BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a chime credit builder account and not able to pay the {$14.00} balance because they said I can only pay with chime checking account. My chime checking account is in the negative so I cant use it until I get it fixed. Chime credit builder also offered another way to pay it from another bank. I called Saturday XX/XX/2021 to speak with the company about paying my credit card from another bank. The associate I was speaking to didnt know what I was talking about and I wasnt understanding how she didnt know what I was talking about when Im the chime app it says I can pay my credit card with another bank. How do you work for a company and not know all the details about it. She didnt want to transfer to nobody as well. Now my credit is messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company Chase, reaptedly calls my home phone ( XXXX ) between the hours of XXXX to XXXX everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Credit Control, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full on XX/XX/2020. We were told XXXX would update our credit report within 30 days. They are still reporting a balance to this day on all 3 credit burueas for {$54.00}. They recently mailed me a letter requesting me to settle the debt of {$54.00} and pay {$27.00}. This account was paid in full!!!!

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 2020-05-17
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The acquisition of PHH Mortgage by Ocwen was supposed to cure the enormous problems that Ocwen had - it hasn't. PHH is worse than Ocwen in customer reposes and service -m there is no one to talk to, they are not responsive to legally responsive questions, or the customer is just ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: FORD MOTOR CREDIT CO.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Purchased a new XXXX XXXX XXXX. Ford gives discounts/rebates if financed through Ford Motor credit. I received a loan and rebate ( {$750.00} ) from Ford Motor Credit for my purchase. The selling dealer employees as well as other Ford dealers informed me that if not at least 6 payments were timely made the rebate could or would be revoked. Being as several sale staff at several different Ford dealerships made almost the very same statement I would assume, as I would guess anyone would, Ford is aware of this and is their ( possibly un-written ) policy. After my purchase financed at an I feel exorbitant interest rate I called my personal bank and secure another loan to pay the Ford loan off. ( at less than 1/2 the rate with the very same terms as from Ford ) My concerns are : 1. As I understand it Federal law states there can not be prepayment penalties for the prepayment of loans. Is Ford in effect in violation of this law as 6 months payments apparently need be made before possible loss of rebate? Ford is most certainly aware of this issue. If personal at dealerships are stating the requirement falsey to protect sales commissions, Ford no doubt is fully aware of this matter and would be in criminal violation I would assume. This exact scenario has been going on for years. 
2. The Ford employee at closing had a 8 year, 5.59 % contract before me to sign with no indication or question in me being able to negotiate interest rates or terms. Was told rate was non-negotiable and was very difficult to get the term length reduced. Is this not predatory lending of some sort? 
I feel as Ford Motor Company colluded with Ford Credit Corporation to sidestep federal laws and practice unfair credit  practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Self Financial Inc.
State: MA
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: EQUIFAX, INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
I noticed a drop in my Equifax credit score. I investigated at XXXX and learned that XXXX made a hard inquiry on XXXX of this year ( 2017 ). I authorized service about a year ago with XXXX but never since. I disputed the hard inquiry with Equifax and they sent me an e-message saying the investigation was complete on XX/XX/XXXX. The inquiry was said to in line with the Fair Credit Reporting Act. Well, I knew I did n't authorize this inquiry so when I found time I tried to appeal. I can not access the investigation report because of an " Internal Server Error '' so I called them and looked for an appeal. I want to know what type of investigation Equifax does when consumers dispute something. If they just asked XXXX if the inquiry is authorized and they simply reply that is, why should anyone waste their precious time?! Nobody on the phone could do anything but read scripts. I ca n't see how any legitimate attempt was done to honor my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This complaint is in response to Wells Fargo response to complaint # XXXX and XXXX signed by XXXX XXXX on XX/XX/2018 I have reviewed all of the documents I received from the dealership. I was never given a copy of my credit application. 

I would like both of you, XXXX XXXX XXXX and Wells Fargo Dealer Services to send me the credit applications you each hold so I might compare 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 non-monetary relief
Consumer complaint received 2018-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I filled out a application on XXXX for a payday loan and it had me enter in my capital one 360 routing number and account number and then login to verify it was my account. After logging in I received a message error stating I was blocked from viewing my account data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi, my BMO Harris bank checking account has been closed on XX/XX/XXXX. I had a negitive balance of {$170.00} that i new of and had the money short after they closed the account. During this coronavirus pandemic crisis they still closed my account without any warning or calls besides one email that said the account will be closed because of insufficient funds. And not allowing me time to pay them during this crises. I called the main corporate office and they just told me all i have to do is go to the branch give them what i owe and they would reopen the account as soon as i make it current from the drive through. Well i tried to make the deposit and the teller at the branch told me i couldnt and it is not that easy, telling me it will take up to 7 weeks because it is alot more complicated than that. I feel during this pandemic they should have made sure the bank account wasnt ever closed because i have to have it open 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 2018-04-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Previous CFPB XXXX. Company fail to dispute fraud charges : Account ending with XXXX. This company still haven't help me This is fraud charges : XX/XX/XXXX {$34.00}XX/XX/XXXX {$4.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$7.00}XX/XX/XXXX {$2.00} XX/XX/XXXX {$100.00} Please correct bill.

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 2019-05-29
Company: EVERBANK, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
Mortgage company is some staple policies and reporting late payments based upon the date that they post payments not the date that payments are made and according to loan notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Date Open XX/XX/2017 Ask them to Delete {$1300.00} From XXXX  and it remained non removel on report, I need this {$1300.00} Removal damaging my score and report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: C/C Financial
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: Account status incorrect

Complaint:
On XX/XX/2020 I filed several disputes with XXXX  using the online disputes portal. On of those disputes included an account known as XXXX  XXXX XXXX which was reporting as a charge-off/ collections account. In my dispute I provided XXXX  a letter which stated that XXXX  XXXX XXXX account was paid in full and the account was closed. My dispute was a request to correct my Merchants Account. On XX/XX/2020, I received an email from the XXXX  XXXX Department which stated that based on the documents I submitted with my dispute # XXXX, an XXXX   Dispute Specialist modified the account information. When I logged into my XXXX  account I observed that my XXXX XXXX  XXXX account payment status was updated as now paying/ was a charge-off and I had multiple months of missed payments added to my payment history. I contacted XXXX XXXX  XXXX who informed me that they were never contacted about my account, my account was never in a charge-off status, and the only late payment was XX/XX/2020 which was a 30 days past due. XXXX XXXX  told me to contact XXXX  to have it correct was they could not change anything they didnt update. When I reviewed my credit report I observed that the Merchant Preferred Lease account was never updated and that the document I submitted for that account was applied to XXXX XXXX   XXXX account. Because of this error my credit was impacted and now I am having difficulty getting it corrected both accounts corrected. Furthermore XXXX  is initiating disputes that I did not request.

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 2019-11-15
Company: National Credit Systems,Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my credit report & noticed that a company by the name of National Credit Systems based out of Georgia was reporting that I owed {$2800.00} for a collection that I didn't recognize. Nor was I ever contacted by this company regarding this account or debt. I tried disputing the debt directly with the credit bureaus, they said that it was verified by National Credit Systems. I sent national credit systems a debt validation letter requesting more information. I sent the debt validation letter on XXXX XXXX. It was received by National Credit Systems via certified mail on XXXX XXXX. I have yest to receive any correspondence in regard to this debt or this collection. The credit bureaus continue reporting the debt/ collection when I have yet to receive any verification from National Credit Systems pertaining to this debt/ this amount. They have yet to inform me via mail as to why they claim I owe or am responsible for this amount. Please help me as I have tried all that I can to obtain information on this account that National Credit Systems is stating that I owe. I have tried disputing with all three credit reporting agencies. XXXX XXXX XXXX XXXX. All three state the account has been verified. National Credit Systems hasn't even contacted me at any point in time regarding this debt/ collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the XXXX breach. I called each of the three numbers given on the FTC web page instructions : XXXX XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
XXXX : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
Transunion : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Don't recognize the account never applied

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 2021-01-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
BB & T is reporting an erroneous account on my credit reports with XXXX, XXXX, and XXXX. I have attempted to dispute the account with the credit bureaus along with BB & T directly but they have ignored my request. This is a violation of the Fair Credit Reporting Act and I demand the account be removed because of this. I have attached the latest letter sent to BB & T along with the Certified mail slip confirming that BB & T received my letter. 

Certified mail slip to BB & T 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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX XXXX resolved inaccurate information with Public Records section of my Transunion LLC and XXXX Credit Files. These Two Entities Refuses to Acknowledge any Update information and by law refuses to delete unknown information. Their system E-Oscar, is verifying inaccurate information consistently and not verifying with the actual source XXXX XXXX. I need these two Entities to follow FDCPA and FCRA. They are breaking laws and violating my rights.

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 2021-02-02
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
Early Warning Services , LLC. has engaged in several violations of federal law. I have contacted them countless times in the past to resolve these issues amicably. However, they refuse to take all my demanded actions that are my rights as a federally protected consumer pursuant to the Fair Credit Reporting Act under Title 15 Chapter 41. I have begun my private administrative process against this company and have attached my first Affidavit of Truth I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Byrider Franchising, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
i went to triad in my car for a newer one and was told that my car is not worth what they are charging me and that i have XXXX $ in negative equity and i still have over two years left on the loan and owe over XXXX $ and i was told that my loan should of been paid off because its not worth what they are charging because my car is only worth XXXX $ and by the time its paid off it will be worth XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have has an issue with all 3 Credit bureaus that have reported information on my credit that are very false I have over 32 inquires one my account due to false information from identity theft and I want it removed it has brought my score down major and Im not even XXXX with all of this false information on my credit XXXX XXXX has recently removed certain information Im thankful for that but majority of the inquires still stands I have multiple inquires from companies that I have never done business with from fraud behavior intended on getting goods that I knew nothing about at all. PLEASE REMOVE THIS INFORMATION I have never dealt with or has any association with these companies

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 2021-11-29
Company: EQUIFAX, INC.
State: GA
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:
Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
By ignoring my disputes, I feel as though I am being taken advantage of. XXXX makes it abundantly clear that failure to review a credit report item within 30 days will result in its immediate removal. These entries should be deleted immediately as they are older than 60 days.

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 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I am listed as a authorized user on my wifes XXXX XXXX XXXX XXXX since 2017 however, it has never been reported to Transunion. I have contacted XXXX XXXX with my wife and they stated that they have forwarded all activity to the 3 credit bureaus since the opening of her account. 

In addition I believe the information is not being reported because my name on my report is incorrect as is addresses for me. 

Also, Transunion has put back on my report a collection that does not belong to me due to the name error. This account I have disputed before.

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