BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-03-28
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:
There is a XXXX account on my credit report, showing on my XXXX, XXXX and Equifax. The amount is {$170.00}. I have no knowledge of this account. This was fraud. 

I contacted XXXX and they were able to do investigation and find out that the account was indeed fraud. They emailed me a letter and states the account was fraud and not mine. 

XXXX said they will reach out to credit bureau to remove this incorrect information but it is still reporting on my credit report. 

I am attaching the letter I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a XXXX account on my credit report, showing on my XXXX, Transunion and XXXX. The amount is {$170.00}. I have no knowledge of this account. This was fraud. 

I contacted XXXX and they were able to do investigation and find out that the account was indeed fraud. They emailed me a letter and states the account was fraud and not mine. 

XXXX said they will reach out to credit bureau to remove this incorrect information but it is still reporting on my credit report. 

I am attaching the letter I received.

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 2015-06-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage through House Hold finance Member of HSBC Group. I am wondering if I qualify for some kind of relief due to predatory lending practices? I have paid this company approximately {$110000.00} since XX/XX/XXXX-XX/XX/XXXX. I still owe {$66000.00} for a property that is assessed at {$69000.00}. I have no equity built up so that I could refinance with another banking institution. No one will help me get away from this lender. The local branch office closed years ago. There is no one to contact any longer. I think the home office is in XXXX. I really do not know.The last time I spoke with someone, it took weeks because I had to use regular mail. The phone numbers on my statements only lead to menus and not a person to speak with. The web site is a joke of looped links that offer no help.They told me that I can not refinance with them any longer because there is no equity. ( No kidding! They absorbed it! ) Are you able to direct me on what to do? I do n't want to lose my home and am close to retirement ( XXXX years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Debt was reported to the credit agency, no contact information. I then received a phone call the caller did not identify himself just the agency he was calling from and reason for the call, I inform him that the insurance company paid the debt and I was not responsible for the entire amount just {$57.00} copayment. He then proceed to tell me how embarrassed I should be and I could be sued and my wages garnished if I did not pay. Or if I wanted to have the derogatory mark on my credit for 7 years he would see to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Carvana Group, LLC
State: CA
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 filed disputes in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: DISCOVER BANK
State: CA
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 filed disputes in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I applied for a Chase private student loan back in XXXX for {$10000.00}. After graduating a started paying for the loan and my payments were very flexible. At the moment, I could n't afford making higher payments so I was only paying around {$70.00} a month. Years later, I received notification from Chase saying that they were no longer going to service that loan, and that all student loans would be transferred to XXXX XXXX, and I had to make payments directly with them. It did n't mention when the transfer was going to happen, but they were just informing me about the future changes. I continue making my payments as normal through Chase website. I went through a hardship in XXXX of XXXX and was not able to make that month 's payment but I was ready to submit my 2 month payment in XXXX of XXXX when I realized Chase online payment system was no longer working - I logged in to my account at XXXX Success to see if the loans where already there and still did not see the loan in there. There was no option for me to submit my payment. I called Chase Private loans and they mentioned the transfer had happened and that they no longer serviced those loans, to please contact XXXX. I contacted XXXX and they told me the transfer of loans was currently happening and it would take a while to reflect in the new website. 
Days passed and got a letter from Chase telling me that I was in default of that specific loan, and provided a number for me to contact them and settle the situation. I called the number, gave them the account number, and they said they had no information at all about a defaulted loan, and advised me to contact XXXX to get more information. I called XXXX and got the same answer, there was no information on any defaulted loans. In XXXX of XXXX I got another letter in the mail from a different company name telling me they where going to take action against me. I called the number and they finally got my information on the defaulted loan and made me setup a 6 month payment plan of {$200.00} a month to cover the defaulted loan. Today, every 6 months I have to setup a new ACH with them to collect $ 200 monthly. 
I just found out about this agency and decided to contact you because I believe it was not my fault. I did miss one payment which I was ready to cover the following month, but because of their transfer of loans I was n't able to. Chase and XXXX did n't provide me any information about the defaulted loan until this other company contacted me threatening me to take action against me. Today, Im stuck paying a {$200.00} a month payment until the XXXX balance is covered. I will pay them everything back, but I wish to get my payments lowered as to what they were before this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The last payment on my toyota vehicle loan was due XX/XX/2022. I had set up payments with XXXX XXXX XXXX to pay the loan on time every month. I never worried that the payments were late or unpaid because they were automatic. The payments were set up with my bank to go out on the XXXX of every month. I paid in good faith, monthly and assumed that all payments had been made in a timely manner. I was not aware that the last payment had been missed until it was too late. If I had been aware of the missed payment I would have, of course, paid it within the grace period as I had sufficient funds to pay. I was not making any attempt to avoid payment. However, Toyota 's attempts to contact me fell short of what I would have expected. I did not receive any written communication from Toyota. They told me they attempted to contact me by phone 3X. I will not answer my phone if I can not identify the phone number because of the large amount of spam calls I receive, and the first 2 callers did not leave a message ( thats their policy ). The third call made it through to me on XX/XX/2022, 4 days after the end of the grace period. When the agent informed me that the payment was late, I made the payment immediately. That was the last payment of the loan, and I was now PAID IN FULL. I had already been reported to the credit bureau before I even spoke with anyone from Toyota and Toyota did not inform me that I had been reported to same.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
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: Public record information inaccurate

Complaint:
I disputed the tax liens that 's on my file on  3  different occasions as being incorrect asking for verification and validation. Equifax told me to contact the court house whom responded with a letter stating they do n't report to the credit bureaus. I sent a certified copy to Equifax and  XXXX  with a redispute, they responded with i need to contact the IRS. After contacting the IRS their response was the information is incorrect and they do n't report to the credit bureaus. Once again i sent a certified letter to the bureaus with the IRS response and ask that since they have not sent me any type of verification or validation to please delete the information from my file.  XXXX  have not responded ( even though its been over 30 days  )  and Equifax stated that they recieved the information from  XXXX   XXXX . At this point I feel as though i 'm getting the run around and nothing is being done. It 's very frustrating and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: HOVG, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company named Bay Area Credit Service is purchasing false debts from fraudulent companies that are selling false debts on medical patients, in my case specifically " XXXX XXXX '' their urgent care system " XXXX XXXX XXXX. Have made contact with Bay Area Credit Services on XX/XX/2020, and they no longer have my name in the debt records, however they are still trying to collect a debt that is not owed, and stated " I do not have you in any of our databases, so I can not tell you how much you owe or who the original creditor was that we bought the debt from. '' Shortly after prompting me to give them my Social Security Number. '' This company executing fraudulent practices could not be any more obvious. 

How can these types of predatory business practices be allowed to exist? XXXX  XXXX has a known lawsuit against them please see link below : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My ATM card 's expiration date was XXXX 2014. When I did not receive my new card by mid XXXX Istopped in XXXX branches over the course of two weeks, XXXX XXXX XXXX, XXXX XXXX and XXXX. I never requested over-draft protection, but I received this letter rejecting my application. When Iinquired about this issue, the XXXX XXXX XXXX explained that over-draft protection isautomatlcally applled for when you renew your ATM card. I have never had this happen before and I'vebeen banking with you for at least eight years. I was also told that a credit check was not done, but that was not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Professional Credit Management, Inc
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Professional Credit management to pay to delete a debt on XX/XX/2021 and made the payment online.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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:
Credit bureaus are in violation of my rights and are REFUSING TO CORRECT the issue. In accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXX Acct # XXXX My next steps will be to FILE A CIVIL SUIT against them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was unable to make an online payment to my car loan with XXXX XXXX because their system was not working properly despite multiple attempts. See the provided screenshot taken at the time of the incident. Consequently I was marked as a late payment for XX/XX/XXXX.

