BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-28
Company: American First Finance, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
applied for credit at XXXX XXXX XXXX, did not get approved but they offered a program called " XXXX XXXX money '' wheras i get 3 months no interest but have to pay WEEKLY, went by frequency of pay days. So 3 months go by of paying over XXXX per month. Now i find out that ends and they are demanding the balance approx XXXX due or they are charging a very high interest rate daily to accumulate quickly anything i paid back plus. Then its over in 2020 and i have to pay the amount in full, by then the original amount will triple or quadruple

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Choice Recovery is reporting FOUR collection accounts under my credit report. My SS # is XXXX, XXXX XXXX, DOB- XX/XX/XXXX.  There are no account numbers reported The balances are {$290.00}, {$94.00}, {$99.00} and {$280.00}. This compnay called me ONCE over these accounts, I disputed these accounts right away! Two accounts were paid and setteled and teh other two I paid through my HSA!!!!!!! I asked for proof of what I am now being billed for and they never sent it!!!!! They are in violation of FDCPA 1692 ( g ) ( a ) and ( b )!!!!! My credit score has gone down 115 points due to there inaccurate reporting!!!!! These debts are not owed and they never sent me proof of what I am even being billed for before they reported these accounts to the bureaus!!!!!!! These Four accounts needs to be removed from collections under my credit reporting!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
I have a credit card with Bank of America. I opened the credit card with an introductory 0 % APR on purchases. I set up automatic payments on the card when I initially got it in early XXXX. I held a balance on it for a short time and than paid it off in mid XXXX, then did not use it for several months. In late XXXX I charged the card a couple times, and I had not removed automatic payments. I assumed the card would be paid with auto pay but then I got a call from BOA on XX/XX/XXXX saying they needed to collect a debt. I stated the auto pay should be in place and their response was that if the card has a XXXX balance for some undetermined amount of time then auto pay MIGHT not continue. I took care of the debt but I do not think this should count against me as a late payment. Hopefully this can be resolved. Thanks.

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 monetary relief
Consumer complaint received 2021-11-10
Company: Bread Financial 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: Problem with personal statement of dispute

Complaint:
I have a two late payments on my credit report from Comenity/XXXX XXXX which I never be contacted through phone call or email before it happen due to an error on my automatic payment schedule with my bank, if you verify all my account have an excepcional payment up to 5 years ago, and this account continue up to date on payments after I be aware of the situation, it is hurting my current credit report and it is no fair without a previous alert from the lender, I would like to remove this two late report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Sallie Mae has refused to disperse {$7000.00} of a {$20000.00} loan that was contracted to be paid to XXXX XXXX School for my tuition. They attempted to gain my approval for this unwarranted unilateral renegotiation by notifying me in the middle of the night from a no reply email, claiming that my school requested the change. My school called their claim fraud and said they made no such request. I relied on my contract with Salle Mae to get me through XXXX  school and now that I'm halfway through Sallie Mae has pulled the rug out from underneath me by breaching the contract we had.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: AMCOL Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Amcol called to say i owed a debt to XXXX XXXX  for my daughter. I stated i never received anything saying i owe the debt and i was disputing it. I was told they are notifying me now. They continued to argue me down about the debt even after i said i do not owe a debt. Insurance and the clinic realized the inaccurate information and i was suppose to receive a final bill. I never did and assumed since i pay all co pays at time of service the inaccuracy was resolved. Amcol called at 8 am christmas eve. I spoke to XXXX and then a supervisor XXXX who refused to assist because i wouldn't give my personal info out again. They claim i owe XXXX dollars and some change. Stated I'm unable to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
About XXXXXX/XX/XXXX Owed only {$71000.00} XXXX ( XXXX XXXX ) on my home. I decided to refiniance with the current low rated. The mortage company call several times before. 

Early XXXX I sign a form to have monthly payments of {$980.00} from my account. According to the mortage Co. they did not get my mortage, I became afraid and called in {$980.00} XX/XX/XXXX see Exhib # 1. After noticing numerous overdraft I called my bank. XX/XX/XXXX and XX/XX/XXXXthe mortage company taking double payments out of my account up to {$3800.00} ; XXXX  without my permission. See Exhibit # 2 I am XXXX yrs old I dont know anything about mortages I trusted the mortage company and they did what they did what they wanted to with the aquity in my home. 

Please AudiXXXX my loan. I owe only XXXX XXXX my home the Co have me owing {$99000.00} they gave me {$1800.00} XXXX approx Please invistigate this. 
I sent a complaint to you XX/XX/XXXX via registered mail, I assume you did not recieve it since I recieved these papers again from you today. I will send evidence to you via fax since I dp not know to upload information on the computer ... ... I sincerly hope you recieved the documents sent last week XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a homeowner with a mortgage with Shellpoint mortgage. I have been in forebearance and trying to get out. For the past month I have been submitting paperwork after paperwork and they say they didnt get it and resend etc. I was just served foreclosure papers and have a XX/XX/XXXX court date.

