BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-13
Company: Student Assist Plus LLC
State: IN
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I saw an ad on Facebook that a friend posted saying this company could help reduce my student loans and after I paid monthly payments for 30 months my loans would be forgiven. I signed up. For the first 3 months I paid {$150.00} and then after that I paid XXXX a month. I had to renew 2 times so I could still be enrolled in the program. I got a call from my loan provider that I was behind and we need to solve this, I said no I 'm in a repayment plan through this other company each month I pay comes out automatically through my checking account. The lady from the loan company said no you have n't paid since last XX/XX/XXXX. I said where has my monthly payment been going and she said not to your current student loans. She said to call the so called company and have them stop payments or call my credit union. I did call both places. If my loan company had n't called me I would still be paying and my loans would stay and the same amount forever. I 'm glad that I answered that call. Documents I have attached are the contract I had to sign and complete before I could get help, and transactions saying I had paid but does n't say what it was paid to. Also is an email I get from payment company every month.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It is with great frustration that I write for the XXXX time to you. I have also done everything in my power to complied with SPS Servicing co. This is the XXXX time Sps confirms receipt of my documents and when I call again they are requesting same documents again. My attorney on record submitted a motion and it was just denied. Please hear me out. I want to resolved this problem. I am going through this for the past two and a half years. 
I want to keep my home. I went a head and did a forensic review. Apparently XXXX XXXX bankrupt and my note was in the bankruptcy. Where do I go from here? 
All I want is for SPS to come on with a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: ALLY FINANCIAL INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The phone rings 2 to 3 times a day, using different numbers on the caller ID looking for XXXX XXXX. When my mother finally spoke to some one asking for XXXX XXXX, she said no XXXX XXXX lived here then they asked for XXXX XXXX, again my mom said there was no one by that name at this number. The called said OK, thank you and hung up. The next day we receive a call showing ANOTHER TOLL FREE number on the caller ID looking for XXXX or XXXX XXXX. THIS is in reference to Ally Bank. No one in my family does business of any kind with Ally Bank. So far I see 3 different phone numbers being used.

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 2016-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX was reporting an error to the credit bureaus that my account was open, delinquent and had a balance. XXXX XXXX XXXX sent a letter to me and the XXXX credit bureaus on XXXX XXXX, 2016 correcting the error and explaining that my account balance should be XXXX, closed and not delinquent. Since then, the credit bureaus have continued to report it wrong each month which has killed my credit score, dropping it over XXXX points. I have disputed this account at least 5 times and the last time I faxed the copy of the XXXX letter as proof to the credit bureaus which opened another dispute. The dispute is now closed and Transunion is still reporting XXXX as delinquent, open and the balance keeps increasing each time it is disputed. I have an account with CFPB which includes this letter as my supporting document, refer to case number 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 2022-04-21
Company: EQUIFAX, INC.
State: VA
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:
CONSOLIDATED XXXX LOANS WITH XXXX XXXX. CREDIT REPORTS HAVE NOT BEEN UPDATED BY EITHER EQUIFAX XXXX OR XXXX CREDIT BUREAUS OR XXXX. MY ACCOUNTS FOR XXXX ARE STILL DISPLAYING OPEN AND CURRENT. ACCOUNTS WITH XXXX ARE PAID AND CLOSED. BALANCE NOT REFLECTING {$0.00} BALANCE FOR XXXX XXXX XXXX OR XXXX. XXXX XXXX XXXX ACCOUNT PAID IN FULL IN THE AMOUNT OF {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I don, t have any XXXX XXXX account since 2013!!!!??? 
I live since 2013 at XXXX XXXX XXXX XXXX XXXX XXXX NY and I live with my friend as roommate sharing the payment of her bill under name XXXX XXXX!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: VA
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 LOANS WITH XXXX XXXX. CREDIT REPORTS HAVE NOT BEEN UPDATED BY EITHER XXXX EXPERIAN OR XXXX CREDIT BUREAUS OR XXXX. MY ACCOUNTS FOR XXXX ARE STILL DISPLAYING OPEN AND CURRENT. ACCOUNTS WITH XXXX ARE PAID AND CLOSED. BALANCE NOT REFLECTING {$0.00} BALANCE FOR XXXX XXXX XXXX OR XXXX. XXXX XXXX XXXX ACCOUNT PAID IN FULL IN THE AMOUNT OF {$250.00}.

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 explanation
Consumer complaint received 2022-04-20
Company: KLS Financial Services, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dispute Alleged medical debt with KLS financial prior. They sent me a fast med form which break my hippa rights. I had insurance so they should have been covered anyway. This alleged debt was from XXXX. They had a collection on my XXXX since XX/XX/XXXX. They update it every mth as unpaid but it was an old collection and it states disputed. Since it was and old collection I left it however as of XX/XX/XXXX KLS have re aged the collection to say the date assigned was XX/XX/XXXX. This makes it appear as new collection thus hurting my credit and unfair. I have disputed it with XXXX but KLS are using unfair practices.

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 2021-01-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Booked a refundable trip through Chase travel. Could not travel to XXXX cause XXXX was not allowing Americans. We've tried to get our XXXX dollars back. No luck. Chase travel has since XXXX tried to get money back from XXXX air who best we can tell is insolvent. Disputes from Chase Bank says we can't dispute cause it is more than 180 days from the time of the flight. Chase travel never said this was an option until 2 weeks ago. Chase travel is waiting to hear from an insolvent airline to get approval to refund on our refundable tickets.. People need to understand that although these departments say chase the have nothing to do with chase Bank. Chase will not be responsible for mistakes that chase travel makes. No department at Chase will help us get our XXXX. You use a credit card for protection. Using Chase travel though Chase bank is no protection. Chase travel is not directly connected to chase we were told.. Chase won't cover looses secondary to covid even on refundable tickets

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 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 non-monetary relief
Consumer complaint received 2022-04-20
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2020-04-18
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
I NOTIFIED EXPERIAN AND XXXX XXXX XXXX XXXX THAT THIS WAS NOT MY ACCOUNT AND THAT MY SSN NUMBER AND ID WAS STOLEN SOMETIME BACK I DO NOT KNOW THAT CREDIT CARDS WAS APPLIED FOR IN MY NAME UNTIL I WAS LOOKING TO BUY A HOME AND THE BANK ALERTED ME THAT SOME ACCOUNTS WAS IN A NEGATIVE STATUSThey have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2015-07-13
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
There where Fraud on XXXX ( XXXX ) Credit Cards ; XXXX which was never activated by myself. 
XXXX XXXX XXXX Issued By Bank of New York and No. Pin requested or Card receivedCard No. XXXX BNY Mellon Florida for the sum of XXXX ( card No.was obtain through XXXX Fraud Dept. Activated XX/XX/2015Shell Fuel Rewards Card No. XXXX XXXX XXXXCard No. XXXX Never Activated in My Possession at the time usedCard used XXXX/XXXX/2015 thru XXXX/XXXX/2015 For the sum of XXXX XXXX Issued By XXXX XXXX Card No. XXXX XXXX XXXX XXXX in my possession. Card Used on XX/XX/2015 For the sum of XXXX Total XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: IN
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:
The credit bureaus say they have completed an investigation and have verified these inquiries. I have no idea how because these are not my inquiries. 
This is Inaccuracy and false reporting. And they are really hindering my credit report. 
TO WHOM THIS MAY CONCERN PLEASE HELP!! 

XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Miscellaneous XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - Mortgage Reporters XX/XX/XXXX XXXX Mortgage Solutions Mortgage Brokers XX/XX/XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2022-04-20
Company: EQUIFAX, INC.
State: IN
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:
The credit bureaus say they have completed an investigation and have verified these inquiries. I have no idea how because these are not my inquiries. 
This is Inaccuracy and false reporting. And they are really hindering my credit report. 
TO WHOM THIS MAY CONCERN PLEASE HELP!! 

XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Union 1 Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Miscellaneous XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - Mortgage Reporters XX/XX/XXXX XXXX Mortgage Solutions Mortgage Brokers XX/XX/XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I tried calling Discover Credit Card services to find out how they calculated my monthly interest rate. I know that it is now calculated based off 2 factors : your daily periodic rate and your average daily balance. I could not find out how they came up with the amount they provided for my average daily balance and called customer service for assistance. They could not provide how they came up with the number and I asked to file a claim. She said she would express my issue with someone higher up, but I still dont know how they came up with the amount and it was never explained. I will be looking further into my other credit card companies as well to see if it possibly exists beyond Discover. I just got off the phone with Discover as soon as I began writing this complaint. I believe millions of customers are being get XXXX XXXX by credit card companies and have been for longer than Id like to think. When they charge you an interest rate, it should be clearly explained on how that number was calculated. And I fee that you use be able to use the same formula, plug the same numbers they used, and get the exact same amount they did. If you cant, somethings wrong ; which could possibly mean they are overcharging interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Due to covid I am experiencing extreme difficulties with this debt I was in an accident on XX/XX/XXXX XXXX where I was struck by a car on the driver side of my Vehicle. My car was deemed a total loss, my insurance was actively pursuing the car that hit me insurance until ally finical closed my account and has written the account off as profit loss. I have sent Ally finical emails and letters to only get no response by the letters, no response by emails and to only to only get re directed to a 3rd party company by phone who now has my account for any answer in regards of my credit being affected and to pay off the account amount. Since Ally has written the account off as a profit loss they will not respond to be me and will not teat me like a customer I was before. I have paid my car note on time regardless of the car being totaled loss every month until my account was closed as profit loss by Ally When I contacted the 3rd party company XXXX XXXX, they insisted that they could not speak to me in regards of my credit and that I needed to pay them the remining balance. They offered me a settlement and told me that I needed to pay the settlement in order settle my account with ally. I have been trying to contact Ally directly and keep getting re directed by them back to this 3rd party company that is demanding me to pay almost XXXX in a settlement. I have recently paid XXXXXXXX XXXX  on XX/XX/2022 amount {$500.00} and on XX/XX/XXXX, to XXXX amount {$1000.00}. They have yet to send me any kind of receipt or email stating what I paid for nor the amount reflecting the changes. The only way I can see the payment is on ally finical account. I can not see the taxes or fees nor the contract of the settlement XXXX XXXX has written or charge me. I then told them that I will need to set up different or smaller payment arrangements due to covid. XXXX then told me my settlement would be voided and that the agreement would be off. Yet they continue to call but I am not allowed to speak with someone from ally in regards of my account being charged off and deemed a profit loss.

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 2022-04-20
Company: EQUIFAX, INC.
State: KS
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:
They didn't listen what I said to them went I talked to them on the telephone i told Equifax that they need to fixes both of of The back ground record and credit bureaus reports to didn't listen what I said to them on the telephone calls so I try to fixes my credit bureaus reports lots of times on the telephone call for a Yearly & or more or so And I try to solves All My problems with My credit bureau reports about ever things on my bad credit card account off My bureau reports & My back ground record and XXXX XXXX and XXXX XXXX credit bureau reports And XXXX XXXX credit bureau reports & XXXX XXXX back ground record to & I won't Equifax to fixes both of us credit bureaus reports XXXX XXXX and XXXX XXXX credit bureaus reports And XXXX XXXX back ground record to be fixed for back ground record and my credit bureaus reports to

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2010 I did not have an account with XXXX. I check with XXXX and they informed that there are no outstanding issues or invoices on my account. Based on my credit report, XXXX in XXXX, TX - ( XXXX ) XXXX is the collecting agency. I never had any contact with this collecting agency before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
First, I attempted to register with XXXX so I could monitor my credit but I was unable to successfully register due to " incorrect information '' error. Later, I attempted to get my credit reports from annualcreditreport.com. This too was unsuccessful and I fear that the credit bureaus may have my information wrong. 
Attached are documents regarding my identification. 
Thank you

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