BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: NC
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:
In XXXX, 2022, I notified XXXX XXXX XXXX by phone of a error/fraudulent charge on my XXXX card ending in XXXX. I was told at the time that XXXX had cancelled the card and they would issue a new card. I would only be responsible for the valid charges. Immediately, XXXX cancelled my on-line access to the card, so I had no way to determine if any other fraudulent charges had occurred. About 3 weeks later, I received a new card ( XXXX ) but had no access to it. I subsequently got a notice that I was late on the payment of the card and it listed an amount that did not seem reasonable. In XXXX, I called into the XXXX call center. I remained on hold for approximately 30 minutes and when the line was picked up, the representative could not delineate the source of the charges. I still had no access to my accounts as neither card appeared on my login screen. In XX/XX/2022, I received further collection notices from XXXX and an independent collection agency. I also received a notice from XXXX that my XXXX score was decimated. They had dropped it from XXXX down to XXXX in just two months. I called XXXX to complain and I was told that there were now two late charges. After discussing the matter at length, I was told that a supervisor had approved both late charges to be removed. I visited a XXXX branch and was informed of the charges on the credit card - Including one additional fraudulent charge for {$100.00} and the 2 XXXX late charges were still on the card. The local branch gave me access to the account and I paid off the full amount - less the late fees that were to be removed. I contacted the vendor that had billed me the {$100.00}. They admitted the error and sent me a check, since the card they had used was now closed. I continued to receive late notices on the late fees from XXXX. I called again and was sent to the " Escalation Department ''. This should be called the De-escalation Department. They have done nothing to resolve my issue and have needlessly delayed all efforts to get this matter resolved. I have called them many times. They always say they will return calls within 24-48 hours and NEVER meet those commitments. The sad state of this matter and the purpose of this complaint is that I did the right thing by reporting a fraudulent charge according to the XXXX XXXX system. For that, I have had my XXXX score wrecked and wasted countless hours on the phone and in the branch, explaining and re-explaining my problem to no avail or attempted resolution on the part of 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 2022-08-16
Company: EQUIFAX, INC.
State: PA
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:
I am a natural person. I am a living human being ; I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 And they VIOLATED my rights numerous of time. I DEMAND the accounts listed below be removed Because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX 2017 around XXXX to XXXX I visited the ATM machine at Chase Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX. I deposited cash into the machine in three separate stacks because I knew the machine could n't handle so many bills at one time. The first stack was counted and then the second stack of bills was counted. When I hit add more cash for the third stack of bills and I inserted the remaining bills I had which were all in the form of {$1.00} the machine continued to count for a few minutes before it completely stopped with an error message and printed out a receipt saying to call the XXXX number. I called the number and informed them I inserted between $ XXXX in the machine and they asked me about certain codes located on the receipt. Chase gave me a temporary credit and told me they would investigate. On XXXX XXXX 2017 I received an email stating : " We 've thoroughly researched your dispute and wanted to thank you for providing your information. We decided the account transactions you reported on XXXX/2017 were correct. We will reverse the temporary credit of {$400.00} on XXXX/2017. '' This email did not make sense to me so I figured I 'd just wait it out and see what happens. On XXXX XXXX 2017 the credit was reversed and the {$400.00} was taken from my account. I called Chase and spoke to customer claims and they stated that the machine was opened twice and there was no extra cash in the machine and there was nothing that Chase could do to help me. I stated that the ATM has camera 's that can see me making a deposit and the Rep. said they can only prove that I was there but not prove I was making a deposit. When asked who opens the ATM 's to inspect the extra cash the representative stated that the branch manager as well as the techs inspect the inside of the machine. I immediately called the branch manager who said that was false information. I am very upset as this is complete fraud. I am a XXXX year old XXXX XXXX who works 50+ hours XXXX XXXXXXXX XXXX XXXX in order to make ends meet. I never thought I would be a victim to a bank. There 's no other way to prove what happened other than the ATM camera 's and the codes I gave the claims representative on the night of the incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07
Company: Works & Lentz of Tulsa, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/20 I received medical care at a walk-in facility. I filled out intake information with personal details including my address. I provided insurance cards for both my health insurance plans. I did not pay at time of service. 

On XX/XX/20 I received a phone call from a collection agency discussing the debt. I called them back on XXXX. They confirmed over the phone that a notification was sent to a particular address. I do not live at that address. I called the billing department for the medical facility and gave me the particular address that was incorrect. 

