BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have XXXX chargeoff on my report The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer 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 non-monetary relief
Consumer complaint received 2018-10-29
Company: Opportunity Financial, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am furious! I have been battling XXXX for months now and thought I had reached resolution only to have XXXX not stand by its side of the resolution. I have a {$2000.00} loan with XXXX and have been fighting with them to come to a settlement given their predatory nature. At the end of XX/XX/XXXX, I spoke to Mr. XXXX XXXX. He stated the best XXXX could do for me was make the loan a zero interest loan and require me to pay {$100.00} per payday even though I stated that would be a hardship. I made the first {$100.00} payment on XX/XX/XXXX ( a day earlier than it was due ) and mailed the XX/XX/XXXXpayment ( which they claim not to have received ). To date, I have paid {$580.00}, therefore, my balance due should be {$1400.00}. My Online account shows my balance as {$1900.00}. This is 1000 % INCORRECT. I have reached out to XXXX MULTIPLE times to get that fixed with no response. My online account also shows that I owe {$180.00} per payday which completely VIOLATES the agreement I entered into with Mr. XXXX. Despite my wanting all correspondence in writing, he refused and now I see why. On XX/XX/2018, XXXX threatened me with collections stating I am {$270.00} past due. This is false information. XXXX is now lying about the status of my account. This is unacceptable business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account I do no recognize on my credit report from XXXX XXXX XXXX. reporting to all three credit bureau 's. I am requisition the original creditor and a full accounting from when the account was opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Prosper Marketplace, Inc.
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I spent 2 days submitting info to Prosper.com. They have it so you can sign in through email or password. So i get an email saying my loan had been denied and to log into prosper to find out why. Prosper closed my account BECAUSE the loan was denied and therefore gave no access to find out why. When i called they said that it was something about income verification and that the form i provided didn't meet their requirement. They literally told me to log into an account that they had closed. Didn't even try to get the proper verification for my financials. So they denied my loan over something that could have been rectified, closed my account so i couldn't fix this issue, then told me to check my prosper mailbox to find out why it was rejected AFTER THEY CLOSED MY ACCOUNT. Spent two days and many hours.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Absolute Resolutions Corp.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have previously filed complaints against XXXX XXXX XXXX and they have provided you with false or misleading information, While it is true one of the loan agreements is in litigation, as of this writing it is not in arbitration because XXXX refuses to pay the fees. 

The second loan agreement is not part of any litigation or arbitration and therefore their response is false on its face and they are refusing to engage in arbitration as required under the loan contract. They are obviously not taking these complaints seriously and are providing you with false information. they are also in violation of the Federal Arbitration Act and CFPB regulations. Because of the agregious nature of their acts I am requesting that the CFPB file an enforcement action against Absolute Resolutions and their attorney and collect a civil penalty in accordance with the regulations. 

To be clear, in their response they said that both loan agreements were in litigation. One was and one was  not. Neither are in arbitration at this time. See complaint number XXXX for more information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
BANK OF AMERICA {$2300.00} XXXX reported this by submitting a complaint, they keep stating it is verifiable. They use my account and identity information to prove it. However, this account was opened fraudulently. I have an FTC, CFPB, police report, and more. I also have this message in my credit reports. 

I do not have any knowledge of this said account and it needs to be removed now.

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 2023-05-31
Company: American Coradius International LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from American Cordaius International stating that I owe XXXX a {$30.00} debt as of XX/XX/23. I don't have a debt on my XXXX and in fact have a {$100.00} credit. The account is also linked to my bank and credit card and hasn't shown up on my XXXX Credit report. I am waiting to hear back from XXXX but I am not sure how to proceed as it appears my information ( name and address ) is available online, but not sure what else. 

A photo of the letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Affirm Holdings, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in the early month of XX/XX/2022 I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. The history for XXXX and XXXX is missing -- COMPLETELY. The history for XXXX has gaps in payment history and differs from the other reports that XXXX and XXXX has provided. The last activity dates are inconsistent and seemingly updated randomly. Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: The CMI Group, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have two collections account reporting on my credit with XXXX XXXX XXXX both for past due XXXX XXXX accounts. Both accounts were paid in full not settled. Payment was posted and both collections are still being reported as " OPEN '' and open balance as past due. I asked if they could email a receipt of payment and they stated they could but have not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: NY
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:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late for XX/XX/XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to XXXX XXXX  and unfortunately the late was generated during the grace period for the payoff and consequently is now reporting in error. ( I have attached a copy of the letter dated XX/XX/XXXX from XXXX XXXX. ) Please note paragraph ( 4 ) of the letter stating beginning on XX/XX/XXXX payment, all future remittances should be sent to the address listed above. Because the payment was remitted to the new address well within the grace period for transferring a loan, this late that is reporting needs to be removed. This false reporting of a late is seriously harming my credit. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On XX/XX/2022 I notified XXXX XXXX XXXX XXXX of inaccurate information of bankruptcy on my credit report. XXXX claims information is pulled from transunion and duplicated into their internal member credit reporting account portal. The XXXX portal provided a bankruptcy filing date of XX/XX/2022 with a status of being XXXX as XX/XX/2022. O notified XXXX that this information was inaccurate and obviously impossible understanding the legal time frame for bankruptcy court proceedings. In addition, I requested an administrative review in order to assess if such was a technical error that could be fixed electronically. XXXX maintained I should dispute the information with TransUnion directly. I continue TransUnion later the same day XX/XX/2022. TransUnion advised to directly dispute this information with XXXX. 
I applied for a personal loan on XX/XX/2022 with XXXX which was denied as a result of derogatory, inaccurate reporting. This misinformation has caused a adverse impact on my daily living capacity and caused further harm to credit profile

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 2023-05-31
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
BARCLAYS BANK DELAWARE {$2400.00} I have contacted the company and have reported this to my credit reporting agencies. The company just verifies it with already-known information. I have an FTC, CFPB, and a police report that I am a victim of identity theft. This is also shown to be true on my credit reporting agencies ' accounts. 

This account needs to be removed.

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 2023-05-31
Company: CrossCountry Mortgage LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
indiana housing and community development senXXXX Cross country mortgage XXXX on XX/XX/XXXX to date which is XX/XX/XXXX they still havent applied the money ive made several attempts to get this resolved and i keep calling every week and still no answer the customer service is rude beyond measures and very unknowledgeable about the business there speaking about. they always tell me a supervisor will call me back and they never do. i called Indiana Housing today and they gave me the info to file a complaint cause they say the money was sent electronically and CrossCountry recieved it and they had 31 days to apply the paymen this is now XX/XX/XXXX 4 months later i have numerous of reciepts from Indiana Homeowners where they sent the payment. Got a paper in the mail on XX/XX/XXXX stating my mortgage will go up by XXXX dollars because of deliquency and im not deliquent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I paid off a charged off credit card on XX/XX/2020. I was informed by home refinance company I need a receipt to prove the had been paid. I contacted Bank of America on XX/XX/2020 to request a receipt for the payment. I was instructed that the receipt would automatically ve send within 10-15 business of payment. The money had been debited immediately from my checking account. As of XX/XX/2020 I have not received the receipt. I contacted Bank of America today and was informed that I had to specifically request a receipt for the payment. This information is materially different from the information I was given on my XX/XX/2020 call. This misinformation has caused a substantial and detrimental effect on my va home refinancing.

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 2023-10-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAVE DISPIUTED THIS ACCOUNT TO DO NEGATIVE INFORMATION ON BUISNESS PROFILE REPORT THIS FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I used Affirm to buy a product and pay over time. 

Towards the end of the monthly payment cycle, I had unknowingly made a mistake and opt out of automatic pay system. This resulted in my account being late for my payments. After finding this out, I had called affirm, I believe XX/XX/2023. I spoke to an agent, the agent let me know that there was still time to make the payment. Immediately after hanging up, I made the payment in full through their app. The payment was processed by XXXXXXXX XXXX, and I thought that was that. 

Few months later, I noticed that my XXXX credit was significantly lower than the other two credit bureaus. I came to find out that they had written me off, representing to XXXX as if I had not paid the debt. I called Affirm and spoke to a supervisor. I was told that I was written off as of XXXX XXXXXXXX XXXX, and because my payment came through on XXXX XXXX, there was nothing they could do. 

The time it takes for their app and my bank to process the payment is out of my control. They fully know that once you click " pay '' on their own app, that the payment isn't made instantaneously. Even though I listened to the advice given me by one of their representatives over the phone on XXXX and paid the owed amount in full, they made a false representation to XXXX. All of their phone conversations are recorded and if they wanted, they have the ability to verify and help solve this issue, but they refuse to. 

I am submitting my XXXXXXXX XXXX statement, and a screenshot of confirmation email received from affirm regarding my payment made on XXXX as supporting document. If needed, I can also contact my old phone carrier and try to get a record of me calling Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Paypal Holdings, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX stating that I owe PayPal a {$30.00} debt as of XX/XX/23. I don't have a debt on my PayPal and in fact have a {$100.00} credit. The account is also linked to my bank and credit card and hasn't shown up on my XXXX Credit report. I am waiting to hear back from PayPal but I am not sure how to proceed as it appears my information ( name and address ) is available online, but not sure what else. 

A photo of the letter is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX account for months. Equifax and XXXX  have reversed them but XXXX is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Lockhart, Morris & Montgomery Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid off. I keep having debt collectors reopen the account and I dispute through the credit bureaus. It comes out in my favor due to it being paid off already, but my credit score falls and it takes time to correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Santander Consumer USA Holdings Inc.
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I had a loan for a XX/XX/XXXX XXXX XXXX that had multiple issues with the transmission. I had the car repaired multiple times under the recall that was issued. The car would automatically downshift into first gear when while traveling and often on the highway. This almost caused an accident more than once. The car was not safe to drive. 

I went to the XXXX XXXX XXXX dealership where they replaced the transmission twice, serviced it at least twice with computer updates and so on but the problem persisted. The service manager continuously fought with me about the car and kept refusing to fix it. He told me that the car had already been fixed and that the campaign was expired due to having 100k miles on it. I showed him the letter that XXXX sent to me and he still continued to argue with me. He made me call the XXXX hotline where he got into a heated argument with the woman on the phone who told him that the car was still covered and that they had to fix it. 

He begrudgingly ordered the parts and said that it would take 4-6 weeks to get them because I was now on the bottom of the waiting list. During that time I had a XX/XX/XXXX and was unable to drive. I called and explained that I was trying to work out a way to get the car to him. He gave my parts away to another customer and after trying to work with him I got no where. 

I tried to trade in the vehicle to another dealership ( XXXX XXXX ) and after them test driving it they said there was something seriously wrong with it and there was nothing they could do for me. 

I needed a safe vehicle to drive and since I couldn't get any where with anyone on this XXXX, I told the bank to come get it because I couldn't afford to pay for 2 vehicles. 

The car is still tied up in a class action lawsuit with XXXX XXXX.  However, the car is still damaging my credit and I need to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation