BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The following accounts listed below do not belong to me. I requested copies of the original signed consumer contracts documents showing proof of my signature from the credit bureaus twice and I did not receive any contracts verifying I opened these accounts. Therefore, the credit bureaus are showcasing inaccurate information. I made two attempts and all accounts were verified without my consent and original contracts received. The first written attempt was made on XX/XX/2019 and the second written attempt was made on XX/XX/2019. 

Listed below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXXXXXX 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

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 2021-07-27
Company: Exeter Finance Corp.
State: CA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I contacted Exeter Finance, LLC ( Creditor ) to dispute a missed payment listed on my credit reports. The account in question has been closed for over a year, as it was paid it full prior to the account monthly due date. 

30 days had passed with no response from the creditor, so I called them to inquire about the dispute, one representative said the dispute was never filed by them, and another representative who handles disputes stated the dispute was still processing. I informed the representative that they must remove the account from my credit report because they are time bared according to FCRA. An additional 30 days had passed and the creditor continued to report the account being late. I then received a letter from creditor by mail that was unrelated to my dispute asking if the matter was handled. On XX/XX/2021, I sent a certified demand letter giving the creditor 15 days ( XX/XX/2021 ) to delete the account from my credit report or I will elevate the matter to include legal remedies. On XX/XX/2021, my demand letter has been ignored and the creditor continues to report the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Effective XX/XX/2019 my loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX. When I received no documentation from XXXX XXXX XXXX I was provided their information via XXXX XXXX XXXX. 

I called to inquire how to make my first payment and I was directed to the website where I registered and successfully made my payment on XX/XX/19. I attempted to make my payment today XX/XX/19 and their website reflects my account as past due.

They have the payment due as XX/XX/19 and as such flagged it as past due. Because of the account disposition I am unable to do an auto draft and when I try to make the payment online they are trying to charge me a {$10.00} payment fee. I called customer service, which was closed. The automated system allowed the option to pay for a {$12.00} fee. 

My account is not past due as they have reflected as of today 's date ( XX/XX/19 )  under the terms of my mortgage " If your payment is more than 15 days late, your lender will charge a late fee of 5 % of the overdue monthly principal and interest payment. '' I have yet to receive any documents, statements, nothing from this lender. I believe it is a deceptive practice to lock an account as past due in order to charge a processing fee. Florida statute is clear about the " late fee '', but this lender is intentionally bypassing that by prematurely locking down the account as past due in order to charge a " processing fee '' - this is deceptive and fraudulent.

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 2020-07-06
Company: ALLY FINANCIAL INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Paid company {$4300.00} to be applied to Ally car account for previous car lease on XXXX XXXX  XXXX.Ally still attempts to collect on debts not owed due to offer of settlement that was believed to resolve the aforementioned account. The payment was applied to but didnt satisfy the entire balance and obligations.

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 2022-12-16
Company: Oklahoma Student Loan Authority
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I was told false information about the school and program. They avoided all my questions that would have revealed them being a private school the cost of attendance and financial advisor never spoke with me or return my called. I asked a week before my monthly attendance to be removed from the school due to false advertising and my advisor stop contacting me or neither return my calls after the information had been revealed and I told the school that's not the information that I received. They yet have removed me and I told them about my last school who had done the same thing and that's why the advisor lied to me. I knew when she asked me do I know anyone who is interested in furthering their education that they was a scam and enrolled students telling lies just like my previous college. Advisors lie to enroll students to get paid...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have several credit cards, one of them is a XXXX XXXX XXXX which sent me two promotional checks that if used they would not charge me interest for one year. So this was a good idea to pay off other credit card balances that were charging me high interest. 
The promotion was good until XX/XX/XXXX. So before I used them I made sure the credit cards that I was going to pay off were both up to date on payments because I wasn't sure when the checks would hit the account since I had to mail them out. So I used one check to pay off a credit card balance of a XXXX credit card on XX/XX/XXXX in the amount of {$3300.00} I also used another check to on XX/XX/XXXX to pay off a balance of {$1800.00} on a Synchrony bank credit card. I kept checking all three card accounts to make sure the checks cleared. Well the XXXX card was paid off and the new balance showed up on my XXXX XXXX account so that was good. But on my Synchrony card account it showed that the account was paid off but it never showed up on my XXXX XXXX account which said to me something is wrong. So on XX/XX/XXXX I called my XXXX XXXX account to see what was wrong and they told me they denied the check because I didn't have enough credit to cover the check. So I called the Synchrony card account and told them that that check isn't going to clear but they said to call my bank because they re-deposited it. So I left it to see if it would clear because I didn't owe them another payment until XX/XX/XXXX. I called the Synchrony card again on XX/XX/XXXX to see what was going on and they said everything is good and I didn't owe them anything at this time. So I left it alone. 
I called them two more times once on XX/XX/XXXX and again on XX/XX/XXXX. When I called on XX/XX/XXXX. They told me the account was closed to purchases because of " the number of dishonored payments ''. Subsequently worse than that they closed all my Synchrony Bank related credit card accounts for " dishonored payments '' from other accounts. 
Up until this incident every card was up to date with payments and there were no problems. I called them two more times since then but they told me there is nothing they could do and accounts are all closed. I really could care less if I never use a card from Synchrony bank again because I have other credit cards but this will do damage to my credit rating which is most important to me. I worked hard in the last 6 years to get my credit rating back and because of one incident they close accounts and have my credit rating damaged. NOT ONE OF THESE CARDS WERE MISSED A PAYMENT EVER! They could keep their cards all I want is my credit rating to be kept in good standing. Be careful of Synchrony Bank because they have many cards with different names that still belong to them.

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 2023-10-17
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 never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I use my XXXX  XXXX  credit card solely to benefit from the rewards program. I have pristine credit. I have a strong history of paying off my balances in full as soon as they appear on my statements. I receive paperless statements, which has not been a problem until recently. XXXX XXXX switched to Capital One in XX/XX/XXXX. I made a purchase in XX/XX/XXXX. I thought I had pause this balance in full in XXXX. I never received an email regarding an outstanding balance. I made another purchase in XX/XX/XXXX at XXXX XXXX and was expecting a statement, which I received in late XX/XX/XXXX. When I logged into my account, I saw that there was an unpaid balance and that I had been accruing late fees and interest on that balance for several months despite never receiving any email notification prior to this about a past due balance. I called Capital One and after spending over 45 minutes on the phone with various customer service representatives, they would only remove the most recent late charge and interest. I paid in full the outstanding merchandise total while on the line. A supervisor consulted with their technology team regarding the fact that I was not receiving previous email statements and that they were not in my spam folder either. I was then asked have you gotten a new phone recently? To which I honestly answered yes around the holidays in XXXX. Per the supervisor, due to my yes, there was nothing further they could do for me because the missing emails were as a result of a new phone. But yet I suddenly receive an email statement in XXXX after not doing anything within my phone to enable that?!! I have NEVER heard of such a thing as an excuse. I am fortunate that the over {$100.00} in fees and interest on a ~ {$300.00} purchase is something that I can easily afford but am infuriated to pay. Other consumers are not in the same position and this type of response is beyond unacceptable from Capital One. It is despicable. Consumers BEWARE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: BARCLAYS BANK DELAWARE
State: OR
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:
Complaint ID XXXX I received an partial answer on my complaint : However the company Barclays Bank of Delaware did not include balance in my account nor any information as to where the {$400.00} dollars I had paid them went. In reviewing the payment history they have not applied the amount to my account so where is it.. I have cancelled checks showing payment but it does not appear on my payment history. 

I called bank and the loan office could not give me an explanation 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 monetary relief
Consumer complaint received 2022-12-08
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:
Equifax has knowingly disregarded my disputes on the XXXX XXXX XXXX dispute. I submitted paperwork showing this was paid and closed to be removed in XX/XX/2022 and the continually keep violating the FCRA and keep inaccurately reporting it. It is supposed to be removed as part of the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS 9PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2019-10-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently transferred ( XXXX/2019 ) to PHH which is now attempting to place me in foreclosure. Not only is the loan amount incorrect they are claiming {$50.00} in collected interest which is incorrect by approximately {$15000.00}. in addition my loan balance is incorrect by nearly {$55000.00}. I have end of year statements from OCWEN ( the original lender ) which PHH has completely ignored. I have attempted to contact PHH for statements concerning my loans and after more than a dozen phone calls and requests I was finally faxed a W-2. The W-2 is incorrect not only in the amount owed, but in the interest paid. I am in the process of a short sale and PHH has not provided any documentation at this point. I have spoken to countless agents all of which have provided differing loan amounts and payment requirements. I am XXXX years old and a real estate agent and have never seen such blatant fraud and incompetence. I am fearful that their inability to even provide an accurate statement could cost me my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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: Public record information inaccurate

Complaint:
I have disputed a bankruptcy that is showing on my reports multiple times. 

All credit bureaus are reporting this false information and not a single one of them has deleted this inaccurate information. 

This is not my bankruptcy.

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 2019-07-11
Company: JPMORGAN CHASE & CO.
State: VA
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:
I came to know about the Hard inquiry on my credit score from XXXX XXXX XXXX XXXX on XX/XX/2018. It is wrong information. 

Secondly, I found another wrong Hard inquiry on my credit score from Jpmcb card service dated XX/XX/2018. 

Kindly remove both wrong information and increase my credit score accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I don't know the company, it's a fraud and they are imposing as an attorney. I wrote a letter to them saying if you think you have an allegedly debts can you please, Validate the alleged debt ( the actual accounting ), Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ),  & provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorised representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account. 
It's unfair, deceptive, & an abusive acts or practices by them. 
P.S. they ruined my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have contacted Citibank several times over the past year to change my due date from 15th to the 30th. I requested this over the phone, through chat and also they mailed us a form to complete to request the change which was completed and returned. Every time i contact them since this time they advise the system is down and they can not help. In the meantime due to financial matters i can not make the payment on the 15th and they are now charging me late fees each month even though they are fully aware that a simple due date change would put me current and avoid the fees. The resolution was to put me into a payment plan for a payment on the 15th which DOES NOT help me. The late fees and charges keep accumulating in the meantime. I just want my date changed to the 30th and to have the late fees reversed due to this matter.

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 2021-06-10
Company: EQUIFAX, INC.
State: GA
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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$6000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$2600.00} Reason : Account is fraudulent Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$21000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$180.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$220.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$370.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$130.00} Reason : Account is fraudulent Account Name : XXXX ( XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$980.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) Account Number : XXXX AMOUNT : {$230.00} Reason : Account is fraudulent Account Name : ORIGINAL CREDITOR Account Number : XXXX AMOUNT : {$290.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation