BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found a Collection company called XXXX XXXX XXXX XXXX on XX/XX/XXXX on my credit report stating that I owed a bill from a XXXX from 7 years prior. I have never been contacted by the XXXX about a bill being owed previous to XX/XX/XXXX.of any kind, so the next day when I got to work, I called the collection company, Choice Recovery and asked them about  the bill. They had a wrong address, wrong phone number, personal and work and had duplicated the bill twice on their records, which she said she removed one of the bills ... both were for the same date and amount. I begged her to take this off of my credit report since I had been working for a year to build my report up, but she said there was nothing she could do and I needed to just pay the bill. I paid the bill immediately just to get rid of it, hoping that my credit report could recover. That was on XX/XX/XXXX, and the bill is still on my credit report, which I have called them back and called XXXX and XXXX XXXX, but to no avail. HELP!! XXXX said they had asked for verification from the collection company but had gotten no response as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: BMW Financial Services NA, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Somebody open a credit card fraudulent in my name I have police report and notified and they still report it to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a very difficult time dealing with XXXX ( subserviced by Loancare ). My account has always been current ( no missed payments ). First, they transferred my servicing to Loancare and didn't make it clear when/if my autodraft would commence. Apparently it would not commence in time for the XX/XX/XXXX due date and so I wasn't aware my XX/XX/XXXX payment did not go through as a result. I went to the website, which was down and inaccessible. I called their customer service to make a one-time payment and set up autodraft. Then, when the website was back up, I was unable to find a record of the one-time payment. So I initiated a one-time payment myself on XX/XX/XXXX. Then, a few days later, my one-time payment and another one-time payment went through, effectively causing my account to be drafted for two payments at once. At this point, I want to have my autodraft suspend the XX/XX/XXXX payment since I am paid through to XX/XX/XXXX. However, the website is telling me that I can not access the autodraft information online. Just a week ago, I was able to. I do not have time to keep calling Loancare/XXXX to fix problems due to their sloppy website and communication with borrowers.

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 2017-11-30
Company: Experian Information Solutions Inc.
State: OH
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:
Upon looking at my credit report. I noticed that the following companies have placed credit inquiries on my credit without my knowledge or consent. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX I have spoken with the companies and Experian and informed them that I am a victim of identity theft and did not make these inquiries. The credit bureau is not helping me resolve the issues. They are not providing any evidence that the inquires were made by me.

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 2018-03-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX with the amount of {$2100.00}. I started paying on this debt XX/XX/XXXX. Current balance is {$1200.00}. I have disputed the balance on my credit report. They launched an investigation in which the debt collector stated it was correct balance and still owed {$2100.00}. I then reached out to debt collector in XX/XX/XXXXand XX/XX/XXXX asking to send me a copy of the balance and to update the credit report. I called numerous occasions in XX/XX/XXXXand have not heard from them. I then reached out to all three credit bureau also sending in my proof which shows current balance. Attached is the balance I have after payment was made 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 2018-10-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sirs/Madams of the C.F.P.B. So it's been 15, years from XXXX, this day since I've been received request for collection from all kind agencies in U.S. to collect for merchants name WAMU and now on XX/XX/2018, from the Debt collection XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX, phone XXXX and now added with this Chase Bank claiming that I owed them {$6800.00}, for what? I don't know because that I have never had any account with these banks, which caused on XXXX that I wrote 5, letters to that WAMU merchant/bank asking them to provide me with any applications or forms filed with my signature ( documents ) regarding to they allegations, but never had any answer, but still receiving these threat of seizing my property/ bank account, or going to my employer for collection, so makes that a very terrible threat, and caused me so many stresses, some times even leveled up my XXXX disease 's problem to a XXXX level, and especially for mess up my credits and prevent me getting even a job, and caused me now to be unemployed to this day. Which caused that I've filled this complaint against these merchants WAMU/Chase Bank to show any evidences that they have to me and to XXXX XXXX XXXX in supporting of their claims as fast as possible, or remove me out of their collection, please every responses to me or to XXXX XXXX XXXX and must be in writing all documents. 

Respectfully submitted XX/XX/2018 XXXX XXXX Claimant Phone XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Tranunion refuses to report up to date balances and account status of my report. I have contacted them, multiple times, letting them know that the balance that they are reporting and the late payments are incorrect but they do nothing about it and it is a pure violation of my rights as a consumer.

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 2021-09-11
Company: Adler Wallach & Associates, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed with credit bureaus three times to remove without success. I have also reached out to AWA for removal and no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought a house on an FHA mortgage back in XX/XX/XXXX. It was a 30 year fixed loan from XXXX XXXX XXXX. Around a year and a half into my mortgage, it was sold to Mr Cooper ( then Nationstar Mortgage ). 

Nationstar is saying that my 30 year loan started when it was resold to them, not at the original time the loan was taken out. That's around a {$15000.00} difference in payment schedules. 

I have all the original lending disclosures from XXXX saying my last payment will be in XX/XX/XXXX and Nationstar is saying that my last payment will be in XXXX or XX/XX/XXXX. That's a HUGE discrepancy that I would like to correct. 

I tried to tell Nationstar that it was wrong and they said I'd have to call XXXX  XXXX XXXX, who bought XXXX. I tried calling XXXX XXXX XXXX and since I'm not a current customer, they won't tell me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: AMERICAN EXPRESS COMPANY
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
American Express Fraud Can not contact institution Identity Theft Cell ported number Bank Fraud Negotiations with Impersonating American Express representatives contact/email/chat Fraud Fraudulent XXXX Charges No dispute adjustments XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing today to notify the CFPB about an issue that is related to Identity theft. I have notified the collection company, and they have failed to comply with my request. Im now in the process of filing a lawsuit against the offending company. I have all supporting documentation, and will upload the police report as well. Please take all necessary steps to have this information removed permanently, and notify me of all findings.

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 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
As of XX/XX/XXXX, TransUnion is reporting on my credit report that I had a XXXX credit card from XX/XX/XXXX-XX/XX/XXXXthat is status " Charged Off ''. However, when I call XXXX, they confirm they have no record of me and that I have never had an account with them. I filed a " dispute '' with TransUnion but their investigation result is that the account status is " verified and accurate. '' XXXX did not have this account listed in 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 2017-11-29
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I was at the car dealership for about six hours. I had bad credit and I was looking into buying a new car. They eventually found a lender who asked for many different documentation types than I 've ever had to provide and, after being exhausted from being thrown numbers and needing to get home to my kids, I ended up with a car that had a purchase price of {$26000.00} that I put down {$3000.00} cash AND a trade in of a car appraised at {$15000.00} and my payments ended up being {$530.00} with a XXXX XXXX interest rate. That was adjusted after the fact as well. My debt to income is highly maxed and beyond and I am now stuck in a loan in which I can not get refinanced due to the inability to keep up with the payments and their customer service being horrible. I had explained that I had medical issues and I just wanted to find out how to get caught up. That apparently was not good enough and I was told I was being too " vague '' about my situation. They had already repossessed my car and I had never received a right to cure notification. At one point, someone told me that it had been returned but another denied the statement. I feel that this company, who seems to have already settled a claim in New Jersey and another state, for this same time of practice by extending credit to those who they know are unable to make these payments combined with a highly pressured sales tactic targeted to those with bad credit looking for options. I 'm not looking at losing my car and had a decent credit score before buying this car. I want out of this loan but have no options and am now paying for the repercussions of this loan signed almost in duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: MT
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 filed BOTH a police report with XXXX Police Department AND a FTC Identity theft report. Equifax is still refusing to remove a fraudulent inquiry from an account obtained via identity theft. I will be attaching my FTC Identity Theft report. I will follow up with the XXXX Police report ALSO as soon as they give me a copy. I already filed this and CFPB said it's fine to keep inaccurate identity theft on my credit report. IT IS NOT. IT IS ILLEGAL. I am providing the FTC report. Then I'm suing under fair credit reporting act. You now have a law enforcement report. Failing to remove now is malice. I'm entitled to {$1000.00} summary judgment if you choose to break federal law again because now I can prove malice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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: Information belongs to someone else

Complaint:
I don't recognize this account, i have never applied for this, i'm not responsible for this debt, with this company i have no contracts or agreements with my signature.

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 2018-03-22
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN 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 2019-05-22
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Ive had the Walmart credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time.

Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed, but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in, and not use the card, until it was paid in full. Consumers are always told to stay in touch with the creditor, and I did. They kept on assuring me that I was doing the right thing by staying in contact with them, sending in payments even if it didnt cover the monthly amount, and that my card would not be cancelled.

A few months after I had gotten my balance down to XXXX, and paid off everything ( even the late fees, etc. ), they send me a letter that they cancelled my card. My credit score was climbing back up, and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create.

They lied, their business practices do not keep the consumer in mind, and something should be done to them!

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 2017-12-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX IL has reported monthly that I am late with my payments. I want this removed from my Experian report. I am in a chapter XXXX bankruptcy and XXXX XXXX is in my package to be paid thru the trustee. I have several other accounts listed in my XXXX and no won else has reported negatively on my credit report. You know why because it 's against the law to report negatively when your listed in a chapter 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 2019-04-17
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an bank account with Suntrust bank for over 20 yrs. i went to use my debit card and it was declined i called bank to find out they closed my account and i would be receiving a letter in the mail. I had over 12k in my bank at the time of closure.After receiving the letter it stated i would receive my funds with in 30 days of the letter sent. Total 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 2021-09-11
Company: REMAX
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I filled out an application for rental with Re-max Advantage in XXXX, XXXX. I was denied a rental based on the information from XXXX XXXX stating I had no prior rental history. The agent there XXXX provided me a denial of housing based on my rental history and kept my application fee. I requested an XXXX XXXX  statement because I have no priors of a bad rental history and my credit score is excellent. I got a denial letter with fraudulent information that could be damaging to my rental reputation with companies using XXXX XXXX in the XXXX or surrounding areas. I had my credit pulled in search for housing from XXXX, and the credit report pulled my correct rental history and credit score over XXXX in the last month. The letter sent about my rental history is completely inaccurate compared to XXXX and XXXX. My credit listed on the XXXX XXXX  you sent is displaying a XXXX, so it's hard to believe that I would have a bad rental history with that score. I spoke with my old property manager and was that no one contacted the property for verification. I also provided Remax Advantage with copies of my recent credit report. There is a rental listed on my application from a property XXXX XXXX, XXXX XXXX  that I've never lived at per XXXX. I recently relocated from XXXX, XXXX  and resided at a property there for 4 years that was not listed on the report. I filled a complaint with XXXX  against Remax Advantage, provided them with my most recent XXXX report and was still advised my rental application was denied based on my rental history from XXXX  XXXX  visibly showing different on my XXXX report. I would like my application fee of {$75.00} returned back as well. I provided accurate information about my last 3 year rental history with Remax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have written to you before about Paypal 's deliberate withholding funds generated by XXXX sales, claiming assurances to provide to buyers and securities if postal services fail. YOU HAD FAILED TO RESOLVE THE PREVIOUS PROBLEMS AND CLOSED THE CASE WITH A {$2500.00} FINE WHJICH PAYPAL HAD NEVER PAID!!!! 
Now they claim another reason of holding my funds eventhough buyer had received the purchased items, and the postal service succeeded to deliver the goods. 
THE NEGLIGENCE OF PREVIOUS FEDERAL EMPLOYEE DID NOT RESOLVE THE PREVIOUSLY STATED PROBLEM AND THIS COMPANY LOUGHING BEHIND AN INCOMPETENT, USELESS FEDERAL PROCESS!! 
Behind this second complaint, I am turning to my senators for assistance and scrutiny of the previous employee and this organization! 

XXXX XXXX

Company response to consumer: Closed with explanation