BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, 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 2022-08-02
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Hi, My name is XXXX XXXX. I am XXXX  who owns my own company called XXXX XXXX. I was denied credit at San Diego Credit Union for a car loan. They said my credit was XXXX, when my account show my credit is XXXX ( XXXX ), XXXX ( XXXX XXXX ), XXXX ( XXXX ). I am filing a complaint against the Credit Bureaus. They are giving inaccurate credit reports on this file. Please check into this if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquires on my credit report that i never applied for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Atlanticus Services Corporation
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello have fortiva credit card wanted it closed told me they closed it then sent new card! When i made phone payment they REFUSED to give me confirmation number we cant do that said they would send email they dont! They wont send a BILL say i have to request one! Switch me to another dept that never picks up now they say im late and are adding late fees Ive never run into this before is this even legal??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a refund from Aidvantage at the end of XXXX ( about two weeks ago ) and confirmed that I would be receiving a refund on all my loans held by them and would be getting the money in my account in 6 weeks. It has now been about 8 weeks and I can see the loan balance restored on my account, but I have not received a refund and I have not been given any clarity about how I would be receiving the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, 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 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 2021-08-03
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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My JetBlue credit card issued a refund of {$23000.00} on XX/XX/XXXX. The check was valid for 90 days. I was in XXXX from the end of XXXX to XX/XX/XXXX so by the time I got back and discovered the check it was past the 90 days. The next day I called the credit card company and notified them and was told that they would reissue the check. On XX/XX/XXXX I called the CC company again to find out the status if the reissued check. I was given a complaint code XXXX. The following day I recieved a copy of the check issued on XX/XX/XXXX. I don't know why they sent it since I never disputed that the check was recieved. The issue is that I by the time I got the check it was invalid so I would not even attempt to cash it. 
I am hoping that you can get JetBlue to reissue my check. Also I have closed my account with them. I have given up on trying to access my account on line. I want my bill MAILED to me as I understand that I have a final payment for them of over {$1.00} XXXX, but not as much as they owe me. I don't intend to pay this bill until I get my refund, and I'm not expecting to pay any late fees due to them holding up my refund because that would just be totally unfair. 
Thank you for your time and assistance

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 2022-01-04
Company: Fay Servicing, LLC
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Fay Servicing is a new debt collector where my loan is now in there hands as of XX/XX/21. Previously XXXX was mortgagee. The situation has gotten from bad to worst because these " So Called Investors '' want to take my home so they hire people like this. I am doing all I can to try and save my home. 

I am so afraid because the reviews are so bad on this place, I could not even file a Better Business Complaint because they were overwhelmed. I am going to complain to the Attorney General as well because i am concerned about their unreasonable fee schedule. 

I have been trying to talk to someone on my loan on a weekly basis since XX/XX/21. I was assigned an account manager by the name of XXXX XXXX. She NEVER returned my called it is imperative because I am trying to get my loan current now ( meaning XXXX ). I need a human to speak to in a position of authority. The representatives I have talking to are rude and nasty. XXXX gentleman in particular, went off on me on the phone when I asked about the difference in payment for XXXX, where it looks like they are charging me on the there statement and the XXXX  payment for XXXX is lower. When I asked him he said they would be doing their own analysis and my payment would probably change. This is a scam because I was told when everything transferred over it would mirror the same. This issue needs to be looked in to. I just talked to someone by the name of XXXX XXXX who claimed he would assist me. He also stated there would be no fee if I paid over the phone. I emailed him and yet to receive a response. 

I just had a XXXX XXXX and can not take all of this pressure. I need someone who take there job seriously. I want to make a payment on my loan at the end of the month and there is no option online for me to do it. Also, I had no late charges with XXXX because I had an arrangement to get it caught up. I ask for help in this matter as time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
{$9400.00} XXXX, XXXX XXXX. XXXX XXXX {$4000.00} XXXX {$1000.00} XXXX {$2300.00} XXXX PORTFOLIO RECOV ASSOC . Try to solve with them, no help. These collection agencies are altering the dates on the accounts, so it never goes away from my credit report.This is affecting my family welfare directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I sent a certified letter to XXXX XXXX XXXX XXXX on XX/XX/2021. The letter included a notarized Affidavit of Truth including Exhibits A, and B., and a Cease & Desist Letter as well a an invoice for violation of my Federally Protected Consumer Rights under 15 USC 1692 in the amount of {$3000.00}. The Law firm is in violation of the following : *15 USC 1692g ( c ) *15 USC 1692g ( d ) *15 USC 1692i ( b )

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 2021-08-03
Company: LD Holdings Group, LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
in XXXX of 2021 I received a tax exemption on my property taxes. In XXXX of 2021 I sent a copy of the exemption to Loan Depot and requested an escrow account review. They told me they couldn't do that without knowing an amount. My Borough sent them a letter stating I received an exemption. nothing happened and they were not interested in correcting my over payment to escrow. 

