BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended digital craft in XXXX, GA on XXXX. XXXX is part of the XXXX XXXX XXXX XXXX, which is accredited by the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, a regional accreditation agency recognized by the U.S. Department of Education. 

I never received the mandatory private education loan applicant certification form or was made aware of alternative federal resources from my lender or school. Pursuant to Section 155 of the Higher Education Act of 1965, as amended, ( HEA ) and to satisfy the requirements of Section 128 ( e ) ( 3 ) of the Truth in Lending Act, a XXXX XXXX XXXX now known as XXXX XXXX Lending must obtain a self-certification signed by the me ( applicant ) before disbursing a private education loan. The XXXX is required on request to provide this form to prior to receiving the payment from the lender. At the time i initiated the loan application on XX/XX/XXXX, I was not given any additional resources besides skills fund loan program credit application.

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 2022-01-05
Company: U.S. BANCORP
State: CA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

( US BK 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 non-monetary relief
Consumer complaint received 2017-06-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries from Equifax that were unauthorized. Equifax do not want to investigate in to the situation for me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been contacting Kia since the beginning of XXXX that I have lost my job and I am struggling to keep up with payments I asked for a deferral and I was denied because they stated I havent made enough payments to qualify for a deferral I then continued to struggle to make the payments because I can not be out of vehicle because I have XXXX children. In XXXX I contacted Kia and spoke with a representative that escalated the call to a supervisor who advised me if I made one full payment I will be eligible for a deferral. I made the payment and called back in XXXX and they submitted the request for a deferral and it was denied. I wasnt able to pay because Im on the verge of being XXXX so I continued to try and try they contacted me in XXXX and stated that if I didnt make a payment today my car will be repossessed I only had XXXX dollars and they stated that wouldnt stop it had to be XXXX and if I made the payment I would be able to submit the deferral for 2 months so I called around got this money and went ahead and got it paid the following the day and asked the representative on the phone would I be able to do the deferment now and they stated no the payment has to be fully processed before they are able to do this. These calls are recorded and this is stated every time you speak to someone. Kia has not worked with me Ive lost my job because I was XXXX with XXXX  and now Im playing catch up and this company has been giving me the run around. I will be reporting this to the attorney general as well something needs to be done its no way possible that they consider this ma ethical way of dealing with business

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 2022-09-09
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in foreclosure the only option the lender told me I had was to do loss mitigation. I started that on XX/XX/2022 and they just kept dragging it and dragging it until I got a sale date. I dont think that that was fair to me and my kids. I was out of work for covid and wasnt able to pay anything. Every little bit I received I had to pay other bills as lights and water. So now they sold my house and my lender brought it and I have no options and no idea what to do except me and my kids be on the street. That lender is Cardinal Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX reported old debt as new to my Equifax credit report. I have NOT had a XXXX XXXX account since XXXX XXXX. I have not paid a bill to XXXX since XXXX XXXX. I XXXX the debt in Bankruptcy in XXXX in NC. The debt is more than XXXX XXXX XXXX NOW and I want it removed from my credit report in its entirety. DO NOT ADD A NOTE that it was included in Bankruptcy while leaving a balance owing is ILLEGAL. I want XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On or about XXXX XXXX XXXX and XXXX XXXX XXXX i called customer service to have my online profile deleted and they not allowing me to do so i no longer use online service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Accountname- XXXX XXXX XXXX XXXX XXXX According to the FCRA the term XXXX investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.

