BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-18
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been a customer of XXXX for many years, with consistent on-time payments for the duration of my relationship with them. While continuing to make regular monthly payments for my internet and television service, I received a collection notice for {$59.00}. At no point did I receive a billing statement for this amount from XXXX and several attempts to obtain a billing statement from the company after receiving the collection notice ( my first contact about this amount due ) were fruitless. XXXX representatives repeatedly told me I had to find out from the collection agency, while representatives from the collection agency were referring me back to XXXX. To this point ( XXXX XXXX ), I have been unable to get a billing statement outlining what this amount is for and I have not been provided an opportunity to challenge this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Chase checking account was closed in XX/XX/2022. It was closed due to a negative balance. I received a check from a case settlement in that account XX/XX/XXXX. Now I recall when a checking account is closed that any money delivered to the account should be sent back. This was not a payment for my balance due in which they knew that. I was not notified that the deposit was even put in my account and now they refuse to return the money! They have applied the money to the balance and refuse to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: NV
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 Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2017-08-18
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage which was sold to PNC. I understand that legally they must notify me 15 days before they start to assume payments for my mortgage. My current mortgage company informed me of the sale and tried to give me the account number for my new company, but that part of the form letter was left blank. I have waited to receive information from PNC on their acquiring my loan and information on how to submit payments. I have received no notice from them and have not received any information on how to submit my next payment. Considering the fact that PNC requires that you either set-up EFT autodrafts, mail in a check, or charge you {$7.00} for each payment made online from a non-PNC account, I need the time to make sure my payment arrives on time and am not overcharged interest or an arbitrary fee for just making a regular payment. I think it should also be illegal for them to charge you a fee for simply making an on-line payment from a non-PNC account, but let 's start with them at least adhering to the laws that already exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
Over a year trying to get false late payment removed by Ally financial on my auto loan. 
First Ally reported 2 late payments XXXX & XX/XX/2021 but after several calls to Ally customer service they removed XXXX late payment WHEN LOANE WAS PAID-OFF IN XX/XX/2021. 

After several phone calls to Ally financial, they changed & reported Late payment to XX/XX/2021 which is completely false ( Attached printout of credit report where it shows XXXX payment posted XXXX/XXXX/XX/XX/XXXX). 
ALL OF THESE LATE PAYMENTS BEEN REPORTED BY ALLY FINANCIAL AFTER AUTO LOAN WAS PAID-OFF IN XX/XX/2021. 
Paid off the loan during pandemic.

Credit score dropped XXXX points after Ally reported false late payment. 
Unethical & dishonest company.

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 2022-07-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out a loan on XXXX for {$15000.00} On XX/XX/2022 I was contacted by XXXX XXXX regarding a consolidation and refinance offering me a lower rate and payment on my EXISTING LOAN. 
I agreed. 
I asked if this was separate loan and they said NO THIS IS YOUR CURRENT LOAN. 
on XX/XX/2022 they deposited an additional $ XXXX into my account. I called in upset because as I suspected this was AN ADDITIONAL LOAN and they used PREDATORY TACTICS because I am a senior. 
I immediately asked that the loan be rescinded. They said I was still liable for the origination fees of {$790.00} ... and I refused to because I never authorized this loan. I only wanted a refinance of my existing loan. 
They finally agreed to remove it. But, to date it is still reporting on my credit. They provided a letter saying they remove it and they still have not. This is a huge hardship as I have been declined credit elsewhere due to their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diverisifed Consultants, XXXX XXXX XXXX, XXXX, FL XXXX XXXX has been destroying my credit and hounding my phone about a debt with XXXX. I informed them I havent had a XXXX account in a very long time as my phone service is thru business accounts. I asked for a deb validation letter. I get the letter and it provides a bill summary with no details and the dates are for XXXX. I know for a fact i did not have service with XXXX in that time period and can prove it. Also I have not lived at the address listed on the bill in over 7 years so I know this is not my debt. I am attaching a copy of the bill that was sent to me and a copy of the letter from debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: MO
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:
under 15 us code 1681b permissable purpose of consumer reports I never gave XXXX, XXXX and experian any written consent to report anything to my consumer reports, so because I did not consent that means that is fraud. 

under 15 us code 1681a ( 2 ) ( B ) talks about exclusions from a consumer report any transaction supposed to be excluded from a consumer credit report. if a credit card which is social security was used in the transaction. the accounts listed below are all in violation of of both of these FCRA laws which i have tried resolving with the consumer reporting agencies and nothing has been done after multiple attempts. Because the violations are costing me a depressive life due to bureaus not following laws they should be held liable and repsonisble for fixing it. 

