BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-26
Company: American First Finance, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is with a company named American First Finance. A few years ago, I had car repairs done XXXX. I financed the repairs through American First Finance. My vehicle was never fixed, I made a couple of payments to this finance company while I tried to work out the issues of my vehicle. After having to continuously take my vehicle to this shop for numerous issues I decided to take it to another repair shop. I was informed by a different shop that I needed the same repairs that I had been told I had repaired at XXXX. Needless to say XXXX, didn't care that I had receipts from another shop showing they DID NOT MAKE ANY REPAIRS TO MY VEHICLE. None the less I reached out to American First years ago and no one ever investigated my claim. All they did was continue to send me bills. They closed the account in XX/XX/2015 and reported to the credit bureau that I made 2 payments and now the account is closed. Just recently, they keep reporting to the credit bureau that I have missed payments or late payments. They also have changed the amount I owe. I have not received any letters from this creditor stating the amount I owe or why the amount I owe went from XXXX listed XX/XX/2015 on my credit report and then from every month and year after that {$1800.00} so now its saying I owe {$2600.00} ( again ) I have not received any info from this company in regards to what I owe in over 3 years. And when you call them no one will send you anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: American Credit Acceptance, LLC
State: CA
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:
XXXX has been non-compliant with removing the unverified account AMERICAN CREDIT ACCE which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that AMERICAN CREDIT ACCE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: MLD MORTGAGE INC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted my servicer on XX/XX/XXXX to confirm a change in my property taxes due to a citywide reassessment which resulted in a much lower property tax bill for my home. I have followed up several times for ( i ) an update to my escrow withholding and ( ii ) confirmation that action is being taken to pay my property taxes correctly ( follow ups on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) with NO non-automated response. I have yet to receive a single update and my servicer missed my latest property tax due date. Only next step I can take at this point to elicit a response is a CFPB complaint..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: DC
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 sent letters to the XXXX XXXX XXXX XXXX XXXX and the credit department via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I sent emails directly to the XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I have had excellent payment history, but I have two late payments in XXXX that are severely hurting my credit because they are considered recent. However, I have done further research and found that these late payments are inaccurate. 

I have been begging for deletion since I was admitted into the XXXX XXXX at my local hospital for a severe condition that almost took my life. I could not support my family and while in the XXXX  in XXXX XXXX I lost my job. And even still, I was a loyal customer and ever worst according to my records I did make payments for XXXX AND XXXX of XXXX yet they are reporting two late payments that have irrecoverably damaged my credit score I made ACH payment of {$20.00} on XX/XX/XXXX, {$60.00} on XX/XX/XXXX, and {$20.00} on XX/XX/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 2021-06-25
Company: TD BANK US HOLDING COMPANY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I realized possible fraud on my Crypto.com account. You have to chat with the company and can not call them. No money had been removed when I first was in contact with the company and asked them to freeze the account. However the company was slow to react and a unknown person from a different country withdrew {$230.00} in three separate transactions. The company refused to payback my money even thought they claim to be FDIC secured. The company Blamed me for the fraud and refused to help. Pleas assist with recovering my money.

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 2018-03-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Opened an account with Chase in person, received all documentation for the account along with debit card. The next day I received a later stating that my account will be closed and no reason was given. I called on XX/XX/18 after I received the letter, and the agent couldnt find a reason either. Only that the decision is non-reversible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Shellpoint Partners, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Back in 2008 when US economy went upside down due to banking unregulated methods ( XXXX XXXX etc ... ) I lost my home and a business. I lost ability to pay my obligations. 
I owned home on XXXX XXXX XXXX XXXX in XXXX XXXX , FL XXXX financed by XXXX XXXXXXXX XXXX . 
XXXX XXXXXXXX XXXX took bailout money paid by us taxpayers and walked away laughing. 
I tried to short sell the home and set up pay-off of the debt. XXXX  XXXX XXXX declined 6 short sales and declined to even talk to me about other ways to pay off my loan. 
Years have passed by and XXXX XXXX XXXX didn't foreclose on me in legal manner ( I believe there is statue of limitation of 5 years in State of Florida ) and sometime later on they sold my loan pennys on a dollar to XXXX XXXX XXXX collection agency. After that agency was sued by small lawyer for wrongdoing they than sold it to present collection agency Shellpoint Mortgage Servicing company. XXXX XXXX  XXXX, XXXX, TX XXXX. Phone XXXX This company is constantly harrasing me with phone calls without message ( mute calls ) and monthly letters threatning me with legal actions. They also, are ruining my credit report. 
It is over 10 years since I incurred debt that XXXX XXXX  XXXX abandoned as all wealthy and company do knowing no one will hound them though they are the one who ruined hard working people like me. 
I am asking for help as it is mentally draining to wait each month for the same scenario. 
I live of XXXX social security XXXX thanks to decissions made by our governement but, it is me/us who always paid and pay the price of reckless governing. 
Sincerely XXXX XXXX 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 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have Disputed an account XXXX XXXX acct # XXXX with trans union because the account was paid off in XX/XX/2018. Transunion still show a balance on the account that should show a XXXX 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 non-monetary relief
Consumer complaint received 2021-03-29
Company: Experian Information Solutions Inc.
State: NV
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:
There are two loans that do not belong to me they are not mine I have not signed for these and i should not be paying for it my credit is going to waste because of this I have tried reaching out to the bureaus and the furnisher but they are not helping me. 

XXXX - Acct # XXXX Amt {$27000.00} XXXX - Acct # XXXX Amt {$17000.00}

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
Consumer complaint received 2019-01-10
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: Account status incorrect

Complaint:
On or about XX/XX/XXXX, I closed my accounts with XXXX and no longer had access to online billing or being able to see copies of my bills. I also no longer received any goods or services from XXXX. I was told by XXXX before I closed the account that I would receive a final bill approximately 60 days after the fact. XXXX sent numerous emails to me about amounts owed, but no final itemized bill. I discussed the fact that I had not received a bill and gave them a current address multiple times, yet they still refused to send me a copy of it. The amount owed, according to XXXX, continued to increase, in spite my no longer receiving services from them. I disputed them amount owed with them via telephone and was told then were working on it. Then it was sent to XXXX XXXX XXXX which said they sent me a letter of validation but that it was returned because of incorrect address. I again gave them a current address but they did not send another letter. They then placed the item on my credit reports in XX/XX/XXXX, with the incorrect amount that I had been disputing with XXXX since XX/XX/XXXX. I sent in yet another letter of dispute to XXXX, XXXX, and all credit reporting agencies. It is still listed on my credit report as with XXXX, even though the debt has not been legally validated. Further, today I received a letter from XXXX, stating they were hired from XXXX after the dispute and asking me to validate the debt. I am responding with a letter disputing the amount and validation of the debt, citing that i have YET to receive an itemized final bill from XXXX. This is illegally on my credit report, as the debt has not been validated by the original creditor or the collection agencies engaged by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2018 To Whom It May Concern, There is currently an inaccurate item being reported on my credit report from XXXX XXXX XXXX-XXXX I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX, XXXX, FL XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. 

Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. 
" The allegations from this item require immediate dismissal due to fact of inability to contest the derogatory claim ( s ) injurious to me DIRECTLY, as is my consumer RIGHT to do so. As such, I demand the full extinguishing of every aspect of reported delinquency and or derogatory since the factual nature of them can NOT be verified valid nor certified compliantly reported, as MANDATED BY STATE AND FEDERAL LAWS of reporting, true or not! 
Upon attempts to forward my direct consumer complaint challenging the accusers to demonstrate the requisite document verification ( s ) of the claim 's validity in reality and calls for evidence substantiating the perfect and certified compliance of reporting, I received notice back that the data furnisher address, AS REPORTED, was not deliverable to hence INACCURATE. This deficiency of reporting denies me my consumer RIGHT to question and contest directly my accusers, which means its reporting is unlawful and without compliance in full accordance of mandatory regulatory reporting laws and standards, including the required true, correct, complete, and perfect METRO 2 FORMAT REPORTING! DELETE this misreported data TODAY, even right here and 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 2018-11-05
Company: Century Credit & Collections, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The credit collection agency Century Credit Collections on XXXX XXXX XXXX., XXXX CA XXXX will not send me a written letter showing the debt, the amounts owed, the amounts they have added in fees over the last 5-7 years. 

They tell me they will only furnish something in writing ONCE I make a payment arrangement. I will not make an arrangement until I have something in writing, which I should be given per section 809. Validation of debts of the " Fair Debt Collections Practices Act ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Receivables Performance Management, LLC
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: Account information incorrect

Complaint:
The FCRA has dropped my credit score by 93 points within the last 45 days. Due to an old collection account that keeps getting sold to a new collection agency. I haven't had any other activity on my credit in the past two years. The FCRA has also taken it upon themselves to change the status of my charged off accounts to closed accounts with an outstanding balance. Based on some research I conducted, accounts that have been sold to Collection Agencies should be considered paid off by these agencies to the debtor and should no longer be shown on my credit file, or should have a zero balance. I want an investigation done to consider why my score would go down so drastically based on an old collection account that was sold to another agency that started a new report.

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 2018-09-09
Company: Reliable Credit Association, 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: Account information incorrect

Complaint:
The account should be at XXXX I paid the loan off and its still showing a balance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Bank of America ( BOA ) of a fraudulent application submitted with his information without his consent for an account ( acct # XXXX ). The current balance of that account is unknown but the account has a limit of {$800000.00} dollars. A formal dispute of this account was mailed certified with return receipt to Bank of America fraud department XX/XX/2018. A reply was received by this office concerning " an attempt to add a POA to the account. '' That was not the intent and it stood to verify BOA did not read or review the dispute information that was provided. A second official dispute was mailed certified with return receipt to BOA XX/XX/2018 and as of this date BOA has failed to reply or update the status of their investigation as is their obligation under FCRA. This action is a violation of my client 's federal consumer 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 non-monetary relief
Consumer complaint received 2018-06-19
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I applied for a title loan. I was approved and a notary met me where I had to sign some documents. One of those documents was consent to automatically take the payment from my account every month. My husband had passed away, I was going through XXXX XXXX myself and then had a life threatening stalker and had to move out of the only city i have lived in for 46 years. I did not pay attention to my account. i should have. The loan payment was not coming out of my account. The first payment was due XX/XX/XXXX. in XX/XX/XXXX I was at a friends taking care of his mom after XXXX and the a company came and repossessed my car. When my car was taken I had had a qtr less than a full tank of gas. When I picked the car up, the tank was empty, my tire was flat, a rosary that my grandmother gave me that was blessed by the pope had been ripped from the rear view mirror because there were only 2 pieces left. My battery was dead. The place I picked it up from had to give me a jump start to get it started. They have yet to report to the credit that the car is not repossessed, they have yet to respond to several emails and a few phone conversations they keep demanding their payment which I intended to pay off with my tax return, I had done everything they asked of me, and yet, I STILL have no word on the status of my belongings or the damage to my car. And my credit score is getting worse and worse after working so hard on it since my credit went bad as I was a stay at home Mom when my husband was first sick. This is not ok. I have emails, automated voice messages, and haven't heard from them in some time now. It has been 4 months. And nothing is resolved. I need a tire, a plastic piece that goes under my hood, the XXXX XXXX that I am paying monthly for because it's on a contract, A new battery, a tank of gas, and the rest of my belongings. From day 1 they did not do anything they stated they were. I can not even get my XXXX year old son a car because they have damaged my credit because I will not pay anymore payments, ( which I had made 2 payments since then but they have yet to resolve any issues with my things ) so I refuse until they give me some resolution. I have all documentation backing this up. But am at work so I will send them when I get home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX reported negatively on my credit report even though I believed to be enrolled in income based repayment since XX/XX/2018. I was never given any payment amount so I assumed it to be XXXX. I would like all poor XXXX XXXX  reports since XX/XX/2018 removed from my credit score as soon as possible.

Company response to consumer: Closed with explanation