BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 already file a complaint about this trough you couples months ago and you send me positive response from the company saying they will delete the inacurate late payment on my account ( see attach ), i call them before to let them know that it still on my account and they said it will take time to disappear ( that was 4 months ago ), i call today and ask to talk to a supervisor which was XXXX after explaining everything he transfered me to a special department supervisor and her name was XXXX and she said she can not go by cfbp either i have to send a proof or me or she will call the company then i need to call wenesday for follow up??
please assist why do i have to go all trough this, i will appreciated if the company can do a play back about our conversation.
Resolve case id # 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 2017-08-07
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I submitted a complaint in XXXX of this year because they refused to help me when I was behind. They offered me a fresh start program. I submitted the paperwork immediately only to be informed that it was most likely " lost on the managers desk '' so I submitted it again when I got a letter after jumping hoops and talking to manager of fresh start department. I scheduled a payment and was told it was all set up. Then I go out of town last week for my gmas funeral. I notice Saturday that my payment did not come out. I call within the grace period of my loan to make a payment to be told the grace period no longer exists when in the program. I was never informed that. I am so confused on whether it was set up correctly even. This company is so confusing and never mail paperwork on policies or send confirmation that you are set up so you just have to wait and see. My payment was scheduled when it was all set up. Why did n't it get processed and even when it was n't processed ( their mistake ) why do n't I have a grace period?!! I am so confused. I can pay my loan on time. I want bi-weekly payments withdrawn automatically with my debit card on my pay dates from them. Then I can avoid this all. This is the second time I 've asked for that.

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 2017-12-22
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I took out three installment loans with Big Picture Loans in XX/XX/XXXX. The first was on XX/XX/XXXX in the amount of {$220.00} with an interest rate of 697.0807 %. It has been paid in full. The second was taken out on XX/XX/XXXX in the amount of {$600.00} with an interest rate of 697.0929. It has been paid in full. The third loan was taken out on XX/XX/XXXX in the amount of {$1500.00} with an interest rate of 485.0505 %. I stopped making payments on this loan when I discovered that this loan, along with the other two loans are illegal in the state of Georgia, which is my state of residence. According to Georgia 's interest rate laws, the Legal Maximum Rate of interest for any loan {$3000.00} or less is 16 % and only simple interest. ( 7-4-2 ) The Penalty for Usury ( Unlawful Interest Rate ) is forfeiture of entire interest and a criminal penalty. ( 7-4-10 ) ( 7-4-18 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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: Account status incorrect

Complaint:
i called the company to inquiry about the Forbearance program due to covid 19 but I did not enrolled on it, they told me that if I get enrolled I would not be reported to the credit bureau. Howver I received a letter from the bank asking my ok for the forbearance program, when I called they told me I was automatically enrolled so I did not need to do anything and no reports where going to be made to my credit. I requested to be cancelled on this program as I never authorize in writting having me put in this program.

Today my credit score dropped from XXXX  to XXXX  becuase they reported the forbereance in my credit report which is not alligned on what they told me.

I never been late on my payments. I request this mark to be taken off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I ask that this debt be removed from all three credit bureaus and any rental history reporting agencies.

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 2021-08-10
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Left NY state for good as of XX/XX/2020. Contacted my cable provider numerous times about termination od service. Due to COVID shut down it was impossible to get in touch but after numerous emails and phone calls in XX/XX/2020 someone did contact me and confirmed service was terminated. I received attempts from other creditors and now convergent is the latest.

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 2020-05-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I found a wig on XXXX I wanted to wear for a photo shoot. I paid XXXX XXXX {$400.00} through XXXX through my Wells Fargo app. The wig was never sent. I also contacted XXXX but they could do nothing because there was no purchase through there, but the entire conversation was through etsy. The order was cancelled by me this morning. But there has been no contact from XXXX XXXX since I asked for a refund. When I called Wells Fargo, I was told that there was no guaranty that I would get the money back The supervisor was super rude and hung up on me when I asked why XXXX is in their app if they don't back 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 explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
i called the company to inquiry about the Forbearance program due to covid 19 but I did not enrolled on it, they told me that if I get enrolled I would not be reported to the credit bureau. Howver I received a letter from the bank asking my ok for the forbearance program, when I called they told me I was automatically enrolled so I did not need to do anything and no reports where going to be made to my credit. I requested to be cancelled on this program as I never authorize in writting having me put in this program.

Today my credit score dropped from XXXX to XXXX  becuase they reported the forbereance in my credit report which is not alligned on what they told me.

I never been late on my payments. I request this mark to be taken off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
i called the company to inquiry about the Forbearance program due to covid 19 but I did not enrolled on it, they told me that if I get enrolled I would not be reported to the credit bureau. Howver I received a letter from the bank asking my ok for the forbearance program, when I called they told me I was automatically enrolled so I did not need to do anything and no reports where going to be made to my credit. I requested to be cancelled on this program as I never authorize in writting having me put in this program.

Today my credit score dropped from XXXX  to XXXX  becuase they reported the forbereance in my credit report

which is not alligned on what they told me. I never been late on my payments. I request this mark to be taken off 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 2020-10-15
Company: TRUIST FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.

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 2021-06-22
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identification was taken to fraudulently open a car loan through Credit Acceptance. I did not sign or authorize anyone to do this. Ive tried to dispute with them but they offer no resolution. I was informed the person who opened the account fraudulently called to take full responsibility and yet no resolution. I am not liable or responsible for someone taking and making copies of my information and signing my name without consent to get a car loan. I have disputed this serval times. This happened in XXXX XXXX. Credit Acceptance has not done anything to rectify this matter. I didnt sign to be a joint person on no ones account therefore I should not be held accountable for this.

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 2020-05-18
Company: ARVEST BANK GROUP, 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: Account status incorrect

Complaint:
i called the company to inquiry about the Forbearance program due to covid 19 but I did not enrolled on it, they told me that if I get enrolled I would not be reported to the credit bureau. Howver I received a letter from the bank asking my ok for the forbearance program, when I called they told me I was automatically enrolled so I did not need to do anything and no reports where going to be made to my credit. I requested to be cancelled on this program as I never authorize in writting having me put in this program.

Today my credit score dropped from XXXX to XXXX  becuase they reported the forbereance in my credit report which is not alligned on what they told me.

I never been late on my payments. I request this mark to be taken off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Fig Tech Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. When checking my credit report, I noticed debt from a company I had never heard of. I contacted the company to dispute the debt, and asked specifically what form of identification they used to verify the person using my social security number was actually me. They refused to provide that information, and claimed that having my name and social security number was proof the debt was mine. I have never heard of this company. I never took out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
1. Had made previous dispute regarding the company charging late fees on payments that are within the months time but apparently are n't within billing cycle.
2. Company had waived late fee and just notified had to make payment after the XXXX or XXXX of the month. I went to make a payment today on the XXXX. Then found a {$41.00} late fee charge.
3. Called customer service regarding this new late fee charge. Customer service representative described previous incident regarding payment. I am informed the representative that I had a letter from the company removing late charge. Also, stating to make payment after XXXX or XXXX.
4. I also stated that this charge was posted on my account on XX/XX/XXXX ( Screenshot ) representative then put me on hold to contact other department. Representative came back online and stated they will waive {$25.00} fee off the account ( which was previous late fee amount ). I told representative that will not suit me and I wanted no late fee charges as per company 's letter and I just wanted to make my payment. This had to be reiterated many times until representative stated {$41.00} late fee amount would be removed within 48 -72 hours. I stated that if this would be reflected online so I can review. I did not make a payment today so I can check after amount time after the representative told me it will be removed.

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 2021-08-10
Company: Freedom Mortgage Company
State: SC
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:
I filed a complaint regarding a credit report from our previous mortgage company over a month ago. Contact with you led to them calling me a few days later ( something we haven't been able to get them to do for over a year ). They had tried to put us in foreclosure last year, but I was XXXX XXXX military. What they did was illegal and it took XXXX points from our credit score. When I finally got home after XXXX, we were forced to quick sale our home and move into an apartment. Now our lease is up and we have nowhere to go, and can't even renew our lease where we are because of our credit score. When you contacted them last month and they called me back, they claimed all negative remarks would be removed from the account and our points would be returned. However, we only saw a XXXX point bump the day after that conversation and haven't seen a single point from them since then. It's been over a month, we are about to be homeless, and I want my credit fixed. I can't allow my child to be homeless because a mortgage company refuses to fix their illegal mistake.

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 2020-11-21
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
While I was XXXX, my passport and debit card information was stolen and used to withdraw over XXXX dollars from my PNC bank account. I have disputed the charges immediately upon XXXX, however the bank is refusing to return any of the funds because it was over 60 days. I could not dispute earlier because I was in XXXX. My passport was also used to go to a local PNC branch and withdraw XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: JPMORGAN CHASE & CO.
State: NY
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:
In XX/XX/2020, I purchased airline tickets with a third party company, XXXX. The purchase price was {$5500.00}, for XXXX adults, XXXX senior and XXXX child. Purchased on my Chase credit card. The tickets were for United Airlines leaving on XX/XX/2020 from XXXX NJ to XXXX XXXX. Because of the world wide pandemic, United Airlines has cancelled my flight. I called XXXX several times to see about a refund, but got no response, until I called Chase, and filed a dispute. An email was send to me from XXXX offering my a refund of {$3800.00}, taking out " fees and taxes '' of {$1600.00}. However United Airline were giving back a full refund, without penalty, fees or taxes. Chase re-billed my credit card for the full amount ( {$5500.00} ). When I called to inquire why. They claim because the dispute was not justified since I had authorized the charge. However, according to the Fair Credit Billing Act. I did not received any goods or services for the charged amount. The XXXX XXXX XXXX has 62 complaints on file from other customers of XXXX, stating the same thing has happened to them.. Charging taxes and fees. This is shameful business practice, taking advantage of consumers during these tumultuous times. And shameful on Chase for not recognizing a violation of the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Freedom Mortgage Company
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is freedom mortgage now for the third year in a row my house payment went up and it is there fault. I called them the XX/XX/XXXX and asked them why my house payment went up again, at first I was told that my home has to be in compliance with state and city ordinances, I told them my house is only 5 years old. Then I was told my property tax or insurance hasn't gone up, but he said they did an escrow analysis and I was XXXX dollars in the hole. I asked them how did I get in the hole and was told we didn't take enough money out for your property tax, I explained to them I didn't receive anything about my taxes going up. So now they up my house payment again now its over a thousand dollars I started out at XXXX now I am over a 1000 dollars. This is my mortgage company aren't they suppose to know what my taxes and insurance is, and I  have sent a copy of my circuit breaker for taxes 3 times and there telling me to send it again. I have never had a house payment change for three years in a row. I feel this is there error not mine but now I have to suffer with a raise again in my house payment well good luck freedom mortgage your getting the same payment we cant afford XXXX a month as were both on XXXX social security. Something has to be done to stop this mortgage company from raising my house payment every year. We also on the Property Tax Reduction for the last 3 yrs, which we have sent to freedom Mortgage several times.

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 2018-08-08
Company: EQUIFAX, INC.
State: TX
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 have submitted information and spoke to managers @ Equifax and they continue to deny or ignore my requests. They have failed to provide me with proof that XXXX XXXX XXXX is the person that authorized the inquiries.

Company response to consumer: Closed with explanation