XXXX XXXX XXXXXXXX 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 2022-07-07
Company: EQUIFAX, INC.
State: MO
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:
under 15 us code 1681b permissable purpose of consumer reports I never gave XXXX, equifax and XXXX any written consent to report anything to my consumer reports, so because I did not consent that means that is fraud. 

under 15 us code 1681a ( 2 ) ( B ) talks about exclusions from a consumer report any transaction supposed to be excluded from a consumer credit report. if a credit card which is social security was used in the transaction. the accounts listed below are all in violation of of both of these FCRA laws which i have tried resolving with the consumer reporting agencies and nothing has been done after multiple attempts. Because the violations are costing me a depressive life due to bureaus not following laws they should be held liable and repsonisble for fixing it. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. XXXX XXXX XXXX ( XX/XX/2022 )

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 2018-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was currently applying for an unsecured credit card with Capital One Bank USA. Once approved for the card, some 3 of the same type of inquiries ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) showed up on my credit report that I didnt do. Please check into this issue so it doesnt affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following companies made inquiries into my consumer credit profile without my consent and without my authorization. I have disputed these fraudulent inquiries with the consumer credit reporting agencies, XXXX & equifax but those agencies have not proven the validity of these inquires. I have also contacted the fraud departments of both agencies with XXXX progress made to remove these inquires. 


XXXX XXXX XX/XX/2021 XXXX Equifax XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, EQUIFAX & XXXX XXXX XX/XX/2021 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX processed a fraudulent charge in the amount of {$55.00}. This amount was properly disputed with Capital One which initially credited the account and then despite the fact that the charge was fraudulent, Capital One wrongly re-billed the amount of {$55.00}. 

Also, despite Capital One promising to waive the {$39.00} annual fee, on XX/XX/XXXX, CAPITAL ONE processed a charge for a MEMBER FEE in the amount of {$39.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made my final payment to LoanCare LLC on XX/XX/2022. It has been more than 20 business days since my loan was paid in full and I still do not have a correct payoff statement. I can add so I don't need LoanCare to tell me what the payoff amount was. 
However they can not add. LoanCare recognizes that the loan is paid in full but can not figure out the interest and escrow portion of the loan. LoanCare has sent two payoff statements, both of them were incorrect. LoanCare agents confirmed that the statements they provided were incorrect ( you can hear that in the recorded calls ). LoanCare has not started the escrow refund process. 

LoanCare did send me an email today apologizing for the delay in their " investigation '' and referred me to their web site where all I can do is confirm that their information is not correct. 

I have all of the screen shots of the relevant information should it be required.

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 2022-07-07
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 convenient XXXX XXXX bank account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX Bank account 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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 convenient XXXX XXXX bank account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX  Bank account 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 also states a consumer reporting agency can not Furnish a account without my written signature or 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 2022-02-04
Company: EQUIFAX, INC.
State: NY
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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: AES/PHEAA
State: ID
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:
My current student loans are being serviced by Fedloan. In the last few months I 've had some extra money and figuered I would pay down my loan a little extra. After a few months of doing this, I noticed my payment amount changing which seemed odd, so I looked into what was happening. Instead of applying my extra payments to curent principal after all my interest payments were satisfied, they were applying my payments to " future '' payments. It would seem to me that any interest my loan accrued on an amount that should have gone to principal is fraudlent. It is not a huge sum of money, but they are in effect preventing me from paying down my loan faster. This would seem like its a form of an undisclosed pre-payment penalty and seems like its illegal. I ca n't XXXX any XXXX person has huge damages from this practice, but If they are doing this to anyone looking to pay down there student loans faster, I would bet this adds up to a lot of ill begotten gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was one of the users affected in the security breach by Equifax. My personal information such as name, credit card, SSN, etc, was stolen. The only protection I was offered was a 90 day alert on my account. This breach will affect me for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
"ON XX/XX/XXXX I SENT A "VALIDATION OF DEBT LETTER" TO XX/XX/XXXX AS OF XX/XX/XXXX I HAVE NOT RECEIVED ANY RESPONSE AS REQUIRED BY LAW SECTION 1006.34 (c) OF THE FDCPA. THIS IS A VIOLATION OF MY RIGHTS. BECAUSE THE ACCOUNT WAS NEVER VALIDATED, IT REMAINS INVALID, SO THE CREDITOR/FURNISHER BY LAW, CANNOT CONTINUE COLLECTION ACTIVITIES, NOR REPORT THE INVALID ACCOUNT TO THE CREDIT BUREAUS. | ALSO NOTICES SEVERAL FRAUDULENT INQUIRIES, I BELIEVE THESE ARE THE RESULT OF IDENTITY THEFT. BECAUSE I DID NOT NOR DO I RECALL GIVING AUTHORIZATION FOR THESE INQUIRIES THERE IS NO "PERMISSIBLE PURPOSE." I DEMAND AN INVESTIGATION WITH ALL UNVERIFIED ACCOUNTS AND INQUIRIES DELETED IMMEDIATELY WITH A UPDATED REPORTS SENT TO MY ADDRESS. I DO NOT CONSENT TO ANY XXXXRD PARTY OR ELECTRONIC VERIFICATION."

