BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-23
Company: Diversified Consultants, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DIVERSIFIED CONSULTANTS, INC. has sent notice in the last few months that I owed for a previous account with XXXX. 

I have settled any misunderstandings with the original company and DIVERSIFIED CONSULTANTS, INC. is still reporting to the bureaus. 

I do not owe anyone or any company anything and would like any information saying otherwise removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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: Problem with personal statement of dispute

Complaint:
I recently paid off a truck loan ( XX/XX/XXXX ), activity was reported on XX/XX/XXXX and XXXX dropped my credit score 23 points without reason or explanation. I called XXXX  XX/XX/XXXX @ XXXX to inquire and XXXX, the customer service representative acknowledged that she don't know or understand why. As an XXXX American male I've been a victim of this kind of discrimination for years and I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt through an original creditor, XXXX. I paid the debt via Afni 's website on XX/XX/2019. I paid the full amount of the debt {$200.00}. I have sent letters requesting that this debt be removed from my credit report since I am no longer liable for this account. 

I currently have AFNI and XXXX XXXX reporting on the same dates on the same account. According to law, you shouldn't have 2 collection accounts reporting on the same account. 

This is severely hurting my credit and I am unable to buy a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I entered into a forbearance plan with PNC Bank on XX/XX/2020 due to Covid 19. The forbearance was until XX/XX/2020. However, I contacted PNC on or around XX/XX/2020 to end the forbearance. I agreed at that time to pay the full amount due and owing of {$16.00}, XXXX on or before XX/XX/2020. However, on XX/XX/2020 PNC reported to the credit bureaus I was 3 months delinquent and caused my credit scores to plummet at least 100 points or more. They intentionally ruined my credit. 

On XX/XX/2020 I paid PNC {$16.00}, XXXX as agreed. However, I did not find out about the bad credit report until I tried to refinance my mortgage several days later. I immediately hired a lawyer and filed a dispute against PNC. I demand that this be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car payment is due every month by the XXXX, I typically always pay half in the beginning in the month and the remainder before the XXXX of the month as I have a 10 day period before I am charged a late fee and that is what works for me. However every single day since the beginning of my laon, I get called every other hour by this institution asking me to make my payment if it hasnt been paid in full by the XXXX and they continue this every day until my payment is made in full and I feel it is harassment to call me this many times a day. I have attempted to have this resolved with the company but all they can offer me is being removed from the call list which I do not find fair because I should be able to have a reminder call Incase I do forget but I should not have to have that reminder every other hour of every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Unauthorized hard inquires TransUnion refuses to remove. I contacted all lenders below and they refused to to remove them. 
When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report.

XXXX XXXX Inquiry : XX/XX/XXXX Finance XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX   XXXX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX   ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX   XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( 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 2018-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2009we sold our home in XXXX Ca.  The mortgage company said they would give us a no interest loan for the difference in the selling price of our home.  We agreed to do it as I didn't want to jump on the foreclosure bandwagon, that was happening at that time.  Another reason I agree is there was no advisory language in the agreement, which meant to me that this would not be reported to any collection agency.  The money amount on the Promissory notice is different from the written amount.  The payment for the note was $1250.00.  I paid $50,000 on this note for my mortgage at XXXX XXXX XXXX  Then I lost my job after 34 years.  XX/XX/went out of business in the real estate scandals that went on inXX/XX/2009  They sold the note to XXXXl, I contacted them in XX/XX/2012and told them about losing my job and offer a settlement after many emails I finally received a response and their answer was no, they would not except my offer.  I went to an attorney and showed him the note and explained that was a note regarding my mortgage and I was told by the attorney that this note was illegal for many reason and that it was being report incorrectly, it was being reported as an account when it was actually a mortgage loan. I fought for years with XX/XX/XXXX in 2016 they sent me a notice saying that the debt is unenforceable due to the expiration of the applicable statute limitations.  My husband was employed throughout this fiasco, I ask XX/XX/XXXX on several occasions to take this to court so we could deal with it legally, they choose not to do it.  I believe it's because they knew this was an unenforceable agreement.  I am in the process of buying solar for my home and because of their derogatory mark on my credit and my Husband XX/XX/XXXX credit it is stopping us from purchasing it.  I have written to the Credit Bureaus disputing this account and they will not remove it because XX/XX/XXXXl keeps saying it’s a debt owed to them.  Our credit is perfect no missed payments, no collections, the only mark we have is for a contract that is unenforceable.

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 2018-04-26
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Request : Please delete the 90 day late payment off Credit report with all three credit breaus Account Name : XXXX XXXX XXXX Social Security # XXXX Old property address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Freedom Mortgage Account Number : XXXX ( 90 day late payment ) XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a 90 day late payment reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my Freedom Mortgage Home Loan account. 

I want you to know that I understand my financial obligations, and if it werent for my property taxes increase to make our equity amount increase, which I was not aware of until I received my invoice with a {$400.00} a month increase. Id have an excellent repayment record. I made a mistake in falling behind, but since then I set up a payment arrangement, paid the payment arrangement off in full before the scheduled payment arrangement time, and also paid my mortgage off in full with a {$0.00} balance. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a new mortgage loan with Freedom Mortgage, and its come to my attention that the 90 day missed payment on my record is hurting my ability to qualify. I have tried disputing this information directly wit Freedom Mortgage but was informed they denied my request due to the reporting information reporting was accurate. Well I do understand, but I have never been late on my Mortgage with Freedom Mortgage before the Invoice of my {$400.00} monthly increase due to a increase in property taxes that I was never aware of. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 90 day late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
If you could please fix this ASAP, i am trying to re-apply for the new VA loan within the next two weeks, and this is effecting my approval with Freedom Mortgage. I am asking you to please, please help me with this situation. 

Thank you for your consideration, and I hope youll approve my request. I can be reached at XXXX. 

Best, 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 2021-02-22
Company: Comerica
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I submitted a complaint about money being randomly being debited from my account to the office of the comptroller of currency and received a letter date XXXX that it was turned over to you for assistance. To date I have not heard anything from your agency. Since then, today XXXX I was notified that my account was debited for XXXX and I have left the house nor have I made any online charges. This is the third unauthorized debit from my account. The letter from Direct Express is attached as well as one from office of the comptroller of currency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2020 I tried to us my chime bank card and it said it was unable to charge. I tried to open the chime app and it informed me that my account was closed. When I emailed chime I got a generic automated email stating my account has been closed and they can not provide me any reasons why. I emailed them back and asked for a supervisor. In which I got a representative and they stated that. I have to wait 30 days for my remaining funds that was in my account to be mailed to me. I also received a following email the reason why my account was closed was due to not submitting an W9 form, which that is for independent contractors or free lancers. I work for an actual company and only fill out w4 forms. They told me to email them my govt ID and social security card to potentially reopen my account, and I havent heard from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: CarMax, Inc.
State: MN
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:
This car was declared a charge off but I never got any documents. 
Under the laws of the State of Minnesota UCC UCC Article 6 :336.9-608,336.9-615,336.9-616, Subpart. noncompliance with article 336.9-626 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I am requesting but until today I dont have any documentation any paper for how much was sold the car, but they still reporting a information is unverifiable, I sent just this year 3 letters I understand everything is slow, but this is completely unacceptable.XXXX, XX/XX/21 and no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
In 2017, I filed the proper ID Theft report # XXXX, including all required documents & affidavits, I even had Senator XXXX XXXX office contact the Credit Bureaus.After months and months of fighting and perseverance, the ID theft Accts. were finally blocked.

A XXXX card, which was the result of that ID Theft and was BLOCKED from my transUnion Credit Report is back on my TransUnion credit report.

As a result of the ID Theft I had requested XXXX  to conduct a full and proper investigation and forward every document concerning this account and results of XXXX investigation. XXXX  did none of this and I have received XXXX documents as required by law.

