BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Report : XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX  Balance : {$450.00} XXXX XXXX Balance : {$480.00}.

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 2017-11-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
We have a loan for a vehicle that we have been attempting to make the payments on, and we continually receive calls, even after payments have been made. On XX/XX/XXXX, we made a payment of {$4000.00} of the {$12000.00} remaining balance. We had a past due balance of {$1000.00}, which would have been plenty to cover the past due amount. At XXXX XXXX on XXXX/XXXX/XXXX, I received a call from Fifth Third Bank employee stating she was calling regarding the past due amount. When I said she needed to check my account, as I made a payment last night, she stated that they can not check the accounts before the calls are made. She also stated that the only way to stop the calls would be to contact the bank when we make a payment, or make the payment early. I feel this harassment has to be checked into, as I feel that is not right nor fair to me to have to explain to the bank that I made a payment when they have access and can check their system before calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Report : XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$480.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: AZ
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: SC
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 am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have all obtained my non public Identifying information through fraud & identity theft. I have never contracted with any of these companies. This also serves as notice for all of the credit reporting agencies to list a few but not limited to Experian, XXXX, & XXXX. Please remove these fraudulent account or be held liable for willful breaking of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20
Company: Focus Holding Company
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls coming about every other day. Sometimes no XXXX answers, other times tape says something about student loan debt. I never had a student loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: PA
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022, and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is calling my parents, my children, my brother & past residences searching for me. I have no idea what this company wants with me. I 've tried to contact them, with out any success. If they would leave a clear vociemail, I would call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Unusual transfer of mortgage ownership in foreclosure. 
1 ) Foreclosure case filed by Chase XX/XX/XXXX. At that time Chase claimed ownership of the Note. A records search by a law firm indicated Fannie Mae held ownership. 
2 ) XX/XX/XXXX Chase filed transfer documentation showing they transferred property to XXXX XX/XX/XXXX. 
3 ) Is n't this the major question of these foreclosures. The inability of lenders at the time to present the documentary proof required to obtain judgment of foreclosure? 4 years later they come up with the documentation and the homeowner has no recourse? 
LACK OF CORRECTLY OWNED DOCUMENTATION AT THE TIME TO PRESENT A PROPER FORECLOSURE. If Fannie Mae had ownership of our loan at the time of foreclosure, how can Chase sue? 
4 ) The securitization process ignored longstanding legal principles for the transfer and sale of notes and mortgages and we the home owners are stuck paying the price by loosing our homes. 
IMPROPER CHAIN OF TITLE OF THE NOTE OR DEED OF TRUST. 
5 ) How can they foreclose on my home when they really did n't have the right to do so? We were getting 2 calls a DAY threatening to take our home. 
6 ) Chase claims to own all these mortgages that they never got the notes for because they were all securitized. So Chase says we own Washington Mutual 's assets but they do n't have my note. 
7 ) The Securitization ( bank / XXXX. product ) process ignored legal requirements for the transfer of mortgages. ( well if they get a do-over, I want one too!! ) Do the banks hold legal title over the homes they are suing? Or is this the " too big to fail '' and we the homeowners get stuck holding the bag for a bad bank idea a long time ago? 
8 ) What about MERS, was n't that a way around the requirements of the traditional mortgage recording process. Now they want that back since the initial plan did n't work? 
9 ) " Too Big To Fail '' The law must not yield to the expediency and convenience of lending institutions. 
10 ) Bottom line, the courts should not allow lending institutions to push and pull as they see fit. Why are the rules they are governed by tossed out? Many good veterans and Americans are getting and have been run over by these institutions and the courts are not standing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: AR
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 The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. IC SYSTEM INC 135204, has violated my rights. 15 U.S.C 1681 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-02-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
To whom it may concern : I have been paying on my children 's student loan for about 10 years now. During this time I have had many issues with the loans. Here are a few examples of the issues I have had. I had been paying on the loan and then it was purchased by another company. When I contacted the company, they kept telling me to go online and set up a new payment plan. I have also had many forbearance payments and was never informed of an income driven payment plan. In 2008, my husband and I lost our home due to the interest rates rising. We were in difficult times and I had to stop paying for a while. When I called to start anew, I was deferred. I did set up an auto payment and was doing well, paying on time when again the loan was sent to yet another company. I did n't realize this until I noticed for two months I had n't had the money taken out of my account. When I contacted XXXX XXXX I was told it was sold again and I needed to call them. I did try a few times and received such a run around that I just gave up. After quite some time I received a notice for the loan. I called to see what I can do. I found out that I now owe an extra {$10000.00} on the loan. I am worse off now than ever! I did call and the lady was starting to put me on forbearance but she said, " well if you worked for a non profit you could have a income base repayment ''. I am with a non-profit organization and am in the middle of filling out the forms for this. What I am looking for though is help to reduce the outrageous amount of interest in this situation. My XXXX daughter told me about a lawsuit that is in progress against Navient and I would very much like to know if I qualify to be a part of this. I do n't expect to come out rich. What I want is a forgiveness of this loan or at least a large deduction. I believe in repaying my loans, but now I feel I am being bled to death. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been trying to get a copy of my pay history on my student loans. I would like to see a detailed record of any 30-60-90 day late periods. 
