BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-10
Company: Experian Information Solutions Inc.
State: CA
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 reported 5 missed payments to the credit bureaus for months XXXX through XXXX of 2015. This loan account was initially opened with XXXX and at a different point sold to XXXX. I, the borrower, was never notified of the sale. When payment became due for this account, I believed letters from XXXX regarding payment and balance were fraudulent. After some research several amounts later, I discovered that loan had been sold without notice to me. I reached out to XXXX by letter and the credit bureaus to resolve this issue. XXXX responded to say the reported information was accurate and they were not at fault for lack of communication/notification. The credit bureaus said they reported what they had received. 

All payments to this lender since the time of my discovery have been made on time in XX/XX/2015. I would also like to add that from XXXX to XXXX of 2015 I made payments totaling {$730.00} to show I was attempting to correct a problem I didn't create.

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from 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 explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
LISTING : XXXX XXXX XXXX $ 600- {$670.00} BILL ( amount changes ) - more recently the amount was below {$200.00} Dear sir or ma'am, I have a balance billed XXXX XXXX  that was paid by insurance and verified multiple times through uploading my medical records, that is still on my Experian report and still ruining my credit.

I've provided a plethora of information uploaded including insurance documents.

It is only on Experian, and that is because the other two bureau 's are handling my personal information correctly.

Experian, you need to handle this and look after the consumer. I pay you. for your services and you won't budge on this. I submitted a receipt of the insurance benefits where it was paid! I have sent you enough documentation that it is borderline outrageous.

This debt was reduced in Experian to under 200 dollars, which I have proof of attached. It is back at XXXX now. Clear proof that neither the CA or collection agency knows what to do with a collections that is moot and ruining my credit.

Now I have visual proof of the amount changing, This is being reported incorrectly, immediately delete this from my credit report and stop damaging my credit.

This is causing other hardships as well,. You're prompt attention and detail to this is appreciated.

Please delete the information as quickly as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
hi, I have had 8 inquiries in the past 2 days from banks that I did not authorize to pull my reports many are double inquiries 2 days apart. This is crazy and I want this resolved please. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXXY XXXX, XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX    XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-03-10
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX a charge from XXXX was to come out of my account in the amount of {$280.00}. JP Morgan Chase bank stated that even though my account showed positive it was actually made negative by this transaction. I manually paid this through XXXX XXXX   app and Chase is saying because XXXX has it listed as a recurring payment that it was authorized this way instead of a debit same day transaction. I never authorized XXXX to setup recurring payments the bank manager said that it was because I stored my account on the website it gave them permission and they could take any funds out my account. I was charged an over draft fee not only because of this but because the banks mobile app was not working properly. The bank has pretty much told me that it's not their issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My issue is with XXXX that since XXXX I have requested my records and noted verified that yes the account/ debtvdoes belong to me. However, my dispute is with XXXX that it as been 5 years as of XX/XX/XXXX that that you are still reporting Bank of America that was last reported XX/XX/XXXX. My question and complaint is why is it that XXXX not remove this record that is past the statue and if I'm not able to not send an explanation?

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 2018-07-02
Company: Ameritech Financial
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted Ameritech Financial in XX/XX/2016 per a piece of mail delivered to me stating they could help me repay my loans and ultimately reach loan forgiveness. I spoke with a representative named XXXX XXXX who walked me through a 2-hr phone conversation in which he assuaged my loan anxieties, stating the company would have me pay rates which would reduce over the course of 10-15 years that were based on my income. I initially paid something like {$100.00} and thereafter have been making payments of {$82.00} for about 2 years. The company led me to believe that my payments were investments to pay off my loans and that the government couldn't really help me like they could. I recently received a letter from the Federal Trade Commission detailing a law suit made against this company. Thus, I am filing this report. I am currently waiting to hear back from Ameritech to cancel my account and demand a refund. The number listed on their documents is no longer in service. I called them using a number on my voicemail ; they had called me on XX/XX/XXXX telling me I needed to sign a contract to approve debits. I did so. I have, up until this moment, felt comfortable with Ameritech because once I settled business with them, I would receive monthly emails from XXXX XXXX XXXX XXXX stating that I owed them {$0.00}. Since gaining this knowledge, I called XXXX XXXX who explained the fraud taking place in the same words as the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As a result of the COVID-19 pandemic, my mortgage company placed a notation on my credit report that it was in forbearance and the Credit Bureau Equifax lowered my score by 35 points.This goes against the Governments statements that no one would be effected in a negative manner as a result of the pandemic. How may I get my score back to it's previous level?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of identity fraud. I placed credit freezes and took the appropriate action. Someone was able use my information at XXXX. This was a hard inquiry on my credit. I called them immediately and let them know my identity was stolen. They would not remove it or refer me to a manager. I called Transunion and faxed my police report and hey would not remove it either. This inquiry is from XX/XX/XXXX and I am still fighting it.

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 2020-05-13
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I not receiving my benefits that XXXX, & Unemployment are sending me can not seem to talk to anyone about this matter it very frustrating when u have money and can not get to it. The name of this Bank is KEYBANK all cards have the same # `s XXXX! Need help obtaining my money. When calling it leaves u on hold for hours and thats not fair to me and when they pick up they hang up. So please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The problem began back around XX/XX/XXXX when I noticed charges being put on my account that I never authorized in result to maxing out the card. Month after month went by and I was assured the problem would be fixed since my card number was compromised. After receiving new cards the charges still was being forwarded over to my new cards I was still receiving the same excuses. I was assured the issues was taken care of and I wouldn't have anymore problems after around 4 months. I'm still making payments on this account and have never used the card which every month the card amount has never went down and still is maxed out.

Since XX/XX/XXXX Synchrony bank picks and chooses what amounts posts to my account. 2 payments are missing from being posted. Since XX/XX/XXXX I have received a {$38.00} late fee each month claiming non payment, when amounts would be taken out of my account.

Since XX/XX/XXXX I have sent in dispute letters which have all been ignored. I have also included in the letters to cancel the card, I also provided the bank verification of transfer of funds which as never been corrected, etc.

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 2020-05-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My payments are automatically sent to LoanCare every month. In the beginning of XX/XX/XXXX, LoanCare did not credit my account with these payments.

I called LoanCare and the representative found the error in the administrative system. He indicated that the payments were applied to XX/XX/XXXX rather than being applied to XX/XX/XXXX. He said he would fix this error. He said he would refund the fees that were charged and call me back to assist with a dispute made through XXXX. I never heard from him again. 

I was charged late fees which need to be returned to me. I also filed a dispute with XXXX regarding my credit rating. I have heard nothing from Loancare. This error has taken a huge hit on my credit. It needs to be resolved. 

PLEASE SEE ATTACHED : Screen Shots showing payments made to LoanCare, detail of XXXX payment, XXXX 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 explanation
Consumer complaint received 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-05-12
Company: American First Finance, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last year in XXXX, I bought a piece of furniture from XXXX XXXX XXXX and the total price was {$2200.00}. The store put me in touch with a lender, called American First Finance, to finance the furniture. Now, my credit is good and I could have obtained financing elsewhere but they unduly influenced me to go through their lender. So, I did not realizing this was not a typical financing agreement ... instead it was an oppressive lease-to-own, which I would have not never agreed to had they disclosed and explained all the terms clearly. 

I have been paying religiously every 2 weeks {$150.00} for the past 8 months. As I have now paid over {$2800.00}, which does not include the initial processing fee of {$53.00}, I called the store repeatedly in XXXX to get a pay-off amount ... they were not helpful. I finally physically went to the store and that is when I found out that to pay off the debt I would need to pay a total of over {$7000.00}. Now, how can this be legal? This is unfair, deceptive, abusive, undue influence both from the store and the lender, American First Finance. 

I told the store they could have their furniture back, even though I would be at a loss of near {$3000.00}. But, they said that is not an option. And all of the sudden, the store claims that they have nothing to do with First American Finance. I have attached the transaction report that I requested and obtained from First American to show how unconscionable this deal is. I beg the CFPB to investigate this company and do something. I am a working parent supporting a family of 6 and it is not fair for this company to attempt to extort me like that attempting to charge more than 3 times the value of a furniture in the span of 8 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: CA
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:
well on the XXXX credit card and the XXXX XXXX buy back card I am no longer an authorized user I was removed from those accounts but on my credit report its still showing I owe a balance when Im not an authorize user, also XXXX XXXX XXXX is still showing open when this account was paid in full and closed but the account is still showing open when it should be closed 2 years ago.

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 2021-03-25
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX 2017 I was a victim of identity theft thru my driver 's license. XXXX XXXX was the only company not to dismiss the debt. The amount of {$1900.00} has been passed around numerous Debt Collectors that dismiss it themselves. I have had to take action for over 3 years and XXXX XXXX has never stopped. XXXX also didn't not give me any details under their dispute investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Check Smart ran my check through the bank on XX/XX/2018 for {$470.00} after a collector in at the corporate office Community Choice Financial advising me that they were going to set me up on a payment plan on XX/XX/2018. They refunded some overdraft fees, but not all. The check went thru my bank on XX/XX/2018, and they still have me in a database with XXXX that says that I have an outstanding loan for {$400.00}, even though I have emailed my banking statements to them, per thier request on two different occasions. I have received a Paid In Full letter on Friday, XXXX XXXX but they still havne't taken me out of the XXXX database which prohibits me from dealing with anyone else that utilizes the XXXX database. I spoke with them today, and was advised that they submitted a request to refund the remianing {$12.00} that they owe me. However no information can be provided to me as to why I am still in the XXXX database 13 days after they were paid in full. Thee people involved are the original collector that I spoke with on XX/XX/2018, but I don't remember his name. The other people involved are XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX was involved, but she is the only one that has truly tried to assist me by emailing me a Paid In Full letter on XX/XX/2018. However, no one seems to be able to give me any information as to when I will be taken out of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 i disputed said debt with Experian credit bureau and to this day have not received any verification that the debt is valid, which now is beyond the the 60 days beyond the FCRA. The Fair Credit Reporting Act states that the debt must be removed from a consumers fico report if the debt can not be verified or validated within the 30 day investigation period.

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 2021-05-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I hope this document gets to the right department. 

I have been working in a short sale since XX/XX/2020. 

Now I just received a {$9000.00} water bill for XXXX XXXX thru XXXX XXXX and the property has been vacant since XX/XX/2020 no tenancy. 

Since the Covid-19 Disaster my tenants moved out and now theirs a {$9000.00} water bill and if I dont get this removed. 

My short sale is dead. 

I did my best. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 did not open or authorize this account, and I therefore request that it be closed immediately The accounts are listed in the attachments.

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 2020-11-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
These are not my accounts. I have never lived at the address where some rental place is saying. I am a victim of identity theft. I have provided my personal documents with my information and I can assure you that I am not a mortgage company nor am I a credit repair company.

Company response to consumer: Closed with explanation