BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: Allied International Credit Corp., (US)
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in the mail from Allied International credit Corp. They claim that I owe {$100.00} from XXXX I have only ordered once from XXXX 3 years ago and that was paid on time. I checked with XXXX and I have no outstanding debts. This is a Scan. When I call the phone number I received a message saying that the phone Is no longer accepting messages and I should just pay online. Their phone number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: LOBEL FINANCIAL CORPORATION
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:
The vehicle was repossessed in XXXX of XXXX from a tow yard. For 6 months after that, I recieved parking tickets in the mail from them driving on my plates. Now they constantly change the status of my loan on my credit report, they agreed to close the account but mysteriously this month I recieved a " missed payment '' ding on my credit. The dates on this account are so wrong its laughable. It was taken in XXXX of XXXX, why would my last payment be in XXXX of XXXX? I've repeatedly disputed the information on this account with ZERO help. They never update the incorrect information, they just add more incorrect information. I'm at my wit 's end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep getting hits on my credit from ATG Credit LLC. I disputed the collection twice through the XXXX  app first on XX/XX/2020 then XX/XX/2020. And my reason for disputing it was because I paid off the debt. Each time they removed it. And after that, I contacted them in XXXX once they yet again tried to add it to my credit again. The person I spoke to was very rude and said they would reach out to the place in which I went to get the medical services then ended the conversation with me. Which resulted in them taking the collection off of my account for the third time. This is the FOURTH time they have put this back on my credit. And when I contact them they always want my full name, social, address, email, and phone number. I feel highly harassed by them at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Key Bank credit-card customer service stated XX/X/17 my card had been "blocked" - that a "block" had been put on my credit card but could not explain why and/or the reason for this. Key Bank credit-card customer service also stated that in order to receive my new credit card (with new expiration date etc.) I must pay my entire overall balance in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was showing open for the longest on my credit report. This account now shows closed, but with a XXXX balance. I have no contract with this company verbally or written. I do not do business with this company and it should not even be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, INC.
State: AZ
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:
Equifax and XXXX  are showing on my credit report a negative impact a termination of a car lease agreement ( that ends XX/XX/2020 ) on my credit. According them the information that XXXX provided is the information that they have, that I am delayed 30 days. I contacted XXXX and they said that there is no balance and they have sent the correct information to the different credit offices. 
This is causing a big problem, since my car insurance took this in consideration for a policy on a new car that is starting in XXXX and the price is really high. A credit card ( Master Card ) sent me a letter that the account is closed because I am showing a delayed payment. 
I paid last month my credit cards and current my credit card usage is 7 % and I didn't receive positive points. 
They subtracted points from my credit score .because the XXXX payment ( XXXX ) is past due which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is an account reporting on my XXXX  and Experian that is past the statue of limitations yet this XXXX XXXX continues to report it as a collection account when it was charged off with XXXX over 7 years ago. They continuously report an aged account and that is against the FCRA! This is absolutely insane and they report the account as being past due of {$45000.00} and balance of {$130000.00} if the account is a charged off account then how could the balance be any different than the past due?

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 2020-06-05
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I requested that Remitly send {$25.00} to XXXX XXXX In XXXX 6 days agoXX/XX/XXXX. Money is not available and no one is able to help. They just say wait and see.Numerous chats have produced nothing. 
My name is XXXX XXXX. They claim its not their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Ad Astra Recovery Services Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AD ASTRA RECOVERY SERV is stating they attempted to contact me ; however, have NO support evidence to support their statements. Now, they are sending Certified Mail, which should be produced in the first attempt if that was the case. 

With that said, this account should removed off my report until I have the proper opportunity to dispute the information! This should not be listed as in " DISPUTE '' it should be removed and allow me to DISPUTE it as the Credit Act and Debt ACT allows. 

In addition, please provide Assignment of Debt with signature for the CEO of the company stating you have a right to collect this " alleged debt ''. 

Please reference response on the CFPB # XXXX as stated, now they are trying to send a certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After sending information to verify myself with my disputes ( XX/XX/2018 ), XXXX, XXXX, & Transunion, in concert, have failed to investigate or respond to issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am the 3rd part Listing Broker for XXXX & XXXX XXXX. 
Since XX/XX/XXXX I have been trying to negotiate a short Sale with Lender Carrington Mortgage. Since then I have had multiple offers on the property and submitted them to Carrington Mortgage. Each time the offers where denied. From XX/XX/XXXX till about XX/XX/XXXX Carrington Mortgage finally sent someone out to look at the property. Please note this property Has been on the market over 300 days. 
The property needs much repair. 
My last offer was entered on XX/XX/XXXX. When carrington set the appraiser out he asked how much the contract price was. I told him he said after viewing the property that XXXX would probably be high price for this property based on the condition. 
On XX/XX/XXXX I called Carrington to check status of my offer and the value of the property as per the Appraisal / BPO I was told the value was XXXX. I asked for a copy of the appraisal this way I could show it to the buyer to see if I could work the offer up. I was no problem it would be emailed. Never got it. I called back on XX/XX/XXXX and was told that I could not see the appraisal / BPO. However a asset manager would contact me. I never got a call. On XX/XX/XXXX I got a message on the XXXX XXXX to upload the offer that was already sent to them in XX/XX/XXXX. Then about 1 hour later I got an email from XXXX that the short sale was declined. They did not even Counter the offer. I feel that Carrington is acting in bad faith and not helping in any way the borrowers to avoid foreclosure. Not Providing a copy of the appraisal / BPO is a violation of CFPB rules.

Carrington Mortgage is hampering me from doing my job. The appraisal / Bpo is a tool I could use to help get the buyer to that price.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: OH
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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately :  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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There are Misleading and Inaccurate information that are reporting on my credit report

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 2019-01-22
Company: Experian Information Solutions Inc.
State: IL
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:
After sending information to verify myself with my disputes ( XX/XX/2018 ), XXXX, Experian, & XXXX, in concert, have failed to investigate or respond to issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.

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 2022-10-05
Company: EQUIFAX, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. 

Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter.

Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked. 

I have listed the items on the document attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Missed loan payment, XX/XX/XXXX applied for Forbearance. XX/XX/XXXX Forbearance granted. XX/XX/XXXX Attempted to make all payment and cancel forbearance. We spoke to a customer service rep and made all past due payments, however due to his error of under charging us by {$6.00} our XXXX payment was put in a " holding account '' until we called on XX/XX/XXXX because account was still showing default online. XX/XX/XXXX Called and spoke with a supervisor that explained what had happened also again canceled forbearance and set up autopay for XX/XX/XXXX and all future payments. XX/XX/XXXX received an email that autopay is setup. Online account shows autopay setup, still shows account behind, also shows active forbearance. We sent numerous email message, called and could not get a live person, we even asked for a call from a live person with no response. Our credit is showing we are 7 months past due on our mortgage. XX/XX/XXXX We made an online payment because our credit union does not show a draft. We called and actually got a representative ( loss mitigation ) haha because we are calling about what they still list as a past due account. XXXX helps with problem assures us that account is current and transfers me to customer service for help with credit issue and letter for auto finance letter because XXXX XXXX has rescinded their offer on a car we purchased on XX/XX/XXXX due to " delinquent mortgage ''. Customer service XXXX states she can not help. I do have all documented email from loan care and rescinded offer from 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 2020-08-19
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Last year, within a 4 month period, I was approved for 2 credit lines through Synchrony bank. The first was with XXXX XXXX in XX/XX/XXXX with a {$500.00} limit, of which I used the entire amount. 
The second was in XX/XX/XXXX with XXXX XXXX, for {$1200.00}, of which I purposely used much less of the available credit to keep my debt to credit ratio in check. And in XX/XX/XXXX, knowing i was going to apply for another refi when the interests rates dropped again, with the purpose of bringing my credit ratio under 30 % of the available balance, returned one of the products I purchased from the vendor. 
I made the payments on-time for months for both accounts with no late payments In XXXX i received a letter that they were lowering my credit limits to within a couple of dollars of my outstanding balance on both accounts- due to the fact that I limit my own credit lines and try to pay cash for purchases, this completely wrecked my credit ratios, and has now affected my refinancing loan for my house AND is disallowing my business to be qualified for marketing with a consumer protection company that wanted to showcase me to a national audience. 

By no fault of my own I was subjected to financial damage by a bank that refuses to give me even a document I requested on company letterhead acknowledging my initial high credit limit to pass along to the financial professionals I am trying to do business with, and, as is stated in the recorded call with the Manager I spoke with, they used information that was READILY AVAILABLE at the time ( s ) I was approved for these lines of credit, as a post factum reason to cut my credit limit- as stated, had I known, specifically on the Sweetwater account, that this would happen, I never would have entered into this financial contract with them and put my credit score at risk to begin with. 
If I was at all a credit risk, they ethically never should have given me a SECOND - LARGER credit account and/or approved my for such a high limit based on the low amount of the purchase I made. To this day I STILL have not been late on a payment.

Due to the reckless disregard of this bank, their mis-furnishment of information to the credit bureaus, and by no error of my own, my family is now subject to a higher interest rate on my home, which is costing us thousands of dollars a year, and my business is suffering potential rejection from a consumer advocate and marketing organization that promotes businesses and financial professionals like myself on a nationwide basis.

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 2019-03-18
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
specialized loan XXXX I have contacted this company several times ... XXXX- XXXX all around the XXXX of each month. I keep getting different answers from each person. We are behind, but was on the understanding we were on a repayment plan. Now they are telling us they will only take money through XXXX XXXX or XXXX XXXX which is a huge inconvience. 

We had several deaths in family and basically fell apart. this is why we fell short. 

We did not ask to be with this company to begin with. Not impressed with SLS

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 2019-03-18
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: Public record information inaccurate

Complaint:
On my credit report says last update of discharge on my bankruptcy is on XX/XX/XXXX But the discharge date was 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 2018-04-11
Company: EQUIFAX, INC.
State: WI
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:
After having XXXX XXXX off my account back in XXXX, Ive realized Equifax failed to notify me within five days of re-inserting a previously deleted item. I did not receive any such notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been attempting to sell a home. The title commitment shows a company that is out of business. When I went to close it shows the original line holder of the primary and secondary loan to be Chase. One loan was charged off in 2009. This is a lien that Chase maintains. I attempted to satisfy the debt in full. Chase will now not speak to me and refers me to a servicing company called XXXX, who tells me the charged off debt is now XXXX more. XXXX now informs me that they have sent the file to a company called XXXX XXXX who is now in charge of discharging the debt. The debt is unfairly inflated and I am aware that there can be no penalties attached to charged off mortgage loans. Now they are preventing a sale for the second time of debt that is almost 10 years old. I am so you trying to sale the house fairly. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX  is reporting informating that is frad on there report and will not remove from 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