I also want to know where I can find or be provided with Policy on how and when information is reported to credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I believe I am victim of Mortgage and Mortgage Servicing Fraud. JP Morgan Chase and XXXX XXXX XXXX. are both claiming to be the note holder of a loan in my name which is being serviced by a third party entity. I have sent both parties Qualified Written Request and Debt Validation Request and neither have sent adequate responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: TX
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 already submitted a complaint to the XXXX Credit Bureaus regarding my concern. I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus must comply with the Fair Credit Reporting Act, 15 USC Sections 1681i, and stop reporting as unverified information without any proof provided, within the time allowed by law. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: BB&T CORPORATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our account is in foreclosure with BB & T bank, this is a FHA loan and they are the servicer, we have had nothing but headaches trying to work with this company to try and resolve our account, from them offering unaffordable modifications to them telling us we have a credit on the account, when in fact we do not, this is the XXXX time they said we had a credit and in reality, we did not, which brings me to this complaint ... ... ... .... 
On XXXX XXXX, 2015 we received a re-instatement letter from their law firm the XXXX XXXX XXXX, telling us if we pay {$1700.00} by XXXX XXXX, 2015 our loan would be re-instatedwith me being skeptical, because previously, they told us we had {$12000.00} in recoverable fees that should have been a credit, well after doing further research, the bank admitted they were wrong and we never had a credit of {$12000.00}, we had taking money out of our XXXX to bring the account current, only to find out after the fact, BB & T Rep pre foreclosure rep gave us the wrong information, moving on to the latest ... ... ... ... .. 
On Monday XXXX XXXX, 2015 I called the attorney office, re-instatement department, spoke to XXXX, informed him of the letter we received dated XXXX XXXX, 2015, I asked him is this quote correct? he told me yes, this is the quote that was sent over from BB & T bank, I then mentioned to him, we had issues with this bank, telling us we had a credit, when we did not, he told me pay the amount on the letter and your account would be reinstated, I then told him, we could get the funds from our XXXX to bring the account current, he told me we could use the letter the law firm sent us, I asked XXXX could you please give me the credited fees amount and what they are, he replied {$21000.00} they are corporate advances which are credits, they just use another term thanked him call endedI then called BB & T spoke to foreclosure department XXXX, told her of the the letter we received from your attorneys office, asked for the account number I gave it to her, she then turned around and ONCE AGAIN told me that figure is not correct, she will call the attorney office, I then ended the call and here we are once again, this is the XXXX time this bank gave us false information, just another example of the POOR servicing, they have done regarding our loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Firstly, on XXXX, I paid for a month of XXXX XXXX  from XXXX via PayPal. 
Secondly, on XXXX, I received a new chargeback bill from PayPal and immediately logged on to the shopping site to check and found that I had signed an automatic chargeback agreement without my knowledge. 
Thirdly, I signed an automatic chargeback agreement with full knowledge. My intention was to purchase only one month of agency services and I was unaware of signing up for the automatic debit service. However, PayPal violated my rights by automatically debiting me without confirming the billing agreement sent by the merchant. 
Fourthly, the billing agreement with the merchant automatically opened the renewal service without my knowledge, without providing a clear button to click to confirm, and opened by default, violating my right to choose. 
Fourthly, the billing agreement with the merchant automatically activated the renewal service without my knowledge, without providing a clear clickable confirmation button, and by default, in violation of my right to choose ; PayPal is obliged to review such fraudulent practices and assist consumers in recovering their losses by providing collection services to merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My hardship began with unemployment starting in XX/XX/XXXX through XX/XX/XXXX. I became employed at my current employer XX/XX/XXXX and worked with my lender to complete a modification as I was unable to pay the amount due at the end of my unemployment deferral/forbearance. Things were going ok as I was attempting to get caught up on my other debts that I fell behind on during unemployment. XX/XX/XXXX I had unexpected vehicle repairs at a cost of {$900.00} then during the winter months my electricity bill sky rocketed to $ XXXX- {$400.00}. I have lived at my home for 6 years and the most my electric bill has been during the winter was {$250.00}. I was able to make some payments and sent 2 payments in the amount of {$1100.00}. I was advised the payments would be sent back to me and I would need one additional payment. I made contact to see when the payments would be sent back, as I was going to add the additional payment that was stated to be needed to it. I was advised that the money orders were sent back XX/XX/XXXX ( Saturday ) and was emailed a copy of the money orders and the letter attached with them. However, I never received my payments, nor the letter that was emailed showing them being sent back on XX/XX/XXXX. I called again and advised I had still not received my payments ; this was around XX/XX/XXXX. I was advised at this time that I would have to produce 2 payments instead of the 1 I was previously told no later than XX/XX/XXXX. I advised the agent that I could do that contingent upon receiving my 2 payments and I had a payday on XX/XX/XXXX. The agent advised that it needed to be submitted by XX/XX/XXXX. Foreclosure began on XX/XX/XXXX. 
I sought assistance from the NC XXXX and was denied. I continued to work with my lender and advised I still had not received my money order or the notice that stated were sent XXXX. I consulted with my bank to see if the money orders had been cashed. They advised no, but I would have to wait 90 days from the date I purchased the money orders before I could submit a refund request. The money orders where purchased XX/XX/XXXX, so I was unable to complete a request until XX/XX/XXXX and by that time my account was at 9 months past due and I was unable to make the full amount due or qualify for a repayment plan. I am currently seeking other employment, but no luck just yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: WELLS FARGO & COMPANY
State: RI
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 a car loan with Wells Fargo Dealership Services and XXXX Credit Bureau through XXXX XXXX /XXXX XXXX XXXX is reporting inaccurate dollar amount owed which is effecting my credit score ... They are reporting I owe {$21000.00} which is incorrect..I owe {$17000.00} as of XX/XX/17..Please update or correct this information it is a serious issue that needs to be addressed..thank you

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