BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: 3rd Generation, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
the issue has been going on for over a year now my truck hasn't showed up on my credit report but they call harassing about a payment and hasnt fixed my account but how the reps and even managers has talked too me incorrectly and using unprofessional setting now future the truck has not popped up since I first brought it the last year and half it hasnt been reported too my credit score but the company said oh we might have the wrong numbers which credit score you looking at and then tries too get me to say my ssn so they can finally put it on my credit plus each time i talk too them my account balance always changing they never disclosed anything with me but try and say why cant you afford the truck try too threating me with repo and im never XXXX or even close too it not even 60 days late but i have no information from California Auto Finance they cliamed too have sent things in the mail that never come

Company response to consumer: Untimely response
Consumer complaint received 2022-08-19
Company: Law Offices of Robert A. Schuerger Co., LPA
State: KY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Schuerger Law Firm out of XXXX Ohio says the XXXX representing the Ohio Attorney General. They took XXXX out of my bank account today ( XX/XX/2022 ) after I emailed them and told them I had just started back to work and would be able to start payment to them XXXX XXXXI asked for the info I needed to set up an online account and make payments anytime I had extra money. I was given the information and set my account up with full intent on making a payment XX/XX/2022. I had been out of work for a while and had to catch up on utilities and obtain a vehicle to get back and forth to work. I made this clear to them. The representative, XXXX XXXX, has threatened me with criminal charges, garnishment and more. I can not even speak to him because he over talks me and is rude. I am doing everything I can to pay this debt but I also have to keep my utilities on and food and gas going. He has called my job and released info he should not have. He has called me multiple times a week and harassed me at my job. I would have to send a call log to even show how many times I have been called because there are too many dates to count. I've been called a liar, told to ask my family for the money, told to sell things that I don't even own. He is literally going to make me have a nervous break down. I don't eve believe I owe as much as he is reporting. This is the contact info I have for this law firm. 
XXXX XXXX Law Offices of Robert A. Schuerger CoXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Direct Dial # XXXX Main # XXXX x XXXX Toll Free # XXXX x XXXX Fax # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
SOMEONE HAS TOOK MY INFORMATION AND OPEN UP SEVERAL ACCOUNTS WITHOIT MY PERMISSION WITHOUT MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: T.S. Holdings
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I started to work on my credit and when i pulledmy reports I noticed a collection account for I Q Data Internation. I sent in dispute letter and they sent me back a list of items that they say i owe for. When i did the final walk thru none of these items were a problem, now they claim I owe them XXXX. I do not know how they came up with this amount mainly because they said the carpet needed to be replaced and that is simply not true.. I ould like proof that they needed to changed out the carpet because of something I did..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying my student loans monthly under the IBR plan for 7 years. When I certified my loans with my employers, a new provider, XXXX XXXX, took over my account. They have only given me credit for about 2 and a half years of payments. 

When I call they tell me my file is under review, but that I have been paying for about 7 years. They claim it will take 3 months to finalize the process and correct my account. I call monthly and no progress has been made since XX/XX/2017 ( 15 months ). They give me the same line every time. I am always very courteous on the phone as are most of the customer service reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
Federal Rule of Bankruptcy Procedure XXXX requires that certain personal identification information be redacted from documents filed with the court. This makes it impossible for them to verify the Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Innovate Managed Holdings, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I called my loan company to dispute inaccurate credit reporting, and the company name is Innovative Loan Servicing ( XXXX XXXX XXXX XXXX ). I have an auto loan with them for my XXXX XXXX XXXX. XXXX XXXX is the only credit reporting agency with a record of the account open in my name but no payments have been reported on the account since XXXX of XXXX. XXXX and XXXX have no information reported to them about the accounts current and past status, and they can not intervene with a dispute on my behalf without a report submitted to them from Innovative Loan Servicing regarding my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I called my loan company to dispute inaccurate credit reporting, and the company name is XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I have an auto loan with them for my XXXX XXXX XXXX. XXXX Equifax is the only credit reporting agency with a record of the account open in my name but no payments have been reported on the account since XXXX of XXXX. XXXX and XXXX have no information reported to them about the accounts current and past status, and they can not intervene with a dispute on my behalf without a report submitted to them from XXXX XXXX XXXX regarding my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I received a text message that appeared to come from Chase Bank asking if I recognized a transaction via zelle. As I had not used XXXX recently I replied NO and then immediately received a phone call from the chase bank number on the back of my debit card. The man on the other end stated that there had been two attempted fraud transactions on my account and that he would help me reverse them. He walked me through my last few transactions and verified that they were correct ( he had my bank info obviously ) he then said that in order to reverse the charges I would need to send a wire transfer and a zelle transfer to myself to reverse. He had answers for all of my questions and all of my info so I had no reason not to trust him. He had me send a {$900.00} XXXX to a phone number that was provided via text from the original chase number that sent the fraud-check text, then he had me send a wire transfer for {$1900.00}. Here are the transactions on my account history, they even had me use my name with XXXX so it looks like I sent the money to myself but I did not : ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX A/C : XXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX XX/XX/XXXX Outgoing wire transfer - {$1900.00} Pending XXXX PAYMENT TO XXXX XXXX XXXX debit - {$900.00} XXXX immediately contacted Chase regarding the fraud and they opened a claim but have now closed it saying they have completed the investigation and the transactions were authorized. I filed a police report and a report with the FTC. Chase appears unwilling to work with me or credit any of my money back despite the scammers being clearly involved with Chase somehow as they were sending text messages and calling from the chase number and had full access to my account history. I really need that money back as it was my rent and tuition money for XXXX. 

I am attaching the police report I filed as well as the screenshots of the text and phone calls I received. Also worth noting is that I was on hold for 2 hours before chase even began discussing the issue with me and I had to call from another line to get them to take my call finally. So far they have just told me to send secure messages which they then take days to respond to and have now closed my claim without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: TX
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:
I have made many complaints/disputes about XXXX reporting error and unfair information on my credit report. Experian has conduted superficial inquiries regarding this matter. I have asked repeatedly for Experian to conduct a reasonable investigation regarding an inaccurate late XXXX 2021, due to creditor 's lack of notification. Proof of payment coupon/notification was sent to a wrong address. Which resulted to the creditor not properly notifiing me. Supporting/Proof was sent and attached via mail.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2022-06-21
Company: Michigan Mutual, Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This all began in early XXXX when I received the letter concerning my Mortgage increase. They included my water bill in which I had explained that I had paid and wanted them to review it without out the water bill on my taxes. They requested for me to email them the information in which I had done. I had called 3 times prior to XX/XX/XXXX concerning not receiving my bill. They promised that they sent it, I explained that I was leaving on vacation and wanted to pay my mortgage prior to leaving on the XXXX. Finally they sent me my bill on XX/XX/XXXX. Mind you I was out of town and now my payment was late. When I came back I notice the bill and called right away. We mailed the check out that same day. They stated that there is nothing that they can do as the XXXX was the deadline. I kindly reminded them of all the calls that I had prior and needed for this to be reviewed. I was asked to call back and that they will only waive 1 late fee for the entirety of my loan in which they stated I can ask for this to be reviewed. Mind you I had been waiting now since the beginning of XXXX for them to review my taxes. I asked about this and was told that oh I see the email, but nothing has been done I would need to call back. I have a job! I have spent more time on the phone with the mortgage company than I do my own husband. I called the next day and they never ordered for the review and now it will take another 15 days. So I call on XX/XX/XXXX to make my payment for XXXX as they still had not processed my check from XXXX. They asked for me to cancel the check and call back to make the payment. I call today on XX/XX/XXXX to find out that they applied my XXXX payment to XXXX making me now 2 months late on my mortgage. This is all their issue and I want this all to be rectified and for me to now be compensated for doing their JOB. This has been the worst company that I have ever dealt with!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account # 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 2023-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
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:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2020-04-16
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My wife and I are long time Chase customers. We have a checking account and three savings accounts with Chase. We also have three Chase credit cards. On XX/XX/2020, at the request of a seller, my wife and I initiated a transfer of {$770.00} through the Chase App. On the Chase App there is an icon for QuickPay with XXXX. There is nothing on the Chase App stating that Chase would not support a customer in challenging a QuickPay with XXXX transaction or that Chase 's QuickPay with XXXX is not afforded the same protections as any other transaction through Chase. A couple of hours after the transaction was initiated we discovered that the seller was running a scam and that we would never receive anything from the purchase. At that time, the transaction was still showing as pending on our account. We immediately attempted to notify Chase of the fraudulent transaction and ask that it be reversed. Because of COVID-19 Chase 's fraud department was not operating on Saturday, XX/XX/XXXX or Sunday, XX/XX/XXXX. As a result, instead of having someone being able to assist us we had to send an e-mail to Chase through its e-mail system. At that time we provided Chase with the information it would need to contact the receiving bank to challenge the transaction. In response we received an e-mail stating that due to increased volume we could expect a delayed response of a week or more. On Monday XX/XX/2020, we attempted to call Chase 's fraud department. At that time the transaction was still showing as pending on our account. After being on hold for 4 1/2 hours, we were finally able to speak to a representative in the fraud department. The representative informed us that Chase was not going to contact the receiving bank and it was not willing to assist us in attempting to recover our money. The problem is that other than the receiving bank account ( which has not been shared by Chase ) we do not have any other valid information that could assist us in pursuing the fraudulent seller. We continued to follow-up through the secured message center. Then on XX/XX/2020, Chase informed us that it was denying our claim because the transaction can not be recovered by the bank without further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/24 I used a debit card with PayPals Bill Pay service for {$990.00}. PayPal accepted the transaction and charged the debit card, but did not send the payment to my vendor, XXXX XXXX XXXX XXXX. PayPal has a transaction ID which they claim is proof that the transaction was successfully completed. The vendor has not credited my account. I've contacted the vendor several times and they have not received the payment from PayPal. I've used PayPal to make similar payments quite often without issue. I've tried to resolve this issue multiple times with PayPal but all have been unsuccessful. The case I opened with PayPal was # XXXX. PayPal closed the case stating the transaction completed successfully. I appealed it and they closed the case again with the same response. On XX/XX/XXXX I initiated a 3 way call between PayPal and XXXX. The XXXX representative explained that they investigated extensively and did not receive the payment from PayPal. The PayPal representative used this information to re-submit the case with a new reason code. On XX/XX/XXXX, I was notified by PayPal that my case had been denied again based on the merchants response and the information we have to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: SC
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:
There are inquiries that I do not recognize. Please see the attached form.

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There are inquiries that I do not recognize. Please see the attached form.

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 2022-06-21
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Navy federal has messed up both my business and personal accounts on several occasions. The most recent was an issue with my business account where transactions aren't shown in real-time. The check and each transaction that are returned do not show up on your account and you are notified three days later not leaving the bank account holder any room for errors. I was told that I needed to get a letter stating that the transaction was unauthorized and that they would refund my fees. I provided the letter and only one fee was returned as of this date. The company previously made a mistake with another disputed transaction that cost my business XXXX dollars. If this is not resolved we will file suit against Navy to settle our disputes with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief