BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: IL
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:
Im reaching out because, I formally tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. They were initially provided with documentation of an affidavit to report the identity theft. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: FL
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: ORG GC GP Buyer, LLC
State: NJ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a few accounts with XXXX XXXX that were taken out during my XXXX studies between XXXX I have a few issues, one being that my identity was stolen and an ex friend stole my personal information and cosigned a loan verbally/electronically and I do not feel I should have to pay that specific loan but when I spoke to XXXX XXXX about this. They stated that it 's more or less my problem. Recently I 've been getting calls on my phone from XXXX stating that they are seeking to get payment for my navient student loans. I did not answer initially not knowing it was them. Then Wednesday my manager says that I have a call ( I work at XXXX ). I answer and it 's the same company XXXX. I asked them " why would you ever call my job and basically risk my job '' and her response was " we were trying to reach you by cell and you did n't answer '' I stated I no longer want calls to my job because I received a verbal warning from my employer for receiving a personal call. Out of fear of embarrassment I did n't state it was a debt collector. I called back later that day and discussed some options with them. One being buying the debt out for a percentage of the debt. I inquired with her if this " would cover all my navient debt or not '' and she stated she did n't know. So I asked how could she not know being navient sold her this debt and again her response left much to be desired. The sum I owed was in excess of {$6800.00} with the settlement being {$2500.00} and when I stated I make {$110.00} a week she said " you can always ask friends or family ''. The conversation ended soon after that. Yesterday I called them and asked for verification of the debt in writing as I do not want to pay {$2500.00} and in a few weeks have someone else claim to now own this debt. She stated once I pay they will send me the paperwork that states the " debt is paid off '' and I said that I refused to pay until there is something more tangible for me to ensure for my records prior to handing them a check that this is legitimate. And her reply was " you ca n't get what you want, this is how it goes ''. Something along those lines. To which I hung up. I want to do this the right way and between calling my job and then not providing any notice that they actually own my debt and this will make this debt go away aside from a phone conversation. I feel I do not have to pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: IL
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:
Im reaching out because, I formally tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. They were initially provided with documentation of an affidavit to report the identity theft. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!

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 2016-03-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was notified from TD Bank that they will begin " processing transactions chronologically '' instead of processing deposits FIRST on a daily basis, effective XXXX XXXX, 2016. This will result in people who do not have enough money to keep a buffer in their savings account, or have to live paycheck to paycheck, being penalized for being poor. This feels like an attack on the working class, and they are unapologetic about it in the very same notification letter : " If you rely on deposits posting first to cover your daily expenses, this change may result in more overdrafts. '' It is a crushing and condescending letter that makes me extremely upset. It is my hope that the CFPB can take them to task and get this devastating new policy that will definitely not make one " More easily manage your personal account. '' Reversed. The letter is signed by " XXXX XXXX, Senior Vice President '' Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I have gone back and forth with this company about fraud accounts in my name, and it force be to file for Bankruptcy to try to clear this matter ... ....

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 2020-04-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
see attatched ID THEFT case XXXX XX/XX/XXXX USAA Rep XXXX CONFIRMS " YOU HAD NO FRAUD REPORT XX/XX/XXXX YOU HAD DISPUTES ** THEY WERE NOT IN YOUR FAVOR. see attatched CREDIT CARD FRAUD CLAIM LETTER dated XX/XX/XXXX CLAIM DATE XX/XX/XXXX {$470.00} CONFIRMS UNAUTHORIZED TRANSACTIONS DID OCCUR & TEMPORARY CREDITS MADE PERMANET. XXXX has finally explained WHY THERE ARE NO USAA CREDITS TO MAKE PERMANET. ( *** USAA DENIED MY RIGHT TO REPORT FRAUD XX/XX/XXXX. *** ) USAA HAS HELD ME LIABLE FOR FRAUD SINCE XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are unauthorized inquires on my report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have called transunion about this issue and there has been no resolution. I have no knowledge of these inquiries. 

XXXX XX/XX/XXXX Is also on my XXXX report and nothing has been done about this also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: CITIBANK, N.A.
State: WI
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:
SUMMARY : 1. 3 1/2 YEARS OF CONTINUED FRAUD NO ACCESS TO ONLINE BANKING ; & 2. BLOCKAGE ON THE CARD STATEMENTS ONLINE & REQUESTS FOR STATEMENT REFUSED TO BE SENT ; & 3. FAILURE TO CORRECT FRAUDULENT TRANSACTIONS & /OR DISCLOSURE THE TRANSACTION ON A WRITTEN STATEMENTS ; & 4. BALANCE & PAYMENT AMOUNTS NO ACCESS & REFUSED WHEN I CALL INTO THE COMPANY ; & 5. NEGATIVE CREDIT REPORTS WITHOUT ACCESS ; & 6. NEGATIVE PAYMENT HISTORY NO ACCESS ONLINE OR CALL IN ; & 7. THE CARD HAS PRIVACY ISSUES, AS IT APPEARS THE ACCOUNT HAS BEEN TAKEN OVER BY A 3RD PARTY FOR A PERIOD OF 3 1/2 YEARS THIS HAS BEEN CONTINUOUS & ONGOING.

TO MY KNOWLEDGE THERE IS NO CITIBANK MASTERCARD. I DID NOT ASK FOR A CHANGE FROM CITIBANK VISA MY ORIGINAL CARD TO CITIBANK MASTERCARD. NO TERMS WERE ISSUED OR ANY OTHER DISCLOSURES. I BELIEVE THIS CARD IS ISSUED IN FRAUD & ACCOUNT IS TAKEN OVER BY A 3RD PARTY.

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 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
am writing this in regards to the financial hardship that I am experiencing due to my student loans reporting on my credit report. I am unable to buy a home, although I am not in default, and I have been granted loan forbearance until the year 2025. I am requesting that the loans reporting, to my credit report be removed from my credit report. I am in the process of disputing these loans using the borrowers defense claim. I am in review, until 2025, these loans being reported to my credit report, violates the fair credit reporting act, and I am asking that they be removed immediately, until my borrowers defense claim is complete and a decision is made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
i SPOKE WITH THE LENDER ABOUT THE PROBLEMS WITH THE CAR ; HOW IT DOES WORK AND THE PROBLEMS. I WAS TOLD BY THE CAR DEALER TO BRING THIS CAR BACK AND THEY WOULD RESELL IT. I TOLD THEM THE PROBLEM FROM THE START SO I TOOK THE CAR BACK AND THEY TOLD ME THAT IT WOULD NOT HIT MY CREDIT BECAUSE THEY KNEW THE PROBLEM. 

SO I TOOK THE CAR BACK AND THAT WAS IT ; BUT WHEN I LOOKED AT MY CREDIT THIS CAR WAS ON MY CREDIT STATING THAT I OWE THIS LARGE AMOUNT. THE CAR DEALERSHIP LIED TO ME ABOUT THE ENTIRE PROCEDURE OF ME GIVING THEM BACK THE CAR. I WAS TOLD THAT I WOULD NOT OWE ANYTHING BECAUSE I TOOK THE CAR BACK. WHEN I LOOKED AT THE CREDIT BUREAU REPORTS I SAW THAT THEY H AVE PUT ON THERE THAT I GAVE THE CAR BACK BUT I STILL OWE. THIS IS WRONG I DO NOT OWE ANYTHING.

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 2022-05-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act 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 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 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 disputed medical accounts collections information, late payments reported by  XXXX  and an account from the University  XXXX   XXXX  that is not mine with no corrections.   My score went from being  XXXX  to  XXXX  within a couple of weeks with no changes to my Transunion credit report. When I called customer service they said it was because  my medical collections up dated which my understanding is the collectors can not update dates when I have not made any payments and nothing has changed on the collection accounts. However somehow they are able to report new dates and make the accounts appear to be new. I have late payments with  XXXX  which are not correct because I was only s ent one paym ent to pay and I was not made aware of a {$25.00} payment. I applied for income based payment plan and was just told to make  one p ayment and was never explained that my direct loan was a separate payment.  The U niversity  XXXX   XXXX  is reporting a charge off fr om 2001 th at is not mine and they have not communicated with me how this is my debt.

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 2017-02-06
Company: Paul Michael Marketing Service
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was pathology performed as part of a XXXX in XXXX of 2015. Apparently XXXX XXXX XXXX rejected the claim from the provider and the amount was immediately sent for collections. 
I was not aware of the issue until I received the first collections letter. 
I contacted the collections agency, the insurance company and the provider. Eventually the provider straighten the reimbursement with the insurance company however I continued to receive notice after notice from the collection agency even after they were notified that the matter has been settled.

Company response to consumer: Closed
Consumer complaint received 2016-01-05
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Here is what happened with Guaranteed Rate was dissatisfying. Here are the reasons : 1. The main reason I went with Guaranteed Rate was due rate. I was offerred 3.375 % on XXXX ARM loan, where in I had signed the paper work. A week before closing, I m told from Guaranteed Rate that I need to have 12 months reserve! Guaranteed Rate personnel - XXXX XXXX ( VP ) & XXXX XXXX ( Guaranteed Rate ) very well knew my financial position & per them, they OVERLOOKED the reserves! How can someone be so careless? All they wanted was to BAIT me to go for 30-yr fixed at 4.125 %! 
2. After changing the loan program to 30-yr fixed, I was told I would get {$3000.00} as lender credit, which showed up in GFE on XXXX XXXX 2015 in Buyer 's statement. On the closing day, XXXX XXXX 2015, the credit vanished!! Upon asking, Guranteed Rate, came back saying they are not making any money & was taken off 3. From no where, on the day of closing, I was asked to show {$5000.00} as gift as Guaranteed rate " thought '' I was short by looking at previous statements & NOT the current statement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Genesis FS Card Services, Inc.
State: FL
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 recently disputes this fraudulent account on my credit report and sent in my FTC Identity Theft Affidavit as well as a police report and this company failed to verify and remove this account from my credit reports. I want them to REMOVE these accounts immediately due to them not belonging to me. They can not show me a I.D . Or signature that belongs to me yet they are sending this back to the credit bureaus as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I been a customer of Discover Card for Nearly 2 years with a very good payment history. Back in XXXX of 2019 my Discover card account disappeared off my XXXX  Credit Report and XXXX   Credit Report, I informed Discover of this and they told me it would be fixed and now nearly 10 months later it is not. I contacted the credit agency and I was told that Discover needed to file to have the credit reinserted to my credit report which I informed Discover of this several times and I continue to get the run around, it is still not appearing on my credit. Why is it hard for them to just reach out to the credit reporting agency and have the account added back to my credit report so I can get credit for my payment history it is not right and not fair. I recently called in and a month later received a letter in the mail from Discover asking me to fill out a form of what I'm i disputing which they already know what I'm disputing and also on this form it's is asking me to place my Social Security Number and Date of Birth of a piece of paper and mail it back to them, why would I risk putting my personal information on a form and mailing it when they have all of this information, it seems to be very silly and not professional at all. I been dealing with this for nearly 10 months when Discover could just reach out to XXXX   and XXXX  and have my account reinserted on my credit report but instead is asking me to write what the issue is on a piece of paper and mail with sensitive information to them which these days with mail being lost why would I just want to put my information on a piece of paper and place in the mail, Discover is not protecting me the consumer and every time I have asked to speak to a higher manager have always been told someone would call me back and never hear from anyone. Bad customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I continue to receive calls from Portfolio Recovery Associates. No message is left and when I answer the call no response. I have no idea why they are calling and a few years old sent them by certified receipt a letter of cease and deceit ( XXXX XXXX, 2012 ). The phone calls began again a few weeks ago. I block the number and of course they call from other numbers. I am again sending them another certified letter. Their tactics are horrific. I owe no XXXX anything, so I have no idea why they are calling me. They call my landline at the least XXXX a day, do n't answer no leave a message. I do n't know what else to do to stop them from harassing me via telephone call or other wise. My next tactic if this not resolve their annoying phone calls is to take legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
1. Portfolio Recovery has not provided any competent evidence that I have any legal obligation to pay on the account in question. 

2. Portfolio Recovery did not validate the account before reporting collection to the XXXX credit bureaus 3. Portfolio Recovery falsely reported new account activity on my credit report that has resulted in a damaging credit rating and inability to open credit. 

4.Portfolio Recovery has not provided any written agreements in place between its firm and the client they allegedly represent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I attempted to pay my chase card payment when I moved from XXXX to XXXX, Florida. Previously. After being sick with COVID I was able to make a payment and drive to the ATM but my PIN wouldn't work. It turns out that when I got my new debt card the PIN number was never sent to me. Freaking out because they payment is due they were not able to issue me a PIN because I had just changed my addresses and would have to go into a branch. The next day after the payment was due Chase reported my account as 31 days late. 

I had moved to XXXX to pursue a better job opportunity and I sent Chase a certified letter explaining that I had no idea that my PIN would not work. I had to go after hours to deposit cash in the ATM and I could not do it during business hours. I don't think this is fair and Chase did this to set me up. I will be speaking to my lawyer about this but I want the adjustment done to the credit report as it was their fault I for not sending me a PIN or making me aware when I got the card that I had to go into a branch to get the number. 

Chase needs better transparency with how their system works and actually care about their customers and their needs. I also feel that I am being discriminated against as if I was not a member of the XXXX community they would work with me.

Company response to consumer: Closed with explanation