BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: World Omni Financial Corp.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been disputing the accuracy of a repossession that appears on my credit report. It's from XXXX but the repossession happened while I was incarcerated and had my identity stolen. The address listed on the repossession paperwork the company sent me has an address on it that I have never lived at. 
Furthermore the date has been re-aged. I have had no activity to this account since XXXX. 
Yet they are showing Date Last Active : XX/XX/XXXX XX/XX/XXXX on various reporting agencies. Neither date is correct. 
I also asked for a the following information and never received them : Original purchase price. 
Date and amount of all payments made. 
Date of repossession. 
Value of car at date of repossession. 
Amount the Car was auctioned off at. 

If this isn't removed from account due the fraud enacted with the re-aging of this accounts activity. I have proof that I was unable to to act on the account long before listed. If this matter and the requested paperwork is not provided, I will be retaining legal counsel, as I have already brought this matter to their attention, and are interested in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID
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:
USAA Federal Savings Bank is once again reporting my account in error. 

USAA shows the account last PAYMENT was made on XX/XX/XXXX yet the account was CLOSED on XX/XX/XXXX. How could I have made a payment on a CLOSED account? 

These dates are wrong and according to the FCRA, they must delete any information on my credit report that is incorrect. 

Once again, USAA is harassing me and my financial life by prolonging derogatory credit reporting to pay me back. They have intimidated me in the past and had little compassion for me as a military service member. Over the years, these dates have shifted numerous times and its all to take advantage and bully me. Please ask USAA to send you a paper trail of all these date changes then please fine them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
These accounts are not mine. The bureaus failed to verify these accounts and this is grounds for deletion. Accounts ar Debt Recovery, Act # XXXX and XXXX XXXX, Acct # XXXX. The FDCPA and FCRA was violated.

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 2017-07-23
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: Public record information inaccurate

Complaint:
My old roommate used mt name and business to file a fake payroll account at her company XXXX in 2015. I was unaware of this and did not authorize this. Many months later I received letters from XXXX proclaiming I owed them taxes for employees I paid. I did not have any employees besides XXXX XXXX XXXX XXXX XXXX and I had never filed a payroll. When I called XXXX my roommate was fired for fraud and forgery, but they did not attempt to fix the error with the XXXX. The XXXX later put a public records lien against me for the amount the claimed I owed, and took the money from my savings account. I contacted them and they admitted their mistake and released the lien, but the lien was already on my credit report. When I contested the issue with Equifax they said they reviewed the lien and the information is correct. Yes the lein was filed against me, but it was done so by action of fraud against me and the mistake of XXXX. This mistake by Equifax has hindered my ability in being accepted for any loans or credit cards. I am being punished for the actions of someone else and it is affecting my ability to operate my business, buy a home, and live my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: Specialized Loan Servicing Holdings LLC
State: VT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I stopped paying my second mortgage of XXXX when I filed for bankruptcy in XX/XX/XXXX. I found out that SLS had placed a lien on property XX/XX/XXXX. We found out because we had a buyer for our home. I did not understand that a discharge of the debt was not a discharge because a lien could be placed on the property. SLS sent us a pre-foreclosure letter in XXXX and last week said we could pay {$6700.00} and make payments of $ XXXX per month. They said the loan amount was now {$55000.00}! We had paid $ XXXX per month from XXXX to XXXX. The balance of the loan at time of discharge was {$25000.00}. The interest and fees for eight years is {$30000.00}!! I dont think it is fair to charge so much interest and wait 8 years to place a lien on the property. I would like SLS to reduce the amount owed to a reasonable amount of {$35000.00}. I could make payments of $ XXXX per month but do not have {$6600.00} for a down payment. I am retired and my wife is on XXXX because she has XXXX  XXXX XXXX. 
The person working with me at SLS is XXXX XXXX XXXX or 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 2020-10-09
Company: Franklin Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Franklin Collection Services on XX/XX/2020 stating that I owed {$260.00} to XXXX from FOUR YEARS AGO. I have been told by phone, through email, and by mail correspondence from XXXX XXXX XXXX that I do not owe them any money at all. I gathered all of this documentation and made the dispute through Franklin Collection Services on XX/XX/2020 and it still has not been resolved ( today is XX/XX/2020 ). As a result, by credit score has dropped XXXX points and I still am unable to correct the score to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TD BANK US HOLDING COMPANY
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX I bought a subscription to XXXX, a trade magazine of the entertainment business, as a gift for my daughter. I used my TD Bank credit card to make the monthly payments. When she stopped showing an interest in the magazine, I attempted to stop the subscription by going online. I assumed I had closed the account, but over the next several months, I continued to see a charge on my TD statement for XXXX XXXX XXXX, with a telephone number. When I called the number I was informed that I no longer had a subscription to the magazine, then I was directed to a woman named XXXX XXXX XXXX XXXX, who asked that I send her documentation of the charges, which I did, and I never heard from her again. I then reached out to TD Bank Card Services, and was transferred to the XXXX Department, where a gentleman ( I don't have his name ) let me know that they would look into the matter. In XXXX of XXXX, I got a letter from TD informing me that I had waited too long to dispute the charges, and that there was nothing they could about the money XXXX XXXX XXXX had taken out of my account for a subscription I was no longer receiving. They referenced charges from XXXX to XXXX of XXXX, but made no mention of the charges that had been taken in XXXX, XXXX, XXXX ( when I complained ) and XXXX. I called again last week, and went through the process all over again. A woman named XXXX at the XXXX XXXX Department asked me to give her information about the charges, but she could see that XXXX XXXX XXXX was still charging me. She wanted to help me, but said it would take some time, and I informed her that I wanted to escalate the situation to her supervisor. She said her supervisor was not available, but would call me back " within XXXX business hours '' ( this was a XXXX, XX/XX/XXXX. ) I have yet to receive a call back. It is Wednesday, XX/XX/XXXX. I also informed her that XXXX solution might be to just cancel the credit card. XXXX said that would be a bad idea, because " XXXX still has all your information, and they can still bill you. '' (? ) I also went through the process with XXXX XXXX, who transferred me to a woman at XXXX, XXXX XXXX, who took my information and said she would get back to me. I'm still waiting. I have since noticed that on XX/XX/XXXX, my TD Bank Card statement contains XXXX refunds of {$59.00} that all landed in my account on the same day. I have no way to reconcile them against what I have been charged in the past, and XXXX 's XXXX Department made no reference to them in my calls, nor have they let me know in writing what the refunds are for. I'm still out about {$600.00} for a subscription I canceled months ago, and TD Bankhas done little to help me resolve this dispute. I intend to cancel the TD Card as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Experian Information Solutions 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:
XX/XX/XXXX Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement datedXX/XX/XXXX. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to XXXX  inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. XXXX reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is XXXX XXXX error that caused this issue.

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 2022-10-07
Company: Global Lending Services LLC
State: NC
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:
Car got repossessed back in XXXX of 2020 and the account is closed but I'm still getting late payments on my report for that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

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

15 U.S.C 1681 section 601 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 explanation
Consumer complaint received 2022-06-12
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: Reporting company used your report improperly

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

15 U.S.C 1681 section 601 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 2022-06-12
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: Account status incorrect

