BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and noticed a collection from COMMONWEALTH FINANCIAL. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against COMMONWEALTH FINANCIAL in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed inquiries that were not made by me, however I have not heard back from them. I will attach a copy of my credit report from XXXX XXXX ( XXXX/ Equifax ) each hard inquiry marked in was infact one I allowed. All other visible inquiries are ones not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed over and over again some of the inquiries that are on my Equifax credit report. There are numerous inquiries on there that I know I have n't authorized. And I have no accounts associated with them. Equifax keeps advising me that the data is factual. and will not send proof when I requested it. I also have a fraud alert on my report. I just want them to be fair and remove these inquires that I did not authorize. The inquires that have been circled on the document that I will attach were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
****THIS IS NOT A DUPLICATE**** CONDITIONAL ACCEPTANCE UNDER PROOF OF CLAIM, AND UCC 11 SEARCH Now comes XXXX, XXXX ; COMPLAINANT and pursuant to Article VI clause 2 of the organic Constitution of these United States of America as per the Supremacy Clause. 

XXXX has not seen or been presented with any documentation verifying that l have voluntarily, knowingly and intentionally, entered into a contract with Wakefield & Associates, to perform to your demands ; and believe that no such verified documentation exists nor has my wet ink signature with your third party company ; XXXX has not seen or been presented with documentation verifying that all the terms of the contract were disclosed in the document and believes that no such verified documentation exists. 

After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I am a victim of an online rental scam. I was wondering if you can please assist in accessing the information including finding out the tracing the funds to the XXXX number, I was interested in an apartment ( XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) on XXXX in XXXX, XXXX XXXX XXXX with a XX/XX/2020 start date. I reached out to the owner ( XXXX XXXX XXXX ) via XXXX XXXX XXXX. Due to covid, the owner introduced himself and said he is unable to show the apartment in person. He mentioned he is currently in California and is renting out the place in XXXX. Due to covid, most sellers have been reluctant to show the apartment in person, so I can understand why. After several phone conversations ( XXXX - a XXXX  number ), he said that I can see the apartment once I put down the security deposit of {$900.00}, which was refundable if I do not like the apartment. 

I spoke to the owner on the phone asking detailed questions about the property. I went to see the outside of the property to make sure the description matches his listing. He had promised that as soon as I sent the payment, he would send the key via XXXX overnight. In order to secure the apartment, I ultimately paid the {$900.00} via XXXX at XXXX on XX/XX/2020. He noted that this was his late wife 's account. 

I had requested a tracking number, picture of contents of the envelope, and a photo ID. It's been over 24 hours. He has not provided any of these items. I never received the keys. I requested my deposit back, but I haven't heard from him. 

On XX/XX/XXXX XXXX, I called Chase and XXXX. Both refused to get involved without an official police report. Both banks have full details of the transaction, but would not act on it without a police report / local law enforcement involvement. Police precinct # XXXX in XXXX refused to file for a civil matter. Can you please help trace the funds at Chase and XXXX so I can recuperate the money back? I can provide all transaction details. Chase 's claims department is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, Myself and Co-buyer negotiated and entered into the enclosed Retail Installment Contract ( the First Contract ) with XXXX XXXX XXXX XXXX XXXX ( the Dealer ) to purchase a XXXX XXXX XXXX ( the First Vehicle ). Under the First Contract terms, we agreed to pay a total of {$20000.00} in 66 monthly installments of {$300.00} on or before the XXXX of each month, beginning XX/XX/XXXX. The same day, myself and Co-buyer negotiated and entered into the second enclosed Retail Installment Contract ( the Second Contract ) with the same Dealer to purchase a XXXX XXXX XXXX ( the Second Vehicle ). Under the Second Contract terms, we agreed to pay a total of {$17000.00} in 57 monthly installments of {$300.00} on or before the XXXX of each month, beginning XX/XX/XXXX. We also agreed to an Annual Percentage Rate of 22.99 % for the First and Second Contract using Credit Acceptance Corporation to secure the loan. During that time Credit Acceptance Corporation was not in compliance with state filings and other business requirements to conduct business in the state of NJ. Credit Acceptance Corporation Treasurer XXXX XXXX in fact filed a Certificate of Withdrawal with New Jersey Department of Treasury on XX/XX/XXXX hereby terminating the companys license to do business in the state of NJ as of that date. Therefore my loan was fraudulently obtained on XXXX XXXX due to Credit Acceptance Corporation being deceptive and unable to do business legally in state.

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 2020-01-29
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
while login on to my credit monitoring I noticed that a few accounts that was on my report 1.midland credit management {$740.00} 2.XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
XXXX  XXXX  is reporting I have a late payment on each student loan. Ive never missed any payments and this is incorrect. Id like proof of the missed payments since my payments are deferred and {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint on XX/XX/2019, with complaint ID XXXX, which indicated that XXXX  XXXX XXXX incorrectly put hard inquiries on my Experian credit report twice, on XX/XX/2019 and XX/XX/2019,  respectively, and XXXX  XXXX XXXX also incorrectly reported to Experian a credit card account that starts with XXXX which is not mine. 

After the submission, I received one letter from XXXX  XXXX XXXX saying that they request Experian to remove the inquiries on XX/XX/2019 and XX/XX/2019. However, only the inquiry on XX/XX/XXXX has been removed. The inquiry on XX/XX/XXXX is still on my credit report. 

Another letter from XXXX  XXXX XXXX says that their review determined that they " accurately reported to the consumer credit reporting agencies '' and considered my dispute resolved. It further states that my file may have been combined with the file of someone with a similar name and I need to contact the reporting agency directly to resolve the matter. 

Since the complaint was also submitted to Experian, they had already opened a dispute on the account that starts with XXXX. On XX/XX/XXXX, I was notified that the dispute results are ready and their reinvestigation concludes that this account should remain on my report, because " The company ( presumably, XXXX  XXXX XXXX ) that reported the information has certified to Experian that the information is accurate. '' To summarize, after a month of investigation and processing by both XXXX   XXXX XXXX and Experian, only one of the two erroneous inquiries was removed and someone else 's credit card account is still on my credit report because XXXX  XXXX XXXX determined that they reported accurately and Experian takes their words for 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 2017-04-12
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Im so tired of going back and forth. Someone is garnishing my social security. the notice said the funds are going to navient. I have XXXX loans that are defaulted. They are not with XXXX. I logged into the website and I see XXXX with XXXX, yet my garnishment states its going to navient. XXXX said they re not garnishing my check but someone is. Well navient called me XX/XX/XXXX to tell me I was 21 days past due and owed XXXX payment for my total loan of XXXX. I called them 2 months ago and left messages and I also applied for IBR over 30 days ago. She said my loan was 21 days past due and how did I want to make that payment. And then guess what after 14 years of deferement and forbearance just when I thought that was over they offered it to me again and never discussed my IBR application which I sent all the info in and have not heard anything. I am sure they could care less about helping me now after 14 years as they are getting my social security. so now I am in deferrment again and i am trying to get it all figured out and then they offer no help at all. they did not even have record of my IBR application that I got an email stating they had received. LOL

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I contacted Wells Fargo, who oversees Dillard Credit Cards, regarding lowering my 23.49 % interest rate. XXXX, the rep I spoke with, informed me I could apply for " another '' Dillards credit card with a lower interest rate ; however I would not be able to transfer my existing balance to the new card. I feel this rate is excessive. I have a good credit score, been a loyal customer for 20+ years and feel I am being taken advantage of.

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 2019-12-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a certified letter XX/XX/2019 asking " XXXX XX/XX/XXXX XX/XX/XXXX'' to provide me with A verification letter about A loan showing on my credit reportXX/XX/2019. The company does not list a phone number on the report, but instead lists a " By Mail Only '' so I assumed the address they are using is up to date and accurate. I received an alert on XX/XX/2019. stating that my letter was being " Returned To Sender '', because the address was " Not Known '' at the delivery address noted on the package. " If the information being reported is inaccurate it is illegal for it to be reported. Please help me have the company comply with the FCRA and either update its information that is being reported to the credit agencies or remove the information all together if they can't provide accurate information. I had 2 accounts lower my credit limits and 1 close altogether because XXXX XXXX XXXX XXXX is reporting incorrectly.

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 2017-04-12
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Around XXXX XXXX I encounter a family funeral expense and could n't pay my VA Mortgage on XXXX XXXX and I made contact with First Continental /XXXX. 
On a recorded conversation on a landline from my cell phone # XXXX with First Continental rep stated that I can be provided support on XXXX XXXX mortgage payment of {$1700.00}. 
I respectfully requested a deferment of my Va mortgage payment of {$1700.00} for XXXX XXXX and {$1700.00} be placed on my loan payoff, because my XXXX Agent XXXX of XXXX, Texas has listed my home for sale on the XXXX to payoff for the VA loan of {$250000.00}. 
First Continental Mortgage wants me to reapply for a loan modification or Forebearance? Why? VA Lender can just have the {$1700.00} on the VA Loan payoff once my home is sold. 
I been having issues with First Continental /XXXX since XXXX XXXX till Present and now I am selling my home.I have filed various complaints against VA Lender since XXXX XXXX till Present. 
As a XXXX XXXX XXXX Military Veteran I been going through a Discrimination and Retaliation with VA Lender. 
I am XXXX and Retired. 
VA Lender stated they do n't have a payment deferment, but they want me to do a Loan Modification for the {$1700.00} XXXX in which they can put that {$1700.00} on the payoff of the loan was my home is sold. 
Since my filed in XXXX, Texas Bankruptcy Chapter XXXX on XXXX XXXX and BK XXXX discharged on XXXX XXXX by Federal Judge. 
On XXXX XXXX I began making timely VA Mortgage till XXXX XXXX of {$1700.00}

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 explanation
Consumer complaint received 2020-06-21
Company: EQUIFAX, 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: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX CREATE A PROFILE WITHOUT MY AUTORIZATION. AND LIE IN ALL THE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2019 I filed a complaint with Paypal concerning a charge on my debit card. Paypal failed to  determine whether an error occurred within 10 business days. On XX/XX/2019 I contacted Paypal and asked if there was anything that I should do to complete the claim, to no avail. No provisional credit was provided and no determination of whether an error occurred was provided until XX/XX/2019 when my claim was first denied.. I request a final provisional credit be provided by Paypal. On XX/XX/2019 Paypal received additional documentation from me. On XX/XX/2019 Paypal merely said that the next update would be on XX/XX/2019, to no avail. I requested another update and on XX/XX/2019 Paypal said no provisional credit issued because of the nature of the dispute with merchant.On XX/XX/2019 in response to another request for an update from me, Paypal said my dispute not covered by Regulation E. On XX/XX/2019 again in response to, my request for another update, Paypal said it was not a billing error. 

Paypal violated 12 C.F.R. Sec 1005.11 ( c ) ( 1 ).

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 2022-04-29
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  Accounts has violated my Rights. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a senior citizen from XXXX. I got a student loan at the XXXX University XXXX in XXXX XXXXXXXX My only income is Social Security. I had been asking for forgiveness for the loan. For the last years, I had XXXX XXXX a wife with XXXX and no jobs available in XXXX. The U.S Department of Education prequalified me for forgiveness. And told me some papers were in the mail to be sent to them. But Navient the loan server asked me to start paying $ XXXX month. Then they placed me on the credit bureau, but I challenged them and it was deleted. 
The loan was for {$38000.00} approx. Navient says now that is {$58000.00} principal. And they had added about {$70000.00} in interest only. With my Social Security there is no way I could pay this amount until my death. My wife and I are married under a legal prenuptial agreement. We have separate accounts. I do not own any assets such as real-estate. 
Recently I lost a home which was given to me by my parent 's will. The bank made a foreclosure. Our home belongs to my wife, she got it before our marriage. It is my understanding that the feds. could not garnish Social Security deposits. 
Please help to find and honorable forgiveness, I got a XXXX XXXX and a XXXX was placed in my XXXX. I worked years ago with the XXXX but did not accrue retirement benefits. 
Please have mercy on my situation. XXXX Bless You? 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage company which is meant to be paying my property taxes has not paid XX/XX/XXXX and are late paying 1st installment of XX/XX/XXXX, they are showing an amount of {$5900.00} paid twice a year in the amount of {$2900.00} each payment, they only paid {$710.00} but they showed on my account they were releasing {$2900.00}, im now delinquent with the XX/XX/XXXX payment which is short {$2000.00} as i received bill for {$340.00} which i personally paid. I have been emailing and calling them since XX/XX/XXXX and i get no answer from them each time

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 2021-06-15
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2021 I checked my account and saw no payment due ( no photo available ). I was then dunned by telephone for the amount of {$83.00}. On XX/XX/2021 I again checked my account, which showed no payment due ( photo attached ). On XX/XX/XXXX I was again dunned by telephone for a past due amount of {$220.00}. 

In discussion with a supervisor named XXXX he stated that the online info is of no value, and that I need to go by the pdf file sent to me or available online. Any other info is meaningless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX though American Education Services loan has a billing disgrepancy and an error reporting. According to the loan statement dated XX/XX/2018. Loan for original balance XXXX total principal satisfied XXXX showing this information on the monthly statement.

When principal is satisfied the loan is paid and no further interest should incur. They are still asking for payments of $ XXXXfor a total XXXX at the time.

Still making payments but this should be a paid off loan if the principal has been satisfied I feel like they are trying to get more money out of me. Please have my account looked over for accuracy. I called but was not given a reasonable explanation as to the billing presentation on the monthly statement.

Company response to consumer: Closed with explanation