BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: MI
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. 

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 



UNAUTHORIZED ADDRESSES : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Fraudulent collection Accounts : XXXX XXXX  Bankruptcy Account NumberXXXX Account Opened:XXXX Balance : $ {$0.00} XXXXXXXX XXXX XXXX  Account Number:XXXX Account Opened:XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number:XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Account Opened XX/XX/XXXX Balance : {$420.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$420.00} Unauthorized Inquiries : Inquiry Name : XXXX XXXX XXXX Inquiry DateXXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry DateXXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The loans began in XX/XX/XXXX, they are parent loans for my daughter at XXXX XXXX, and a few for my son at XXXX, Daughter graduated in XX/XX/XXXX, my son XX/XX/XXXX, both are now XXXX, My last loan was in XX/XX/XXXX, all have been consolidated into one. Since XX/XX/XXXX, I have begged for lower payments. I show I borrowed about $ 60K, I have paid back $ XXXX, and it shows I owe $ XXXX.
Each time I asked for a payment I could make, I got a forebearnce, at the time it was a relief, I now understand how bad that was, also, as a veteran, the SCRA says under 6 %.
I have written, talked to, emailed all the lenders involoved : XXXX, XXXX, XXXX, XXXX, XXXX and Navient- and I get no answers, I can not get a copy of loans, consolidations, I really do not know how much was borrowed.
Now, XXXX as the loan, and it just the same. At XXXX years of age, it will be soon when I ca n't pay anything, but, I would like to try and pay what I owe, however, the interest they say is crazy, going back to XX/XX/XXXX, it should have been adjusted and never allowed to get where it is now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased a watch from XXXX XXXX, who's parent company and the one who the card was charged under is XXXX XXXX XXXX XXXX, on XX/XX/XXXX in the amount of {$2500.00}. I returned the item via XXXX on XX/XX/XXXX. XXXX XXXX received the item on XX/XX/XXXX. I initiated my dispute with PayPal Credit on XX/XX/XXXX as I had not received any confirmation from XXXX XXXX on my return. On XX/XX/XXXX, XXXX XXXX sent me an email stating they received my item and another email on XX/XX/XXXX that they processed my refund. I received an initial credit from PayPal Credit on XX/XX/XXXX for the purchase charge. I thought everything was completed. I noticed that on XX/XX/XXXX XXXX recharged my PayPal Credit account for {$2500.00}. I was never given any notification that this occurred or that the dispute had closed. I found out when I went online a few weeks prior. I reopened the dispute on XX/XX/XXXX and contacted XXXX. According to them, XXXX stated they never received the watch back on XX/XX/XXXX so they closed the dispute. PayPal Credit never provided me with any documentation regarding this claim. When I reopened the claim on XX/XX/XXXX, I provided PayPal Credit with proof of XXXX return, proof of XXXX delivery receipt, Tag Heuer return email and refund email. On XX/XX/XXXX, I noticed that PayPal Credit closed the dispute again. This time they stated that on XX/XX/XXXX, XXXX stated they never received the item. On XX/XX/XXXX, I faxed a letter with the documentation I had provided previously, plus I provided a copy of the order section online which stated that XXXX XXXX returned my item, email correspondence with XXXX stating they have tried to refund the money since XX/XX/XXXX and have been rejected by XXXX due to a chargeback in progress. On XX/XX/XXXX PayPal Credit closed the dispute again. To this date I have not received any correspondence from PayPal Credit regarding my claim. The only correspondence I have is when I have called them and they have verbally informed me that on XX/XX/XXXX and XX/XX/XXXX that XXXX had stated they did not receive the watch. The only thing I can see is the dispute status online whether a case is open or closed, nothing else.

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: MEI AUTO FINANCE INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/XXXX I received a XXXX XXXX XXXXXXXX XXXX from MEI automax in XXXX XXXX for approximately {$17000.00}. I got the payments down to {$7600.00}. MEI automax added {$2400.00} to my loan which brought it up to XXXX. XX/XX/XXXX I called MEI and spoke with a lady named XXXX. She advised me to not worry about the {$2400.00} added to my loan because it shows in her system that I only owe {$7600.00}. I called again and spoke with a manager. He told me that I'm getting charged approximately 4-5 dollars a day of interest, that's why my loan is going up. I have never missed a payment. I use " XXXX '' to see my loan balance. My payments also have gone up. I was paying {$170.00} every two weeks. Now I'm paying {$220.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for a " Free '' credit reporting trial with XXXX  months ago. When I signed up, it said just call to cancel. I have tried to call every month to cancel and have been unsuccessful. Experian has you on hold and never picks up. Today, after being on hold for 14 minutes, someone picked up then transferred me to another line where I sat on hold for another 15 minutes. Someone finally picked up after I had been on hold for 28 minutes and I was able to cancel the membership. Experian allows you to update your payment info online but wo n't allow you to cancel the service online. They provide you with a phone number to call but then never pick up. Meanwhile, your credit card is being charged every month. These practices are unfair to consumers.

