BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: JPMORGAN CHASE & CO.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid my Chase Auto loan off approximately XX/XX/XXXX and everything seemed fine. I was never late with payments and I paid the car faster after refinancing. 
I even told the support I would be raising this everywhere I could and still nothing happened. 

Please help me. 

I called Chase Bank and they said they would release the title. I have constantly updated my address. I moved to XXXX and I took my title to have my car registered so they have a copy. 
Well now it is XXXX of XXXX and I need to register my car for tags and taxes with XXXX. I go to get a copy of the tag and chase wont release the lean. 
I have called them, gave them my address. Called again. Every time I call its like Im starting new. 
I called and sent messages through the banks customer center and they said they would call me, its been almost XXXX weeks now. 
Right now my car is illegal to drive and chase said they would open a case on this and then said we dont have any access to anyone that can do anything. 
Chase said they would expedite my lean release paper XXXX weeks ago but they did not do it electronically. AND it took 9 days to get here, Im only placing this here because they lied so badly. 
I need help, the only thing they have to do it release my lean electronically. Thats it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: Maximus Education, LLC dba Aidvantage
State: CO
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 had a student loan serviced by Aidvantage years ago. I had it set on autopay and they still reported melate. I tried to resolve it with them in 2015 and they never fixed the issue. They instead reported latepayments and reported it as a collection. 

I submitted a claim to the CFPB already claim # XXXX. 

Aidvantage replied to the CFPB saying they would remove it from my credit report in XXXX and they still have not removed it. 

Interest rates have been going on on home mortgages and I can pursue the company for financial distress since it is impacting my credit score and rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: CAINE & WEINER COMPANY, 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: Investigation took more than 30 days

Complaint:
New Information : I recently filed a report against Caine & Weiner in reference to an account that I have been disputing over a year and I read the response that they never received any Correspondence from me for an alleged debt that they say that I owe them. The last correspondence that I sent was received by there office was on XX/XX/XXXX which was a debt validation letter 15 USC 1692 ( g ) b and also a cease and desist letter 15 USC 1692c ( c ) and they responded on XX/XX/XXXX. Per congress when an alleged debt is being disputed it is supposed to be removed from the consumer report until the investigation is final which was never done and please see my proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was a victim of predatory lending with Santander and my loan is part of the lawsuit with Santander and their unfair lending practices. As a result, my car was repossessed, due to the multi state law suit I qualified for a deficiency waiver of the balance after my car has been sold at auction. 
However there is still a balance showing on my credit report. Santander has been ordered by the courts to issue the deficiency waiver for the remaining balance and completely remove the derogatory account showing on all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent in my disputes and haven't got respond

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 2021-02-18
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Throughout XXXX, XXXX to present, Jefferson Capital Systems is and has been attempting to collect a debt they have filed to verify multiple times and the collection account is massively detrimental to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: I.C. System, Inc.
State: FL
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 received a collection account on my credit report on XX/XX/XXXX. On XX/XX/XXXX I called the collection agency IC System Inc to verify what this was. Initially I spoke with XXXX employee ID # XXXX who stated she could not find me in the system and when I gave her the account number as stated on my credit report she stated there was 10 people with that same account number. I asked for a supervisor which XXXX employee ID # XXXX tried to help verify the debt which is stated to be from XXXX which I have a current 5yr account with and owe them nothing. When I asked XXXX if they could send me the documention to verify this debt was mine with signatures and or proof that this belonged to me she stated " they do not have proper documentation to verify this debt belongs to me ''. 

Then I got transferred to another supervisor XXXX employee ID XXXX who stated that this is a debt directly from XXXX and they do not have the documentation to verify this debt and would have to request it from XXXX. I told her she can't report this debt and it needed to be removed. 

Per XXXX employee # XXXX this debt was opened in XX/XX/XXXX and sent to collections in XXXX of XXXX. 

IC Systems just recently bought this debt because it used to read as XXXX XXXX XXXX  on my report which I sent them a letter to validate this debt in XXXX and it was removed because XXXX XXXX XXXX did not validate this debt in XXXX! Now IC Systems is reporting it 3 years later without proper documentation to validate it.

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 2017-07-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ON   XXXX /17 a nd  XXXX /17,  two d ifferent lenders attempted to retrieve my Equifax credit report but was unsuccessful due to some type of fraud alert. I have contacted them on both occasions, provided case number and on the last call, was hung up on by the rep when requesting to speak with someone regarding this.   XXXX  Advised that all information needed to be updated so it match and there was no issue in retrieving, although sent in  one 3 prior o ccasions in the past 6 months but was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: The Phoenix Recovery Group
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct. # XXXX has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal took {$2300.00} from my balance after 180 days of it being held on XX/XX/2021. 

PayPal Email : XXXX Transaction ID : XXXX PayPal claims I broke there User Agreement Policy when I am a registered seller in XXXX and sold legal digital goods on a massive marketplace called XXXX. PayPal is one of XXXX 's main payment gateways and has been partnered with them for years. There is no reason why I should have been banned by using there platform. I wish for them to return the money they have taken from my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: ENCORE CAPITAL GROUP 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: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for MoneyLion 's promotional offer based on their Pave the Wage promotional campaign. The promotional offer was to receive 17 % of your direct deposit if you did the following : 1. Join MoneyLion 2. Set up a direct deposit of $ XXXX 3. Opt in to bonus 4.  Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) 5. Bonus you receive will be 17 % of your first direct deposit Right after opening the account I called up Moneylion and confirmed that all I needed to do was to wait for the bonus offer to show in the app and then opt in on the  mobile app to be eligible. I was able to do this a couple days after opening the account. Then I set up my direct deposit such that first deposit hit my MoneyLion account on XX/XX/2019. I continuously deposited the same amount ( or higher ) biweekly to meet the bonus requirements. 

After 90 days had passed I failed to see any bonus posted to my account. I called up MoneyLion and asked them what was the delay. Their response was I hadn't opted into the bonus offer as no email had been sent to my email account as is apparently customary. I mentioned I had followed their exact directions when I called them up when opening my account. There was no mention of a special confirmation email. Moneylion 's response was they wouldn't abide by the terms of the offer since no email existed.

This entire situation has been a scam. Moneylion heavily used gender equality to market their financial services and get lots of publicity. Then when the time comes to pay out they can renege on their offer saying there is some app or backend system issue and they don't have to abide by their contract. This is straight-up fraud. They may have pulled the same stunt on others as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-16
Company: Receivables Performance Management, LLC
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: Information belongs to someone else

Complaint:
Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor

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 2019-11-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have been in a constant struggle with XXXX  and their practices in reporting loan information. I have asked for information to be corrected in credit report to no avail. They have ignored my request for correction with document from XXXX indicating my loans were forbearance and still continue to report late. In addition all the response I receive from the credit agencies are changes to the terms. Which I am not aware of any changes on terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently received a letter from portfolio recovery stating it is a response to a related complaint? really? sure its a response, BUT IT IS NOT VALID!!! PORTFOLIO HAS NOT ADDRESSED ONE ISSUE WITH CLARITY!! BECAUSE THEY CANT! THEY ARE CRIMINAL SCAMMERS AND I KNOW THIER GAME AND IM GOING TO EXPOSE IT RIGHT NOW!!! Portfolio is using tactics of deception, dishonesty, extortion, and defamation to collect an amount that was never owed to them they bought this information for pennies on the dollar. this is n't even a debt it is just some numbers that has already been discharged by the bank to my treasury direct account. it 's only a statement and it 's not a bill!!! there is a gross gross difference between the two words, if portfolio can send me a TRUE BILL AND CONTRACT which they ca n't because they know they ca n't!!! they must get out of my life because they are professional scammers and they rip people off and deceive people to steal their money which was never OWED!!!! on one letter is says " this is not an attempt to collect ''? really? then why are you using methode OF EXTORTION ON MY CREDIT REPORT?? YOU PEOPLE ARE SUCH XXXX LIARS!!! LIARS LIARS LIARS AND LIARS!!!!!!!!!!!!!!! PROVE TO ME A CONTRACT SHOWING MY OBLIGATION [ S ], AND HOW WILL YOU RESPOND AGAIN BY SENDING ME A LETTER SHOWING ME SOME NUMBERS THAT WAS ALREADY PAID?? ALL BANKS DISCHARGE AND CHARGE OFF DEBTS THROUGH EVERYONES TRUST ACCOUNT,!!!! THE UNITED STATES TREASURY PAYS THEM!! AND XXXX LIKE PORTFOLIO RECOVERY BUYS THE INFORMATION FOR PENNIES ON THE DOLLAR AND TRIES TO COLLECT THE FULL AMOUNT BY METHODS OF DEFAMATION AND SMEARING YOUR CREDIT REPORT!!! THIS IS THE XXXX XXXX WE ARE DEALING WITH HERE, MY NEXT COMPLAINT WILL BE A LEGAL NOTICE INTENTION TO SUE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I tried reaching out to this Bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and i want it investigated and removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Experian Information Solutions Inc.
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 contacted Experian because there is an account on my credit report that is being reported as a charge off. I asked the representative if she could tell me the name of the data furnisher and she said XXXX XXXX, now XXXX XXXX is the name of a credit card and it is not an actual company, how can a credit card name be reporting an account? According to the FCRA everything on a consumers credit report needs to be 100 % accurate without any mistakes, I want them to validate this account because I dont dont what it is and where it came from. I want this account deleted from my credit file because every single company name that I have been given starting with the original creditor arent correct, I called the original creditor which is XXXX XXXX and they told me that the account was sold to a company called XXXX XXXX XXXX, then I contacted XXXX XXXX services and they told me to contact a company called XXXX XXXX XXXX, then XXXX XXXX XXXX told me to call a company called XXXX XXXX and XXXX XXXX told me that they do not have the account with my information, I also received a letter from the original creditor telling me that the account was sold to a company called XXXX XXXX, I contacted XXXX XXXX and they do not have the account, What I would like to know is, how is it that Experian and the other credit bureaus XXXX and XXXX tell me that when I disputed this account it was verified, who verified the account if none of these companies have it? and the name of the data furnisher that appears on my credit report is not a company but a credit card name? Delete this account now because it has not and cant be verified or validated.

