BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2017 I was having trouble making my mortgage payments due to a job change - I was making less money than before. I was behind on payments and the company suggested loss mitigation. At the time my loan balance was {$110000.00}. My monthly payment was {$1000.00}. After several phone calls ( it is never easy to get ahold of anyone at this company ) I was able to complete the paperwork and submit it. When I got the " refinance '' back my payments were actually higher than before and they charged me approx {$5000.00} in fees so now my balance was {$120000.00}. I told them that the loss mitigation was not helpful at all but they said if I didn't do it I would be foreclosed on. I either had to come up with the past due balance ( which was now a few months behind ) or face foreclosure. I was never told at anytime that my payments would be more or that my balance would increase. I thought this was supposed to help me. Since then I've been struggling to keep up. They are never helpful or friendly to work with. It's difficult to see where my payments are being applied. They charge me for insurance when I already have my own and send out someone to inspect my house and charge me for it. However the person reports my house is abandoned. My partner was home when he came and he didn't knock or ring the doorbell and we had both cars in the driveway. Hardly abandoned! I'm tired of this mortgage company taking advantage of me. Surely what they are doing can't be legal.

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 2020-01-28
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:
XXXX  is reporting incorrectly a balance due in the amount of {$4800.00} on the XXXX - partial account number XXXX. XXXX  and Transunion are reporting correctly a {$0.00} balance due on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) The vehicle was sold at auction and sold for more than the outstanding balance due and consequently there is no balance due. This account needs to report a {$0.00} balance. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-09-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Initial line of credit was in the amount of {$34000.00} in XXXX and interest only. In XXXX I requested a modification for a fully amortized loan and the payment was {$220.00}. An automatic bank draft was set up and payments have been deducted since. The loan balance is still at $ 32,000.00+ after 14 years ( unbelievable ). Because of the {$32000.00} balance, the payment has slightly decreased over the years to {$100.00}. Fifth Third Bank has been applying the remaining {$120.00} to interest as opposed to the principal. This was not authorized by me and I assumed that the remaining amount of the payment would be applied towards to the principal as this has not been an interest only loan since XXXX. This is usury, unethical and illegal. I do not have $ 120.00+ each month to pay interest on a loan that interest is already been paid. Are they charging interest in advance? I am a senior citizen and this is unreasonable and unfair. I have now paid over the amount of the initial loan, but yet, I still owe {$32000.00} after 14 years and was told that the loan should be paid off in XXXX. You do the math, I don't think that I'll be around in XXXX. They have taken advantage and something needs to be done. If you can't do anything, I am going to continue until someone can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Attn : CFPB This delinquency originated at the end of XXXX, and therefore should be off of my credit report. They need to provide the original referral for collection with the lease. If they can not provide this, per FCRA they must remove this from my credit file. 

