BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: Conn's, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I opened an account with Conn 's Home Plus on XXXX for I think {$9800.00}. I have never been 30 or more days past due on the loan, but have been past due and paid all the past due fees. In XX/XX/2021 I was offered a concession payment of almost {$800.00} and was advised that the payment would allow the account to show " paid in full '' on credit report and that the account would be closed. I made a payment of {$310.00} to avoid my account going 30 days past due on XXXX and advised that day that I would call back in a couple days to do the concession payment. I called back on XXXX and spoke with a woman who advised they wouldn't still honor the concession offer that was given to me a couple days prior so I made an additional payment on XXXX for {$450.00} for a total payment of {$770.00}. I was advised at the time of my 2nd payment that my account would be closed and be " paid in full. '' My account has yet to be closed and is still showing a balance and past due status. My account will report 30 days past due tomorrow and this should not be happening. I have been in contact with Conn 's Home Plus in XXXX, XXXX, and now XXXX to get this issue fixed. I have been told multiple times by their teams that the situation will be forwarded to the " resolutions team '' and that I should get a call back or email once it is completed. I have yet to hear from anyone from the Resolutions Team. I have also talked to the Conn 's Home Plus collection department via phone and email and assured this situation will be fixed, and again, no call back or verification of resolution. This is unacceptable as I did what I was asked to do and agreed to do with the concession payment and they have not held up their end of the agreement. I know their phone calls are recorded and have been told when I speak with a member of their customer service team that all the correct notes are in my account o make sure that the issue is resolved. I am very upset that this is now going to report to my credit and it absolutely should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During COVID-19 period, I was unable to make payments for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

The communication about payment assistance was not communicated properly to me and I only became aware that I can apply payment assistance in XX/XX/XXXX which I did. 
However, there was missed payment remarks left onto my loan for the 5 months mentioned above. XX/XX/XXXX was done incorrect as there was a payment assistance already on the account. 
Given Covid-19 impact on my life, I was unable to make those payments. Since then, the house was sold, and the mortgage was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: SUNTRUST BANKS, INC.
State: SC
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:
These inquiries were not authorized because I was already pre financed through my bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Credit Karma, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. This company is not licensed in the state of Florida to collect a debt. I've tried to contact this company with no response. I also sent a certified letter for them to validate or provide proof of debt with my signature ... I would like this company removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have had this account for almost 5 years and they are still reporting late payments from almost 4 years ago will they ever forever me for. Wing late I have been a customer for a while now

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 2022-01-11
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:
Experian on several ocassions knowingly reported inaccurate and false information on my Experian credit report..On XX/XX/2021. Experian responded to the XXXX the XXXX XXXX Bank account XXXX is not being reported on my Experian credit report. However on XXXX 2021 i receiced a copy of my Experian Credit report file # XXXX that reported this illegal information on my credit file. ( see enclosed CFPB complaint and the Experian Credit report. This a clear violation of the FCRA 611 A ( 1 ) A Re investigation of Disputed.

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 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a victim of identity theft. I checked my credit report and found that these companies submitted a request to view my credit report without my consent due to online applications filed in my name. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. 

The fraudulent inquires are from : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-01-16
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: Old information reappears or never goes away

Complaint:
I have had this account for almost 5 years and they are still reporting late payments from almost 4 years ago will they ever forever me for. Wing late I have been a customer for a while now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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: Account status incorrect

Complaint:
I am receiving notices on my credit score from a XXXX XXXX XXXX XXXX XXXX app that is stating I made 6 late payments even though I have never missed a payment or accrued interest. I believe my credit score is misrepresented and I desire a dispute to have this misconception amended and my credit score brought up. 

Further, I am receiving many more credit inquiries than I have agreed to. For example, XXXX XXXX sent me a card saying I was preapproved, so I agree to have the card and they made a credit inquiry and did not send the card. I have seen similar tactics from XXXX XXXX  and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get phone calls everyday demanding repayment, I never opened an account with this company yet they demand I pay them. 

The company is called Portfolio Recovery, I have blocked their numbers but continue to be harassed. I believe they are selling my information to other scam companies in attempt to get me to pay. I want them to stop and cease. 

Company phone numbers are as follows for the month of XXXX so far. 

( XXXX ) XXXX - XX/XX/2021 XXXX ( XXXX ) XXXX - XX/XX/2021 XXXX ( XXXX ) XXXX - XX/XX/2021 XXXX ( XXXX ) XXXX - XX/XX/2021 XXXX ( XXXX ) XXXX - XX/XX/2021 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please review our credit scores for the months of XXXX and XXXX of XXXX, there is a late-payment or non-payment, that was turned in by New Rez LLC, which is not correct .We had a choice to make in XXXX of XXXX, either make up the shortage of {$2800.00} from my XXXX property taxes, which New Rez  paid that month, or pay {$1700.00} per month until XX/XX/XXXX. We chose to pay the shortage for the amount stated. 
The same thing happened in XXXX XXXX, we paid and my payments went back to almost the same amount XXXX {$1200.00} more or less ), that I have been paying since I bought the house in XXXX of XXXX. This year was different with my mortgage after paying the shortage. No reduction in my monthly payments. We have included my payments, from them, which shows that we are telling the truth. I contacted them by e-mail, ( included for you to see ), called approximately 10 times during the 6 months that this was going on, informing them that they can not collect the shortage and charge me the higher payments at the same time. There was no response from them, neither had they say they would look into it and change the payments to reflect the money I had already paid, NOTHING was done. 
Included are all of the statements from XXXX of XXXX to present. My checks for {$1200.00} XXXX cleared their accounts before the XXXX on both XXXX and XXXX, the due date, and the deficit of {$520.00}, was more than paid by the {$2800.00} in XXXX. In fact there was enough money to cover all the months with their inflated payments, from XXXX through XXXX. 
Please note my monthly payment for XXXX, XXXX, look at the monthly payment, and also look at the payment for XXXX. We paid in full the XXXX statement, XXXX, knowing that if we didnt, no matter what we said or wrote, they would turn me in again, and we will pay for XXXX, by continuing with these payments, they will be collecting approx. {$4400.00}, in escrow for a tax bill for XXXX, that has NOT been paid by New Rez  and wont be until XXXX XXXX, and according to the county will be about {$1500.00}, we will receive this before the end of the month, we will have paid in approx. {$7200.00} since XXXX of XXXX until XXXX of XXXX. Please look into this and restore my credit, I have included all the documents for review, and will furnish any other documents that you request. 
We have done nothing wrong, I have sent a certified letter and documents to their XXXX, XXXX. office with an attempt to correct my credit, but so far there has been no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: EQUIFAX, INC.
State: TN
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 recently checked my Equifax credit report and noticed inquiries that was not authorized by me. These unauthorized inquiries was placed on my credit report without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Bridgecrest Acceptance Corporation
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: Account status incorrect

Complaint:
I cosigned for a loan from Bridgecrest with my daughter in XXXX 2021. THe car was totalled in XX/XX/2021 and the insurance paid Bridgecrest over {$12000.00}. THe balance is to be paid by XXXX through a GAP insurance policy and Bridgecrest was aware of this. XXXX and Bridgecrest both are very slow processing payments and claims. Out of nowhere without warning, I received a credit alert that my score dropped more than 40 points for a 30 days late payment from Bridgecrest after they have received {$12000.00} from the insurance company. Bridgecrest is aware that the car is totalled and XXXX is processing the GAP insurance policy that was submitted XXXX XXXX, 2021. I am trying to refinance my home and this practice from Bridgecrest has hurt my family and I seriously during this time of Covif pandemic and I am a XXXX XXXX. I need my credit report fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: CA
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 disputed with Experian, XXXX & XXXX the inaccurate information reported on my credit report which was a chapter XXXX BK reported by XXXX XXXX XXXX XXXX XXXX. 
I did not receive the response back from any of the agencies for my dispute within the time frame allowed by law.

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 2022-08-14
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I reached out to my current lender, Freedom Mortgage, back on XX/XX/2022, in regards to refinancing my loan. Since then, I've been in steadily contact, signed all the requested documents they've provided, and submitted all the necessary paperwork I needed to submit since then. 

I have emails and documentation of everything. And yet, as of today, XX/XX/2022 ( more than THREE MONTHS ), my refinancing has not been finalized. 

A loan refinancing with your current lender should NOT take this long to process!!

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 2019-04-03
Company: CITIBANK, N.A.
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:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company.The check my credit 6 times on one month and they low 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 explanation
Consumer complaint received 2018-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested a credit limit increase on XXXX XXXX, 2017. I was denied an increase because " recent use of this accounts existing credit line has been too low '', per their denial letter dated XX/XX/17. After reviewing CapitalOne 's complete frequently asked questions concerning reasons for denial, not a single factor shows cause for denying me a credit limit increase. I have been a customer of CapitalOne for over 20 years. I believe there is not sufficient merit to base such a denial of credit limit. 

In fact, all my other trade lines did grant me a credit limit increase recently including XXXX XXXX, XXXX, XXXX, and XXXX XXXX. Both XXXX and XXXX almost doubled my credit limit from {$12000.00}. to {$23000.00}. due to my superior credit discipline and payment history. 

I review my trade lines annually and try to request a credit limit increase primarily to boost my credit scores and future purchasing power.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Last year I paid the outstanding principal balance to avoid a foreclosure. I wasn't able to pay the late fees. Starting in XX/XX/XXXX the monthly totals were caught up and I made payments on time. I just noticed I'm 2 months behind in payment, although all payments made this year were made on time. Specialized Loan Services ( SLS ) has apparently dropped the account back two months in an attempt to get late fees from the previous year. 

This is rental property and the tenant said a foreclosure sticker had been placed on the house at the beginning of the year. Since all payments have been caught up SLS is now stating that I'm two months behind in payments. Nothing can be further from the truth.

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 2020-07-20
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX says that they have refunded {$540.00} for the product that got stolen or missing, but Credit card service provider Apple Credit Card, Goldman Sach says that they have never received payment from XXXX and keep telling me that I should work with them and I '' m stuck in the in between these two companies zero some game. XXXX promised me to give me a call back within 48 hours and it has been 3 days and still not even single call so far. Please have a look at the attached screenshot

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
Bank of America through its XXXX  XXXX XXXX  credit card reported negative information to credit reporting agencies regarding a credit card charge. The credit card in question is on Auto Pay to debit my XXXX XXXX bank account. However BOA did not carry out the debit for three months so far and tacked on many charges of interest and late payments and caused my credit rating to drop by several hundred points. BOA also took me to internal collections

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 2019-07-19
Company: TRANSWORLD SYSTEMS INC
State: KS
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 has reported a business account to my personal credit bureaus. 

This was for a business and not my personal account. XXXX XXXX has refused to remove the account from my personal XXXX. Also, the representative informed me the account has been sold to nationwide credit. Previously I was informed the account was not going to be sold, however today I was told it was sold. I requested 4 months worth of statements from 2016, they said they would send them to me but never did. I asked for these documents dozens of times. 

XXXX XXXX hasnt sold the account to any agency. However I was told it was by XXXX with XXXX XXXX. Her ID XXXX. They have lied to me over and over again. I confirmed with the collection agency was it sold. 





Nationwide Credit inc XXXX XXXX pa, 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 2019-04-03
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company This company rum 6 times my credit on 1 month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: NC
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXXXXXX XXXX XXXX, 60 days in XX/XX/XXXXXXXX XXXX XXXX  90 days in XX/XX/XXXX, XXXX XXXX, 120 days in 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