BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I lost my job last year and fell behind on mortgage payments. I am employed now and trying to catch up. I was approved by XXXX XXXX XXXX district for a XXXX exemption and reduced property values. I have been working on getting the exemption and reduced property value applied to my loan since XX/XX/XXXX. I have called Loan Care on multiple occasions and could not get any answers as all the employees are only trained to collect money. I have spoken to numerous XXXX XXXX reps in the collections, escrow and customer service departments to no avail. I reached out to XXXX XXXX with XXXX XXXX on XX/XX/XXXX and she informed me that they do not send this info to the mortgage company. Every time I have spoken with a Loan Care rep they state they are not responsible for gathering that info as well. I received copies of the XXXX Exemption and reduced property values and not only emailed but also mailed copies to the Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Almost every email address I tried sent a reply stating that those emails are no longer monitored. The only one that did not kick back was the customer advocate email. When I asked a rep at Loan Care how to resolve this issue I was not given a valid email but instead a fax number. I have talked to 3 Loan Care reps this week and they all state my exemption and reduced property value is not in their system. When I asked if I would get any credit or refund for the months I overpaid I was told no. Now I feel I am being retaliated against for complaining as they are sending multiple letters and emails along with calling me five times a week.They have even sent people to photograph my home even though I keep telling them I still live here.I spoke with a rep today and she could not give me answers but made sure to ask about a payment. Every time I speak with a Loan Care rep they state they are making notes in the system but non of the reps see the notes .I have been communicating with Loan Care on a weekly basis. I can not get answers for my exemption and reduced property value which would lower my monthly payments and allow me to catch up.

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 2023-03-17
Company: CITIBANK, N.A.
State: WA
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 a XXXX APR balance transfer on my citi custom cash card ending in XXXX. I make enough payments to cover the minimum plus the purchases accrued over the month, I wait for the payments to settle before paying the card. My initial balance transfer was {$6600.00} on XX/XX/XXXX, it has been reduced to {$4900.00} as of XX/XX/14, while my purchase APR has gone from {$0.00} to {$760.00}. I make more payments that purchases each month, yet that amount has continued to creep up. You can see the discrepancy begins in XXXX. 

I am intentionally trying to not pay down the XXXX APR balance and only just cover the purchases subject to the higher interest rate. According to how I paid it down, I understood that I should have about {$6300.00} still at XXXX APR. 

I have been hung up on multiple times when speaking to customer service regarding the issue. I'm told they will check with their coworkers, as there appears to be an issue, then I am left on hold and they hang up eventually I believe Citi is prioritizing paying down the balance transfer instead of purchases, and then charging me the high interest rate on purchases.

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 2022-05-01
Company: EQUIFAX, INC.
State: FL
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  account number XXXX has violated my rights. 
15 USC section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2.8 It also States a consumer reporting agency can not Furnish a account without my Is written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account Under open in consumer Plan as late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly 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
Consumer complaint received 2023-08-15
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: NC
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:
On XX/XX/XXXX I mailed a notice of collection dispute to XXXX and XXXX reporting agencies regarding fraudelent information reported to them by Automobile Acceptance. XXXX did not return the Return Reciept I mailed to them, as required by the US Postal Service- a paid service. However, they noted on my credit report the following note " Between XX/XX/XXXX and XX/XX/XXXX the following remark was removed from this account : Consumer disputes - revinstigation in progress. '' At the same time they also added a note that the account I disputed has been updated to " Charged off acccount, fixed rate ''. 

XXXX. ) XXXX failed to contact me with information indicating the false account has been successfully proven by the creditor. 

XXXX. ) As I shared with XXXX, the creditor Automobile Acceptance has been submitting late payment information for the past three years. All the while knowing the vehicle has not been in my possession since XX/XX/XXXX. There is a note on the report that indicates the last last payment was XX/XX/XXXX - this is false- the vehicle was not in possession. Further, why is XXXX reporting late payments as of XX/XX/XXXX while noting the last late payment was XX/XX/XXXX? 

XXXX. ) Further, the creditor is claiming a loan amount of {$9700.00} due to them. This is also false as the loan amount was not for that amount. I DO NOT owe this Automobile Acceptance {$9700.00}. 

XXXX. ) Due to this false reporting on the part of the creditor, I requested the account be completely removed from my credit report. 

XXXX has closed the investigation, per notes on my report without completing the investigation nor removing the fraudalent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Affirm Holdings, Inc
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I purchased a gaming PC from a company that builds them on XXXX  XXXX, with all of the latest stuff, back in XXXX of 2022. I financed my purchase through Affirm, and paid off about {$1800.00} of the {$3500.00} balance almost immediately, to be finished with the loan in about 7 months. The company I was purchasing the computer from, XXXX Builds, went out of business for a myriad of reasons, and I asked them for a refund. I had no response from XXXX until XXXX saying that the company was frozen and all employees were laid off on XX/XX/XXXX, and to get a refund through my bank, or if financed through Affirm, to get a refund from them. I provided all legal documents and communications to show that the company is no longer in business and that I would like a refund. I have not received any communication back about getting my refund or any info when I call since XXXX from Affirm, or anyone else. It is a lot of money to withhold, and I would like it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Resurgent Capital Services L.P.
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was looking at my credit report with Experian and after scrolling through there web access I finally got to the personal information section and saw over twenty addresses and some of the address belonged to actual company 's. On XX/XX/21 I notified Experian by certified postal mail that the address were not mine I enclosed a copy of my identification a current utility bill with my address where I live and I have lived here for some years I also included my ss #. I have not heard from them so on XX/XX/21 I repeated the process now im filing a complaint becuase i now know this reporting of wrong information on my credit file is deliberate in each letter i asked them to remove all the address and phone numbers except the phone number and address I provided. They have not and refuse to comply and went as far as to tell me to contact the cfpb and file a complaint as it is my lawful right to do so, so i am.

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 2023-08-07
Company: FC HoldCo LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2023 flagship crediti acceptance changed my account number and didn't notify me at all..so when I made my payment in XX/XX/2023 it went out to wrong company and I had to cashe that out and resend it to their overnight processing office ... I have never been late with them even when XXXX and flagship first sold me a car that neither one had a title for I still paid..I have sent both of my XXXX and XXXX payment in by usps and someone signed for it and they claimed they haven't received it, ,but now they are charging me XXXX per day in interest and no one is helping me from flagship.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2019-11-20
Company: EQUIFAX, 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:
I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately! 

XXXX XXXX  XXXX name and address wrong XXXX XXXX XXXX name and address wrong XXXX  XXXX  XXXX  name and address wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This complaint is being to the Consumer Financial Protection Bureau because my personal information were used to open fraudulent accounts with multiple entities. This entities include retail rewards cards and credit cards with financial institutions that I never dealt and done business with. I have contacted the credit reporting agencies as required by law to inform them and have them remove the fraudulent accounts from my information. However, Experian and XXXX refuse to cooperate with the fact of the matter. I have followed every step they have advised me with, I contacted them, I contacted the Federal Trade Commission and filed an identity theft report to have these fraudulent account removed from my records. Yet, they have done absolutely nothing and refuse to do anything. By law, they are required to take action once they receive official government document that is filed with the Federal Trade Commission and have the fraudulent accounts blocked. I file this complaint against, Experian, XXXX, XXXX XXXX and XXXX regarding the fraudulent activities that have been appearing on my credit records without my consent and authorization.

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 2023-08-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
As an XXXX XXXX and longtime customer with Chase Bank, unfortunately I fell for a typical scam. I sent money to who I thought was my XXXX through XXXX. I've done this before and it didn't raise any flags. She wrote me off of social media which we use often to communicate, and asked for help paying a rent bill. I ended up sending the money through XXXX to the phone number that had apparently been hacked. I told my institution about the scam while the transaction was still pending and they said they would start the claim and I would get provisional credit in my account in the next 10 days. I haven't got any recovery and I've been denied XXXX times for the claim even though several other people were scammed as well and received their funds back with other banks like XXXX, and they filed after I did. I've also walked into the branch several times and they keep assuring me Chase Bank will refund me the money if I continue to call them ans escalate the scam and they aboslur can not help on the branch but I will definitely get my money back. It's sad the bank allows such a way to transfer money without any responsibility even though they had other regulations and obligations if this transfer was done differently. It's in their best interest to keep pushing customer to use XXXX so they never have to be responsible and can just say sorry you signed up for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was a victim of a fraudulent job scam. I deposited a check the check bounced the bank froze my account I called them this happened on XX/XX/XXXX the check was XXXX. I called and spoke to several people telling them what happened they were inhuman taking all my IRS payments, stimulus money XXXX to settle the debt. They cleared a fraudulent check. I paid through XXXX I begged them to help me and not take all that money in a matter of days they recouped by taking everything that came their way. Let me and my children with XXXX nothing to live on. The Citizens bank should not clear checks in full amount until they have their funds. The XXXX XXXXXXXX XXXX XXXX should compensate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Collection Consultants of California
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: Their investigation did not fix an error on your report

Complaint:
I have informed XXXX, multiple times, that an item on my credit report from Collection Consultants of CA is fraudulent. The latest report number is XXXX ( Collection Consultants of CA account number XXXX ) and the item in question is for {$340.00}. Both XXXX and XXXXredit Consultants of CA have been notified, in writing, with a letter provided by the Federal Trade Commission ( XXXX ) that the {$340.00} account is a result of Collection Consultants of CA fraudulently obtaining my personal information. XXXX claims to " verify '' the debt, but all they do is ask somebody else if the information is correct and the other person says, " Yep, it's correct '' and then they close the dispute. We've already established that somebody else has my personal information. Yes, Collection Consultants of CA have my personal information. Repeatedly asking them if they have my personal information isn't verifying anything other than they have my personal information. I have requested, in writing numerous times, that XXXX and Collection Consultants of CA provide actual proof in the form of a signed and dated contract for the {$340.00}. They have yet to provide this evidence. They have specifically been requested to send me copies of " Signatures on application and accounts '' through the official letter provided through the Federal Trade Commission. They have yet to do so. 

Also, XXXX keeps requesting that I call them even though I have told them, numerous times, that I do not speak on the phone and that I'm available through text, email, or US mail. They have now blocked my access to information with a statement that I must call them. I have informed them that I have a XXXX that precludes me from speaking on the phone, but they keep insisting that I speak on the phone. Unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Monterey Financial Services LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had made a complaint in XXXX about this company, they responded that the late fee would be waived and that a late payment was not reported on my credit report. I went to pay off my account last week and made the payment in full that it asked for and now the company is saying I was late in XXXX thus forgoing my 90 day to pay without interest. They have charged me over {$90.00} in interest and still have a balance due of {$21.00} even though I clicked pay in full. This company is a scam to say the least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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:
XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX and EXPERIAN is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

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