BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: Albert Corporation
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I never got a loan. There was no option for not receiving a loan. I tried to use an app called Albert to get a cash advance until my payday. Not only was I denied but the moment I was denied and seen the app was messing with my banking information and account I had asked to have my account deleted and I had tried to delete the account myself so Albert the app would not still have any access to my account since I was denied. XXXX weeks later my check was supposed to hit Friday XXXX XXXX and come to find out Albert not only denied me and stole my money but it took 100 % of my {$910.00} check I have yet to get my money and I am highly distraught. I have been scammed and this is disgusting that an business is even allowed this much access after having denied me any money but somehow the same business can take 100 % of my check in which they gave me {$0.00} no money at all

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Upgrade, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a credit card with Upgrade. I received an email from them on XX/XX/2023 stating that my payment did not go through and they would attempt again in 4 days ; I did not need to do anything ' ( see attachment 1 ). I had set up a checking account with Upgrade with a direct deposit that was enough to cover the payment to make the payments. So I called immediately and was told it was an error on their end and it would be taken care of. I received a second email later that day ( see attachment 2 ) stating 'Your automatic payments have been XXXX due to your delinquency exceeding 75 days past due. Any future scheduled automatic payments have been XXXX. ' I had no idea my account was past due ; the person I spoke with earlier said nothing about it so I called again and was told it was a billing error on their end and it would be taken care of in 2-3 business days.

I watched my account and emails closely. Now there was a message on the app that stated 'Your account is currently ineligible for new draws. Please refer to our email communication for more information '. Once again I was told the error was on their end and it would be taken care of in 2-3 business days. This went on for several weeks ; every time I called I was told the issue would be taken care of in 2-3 business days. Finally, I closed the checking account and put all the money to the credit card. I then found out that card was not able to be used because Upgrade checked my credit score and said the card could not be used because of my score. I then found out that Upgrade filled a notice with the credit bureau that my payment was past due by {$6.00} ( no one told me when I called and it was not mentioned in any emails ) and that notice by Upgrade LOWERED by credit score by more than 20 points. And they used the lower credit score ( which they caused to happen ) to discontinue use of my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting 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 the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX/ XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 ( a ) ( 4 ) states i have the right to privacy, 15 USC 1681 Section 604 ( a ) ( 2 ) : also states any consumer reporting agency can only furnish an account with my written instructions, they were never given written instructions

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 2023-06-18
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I can not open a checking account because I was scammed by someone I thought I could trust that was very close to me, they deposited a fraud check into my bank accounts after I trusted them with my banking information, they uploaded the checks via mobile deposit in a banking app and the next day my accounts were a negative balance. I need to be able to open a bank account for my full time XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE BEEN THE VICTIM OF IDENTITY THEFT. PLEASE REMOVE OR BLOCK THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS 5 ACCOUNTS THAT ARE ON MY CREDIT REPORT FRAUDULENTLY. PLEASE REMOVE THEM ASAP

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 2023-02-06
Company: Experian Information Solutions Inc.
State: GA
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 
XXXX XXXXXXXX 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
Consumer complaint received 2018-12-20
Company: CREDIT ACCEPTANCE CORPORATION
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:
In XX/XX/XXXX i received alert from XXXX that XXXX added a new account on my credit as a repo as if the repo had just happen, the repo was normal done in the later part of XXXX, but XXXX all Credit acceptance to report a XXXX repo as a freshly repo for XX/XX/XXXX dropping my score 53 points, and this was not a newly repo it was on my credit report before and i got it removed for inaccurate reporting from the company and XXXX before, so they added back this time as if it was new not as it was on my report before it was removed, the things i cant understand is that XXXX say they go by policy and procedures but when does it apply when its finacial benfincial to the company and XXXX are for the consumer, XXXX  does not get true and accurate information from the company before reporting they just trust the company to report whatever they want damaging the consumers credit file and not caring, XXXX and XXXX has delete this account per the credit acceptance and also as a early exclusion the two companies states that the file will not report on my credit because of the age of account, but XXXX   allowing the company to report inaccurate information on consumer report dropping my credit 53 points as a new repo when it was once on my credit before and remove for the same reasons

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 2023-06-18
Company: CADENCE BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company did not pay my escrow for 2 years. Company states that they did not receive my paper work for my insurance initially. 

Mortgage company did not do a reassessment since XXXX skipping XXXX. This year ( XXXX ) they stated since I did not have insurance and shows a deficit of XXXX dollars for my insurance for the year of XXXX, XXXX and XXXX they accumulated all 3 years and divided it into the current year raising my mortgage by over XXXX additional. Called bank they stated that my information on record was incorrect and is why I did not have access online and apologized. Company stated that they apologize for not doing an assessment year prior but there is nothing they can do I have to pay the amount since my original policy could not be back dated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had take a student loan out through my local credit union which was routed through University Accounting Services referred to as UAS from here. I have experience in loans and finance and believe their tactics are predatory. 

Although through UAS they have several companies like XXXX XXXX  and XXXX XXXX. I updated my address with UAS and checked the balances to ensure I was not past due which made sense given I just graduated. 

After this my father and I received a delequincy notification from the provider. Trying to make this right I called UAS which was the company on the bill saying past due. They informed me that everything was fine and it was likely an issue on the credit scoring company. A month later I get a second delinquency notification. After calling back I found out they weren't looking at both companies they owned and had two separate portals for their loans. Because of this despite calling and trying to pay I was not getting bills to the right address, and it showed now balance in my portal. 

Having two separate portals and treating them as two separate services is very deceptive in my opinion. As a consumer I am still dealing with this and now have had my credit score dropped over 100 points and have waited 15 days for a response after being told to email the company and complete aforebance form despite multiple follow-ups. The worst part is I have stated multiple times I am fine paying them if I owe money on my loan and set-up monthly payments to ensure there is no issue but I have been meeting with hostility. 

The company has framed it as my fault I didn't understand they own two separate loan providers despite both being owned by there company. 

Once XXXX comes if they have not fixed it I will have had a triple month delinquency. This is affecting both my father and I and could very well likely delay my ability to purchase a home due to the massive credit score drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a current bill for XXXX XXXX for a visit on XX/XX/2017. XXXX had active insurance through XXXX at this time so I'm unsure as to why I am receiving a bill for these services and furthermore why the bill was added to my credit report as a collection account. I've reached out several times to have this investigated and there is no outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried on multiple occasions to pay my mortgage. On XX/XX/XXXX of 2023 I paid XXXX dollars because Mr. COOPER keeps reversing the payments as if I havent paid. I spoken with someone multiple times about thr issue and they are reporting to my credit bureau that I haven't paid. They keep reversing the payment to try and force me to refinance or go to a plan they have at a higher interest rate. It states I've been behind since XXXX and I have made payments through their o line portal, with a representative and each time they say their system is messed up. This issue needs to be fixed along with a letter regarding reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company initial calls from the XXXX provided w/ DCI on Caller ID. This is Diversified Consultants attempted to collect a small amount of about XXXX. They have repeatedly called and continue to harass by calling from other phone numbers mostly XXXX area code. This company has once informed of the nature of the debt but does not note such on my personal credit reportings. The nature of the debt is fraudulent as know money was agreed owed by the apt complex in which I believe this debt relates. Such is the case a full 13mo lease was paid and extended on a month to month basis until a written and agreed move out date was filed with the apt complex. Assuming this is in fact what they attempt to collect ... the amount is fraudulent and not owed. 

This company ( Diversified Consultants ) has managed to reduce my XXXX Credit score many time with the last report resulting in a 16pt decrease following last discussion. 

I have blocked the XXXX number the company continues to harass calling from varied numbers as suggested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently checked my credit report to notice that there was an American Express account that was opened under my name with a address in XXXX XXXX, CA that I have never been affiliated with. 
Opened : XX/XX/2022 Balance : {$12000.00} I called Amex fraud department but I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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:
15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b states a creditor may not treat my payment on a credit card account under an open end credit consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: DISCOVER BANK
State: CT
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:
XXXX XXXX XXXX XXXX XXXX XXXX, CT, XXXX XXXX 15 U.S. Code $ 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in Violation Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-10-05
Company: National Credit Systems,Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My ex husband forged my name On a lease for an apartment complex to get a lease on apartment after we broke up and got divorced. I was living since XX/XX/2018 with XXXX XXXX ( now my husband ) at XXXX XXXX XXXX XXXX Fl XXXX. Can verify this XXXX. The credit bureau removed it once and then have added it back, and I keep disputing it, but they will not remove it. NATIONAL CREDIT SYSTEMS has no authority to post a collection. They never sued me or brought any civil action ( which I would have gladly defended myself and won in a courtroom ) so they can not just add a collection and RUIN my Credit just because they feel like it. They have NO judgement or Lien against me. PLEASE make them remove this. It is hurting me trying to buy a car, or buy a home. My signature appears NOWHERE because I signed nothing. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity was recently used to open accounts in my name using my personal information that was exposed in the XXXX mass data breach. Now someone has been opening accounts under my name and making charges to other accounts without my knowledge. I have contacted the creditors and this bureau several times to notify them of the fraud and there has been no action taken! I am demanding that this information be removed immediately as it is fraudulent. This is an official NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA XXXX5 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt XXXXollectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2021-03-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my property in Hawaii but never received the remaining escrow. I contacted the Lakeview Loan Servicing but since I've sold the property have my loan on record. 

I've provided them with my loan number and the settlement document with their information but they are still unable to find my account. My Loan NoXXXX was deleted after it was paid in full. The remaining escrow was never forwarded to my new address. 

May I ask how your assistance in claiming my remaining escrow? 

V/r, 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
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # 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 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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