PLEASE NOTE : The XXXX data are reported one month behind, therefore this inaccuracy is shown as XX/XX/XXXX instead, while the XXXX and TRANSUNION show 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 explanation
Consumer complaint received 2022-08-31
Company: CITIBANK, N.A.
State: VA
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:
I opened a Macy 's credit card in XXXX or XXXX of this year, so I could buy my wife a gift. I never received the card in the mail. I got a notice from Macy 's about a past-due amount in XXXX. I called and spoke to a Macy 's rep on their line, and I spent about 30 minutes on the phone on XX/XX/XXXX, to pay the balance due. I paid in full, and they negotiated a slightly lesser amount of interest and penalties. They assured me I was paid in full. This week ( XX/XX/XXXX ), I got a bill from Macy 's for {$50.00}, due on XX/XX/XXXX. This, for the account they assured me was paid in full, on the XX/XX/XXXX phone call to them. I called the Macy 's number at XXXX on XX/XX/XXXX, and got a rep who told me I now owed {$52.00}, with late fees. I explained that I had called them, and had paid my bill in full. She admitted that the previous clerk had neglected to remove one penalty charge, which triggered the bill. The clerk agreed to charge me 'only ' a {$5.00} penalty. I told her my account was supposed to be zeroed out on my XX/XX/XXXX phone call, but she said I still owed {$5.00}. I paid, using my debit card, and I cancelled my Macy 's account on that same call. This is a very shady practice, and Macy 's should be punished.

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 monetary relief
Consumer complaint received 2018-06-05
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen has been over charging me escrow fees since XX/XX/XXXX. My property taxes were {$6500.00} in XXXX, but Ocwen charged me nearly {$9000.00} in property taxes. My home owners insurance was {$200.00} per month in XXXX, but Ocwen charged me {$280.00} per month. In XXXX my taxes went down to {$2500.00} per year because I reached age XXXX, but 0cwen continues to charge me {$780.00} per month. I have complained in multiple occasions and to date  nothing has been done. I need relief and a lower monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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:
XXXX XXXX XXXX Balance Owed : {$19.00} - I am a victim of identity theft and this is not mine. 

XXXX  XXXX XXXX Balance Owed : $ XXXX This account does not belong to me. It was caused by fraud.

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 2020-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : CAP1/WMT XX/XX/2020 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX keeps reporting Portfolio XXXX ... XXXX dollars on my file. I keep contacting them about this problem and it is till not worked out properly. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My wife had XXXX accounts with XXXX and closed both accounts and they were reported as closed and paid on time. However, on my Equifax and XXXX it is showing a 30 day late that never happened. I am attaching my XXXX that shows it paid ontime/closed and then my wifes reports showing no late payments ever. I was an authorized user and have been told that it has to go through the main person, however her reports are accurate so no dispute can be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/XXXX I discovered my card would not go through at 3 different locations so I called us bank focus prepaid card they asked me if i returned a purchase to XXXX  XXXX XXXX  and I did so they said that my card was inactive because the credit raised a red flag the credit is only XXXX $ I asked them how does a credit raise a red flag they said the credit should of went on another card and not the focus card because the focus card was not the original form of payment. I told her I asked the worker which card it was and she said the last 4 numbers on the card which i think the worker got confused. So the US bank rep said i needed to send in proof of purchase from the store I have sent in this receipt several times and US Bank keeps telling me check back in 4 hours then check back in 2 days basically I am getting the run around since XX/XX/XXXX. Every-time I call they tell me they didn't get the receipt and I have all my confirmation emails that said it went through successfully. I have my whole paycheck on this card and I would like to get my money off of this card because I have a bank account I dont need this pre- paid card. I have talked to every bank rep and they all keep saying just anything to get me off the phone and this is not fair they are holding money.

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