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 2021-07-21
Company: Self Financial Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I am inquiring about an account thats noted on my XXXX Credit Report. I have called XXXX to inquire about that account and they gave me your info to contact you. I then contacted your bank and they have no info on the account and what it pertains to. It is critical that I obtain written confirmation saying that account isnt mine or whatnot from you in order to removed it from my credit report. May you please respond back as soon as conveniently possible. My XXXX XXXX husband is getting XXXX soon and its vital that we close on this pending house for our children and I so that he can be at peace while hes XXXX. We have been calling around to find out more about that account thats opened under my name because I have no recollection of ever opening an account with XXXX XXXX XXXX. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Please read company 's false response before I dispute In his complaint with your office, XXXX. XXXX states that two incidents reported by LexisNexis dated XX/XX/XXXX and XX/XX/XXXX are incorrect and are impacting his insurance premiums. In response to XXXX XXXX complaint, LexisNexis searched our systems using XXXX XXXX name and address as provided in his complaint and located two reports a XXXX . Auto report and a Motor Vehicle Record ( MVR ) report provided to XXXX XXXX insurance carrier, XXXX XXXX. On XXXX XXXX MVR report, LexisNexis located a moving violation issued on XX/XX/XXXX, with a conviction date of XX/XX/XXXX, which we believe to be one of the incidents XXXX XXXX is disputing. On XXXX XXXX XXXX . Auto report, LexisNexis located a claim dated XX/XX/XXXX,  which XXXX XXXX states is incorrectly reporting as at fault.
Page 2 XXXX In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a dispute of the claim dated XX/XX/XXXX listed on his XXXX .  Auto report. During our reinvestigation of the claim dated XX/XX/XXXX listed on XXXX XXXX XXXX . Auto report, XXXX XXXX XXXX verified that XXXX XXXX was the named insured and the vehicle operator for the claim in question, and that the claim is a personal injury claim from being rear-ended. Please note that there is no fault assigned to this claim. Given this verification, LexisNexis is unable to remove the disputed claim from the XXXX  . database.
In regards to the moving violation issued XX/XX/XXXX for use of a mobile telephone while operating a motor vehicle, which has a conviction date of XX/XX/XXXX, the MVR obtained on behalf of XXXX XXXX was provided by the government agency of the state that maintains driver history information ( e.g., Department of Motor Vehicles, Department of Public Safety, or Secretary of State ). LexisNexis obtains MVRs from the appropriate government agency, standardizes the information, and forwards the information to the company requesting the record.
LexisNexis does not have the ability to change the substance of the information contained in the MVR other than to verify that the information is correctly standardized. The state in which XXXX XXXX is licensed to drive has the responsibility of maintaining his driving record. If he identifies errors in his MVR,  he must first contact the appropriate government agency in the state in which he is licensed to confirm the accuracy of their data.
If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis Consumer Center via email at XXXX or by phone at XXXX-XXXX-XXXX. The LexisNexis Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX Eastern Time.

Company response to consumer: Closed with explanation