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 2017-06-18
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
I currently have   XXXX   inquires on my credit report that I have not given consent to.
1. On  XX/XX/XXXX    XXXX   XXXX   XXXX     XXXX   XXXX  , Fl.   XXXX   2. On  XX/XX/XXXX and  XX/XX/XXXX  Creditor contact details  XXXX    XXXX   XXXX  , Ca.   XXXX   3. On XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  4. On  XX/XX/XXXX    XXXX   XXXX    XXXX , Pa  XXXX  5. On  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , Ca  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Over a year ago I paid a year in advance for a web site hosting plan. After a few months and not completing the proposed project I took the lose and moved on. Then, out of the clear this hosting service tried to bill me for another year, in advance, for their service which I did not need. I contacted this company several times explaining that I no longer need or wanted their services, to no avail, as they never responded to my emails. Finally I called the company and the man I spoke with apologized and said he would clear their error. Shortly after this I noticed that this company charged my account. I called the bank, Chase, and explained what had occurred. They returned the funds to my account. Then last month the bank paid this hosting company again. Enough is enough! It appears that their customer service personal, located in 'never never land '', need better supervision. So, here I am again dealing with more foreign incompetent personal.Yikes!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17
Company: ENCORE CAPITAL GROUP INC.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX, XXXX XXXX XXXX  contacted me at work on my work line. I informed them that I could not accept personal calls at work and gave them an alternative number. I received a second call on XX/XX/XXXX18, and a third on XX/XX/XXXX18. I have informed them that this is a business line and I am not to receive personal calls, yet they persisted with asking me for information despite my repeated warning that this was a corporate line. They kept saying " It will only take a moment of your time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Upstart Holdings, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I filed a complaint against Upstart with the XXXX- in regards to interest, NSF fees for charges that they had on auto-payment when that's not how it would've been set up since I'm paid bi-weekly and dates change and it's too difficult to keep on going in changing dates. They removed interest fees but refused on the NSF fees. On XXXX XXXX, 2022 they attempted to take {$100.00} out of my account. They did not have permission for this charge. They had permission for a {$50.00}. The {$100.00} didn't go through because it was attempted yesterday and I don't get paid on Thursdays, so I wouldn't have done it for that reason, Also I had cleaned out most of my account due to fraudulent charges and my bank is in NY, I'm in XXXX So I also needed to be able to have access to my money. I've been waiting on my new debit card for just over a week. And if I scheduled {$100.00} why would I go back in and do a second charge for {$50.00}? So now on XX/XX/XXXX they are going to try and take {$110.00} out of my account that they don't have permission to take. They are constantly emailing with threats of interest charges, NSF fees, and a late fees. I regret ever getting a loan with them. I spoke with a supervisor who stated that the payment for the {$100.00} came from their side, not mine, but she had to dig into my file to find out how this happened. Really? Someone goes into my account and sets up a fraudulent charge? No. Not happening. I will change all my banking info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have a mortgage with Fifth Third Bank and was in good standing until I got a forebearance in XX/XX/XXXX after the pandemic began. I was given XXXX months of grace. In XXXX of XXXX, I applied for a loan modification as XXXX of my options for how to come out of the forebearance. They said the review process would generate a new loan agreement with a new monthly amount due. 
They started the paperwork and told me I would have a new mortgage payment deal set up in XXXX weeks. 
In XXXX, when I had not heard back, I called in and was told that they were backed up and that it would take another XXXX weeks. 
In XXXX, they told me my loan was still under review and that I would be receiving papers in the mail. 
In XXXX of XXXX, I called again, and again I was told my loan was under review, but this time, I was also directed to the XXXX XXXX XXXX where I could track my case. 
I saw no evidence of this on the site, but their representatives confirmed AGAIN in XXXX that they were reviewing my case. 
XX/XX/XXXX, I asked again for a response and was told that my case was still under review. 
Today ( XX/XX/XXXX ) I learned that I have been reported as being XXXX days late on my payments! 
I have screenshots of this exchange. I have asked over and over again if I ought to make any payments and was told that this would complicate the review process. I have constantly asked if this review process was going to negatively affect me and they ALL confirmed that my records clearly show that I am in process for a mortgage adjustment plan. Now, my credit score has dropped XXXX points and I have been marked for delinquent payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
When i called the credit bureau ask can i have a copy of my credit File ( not my report ). I was told it would be sent to me and i never receive it. This was over 30 days ago. I would like to know why i havent received it. If this suppose to be my credit FILE why I cant have a copy of my FILE. This goes against my consumer right.

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 2018-06-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
tried multiple times, credit repair companies. Will not fix. XXXX XXXX does not report amounts properly, mortgage goes up at certain points in reported. Reported mortgage late 2x 's in the past, they lost money in my escrow years ago by paying something they shouldn't have, and told me I have to call insurance company and following through for extra payment. It was there error. Then after trying to fix, now they report no data but wont fix. How can I prove proof of payment if they didn't process timely. Did payments online and over phone every time but if they didn't process correctly how can I prove I made the payment until they cashed or processes it. My mortgage is not in Foreclosure but treating me like someone who is. If all my payments do not go past 30 days for almost 10 years but 2 odd errors are there obviously Im not behind on mortgage. Most people default and it stays default. XXXX XXXX has such a policy of honestly lately. When questioning about my contract, and the terms, they told me I would have to send them a copy pointing out my insurance was prepaid when they have it. Just as much as the Fair Credit Reporting act is ... .. If they cant prove it, how can they report it and hurt peoples credit. There is no protection for the consumer. Your guilty to prove innocence. I have had the same problem with a few banks lately due to employee errors

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, 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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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 2021-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
We received a letter denying a request for a credit card for Kohl 's department store ( Illinois ) for excessive obligations from outside sources. Supposedly, XXXX agency out of XXXX, Texas, was the decision maker concerning this issue. We are insulted!! We own two homes, two cars and a boat outright and have no credit card debt. Our income is over 6 digits. According to the letter, our credit score  is XXXX! Kohls is the loser. We will never visit that store again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Avant Holding Company, Inc.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I reported fraudulent charges made to my account on XX/XX/22 when I received my monthly statement showing charges at a location in Singapore. I immediately called my card holder, Avant and advised the charges were fraudulent. 

I asked that the card be closed and that the charges be removed. Avant advised they would send me a new card and refer my report to their " investigation '' unit. 

A week later I followed up and the charges had not been removed and no statement had been added to my online account that I was disputing the charges and they were fraudulent. 

I then followed up with XXXX separate emails and a written letter to Avant asking that the charges be removed or disputed and advising them of my rights under the Fair Debt Collection Act, Credit Reporting Act and other consumer protection laws to dispute the fraudulent charges and not have to pay them while they were in dispute. 

Avant has refused to place these charges in dispute and has reported my new " balance '' to my credit reporting agency causing my credit score to drop XXXX ' points ( prior to this I had a XXXX balance on the card ). 

I have asked to speak with a supervisor and was told one would call me within 24 hours. That was a week ago and to date no one has called me. 

I believe Avant is intentionally delaying its so called " investigation '' to force me to pay for these fraudulent charges before my payment due date or have a late payment reported to my credit bureau causing my score to drop again.

Company response to consumer: Closed with explanation