BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
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: Public record information inaccurate

Complaint:
I financed a car with XXXX XXXX for {$28000.00}, All payments were made on time. Car had XXXX XXXX XXXX and XXXX XXXX was co-insured on the policy. Car was totalled on XX/XX/XXXX. XXXX XXXX advised XXXX that the insurance was in force and XXXX sent the case to their total loss unit. Because of Covid-19 all of the XXXX and XXXX XXXX people were working from home or part time and it took a few months for XXXX XXXX to issue payoff check to XXXX. On XX/XX/XXXX XXXX XXXX filed a chapter XXXX business bankruptcy. On the filing lawyers for XXXX immediately file a proof of claim even though XXXX had already agreed to have loan paid by XXXX XXXX as a total loss. In XX/XX/XXXX the XXXX remaining balance was paid in full by XXXX XXXX. In XX/XX/XXXX XXXX withdrew their claim. The bankruptcy was voluntarily dismissed-no creditors claims were discharged. the Credit report continues to show " involved in Bankruptcy '' even though bankruptcy was dismissed without any order of relief or adjudication. 15 USCS sec 1681c bars disclosure of a bankruptcy case except from date of entry of order of relief or adjudication. the XXXX Equifax, XXXX XXXX report is false in that it claims the " account included in a chapter XXXX consumer bankruptcy. " This is a false statement for 2 reasons ( 1 ) before the bankruptcy XXXX XXXX had already agreed to pay XXXX the claim as a total loss, which was legal and binding because XXXX was an additional insured and therefore a direct beneficiary of the XXXXXXXX XXXX XXXX, and ( 2 ) no report of a bankruptcy case is allowed that is dismissed because there is no start date possible for the ten year reporting period because dismissal means you can not have either an order of relief or an adjudication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: EQUIFAX, 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:
INACCURATE INFORMATION ON CREDIT REPORT. THIS IS FTC VIOLATION. 

XXXX XXXX OPEN XXXX {$760.00} - DOES NOT BELONG TO ME INQUIRIES BELOW DOES NOT BELONG TO ME. 
XXXX/XXXX  XXXX  I XXXX  XXXX  XXXX XXXX  XXXX  XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX  XXXX  XXXX XXXX/XXXX/XXXX  XXXX   XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX   XXXX/XXXX  XXXX  XXXX  XXXX  XXXX   XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Skrill USA, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
These thugs SPAMMED me and they don't even have an unsubscribe link! 

Please investigate where they got my email address, why they sent me FALSE information such as " Important Information Regarding Your Account '' I don't have an account and this is commonly referred to as CLICKBAIT. I wasted my precious time on this fraud! 

I defaulted on my credit cards because you ( the government ) allow these criminals to prey on us. I decided that INSTEAD of working myself into an early grave, I'll simply STOP paying my credit cards and document WHY the poor get poorer and the rich get richer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
A couple years ago I applied for a credit card and got denied. After investigating, the company approved the card because the only thing that was preventing it was the verification of my identity that the company Lexis Nexis is provided could not verify it. I called and received a full public record file, which has hundreds of mistakes and requested to fix them. Today I applied to a lease company and the same denial happened and once again Lexis Nexis caused that because my identity is not unverifiable. I was told to get a full public record file again. It is unacceptable that companies that are supposed to verify identities have mistaken and that it will cost me money and time to fix it. Private for profit companies should not be able to profit from people 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: SN SERVICING CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SN Servicing holds my loan payments to inflate my days delinquent. I have been unemployed due to covid-19 they have not tried to work with me. We did file bankruptcy but I still see all the late charges listed on the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Im trying to get a derogatory mark off my credit report because XXXX did not listen to my claim that someone was using my identity to open XXXX accounts. The opened accounts are now in collection and has affected my credit score. I have allay filled a police report and they still did not do anything about it. They just care about opening accounts. 

Credit reporting companies are not helpful and I can not get a hold of them to fix it. 

