BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-08
Company: MONEY SOURCE, INC., THE
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The Money Source contacted me about doing a reversed mortgage. They stated they were certified etc., I had the notary come over and even did the credit counseling. Strung me on for 4 months kept saying I would receive funds on my home. Never told me that my student loans would effect me. And they are deferred. So I was lead on for 4 months to believe that I was able to get it. They falsified their information with me, they did not do their diligence in research to see the property was not even FHA/HUD approved! This could have eliminated all hopefulness on my part, believing I was getting my house payment removed from me alleviating stress but put more stress on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SSXXXX and my is DOB XXXX. I have attached my bank SS Card and DL for proof of ID

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 2019-10-19
Company: ERC
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: Account status incorrect

Complaint:
XXXX  IS UNAVAILABLE TO ME ONLINE DUE TO A COMPUTER GLITCH OF THEIRS..IT WOULD BE GREAT IF THEY KNEW HOW TO GENERATE SECURITY QUESTIONS SO I COULD USE THE SERVICE. 
THERFOR I OFFER THE FOLLOWING COMPLAINT : CREDITOR XXXX   COLLECTOR ENHANCED RECOVERY COMPANY HAS DEFRAUDED ME.I PAID XXXX DOLLARS UNDER A DURESS SETTLEMENT THAT I SHOULD HAVE PAID NOTHING. 
XXXX AT TIME OF SALE /SERVICE INTENTIONALLY WILLFULLY DEFRAUDED ME AND VIOLATED THE IMPLIED WARRANTIES LAWS OF CALIFORNIA . 
DUE TO THE UNDISCLOSED LACK OF CELL TOWER COVERAGE IN MY AREA XXXX SERVICE WAS DROPPED CALLS, INTERFERENCE, MISSED MESSAGES AND JUST GENERALLY FAILURE PRONE.SINCE XXXX KNEW THIS THEY SHOULD HAVE NEVER SOLD ME THE REASONABLE EXPECTATION OF ADEQUATE SERVICE. 
I WOULD LIKE THIS ERC ACCOUNT DELETED FROM ALL CREDIT BUREAUS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a XXXX loan cancelled the minute I found out about their interest rates, the gal at Big pic loan said my loan was in review and she could not stop it, than she put me on hold like 5 x during this phone call only to say she could n't stop it the money was going into my acct! I was NEVER TOLD ABOUT A FEE OF XXXX loan fee either. They put the $ $ in I proceed to call to have the $ $ withdrawn so I could get out of this nonsense that I did n't want to begin with .... then they said since they tried taking the XXXX out and there was not enough there because of the {$130.00} Finance charge that I was NEVER TOLD ABOUT! So there was only XXXX and some change there. My bank sent it back I had a non sufficient charge and than the fun began with this company! I called and spoke to a guy named XXXX who insured me I will have this closed and handled but, that I needed to pay more since daily interest was occurring. Payoff now was XXXX they were to take the $ $ out on XX/XX/XXXX .... NEVER DID! I called and spoke to XXXX who said XXXX never put the order through and they could n't do anything .... She proceed to say XX/XX/XXXX they could take the $ $ out but, it was n't going to be for XXXX it would be XXXX due to more interest .... this is insane and wrong! She than said she would take this matter to a higher level .... have n't heard from them ... .. which I probably wo n't! I did n't want this loan, cancelled it in time but, was told it was too late .... this company is a True scam and should not be allowed to operate .... I 've been searching the internet and seeing all the problems people had with this company it 's ridiculous ... .. 3 names this company has used ... .. Red rock tribal, Castle Payday now BIG PICTURE LOAN .... I need Help with this matter .... I did n't want the loan cancelled in time yet held me deemed responsible for something I did n't want!! Now they are not complying giving me the one around while making my XXXX loan building interest rates daily since they refuse to take the $ $ I was told to pay to close out my acct with Big Picture loans .... they refuse me paying it off and keep adding interest rates daily when the $ $ has been in my acct for them to take! It 's sad that this is what this company is doing and just plain WRONG!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: MO
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:
The following ALLEGATIONS of inquiries 1. XXXX XXXX XXXX 2. Spring leaf Fin Srvcs- XXXX/XXXX/XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX XXXX XXXX. XXXX XXXX is NOT reporting COMPLIANTLY due to XXXXne of the following reasons : The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PURPOSE from the EXACTLY IDENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE INCORRECT INCOMPLETE UNTIMELY NOT PROVEN MINE NOT PROVEN of MY RESPONSIBILITY or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said it is  clear you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information regardless if true or not. PROOF OF COMPLIANCE is NOT VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY even RIGHT NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I've been trying ever since XXXX the XXXX to get my mortgage documents. 
Homebridge Mortgage keeps telling me their sending it out and that I will receive it within 72 hours but I've never received any documents or papers since XXXX the XXXX. I've called 6 times within that time frame. Ive asked to speak with the CEO to get this resolved, they gave me someone in office and they stated the same info about sending within 72 hours. Still I have nothing! Please help me get this resolved asap, thank you for your service!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 information on my report that was removed that keeps coming back up is INSANE!! Transunion finally reported on XX/XX/XXXX that they removed it and then on XX/XX/XXXX put it back on there!!! Same thing goes for the XXXX XXXX XXXX account. I have attached the evidence! I am SICK OF THIS NONSENSE!!! THEY KEEP SAYING FOR ME TO PAY MY BILLS ON TIME YET I HAVE ZERO DELINQUENT ACCOUNTS AND 100 % PAYMENT HISTORY! I have already filed complaints regarding XXXX and XXXX with the FTC for fraud.

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 2021-10-12
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: Account status incorrect

Complaint:
My old XXXX XXXX - XXXX XXXX XXXX account is misreporting a balance owed to Equifax when it was included in a bankruptcy that was filed years ago. This is inhibiting me from getting a loan and should be fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Experian Information Solutions Inc.
State: LA
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 information on my report that was removed that keeps coming back up is INSANE!! XXXX finally reported on XX/XX/XXXX that they removed it and then on XX/XX/XXXX put it back on there!!! Same thing goes for the XXXX XXXX XXXX account. I have attached the evidence! I am SICK OF THIS NONSENSE!!! THEY KEEP SAYING FOR ME TO PAY MY BILLS ON TIME YET I HAVE ZERO DELINQUENT ACCOUNTS AND 100 % PAYMENT HISTORY! I have already filed complaints regarding XXXX and XXXX with the FTC for fraud.

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 2021-10-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been trying to update my personal information with Experian since XXXX, They refuse to update my name and address and employer. Every time I call the reps on the phone get smart and very rude instead of doing their jobs, they refuse to even give me the update of my dispute and simply say ... they are updated. I cant verify online and mail has not been sent. can i sue this company?? This is a huge inconvenience, I even ask multiple times for a supervisor and they refuse to transfer me, XXXX with XXXX Team that works with Experian. I spoke to him twice on XX/XX/2021 between XXXX and XXXX and he was the worse ever. Very rude unprofessional and simply expressed his opinions instead of giving me results of my disputes and updating my information I have been requesting for months. I have sent recent utility bills with current address, valid dl and my ss card. NO HELP. PLEASE HELP ME at this point I fell i have no choice but to contact my attorney. Which isn't fair to have to pay for something I should be able to rightfully do for free legally.

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 2019-10-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of the following account XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19
Company: ID Analytics, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I purchased new XXXX XXXX service through XXXX XXXX XXXX. IT is being installed today. I received a letter a few weeks ago ( I was away on vacation for 10 days ) indicating that my credit score is XXXX from a company called SageStream LLC. My credit score has always been excellent and ranges between XXXX and XXXX across the three major credit bureaus. 

The XXXX XXXX XXXX letter goes on to say that based upon my credit history, XXXX XXXX XXXX is imposing certain restrictions or conditions on my account. I called XXXX XXXX XXXX and they said that I have to contact Sage Stream to have it corrected. I even explained that they did not use my full name in the letter. I have a very common name and I'm sure there are thousands of people with the same name. The XXXX XXXX XXXX agent was professional but could not help me. 

I went online to request my credit score from SageStream LLC. and they want a copy of my driver 's license. That is ridiculous and scary in this day and age. So, I refused to provide the information. 

I'd like to file a complaint against SageStream for providing information about me but that not allowing me to access it. I '' d also like to file a complaint against XXXX XXXX XXXX for not using the three major credit bureas where I already have access to my information. 

Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I do not recall receiving the release of lien holder interest letter from COAF after paying off the loan during XX/XX/2021. I have attempted many times to simply request a duplicate be sent but have been unable to speak with a live person at COAF. COAF claims they update the DMV via electronic methods however as of XX/XX/2021, I received a letter today ( XX/XX/2021 ) from the Nevada DMV declining a copy of the title as the DMV 's records still indicate COAF as the lien holder still present.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
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 an inquiry from XXXX on my credit report. I never authorized this. I have a fraud alert on my account and I am to be notified when my credit is pulled. I was not contacted. I have contacted XXXX 3 times. When I provide my social security number, they aim to not be able to locate me. However, their inquiry remains on my credit.

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 2019-10-19
Company: Data Search NY, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was included in the bankruptcy and it was discharge ; however, this debt is still reflecting in my credit bureau reporting as Open from XXXX XXXX XXXX XXXX. Also, since the debt was discharged by the FCRA the debt can not be reporting twice as Collection and Bankruptcy. On my other credit bureau agencies ( XXXX  and XXXX  ) it was removed as a Collection since it was part of the Bankruptcy. I want this removed from my credit bureau reporting in XXXX because It can not be reporting twice

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: JPMORGAN CHASE & CO.
State: AZ
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:
In XX/XX/XXXX I opened my XXXX XXXX Visa Infinite card with Chase Bank NA. On XX/XX/XXXX I was charged a {$450.00} annual fee covering 12 calendar months per the terms and conditions set forth by Chase. <P/>On XX/XX/XXXX Chase Bank NA sent me a letter that they had closed my XXXX XXXX Visa Infinite card ending in XXXX due to 1 ) Rapid increase in revolving balances, 2 ) Too many accounts opened recently and 3 ) Too many requests for credit or / reviews of credit. All my Chase Credit Card 's have had a {$0.00} average balance just like my cards with other banks. I have also not broken any of their Terms and Conditions. <P/>Chase Bank NA has refused to re-open my account or provide me with a pro-rated refund of my {$450.00} annual fee, since I was only able to use the card for less than 6 months I do not find it fair to be charged the full annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
An old Bank of America card was last pa id  XX/XX/XXXX , yet w hen they charged off the card, forwarded it to  XXXX  and on to  XXXX , they did so adding an improper indication of a payment that never happened,  in  XX/XX/XXXX , wh ich is now also considered an open of account date for  XXXX . This action inappropriately punishes me allowing  XXXX  to claim my debt for a longer period. Under AZ state law I ca n't be sued passed 6 years of a debt 's delinquency date. This date has truthfully passed from   XX/XX/XXXX   but Bank of America colludes with their collection servicers to allow longer pursuits.

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 2017-11-13
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
Account : GM Financial # XXXX ( {$370.00} per month ) XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to XXXX, XXXX and XXXX : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to GM Financial for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to XXXX, XXXX and XXXX by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to buy concert resale tickets, and I met the woman on XXXX XXXX. We had a conversation on XX/XX/XXXX, and I decided to buy the tickets from her and sent the money via Paypal. She told me her colleagues Paypal account which was XXXX, and I sent USD XXXX on XX/XX/XXXX. However, today ( XX/XX/XXXX ) I tried to reach out to her again but her XXXX account was already deleted and I could not see the messages because the messages were all blocked. So, I would like to get my USD XXXX ( XXXX including Paypal fees ) back from these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: MO
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 have XXXX credit card accounts that are not minds and was open up in my name as fraud. I File an identity theft report and a police report. Here are the accounts : XXXX XXXX balance XXXX XXXX XXXX balance XXXX XXXX XXXX bank balance {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
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: Account status incorrect

Complaint:
XXXX XXXX reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. XXXX acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to XXXX XXXX 6-7 times between XX/XX/XXXX and XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed the account in the amount of {$1400.00} that I do not owe and I have not received a copy of a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act. Now they are saying it verified but sent me no proof of that. Now they say it has been sold but the original creditor is still having this charged off account reporting and not the new creditor.

Company response to consumer: Closed with explanation