BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account has been paid and the credit collector refuses to remove from by credit 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 2017-07-22
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The issue has to do with Predatory Lending, Fraud and Elderly Exploitation. due to the length of the documents I will have to upload this in four sections. I will label them : Complaint 1 containing a letter outlining the issue along with some the supporting documents. Complaint 2 will contain additional documents. Complaint 3 and 4 will likewise contain the balance of the supporting documents. Please connect all four documents in order to get the total documents. This download will contain all four Complaints. Please bear in mind-these are not four separate complaonts but four parts of one complaint. The issue has to do with Chase Bank flipping the loan on my now XXXX brother- XXXX XXXX . You said you had already submitted this complaint once : XXXX. I do not know if what you submitted was the total document since I have tried to mail it to you with no luck, I have tried to up load it to you but your system would n't take it all at once, and I have sent you documents before. This one contains more information. Please use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: TRANSUNION INTERMEDIATE 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:
I reviewed my credit with a Agency and XXXX XXXX is not providing the accurate scores and correct information from Transunion, XXXX as I review my credit score with a agency. My credit scores with a Financial Institution lender it reads as follow withTransunion XXXX, XXXX XXXX and XXXX XXXX. XXXX displays Transunion XXXX and XXXX XXXX it does n't display XXXX. XXXX XXXX is misleading Consumers and our Military Veterans on credit scores and credit accuracies I have a free membership with XXXX XXXX. I am providing my XXXX XXXX information to Federal Government for evidence. My Log id XXXXXXXXXXXX Password XXXX XXXX XXXX credit scores and information are misleading.My credit score of XXXX is way of XXXX is misleading.Also I was mislead on credit card referral as XXXX XXXX states that my credit scores was good to get a XXXX XXXX credit card and when I applied I was denied and declined by XXXX XXXX Credit Card.

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 2021-05-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Northeast Collection Bureau
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Ncb has been calling me about making a payment for a loan that I did n't apply for. The amount is {$3900.00}. I would like this issue resolve because it 's lowering my credit score tremendously. The phone calls started in XX/XX/XXXX and have been done on a daily basis ; several times a day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I began credit in XXXX. I had been living in XXXX, pa, for about two years then. People began using my personal information without my consent. In XXXX i was a victim of identity theft and did everything in my power to fix the issue at hand. I was sent a letter from my bank in XXXX that I have no credit or delinquent credit, like if I 'm not even in the map.I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: OH
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 was notified this year that on XXXX and XXXX of 2018 that my credit report through equifax was involved in a data breach twice. I have obtained no other information except for what was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They claim I activated an XXXX Rate Sale offer with a promotional rate through XX/XX/22. I did not do this. I would like to see proof and the details of this offer. 
It has affected how they processed my payments on balance transfers.

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 2022-06-13
Company: Avant Holding Company, Inc.
State: NV
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:
I submitted an application though XXXX XXXX and was advised that inquiry would be a soft inquiry ; however after reviewing my XXXX credit report the inquiry appears as hard inquiry in which I didn't authorize on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage is through Shell Point Mortgage. We have our payments taken bi-weekly. They send a letter every month telling us when the payment will be withdrawn and that they need 24 hours to cancel any payments. In XXXX our mortgage would be drafted three times creating an over payment of {$1300.00}. We called two times to cancel this overpayment before this was pulled from our account on XX/XX/XXXX. They assured us they had cancelled the payment and yet it went through anyways and over drafted our checking account. We have called 6 times and emailed 3 times since then to get the overpayment refunded. Each time we are told that it will be refunded just to call back and be told there is no record of our call ( despite being told that we are on a recorded line. ) Our emails go unanswered and despite being told our concern has been escalated, no action ever occurs to fix the situation. It is now XX/XX/2020 and we still have not received any resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently reviewed my credit report and saw a collection from a company called WilliamFudge I don't know who they are and I have never done business with them. I attempted several times with the company to rectify however they have not responded. 



15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Southwest Business Corporation
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Friday XXXX XXXX 2017 at XXXX XXXX, I received a phone call from my mother stating that someone named XXXX from a company named AP Services called her asking for me about a " business matter ''. I have not lived with my parents in many years for them to receive any phone calls at their home. She gave me their phone number XXXX. I called this number and received a prerecorded message stating that someone would be with me shortly. I was on the phone for 22 minutes and never  spoke to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing you this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these items to correct my credit report immediately! I have reported this to the federal trade commission, and I have also attached a federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!

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 2021-06-28
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: Information belongs to someone else

Complaint:
I wrote to Credit Bureau requesting an investigation into item that I believed is OBSOLETE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 
I regret that I am being forced to take such action. 

Please see my reasons for dispute below : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor. 
XXXX XXXX Account XXXX : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Experian Information Solutions 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 have recently credit my credit file. I have noticed several collections accounts on my file that is no accurate and should not be on my report. It also show a dismissal is a bankruptcy that should have not been there due to that it not mine. I have contacted the bureau of several attempts and have gotten no results. My next step will be to contact an attorney due to the history of these accounts hurting my credit. These accounts are stopping me from providing for my family.