Had I received a bill for this, I would have paid immediately ; before it was submitted to collections. I have the means to pay this bill and the intentions to settle the account ASAP.

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 2018-05-31
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: Old information reappears or never goes away

Complaint:
I checked my credit report after paying off two accounts that stated I owed monies on them and saw that the two accounts that were paid in full was still on my credit report. The accounts are XXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$1100.00} and XXXX XXXX XXXX XXXX in the amount of {$80.00}, these accounts were paid in full and are reported still on Experian, XXXX and XXXX. I would like these accounts to be removed as they are impacting my credit report negatively as they have been paid.

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 2020-08-19
Company: Consolidated Management Group, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company sold my debt to another company who has hired a recovery agent who has called family members did not gave any info who he is was threatening with arresting me etc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage through NewRez financial. They used the wrong parcel number in paying our property taxes through escrow, and did not notify us. I received a notice from our county that our taxes had not been paid, and that a lien would be placed on our house. 

I have reached out to NewRez for two weeks to resolve this, with no progress. They are not sharing any information, and they have not connected us with the appropriate departments to get this resolved. 

We have had significant interest added to our tax bill due to their error, and we are very concerned about resolving this issue before a lien is placed on our home. 

I have also reached out to corporate leadership as a last ditch effort to have this addressed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: General Motors Financial Company, Inc.
State: FL
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:
Hello, In XXXX of 2021 I applied for a credit card loan through a used car company " XXXX XXXX XXXX ''. I approved the company to pull my credit report one time yet I had 4 hard inquiries pulled within the same few days by the dealership. When I complained they said that all 4 would be reported and affect my score as if only one was pulled. Now, many months later when I am looking into buying my first house, the 4 hard inquiries are still affecting my score. Please advise on how to reduce these 4 back to 1. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

XXXX XXXX XXXX - XX/XX/XXXX AMERICREDIT XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Thank you greatly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had loan with XXXX XXXX. The collection lawfirm that broke the law and committed fraud is Jefferson capital systems. My social is. They claimed to serve judgement to me through my wife and thwy lied. I was XXXX  from XXXX. To XX/XX/XXXX. They said they served me on XX/XX/XXXX. This is intentional fraud. My wife was not home and never talkes to any man at the home. She will testify in court. My full name is XXXX XXXX. My birthday is XXXXand the website you can confirm this at is XXXX in florida. This is a easy win for a lawyer. This company already has a classaction suit. Please provide lawyer who will prosecute. There is no other adult in my home they couls have talked to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: WA
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 filed for student loan forgiveness in  XXXX  and final approval for it was on  XXXX   XXXX ,  XXXX .I got letters from t he U.S. Treasury that  they were going to start taking money out of my  XXXX   XXXX  check in  XXXX    XXXX  . I called and spoke to Navient and  XXXX   XXXX   XXXX  also about it and kept getting the run around. I told both of them that I had letters from them stating all was cleared, kept getting well when  XXXX  sends a letter stating all is forgiving we will stop taking money from you. Then I get hold of  XXXX  and they say the opposite of what Navient told me. So I got money taken out in  XXXX  of this month and again they are taking money out this month.   I called and spoke to a lady at Navient yesterday and was on the phone for over 45 mins and kept getting put on hold. She said one second please and it was more the a second, I hate it when people saids that. So finally she comes back on the phone and said we are updating your information just now and call back tomorrow. Same ole story on hold from  XXXX  and then get yes you were approved and it was just up dated yesterday. There is a process for a refund going on right now, and it will take up to 30 days for th e Dept of Treasu ry to stop taking money once we send it to them. I wish that both of them could get in serious trouble and fined and the people they are  XXXX  gets quadtriple the money back they took. And that they will continue to take money out until then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed some inaccurate information on my credit profile. It is not mine please DELETE all inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've reached out to Exeter finance Corp on several occasions as well as all 3 credit bureaus to advice this account with Exeter is fraudulent and was open under identity theft. I've sent in numerous police reports and notarized affidavits for over a few years now! This a violation of the fair reporting act! XXXX and XXXX XXXX have complied and removed the erroneous account, but Exeter and XXXX haven't which has put a major hindrance on my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen took over our loan from Litton in   XXXX  . The interest rate on the ARM went up & we co uld n't afford the monthly payment. In   XXXX   XXXX    Ocwen ga ve us a modification at 2 % fixed and {$2700.00} payment which we could afford. In   XXXX   XXXX    Ocwen raised i t to {$3400.00} per month citing negative escrow balance. I called & they said my property taxes went up. Me and my wife work long hours, & it 's tough to find time to make phone calls or go to offices. I managed some time & went to    XXXX   XXXX   Tax  Collector 's office. I was told the property taxes have n't gone up & have stayed at about {$8000.00} per year. After several back & forth phone calls to  Ocwen, th ey could n't explain the reason for payment increase. They asked me to write to their research office in Florida. In    XXXX   XXXX    I sent them a letter asking for details on the negative escrow balance. They never responded.     In    XXXX   XXXX     Ocwen offe red us a modification & we made  two  trial payments of {$2400.00} eah in   XXXX   &  XXXX . They sent us the agreement to be signed and sent back with the last payment. Ocwen was raising our interest rate & adding a balloon payment of {$120000.00} which was never disclosed to us at the beginning. We did n't sign the agreement.     In   XXXX   XXXX    Ocwen ra ised our payment to {$4100.00} of which {$1900.00} is principal & interest & {$2200.00} is escrow. I called them & tried to get the details of how our escrow went negative when the taxes are included in the payment & are paid regularly, but they have no clear answer. We ca n't afford it and they have sent us a default notice.   This is me and my wife  's one &  only primary residence where we live with our  XXXX  kids  XXXX  &  XXXX , & my parents  XXXX  &  XXXX , & we will be in great distress if we lose our home. We are working with Save Your  Home Californ ia to help keep our home. I want to know the reason &  Ocwen t o provide proof as to how our payment went from {$2700.00} per month to {$4100.00} per month in less than 3 years.     On Friday,   XXXX   XXXX  , I read news about the lawsuit CFPB filed against  Ocwen. T hat made me realize that we are not alone. Thousands other families have similar problems. Then I visited this website to file this complaint.

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 2021-11-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or around XX/XX/2021, I disputed inquiries from XXXX XXXX XXXX XXXX ( XX/XX/2021 ), XXXX XXXX ( XX/XX/2021 ), XXXX XXXX XXXX ( XX/XX/2021 ), and XXXX ( XX/XX/2021 ) with Equifax to no avail as evidenced by the return receipt. In addition, I contacted the creditors via written correspondence as evidenced by the return receipts, and they could not verify that I completed an application with them. Equifax failed to investigate this matter or show me any proof illustrating that these creditors had a permissible purpose to access my credit file ; and as a result, my credit has been adversely impacted. Equifax failed to confirm that the above referenced creditors had a permissible purpose to access my credit file. In fact, I previously disputed an inquiry that Equifax allegedly verified, but the company, XXXX XXXX, communicated that it was an error and it would be removed as illustrated by the enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Bank using account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-04-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent Equifax credit report, I noticed credit inquiries that I did not authorize, made by the following companies : INQUIRIES : 1.  XXXX  Date Filed  XX/XX/2015    Type Miscellaneous Utilities Phone Number MAIL ONLY Address  XXXX   XXXX   XXXX   XXXX  MAIL STATION  XXXX   XXXX .  XXXX   XXXX   XXXX  Date Filed  XXXX / XXXX /  XXXX   Type Automobile Dealers, New Phone Number (  XXXX  )  XXXX  Address  XXXX   XXXX   XXXX   XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act  XXXX   XXXX  ( c ) and a serious breach of my privacy rights.   Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Sent debt validation letter XX/XX/XXXX to Portfolio Recovery requesting that they provide me with the wet ink signature contract, purchase agreement from the previous creditor XXXX XXXX as well as a copy ( s ) of any documents that show I agreed to pay Portfolio Recovery what they say I owe. I received a generic letter back from Portfolio stating that they purchased the debt from XXXX XXXX but did not provide me with a copy of the wet ink signature contract, purchase agreement as well as any documents showing that I agreed to pay them what they say I owe. XX/XX/XXXX I received additional documents from Portfolio Recovery stating that this was their proof of validity. The documents sent is a copy of an old billing statement. Removal of this debt off of my credit is imminent due to no validation on the part of Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Experian Information Solutions Inc.
State: TN
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:
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent certified letters in  XXXX  in regards to this issue and have not heard back from Experian,   XXXX   and  XXXX . They are all dated for the year  of 2016. I would like for the below inquiries to be deleted. '' I have explained myself about the the email system o f   XXXX   being breached. I even had to call to remove addresses that I 've never lived.

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