On XXXX XX/XX/2021 I sent them my new tax bill which showed my taxes for XXXX to be {$170.00} for the year. ( my exemption is for {$210000.00} in assed value ) I requested an escrow review and then I received notice that my payment was going up because I supposedly had a shortage in my escrow account. I contacted them again repeatedly. I asked to speak with a supervisor and they told me one would call to day but have not heard from anyone. When I call and ask for a supervisor i am told one will call me but no one does. 

I can't get through to these people that i am overpaying into my escrow and i have an overage in there not a shortage. they dont seem to care and want my money so they can use it to fund other loans. they pride themselves in good customer service but i have received the worst customer service ever in my entire life and nothing seems to get through to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, 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:
Dear Equifax, According to the Fair Credit Reporting Section XXXX ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature on it you have of the accounts listed below. However, you did not provide proper verification the last time I requested this verification. You wrote back saying the item had been verified but this is not a lawful verification. I will be taking this matter to my attorney if you do not take care of this immediately. 

Your failure to positively verify these accounts has hurt my ability to maintain a proper credit score. Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card P Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. I have provided proof of my identity so you have no excuse to come back with an illegitimate verification. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My original loan balance was {$14000.00}. On XX/XX/2021, I made a payment of {$3000.00} to Mohela, so my current loan balance must be {$14000.00} - {$3000.00} = {$11000.00}. But as of right now, the current loan balance shows the incorrect amount of {$13000.00}, instead of {$11000.00} ( {$11000.00} is the correct loan balance after my payment of {$3000.00} ). The unresolved problem is that my entire payment has not been applied to my loan balance and {$1800.00} is missing. 

On XX/XX/2021 and XX/XX/2021, I contacted Mohela about the incorrect loan balance and the missing {$1800.00}, but Mohela refused to resolve this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: SYNCHRONY FINANCIAL
State: GA
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:
On XXXX XXXX XXXX at XXXX - my XXXX computer account shows XXXX date as XX/XX/XXXX, and my XXXX shows the date as XX/XX/XXXX - someone, or some group purchased XXXX temporary tattoos through my XXXX account, which were charged to my XXXX credit card ( Synchrony Bank ). XXXX of them were " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' and XXXX of them were " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' The XXXX account handles that they were sold by were XXXX and XXXX, both of which are no longer registered accounts with XXXX. The charges added up to {$690.00}. It is absurd that I would order XXXX such Tattoos at XXXX on a Tuesday ( XX/XX/2022, was a Tue ). At some point in XXXX, XXXX emailed me that they suspected fraud and/or unauthorized purchases, and so they closed my account, and they made me change my password. I called and suspended my XXXX credit card. After XXXX attempts to resolve and reverse the dispute, the investigation department said they believed I did not make the charges, but because the tracking number or XXXX order said it was delivered, they were not able to reverse the charge. The product never did arrive to my house. ( I'm to sure how the hacker was able to upload tracking ). It is is true that XXXX of the XXXX tattoos, say they were delivered. XXXX of them do not show that they were completed, and I sent screen shots of this to the investigation team. The products showed that I paid in XXXX dollars, and that it was shipped on XX/XX/XXXX, but if they were coming from XXXX they would most likely not get here by XX/XX/XXXX, as shown on the tracking. I explained to the company that I would not order XXXX and XXXX of the same Tattoos at XXXX on a Tue!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: LEXISNEXIS
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: Account information incorrect

Complaint:
I didnt not want this credit card because the limit they offer me is too low {$500.00} limit sucks and I want this account to be reported as close and I filed a dispute on the credit card twice with XXXX and it was rejected twice within days and I dont want this credit unless they increase the limit to {$1000.00} witch they wont .. the credit bureaus wont report it closed.. 

Second complaint is that XXXX has put tons of hard inquiries collections on my Lexus Nexis and I need have those removed because I didnt apply for any loans or have any past due loans under my name The current balance on this credit card is XXXX dollars Account number ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I, XXXX XXXX XXXX, XXXX has tried for nine months and file six complaint to Consumer Financial Protection Bureau ( CFPB ) to no avail. They're trying to transfer my loan to XXXX XXXX  but has stated that they have only five payments from me. I have never been connected to a company so incompetent as Dovenmuehle/XXXX XXXX, all veteran of the XXXX Forces please be aware and never get involved during business with these two companies. This company place my loan into forbearance without my knowledge as they were suppose to be working my complaint. If, they tell you they're faxing your documents over to investigation department please be advise you're screwed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX of XXXX I purchased my XXXX XXXX XXXX model with credit and they charged me monthly for payments. I recognize that Ally Auto is a third party on this auto transaction due to the fact that I am the original creditor and only creditor. I have sent out an affidavit of truth stating my rights on this alleged debt and exercising my rights for payments to be issued back to me the original creditor and for car lien title to be sent to me with remaining alleged debt to be removed on all third party reports.

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 2022-08-24
Company: EQUIFAX, INC.
State: FL
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
FedLoan currently holds all the loans that I finished paying before the loans were transferred to XXXX. I called at the end of XXXX ( about two weeks ago ) and confirmed that I would be receiving a refund on all those loans and would be getting the money in my account in 6 weeks. It has now been about 8 weeks and I still have not seen the money and I can not see any open loan balances in my FedLoan portal.

Company response to consumer: Closed with explanation