BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: Earnest Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My daughter refinanced her XXXX XXXX Student Loan with Earnest with a loan approval date of XX/XX/2020. Earnest was supposed to payoff XXXX XXXX by XX/XX/2020. 

On XXXX XXXX she received notice from XXXX  XXXX  that she was in arrears on the loan. She inquired with Earnest via phone found that Earnest had a batch of checks that did not clear the bank and had to be resubmitted. Ernest had not contacted her about this delay. Previously they had told her that her XXXX XXXX  loans had been paid. Her accounts with Earnest reflected that everything had been paid and disbursed to XXXX  XXXX.

On XX/XX/XXXX she received notice from XXXX XXXX that Earnest still had not received a payoff from Earnest and that I was 60 days in arears on the loan. To this day, Ernest has not contacted XXXX XXXX to take responsibility for the error. This is now affecting both her and my credit score ( as her co-signer ). 

Although Earnest paid XXXX XXXX as of XX/XX/2020, my credit score has not changed. I am respectfully requesting that you investigate Earnest and 1 ) request they contact XXXX XXXX Education Financial Services and take responsibility for the lateness of the payment and payoff, and 2 ) instruct earnest to request XXXX XXXX request a rapid rescoring of XXXX and my credit with each of the three credit bureaus. 

Please note that this new dispute relates to closed CPFB Cases XXXX and XXXX. 

XXXX XXXX Student Loan # XXXX XXXX XXXX Case Numbers XXXX and XXXX Earnest Request Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to adjust immediately : XXXX XXXX XXXX  XXXX XXXX Balance {$2300.00} ; DEPT OF ED/XXXX XXXX Balance {$160000.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX  XXXX XXXX XXXX Balance {$1100.00} ; DEPT OF ED / XXXX XXXX Balance {$160000.00} ; DPT ED/XXXX  XXXX Balance {$160000.00}.

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 2022-01-11
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX Santander Consumer USA sent me a response letter through the CFPB stating my account was under a cease and desist. 

On XX/XX/XXXX I received two letters in the mail, one dated XX/XX/XXXX threatening repossession. 

Regardless of payments received monthly and never 30 days past due. 

The second letter dated XX/XX/XXXX stating they will not respond to my concerns moving forward. 

Both of these letters received on XX/XX/XXXX are in Violating of a cease and desist order officially placed XX/XX/XXXX. 

15 USC 1692 ( a ) ( e ) CONGRESSIONAL FINDINGS ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 

A cease and desist order communicates to a person or company to stop engaging in illegal activities and if they do not comply by the order they will face penalties such as fines or jail time. 
Santander is in violation of a cease and desist order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
Talked with a Chase representative in XXXX of 2017 about the mark " Bankruptcy Dismissed '' that is continuing to be reported on my XXXX Credit Report after 10 years. The Chase rep. assured me at that time the matter would be investigated and removed. In XXXX of 2017 I received a latter from Chase dated XXXX XXXX, 2017 stating " We asked the four major credit reporting agencies ( XXXX, XXXX, XXXX and XXXX ) to remove the reference to Chapter XXXX bankruptcy on your credit profile. '' However, XXXX has failed to comply. I have certainly spoken with both a XXXX Rep. and Chase rep. on XX/20/2017 about this matter. Chase instructed me to take this matter up with XXXX and XXXX has instructed me to take this up with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed a account on my credit report I do not recognize and also a few unauthorized credit inquiries

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 2017-10-19
Company: AES/PHEAA
State: GA
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:
In XXXX my loans were put into forbearance without my request. Now interest during that time was capitalized on the loan. I had submitted forebearance/deferment application at the end of XXXX but that request was only made once. I continued to make payments during this time. Im on a paye program. All of my loans are fed loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: Collectibles Management Resources
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: Old information reappears or never goes away

Complaint:
This creditor is trying to collect for a account from the year 1995 and is still trying to resue me and has stated that they have proper response to serving me the acct info and that isn't true because I have never received any paperwork on this acct. Then they company is changing the name Everytime they re-enter the judgement against me in the court order totally different court case numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: VA
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:
To whoever it concerns my name is XXXX XXXX I am seeking litigation for the violation for Not following the the codes 15 USC 1681 section A 15 USC 1681 section 604 A Section 2 For the accounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs XXXX XXXX Equifax are not honoring my request for the law code set in place for me.. There giving me stall tactics.. In your database you can see all the complaints that I sent to you and none of them been honored by law please look into this matter for me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: LOBEL FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have disputed this account numinous time due to the fact that this account does not belong to me! I never open a account with you guy or any one in this company its been month since this been reporting on my credit report and at this time Im ready to take the final action if this account is not removed by the end of this month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Ocwen Financial Corporation
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:
Ocwen Loan Servicing sent me a letter dated XX/XX/XXXX, stating : As of XX/XX/XXXX, you are 3264 days delinquent on your mortgage loan. Your account first became delinquent on XX/XX/XXXX. 

I agree that the last payment I made on the mortgage account they purport to service was XX/XX/XXXX, so the date of first delinquency is XX/XX/XXXX. 

Last month, Ocwen made the following statement in a letter : Our records indicate that on XX/XX/XXXX, we have processed adjustments and rolled the due dates from XX/XX/XXXX to XX/XX/XXXX in order to apply the funds toward the interest and escrow only. 

My position : Any adjustments Ocwen processed to my account on XX/XX/XXXX have no bearing on the underlying fact of my last payment date and the date of first delinquency. I made no payment after your XX/XX/XXXX letter, and therefore the date of first delinquency remains XX/XX/XXXX. 

Ocwen appears to have created unilateral adjustments for the purpose of bringing forward the date of first delinquency, so that they can continue to report this account. Its CRA reporting is illegal under FCRA Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), and willfully fraudulent. The following guidance provided by the Federal Trade Commission supports my position : If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the creditor. FCRA 623 ( a ) ( 5 ) ( A ) This date of delinquency determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. 

[ Y ] ou have legal obligations under the FCRAs Furnisher Rule. Your responsibilities include furnishing information that is accurate and complete, and investigating consumer disputes about the accuracy of information you provide. 

As a rule, its illegal to report information that you know or believe is inaccurate. You have reasonable cause to believe that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, my name is XXXX XXXX. I just opened my XXXX account yesterdayXX/XX/XXXX. My account was verified through jp Morgan Chase and now my XXXX XXXX account States that my bank is not participating. I just request to cash out {$40.00} onXX/XX/XXXX. Now I wish to know where will my money go and how can I rectify this situation asap. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Experian is reporting on my credit report false information i have sent them letters and they keep putting it back on my report the are in violation of the FCRA!!! i only have a car on my report nothing more!! i want to discover card deleted permanently!!!!!!! 
i will not rest i also want to sue them for violation of the FCRA!!! delete now!!!!

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 2017-10-20
Company: AMERICAN EXPRESS COMPANY
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:
On XXXX XXXX, XXXX I called XXXX to inquire about the process to add an additional card holder to my account. I inquired about if there would be a hard inquiry placed on my credit report by adding another cardholder. I asked this question by phone, as well as by Online Chat agent. Both representatives told me that XXXX does not run credit checks when adding an additional card holder. I explained to both representatives that I would not be willing to add anyone as an additional card holder if it would affect my credit and/or credit score. I was assured by both representatives that there would be absolutely no impact to my credit file. After hearing this, I proceeded with completing an application to add an additional member to my card account. Two days later, I received a credit monitoring alert that my credit file had been accessed by XXXX. When I called XXXX to inquire why they would pull my credit report without my authorization, they explained to me that the XXXX representatives had failed to communicate the possibility of pulling my credit report due to a Fraud alert being on my file. This made no sense to me. XXXX representatives ( a total of 6 ) apologizes for the miscommunication but said I would have to contact XXXX to get it removed. XXXX informed me that only XXXX could request it be removed. XXXX intentionally deceived and pulled my credit report and decreased my credit score-all WITHOUT MY KNOWLEDGE OR CONSENT. XXXX also refused to correct their mistake. XXXX tried to offer me ANOTHER credit card to rectify the situation in which I told them I would not accept as adding an additional credit card would hurt my credit file even more. As a result I will be closing my accounts and also sharing my experience on social media so no one else is deceived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Global Lending Services LLC
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:
Late payments dates on my credit report are not accurate they have been put in wrong while my account with lenders are current

