BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-23
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX I took out a loan/line of credit with XXXX XXXX the credit limit offered was {$1600.00} but I only took {$800.00} at the initial time. I made payments to the loan, but made some additional withdrawals, never exceeding the approved amount of {$1600.00}. Unfortunately I fell on hard times due to loss of employment and could not pay in XX/XX/XXXX. But XXXX XXXX is now stating that I owe {$4500.00} that is a difference of over {$2900.00} in fees. I received a letter from an attorney stating that I owed a total {$4700.00} and the letter from the attorney says my financial obligation {$3500.00} plus attorney fees of {$1100.00} that says now the total is {$4700.00}. I contacted the attorneys office advising that the balance was incorrect and asked for statements and a description of the amount owed. The attorneys office sent a print out of transactions that is " not '' on XXXX XXXX letterhead, and did not provide a description of charges and fees that they were adding to a balance that they are not the original creditor on. They did send however a " XXXX XXXX Flex Loan Plan Disclosure and Account Agreement ''. The attorneys office sent a letter and stated in the letter, " Since we understand that you do not plan to pay this obligation voluntarily, we will proceed with suit. '' I never said that I would not pay and the letter I sent them was to get the correct balance so that I could pay. I do not think that it is fair if they contacted and I responded for them to assume that I did not want to pay. I just am not in the position to pay the absorbent amount of fees being charged when the flex loan did not exceed {$1600.00}. I simply sent the letter to find out where the additional charges are coming from. I want to settle, but I do not feel they should try to sue me if I am willing to work with them. I called the attorneys office and they just keep saying the amount is accurate and still failed to provide me the info on where the additional monies are being added. One statement shows one balance and the attorneys letter shows a different balance. It shows two legal fees of {$85.00} and {$42.00}, but the attorney listed fees on the letter they sent {$1100.00}. I am still baffled as to where these amounts are coming from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 all reporting fraudulent accounts on my credit report. these need to be removed immediately. I have attached the copy of the police report for fraudulent accounts on my report. there are two accounts showing with the creditor being XXXX XXXX XXXX XXXX XXXX there are two accounts with the same balance which is {$310.00} each. One of the accounts is reporting from XX/XX/XXXX, and the other is reporting from XX/XX/XXXX. Please have all bureaus remove these accounts from my credit report immediately. thank you.

