BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. I have notified the following credit bureaus they are reporting these fraudulent accounts that are a result of identity theft ; XXXX XXXX XXXX # XXXX with Experian and XXXX XXXX XXXX XXXX XXXX # XXXX with XXXX XXXX. I have supplied the Credit Bureaus with my dispute letter detailing the accounts that are fraudulent and were created by someone who used my personal information and identity for fraudulent services and financial gain. I also detailed in my letter, describing how it was not possible to create these accounts because I no longer was in the state the account and contract was created in. I also disclosed to the credit bureaus the suspects who forged my signature and used my personal information are XXXX XXXX and her associate XXXX XXXX. I believe they used my personal information and created these accounts, as they had access to my personal documents. I filed an identity theft police report with the police department, notarized Federal Trade Commission ID Theft Affidavit, and disputed the fraudulent accounts, supplemented with a copy of my drivers license, social security card and utility bill. I ensured my letter had my current address in the letterhead, date of birth and social security number. The Credit Bureaus failed to give a reasonable investigation to my disputes. If they did, they would have observed I provided abundant information to support my dispute and claim. I am a victim of identity theft and these accounts are created by the theft.

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 2017-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have called several times regarding error messages accessing my report online. The only response from " customer service '' is to try an sell me one of their products. Will not send me a report via phone call and can not access via 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 2022-02-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
JP Morgan Chase offered me a no cost mortgage refinance at 3.275 % in a 30 year fixed rate based on credit and payment history. 

The declined me ( loan # XXXX ) stating type of loan not permitted under program requested. 

I have no active disputes on my credit report, which is the reason cites for loan denial. 
They then suggested I pay to apply for the mortgage refinance. 

This offer and subsequent denial has caused me material harm by way of lost opportunity to refinance when rates were lower. 

Chase Executive Offices has refused to request a manual underwrite for this loan, which is my desired outcome,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The company refuse to block the FCRA 605B Due to fraud. The company violated my consumer rights by not blocking and removing the fraudulent items that are on my credit report due to fraud. I filed a police report of the items that were stolen in my name. The company responded back that could not validate my police report. The police report is valid and my social security number was stolen to open the accounts under my name.

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 2016-02-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to order my free annual credit report online from Equifax. They would not let me order the report on line and implied that I answered some of their questions incorrectly, which means that someone has possibly stolen my identity. I tried to order a paper copy ( not online ) but was unable to download Equifax 's required form. It is in a format not recognized by Windows or Adobe. At the same time, Equifax re-directs me to a web page where I can order a bunch of paid credit monitoring and other products. I could not be more disappointed with Equifax. They are blocking me from obtaining my free annual report and at the same time trying to sell me paid products.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: PLANET HOME LENDING, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company, Planet Home lending contacted me to let me know they did not receive a payment for the month of XXXX. After contacting my bank, XXXX, it was determined that the check was sent to an older address that the company had. In essence I continued to send my check to the same PO., however the company had moved and I was not notified. I am being charged a late fee of {$31.00}. In discussion with the rep. I would have to find the money to pay today or a note would be made to my credit score. I did have to call my bank, stop the check, pay the statement again. This is predatory!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: EQUIFAX, INC.
State: MS
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:
Equifax shows account as open. 
XXXX shows account as closed Equifax shows a balance on account XXXX shows account as zero My credit is being inaccurately reported and this is affecting me negatively. 

Name : XXXX XXXX XXXX {$580.00} Date of last report is inaccurate Date of last activity is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company, LTD financial Services, repeatedly calls me and hangs up. I have asked for information about the supposed debt that they are collecting, which I do not believe exists, but they will not give me that information unless I give them an address so they can inundate me with mail, as well as personally identifiable information of mine such as my social security number. I will not -- under any circumstance -- be giving out ny social security number over the phone to a company that will not even give me the courtesy of explaining what the reason for contact is. 

I have asked them to stop calling me, but they continue to do so, calling and then hanging up if I answer the phone. The latest such incidence was today, at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been attempting to reach FEDLOAN by phone / email ( multiple times ) for hours on end only to be put on hold from one department to the other then disconnected. On XX/XX/22 I spent 3 hours on hold and tried to call 4 different times hoping someone would help me with my issue. This is as i said one of many attempts I have submitted multiple documents to verify that my employer is a recognized organization that falls under the loan forgiveness. they have accepted 6 payments. I have been paying on my income driven loan for over two years and they have not honored the agreement. This company is completely incapable of providing the service and should be dismissed from the contract they are getting. Please put an end to this for me and others. i have multiple friends than

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan is currently serviced by Shellpoint Mortgage Servicing. Per the attached documentation issued by Shellpoint, the terms of the mortgage loan are as follows : 1. Original loan   amount of {$59000.00}.    2.  180 month term that matures on  XXXX .    3.  No balloon payment due upon maturity.    4. I nterest rate of 7.9 % and P & I payments of {$560.00} per month.     Shellpoint is currently claiming that the principal balance due is {$12000.00} and the total balance due is {$20000.00}. These amounts conveyed by Shellpoint do not add up and I have contested them on numerous occasions. Shellpoint has refused to prove up the validity of the debt and the accounting to back it up.they have simply told me it is what it is. Based on my current amortization calculations, the current balance due should be {$6300.00}. Shellpoint is clearly trying to over collect on the balance due, which is a violation of FDCPA and RESPA law. I feel cheated and deceived by Shellpoint and I am seeking your assistance on this matter. You can reach me direct at  XXXX  or  XXXX  XXXX  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 2022-02-26
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Haven't received funds from closed account going on ( XXXX ) months now. Chase bank closed my business account without notice and held funds past the legal holding time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Santander Consumer USA Holdings Inc.
State: KS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This company called me repeatedly trying to secure payment for a vehicle that was never even showing on my credit report. Then when the vehicle was placed on my credit report after  one year it showed a year of late payments and a high interest rate when due to the soldier an d sailors at the interest rate was supposed to be at 6 %. I try to explain this repeatedly they did not want to work with me and insisted that although I was   XXXX   XXXX   XXXX    th ey wanted for payment or there would be substantial recourse. The recourse was explained as lawsuits or garnishments. I encountered rude customer service representative 's and account managers in regards to this account. There were no solutions given only negative credit reporting and negative/rude customer service. Additional monies were added to the loan that were not included in any contract that I signed at the time of purchase. The dealership that I purchased a vehicle from went out of business and did not have proper paperwork a few months after I purchased the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to file a complaint against Revenue Assurance Professionals for {$210.00}, {$68.00} and {$140.00}. I never received a dunning letter to give me a chance to dispute this information. I submitted a dispute to this agency in XX/XX/XXXX and never received a response. I want this inaccurate information removed from my all three credit bureaus XXXX XXXX XXXX XXXX immediately and a letter from the company confirming the deletion of this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Atlanticus Services Corporation
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 information incorrect

Complaint:
XXXXFORTIVA is reporting a late fee on my credit report for XX/XX/2017 this is inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a credit report from XXXX XXXX 2016 where Transunion shows that there are XXXX inquiries on my credit report. Then, on XXXX XXXX, I pulled another credit report and Transunion has placed XXXX inquiries on my credit report. They claim it was a glitch, but when I called, the representatives lie and say my credit report was not affected, but I have the proof. I was hung up on by XXXX representatives who refused to transfer me to a manager, or anyone in the USA. 
The violated the Fair Credit Reporting Act, Section 611 ( B ) ii which states any deleted information ca n't be re-inserted unless they notify a consumer in writing within 5 business days. I was never notified. They just blatantly broke the law. 
These are the inquiries that were deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Judgment XX/XX/2012 {$0.00} XXXX : XXXX XXXX XXXX judgement has been paid off and i want it to be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My credit dropped XXXX points for a XXXX collection that do n't even exist!! I contacted XXXX and was informed there was no balance on the account and that the credit agency has made a mistake!!! 
I gave XXXX all my info ( account number & social security number ) they looked up my account. ..which by the way is over XXXX years old and said there was NO BALANCE on the account!!!!!! Someone made a mistake and now i have to suffer the consequences with MY CREDIT SCORE DROPPING!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Netspend Corporation
State: NV
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Overdraft, savings or rewards features

Complaint:
Netspend offers to allow customers to refer a friend to get a Netspend card and after their friend makes {$40.00} in deposits onto the prepaid card, both people are supposed to get {$20.00} each deposited onto their cards. I e-mailed the link to my domestic partner who does not have a bank account due to losing employment and having ruined credit in the wake. He clicked the link to their site and completed the application XXXX times before giving up because it had been weeks since he applied and the screen told him that his card would be here in 2-4 weeks. 2-4 months later, he decided to try to just go in through my account online and order himself a card. They linked his card to my account and we called Netspend customer service for assistance to get him the card I had sent him a referral for. The new card had to be cancelled and he was sent a different card that is his own account independent of mine. We called them this morning to inquire about our {$20.00} deposits that have not shown up ( that we could really use to help us pay the rent this month ) and they said that he did not qualify for the program because I could not have referred him because he got a card the same day I did ( referring to the XXXX linked to my account that I did not add anyone to at all! ). We spoke with a rep and a supervisor and they maintain that XXXX has been a customer longer than me and that he is not eligible to be a referral of mine. It is just frustrating that this is where my paychecks are going to now and these people are idiots, saying XXXX purchased his card from XXXX XXXX. He did not! It is the XXXX and only card he ever received from his inquiries from the referral program that XXXX of their idiotic employees sent to him. He never received any other cards on any other accounts and I never even authorized him as a user on my account. I just happened to be logged into it XXXX time when he was trying again to reapply for the card that never came. We were on the phone with them for over an hour this morning just trying to get the referral money promised by their ads ( because we are poor and need it that desperately ). XXXX has gone through so much hassle with all of this nonsense and explained it to the rude woman on the phone today. We did everything we were supposed to for the program, but never got the money promised. The lady said it could have been their software/internet issue, but refused to manually credit the reward fund to either of our accounts. After all of this trouble, I sure wo n't be referring anyone else there, that is for sure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion placed a judgement on my credit report unlawfully, they removed it from collections and then placed it as a public record when I have never been notfied of a court hearing or date. The state they say I owe do n't even have it listed that I owe them on their very own website ( XXXX ), I have asked them numerous times to remove this inaccurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my final bill to XXXX, sometime in XX/XX/XXXX. I no longer owe them money, or even have an account with them. At least once a week I receive a phone call from Southwest Credit about the " debt. '' I have informed them many times that it has been paid, and I even called XXXX to straighten it out, and I am still receiving calls and letters to my home.

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 2016-10-27
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked them to not call me before XXXX. They also call me during the weekend. I have received several calls for the past week during work hours. It is disruptive to my place of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: Westlake Services, LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
purchased a XXXX from XXXX, XXXX, pa .XXXX owner.from day one car had issues then found out the frame was completely rusted took it back to dealer, he took to his mechanic to fix which was never done four months still not done.but the police shut dealer down for racketerring and fraud which my car was involved in inspection sticker and emission sticker passed the jeep all under investigation by state police amongst other things list goes on, the mechanic has been leading me on four months now XXXX owner not paying the mechanic to fix car since he was shut down, i have been stuck four months now with ins and car pmts on a car i didnt even possess, bank says not their problem, what can i do.i did file a judgement with the local district justice which i am waiting to hear from soon.mechanic still holding car etc etc list goes on,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I can not believe how inadequate the research into my problem has been. After numerous requests via credit reporting agencies and cfpb I finally got an accounting of my charges by Capital One, and as I already reported, they very clearly charged me over {$80.00} interest in the first year of my card which had a {$300.00} limit. That 's nearly 28 % interest in the first year, almost 4 % over the 24 % legal limit. {$12.00} from XX/XX/XXXX-XX/XX/XXXX of XX/XX/XXXX, and {$72.00} from XX/XX/XXXX-XX/XX/XXXX. I 've made numerous attempts to hold them to the law to no avail. I want this debt dissolved and removed from my credit reports. Indeed, if I could sue foe damages, I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Messerli & Kramer P.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 there was complaint filed in the Circuit Court of XXXX County, WI against me for alleged amounts owed. The Plaintiff 's firm acting as a third party debt collector did not send notice or right to dispute prior to commencing suite or after a phone call was made to them on XX/XX/2022 per FDCPA rules. This is not the first time that this firm has violated my consumer rights. I was never given a right to cure pursuant to Wisconsin Consumer Act.

Company response to consumer: Closed with explanation