BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account had previously been deleted from my credit report because it was reporting in error. Moving forward to present day, apparently this account has since been re-aged and sold to ANOTHER collection agency. This is a violation of the Fair Credit Reporting Act. I have long since closed this account and during that period of time I made arrangements for the company to pick-up their equipment following the guidelines outlined by the company to return equipment. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-04
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:
XXXX ; XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account had previously been deleted from my credit report because it was reporting in error. Moving forward to present day, apparently this account has since been re-aged and sold to ANOTHER collection agency. This is a violation of the Fair Credit Reporting Act. I have long since closed this account and during that period of time I made arrangements for the company to pick-up their equipment following the guidelines outlined by the company to return equipment. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-01-15
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Attempted closing my PayPal account on XX/XX/ via web site ; spoke to Customer Service agent on XX/XX/ ; Customer Service cited that account could not be closed until 180 days after last transaction *however* could not direct me to the terms & conditions of my account ( online or otherwise ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: CITIBANK, N.A.
State: WA
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:
Citi switch monthly billing to emails which my email block them as spam it took over a year to get billing switched back to paper billing, I should not be penalized as i was not receiving billing information

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 2018-05-06
Company: Marlette Funding, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a 36 month personal loan with this company in XX/XX/XXXX for {$10000.00} to consolidate my debt. The information I received in the mail stated the APR would be 5.99 %. On XX/XX/XXXX, I received a EFT deposit of {$9500.00}. They withheld {$490.00} for their service fee. My annual APR is 25.99 %. XX/XX/XXXX payments are {$400.00} per month. ( Principal {$270.00} + Interest {$120.00} ). I am 2 months ahead in my payments. The last statement I received, stated my next payment is due  XX/XX/XXXX. Over the course of 36 months I will repay {$4500.00} in interest plus the initial {$490.00} service charge, for a total of {$5000.00}, plus the loan of {$9500.00} = {$14000.00}. I sent an email to their customer service dept., requesting that they review my payment history with them and consider lowering the interest rate, as I am not a credit risk. I received an response stating that I would need to call customer service, since they do not discuss private information via email. I called the number and spoke to man who politely explained that I would have to speak with their customer service dept. and transferred the call. I then spoke with a girl who sounded as though she was a child and clearly did not want to listen to me. She bluntly told me that WE ABSOLUTLY DO NOT Negotiate interest rates and I could make additional payments to reduce the loan. I thanked her and hung up. I am not asking that they change me no interest, I was asking if they would lower the interest to a more reasonable rate, since I am in good standing and have proven my ability to repay. I was misled by the initial paperwork I received and that this company clearly takes advantage of the public. I am paying back over 50 % in interest and processing fees. This is unacceptable and other consumers should be warned of this scam. A person should not need a magnifying glass to read the fine print, it should be clearly spelled out for them. I believe these business practices to be deceptive and misleading and this company should be held accountable for the people they have taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: United PanAm Financial Corp.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Collector discussed the debt with my wife without my permission. They went as far as offering her a settlement. My wife is not on the debt with my in fact my ex girlfriend is. They also did not verify my wife 's identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Applied Data Finance, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for a loan for {$3500.00} through XXXX XXXX in XX/XX/2018. My payments are {$140.00} biweekly. To date I have paid over {$1800.00} on time. However, my current balance is over XXXX which is over the amount I borrowed. I am being told that my interest rate 98 % and if I pay according to the terms of the loan, I will pay out over {$10000.00}. I want to pay what I owe plus a fair interest rate for someone with my credit profile but I am not able to comply with the current terms of the loan. I need assistance in making sure that XXXX XXXX is fair in their loan terms and updating the current terms which are clearly predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was trying to make apply for credit to make a large purchase and was denied due to a collection from Wakefield & Associates reporting on my credit report. I was unaware of this debt until I applied for credit, was denied, which I then went to pull my credit report and saw a collection that I was unaware of. I never received any communication regarding this debt from Wakefield & Associates nor the original company that owns the debt. I don't even know who the original company is that owns the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For the past two to three weeks I contacted my mortgage company PHH mortgage regarding forbearance due to financial hardship related to COVID-19. I have requested a forbearance under the Chapter 65 of the Acts of 2020, An Act Providing for a Moratorium on Evictions and Foreclosures Act. I spoke to over 14 different agents, and every agent was unable to assist. Each agent told me that they were only offering a forbearance that i would need to pay back in three months. I requested for the payments do go to the end of the loan agreement as stated in the Chapter 65 law. Every agents stated that they knew nothing about this law and could not help me, then directed me to speak to another person, then that agent directs me to another person, and for the past 2-3 weeks there has been no resolution. Not one agent looked into the chapter 65 law or helped to resolve this problem. Every agent told me that I can have a forbearance, but will need to pay the total back in 3 months. I explained during every call that the law that was passed two weeks ago states that I have the right to a forbearance due to financial hardship because of the coronavirus pandemic. This law also states that any amount owed at the end of the forbearance will be added to the end of the loan term. I would like assistance and review if this law. 

