BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX/XXXX/XXXX I ordered it and made a transaction by online using XXXX system with total price {$110.00} on my credit card. I have never problem to pay my bills, but in this case I did n't receive all my statements from XXXX XXXX - to XXXX XXXX I have no information about my bills to pay XXXX year. I do n't use American Express credit card at all XXXX XXXX system pick up my card automatically. ) so I did n't expect some bills. Anyway on XXXX XXXX I figured it out about my missing statements so I called American Express. We both of us by phone find out a situation about wrong address there XXXX it was missing apartment number on the bill ) what was n't my mistake. Suddenly I paid total price {$110.00} on XXXX XXXX, XXXX. I did n't change my address 17 years so I do n't know what happened. Now American Express ask me to pay all interest and penalty. I was on the phone a lot of time and I send a lot of letters -does n't work. The case was moved to debit collector. It 's not right I do n't want to pay for other people mistakes. American Express created this situation and now ask for money. I am a good customer who paid bills always on time. Except this case because I think American express find a easy way how got money for free. I do n't want to except that. 
Thank you very much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-05
Company: Specialized Loan Servicing Holdings LLC
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2020-07-10
Company: TCF NATIONAL BANK
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This complaint is for TCF, Identical complaint filed for XXXX XXXX XXXX There are two lenders involved in my complaint. I had a HELOC loan with TCF bank that sold my loan to XXXX XXXX  XXXX  back in XXXX of this year. This loan was actually converted to a long term loan many months earlier and we no longer have the ability to draw on that loan according to our agreement. Before even making our first payment with our new loan servicer they reached out to us looking for the first payment in XXXX. I explained XXXX 's payment was made with the first loan servicer and we have sent them proof of that payment. Each month we pay the same amount to them as we did our previous loan despite requests for different payment amounts each month, asking for mostly smaller amounts. We have made several attempts to provide XXXX  with documentation that this payment was made and that we were current as of the date of the loan being sold. The original servicer has provided us with the documentation but is unwilling to contact the second directly each time telling us they can't contact them anymore and to give them a new document proving we have paid. Each time I call the new servicer they humiliate me reminding me I am late and this is an attempt to collect a debt. One lender selling a loan to the next shouldn't be my problem to fix as the problem was created in the sale of the loan. I feel I'm running out of options but certainly don't want to pay another payment to them that we don't owe them. This practice can't be acceptable and I'm asking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Performant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
When the CFPB check my previous and past complaints filed against XXXX XXXX and the XXXX XXXX XXXX XXXX, the information I recently received from a Company calling itself a XXXX XXXX has completely ignored any of the violations, False reporting, fraud, tampering and accounting issues that I was subjected to from these student loan companies. This company calling itself XXXX XXXX XXXX sends out letter after letter requesting full payment of XXXX with a statement " You don't have to break the bank to pay back your student loan. '' My case remains open with XXXX XXXX and I haven't received any updates from XXXX XXXX since XX/XX/XXXX regarding looking into my payment history dating back to XXXX. I have only been informed that the company was still investigating it. I had also requested to be reimbursed for payments that I had made towards a student loan that had been altered/modified by multiple student loan servicing agencies targeting Low Income/Minority students in XXXX California in the Mid XXXX through the early XXXX. My Hardship Chapter XXXX Bankruptcy was ignored, my XXXX XXXX in the late XXXX was rejected and the manipulation, threats, harassment, obscenity and alarming my Employer about this student loan continued for years. This notice for payment is only a continuation of the abuse.

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 2023-08-31
Company: ACIMA CREDIT, LLC
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have ask numerous times for verification of the debt and to have the inaccurate information removed. No one responses or corrects. This is hindering and damaging to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Santander Bank has caused my husband ( XXXX XXXX ) and I ( XXXX XXXX ) harm by reporting information on our credit reports for late payments on XXXX, XXXX, XXXX, XX/XX/XXXX due to an error caused by Santander Bank. 

Here is what XXXX team issues that have harmed my family credit history : -Inaccurately calculated our mortgage escrow analysis using the 3 year amount on my hazard insurance versus the annual amount causing a shortage to our mortgage escrow account. Our monthly mortgage payment went from {$3100.00} monthly to {$4400.00} XXXX never updated my new address or phone information when a request to change address was sent on my XX/XX/XXXX statement. 

-Due to this inaccurate contact information I was not aware my mortgage payment had changed due to escrow payment increases. As my bank recurring payment was set to a {$3900.00} ( included monthly mortgage of {$3100.00} and additional payment toward principle of XXXX ), XXXX reported my husband XXXX XXXX and XXXX XXXX as XXXX on 4 months dropping our credit score from XXXX to XXXX. 

-We were paying {$760.00} monthly extra principle however due to escrow errors none of this was applied to my principal which cause more interest to compound. 

-After my letter to XXXX XXXX XXXX issued a refund check of roughly {$13000.00} of overage on my XXXX account which is proof of their inaccurate escrow analysis. 

