BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
Complaint involving XXXX XXXX XXXX  and Transunion XX/XX/2020 : Filed a dispute with Transunion and XXXX  regarding my XXXX  XXXX Secured Credit Card balance. It was not reporting a {$0.00} balance XX/XX/2020 : Was notified via updates to XXXX XXXX XXXX that my balance had been updated and my score increased by 43 points XX/XX/2020 : Was notified by XXXX XXXX XXXX of a decrease of 24 point, because my XXXX XXXX Credit Card account was totally removed from my Transunion Report XX/XX/2020 : I reviewed my XXXX   Credit Monitoring, and I noticed that my score fell by 42 points and was only reporting one ( 1 ) credit card through XXXX XXXX XXXX. My XXXX XXXX account had been removed from my XXXX  Credit Report and upon further investigation, I found that it was also removed on my XXXX  Credit Report Summary : Through multiple attempts in the last two and half weeks, Ive been bounced around by both the lender ( XXXX XXXX ) and the Transunion and XXXX  reporting bureaus. I have not been able to make contact with XXXX, due to the COVID-19 limited call center hours. 

XXXX XXXX has informed me that there is still an investigation into my account from my previous dispute even though it is noted on previous Credit Reports that the dispute was resolved. They cant give me an estimated time of when the investigation will be completed at this time, they have stopped reporting any payment history or credit limit on the account form both myself and my husband ( authorized user ). This is hurting my husband and my score and is preventing us from the much needed approval from our mortgage lender. 

We are attempting to gain a pre-approval for a house that is to be built with a completion of XX/XX/2020. 

I have recently received a letter from XXXX XXXX, both via email and by physical mail today ( XX/XX/2020 ) stating that they have reported my account information to all three bureaus even though multiple customer service staff have told me that they dont have record of said letter in their files. 

Any help will be much appreciated! 

XXXX XXXX XXXX XXXX **Prior to XX/XX/2020, my XXXX XXXX Credit Card was noted as having exceptional payment history on my reports. I also recently received an increase from my {$200.00} limit to {$500.00} within in the last three weeks. **

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 2018-10-22
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Companies- Experian/XXXX/XXXX. Account. Public Record. Since XX/XX/2009 These companies are reporting this Bankruptcy on my Credit report and have no proof of reinvestigating my dispute and on top of that saying that the Bankruptcy courts are reporting to the 3 major bureaus which they Do Not. Please reinvestigate these 3 Bureaus very thoroughly to make sure they are investigating properly and sending out actual facts instead of going by a 3rd party company that sends out inaccurate information. Please remove this negative item from my credit report as soon as possible. 
Thank you

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 2018-05-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened two of my accounts with Chase in early XX/XX/2017 of which remained open for a duration of about 5 months. In late XX/XX/XXXXboth of my Chase cards were closed without warning. In those 5 months that the accounts where open, I have been an excellent paying consumer. In fact I made payments weeks before the due dates of which nothing was due at the time. All efforts on my end went unappreciated when in early XX/XX/XXXX I received a notice from Chase stating that they were closing my accounts basically just because they can. This is poor treatment of a good consumer who pays well before time. At this point, I am very upset with Chase because this is unfair treatment of a consumer. This case was also reported with the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: ID Analytics, 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: Old information reappears or never goes away

Complaint:
I recently applied for an auto loan with XXXX XXXX and was turned down. I further looked into what scores they were referring to and found out that it was a credit reporting agency that I had never heard of called XXXX XXXX. There credit score for me was not even close to the other three agencies. They also had inaccurate information regarding my history. Based on this very unreputable company I was turned down for the auto financing form Ally. Their reasons for turning me down were not only inaccurate but very unprofessional because they were so wrong. This company should not be allowed to report credit worthiness for anyone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
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:
I am a victim of identity theft who has had my disputes and calls to resolve this matter ignored on multiple occasions. This is purely unlawful and my next step will be contacting attorney general and legal proceedings with my own private attorney after exposing these injustices to all media outlets. I have police report FTC affidavit dispute letters, proof of me being out of society during time of thefts and these accounts still remain! This is the final attempt these accounts must be blocked and removed immediately!!

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 2018-10-22
Company: Commonwealth Financial Systems, Inc.
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:
I came across a report on my XXXX XXXX account that a company had open a collection account on XXXX bureau on my name that I never heard from or known of. The agency name is XXXX XXXX:XXXX XXXX XXXX, XXXX , PA XXXX which is the creditor which is put the fraudulent information. The report have a certain XXXX XXXX XXXX XXXX. as original creditor. I have never visit an office or emergency room on that name nor know of the existence of a practice like that. those fraudster use my name to create that account on XX/XX/2018. And posted an amount of {$640.00} owe to them. I would like to know how they got my information and create that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: ALLY FINANCIAL INC.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
From XXXX of XXXX to XXXX of XXXX ally auto financing got ahold of me to inform me that I was XXXX dollars behind. I offered in XXXX to pay the entire amount they insisted that if I did it had to be by cashier check from my bank when I explained that my bank close branch office was 5 hours away and I couldn't get on from them but I was willing to get a money order from one of the local bank. I was informed that that just wouldn't work and if I was going to be difficult there was nothing else to discuss and they hung up. This repeated itself in XXXX with the agent calling me a few not so nice names. In XXXX when they called again I informed them that I was more than willing to pay in full what I owed and again the agent demanded I get a cashier check from my bank. I finally got the woman to agree to a money order from a local bank since I had to explain to her that it was almost the same because the money would be paid to the bank when I got it and then to them when they cashed it. She then said that was fine and I needed to have it overnighted I explained that I would have to wait till the first because I am on XXXX from the VA. She informed me that there was no possible way that they would wait the 6 or 7 days till the first and I was just XXXX living of of everyone else. I informed her to get ahold of there legal department before she said anything else she made a few unpleasant comments about not telling her how to do her job and hung up on me. I heard nothing else from them and they continued to take my monthly payments. Then I found out after they repossessed my vehicle this week that I hadn't been making my payment so I did some checking and discovered that they had decided to stop taking the payments on there own decisions. When I inquired as to the reason for the repossession I was informed it was because I stopped paying on it. When I checked I found emails from them that they had decided not to take the payment this i discovered had XXXX going on since the middle of XXXX without my knowledge. I explained to the gentleman I talked to and he assured me that that couldn't be possible but I insisted that he check when he did he got very quiet and just told me the name of the company that did the repossession. I asked him how they could do that and he wouldn't answer. I then informed him that I wanted all the paperwork and records that they had on my lone I gave him till Friday XX/XX/XXXX to have it to me. I have not received it nor will anyone there talk to me

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 2020-07-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted two Requests for Mortgage assistance to Carrington Mortgage. I submitted one in XX/XX/2020 and another in XX/XX/2020. 

Both RMA 's were canceled because " I failed to forward the documents to complete my application. '' Regarding the XX/XX/2020 RMA Carrington continued to tell me that I did not comply with their requests for documents that they stated were missing from my application. The fact is I sent the documents on three occasions and the said the documents were not received, therefore my application was canceled. 

At this point, I began to investigate why they did not receive my documents and I discovered that the Carrington representative had given me an incorrect email address to forward documents. ( attached # 1, 6 examples ). The correct address should be : XXXX, instead they gave me this email address : XXXX. 

The email address they gave me was missing the S in the word assistance. 

The second time they canceled my RMA was because I stated on the RMA that I had " rental income. '' I do in fact have rental income on another property I own. Their Statement to me was, " That I falsely stated that I had rental income on my primary residence. The form in part, ( attached # 2 ) is clear in the question ; " Do you have rental income? '' I answered the question factually. I do have a rental income. It is not generated from this property, but I do. Because Carrington felt I was being deceitful they canceled my RMA, again. On a three-way phone call to Carrington with my HUD counselor on the line, a Carrington representative admitted that they made a mistake in canceling the  second RMA, but this action was irreversible and the application could not be

rein stated.

At this point, Carrington has accepted my third RMA and it is now in underwriting, but they refuse to confirm that the XX/XX/2020 sale date has been postponed pending the outcome of underwriting 's decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan for {$1000.00} ON XX/XX/XXXX ... received a payment schedule showing when I had to make my payments for fixed amount of {$210.00} every two weeks .... that would be a fraction for principal and the rest for interest .... the more payments I complete the less interest I was suppose to paid ... So because of that I made a payment to the principal amount on XX/XX/XXXX for {$400.00}, and then moved my 1st payment to today 's date ( received and email with confirmation of the payment date changes ) so I made my payment today for {$230.00} which included {$210.00} plus late fee, so when I called Big Picture Loans to find out how much would be my pay off amount I was told that I own {$610.00} because my payment for today was all for interest ... but the payment schedule I received does not show that any payment will go full to interest ... I want to pay the money I own but I can't afford making payments of {$200.00} and over just for interest. 
This is the schedule I received but the account I does not show any update after {$400.00} payment made to principal Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01 XX/XX/XXXX {$1000.00} {$57.00} {$210.00} {$150.00} {$940.00} Regular Current XXXX XX/XX/XXXX {$940.00} {$46.00} {$210.00} {$160.00} {$890.00} Short 03 XX/XX/XXXX {$890.00} {$82.00} {$210.00} {$120.00} {$810.00} None 04 XX/XX/XXXX {$810.00} {$94.00} {$210.00} {$110.00} {$710.00} None 05 XX/XX/XXXX {$710.00} {$100.00} {$210.00} {$100.00} {$610.00} None 06 XX/XX/XXXX {$610.00} {$120.00} {$210.00} {$87.00} {$480.00} None 07 XX/XX/XXXX {$480.00} {$140.00} {$210.00} {$70.00} {$340.00} None 08 XX/XX/XXXX {$340.00} {$160.00} {$210.00} {$49.00} {$180.00} None 09 XX/XX/XXXX {$180.00} {$180.00} {$210.00} {$26.00} {$0.00} None I also attached an email I received where they stated that the agreement for new payment date WILL NOT change the original one, so why did they change the amount that was suppose to go to my principal? 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Response to company Company 's Response According to the records of the original creditor, XXXX  XXXX XXXX, the consumer/patient had a {$1500.00} deductible to meet under his insurance with XXXX, that was NOT met at the time the charges were incurred. Also, the verbiage used by the consumer in his complaint indicates he believes we have purchased the debt in question. We are NOT a debt buyer and do not own the debt in question. We are a collection agency acting on behalf of XXXX XXXX XXXX only. 