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 2017-09-07
Company: GVA Holdings, LLC
State: NJ
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:
Loan Company GREAT Plains Payday Lending who I attempting to resolve the illegal interest rate they put on a NJ Loan that they are not licensed to do business with and would not drop the 800 % interest reported the loan on my Credit Which is also illegal. 

The credit agency said it was valid an they could not remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have Child Support with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX CO XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have Child Support with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2018-03-31
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2017 I sold my lite coins shares on the Coinbase consumer site. I attempted to withdraw XXXX From my Coinbase account. I have not received the amount withdrawn. Coinbase customer service has claimed they escalated the claim and passed it to specialists. I have yet to hear back from any representatives of coinbase and still have not received the money. After numerous attempts I am unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested kindly that MRS ASSOCIATES provide legal documentation regarding information transmitted to the credit reporting agencies for me. With regard to the asserted account XXXX. I am asking for a contract between myself and MRS ASSOCIATES. I hereby request that your company delete this account from my credit report and stop all contact with me. Pursuant to the Fair Dept Collection Practices Act, 15 U.S.C. section 805. You are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. MRS ASSOCIATES is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with XXXX XXXX. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by MRS ASSOCIATES should not be deemed truthful and may bespeak your disregard for consumer protection statuses. Please delete this fraudulent account at once. I also had a fraud account from MRS ASSOCIATES for account XXXX as I have never had an account of done any business with his company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: JPMORGAN CHASE & CO.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was prequalified for an auto loan through Chase to purchase a car from XXXX auto sales with a loan amount of XXXX for 60 months with a payment of XXXX and 14.35 % interest. When I went to the dealer and advised them of the pre approval they told me they needed to submit all the information to Chase so they could reconcile the loan information, turns out they were submitting a brand new application which in fact negatively impacted me as it was a higher interest rate and higher amount of payments. This is a deceptive and unfair practice that adversely impacts customers and should be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I currently have a collection account on my credit report from XXXX XXXX for a XXXX account. My current XXXX account is active and has been since XXXX. I reached out to XXXX to confirm this reported collection account existed and they stated they have no record of the account or any collection attempt matching my ssn # in the past years that I have been a customer. They also confirmed that I have no past due balances and my account has stayed active. I then reached out to the reporting credit agency, XXXX XXXX, to request removal of this account from my credit report, but they also could not access the account in question and all they could do was confirm there was an account with a {$0.00} balance. XXXX XXXX stated that they withdrew ownership of that account so no action can be taken on their end at this point. I filed a dispute with Equifax about this account and after 30 days they stated that all the information reported was accurate based on their investigation. The attached dispute results also added that the account was paid XX/XX/XXXX, and I have no idea about that payment or where it came from or why. I would like to know why we are getting drastically different results in our investigation since I spoke with both XXXX and XXXX XXXX and neither have access to any active account belonging to me in order to assist with anything and no historical details. I called Equifax support for assistance and they stated that there is nothing they can do as their investigation came back as accurate and only the reporting credit agency can request removal of the account anyway, which means there was never any benefit to filing a dispute with Equifax since they allow whatever the credit agency says to be what is reported. I am not sure why there is no ownership for the account and why it is so difficult to request removal of it when there was never a past due balance to begin with and my XXXX account is still open and active?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I already sent a creditor letter and debt validation letter for the account listed under my name which is giving a bad impact on my credit report. I disputed it for lack of accuracy for the item added to my account. 
Company Name : Wells Fargo, the account was last updated in the sum of {$0.00} on XX/XX/2021. 
Company Name XXXX XXXX XXXX XXXX ( original Creditor XXXX XXXX  ), the account was last updated in the sum of {$540.00} on XX/XX/2021.

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 2022-07-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: BOK FINANCIAL CORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current mortgage payment is XXXX a month which includes putting money in to escrow. When I closed on my house we had closing costs and that should have covered this year towards insurance and taxes. Now my mortgage company is saying there is a shortage in my escrow and they are moving my payment up to XXXX. My insurance and property tax appear to be the same so this means my mortgage company never quoted me right and we bought the house know we could only afford XXXX a month for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: NY
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # 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 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