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 2022-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery associates has repeatedly robocalled called my cell phone number daily for the past 3 weeks or more. They are trying to reach another person who I am not and have no association with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
USBank Loan # XXXX I paid the loan off on XX/XX/XXXX ... including additional monies where a credit is owed. 
Based on Texas DMV site, Lien Holder must release loan within 10 business days. 

I have reached out to USBank with no response from their end on type of title ( Electronic or Paper ) and the amount of they owe me. My bank statements and screenshot on USBank 's site shows the payoff. 

In the meantime I have reached out to Texas DMV on my title information and have described same scenario, and should have response early next week. 

I would like a response from USBank on why the delay on both matters. Money owed back to me and my title since they are no longer legally a lien holder on my vehicle. 

I am attaching the last screenshot I made before having my account closed out online. Shows the payments made onXX/XX/XXXX. The amount they are showing owed is same exact payoff amount their phone system gave me. I paid the extra {$70.00} in case their system was incorrect like the last complaint I made with same company. 

Respectfully, 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 explanation
Consumer complaint received 2017-07-22
Company: DISCOVER BANK
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This complaint includes a file, which is the exact online chat transcript of my conversation with 2 Discover Card Representatives : first, XXXX, who was clearly showing signs of the usual great Discover Customer Service, but because of the nature of the problem, apparently XXXX had to call a Supervisor named XXXX, and there was where I found the bad customer service which is usually heard from other banks and companies since years ago. Simply, Discover reduced my credit limit from the original {$6000.00}, to {$5000.00}, just with an e-mail letter sent last XX/XX/XXXX, that I was not able to read until today, 10 days later, after my Discover  Card was rejected at a local ATM from the recognized Bank called XXXX, here at XXXX XXXX XXXX, in XXXX XXXX XXXX, very close to our home where this shopping mall is located, and this ATM was used without problems before. But, the same Discover Card Company, sent me just 4 weeks before, another e-mail approving half of my original credit line for credit card cash advances, so {$3500.00} was the new credit card cash advance limit, half of the credit line. Both e-mails are included as evidence, the one from XX/XX/XXXX, and the one from XX/XX/XXXX, which I was not able to read on time, and even in that case, that does not change the problem : My credit card with Discover was way within its credit card limit, before this problem which started just on XX/XX/XXXX. I was counting with this card for  emergencies, as any of you can read in the online chat transcript document I included, not provided by Discover or by XXXX, but is copy paste I made by my Son before closing the chat, because there was no offer this time for sending on an email the chat transcript, had to do it all by myself. Discover simply reduced my credit line by {$1000.00}, so 10 days was not enough to avoid been unfairly forced by this action to an over the limit balance problem I did not had. It was provoked by Discover by allowing this, and my next payment is about to be made just days from now, next Wednesday XX/XX/XXXX, the XX/XX/XXXX Wednesday of the month, because my income is from Social Security and this was clearly informed to Discover on a previous online chat just days ago. XXXX was completely out of what is expected from Discover, far from their excellent customer service, just saying I should have a good rest, and asking me to ask for an automatic credit line increase as if this was a regular credit line increase, when it is not : my credit line was reduced, and 10 days notice is not enough when you put an account in an over the limit situation the customer did n't had, the way I explained to this bad supervisor called XXXX. Please read the online chat transcript and see the 2 letters included for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: LA
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:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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: Old information reappears or never goes away

Complaint:
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$11.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$11000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX Collection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: MO
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:
The collections account from XXXX  XXXX XXXX  that you are reporting does not belong to me. I have already contacted XXXX  XXXX XXXX  to remove me from their system and for this in accurate account to be removed from my reports. I was a victim of ID theft 6 yrs ago and I work hard to get my reports as accurate as possible. There is a fraud alert on  my reports and no credit of any kind should be extended without my permission and signature which I'm sure XXXX  XXXX  does not have because this account does not belong to me. The date of birth is also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Self Financial Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called self on XX/XX/2022 after trying to keep up with my loan. I explained I am currently experiencing hardship. I asked to close my account and receive a refund of monies sent ( {$600.00} ), I also asked about negative reporting. I was told that due to hardship my request would be approved, I would receive a check after 15 business days and no negative reporting would be made. However, I never received the funds and I was reported negatively. I called again. I spoke with a rep who advised he could not cancel a payment. I did not call in for this reason so clearly the rep did not understand the reasons for my call. I did reiterate the reasons he then claimed I would be charged and would only receive a refund of {$400.00}. When I questioned the difference again he did not know why. I am going through hardship this is very frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
They would try to agressively collect money from me over the phone. I paid them all of the money I owed. They would n't work with the repayment arrangement and I have derogatory information on my credit 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 2017-07-22
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I tried for 4 months to get a forbearance or an income based repayment plan. I sent in the paper work needed and for four months they kept telling me that I needed different paperwork to be completed. In the meantime, my student loan went into default because they kept jerking me around when I was trying to keep it out of default. The IRS ended up taking my 2016 refund because Navient allowed my student loan to default thru the never ending process of an income driven repayment plan. I ended up calling another student loan service called XXXX to consolidate my student loans and to get them out of default. Navient ruined my credit and also took money from me. I feel I am entitled to a refund because of their negligence and incompetence.

Company response to consumer: Closed with explanation