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 2022-11-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I hired a title company call XXXX XXXX last year. The owner name is XXXX XXXX. The buyers title company was XXXX XXXX XXXXXXXX XXXX. they wired the money to the mortgage company which is Chase Bank. However, the routing number was right but the account number was wrong. The wired transfer was intercepted and the bank never received their money. This has affected my credit report and the back is trying to foreclosed on a house that does not belong to me anymore. My lawyer and I made several attempt to rectify the matter but they have not done anything. I am looking to see if anyone can help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On evening of XXXX XXXX XXXX I sent a XXXX  payment of {$350.00} to a recipient I had previously sent funds to through Chase 's XXXXXXXX option several times. Immediately after sending the funds I realized that I sent the funds to the recipient 's old bank account even though it had a XXXX  XXXX  next to the number which is why I thought it was an active account, I called Chase 25 minutes later to ask for a reversal. Chase reps advised the funds already got processed, despite the transaction still reflecting " pending '' in my account up until 24 hours later. Chase reps XXXX stated that the funding to the recipient " failed '' and funds would automatically be returned to my account within 48 business hours. That never happened. Chase reps I contacted over the last week all have a different version of status of my claim, some stating there was no " failed funding '' ever noted. I asked Chase where my money was and I was told it hit the account I sent it, however they refuse to provide that banks name ir account number or any other proof, and they are refusing to return my funds. The intended recipient claims she did not receive the funds, because it is a closed and former back account. Chase claims they can't do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CREDIT ACCEPTANCE CORP is reporting a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX and XXXX are reporting a monthly payment of {$300.00} and XXXX is reporting {$0.00}. XXXX is reporting the date opened as XX/XX/XXXX and XXXX and XXXX are reporting XX/XX/XXXX.. XXXX is reporting date last active as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX and XXXX are reporting the date of last payment as XX/XX/XXXX but yet XXXX is reporting XX/XX/XXXX. Last reported date is being reported as XX/XX/XXXX, by XXXX as XX/XX/XXXX, and XX/XX/XXXX by 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 2019-02-23
Company: MONEY SOURCE, INC., THE
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our struggles with our mortgage company started about the sixth month we got our mortgage. My wife, daughter and I all started having health problems, which in turn caused us to have financial issues. My wife missed eight months of work and it caused things to spiral out of control even further. This company has been a nightmare. We have been harassed to the point they are sending people to put notices on our door to call the company and tape them to our door. The tape is so heavy duty, that is actually damaging our door! The financial figures the company comes up with do not make sense. Our escrow account has been mismanaged. When I filed a complaint prior, we received money back from the company and things got better for a little while. I have attempted several times to work with the company until we can refinance, but things have been quite overwhelming and like a domino effect in every facet of life. I keep making payments well beyond our monthly payment each month and the monthly payment keeps going up and up and up. The Money Source keeps employing predatory tactics to steal our home and I don't know how they get away with this. If we have a fixed mortgage, how can they keep raising our monthly payment? They have a " bucket system. '' So when I am caught up as far as I am concerned on our payments, they keep saying we are behind on our mortgage and charge fees. Now our loan is in default. For six months we had an agreement if I paid this ridiculous rate we would be caught up. For 5 mos I paid the payments on time. The sixth month I paid the payment a week late and they said that made the contract null and void and we were in default and therefore were 1 to 2 mos behind again. I don't understand at all. I have been trying to contact the HUD FHA resources, but due to other issues and the government shutdown, I did not receive assistance. However, I plan to try again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: I.C. System, 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: Information belongs to someone else

Complaint:
My credit report shows a collection was opened between XX/XX/2023 and XX/XX/2023. The collection agency is I C SYSTEM. The original creditor was XXXX XXXX XXXX. 

Ive never heard of either of these companies and do not have a mobile device with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion credit bureau has old incorrect information on my credit report stating that I have a negative derogatory account withXXXX XXXX XXXX XXXX. The account with XXXX is no longer in derogatory status and I do not owe the current loan amount.

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 2019-03-19
Company: Experian Information Solutions Inc.
State: PA
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 is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and Experian but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for XXXX and individual for experian. XXXX  is reporting a monthly payment of {$260.00} and experian is reporting {$0.00}. XXXX is reporting the date opened as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX  is reporting the last reported date as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. As you can see

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 2019-03-19
Company: MARINER FINANCE, LLC
State: PA
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:
Mariner Finance is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for XXXX  and individual for XXXX. XXXX is reporting a monthly payment of {$260.00} and XXXX is reporting {$0.00}. XXXX  is reporting the date opened as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. As you can see

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 2019-02-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Hello, We received a check from someone who we thought wanted to stay in our rental unit. That individual claimed that the check came from their place of business and that they accidentally sent too much money as some was intended for their travel agent. They asked us to refund a portion of the check to their travel agent. 

We waited until Chase confirmed that the deposit was accepted and then refunded a portion of the check to the individual via Chase XXXX ( XXXX ). The individual then stated that a work obligation came up and they would no longer be able to stay in our rental unit. We then refunded them an additional portion of the check via Chase XXXX as Chase had shown the funds were available and I never received a message from Chase that there was a bounced check. 

Unfortunately, I now come to discover that the check had bounced. I am shocked, disappointed, and angry that Chase did not immediately notify me that the check had bounced. As someone who has never bounced a check, this should have been setting off alarms at Chase and they should have contacted me via phone, email, text, or anything to notify me. I did not even receive an internal message when I log in that the check had bounced. 

I called Chase 's fraud & claims department and they were not willing to assist me at all. I spoke with XXXX and he was not helpful or sympathetic to my matter. In total, we were defrauded out of {$3000.00} between 3 payments via Chase XXXX. Chase 's current policies and customer service will continue to help criminals while hurting and angering their loyal customers. Chase should have immediately warned me that the check had bounced and I would have been able to help prevent additional fraudulent activity. Chase also should not have shown the check 's funds as available only to have it bounce later on. 

{$3000.00} is not a material amount of money to Chase, but to my wife and I, who are loyal Chase customers, it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: ALLY FINANCIAL INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My husband and I bought a used SUV in XXXX of XXXX. I never had any problems paying the loan until I lost my job and moved in the spring of XXXX. I worked with Ally Bank to keep the vehicle. I was told that I had to send a certified check in the mail, and when I did it was sent back. Every time I tried to make a payment with ally they would deny the payment or send it back after I was told to send it. They would have me pay through XXXX XXXX, threaten for the vehicle to be taken, long before I was 60 days past due, I was always in contact with ally bank trying to make arrangements to keep the SUV. The car was repo 'd in XXXX of XXXX. I tried to voluntary repossess the car, but it wasn't picked up for over a month while I kept calling Ally. They would never answer my question as to why it wasn't being picked up. When it was picked up it was XXXX and they knocked on every apartment door because I didn't answer right away because I was sleeping.

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 2019-08-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent multiple letters and as well called only to get rude customer service and no help. I have a fraud alert on my credit profiles and it's frozen until this gets this resolved. I have a account that was fraudulently placed. That is linked to a mailing address ( i have never lived at ) i have provided PROOF but the credit agencies ( equifax, XXXX, and XXXXXXXX ) of my current address that i have been at for 28 YEARS. But they want me to call the FRAUD company and update my address with them. NO! i am not calling to update that information. I'm sure you can understand why!!! Needless, to say i was impacted by the equifax data breach as well. THIS IS RIDICULOUS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Synchrony accounts were closed due to bias and XXXX. They do not want XXXX XXXX  that actually responsibly pay back their credit to have many accounts with them. I have never paid any of these accounts late. They have violated federal lending practices.

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 2020-05-26
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We had a security system through XXXX XXXX XXXX XXXX XXXX.  We werent using it. My wife canceled it in XX/XX/XXXX with a customer service rep. The next month we got a bill showing service was still active. We canceled again. The next month same thing. Finally in XXXX they processed our cancellation but said we owed for 3 months previously that we cancelled multiple times. We refused to pay for the additional months of service as it was not used and it was cancelled. They said we still owed. Then they turned us into collections agency. I have over XXXX credit score and had perfect credit. They do this stuff on purpose all the time with all of their services because they can get away with it. Since this now impacts my finances and credit, I consider it to be a CFPB valid complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX and on the second of XXXX I was driving home and was hit by a drunk driver. I was in the hospital until Saturday the XXXX of XXXX with a concussion, XXXX XXXX XXXX, and other issues. I was late with the mortgage payment but made it on the XXXX of XXXX trying to catch up. Today on XXXX XXXX I called to nicely ask to have the XXXX late fee waived and was told that they could not do this. Also Bayview has changed the amount of the payments they seem to ask what they want since XX/XX/2018 and they just seem to be doing whatever they can get away with. Since I have filed complaints with you before and caught them lying an other issues why has the Federal Government not taken control of this company. We have a contract for a set mortgage payment and bayview keeps breaking the contract and raising the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: SYNCHRONY FINANCIAL
State: KY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I purchased online from XXXX on her XXXX page a full body silicone doll for {$2500.00}. XXXX XXXX is a world known XXXX XXXX and when she asked me to use PayPal credit family and friends through Synchrony Bank I saw no reason to question this, but unfortunately I found out this person is a imposter and their is no doll. 
I filed a complaint with Synchrony Bank and my case was denied sighting the reason is that I entered into this binding agreement. On XX/XX/2020 I appealed this decision and provided proof and was again denied for the same reason. I thought I was buying from XXXX XXXX why would I buy something from an imposter. This person has pretended to be PayPal in a email to me to intimidate me and has contacted me pretending to be other people. I have not received any doll.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-24
Company: EQUIFAX, INC.
State: OR
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 ask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter dated XXXX that ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law

Company response to consumer: Closed with explanation