I was never told or sent information that we were at this level of foreclosure.I felt I was dragged along in the process and slow played as I have equity in the home.

I attached a letter to this file

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Also the collection it is about an old mobile account that as I know is paid as agreed and close years ago. Plus there is NO verification if they are registered in my estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: JPMORGAN CHASE & CO.
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:
There is a Chase Mastercard account reporting on XXXX and XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've tried to contact Chase and they were unable to locate this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: Experian Information Solutions 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2018-12-24
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Disconnected XXXX XXXX Service. Paid the early cancellation fee on XX/XX/2018 of {$120.00}. Returned all equipment by XXXX with a receipt dated on XX/XX/2018. 

Received a collection notice from ERC dated on XX/XX/2018 that they are going to submit this bogus " Collection '' to the credit reporting agencies. and damage my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My American Express credit card provides a feature to extend warranty of a product by 1 year in addition to the original manufacturer warranty. I had bought an XXXX XXXX in XXXX of last year via this credit card from XXXX XXXX and all of a sudden the product stopped working couple weeks ago. I called American Express and filed a claim and was told that they will send me an email if they need anything else. I called again after 3 days of filing the claim but the person said I can not provide you the status and I will receive an email in couple days. I then receive an email stating that this feature is not available on my card. This is totally inaccurate/false as I have used the same feature before on exactly the same card and even there website provide this feature description after I logon to my account on their website. It is totally unfair and bait and switch practice that is just hard to accept. I am providing the key details below : Amex Claim # XXXX XXXX XXXX Charge Amount : {$270.00} Date : XX/XX/2020 Product : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY

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 2020-12-21
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
got debit coll noticed, didnt mention debt owe to who

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, Equifax Board members sold some of their stock. Consumers did not learn of this for about 75 days! 

Equifax as a company should not be allowed to exist. It should not be allow to simply change its name. Equifax board members, executives, information technology staff and other employees involved should be punished for what they  have done to the citizens of our country. 

In the future, Equifax, XXXX, XXXX and similar companies must have comprehensive review and oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be advised, Ive been a victim of identity theft. Im sent over 10 letters and ftc reports to Transunion and they continue to ignore them and ask for proof. They say they have did an investigation. Which its no way this information could be validated a state of mind because its fraudulent. Please show me who you spoke with at the company who sent you a signed contract how did you verify this did not to computer automated system these dates are all fraudulent someone stole my identity

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 2020-06-23
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. Information is inaccurate on report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TransUnion is reporting false information on my report. Even though the company has rectified the issue. The XXXX XXXX is not my account.

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 2019-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America has not contacted me in regards to a loan modification. I have submitted all the paperwork that Bank of America required. I've contacted Bank of America multiple times only to be told to speak with Bank of America 's attorney. I've tried that also without a response

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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, 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 2022-10-10
Company: TrueAccord Corp.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
They keep emailing me day in and day out trying to collect on a debt that has been written off by the company as a loss. I asked them to stop her they still try to contact me by email daily! I cant open my email without seeing them and having a panic attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 an auto loan through XXXX XXXX XXXX from XXXX to XXXX. In late XXXX I lost my job and was unable to continue making payments, so I voluntarily surrendered the vehicle and was told by the creditor that the remaining amount would be forgiven. I paid off 90 % of the loan over 4 years AND gave the car back when I could no longer pay due to hardship. After the surrender, the account remained on my Transunion credit report as a closed account with a {$0.00} balance. Now all of a sudden, this month it's now showing a remaining balance of {$2800.00} despite still being closed and my credit score has dropped 40 points. I have disputed this with Transunion and I consider it fraud to add a balance to an account that's been closed/settled for 5 years.

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 2019-09-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My auto loan matured XX/XX/2019. In XX/XX/2019 I contacted Chase Auto to find out how to resolve since the final payment was {$2400.00} ( due to financial issues during the course of the loan, deferring payments to the end of the loan ). I spoke to a gentleman who advised me the full balance was due but I had 120 days from the due date of XX/XX/2019. I asked him to give me an actual date. He replied XX/XX/2019. On XX/XX/2019 a payment was processed by bank in the amount of {$400.00} which was sent in error through my bill pay. ( My error ). I contacted Chase to verify that they at least posted the payment to my account since I know that I had to make a full payment. Upon speaking with several reps, I was finally transferred to the repossession department where I was notified that my car is currently in repossession status. I asked why because according to a representative within their company, I was told I had until XX/XX/XXXX. I was told that my account was charged off on XX/XX/2019. This is the second time I've had to file a complaint on Chase Auto due incompetencies. I now am in a repossession status in which they can pick up my car any day. This is ridiculous.

Company response to consumer: Closed with explanation