However, and incredibly shocking These XXXX at XXXX  continue to break and ignore the rules of law. XXXX   has placed this account back unto my XXXX, XXXX and TransUnion credit reports, dropping my credit score over 100 pts, resulting in my insurance cost being raised. THIS IS THE ONLY NEGATIVE ACCOUNT REPORTING TO THE CREDIT BUREAUS.

TRANSUNION MUST BLOCK THIS XXXX  ACCOUNT again IMMEDIATELY. Otherwise I will hand this over to my attorney to file a lawsuit against TransUnion in Federal Court.

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 2017-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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:
XX/XX/XXXX amount  XXXX , I was made a dispute at  XX/XX/XXXX , cause I not recognize that credit card is my plus I never spend a lot money in one time in any credit card, account number XXXX ,   XXXX   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
PLEASE BE ADVISE THAT I AND MY ATTORNEY WERE IN DISPUTES WITH XXXX XXXX XXXX XXXX OVER CREDIT THAT WAS AWARDED AND THEN THEY WANTED TO TAKE BACK, DUE TO A ERROR MADE BY XXXX AND THE CONSUMER/ XXXX RXXXX XXXX FROM XXXX XXXX XXXX. ME AND BY ATTORNEY WERE ON A DISPUTES DECISION ON MY XX/XX/2015 XXXX BILLING STATEMENT. XXXX THEN DID NOT NOTIFIED ME OR MY ATTORNEY OF THEIR DECISION OF CURRENT DISPUTES ON XXXX XXXX CREDIT CARD STARTED CHARGING MY CREDIT CARD, WITH NO NOTIFICATION OR BILLING STATEMENT.. TO ME OR THE ATTORNEY OFFICE OF XXXX & XXXX.WITH NO KNOWLEDGE OF THEM CHARGING ME, I AM NOW 90 LATE ON MY XXXX CREDIT CARD.

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 2018-02-24
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My payments are due on the XXXX  of the month and have been set up to come out automatically. The payment was made but I get a notice about a past due payment and was charged a late fee. They are not handling my payments right at all and have raised my interest rate on the payment without notifying me. I signed in on the website to find this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
USAA Bank ; with whom I Bank with, issued me my USAA automobile insurance check for a total loss accident. They did not want to close the account and tried to collect fees as if the account wasnt closed however I received the check and they must now close the account. They had someone contact me but they keep stalling after I received the check. Proof of this is the fact that they refused to upload the check on their app because it would show that the account had to be closed. Attached is proof of payment please make them close the account. They dont have integrity at this Bank. They keep taking money from my account for payment when the auto policy has ended and check was issued. Please read the check date. They must close the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Experian Information Solutions Inc.
State: IL
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:
Summer of 2018 I was denied a mortgage loan due to a company named XXXX XXXX stating that I owed them a debt. In full disclosure I have used there service in the past and have paid them in full with no issues. I was surprised to see them multiple times and reached out to the company in person and via mail for validation of this debt. None has been provided. All three credit bureaus state that XXXX XXXX, XXXX, world acceptance etc. Has provided them proof of this debt and even they have not provided me proof.

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 2021-05-05
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I am a victim of identity theft. Someone has access to my personal information and is ruining my credit. I have no knowledge of what or who this could be. I filed an FTC report and sent an Identity Theft Victim 's Complaint and Affidavit, notarized with certified return card. I haven't gotten any mail notifications from the Equifax from my previous complaints filed here and sent through certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX. 

EWS is reporting inaccurate and erroneous information under my name and social security number which is having a negative impact on my good-name and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, 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:
These are not my accounts. Please remove them. There are addresses, inquiries and names that I don't recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: EQUIFAX, INC.
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 Hospital and XXXX XXXX XXXX sent a bill to XXXX XXXX XXXX who sent it to XXXX XXXX XXXX.. Each time they put it on my credit report with an updated date making it look like a new debt. I have supplied documentation proving it is not my debt but a case of identity fraud. I have asked to have the account taken off my credit report but it is still there. XXXX XXXX XXXX in complaint # XXXX sent a request to all three credit agencies to remove the collection account from my credit report on XX/XX/18. To date it still remains on my Equifax credit report.

Company response to consumer: Closed with explanation