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 2022-02-04
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Specialized Loan Servicing is resposible giving credit report late payments from XX/XX/XXXX on a new loan closed in XX/XX/XXXX FIRST PAYMENT DUE XX/XX/XXXX MADE XX/XX/XXXX NOT DUE UNTIL THE 16 OF EACH MONTH XXXX PAYMENT MADE XX/XX/XXXX PAYMENT MADE LOAN TRANSFERED TO SLS XX/XX/XXXX FROM LOAN CARE.Five seperate loan # had been supplied i have given copies with my complaint.Along with my call record JUST ONE OF MANY.Showing how upset i was that i could not get a normal statement. 
Now i just ran my credit to see that because of LOAN CARE AND SLS refusing to give a payment method I MADE DOUBLE PAYMENTS IN XX/XX/XXXX IT SHOWS THREE PAYMENTS SLS ONLY REFUNDED ONE PAYMENT IN XXXX LOAN CARE TOOK DOUBLE PAYMENTS FROM XX/XX/XXXX TO XX/XX/XXXX HOLDING THE PAYMENT NO LETTER SENT SAYING IT WAS INCORRECT SLS REFUSING TO ANSWER SENDING THE LETTER I GAVE A COPY THEY WERE REVIEWING... XXXX MO FOR THIS COMPANY NO ANSWERS REFUSES TO MAKE ANY DOCUMENTS AVAIABLE. LOOK AT WHAT I HAVE PROVIDED TAX STATEMENT WRONG FOR XXXX I HAVE SO MUCH MORE TO SUPPLY ... THIS IS DONE WITH MALACE AND FULL INTENT TO MISLEAD WITH HOPES OF PUTTING BORROWERS IN RISK OF FORECLOUSER AT FIRST I GAVE THEM THE BENIFIT OF THE DOUBT,,, NOW THREE YEARS LATER WITH NEW HARRASMENT EVERY MONTH FROM THIS COMPANY I CAN SAY THE REFUSAL TO SUPPLY INFORMATION ALONG WITH THE LETTERS TO DEMAND MONEY THAT IS NOT DUE, EVEN SENDING INCORRECT INFORMATION TO THE CREDIT BUREAU I HAVE PROVIDED MY PAYMENT HISTORY FROM MY BANK I HAVE NEVER BEEN LATE EVER. TO DAMAGE ME HAS BEEN ALMOST EVERY MONTH .EITHER SENDING LETTERS DEMANDING INSURANCE WHEN THE BINDER WAS SENT TO THEM IN ESCROW..PRETENDING THEY DID NOT HAVE IT .EVEN CALLING THIS PROPERTY A CONDO WHEN THE APPRAISAL SPELLS IT OUT .RESIDENTIAL FOUR PLEX FOUR SINGLE FAMILY HOMES ON A LOT IN A RESIDENTIAL NEIGHBORHOOD OF THE SAME .SMALL INCOME PROPERTY CONFORMING EACH HOUSE SEPERATE METERS PARKING YARDS STUCCO EXTERIOR RAISED FOUNDATIONS LAUNDRY ROOMS IN EACH HOUSE.GARAGES NOW THE SLS PEOPLE HAVE DAMAGED ME BEYOND WHAT I CAN EVEN SAY ... ..I NEVER IN MY LIFE TIME HAD A MORTAGE LATE OR HOME LOAN LATE ... ..IT HAS BEEN THERE SINCE I TOOK LOAN I JUST RAN MY CREDIT I SENT A COPY .THERE IS NO WAY TO DEAL WITH THIS COMPANY I HAVE PHONE CALL RECORDS ON HOLD FOR HOURS FAXES UP TO 45 PAGES AT A TIME LETTERS I CANT TELL YOU HOW MANY SPECIALIZED LOAN SERVICER IS DANGEROUS

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