BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
in XXXX summer I switched to XXXX to save money. unfortunately I could n't get phone reception in my house. dropped calls unable to make calls etc. they waved the XXXX day wait for an air rave whichwhich was supposed to enhance signal but it did n't help I was force to go outside to make receive calls & retrieve voicemail. after calling XXXX & getting nowhere I finally had to choice but to switch back XXXX XXXX XX/XX/XXXX. I tried to break contract XXXX but was referred to several different people all of whom did not care that I paid {$100.00} a month for almost a year with no home service signal. I am also on XXXX fixed income & not well. they did not care. i did not receive any instructions when my number was ported back XXXX about returning air rave of phone. XXXXI paid XXXX for phone. they said that information via mail would confirm I broke contract.balance went to collections because I did n't return airrave or phone. by then I was paying XXXX for service & donated phone to a battered woman 's facility. collection agency worked with me to try to resolve but I did not have the money to pay in XXXX days & I was in dispute with XXXX regarding the disconnect & not informing me of or sending the mail back kits as they finally said we are charging you because you did n't return phone or air rave. I still had air rave & they then sent a mail back kit with NO explanation why it was not made clear about returning the equipment or mailing me the mail back kits. I 've spoken with XXXX several times. they have been very helpful as has been experience. the unpaid balance was reported XXXX XXXX XXXX. I just started working part-time XXXX XXXX XXXX. I got credit for air rave return but they wanted full price for phone & I told them that I paid {$100.00}. for it that I paid for service for XXXX year & donated phone because it was never indicated to me to return it. they said they would settle for {$200.00}. which I paid on XXXX XXXX XXXX. I had no idea that this would be on my credit report negative until XXXX. I am asking that you please try to get this off. I have to get new vehicle mine is XXXX yrs old. I have rental income part time job XXXX. I have to resolve this as its affecting my credit. thank you sincerely XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I decided to purchase a leased vehicle and sought financing from J.P. Morgan Chase bank as I was n't able to afford the more than {$14000.00} required to pay for the car in total. A financial structure was set up but now I find after 4 years of automatic deductions from my checking account, totaling nearly {$24000.00}, there 's at least 2 more years left to pay and a payoff balance of more than {$6000.00} which means I will have paid {$30000.00} by the end of this set up. Is this predatory lending? I have been a preferred customer with the bank for over 30 years. What can I do to negotiate a better deal as a retired XXXX year old living on a fixed income? I tried to return the vehicle back to the dealership but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: M. G. Credit, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
AutoCredit and MG Finance refuse to remove paid collection from credit report. I paid this repossession about a year after it happened. I paid a settled amount via money order. I called XXXX times to get a paid in full letter and each time I was given a different story of why the letter never came. I am a single mom and things are hard enough without having this report on my credit report every month for the last XXXX years!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I mailed a very specific letter as per The Fair Debt Collection Practices Act demanding validation of this debt that I first became aware of when I saw my credit report. XXXX ignored my letter even though I had it tracked and know they received it in XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XX/XX/XXXX, the borrower filed a paper application for consolidation with enrollment in the income based relief program was filed. In XXXX XXXX, Nelnet who was servicing the consolidation application wrote that a judgment in court prevented consolidation. In XXXX XXXX, the borrower contested the existence of a judgment with the attorney representing the XXXX XXXX. The attorney confirmed there was no judgment and informed Nelnet that there was no judgment. In XXXX of XXXX, the borrower called Nelnet to inform them that there was no judgment. Nelnet acknowledged that it was aware that that there was no judgmetn and said they would move forward with the application immediately. However, when no further information was forthcoming. the borrower called Nelnet XX/XX/XXXX. The borrower was told that Nelnet had failed to take the necessary internal action to move the application forward but that it would do so immediately. After another 6 months of silence, the borrower contacted Nelnet in XXXX XXXX. The borrower was told that Nelnet did not do anything in XX/XX/XXXX or XX/XX/XXXX and that his XXXX XXXX application was now " stale '' and a new application was needed. When the borrower pointed out that the fault was with Nelnet, not the borrower, for the application going stale, Nelnet said that was too bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am a retired XXXX from XXXX XXXX XXXX. When I retired, I elected to sell my residence at XXXX in XXXX and reside in XXXX with XXXX residence in XXXX. In XXXX, I had taken out a second mortgage on the property for {$100000.00} with XXXX Bank, now defunct, which I repaid in XXXX. On XX/XX/XXXX, when I closed on on the sale of the property I was told that Bank of America held a quit claim on the property, leaving me breathless. Althought the mortgsge had been repaid fourteen years earlier, I was told I could n't close unless I allowed Bank of America to hold roughly {$100000.00} at closing. My attorney has constantly tried to deal with them to no avail, trying to contact them perhaps more than a dozen times. To the best of my knowledge, only once were they willing to talk with him, telling him it may take as long as a year for them to find the title clearance in their records. We have repeatedly sought a resolution and they will not respond, in spite of it being more than a year. XXXX Bank was acquired by Lasalle National Bank, which was in turn acquired by Bank of America. In XXXX, Lasalle National Bank sent me a letter telling me they were closing their trust department and asked me if I would like a copy of their records, to which I responded in the affirmative. Accordingly, they sent their records via fax to the economics department at XXXX. Unfortunately, I assumed the matter was proforma and the title had been properly transferred, neglecting to notice that there was an active quit claim deed. I still have those documents. According to my attorney, Bank of America is n't claiming that I have not repaid the mortgage, only that their records do n't show the tile being cleared. Since three years after I repaid the mortgage the Lassalle documents showed it still had not been processed, they obviously wo n't find any record of the transfer. They say they wo n't return my money, which is being held in escrow at a title company, until they find the transfer. Both my attorney and the title company have tried to return my money through alternative means, but Bank of America simply wo n't cooperate. My friends who work at the federal Reserve and the SEC are utterly astounded at what has transpired. It has been more than a year and I am quite upset. It does n't seem to pertain directly to any of the categories below, but I am checking one so that I can proceed with this 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 2015-05-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed a 30 day late pay on XXXX. It is being reported XXXX XXXX I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Last year I had a collection from XXXX show up on my Experian credit report. The item was removed due to error by the collector XXXX This item has since reappeared on my Experian credit report even though it was already taken off once before. There is no basis for this collection, and it was already acknowledged to be erroneous. Experian failed to send me written me notification that this collection was being re-inserted into my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).

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 2015-07-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX, 2015XXXX : Request for Investigation/ Debt Validation Request Re : XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX : Chief Compliance Officer : XXXX XXXX XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from your agency on my credit report. Experian Report Number : XXXX Dated : XXXX XXXX 2015. First and far most, I must advise you that, this same account was disputed numerous times, and never validated by the original creditor. ( XXXX XXXX ) Also enclosed for your review is correspondence, I received from XXXX XXXX, regarding this account. Dated : XXXX XXXX 2015. 

Since you now have acquired this inaccurate disputed account. I have never been notified by XXXX XXXX XXXX of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. I request an investigation for this re-inserted inaccurate account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My original claim XXXX requesting removal of debt {$490.00} has not been removed from all three credit bureaus. This debt was dismissed years ago even though not mine. Owning a credit card does not automatically make this a legitimate debt of mine due to identity theft years ago. I have repeatedly asked for documentation showing my signature on the specific purchase ( s ) in question. If this document cant be provided please remove this entry on all3 reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After receiving a debt that I knew nothing of on XXXX XXXX, I immediately had my credit reports pulled, and sent all XXXX credit bureaus certified dispute letters. I received confirmation back that all the items that I had disputed had been verified. I sent a second round of letters asking that I be provided with the names and numbers of whom they had validated the debts with. I myself sent a validation letter to XXXX of the creditors only to be told it was a mistake, and that a letter would be sent to all XXXX credit bureaus to have deleted. This was XXXX of the debts that they claimed they had investigated and had found it belonged to me. They have ignored all of my dispute letters, and refuse to remove debt that have not been validated. I have asked for proper paperwork demonstrating the agreement between me and these creditors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: ALLY FINANCIAL INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX, XXXX/XXXX/16, I received two different phone calls, one on my home phone and one on my cell phone, within XXXX minutes of each other. 

The calls where from an Ally Financial group. When I answered the phone I was greeted with an answering machine staying they were trying to collect money from me. 

I did not or do not have any kind of money arrangement with them When I finally got to a real person I asked them, who they were trying to call on my numbers. They did not answer me, so I asked where they had gotten my numbers from. I do not think they suddenly came out of thin air. They would not answer me. I asked to speak to a supervisor, but was told they were in a meeting. I called back a second time and got the same routine from a different person. They would not tell where, or why, they got my telephone numbers. Especially my cell phone. My guess is that they are trying to contact someone I know. 

They had to business hitting me with a statement about collecting money from me with a answering machine and I am really upset that they had my cell phone. 

I did talk to XXXX today about this company. They told me that there have been, if I heard them right, that this Co has had over XXXX complaints against it.

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 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX has incorrectly stated I owed money to this doctor, which was never true. Please contact both parties to review and have them remove all from my damaged credit file : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( 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 explanation
Consumer complaint received 2016-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Back in XXXX I contacted Transunion, XXXX and XXXX and advised them that the there were excessive inquiries on my credit report that I knew nothing about and did not authorized, Fraud alert was put on my credit file and Transunion deleted XXXX of the inquires then they put them back on my credit file. XXXX deleted about XXXX of the inquiries and left XXXX on my credit file and XXXX also deleted XXXX of the inquiries and left XXXX on my credit file. My credit file had Fraud Alert and I am still showing new inquiries on my credit file from all XXXX credit Bureaus, which is Fraud. How can this be when I had my credit files documented with fraud alert regarding unauthorized inquiries and neither credit bureau can show me proof where I authorized or gave permission for my credit to be pulled.

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 2017-03-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX - I am REPEATEDLY solicited weekly to turn in my XX/XX/XXXX leased XXXX, and guaranteed a full service package if I leave that lease early AND enter into a new lease of a XX/XX/XXXX XXXX with XXXX. I get into contract and leave the XX/XX/XXXX at the dealership. 

XX/XX/XXXX - XXXX were to payoff the previous lease. 

XX/XX/XXXX - Late Notice from Chase. I double pay both, concerned the new lease payment was not properly applied. 

XX/XX/XXXX - Another late payment notice. I contact Chase, they tell me XXXX Dealership has not paid the car off. 

XX/XX/XXXX - I get Delinquent notice from California Department Motor Vehicles, that the XX/XX/XXXX XXXX ( turned in XX/XX/XXXX ) is overdue. XXXX has still has not paid off the car, nor legally reported the auto registration as agreed in new contract, and my law. 

XX/XX/XXXX - XXXX ASSURES me they are : taking care of the payments, making sure my credit report is corrected, paying off the vehicle fixing the registration. 

9 MONTHS LATER XX/XX/XXXX - I check my credit and the vehicle still shows OPEN and unpaid. 

XX/XX/XXXX - I have several excruciating conversations with both Chase and XXXX. They promise to update the account as paid in full. 

XX/XX/XXXX - XX/XX/XXXX XXXX Credit Report shows the account reported 60 days overdue XX/XX/XXXX - XX/XX/XXXX XXXXCredit Report shows the account reported 30 days overdue XXXX and Chase are completely incompetent. I am looking to join a class action lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The account was charged off and sold to a Debt Collection Agency. I have since paid the debt in full. My first issue is that the information reported is inaccurate and differs on all XXXX of the credit bureaus records. The second issue is that the account is showing a status of " late ''. The account is n't late. The account has been paid off. There are n't any pending payments they are awaiting. I 'm not late on payments. This is hurting my credit score. The third issue is that I 'm a NYS resident. In NYS paid charge offs report for XXXX years not XXXX years. According to the credit bureaus the account staut will not allow me protection under NYS law due to how the account is being reported to the credit bureaus. The information that is reported is inaccurate and misleading. The information as reported is hurting my credit score and will make it difficult for me to secure services at a competitive interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After Transunion deleted the illegal XXXX CONNECTED TO A XXXX XXXX from XXXX, which i have NO BUSINESS WITH, they inserted now an account that I assume was associated with it, they refuse to block the account and as such I have asked them too without any response. Why would you block a fraudulent inq then allow the account to appear. XXXX and XXXX both did not allow such account to appear. In the enhanced Inq section of my hard copy report it listed the information as XXXX XXXX, " SYNTHETIC FRAUD '', I want this account blocked ASAP.I have filed a complaint with the FTC, ID Theft Center, Privacy Rights, and CFPB prior. Transunion refuses as always to assist victims in there XXXX rights, further I have filed numerous police reports and XXXX INSPECTOR REPORTS. The account is numbered XXXX and listed as 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 2015-09-17
Company: Creekside Recovery And Capital Management
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a voice mail on XX/XX/XXXX from XXXX XXXX stating that she is coming to my place of employment, will speak with someone to find out what time I will be in, then she is coming to my home and she will get in contact with one of my relatives. In this voice mail she never stated what company she represented and I take this type of voice mail as a threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please note that Transunion did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to XXXX they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from Transunion, and XXXX, I never received any confirmation from XXXX on the status of the 7 year fraud alert.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief