BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-11
Company: GreenSky, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
ON or about XX/XX/2017 XXXX XXXX located at XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX entered into agreement with Green Sky Lending, XXXX XXXX XXXX, XXXX, Georgia XXXX. This agreement was entered in my personal name XXXX XXXX on a Invoice in My wife 's name. We never signed nor agreed to any loan application, This was marketed as a interest free note through XXXX XXXX. This was a replacement of air conditioner system which failed. My wife having XXXX XXXX and awaiting XXXX XXXX  was not equipped mentally to make such financial decisions. After install we had major failure within the system with mold, that I had another contractor resolve at a cost of XXXX dollars. After this failure, My accountant paid the total outstanding balance down to XXXX balance thinking the contractor was receiving payments from Green Sky. I  never signed nor agreed to this note, nor is there any signature of my wife and only an estimate that has her name on it. I consider this a fraud on myself, Green Sky and XXXX XXXX  to which this invoice was sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Bread Financial Holdings, Inc.
State: OK
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:
Last month i sent out some documents to XXXX XXXX  and XXXX credit reporting agency about a late payment that saw on my credit report. I submitted all the right documentation for the CARES ACT forgiveness to show that the alleged late payment should not be counted against me since i was affected negatively by the pandemic. When i submitted a CFPB to the agencies they are ignoring me and saying they don't recognize me as a consumer. The pandemic has hurt alot of us and the Cares Act is in place to help us ease the suffering especially financially. Please help me bc it doesn't sound like they will honor the cares act. I called the furnisher of the XXXX  credit card in and they refused to validate and remove the other late payment. I explained to them that i didn't even know i had a credit card with XXXX  due to misleading advertising when i was in the store. I thought i was signing up for a members reward card and they gave me a credit card instead. Now The account is open and in good standing at the moment but they will not honor the CARES ACT here and remove the 30 days late payment. Please help this is causing me stress and severely hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Transunion on XX/XX/XXXX regarding hard inquiries. After reviewing my credit report I noticed that I had been a victim of their inquiry issue, where there were hard inquiries added to my credit report that I did not give authorization for. The customer service woman refused to listen to me and kept talking over me after she asked me a question. She told me I needed to contact the companies myself, which I explained to her that I already had contacted these companies. She then proceeds to tell me that if I do not contact the creditor there is nothing she can do. Transunion reinserted previously deleted information so why would I need to reach out to the creditor when this is their problem? 

These are the inquiries that are a problem ( along with many more ) : XXXXXXXX XXXX XXXX XXXX XXXX, National Credit Cards/Airlines XXXX XX/XX/XXXX, National Credit Cards/Airlines XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX, Bank XXXX XX/XX/XXXX, Bank XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance  XXXX XXXX XX/XX/XXXX, Automotive XXXX XXXX XX/XX/XXXX Finance

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 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/2020, I sent a letter to XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/XXXX, I have not received any notice and the account is still showing on my credit reports. I disputed the entry still being on my credit report with Transunion and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

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 2021-05-03
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home and closed our loan with Nationstar Mortgage LLC d/b/a Mr. Cooper in XX/XX/XXXX. Our new Mortgage company paid off our loan with Mr. Cooper on XX/XX/XXXX. We were owed a refund for overpayment and received a check in the amount of {$4300.00} on XX/XX/XXXX. Our bank held the check for clearance and then released the funds, which we began to use. On XX/XX/XXXX, Mr. Cooper placed a " Stop Payment '' on the check, which made our account negative in addition to fees. 
We called Mr. Cooper for an explanation and were told the original check was incorrect by {$9.00}, which they owed us the additional {$9.00}. Instead of sending us a second check for the {$9.00}, they cancelled the original check. We have been in constant contact with them for the last 3 months and every single week, sometimes twice a week, we get a different answer as to why we still have not received the refund that is owed to us in the amount of {$4300.00}. Every agent we speak to assures us they will find a resolution and call us back. We have yet to receive a call back or receive any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was a nationwide issue last week where XXXX who is the parent company of my mortgage company XXXX XXXX withdrew my mortgage payment of {$1100.00} four times in one day for a total of {$4700.00} in unauthorized charges after the initial correct mortgage payment was made days before. The main issue is that my banking institution CHASE bank allowed the unauthorized withdrawals to take place even though we don't have auto bill pay for our mortgage payment. So each month we go in and authorize the payment each time we pay our mortgage. I was out of town on a business trip and had no access to my money for the entire day. I would like to investigate how and Why Chase allowed for unauthorized payments to be taken out of my account, especially when I do not have auto bill pay for my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Amsher Collection Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sometime in early XXXX, I received a letter from AmSher about a debt account they received from XXXX. The letter stated the total amount but not the itemized amounts and I can not validate this debt, especially not knowing what the charges are. I called AmSher and left a detailed message regarding my account with them, indicating that I formally dispute the debt and request itemized charges. 
For a while, I heard nothing back and received no itemized charges ; I considered the matter resolved. Some time later XXXX late XXXX ) I am notified through credit monitoring that there was a change in my credit report. AmSher reported the debt in spite of my dispute, to the collection agency without first having sent the itemized charges or contacted me about my request. 

On calling them today, I was told my request was received shortly after I called and that the itemized charges were sent in the mail. No such mail ever arrived XXXX even though I receive other mail just fine, including their original notice ) ; no explanation or tracking number was given. I asked that in lieu of sending the itemized charges and/or notifying me they were not sent, that AmSher remove the report they sent to the credit bureaus, until after the itemized charges document has been sent. They refused to look into the matter further and insisted they're " not in control of the postal service ''. This seems highly suspicious since I receive mail routinely just fine, I am confident the document was not sent because they did not send it and it does not exist. Based on my past experience with this debt, a previous agency XXXX having attempted to do the same thing ) eventually admitted the document did not exist because no itemized details were provided by XXXX with the account. I am confident this is the case yet again, where the agency is falsely insisting it was sent as a pressuring tactic to make up for the fact they can not legitimately provide supporting documentation. 

In the past, I have contacted XXXX and the previous agency to confirm that XXXX deleted my account information, and so with it any information about itemized charges. It seems entirely like a scam tactic to, knowing this, a ) continue to collect the debt and b ) for agencies to " invent ' documents/details which don't and can no longer exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: DC
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 check my credit report and notice some things that should not be in my Credit report. These accounts are actually stopping me from getting a personal loan. The account listed below does not belong to me. I sent in a mail regarding this and haven't received any response. I don't why its taking too long. Please help me. 

XXXX XXXX XXXX XXXX XXXX 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 2021-08-13
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I noticed that Credence damaged my credit by reporting information to all credit reporting agencies. I attempted to contact the company via USPS in an attempt to validate the debt ( SEE EXHIBIT 1 ). The company did receive my request ( SEE EXHIBITS 2 ). The company did not fully respond to my request and only provided an outdated billing statement ( SEE EXHIBITS 3 ).

I attempted a second time to request the information again ( SEE EXHIBIT 6 ) to properly validate the debt. The company did receive my second request ( SEE EXHIBIT 4 ). The company did not fully respond to my request and inundated me with multiple outdated billing statements ( SEE EXHIBITS 5, 7, 8, 9, 10, 11, and 12 ).

The company continues to refuse to properly validate the debt, which the negative credit reporting is a violation of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Fair Credit Billing Act. 

I am requesting CFPB 's help in resolving this issue within the confines of the law. If the company can not properly validate the debt, then by law they must remove from my credit files any negative reference concerning the debt and cease any and all attempts to collect on the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: MARINER FINANCE, LLC
State: VA
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:
XXXX of Mariner finance has been reporting incorrect information to my credit report since his company acquired my loan back in XX/XX/XXXX. I have spoken with him and other employees within his company and nothing has been correct. Back in XX/XX/XXXX XXXX has requested a garnishment of my wages. The court case was in XX/XX/XXXX of XX/XX/XXXX and one check came the day after the court date and he refused to go to the court to pickup the funds. So they were sent back to my employer and then back to me. Just recently he took me back to court again to garnish my wages for the same amount that he refused to pickup after the clerk of court reached out to him to make him aware that the payment came in right after the court hearing and was dated within the garnishment dates.

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 2022-01-05
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I already had a Citi XXXX for many years. One day in XXXX or XXXX of XXXX I was looking at the credit card account online, and an offer to get a Citi Checking Account popped up. It said that they would give me a {$200.00} bonus for opening a new account if I deposited and maintained a {$3000.00} balance. I attempted to open the account online, but it wouldn't go through. They provided a number to call in case of any problems ( XXXX ext XXXX ). I talked to a representative who opened the account over the phone and he said I would receive the identical promotion mentioned online. I have called Citi several times since then to ask for the {$200.00} promised, and each time they have an excuse. First it was that I hadn't submitted a Form XXXX ( not true, as I received their new account welcome kit and mailed it then ). Over the last 7 months I mailed a XXXX to them XXXX times and faxed it once. Now they have the XXXX registered on their system, but the new excuse is that they can't find the details of the promotion code the Citi Phone XXXX entered . I personally called the phone number above and asked them about this ; the rep was immediately able to give me the promotion code that their rep entered ( XXXX ). Since I was able to get the information immediately, don't you think that the " customer service '' people I've been dealing with would also be able to verify this and fulfill their part of the bargain? During the account opening process, I took screen shots, and downloaded the terms and conditions of this offer. I offered to e-mail them all of this proof but they said they can not accept e-mails. I think I have waited long enough for this offered to be fulfilled. They appear to be just ignoring me, hoping that I will give up and go away. I am tired of being treated like this, and deserve to receive the promotion that I signed up for. I am attaching to this complaint the screen shot of the promo, plus the terms and conditions I downloaded from the Citi web site. Thank you for your assistance.

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 2018-12-31
Company: Auto Trakk, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The has been in the repair shop sine the beginning of XXXX I explained that i will have to pay for this care to be repaired and had to pay for rentals in the beginning. They stated they can only offer me an extension. I explained it is a hardship right know not having my car and I have to save the money when it is ready. The call me 6 times a day back to back it is XXXX and they Just called and left 2 messages. the car is already disabled I do not understand what they want me to do. I have answered them via email I do not want to talk because I am at work I told them to contact me via email. Harassing needs to stop until I have my car returned or they need to contact me via mail and email. 
Autotrakk which I pay weekly Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: A.R.M. Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive a notice of collection from ARM Resolutions in CA for a subscription with the XXXX XXXX. I never had a subscription with the XXXX XXXX. This better not damage my credit in anyway. This is a complete fraud and I will follow up with a complaint to the XXXX XXXX XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
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: Information belongs to someone else

Complaint:
This is account is reporting inaccurate information XXXX XXXX/XXXX  # XXXX on XXXX, XXXX, TransUnion. 

On XXXX  reporting Exceptional History not late payments ; however reported as a Charge-off ... On TransUnion  reporting as " Unknown Payment History Charged-off as bad debt ''. Reporting on XXXX   with incomplete payment history and as Charge-off with a balance. 

Please remove this account as your violation of the Fair Credit Act 611 as this information is inaccurate.

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 2021-08-13
Company: Happy Money, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, I applied for a debt consolidation loan through payoff.com. The loan was approved for {$22000.00} over 36 months. The loan came with a rate of 6.99 % and an origination fee of {$110.00}. A monthly payment of {$670.00} was set up for automatic deduction. I was told that manual payments were not an option. The first payment was due XX/XX/XXXX and then the due date was changed to the XXXX of each month starting in XX/XX/XXXX. Payments were deducted automatically on XX/XX/XXXX and XX/XX/XXXX. The problems began when on XX/XX/XXXX they deducted an additional payment of {$670.00} without my authorization or approval after having already deducted the scheduled payment for the month. This deduction had an impact on my bank account as it was not a scheduled or planned for expense. They were contacted and said that it was an error on their part and that they would refund the amount, which was refunded into my account on XX/XX/XXXX. Their website continued to say that my next payment date would be on XX/XX/XXXX after the date had passed and the payment had been made. I had concerns regarding their business practices and called to followup.I called on XX/XX/XXXX at XXXX and XXXX, and then received a call back at XXXX. During these calls there was discussion on the fact that I was mischarged again and that I was concerned regarding my upcoming payment as it still said the XX/XX/XXXX was my next due date. They assured me that it was an error and they were working on it and that my account was in good standing. On XX/XX/XXXX I received a text message saying that my payment was now past due despite all these conversations and my concerns that were shared. I called them on XX/XX/XXXX to discuss that I had received this alert and could not get an answer and was told I will get a call back and never hear back. Not only have they now impacted my bank account by taking unauthorized payments they are now impacting my credit history through late payments that are not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: AES/PHEAA
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
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 am paying on several school loans, I thought this loan was paid off. The company did not reach out to me with any late notices. I noticed my credit was effected in a negative light. So I found out my loan was not paid off. Before and after this incident, I have no other non payments. I asked them to take this off my credit report after i was current. The delinquent accounts were in XXXX, XXXX, XXXX, XXXX of XXXX. I asked if I paid them if they would take them off. My credit is very low because of this school loan. Company Name is FEDLOAN servicing.

Company response to consumer: Closed with explanation