name I go by at work. I told him he could n't just make up a name to give me and that I now question the validity of my whole debt because he was being dishonest with me. I terminated the call at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-07-28
Company: EQUIFAX, INC.
State: IL
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:
XXXX, Equiafax, XXXX Are reporting items that are old that were included in a chapter XXXX bankruptcy some accounts are closed with a XXXX XXXX5 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
n accordance with the Fair Credit Reporting act Credit Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: CITIZENS FINANCIAL GROUP, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
alert on my credit report from bank I did not consent to reviewing my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Roycroft Management
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We ( myself, my XXXX year old daughter and my old employer ) started receiving phone calls on XX/XX/XXXX regarding a past due payday loan that I don't recall having from XX/XX/XXXX. The calls were coming from a " process server '' saying that I was going to be served with papers between XXXX and XXXX XXXX either at my home or my work. My old employer was contacted three times as well as my daughter and myself. I did call the process server and got information on the company that set this up. The company is XXXX XXXX XXXX and they continue to call and leave messages on my daughter 's phone and mine even though I did call them back and asked them to discontinue the calls. When I called back they said that I had a loan that I owed for that they can now charge me three times the original balance and that the could charge me with check fraud. They have been scaring my daughter which upsets me. I have looked on my local district court website and there are no cases filed against me to even be served.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
sent them a letter to delete all inquires that don't have my written Authorization also delete all non account inquires

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 2022-06-11
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient continues to contact my XXXX Grandmother  who is XXXX XXXX XXXX regarding XXXX student loans that she co-signed for me XXXX years ago in the years of XXXX. I have asked that they remove her from the calling directory but every day for the past year she receives at least 4-5 calls a day to her home where she and my grandfather reside alone and can barely XXXX My grandparents and I have asked they contact me instead the calls have not ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: SIMM Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My father recently passed away in XXXX, XXXX from a terminal illness and he was the cosigner on my loan. In good faith, I contacted XXXX to request a release of the cosigner and instead my loan is now considered automatically defaulted when I have never missed a payment since I got the loan in XXXX. Now, the debt collection company XXXX uses to scare people, SIMM, is contacting my mother who is distressed enough from the loss of her husband, demanding payment. I am requesting that XXXX recall the loan from SIMM and allow me to be the sole individual on the loan. It does n't make sense to treat this as a default because I 've been making payments on time and it will turn a good loan into a bad loan. Amount owed is XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I made a purchase for items through XXXX with Affirm as a lender. The amount was over {$800.00}. Unfortunately the account was charged off so I am unable to give an exact number. 

In any case, when I complained to XXXX that I had not received my order, they suspended my account. I provided proof that the items were not delivered to my home and also the police XXXX who wrote the report agreed that the home in the delivery pictures were was not mine. 

I contact Affirm XX/XX/2022 then when no one responded, I contacted them again on XX/XX/2022. I would also Receive emails telling me that my account would be charged off eventually if I did not make a payment. At maybe two or three separate times I called the firm to confirm that I would not be charged off since the debt was technically not mine to pay since I had not received my items. At one point in time I was told by a representative that my account was on a special type of old which would not which would not affect my credit report. Every time I called, I was told that the situation was still being investigated. 

Today I received an email telling me that my account was charged off. When I called in, a representative told me it was because I didnt respond to an email on XX/XX/2022. Upon further investigation, they determined that I actually did respond. 

I was told by a supervisor named XXXX that it was too late to stop the charge off and that my lack of payment would affect my credit report and future loans with Affirm. When I told her about the hold on my loan she told me that they could not guarantee such a thing and that all she could do was forward my case to higher ups. Obviously Affirm had no plans on investigating anything. Even though I provided pictures and a police report. 

XXXX a XXXX veteran that has worked off to pay off her debt and get back on her feet. The items purchases were for XXXX XXXXXXXX and I ended up having to sell other things to get things for school. This company is disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: EQUIFAX, INC.
State: AL
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:
I had an agreement with XXXX XXXX XXXX that if I paid the debt in full, they would have it removed from all three credit reporting agencies. I reviewed my credit reports on XXXX/XXXX/XXXX and the account remains on the credit reports. I disputed the items and also called XXXX XXXX XXXX and spoke to XXXX. She stated that the account should have been removed from my credit reports because the company had instructed the credit bureaus to remove it. She stated that I needed to contact the credit bureaus to have them remove it. She said she would send me a letter via email to the credit bureaus stating that it should be removed. I still have not received the email containing the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
In XXXX or XX/XX/2019, I took a money order ( and a cash advance ) from Chase for {$10.00}, and the total was {$15.00} including the {$5.00} additional charge for the money order. I took a cash advance while I have a credit card with Chase, I have no checking or savings account there. I pay off my credit card bill every month, in full, and have done so for the entire time I've ever owned / used any credit cards. I was fully expecting that I would pay for that {$15.00} at the end of month, and that would be the end of that. 

2 months later, in XX/XX/2019, I was still being charged an interest for this money order, so I called and asked why this was still happening. Apparently, according to the customer service representation, despite paying off my credit card bill every month on time, Chase " can not '' bill me for the interest that accrues during the full month until the next month 's statement, so interest will continue to accrue FOREVER and without end and I would have been charged for the next few decades in increasing amounts unless I specifically call and request that all interest and payments are paid off as of the date you call. 

This is predatory behavior. I had no issue making the full payment of the interest that was remaining, but I imagine many consumers would have been deceived and vulnerable to this ridiculous practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian Business Credit on XX/XX/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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I opened a XXXX store credit card around XX/XX/XXXX and I was making payments on time every month. Around XX/XX/XXXX or XX/XX/XXXX my purse was stolen and all my identifying documents were in my purse along with credit cards. The card got maxed out in a matter of days. I contacted them to make them aware which they were suppose to report the card stolen and all charges credited back but that never happened. Now the account is in collections and I am expected to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been reviewing my Credit Report and noticed that the Credit Bureaus continued reporting the unauthorized inquiries without sending me any proof of verification. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, XXXX is required by the FCRA to follow up with the creditor. I need the following inquiries deleted completely from my Credit report as soon as possible! 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation