BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ; ( XXXX ), XXXX XXXX XXXX ; ( XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company keep reporting inaccurate to my XXXX credit report I never signed any contracts with this company saying I will pay them never did they do not have my signature saying I agree to the debt they keep giving out a ups tracking number thats not even real this company is lieing to get by and keep reporting to my credit I will like proof that I own this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My mortgage was sold to Roundpoint mortgage service in XXXX XXXX. I have had continuing issues with my ability to pay my mortgage through their automated service. I continually called from XXXX XXXX through XXXX XXXX to find out why I could not pay my mortgage online nor would the automated phone system verify my account. It took an average of 20 minutes per call to have a new representative each time research the issue. At some point I was told that my social security number was not correct. It was verified that the paperwork they had was correct, but someone had entered it into their system incorrectly. I was asked to submit a copy of my social security card to show proof even though the documentation they received was correct. During that six month period I also contacted their consumer ombudsman, I never received any calls or e-mails from the ombudsman, until roughly three months later, which was a letter saying they have received my grievance. To this day I have not received any follow-up. In XXXX of XXXX the issue was resolved and I was again able to pay online. In XXXX of XXXX the issue resurfaced. I called on at least three occasions, one in XXXX XXXX, and twice in XXXX XXXX. During the first call in XXXX XXXX I was told I will receive a flow-up call in 24 hours, which never happened. On the second call in XXXX ( after waiting 30 minutes to talk to a rep ) I was told a supervisor will call me back in 2 hours. I also was assured by the representative, that as a consumer advocate, she will ensure it was followed through on. She even sent an e-mail with her info. I never received a call, I did send a reply email to her on the following workday notifying her I did not receive a call. I never heard anything back from the consumer advocate after three days waiting. In the two years I have had to deal with this company ( which was not chosen by me ) I have called to report the same issue over 10 times with absolutely no resolution. Lastly the social security number incorrectly input into the system has now been linked to me on my credit report.

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 2022-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Beginning of this month, someone opened a credit card ( last XXXX # : XXXX ) through my bank, BOA under my old last name ( XXXX ) & had sent to my old address. Filed a report with BOA fraud department.

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 2021-04-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with Guaranteed Rate who I paid off on XX/XX/2021. Guaranteed Rate sold my mortgage to JP Morgan Chase and sent them the payoff on XX/XX/2021. Chase is asking me why I am not paying my Mortgage I have explained and sent them the transfer paperwork from Guaranteed but they keep telling me to wait and call back. Chase calls me about 3 times a week about payment even though I have proven the payoff. It has come to a point that my credit is being threatened. I don't know what else to do. Guaranteed Rate will do nothing even though I told them that they were the company i was dealing with. They tell me that it is not their problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX  services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I filed a complaint with you guys back on XX/XX/XXXX and XXXX in the complaint department said on XX/XX/XXXX that they mailed me the resolution in the mail but as of yesterday XX/XX/XXXX I have not received any response from them and I have emailed her letting her know 3 times now but she hasn't responded to me. So this is a follow up complaint because they again lied apparently since I haven't received anything in the mail from them whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX the original account now held by SOURCE RECEIVABLES MGT, AS COLLECTION AGENT for acct. no.XXXX is guilty of fraudulent charges regarding this account. 
This is XXXX  third agent for this fraudulent debt.The previous two were XXXX XXXX AND XXXX XXXX.EACH CREDIT BUREAU received these disputes last year at XXXX  XXXX  AND XXXX.Each bureau has deleted this same debt for the same original creditor two times and now we have a third collector who claims to know nothing of the previous disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TRANSUNION. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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: Was not notified of investigation status or results

Complaint:
There are a few accounts on my credit report showing late payments that I don't believe I was ever truly late on! I disputed this with the bureaus on XX/XX/XXXX to try to remove these or even get clarification from the bureaus/creditors why they were reporting me late. I never received any communication from anyone so I attempted again on XX/XX/XXXX. Once again, still no responses or communications from anyone. So now I am filing this complaint because I do find it hard to believe that the bureaus wouldn't communicate with me in 4 months. This is hindering my future immensely!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: TN
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:
The credit bureaus stated my account ( XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the date opened is inaccurate, the account detail type is inaccurate, high credit is inaccurate, the credit limit is inaccurate, date last reported is inaccurate, last date active is inaccurate, and the date od last payment is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: DISCOVER BANK
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received upwards of 20 calls in ONE week from Discover Card regarding a debt owed by XXXX XXXX. My XXXX mothers last name was XXXX, however her first name is not XXXX. I called Discover Card after receiving five calls in one day. I advised that XXXX XXXX does not live at this address, and asked if someone had used my moms information - since they were calling her number with the right last name. They advised they could not disclose that information, or the nature of the call. I verified with them that the number calling me was them, and they advised it was. I asked them to stop calling since my mom is XXXX ( going on 7 years ), this is not her debt, nor is it a debt for anyone at this number. The harassing calls continued to the point that I needed to disconnect my phone number. I have XXXX small children and the constant phone calls throughout the day were interrupting their sleep time, not to mention, they were harassing due to the sheer volume of calls received in a day and week. It was nearly one month ago that I called Discover and asked that they stop calling me however to date, these calls still continue. I was notified today by my old phone carrier that another voicemail was left on the old number around XXXX. I am upset that these calls continue. I am upset I have had to cancel our old phone number and get a new phone number, and I am upset that Discover refused to tell me if my XXXX mother 's information had been used - yet they continue to call me an obscene amount of times. That phone number had been my number for 31 years - this was a difficult decision to make, and I do n't feel that Discover should be able to harass me in the way that they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
My wife ( XXXX XXXX XXXX had a lease with XXXX XXXX. We decided to purchase the vehicle at the end of the lease ( we are a few months away. When we contacted the dealer- the direction on the website- they told us we were REQUIRED to finance with the dealership or someone they refer us to. That is not in our lease agreement and the rates were much higher than what was available to us from other sources. 

When I called XXXX XXXX they told us this was a common occurrence at the dealership - common enough that XXXX XXXX had decided consumers would not have to deal with the local dealership - and XXXX XXXX professionally handled our transition from a lease to a loan with XXXX XXXXXXXX XXXX XXXX. 

I spoke to the Area Manager for XXXX XXXX- and he said he knows this happens and they are working on it? I told him that is an outrageous answer - people that are defrauding their clients should be fired! Basically the people at XXXX XXXX -including the sales person and business manager lied to us about our lease agreement to trick us into taking a loan with one of their partners so - in their words " they could make some money on the loan '' ... They didn't just try to sell it- they said it would be required - and they would sue us and attempt to rescind the purchase if we got a loan with another financing agency. 

I am sure they would catch some people in this net but it is fraud, illegal and clearly unethical. 

We had to spend additional time to get this completed ( which it now has been completed ). 

We believe some compensation for us is in order ; and some sanctions against the dealership should be imposed... 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
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 information incorrect

Complaint:
I have a tradeline or account with XXXX 's that according to them was reported approximately 2 months ago ... a credit card ... and I do not see it being reported on my reports I want this corrected, and reported ... this is unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
According to XXXX XXXX a capital one credit credit card was opened in name. The person used the address of XXXX XXXX in XXXX which I have never lived at. I am currently disputing this address on my credit report, as well as the credit card. Over the years my wallet and ID have been stolen and I believe this is one of those times. The amount owed is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: TCF FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
on XXXX XXXX, XXXX I went on line as I do every month to pay XXXX XXXX credit card payment of {$63.00} there was a glitz on line and and they read XXXX and they got that from the chemical bank as a loan of XXXX and my XXXX XXXX  check in the bank was only {$150.00} so now XXXX XXXX have XXXX instead of XXXX and chemical bank gave that to them and now chemical bank has taken my XXXX XXXX check and I have no money to pay my bills or buy anything and chemical bank is hounding me to pay over XXXX back because my XXXX XXXX card had only XXXX that I owed and XXXX XXXX returned XXXX back to chemical bank and chemical bank is trying to make me pay them.

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 2019-11-21
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My loan was in default initially, XXXX and now shwoing XXXX, I'm XXXX years old making XXXX this year, all of a sudden I am getting these high payments and my credit score was destroyed. I was having my taxes garnished every year as payment and i was ok with that but now i dont know what to do. 
XXXX XXXX  Last reported XX/XX/XXXX {$77000.00} Reported balance Highest balance {$16000.00} You've paid off -382 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$16000.00} Monthly payment {$490.00} Opened XX/XX/XXXX ( 11 mos ) Term 360 months ( 30 years ) PAYMENT HISTORY You've made 22 % of payments on time Payment status 120-149 Days Late Worst payment status 120-149 Days Late ACCOUNT DETAILS Account status Open Type Education loan Responsibility Individual Remarks Dispute resolved ; customer disagrees Times 30/60/90 days late 0/1/6 CONTACT INFO XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX See a mistake? You have a right to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In  2001 ,  XXXX   XXXX    XXXX   issued to me a  XXXX  ending in xxxx  XXXX .     The ir 30-day la te payment notice is still on my credit report.     I believe the statute of limitations has passed.     So I have tried to have this late payment removed. My lawyers have also filed numerous credit bureau appeals.  XXXX   XXXX  and their new credit card department in  XXXX   XXXX   (   XXXX  was acquired by  XXXX  ) refuse to remove this damaging statement from my credit report.

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 2017-10-18
Company: DCI Credit Services, Inc.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted the business as soon as I found out about the check being dishonored. The amount was XXXX and we paid the business XXXX the business and I agreed to. We have now been contacted by DCI credit services of XXXX north dakota to pay the XXXX and a XXXX dollar fee. When I contacted them to tell them we paid the company they told me it did n't matter we still had yo pay the fee after we already paid one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
close my account with no explanation Frozen one of my accounts with no explanation I've had checks bounced I've had my car almost repoed my kids have set and with no electricity for hours in a hot house cuz I can't pay my bills they have told me story after story my account was closed because of this then my account was closed because of that and that my account was never closed for any reason at all.now the baby should be a check a month later after he crying and screaming and begging the ticket stolen now they won't pay me my money they're saying it was cashed when it wasn't or if it was it won't tell me who did it it's craziness

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 2022-06-10
Company: Experian Information Solutions Inc.
State: TN
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:
The credit bureaus stated my account XXXX XXXX Bank XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the account type is inaccurate, high credit is inaccurate, the payment status is inaccurate, the date last reported is inaccurate, date last active is inaccurate, and the date of the last payment is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was never offered the income driven repayment. I was told only forbearance for years. This has substantially increased my loan amount.

Company response to consumer: Closed with explanation