Im also unable to contact the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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: Investigation took more than 30 days

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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been trying to get Navient to work with me on the monthly payment that i can afford. I am XXXX  years old and have a job. My mom is the co-signor but is having financial issues of her own. Navient will not work with me to get my mom off as a consignor nor will they work with me and my actual salary to allow me to make payments that i can afford. I have to pay, rent, utilities, transportation to and from work and food. but they refuse to work with me. I want to be responsible and not put this on my mom but i want to be able to do a payment that will allow me to pay my other responsibilities as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I've had a Discover credit card for a little over a year now and noticed that my bill keeps increasing every month eventhough I haven't even used my credit card to purchase anything in several months. First I noticed that my bill was {$1500.00} in the month of XXXX then {$1600.00} in the month of XXXX. Now it's all the way up to {$1600.00} and I haven't used my card since XXXX. I always pay a little extra on my due balance every single month ( they usually ask for {$52.00} I give them {$60.00} a month ). So I can't understand why my balance is increasing instead of decreasing when like I said I have not used my credit card in like 5 months. In fact they even went up on my minimum due balance, at first they wanted only {$52.00} a month now they want {$130.00} a month. I feel like I'm being scammed here. Can you please help me? 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Received a response back from Citi the issue is not resolved so they explained to you they are still working on it no they are not. They also came to a conclusion that they will add to all three credit bureaus a note stating I dispute that credit card and once the balance is paid in full I can contact them to have it removed. I pay my bill on time so why are they adding something to my credit report that has nothing to do with my request for a refund of the flight ticket. Why would they tell CFPB that they are still working on the issue and they are not. I need an explanation regarding why they have the right to add anything to the credit bureaus except late delinquent payments which I do not have.

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 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent the sent the credit bureaus 4 letters advising them of issues with the reporting and each time it has come back verified ... .how can a debt be verified when the reporting is innacurate? this is a violation and i would like this account deleted immidiately i have attached a letter stating that the date i opened the account, the balance, the charge off date, and date of last payment and you will see how inaccurately the credit bureaus are reporting this violation. I have also attached a copy of my credit report so that you see the discrepancies in the reporting the account was opened XX/XX/XXXX the balance is {$9000.00} the charge off date is XX/XX/XXXX and date of last payment was XX/XX/XXXX Transunion is reporting date opened XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX and the date of last payment of XX/XX/XXXX XXXX  is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the date of last pay of XX/XX/XXXX XXXX   is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the incorrect date of last pay of 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 2021-02-04
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My stimulus check was sent to my chime account. Chime will not refund this money to me. They closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and my mortgage was transferred from XXXX to Freedom Mortgage XXXX XXXX of XXXX and somehow the property tax for the XXXX XXXX of XXXX was not paid by Freedom Mortgage. When I came to know about this in XX/XX/XXXX, I faxed the property tax bill ( for a property tax of {$3300.00} which included {$220.00} as interest/penalties if paid in XXXX ) and have been checking at least once in 2 weeks and all I got the response from them is they are working to pay it out. First I was told it will be settled by end of XXXX On reaching Freedom Mortgage over the phone as it was not paid in XXXX, they said it will be settled soon. I got a letter from XXXX County that the property will be put up on sale if the taxes are not paid. Again on reaching Freedom Mortgage over the phone on XX/XX/XXXX, the representative noted, it will be settled on XX/XX/XXXX ( now the property tax with penalty increased to {$3400.00}. {$270.00} as interest/penalty ). To my surprise, the property taxes were not paid on XX/XX/XXXX. I called the XXXX county office and they confirmed that the taxes are still not paid. I called Freedom Mortgage again on XX/XX/XXXX and even talked with a manager of Freedom Mortgage and he noted that it will be settled and I will get a call from Freedom Mortgage. No call received from Freedom Mortgage and I am completely blindsided as what is happening. To ensure I am on the good books of the government, I am planning to go to the XXXX County office and remit the Property Taxes directly on XX/XX/XXXX. 
I feel that I and my family are getting stressed out for something which we should not be worrying and as a customer who has paid all the mortgage payments for the last 5+ years on time, facing such an issue is something which could have been avoided by Freedom Mortgage on time if the correct process were in place for analyzing customer complaints. 

Property Tax bill attached Note : I have given authorization to my husband " XXXX XXXX '' to talk with Freedom Mortgage on my behalf and he has been talking with Freedom Mortgage with regard to paying the property taxes which are 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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 non-monetary relief
Consumer complaint received 2018-02-12
Company: Total Card, Inc.
State: PA
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 had a card with XXXX XXXXXXXX XXXX XXXX XXXX. This account is paid and closed. The creditor is still reporting this account with a balance as a charge off. 
When i made the arrangement to pay the card off i was told after the payment that the account would be deleted from my credit file. 

I also asked for this is writing after the payoff which was over a month ago and i never received anything and the account is still reporting incorrectly on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX need to be put out of business regarding bad debt issues they are a cancer to American consumers none of money involved was ever borrowed from them they add thirteen percent interest on their investment because they can I say break them fast their causing a very bad life for people in our country

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had a computer company fix my computer and later realized that it was a hack. 
I reported ( 4  ) {$1000.00} fraud XXXX payments from my savings account. After 3 tries from my bank ( Fifth Third ), they will not refund my money. They say that it was an authorized transaction. They claim that I gave them authorization to send the XXXX Payments. I never knew what XXXX was and now realize that the hackers on my computer probably authorized the payments, I sincerely hope that you can help me on this situation. {$4000.00} is a lot of money when you are a retiree.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions 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 attempted to contacted XXXX  and XXXX  on multiple occasion to investigate an account with XXXX XXXX XXXX/XXXX in the amount of {$2300.00} which is reporting on my credit report as a collection account. I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above mobile services company. I am a XXXX-year-old XXXX woman who do not use these services, nor have I given authorization to anyone to use my person information for these services, this account was obtained fraudulently, and which is appearing on my credit files severely damaging my credit rating., After many failed attempts to alert Experian , XXXX  and XXXX  I am overwhelmed and do not know what else to do.

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 2018-10-21
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:
I received a notice from credit monitoring service back in XXXX of an alert on my Experian credit report. It showed a Charge Off for XXXX XXXX in XXXX. I never had a charge off on this account and no late payments. I paid the account in full in XXXX for {$98.00}. I have disputed it 3 three times with Experian and they still show the charge off. Everytime I call Experian I can not get anyone to listen, they just say they will dispute it. My account is reported correctly on the other two credit bureaus. Experian keeps blaming the creditor stating it's the way the creditor reported it. I called the creditor and they have checked on their end and never reported a charge off. The creditor sent me a letter in writing stating my account was paid in full in XXXX. This wrong reporting by Experian caused me to lose financing for my home. I can not afford to wait another 30 days for them to dispute again. Experian has not reached out to the creditor, the creditor has confirmed this. 

I have attached the receipt from when I paid off the loan and a letter from the creditor 's corporate office stating the loan was paid in full in 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 non-monetary relief
Consumer complaint received 2018-03-28
Company: I.C. System, Inc.
State: MI
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:
I had an XXXX XXXX XXXX cell phone. I had their service for 8 years. With no notice or warning one day I could not call out. My calls were dropping, I could not hear incoming calls. This went on for over a year. I made numerous phone calls to them. I have to have a wireless carrier I travel for work and I have clients that I see that live is this area as well. I asked XXXX XXXX XXXX to let me out of my contract. I could no longer continue my service it was not working correctly. I had no choice but to turn my phone in and switch. XXXX paid XXXX XXXX XXXX. XXXX XXXX XXXX charged me for my phone that I turned in and was paid for. I have disputed this debt. I have tried to speak to them. I finally got the collection removed from my credit report. Only to have it added 2 months later. I was never notified in advance of the account being added. they are in violation of the reinsertion law. This is effecting my ability to obtain a mortgage. I do not owe this 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 2019-11-16
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 information incorrect

Complaint:
I contacted the debtor on XX/XX/XXXX requesting my signature or proof proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my three credit reporting agencies without providing validation of debt and the credit reporting agencies are reporting this inaccurate information to future creditors. this is causing injury to my person as i am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Experian Information Solutions Inc.
State: AL
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:
Fraud inquiries as follows XXXX  XX/XX/2019XXXXXX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 andXX/XX/2019XXXX XXXX XXXX XXXXXX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019

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