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2021 i got a email PDF from mr cooper stating that they addressed my complaint when i said they were falsifying information in relations to a XXXX modification. The letter and the XXXX enclosures are not representative of the EXACT situation there are multiple XXXX singed on different Years used to respond to this specified complaint there are multiple income sources that are attributed to Other modifications that were used to respond to this XXXX situation in which i was was referring to were Documents were kept and i was penalized for untimely filling or they needed more documents or it was because of affordability. The sheer disrespect of the law and magnitude of what this could represent is ALARMING. I CANT BELIEVE TAX MONEY IS GOING TO A FED ENFORCEMENT AGENCY THAT ACCEPTS BLANTANT MANIPULATON!!! look at all my complaints i know ive rambled etc but ive always referred to one specific instance and then would say this has been a ongoing situation. Now its right there in plain view they LIE and said its backed by XXXX /CFPB because they just reproduced documents that they always have had only to deny me when it suited their purpose .... when its affordability they claim i don't file on time when im referring to timeliness and produce proof then it its missing documents when i show that the docs weren't missing then i have to resign cause they need a new signature or they lost a upload on their server or affordability etc.. THIS IS MADDENING THIS IS A NIGHTMARE ... documents were never missing or lost unless they wanted it to appear that way!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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 information incorrect

Complaint:
XXXX XXXX reported that I opened a credit card account XX/XX/XXXX with XXXX stating that I owe XXXX. They then reported to Experian and XXXX that the account was opened XXXX and that I owe XXXX. Ive sent out letters reaching out to them since XX/XX/XXXX and they have no corrected and removed these fraudulent reports from my account.

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 2017-10-20
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I negotiated a settlement a XXXX XXXX XXXX XXXX for a judgement against me from XXXX which resulted in a lien being placed against my property. 

XXXX XXXX XXXX received payment in full on this settlement on XXXX XXXX, XXXX. I was told that within 30 days I would receive a satisfaction of judgement and that the lien would be released. In a letter I received from them on XXXX XXXX, XXXX they state : " Upon receipt and clearance of your payment ( s ) for the settlement amount, no further attempts will be made to collect the remaining balance. XXXX XXXX XXXX will submit a request to the attorney of record, or its appointed entity, to file a satisfaction of judgement with the In The Metropolitan Court of XXXX XXXX, NM and release any lien ( s ) that may be associted with Docket XXXX. '' I have contacted XXXX XXXX XXXX multiple times requesting a status on the satisfaction of judgement and each time I 'm given a different story and they refuse to product the document. 

After 30 days they still have not issued the satisfaction of judgement and will not give me an answer as to when they will produce this document and remove the lien from my property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 noticed that a reporting agency has been reporting a debt to the  XXXX  credit bureaus that is not mine. When I contacted the company, they can not tell me how this happened nor do they see anything related to my name on this account however we share a social security number which is impossible. The original account was opened  in 1991 at w hich time was only  XXXX   years old. Th is person is not a family member or a friend of my family. The only commonality between us is that she lived in the apartment I currently reside in.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
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 acordance with the fair credit reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OR XXXX. 

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 state a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Recorded the following scam text from the following number XXXX You just sent XXXX a payment of {$10.00} USD. If you think you didn't make this transaction, Log in to PayPal '' XXXX XXXX XXXXXXXX '' PP-ID : XXXX This is a fraud and phishing scam

Company response to consumer: Closed with explanation