BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-27
Company: BARCLAYS BANK DELAWARE
State: MI
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'm went in to XXXX XXXX XXXX 's XX/XX/XXXXwith a credit score of XXXX. Paying my debts on time took my score to XXXX. XX/XX/XXXX my score went downstairs 74 points. My creditors are showing a good payment history on my credit report but they put it in negative status. XXXX XXXX, Barclay Credit Card , XXXX XXXX. XXXX XXXX XXXX has me owing XXXX dollars when I only XXXX dollars. I've been doing everything I can to satisfy my debts with my creditors and raise my credit score so I can purchase a home. I do not think it's right for them to put me in negative status since they agreed to the terms bye XXXX XXXX. They were in a positive status. Then all of a sudden it's negative.

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 2019-07-16
Company: Sequium Asset Solutions, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke to XXXX about a billing issue post termination of my account and was waiting on information I was told would be sent to my email. 

I do not want to spend another XXXX minutes on the phone when the issue has already been identified. I have all conformation and interaction reference numbers from the call. 

Amount owed {$120.00} XX/XX/2019 at XXXX XXXX, call duration 1 hour 13 minutes. 
Call Notes : XXXX were to send my original contract outlining events upon termination and terms of service. I was told that I can not access this information because I changed my service provider and my account login was removed. My wife terminated her contract with XXXX within minutes of me terminating service, she was charged 30 % of her normal bill which was prorated for the termination date. My bill was not prorated and was for the full month. There should not have been a difference in how the two accounts were handled which is why I wanted a copy of my contract before blindly paying the full amount while they explicitly and intentionally withheld my agreement. 

They have now sent me to a collections agency as of XX/XX/2019 I have XXXX FICO and do not want any impact on my credit, particularly when XXXX intentionally withheld information. I have clearly identified the issue and will be happy to pay once I have the documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: JPMORGAN CHASE & CO.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX i had a family emergency, so CHASE bank JP Morgan returned my payment for me that was XXXX. and in XXXX i made a payment XXXX the same up to XXXX then in i was put on forbearance plan to make up for XXXX because i was denied repayment plan for that month. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX payment went to XXXX >XXXX payment went to XXXX >XXXX payment went to XXXX >XXXX payment went to XXXX> XXXX payment went XXXX. that left XXXX, XXXX and XXXX Three payments payments then i made a payment of XXXX that got returned. that would have covered two payments i was behind then in XX/XX/XXXX i made XXXX ,XXXX and XXXX =XXXX, monthly payment is XXXX so that would cover only two payments XXXX, XXXX and XXXX. XXXX with suspense XXXX then in XXXX i made a payment XXXX that went XXXX > then in XXXX i made payment XXXX that went to XXXX >then XXXX i made two payments XXXX that would make two payments that cover XXXX and XXXX then i made payment in XXXX that cover XXXX payment. XXXX leaving me owing for XXXX. with XXXX in suspense XXXX XXXX +XXXX XXXX+ XXXX XXXX and XXXX +XXXX = XXXX paid to Chase payment of XXXX x XXXX and i paid XXXX in 4 months then in XXXX Chase said i owed 4 payments by payment history i didn't owe for for 4 months in XXXX to XXXX XXXX XXXX , JP Morgan Chase i talked to her on XX/XX/XXXX but in XXXX i looked on my account i owed 4 payments so in XXXX i made two to stay out of foreclosure but after talking to XXXX XXXX XXXX she said i was still behind two payments and for repayment i have to pay my regular mortgage and half of the two payments that beXXXX plus my payment that be XXXX for four months when i don't owe it. XXXX also said they was no payment in XXXX but they was i sent proof so XXXX payment went XXXX .XXXX  payment should have went XXXX, XXXX to XXXX XXXX i made two payments to go to XXXX and XXXX then XXXX payment go to XXXX with money in suspense so i should owe less than XXXX i have added and added and this is the is how it should be

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collections of Athens severely and still calling and reporting on my credit file from when I had old XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX with no account number attached on file nor did they have my ID info for proof when I check with their manger! Yet I have signed up with XXXX XXXX XXXX who have sent coll of Athens countless letters to seize and remove the incorrect information on my credit file with all 3 bureaus and they have ignored it and ignored all my calls and messages thereafter and ignored proof sent to them via email! # XXXX EVEN MY DOC FROM THE XXXX  XXXX ( XXXX ) XXXX here! 

CALLED THEM LEFT A MAG SAYING I OWE NOTHING. <XXXX  and XXXX> ins paid up!! XXXX! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2019-05-14
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:
Since XXXX, I have now sent letters to Equifax 3 separate times disputing late payments that should NEVER have been on there, and even showing them violations of their reporting. Now, they've committed another violation. On XX/XX/2019, I pulled my report and they had indeed removed all 8 late payments from XXXX that I had disputed ( I have attached that report that I pulled on XX/XX/XXXX ) But, then, on XX/XX/XXXX, I pulled it again, and 4 of the late payments had been reinserted. It is now 13 days later and Equifax did not send me ANYTHING to inform me that they had reinserted those late payments. The fact of the matter is I was NEVER late on these accounts. They show the accounts were 90 days late, but there are no 60 or 30 day lates before that on the reports. I was NEVER late. Here is the history of my dispute letters to Equifax regarding this, and I've attached the corresponding letters with this complaint : 1st letter - XXXX XXXX, 2019 - ( USPS Certified Mail Tracking Number XXXX ) - They did NOT remove the late payments, and sent me a letter back stating that they had " verified '' them, but did not enclose any proof of their investigation, or how they had arrived at that conclusion. I then sent them a 2nd letter on XXXX XXXX, 2019 after I received their reply. ( USPS Certified Mail Tracking Number XXXX ). They again did NOT remove the late payments, and sent me a letter back stating that they had " verified '' them, but did not enclose any proof of their investigation, or how they arrived at that conclusion. I then sent a 3rd letter, this time detailing actual violations that I was seeing being reported on these  accounts on the credit reports. You'll see this in the 3rd letter to Equifax that I have enclosed with this complaint. 3rd letter - XX/XX/XXXX 2019 - ( USPS Certified Mail Tracking Number XXXX ). They received it on XXXX XXXX. As I stated earlier, I then pulled a report on XX/XX/XXXX, seeing that they had indeed removed all 8 of the 90 day late payments from my Equifax reports. The next day, they reinserted 4 of them, and it has now been 13 days and I've received nothing from them about the reinsertion, and still NO proof of late payments. I was NEVER late on any of these accounts. I also I demand that they remove all of the 90 day late payments from these accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion is reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: TX
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  and Experian are reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. (  Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-02-21
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX XXXX. I have received a letter from Discover bank to collect a debt ; however ; I totally do not know about this Discover account. I filed to Identity Theft and Police report to protect myself from this. Now, I submit to this complaint to get further assistance from the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-31
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX are still reporting on a closed account after more then 180 past day... 
They are trying to keep generating interest and charges fees... 
They told me they would charge this account off and they still not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
On XX/XX/XXXX I paid my full balance with Bank of America ( {$13000.00} ).  On XX/XX/XXXX, BofA again drew against my checking account in the same exact amount even though my balance was {$0.00}. This not only put my credit card account with them in a credit balance but also over drafted my checking account. Furthermore, upon calling BoFA I was told to just give it 3-5 days! I have a negative balance in my checking account and they basically STOLE my money {$13000.00} worth and then are telling me to just wait it out while I am drawing overdraft fees and additionally have mortgage payments and other bills to pay! There is something seriously flawed with Bank of America 's business practice in terms of their payment system. I have autopay setup to ensure I am not late on any payments so on XX/XX/XXXX they also drew another {$130.00} on this same account against my already overdrafted checking account and my credit card balance now has a {$13000.00} Credit Balance and they just tell me to wait it out. I WANT MY MONEY NOW!!!! THEY ARE A BUNCH OF CROOKS! I do not understand why on earth they would continue processing payments on a XXXX balance or even a credit balance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
State: NC
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:
Please reference the attached letter I sent to Equifax on XX/XX/XXXX. THey were supposed to respond to the letter within 30 days, but I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: FIRST HOME MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received two letters from First Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX concerning my current home and property that stated that I was behind and they are attempting to collect a debt for my mortgage payment at XXXX XXXX XXXX XXXX XXXX MD XXXX, which the mortgage has been paid up and til XX/XX/2019. I called and spoke with the representative name XXXX today a little after XXXX XXXX this morning. She informed me that they received papers signed by me for a loan modification. I informed the XXXX XXXX that I have not requested any such thing, and it sounds as though some type of scam or fraud is going on. This is why I am reporting this, because it is very concerning to me. I will attach copies of the letters received, as well as proof the mortgage has indeed been paid. I am not sure what is going on, but I do not like it. There is some funny business going on somewhere, and I am not amused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: STEWARD FINANCIAL SERVICES LLC
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had an auto loan with Steward Financial back in 2015. Unfortunately I lost my income shortly after purchasing the car and it was repossessed in XX/XX/2015. I did not know my rights back then. When the car was repossessed, I was never provided with any of the legally required documentation regarding the repossession. I was never provided with the option to pay the past due amounts and get the vehicle back. I was never provided any notice of intent to sell the vehicle. I was never provided any documentation showing that the vehicle had been sold, or what the remaining balance on the loan was. Upon reviewing my credit report, it appears that Steward Financial resold the vehicle, which was a 2 year old ( at the time ) XXXX XXXX with all luxury options for less than {$10000.00} which seems far fetched because I had purchased it 1 year prior for over {$23000.00}. I have disputed this information with the credit bureaus, and Steward Financial has certified to the bureaus that the information is correct. However, I mailed a letter to Steward Financial on XX/XX/XXXX asking them to provide copies of the legally required disclosures and I have not received any response whatsoever. Furthermore, when I called the customer service phone number to ask for the information over the phone, I was told that the debt was past the statute of limitations to collect so they would not be communicating with me regarding this debt. That is in violation of the Fair Credit Reporting act, since they are reporting a past due balance on my credit report and have refused to provide me with any notification of the debt!

Company response to consumer: Untimely response
Consumer complaint received 2019-05-14
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
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:
I paid off my lease with Kia Motor Finance in XX/XX/XXXX. I purchased the car from XXXX XXXX XXXX in XXXX WA who set up the lease. I completed the odometer statement in XX/XX/XXXX. I've never received my title. I've called 3 times over the year and each person couldn't figure out why I haven't received it and said they would send it again. On XX/XX/XXXX the person said the odometer statement was denied. She reviewed the statement and said she doesn't know why it was denied because it's was completed correctly. She said she will email the odometer team. I have no faith that after my fourth 20 minute phone call that I'm any closer to receiving my title that should have been sent XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
State: TX
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 and XXXX are reporting an incorrect coding of the XXXX   - account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been on a forbearance since XX/XX/2020. I asked on XX/XX/XXXX for an extension. I was told no at first but the young lady told me she will put in one and see what happens. This was after I told her what I believe my rights are since my home mortgage is covered by XXXX XXXXe. I was also told my home is schedule for a foreclosure sale on the XXXX of XXXX. 

I mention the Foreclosure moratorium but was told that does not apply to my home. 
I was told in needed over XXXX to bring my home current for reinstatement. 

Please Advise asap. I am a single father of XXXX and I just started my new job with my State Government on the XXXX of XXXX. I was out of work for over 14 months. 

Specialized Loans Servicing is the company.

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 2022-08-13
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Professional Credit Management, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... PROFCRJXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: AZ
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 disputed and called Experian because they have the same account listed twice, they refuse to remove the original creditor. I tried again to dispute it and it won't let me because it was already disputed. Per law, an account is not allowed to be on my credit report to ding it twice. The original account is XXXX XXXX, the collection account is XXXX XXXX XXXX. It has the same account number which is XXXX .... I want the original creditor removed. it is not right that they keep telling me they can have both accounts on there, for the same {$550.00}.

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