BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I purchased a vehicle on XX/XX/XXXX of XX/XX/XXXX at XXXX XXXX dealership. upon doing business with this dealership..I ended getting a auto loan from XXXX XXXX XXXX. As a result in XXXX of XX/XX/XXXX the finance company received the full payment remaining of {$40000.00} on XX/XX/2021. Upon receiving payment my credit report was suppose to be updated to PAID not CLOSED and my credit score has been decreasing every since. I have contacted XXXX XXXX and all they would say is we are working on it. it's past 30 days since XX/XX/XXXX of XXXX and I WANT ANSWERS NOW as to why they have failed to update my credit report accurately instead of causing chaos by reporting it was CLOSED causing issues with my credit score instead of raising my credit score it has been lowering my credit score significantly and I have A HUGE PROBLEM WITH THAT. I have disputed that information with all 3 credit bureaus as the account has been paid I even have proof regarding my payment history and the letter that they have sent. as well as the letter stated if i was owed any warranty gap insurance that i would be refunded but i haven't heard anything else about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I received a letter a week ago stating Chase is changing the Annual Percentage Rates [ APRs ] as described because my APRs they offer are below rates they currently offer. My revised rate will now be 12.24 %, instead of my current rate of 7.4 %, and will be based on the prime rate. 
I want to state that when the card was taken out in 2002 the interest was 11 or 12 percent based on the prime rate.It could have gone up then, but the prime was lowered, therefore the current 7.4 %. 
It is not fair to raise it that much this early, with the chance of the prime rate set to rise in the coming months. We have been good customers, paying more than the minimum payment, and on time. 
This particular Chase card is listed for XXXX XXXX, with XXXX XXXX as co owner. Our address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX. XXXX. 
Address : Chase XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the Equifax data breach, I wanted to place a security freeze on my wife and my Equifax credit reports. I could not place these freezes online as the Equifax web site credit freeze app was non responsive. So I downloaded and printed out the credit freeze forms that Equifax provides for this process and I completed these on behalf of my wife and myself and submitted them via certified mail as Equifax requires. 

Subsequently, we received no response from Equifax with the usual PINs needed for the temporary future lifting of a credit freeze should that become necessary. I had successfully placed freezes on our XXXX, XXXX, XXXX and XXXX  XXXX receiving the required acknowledgements from all the latter. Only Equifax continued its sub-par performance by failing to confirm our freezes were in effect. Furthermore Equifax provides no obvious telephone contact number for consumers who may need to contact them. This kind of poor communication is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: Exeter Finance Corp.
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:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Exeter Finance Corp violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 usc 8, 15 usc 1611 ( 1 ), 15 usc 1611 ( 3 ), 15 usc 1640 ( i ), 15 usc 1605 ( a ), and 15 usc 1692e

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: IQOR US INC
State: KS
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Allied Interstate, LLC-representative XXXX XXXX called me while I was at work. This is a new job for me, and has not been listed on any of my student loans or for collections. This representative did not call the main line at XXXX XXXX ; he called the Shared Solutions line for XXXX and asked to the XXXX agent to transfer to me personally. We are a HIPAA entity and have patient sensitive information on our screens all day, but he still called a private line used for XXXX for patients w/ XXXX . He stated that they just received the collection matter from XXXX XXXX XXXX last week on XXXX/XXXX/15 for a debt on a private student loan over {$39000.00}. The rep stated that he had a cell phone number listed and he tried to call it right before calling my work on a HIPAA line ; however after checking my phone records this rep never even tried to call my cell phone ; he just called me at work and not on the main work line, he called on the Shared Solutions/Copaxone line used for patients. He then stated I needed to call him back on my break at XXXX ; so I did twice and the rep never answered and I left 2 messages which were never returned. The rep during the call said, " Why would n't I call you at work you owe over {$39000.00}, and I 'm trying to help you ; I can offer you a deal to get this paid off. '' I have never received any communication via or written from Allied Interstate prior to this call at work. The rep was very rude, and I still do n't know if they actually have this loan in their collection office, and I question that they got the loan in their office on a Sunday XXXX/XXXX/15. My main concern is that Allied Interstate , LLC ( this is where the rep said he worked for ) has had the loan in their office for 1 week, they have n't tried my cell phone if they have no messages were ever left, I 've received no written communication ; the first communication I receive is at my work that the rep called on a private line for Copaxone patients ; also, I was not able to determine if this was a legit company and if they really have the loan in their office to collect on as the rep was vague and rude ; I also returned his call as requested and my call was sent directly to voicemail with XXXX messages never returned. I do not have my current employer phone number listed for any purposes at this time, and not for sure how they even got the XXXX phone number to call me ; which is n't even the employer themselves ( XXXX ) but one of their private patient lines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I had a loan with Honda Financial Services since XXXX. I paid timely and was never late. I paid this loan in full in XXXX of XXXX. This vehicle was purchased with proceeds from the XXXX XXXX XXXX XXXX. So my obligation to Honda Financial Services ( HFS ) ended and the debt was completely liquidated at that time. I have documents to support this. 
After that fact, HFS paid an amount for vehicle taxes of approximately {$690.00} and sent me a bill. I did not agree that I owed that money to the taxing authority and liquidating that tax debt could undermine my ability to get it corrected by the taxing authority. I believe the tax was calculated incorrectly. Nevertheless I paid HFS but not after they reported me as being 30 days late on the account : an account that was paid in full. I never gave them permission to reopen the credit, nor to pay these fees on my behalf after they had no further right, title or interest in the property. I have been billed separately by the County of XXXX for taxes due on this vehicle. The amount paid by HFS is not a legitimate debt ; is related to a loan that was paid in full and they " reopened '' the credit, on a non-revolving account without my consent and without lawful authority. I sent a letter with return receipt requested with supporting documentation. The matter was removed from my credit at that time. It has since reappeared, so I asked that it be removed. Now Honda claims it is legitimate! This is a blatant violation of not responding timely ( within 30 days ), removing the item and XXXX causing its reappearance. 
Moreover, it is not a legitimate debt. I paid that loan in full in XXXX of XXXX. How can I possibly have been 30 day delinquent in XXXX XXXX. Please help me regain my good credit. Please guide me in any further recourse I may have against Honda.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-17
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We have received phone calls on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 from this company and I continue to call them right back to have our numbers removed from their system. They continue to tell us it will be done and they continue to call the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: PENTAGON FEDERAL CREDIT UNION
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:
Hello I looked at my credit report and on XXXX it shows that I have 2 hard Inquiries from Penfed on XX/XX/XXXX of 2020 and XXXX XXXX of XXXX. I never authorized these hard inquiries. Please remove these inquiries from my credit report or provide proper documents including my signature where I authorized these hard inquiries. Thanks for your time.

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 2021-09-28
Company: World Acceptance Corporation
State: MO
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:
This account appeared on my credit report on XX/XX/21. I have never had a loan with World Finance Corporation nor have I ever done any business with World Finance Corporation. 
I was never contacted by this company via phone or mailed any correspondence in relation to this account that appeared on my credit report. I was never given the opportunity to request validation information from this company for this account that appeared on my credit report. 

This company has violated the fair debt collection protection act. 

I want this removed ASAP. In the interim I want the opportunity to fairly dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: SUNTRUST BANKS, INC.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Suntrust allowed a person to complete loan documents and sign a second mortgage against my property and remove {$300000.00} without my consent, knowledge or any authorization to do so. This person along with Suntrust attempted to cover up this deal by attempted to transfer my property solely into the name of the person who signed the loan/mortgage. The mortgage is in the persons name and the Deed is solely in my name. Suntrust refuses to release the loan documents to me after repeated attempts because the loan transaction was complete before the person attempted to transfer the property into his name. The Loan documents were not signed by the deeded owner. They also refuse to release the notes or conversations relating to the business regarding my home. Because I NEVER spoke with them nor solicited their business at any point.

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 2016-10-31
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Dear Consumer Financial Protection Bureau, Amid 6 months of contacting XXXX and XXXX regarding my American Education Services ( AES ) Federal Student Loan, I write, because since XXXX 2015 there has been a persistent error regarding the balance of XXXX my AES student loans. Specifically, the balance for XXXX of my AES student loans jumped 56 % ( {$17000.00} ) in one month and has been negatively impacting my credit and ability to secure employment for several years. And despite provided detailed evidence and documentation via emails and in writing to the above noted organizations no one has responded to correct this matter. I am requesting that this error be corrected in my XXXX credit reports and in AES records as soon as possible. Above all else, imperishable thanks for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Please review my student loan account because it is reporting inaccurate information. This account was open XX/XX/2011 and has not been ( 30, 60, 120 days ) late, but Fed Loan Servicing has increase my balance from {$96000.00} to {$110000.00} ... just within the last few years. Please investigate the accuracy of this account ASAP. Fair Credit Reporting Act 611 ( a ) [ 15 USC 168li ( a ) ], I 'm writing this letter regarding this alleged amount of {$110000.00} with the account ( # XXXX ). I recently received a copy of my credit report and wish to dispute the accuracy of some information contained in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage with SunTrust mortgage. We set up an escrow account for insurance and taxes. Suntrust paid our property taxes but failed to pay our hazard insurance. we had a claim for XXXX in process so now we can not get a company to cover us, So now we can not get coverage of our choice. we are forced to accept citizens and had to pay a XXXX point inspection of {$120.00} + in 5 years we will need to get rewired and a new panel to pass inspection

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 2021-09-28
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a mortgage with a local lender and they sold the loan to Fannie Mae XXXX XXXX XXXX. The servicer went from them to Wells Fargo. I received a notification of this change on XX/XX/2021. 

I went on Wells Fargo 's website and attempted to register my account to set up online banking to monitor my mortgage. During this process Wells Fargo requests my SSN and my Loan #. After entering these Wells Fargo states they have to send a text message to verify I am who I am. The phone number that WF has is not mine. I call their support line and after 4 or 5 calls now I am still at square 1. They were able to update my phone number in their system but I am still not able to register to create an online account.

I have 0 faith in WF and I have no trust in their ability to service me or be honest. What adds to this is there are no Wells Fargo physical locations in Michigan ( the state I reside in ). 

I am unable to get an answer as to where Wells Fargo got the incorrect phone number, I'm also unable to get a clear answer as to why I'm supposed to " wait a few days and call back '' to see if they can set up it up then. How can someone be a servicer of a loan and not have a physical location in the state they are supposed to be servicing? Seems like a sham and that it shouldn't be legal. I fully understand that when I signed my loan documents I agreed that the lender can sell my loan off or transfer it to a new servicer. 

My issue is, how can a servicer not even be in state? The rep at Wells Fargo told me to go to a physical location to verify my identity and get my email address and phone number updated, I had a good chuckle at that. Ridiculous.

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 2016-04-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with documents showing proper validation for negative items reporting on my credit report. Instead they sent a letter stating that certain items were verified with the original creditors, but where is the PROOF??? I am aware of my rights under the FCRA and Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you ca n't just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you ca n't send me proof of these accounts from YOUR COMPANY, it must come off. Please make sure that Equifax abides by the law and provide documentation or delete immediately. 

Account Name : XXXX XXXX 'S. Account Number : XXXX Account Name : XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX. Account Number : XXXX Account Name : XXXX XXXX. Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
US Bank Lost all the Deeds and mortgage documents, Then miraculously they found them. From that moment on Witness came forward under oath clearly showing that the Notary signature and his seals were fake and forgery 's. Then The original witness came forward under oath stating the same thing. US Bank has no standing whatsoever and the Loan has been rescinded by us in a timely manner without being responded to within the 20 day rule. Because the contract was never consummated making it makes any past judgment Void. XXXX XXXX XXXX attorney for XXXX and US Bank Knows that they are committing a criminal act Plus they have consistently violated the OOC Cease and Desist Order. We believe XXXX XXXX has been the primary person involved in sending these falsified document across state lines and may have violated RICO laws in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my SECOND attempt to try and fix these issues with this company and I have yet to hear anything back in the mail and they are still reporting the inaccuracies after Ive mailed in pointing out the reporting errors 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 2022-04-15
Company: Scott Fetzer Financial Group Inc.
State: MD
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:
United Consumer Finance Services ( UCFS ) account was settled in full after the charge off as of XX/XX/XXXX ; however this company is still reporting to the credit bureau the entire calendar year of XXXX ( late/charge-off ) and in the calendar year XXXX from XXXX to XXXX ( late/charge ) is here is in accurate and this account should be deleted from my credit report immediately.

Company response to consumer: Closed with explanation