Complaint:
These accounts are not mine. The bureaus failed to verify these accounts and this is grounds for deletion. Accounts ar XXXX XXXX Act # XXXX and XXXX XXXX, Acct # XXXX. The FDCPA and FCRA was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
VICTIM OF IDENTITY THEFT. 
How many complaints do I have to do? 
They refuse to lock my credit report when I was a victim of identity theft. 
I have been trying to get extended fraud on my reports since when I was identity thefted XX/XX/2020 They refuse to lock my credit and they refuse to investigate all my disputes. 
I am tired of complaining meanwhile my credit gets worse, they have donenothing I've submitters or asked over phone. 
Thier actions are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Early in XXXX of XXXX a predatory lender, " finwiser '', gained access to my checking account at Chase Bank. I discovered this discrepancy when I was discharged from the XXXX on XX/XX/XXXX, XXXX I immediately called Chase Bank. They claimed they could not help me. At this point finwiser had already withdrawn nearly {$1000.00}. When I contacted finwiser they claimed I'd agreed to pay them nearly {$16000.00} for a {$4500.00} loan. I explained to them that was illegal and I would never agree to such madness. They said to bad. Despite daily pleas with Chase to stop payment on this, predatory and abusive lender they refused. In XX/XX/2021 Chase gave this lender {$900.00} on an empty balance and added {$100.00} in overdraft fees. I've begun the process of changing financial institutions. Just this week, XXXX XXXX, Chase gave my entire checking balance, {$390.00} XXXX, to " XXXX XXXX ''. They have refused to refund my money even though I can not afford to donate my entire balance to anyone. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: CITIBANK, N.A.
State: NM
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
they froze my line of credit

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 2017-07-22
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: Account information incorrect

Complaint:
X/XX/2017 Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement dated XXXX XXXX, 2017. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to XXXX  inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. XXXX reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is XXXX XXXX error that caused this issue.

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 2019-11-22
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A. 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 2022-01-26
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Dear senior CFPB officials ; My input on junk fees associated with award year XXXX student loan charges, mandatory back charges by lenders and banks called 'consolidation ' but these do not make one loan, it's just unexplained, multiple one-time fees imposed on students who hold a student loan and have the loans transferred under the power of the student loan lender and not by student request, in fact, these changes and charges are against my will. Initial charges were unclear, I have paid over 8 % interest on what should have been subsidized loans due to the involuntary, multiple initial loan amounts, subsequent consolidations and loan transfers. 

Unexpected loan amounts and thousands in fees for mandatory, involuntarily imposed loan transfers and consolidations which are changes adding fees that seemed too high ; and fees where it was unclear why they were charged. 

If this was a well-regulated, well-supervised banking industry, the most competitive in the world, then why am I locked into indentured servitude with a 47 year repayment plan? As a consumer, I never was able to benefit from the ability choose how the bank was lending to the school to meet their tuition needs. I was left in the dark about the amounts charged, {$10000.00} for a diploma mill ( not a real school with an XXXX XXXX ) and not aware I was being ripped off due to the non-cooperative nature of the lender, and the school being insolvent at the time of the enrollment and then disappeared after the State of California 's involuntary Administrative Dissolution. 

It's also somewhat unclear as to how effectively you at the CFPB will help regulate the fees that student lenders charge initially and the consolidation abuses that follow it and increase the principals without the knowledge or consent of the student debtor. Let my public input will you to try to better enforce efforts to free me. I have been a federal employee for 13 years. I have paid over XXXX, made at least XXXX payments, with XXXX of those being during federal employment which began 2008 and continues today. Not only did a fake school rip me off to begin with, leaving me at minimum wage, but the 8 % interest, compounding fees for multiple consolidations assigning thousands more to the principal, I have been wronged and deserve this to be heard and for policy to change for bad schools that lock kind people into bad loans, and the federal policies that increase the principal of them. 

////

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
XXXX has been calling me over XXXX times every day, they say they are the Reauthorization Dept, I have paid the value pays but they continue to call me. At XXXX point they had turned my account over to collections at XXXX, so I then called them and made a payment to fix this issue. XXXX continues to call. I make payments to my XXXX credit card/Synchrony Bank and make more than the amount due monthly. My credit card is not behind in payments. I am making payments on this credit card, and payments to XXXX XXXX and to XXXX. I am not behind on my bill! I am really tired of XXXX telling me that I am and I want the phone calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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