BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I recently pulled my reports and noticed you are reporting the incorrect account name for this account ( U.S. BANKRUPTCY COURT - XXXX ). Because the account name being reported by your company and XXXX are different ( XXXX XXXX XXXX XXXXXXXX XXXX )., this means the account has not been properly verified. Please delete this account immediately.

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 2015-12-16
Company: Debt Management Holdings LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Twice an anonymous male-voiced computerized message has been left on our answering machine, the first time about a week ago ( XXXX/XXXX/2015 or XXXX/XXXX/2015 ) and again this morning ( XXXX/XXXX/2015 ) at XXXX. The voice does not give the name of the person intended to receive the message, and it identifies itself only as " Consumer Judgment. '' It says that the recipient should call an XXXX number as soon as possible to avoid further action. The number given to call is XXXX. We did not call this number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans were transferred from XXXX to MyFedLoan in XX/XX/XXXX. I was in an income based repayment play with XXXX. Without my consent, myfedloan took me out of income based repayment and placed me in forbearance. I discovered this, and I called Myfedloan at the time and asked not to be placed in forbearance. However they said they were unable to do this, but that I could make the payments anyways and then submit a request to have those payments " accepted ''. I made the payments on time and submitted this request to have those payments accepted. Myfedloan sent me a letter in XXXX documenting that they were going to accept those payments. However, now, 4 years later, their system for tracking eligible payments has my payments from XXXX and XX/XX/XXXX marked as ineligible since I was in forebearance. I called about this in XX/XX/XXXX and after a long phone call they said that this was a mistake on their part and that it would be corrected. I called back several months later to check in on the status of this and they said they were working on it. I called again in XX/XX/XXXX and they said the request was never put in, but that they would put in the request now. I contacted them again in XX/XX/XXXX and they said that they were working on it, but were unable to give any time frame for expectations of completion. The system does not show that they are working on it. I can not accept that it takes more than 11 months to correct their own administrative mistake. I've been unable to escalate my concerns to anyone at myfedloan to get assurances they are actually working on it or to get an actual timeframe on how long this should take to fix.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car earlier this year, using USAA as my finance company. I was given a 13 % interest rate for the loan. They explained this was because I had quite a bit of outstanding debt on my credit report. I was told that if I took care of these debts, I could refinance at a significantly lower rate. In turn, I sold my motorcycle and other items to pay these debts off. At the time I purchased this vehicle, I was just a couple months away from deploying overseas. They told me if I send a copy of my orders, they would lower the rate for the time I would be gone. After sending the orders, they denied lowering my rate, stating that it does not apply to me. After paying off my outstanding debts, and trading in XXXX other cars for XXXX, I greatly reduced my monthly payments and obligations. I then attempted to refinance the vehicle to get that better interest rate. They then offered me a new rate that was still over 12 %. This was not helpful, and has put me in a bad place. I purchased this vehicle at a high rate under the impression that I would be able to afford it after a very short time. If they would be willing to do as promised, I would be saving between $ XXXX $ XXXX. My wife and I will be moving in XXXX of 2016 to a new duty station. We will be losing over $ 1,000/month due to lower housing allowances at our new location. We are trying to save and continue to not incur additional debt in preparation for this move. I am worried that if we are not able to have a decent rate on this loan, I will end up defaulting on it, and letting it to into repossession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2017-01-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Opened a credit card with Toys R Us, Charged less than XXXXXXXXdollars, First bill came and paid on time.Bills stop coming and they contacted me, paid XXXXXXXXdollars over the phone and complained about not getting my statements.In XXXX got a letter from then, i contacted then on XXXX XXXX 2016, now they want XXXX dollars, i told then i did not do those charges and needed my statements from XXXX to XXXX 2016 to dispute the charges.I was told the statements will arrive by mail in 7 to 14 days, that day i changed my statements preference to e-mail.The statements never showed but by miracle the XXXX statement showed up in the mail.Contacted then again, they said the statements were mailed and they were going to send then again, statements never arrived, what arrived was a letter from a collection agency.I have XXXX other credit cards, as of today all are current, own less than XXXX dollars each and never missed a single statement in the mail.

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 2021-12-20
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CITI Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2016-02-24
Company: MB FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had multiple servicing issues with MB Financial, mostly with payment submission. 
Issues that I have experienced include : 1. Website availability - I have made multiple attempts to make payments, but received errors due to website not working. This has caused multiple sign-on attempts. I do n't understand why the website would not be available during payment due date times ( seems like a way to maximize late payment fees ) 2. Customer Service Wait Times - When I have had payment acceptance issues ( not my fault ), I would call customer service to make the payment. Wait times have normally exceeded 30 - 45 minutes to talk to a customer service representative. 
3. XXXX XXXX XXXX - I have had to have my user name re-issued multiple times. This has been caused by system changes and servicer conversions. This has caused payment submission issues. The difficulty in getting my user name took multiple website attempts and calls to customer service. 
4. Account Information Validation and Saving - It is common place in today 's payment acceptance world to both save account information to submit payments and have a recurring option to submit payments. MB Financial has neither. Also, when I have submitted account information, they have no validation to insure account information is entered correctly. 
5. Bankruptcy Declaration Letters - For each payment I have submitted, I have received information regarding bankruptcy rights and collection of delinquent accounts. I am neither in Bankruptcy ( or have ever filed Bankruptcy ) or delinquent on my account. This has caused a high level of anxiety that they are incorrectly reporting my loan status and treating me as a Bankruptcy account. 
6. Incorrect Account Information - MB Financial 's systems have provided incorrect information multiple times. I have used their automated system which has provided inconsistent information with their website. Additionally, I have tried to provide account information on the automated systems and they are unable to authenticate my account. I do not have confidence in their ability to manage my account and the financial transactions I complete. 


This servicer has been very unprofessional and needs to improve its processes and procedures to meet basic customer needs. They are definitely operating on a shoe-string budget as evidenced in their technology and customer service. Hopefully they will improve as many other customers in good standing are being treated in an unfair manner and we are paying for this company to service our loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/2021 : I XXXX out the balance in my account and tried to close my account on the website. However, I was given the following message : " Oops '' We are not able to close your account at this time, please contact Bluebird Customer Service at XXXX. '' I then called that number and went through all of the options but the entire system appears to be automated and there's no way to speak to a representative. The automated system also does not have any options to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: NCB Management Services Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
The 2015 XXXX XXXX truck under purchase from a XXXX, Texas dealership was returnedvoluntarily after contract for vehicle signatures were found to be forged to XXXX XXXX dealership financial group. Deal was extremely padded without my consent or authorization. Legal and binding signatures for myself and co-buyer were submitted tothe Office of Texas Attorney General for legitimate verification of my true and personal signature along with co-buyer. Harassing mail and phone calls for remaining after sale oftruck have come from NCB Management Services of XXXX, PA. They have become extremely belligerent in nature and disturbing. I am requesting immediate halt to their attempt to collect on a forged contract for vehicle purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Continue to report inaccurate information to credit bureau from an auto insurance accident settlement that they were already paid for and now after my recent dispute with the credit bureau they decided to add on XXXX more bogus accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2021 I applied on XXXXXXXX XXXX  website for the Visa Signature Rewards Card issued by Chase. The website said the application was unable to go through ( I do not remember the exact reason it said ). I was going to try and apply again on the website but I looked at my credit report from XXXX on XXXX XXXX and saw that I had a hard inquiry from Chase. I then have been going back and forth calling XXXX and Chase to figure out the problem. XXXX says that they have no application processed from me, even though the website shows that I applied, and Chase says they never received an application from me. I know the information was entered correctly because it is showing on my credit report. Long story short, XXXX directed me to Chase, who then directed me to XXXX, who then directed me to FTC.gov, which then directed me to y'all. I would like to either have the application fully processed if possible, or at the very least have the hard inquiry taken off since the application was never processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13
Company: Data Line Credit Corp
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sold a car that was later impounded from the new owner. The tow bill has been reported to my credit.Since I realize the negative item on my report I contacted XXXX XXXX and the reporting agency. I 've forward the name and address of the new owner to XXXX towing and they simply refer me to Dataline CR, the company they sold the debt to. Dataline CR does n't want to hear anything I have to say and keeps referring me to XXXX 's towing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX ACCOUNT # XXXX Has violated my rights. 

XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I 'm a longtime Capital One customer and recently had a bad experience with paying off an auto loan. I recently paid off my auto loan and received very little information on what would happen next and never received my title. 

After contacting Capital One, I learned that I should have received my title in the mail within three weeks of paying off the loan. I followed up a month after not receiving my title or any communication regarding the loan from Capital One. After multiple attempts to contact customer service to follow-up, I was eventually able to speak with a representative who promised to send a lien release document that I could take to the XXXX and use to pay for a copy of the title. 

Six weeks after paying off the vehicle, I eventually received the lien release document. Today I took it to the XXXX and it cost more than {$25.00} to get a copy of the title. Instead of being sent the title free of charge, I was forced to pay out of pocket and spend about an hour ( not counting time on the phone with Capital One 's customer service ) to retrieve the title myself. From Capital One 's perspective, I 'm sure they would rather cut their own costs by sending a lien release document than spend the time and money to send the actual title, but it does not seem like a good faith practice to pawn these costs off on their customers. This is particularly the case when they in fact claim that a title has been sent. 

I know that Capital One has my current address because I receive promotional mailings from them and it 's up to date in their system. In addition to costing me time and money, I 'm worried that this is a widespread practice by Capital One auto loan department and that other customers are dealing with similar situations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Other

Complaint:
My name is XXXX XXXX. I applied for a vehicle loan so my credit was ran. I was told by a loan officer that i have XXXX accounts with Capital One. XXXX accountis is open, this account I 'm aware of. The XXXX account I 'm not aware off, this account is reported as Force Closer. I contacted Capital One was told that this account does not exist. They will be mailing me a fraud report. How do I go about getting this fixed on my credit score? I hope you can help me with this very important issue. You may contact me at XXXX or by e-mail at XXXXXXXXXXXX. I appreciate your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Southwest Business Corporation
State: TN
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:
My mortgage company continues reporting a balance {$10000.00} greater than my loan. This has contributed to me being declined for credit accounts with other merchants. 
This was previously disputed with the credit bureaus and corrected in XX/XX/2020. I've attempted to dispute the error again but the credit bureaus will not reinvestigate since it was disputed and corrected already. 
My current balance upon viewing my mortgage summary from the providers web portal is {$270000.00} In addition to Fair Credit Reporting violation, the mortgage company will not respond to my inquiries in regards to exiting my forbearance plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
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: Information belongs to someone else

Complaint:
On XX/XX/2021 I applied on XXXX 's website for the Visa Signature Rewards Card issued by XXXX. The website said the application was unable to go through ( I do not remember the exact reason it said ). I was going to try and apply again on the website but I looked at my credit report from Equifax on XXXX XXXX and saw that I had a hard inquiry from XXXX. I then have been going back and forth calling XXXX and XXXX to figure out the problem. XXXX says that they have no application processed from me, even though the website shows that I applied, and XXXX says they never received an application from me. I know the information was entered correctly because it is showing on my credit report. Long story short, XXXX directed me to XXXX, who then directed me to Equifax, who then directed me to FTC.gov, which then directed me to y'all. I would like to either have the application fully processed if possible, or at the very least have the hard inquiry taken off since the application was never processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX , XXXX Claims I owe them XXXX , and I don't owe them and know nothing about this " Debt '' .. I've reached out directly to them VIA there website " Contact Us '' 20 days prior to this day and have asked for Verification and Validation and haven't received a response whatsoever. and I don't want false information to uploaded to my Credit Report without any Verification. Thank You CFPB.

Company response to consumer: Closed with explanation