The PHH mortgage website does not reflect any new rules. They tell me they do not know anything about what was passed, and they can only approve forbearance with paying it back three months. I do not what else to do.

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 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XX/XX/2018 I went to XXXX XXXX to purchase my first car. I specifically told the sales rep thst I did not want my credit pulled more than one time. However the following companies pulled my credit without written authorization : XXXX XXXX XXXX XXXX XXXX XXXX & at 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 2019-04-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been in business with Chase for a long time and never had an issue with the payment on credit cards. One they they decided to reduce my credit and closed my business credit account. I called them and talked to them about it. They explained that they were reducing my credit because of my debt ratio. I explained that if your going to charge me for all of my mortgages should should add the rental income to the mix. They refused. At the time my credit score was over XXXX. When they closed my business account my balance was XXXX. A few months later they said I didn't pay a bill on the business account for some interest that was added after they closed the account. I explained that they closed the account and that I was never notified I owed the money. No statement was received, no phone calls nothing. They issued a late payment to my credit and it has put my credit down 50+ points. I called them and paid the bill but still my credit was damaged. If you check I have been with them for years and I can not remember ever being late. They will not take the late payment charge off my credit report and they treat a long time member with no respect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My idenity was compromised while I was overseer serving in the U.S. Military between XXXX - XXXX. During this time XXXX XXXX and XXXX XXXX but a unauthorized hard inquiry on my credit report. I have included the dates below. I have never authorized XXXX XXXX or XXXX XXXX to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX   XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX NXX/XX/XXXX 10. XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2017-11-27
Company: Exeter Finance Corp.
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to test drive a XXXX XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit scorXXXX. The company is requesting that they be removed and now I 'm asking that they be removed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/2018 I went to XXXX XXXX to purchase my first car. I specifically told the sales rep thst I did not want my credit pulled more than one time. However the following companies pulled my credit without written authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name is XXXX XXXX, I bank with Bank of America. My father sent me a XXXX transfer of {$100.00} on XX/XX/2019 to cover all the transaction for that date. I received a confirmation text that the account will be credited. I checked my account today ( XX/XX/2019 ) its not credited. I incurred overdraft fees because of this. I called bank of america, the representative said its a bank error that they did not get the funds. He said it will take 3 to 5 business days. But XXXX is instant and my father sent me money before through XXXX. I did not received ant email or text that the funds will be delayed. What I received is a text confirming the XXXX transfer. Usually whenever i received a confirmation text the funds is there.

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 2020-07-29
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: Information is missing that should be on the report

Complaint:
Today XX/XX/2020 I received notice that XXXX XXXX XXXX XXXX removed 4 satisfactory accounts off my credit report. With them deleting this good information caused my score to drop significantly. I want this information reporting due to the fact they are loans that I paid off in full. I am uploading proof of the information that these accounts were deleted

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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-04-27
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2018 my husband and I bought a car in XXXX  XXXX XXXX. 
They run our SSN through several financial companies without our authorization, finally the only one that approved the loan was Westlake Financial Services. 
After a few days, we received the account information to setup autopay and we realized that my SSN ( XXXX XXXX ) was wrong, immediately I send them many e-mails reporting this problem and also making several calls to fix it but they refuse. 
Info : Westlake account number XXXX Our info : Main = XXXX XXXX SSN -- - -- XXXX ( reported OK ) Co-signer = XXXX XXXX SSN -- - -- XXXX ( they put another SSN ) So they never report my on-time payments to Credit Bureaus and my score shows no activity yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/2018 I went to XXXX XXXX to purchase my first car. I specifically told the sales rep thst I did not want my credit pulled more than one time. However the following companies pulled my credit without written authorization : XXXX XXXX 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 2020-07-29
Company: Continental Services Group, Inc. d/b/a ConServe
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 recently got a copy of my credit report and I noticed some errors on them. There are collections accounts that does not belong to me. I tried contacting the collection agencies and the credit bureau ( all three ), and has them to send me copies of any documents bearing my signature. They only verified them through e-Ocars and NOT a physical person according to the FCAR 609 ( e ) Please your assistance is needed to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Signed agreed order to bring mortgage current. 
Paid all attorney fees Paid all late fees Paid all agreed and keep mortgsge current. 
This is the agrred order that was signed by both parties and signed by the chapter XXXX Judge. 

I have been done everything as I agreed to but the mortgage refisrd to report my credit to Reporting agencies.

Refuses to rven look at refinancing, this Shellpoint mortgage has consistently gendered my attempts to ask for help getting this done.. 
Making it impossible. 
I need help. If so done could just look at what this company has done and homd out if their way to make it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time XXXX XXXX XXXX and XXXX  XXXX XXXX   XXXX put several unauthorized hard inquires on my credit report. I have included the dates below. I have never authorized XXXX XXXX or XXXX XXXX to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

1. XX/XX/XXXX 2.XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. 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