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 2018-02-22
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Service Provider : XXXX XXXX ; Services Provided : XXXX XXXX ; Date of Service : XX/XX/XXXX ;  Invoice # : XXXX ; Claimed Amount : {$100.00} ; XXXX XXXX are claiming that I have not paid their above Invoice for services provided on XX/XX/XXXX. 
I paid this amount through my XXXX XXXX XXXX ( XXXX ) bill payment service in two equal installments of {$50.00} each as follows : 1. Electronic Payment from XXXX  XXXX XXXX {$50.00} on XX/XX/XXXX 2.  Electronic Payment from XXXX XXXX XXXX {$50.00} on XX/XX/XXXX The above information was provided to XXXX XXXX of XXXX XXXX ( Tel : XXXX ) 9-28 2017 by XXXX.. 
On XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX and provided the information again. She promised to investigate and call me back in 5 business days, but never returned my call. 
They have now referred this fraudulent claim to a Collection Agency - American Medical Collection Agency. This has affected my credit rating and I am being continued to be harassed. 
I am a retired person and I am being harassed for no reason. Please intervene to stop this tyranny! 
I also need them to have my credit repaired. 
Thank you. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
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:
XXXX XXXX XXXX is reporting on experian XXXX and XXXX.the account is not mine.I never ordered or received a phone or service.The time of opening coincides with the time my purse was stolen and a police report filed for that. 
Delete the account, it is legally impossible to validate as mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: General Motors Financial Company, Inc.
State: GA
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:
I went into XXXX XXXX XXXX to inquire on possible trading my car in for a newer model and year. I specifically told the sales rep to only run my credit once and if they were unable to give me the deal I was looking for off of that one hit, then I wasn't going to proceed with any transactions. However, once my credit was pulled once for the purpose of getting a car, I was not offered the deal I wanted and turned down the offers that were made to me by the dealership. However, later I discovered that they ran my credit more that once through other financial institutions in efforts to inquire car financing on my behalf ; something, I specifically asked them not to do. I recently worked hard on build my credit up so that I could purchase a home, which I recently did prior to entering this dealership -- and as a result of the hard inquires acquired due to them running my credit more than once, lowered my credit rating, something I take pride in maintaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Over the past two years, chase bank has been incapable of protecting my account from online fraudulent charges. Each time this happens, Im inconvenienced by this, by the lack of funds and having to get a new debit card. My purchases are the same each month, I dont stray from my monthly spending, and am careful with my transactions. This recent occurrence has left me with negative funds and fees from my bank. I filed a claim, was told it was taken care of, only to wake up to the charges being reversed with no notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My information and identity and bank account was stolen by an ex co-worker and used to get loans with out my authorization

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 2019-09-05
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Huntington bank is the most negligent, cold, bankers in the country!! 
They have locked my debit card twice in 3 days!! 
And refuse to call me back on this! 
I had to order somthing on line, and it was blocked! 
They did not disclose this to me through a message on my phone at all! 
I had to go out, use gas, buy a pre paid mastercard which has a fee, and they refuse to pay for the fee!! 

I absolutley can not trust them anymore, and will be finding another bank. 
I have been with them for over a year, and now this is happening. I can not ever know when i can use the debit card?????????????? NOT!! 
They can go fly a kite! 
They are actually commiting fraud on my account, and locking all of my money in it!! 
Their executive office had better return calls, and they arent!! And they better pay for all the fees I had to pay to buy a pre-paid mastercard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-05
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I applied for a XXXX XXXX XXXX XXXX on XX/XX/2023, and it was denied because EXPERIAN Credit Bureau does NOT have my current credit card and bank information listed in the report they keep. They are showing I have NO credit history and NO credit cards or bank accounts. I'm XXXX XXXX XXXX, have had so many credit accounts and always paid in full never late. The other XXXX bureau 's have my current and correct information, but EXPERIAN does not list anything. And wouldn't you know it, XXXX XXXXXXXX XXXX who issues the XXXX XXXX XXXX card only checked with EXPERIAN credit reporting bureau. I have tried to contact Experian but there is no reliable contact info. I have tried to use their " BOOST '' web feature to list my current credit card info which is FOUR AND A HALF YEARS OLD and current, but their " boost '' feature does not list my credit union by name and so I can't correct the info myself. I have written them a letter demanding this credit info be added to my Experian account so I may be able to obtain credit per my legal right.. I am asking for help to get them to correct THEIR mistake which is causing ME to suffer. 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 explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: MS
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 have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to the bank and got a report of my deposits so I could do my taxes. The deposits unfortunately do not match my records. Many of my employment checks do not have history on my account. 
They have never been recorded! 
The XXXX is also saying I have no record of these payments so they are holding up my claim so I believe the banks reporting is causing a hold up on my unemployment funds. 

What ever the XXXX and Wells Fargo bank are doing it seems they are doing it together. 

Attached is an accounting of all the checks I have. This is major fraud. 

Ive only had my Two accounts with Wells Fargo since 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 explanation
Consumer complaint received 2018-11-21
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: AmeriCollect
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:
on XX/XX/XXXX I XXXX XXXX XXXX and ankle and visited two different hospital emergency rooms. 
The first one was at XXXX XXXX XXXX. The second was XXXX in XXXX. 
I begun receiving bills from the hospitals and the ER physicians in late XXXX and XXXX. It was easy to identify who the bills were from, what the bills were for and all entities were willing to work with me since I was uninsured at the time. 
Three days ago on XXXX I received a pink past due notice dated XX/XX/XXXX from Americollect in XXXX Wisconsin. They say I am overdue to pay a company called XXXX XXXX two different amounts - {$36.00} and {$40.00} totaling {$76.00}. 
# 1 I have no idea who XXXX XXXX is and I have received no correspondence.or bill from XXXX XXXX. I am assuming that maybe it has to do with XXXX  of my XXXX XXXX and XXXX? 
# 2. Even if this is a legitimate debt although I haven't been billed, how could this be in collections less than 60 days from the time I could have incurred a charge. 
# 3 Due to XXXX XXXX I can't move about. I called the collection agency to dispute but they would not accept that and told me I had to put my dispute in writing and mail certified ( which would be a problem for me ) My issue is how can I debt I never knew about be in collections in way less than 60 days. Even if XXXX XXXX had sent me a bill in XXXX I would not have been considered over 30 days late at time this collection notice was generated. 

I try hard to keep my credit okay. I contacted the hospitals and they are working with me on reducing charges and accepting a payment plan. Whoever these people are, they are ruining my credit and I have never had a chance to know if I was charged and what I was charged with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an HSBC Premier Checking account around XX/XX/2021 under the promotion that advertised as 3 % cashback for direct deposit, up to a total bonus of {$120.00} per month, for up to 5 months. I have been doing my paycheck direct deposit starting from XXXX and haven't seen any cashback bonus deposited to my account as of today XX/XX/2021. I reached out to HSBC via internal message but received a very generic reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XXXX XXXX at XXXX XXXX California time I made contact with Prestige Financial Services Administration Mr.XXXX XXXX, Mr.XXXX XXXX and XXXX XXXX in regards reducing my interest rate under 17 % and my Auto Loan under {$440.00} to {$330.00} a month. 
I can make affordable payments of {$330.00} only as my Financial Hardship has  arise and the cost of living in California doesn't make it easy. 
I tried selling my XXXX XXXX XXXX XXXX that I purchase in XXXX, Texas in XXXX for {$22000.00}, but the value has decreased and Prestige Financial Services wants the whole balance amount of {$18000.00} paid. 
Vehicle is in excellent as I put lots of money to repair mechanical issues, when I purchase on XX/XX/XXXX at XXXX XXXX XXXX in Texas. 
Nobody in the State of California and America will not buy this vehicle from me for {$18000.00}, it only has XXXX miles and well maintained by me as I do n't drive that much. 
I just turned XXXX years old. 
If Prestige Administration will not reduce my payments to {$300.00} to {$330.00} a month and lower my interest of 17 %. 
I will give the vehicle back to Prestige. 
I am XXXX XXXX and Retired. 
I can only make payments of {$300.00} to {$330.00} a month. My Financial Hardship is Permanently just like my XXXX XXXX. 
There is a payment due on auto loan on XXXX XXXX for {$440.00} in which I am not able to pay, but I can pay {$330.00}. 

This is a very Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter in the mail with my first name and someone else last name and this collection is on my credit report. I never lived at the address that the services provided nor has I ever had an account with the 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 2021-04-25
Company: EQUIFAX, INC.
State: AZ
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:
I just received my credit report and I noticed the following inquiries that are not linked to any of my accounts. 

Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX APPEAL, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Credit Inquiry from XXXX XXXX AUTO FI, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX XXXX DEALER S, Inquiry Info : HARD Inquiry : Finance - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX

Company response to consumer: Closed with explanation