The deductible was meet three time over. XXXX was preformed along with multiplied office visits, XXXX, XXXX and XXXX. The XXXX alone totaled over {$20000.00}. In your first response you stated you were never paid. Information was provided from the insurance company showing that a payment was made for the date in question. now your stating WHAT. Please provide the original billing information along with information that you are stating you received from the insurance company. I believe that that there some kind of mix up with billing. Proof was providing showing that the payment was received after you originally stated that no payment was received. I am maintaining careful records of my communication with you for the purpose of filing a complaint. I will be contacting the Consumer Financial Protection Bureau and the Attorney General Office to seek further assistance and filing a complainant against your 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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent certified letters to Transunion, XXXX and XXXX on XX/XX/2020 requesting that hard inquiries, addresses and name corrections be removed from my credit report as they were erroneous. 

XXXX  did not process my request until XX/XX/2020, XXXX failed to process until XX/XX/2020, and Transunion XX/XX/2020. 

The inaccurate and erroneous information is negatively effecting my credit report and my ability to secure a loan to refinance my home. I have included documentation to support the steps taken on my behalf.

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 2018-10-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Today XX/XX/2018 I spoke with Experian credit bureau regarding a 10 point drop on XX/XX/2018, in my credit score. They said there is nothing I can do to dispute scores. 

On XXXX.18 my score was XXXX after a 5 pt increase. Then XXXX.18 it went to XXXX which is the normal 5 pt increase, HOWEVER on my alert the system verbiage stated that my credit score went up 16 points/it DID NOT increase my score by 16 pts! It ONLY went up the usual 5 pts. Then, and Im sure this was in an effort to correct itself, on XXXX.18 the system lowered my score 10 pts AND IT ACTUALLY TOOK MY SCORE DOWN!!!!! 
The alert stated it was good news and that my credit rating would remain at fair. 
Today Experian staff has stated repeatedly that they can not do anything about my score even though my alerts clearly show that NOTHING adverse happened in that time period to cause the drop OTHER THAN THE ERROR ON THE PART OF THEIR SYSTEM TRYING TO FIX ITSELF UGH! 
They added 5pts. accurate Said they added 16pts. but didnt then deducted 10pts. 
TRULY BAD MATH WOW! 
Ive attached my alerts & history from Experian to show what happened/details.

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 2018-07-05
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Don't Understand Why This Account Is Listed As Derogatory On My Credit Report. Servicing Of My Mortgage Changed From Homeward Residential To Ocwen Loan Servicing Without Any Lapse In Payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase Bank is now denying customers the right to login to their accounts unless they sign a Consent Agreement to receive statements and other documents electronically. Based on my understanding, this is a violation of Federal law. Customers have the right to instruct financial institutions as to what documents, if any, they would like to receive electronically. This consent should not be procured via extortion. Your prompt attention to this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
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:
I have disputed these 4 accounts straight thru conns home appliance and the bureaus numerous times. The bureaus have failed to delete these 4 accounts and continue to report inaccurately and have violated my rights for over a year. I tried to get this resolved with XXXX  with conns and to no avail. XXXX is reporting a past due balance on all 4 accounts. nevermind the fact that i sent the settlement amount they last requested and they didnt mark it as settled, they in their own words have sold these 4 account balances to other companies but continue to report past due amounts on all 4 charged off accounts which violates double jeopardy rules. The 3 bureaus continue to side with Conns and not properly investigate and delete as these are FCRA violations. Please see the attached XXXX  investigation response from conns showing these 4 accounts have been sold. Please also see the 4 accounts showing past due balances on accounts they do not own anymore ( PER THEIR WORDS ). This exact dispute was sent to all 3 bureaus and " verified ''. Who is on the consumers side when actual violations happen?

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 2018-10-22
Company: Lendmark Financial Services
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted this company Ill several occasions to fix the problem the only amount that is due is for XXXX so theyre not even reporting the correct balance and theyre reporting in accurate information when I spoke with the branch manager went today he told me that they dont report until the end of the month and that they report it wrong so it needs to be fixed the next step. I will write a letter to the president of the company and I will contact the media for a new story investigation. I do have Proof all payments

Company response to consumer: Closed with explanation