XXXX Bank has cause harm to my family due to unfair and deceptive practices. We will be disputing these with credit bureaus however it is likely our credit history has been harmed for the next 7 years. 

Please hold them accountable for harming customers as these escrow analysis errors should have been caught. Additionally servicing practices of not updating customer information causing irreparable damage.

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have contacted both XXXX and the 3 credit bureaus about the incorrect status of my account and either party has yet to update and correct the information. I was told by XXXX that the information would be corrected with the 3 credit bureaus no later than XX/XX/20. Today is XX/XX/20 and the account status is still showing as as charged off which is incorrect as the account was paid in full. I have submitted payment receipt to the bureaus but have yet to see the account updated.

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 2020-08-15
Company: FORD MOTOR CREDIT CO.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been called daily, and usually more than once a day by Ford Credit asking to speak with someone whom I do not know. I do not  have any accounts with Ford or Ford Credit. I have talked to 5 different Ford representatives ( most recently on XX/XX/2020 ) who have all claimed to take my phone number off of their list however they continue to call. 

The phone numbers they typically call from are : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: FL
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting the account is handled by a debt management company where it is NOT. I pay my payments directly to XXXX XXXX XXXX. They are also reporting my account is OPEN on Experian credit report where it has been CLOSED for 1.5 years. In addition they are reporting late payments in 2016 when I was not late, they failed to send my statement to the correct address after a military move. They were given the correct address and still to date have not updated 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 2023-08-29
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I was notified of a credit inquiry through citi for XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit monitoring service XXXX. 

On XX/XX/XXXX I received a letter in mail regarding the application from citi, which the name on the application does not accurately reflect my drivers license. 

I have never applied for nor authorized an XXXX XXXX XXXX points plus XXXX. I have no business with XXXX XXXX XXXX. 

On XXXX I contacted my credit monitoring service for assistance and they helped me setup a fraud alert. We also tried no less than XXXX different numbers to contact Citi. None could help. XXXX citi very own XXXX department! They sent us back to an automated application line and we never got to a live person. 

So XX/XX/XXXX I called into XXXX to file a dispute. They responded back on XX/XX/XXXX claiming Citi verified the inquiry was accurate with no details ( no contact phone # for Citi nor any supporting information ). 

Citi bank and XXXX  have not done an adequate job resolving 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 2018-12-24
Company: ALLY FINANCIAL 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: Information is missing that should be on the report

Complaint:
In XX/XX/2018 I bought a new car on XXXX XXXX loan # XXXX to XXXX XXXX XXXX   ... I used my XXXX XXXX as trade in, this car still owed money to ally financial loan # XXXX, loan amount XXXX. 
XXXX XXXX supposed to payoff the trade in car loan but they didnt till XX/XX/2018. Ally financing sent a delincuent report to my credit record so affected negatively my credit score .I explained the situation to Ally financial but they told me that they cant erase the negative 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 2023-03-27
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit report on XXXX showed a credit inquiry on XXXX at MACYS/CITIBANK N.A . which I did not authorize. Called XXXX  and reported the issue and had inquiry removed. Called Macys XXXX fraud department, Representative confirmed an online application was submitted on XXXX. The application was cancelled and reported to the 3 credit monitoring 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 2017-09-25
Company: Unisa, Inc
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loans were recently moved from XXXX to UNISA ( unisainc.com ). I was never notified of this change, I simply logged into my XXXX account one day and all information about my loan was gone. After contacting XXXX, they told me the loan was transferred to UNISA. 

After searching and failing to find what appeared to be a legitimate website for UNISA, I ended up getting a number from XXXX and called UNISA. The person answering the phone call was very unprofessional and said I must have been in the " recent '' loan moves, that 's why I did n't receive any notification ( the loan was apparently transferred over a month ago ). I was able to get an account number for the loan from the representative, which allowed me to create an account on the suspicious looking website https : //www.unisainc.comXXXX The website appears to be made in WordPress ( known for it 's many security vulnerabilities ) and did not provide the typical prompts one would expect from a legitimate loan servicer. Once registered I was able to review my loan balances and schedule a payment by entering my bank information. 

This was several days ago, I never received an email confirmation of my payment and after waiting and not seeing any change in my bank account, I attempted to log back into my account to view scheduled payments. 

After entering my credentials on the https : //www.unisainc.comXXXX XXXX, I  received an error message " Error. An error occurred while processing your request. '' with no option for a redirection. I attempted this several times with the same result. I also attempted a login with a known incorrect password and was unable to login, so I know that is not the issue. 

I am unable to view my account information now and the unprofessional design of the website and attitude of the representatives makes me concerned with the safety of my personal and financial information with this company. I also have no indications that they allowing me to make payments. 

A quick XXXX search of the company reveals numerous complaints and the lowest possible review star rating on XXXX for the company, showing I am not the only customer with these issues. I feel this should be investigated, especially for the many graduates like myself that had no choice or option who their loans and personal information would be transferred to and now have no control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Experian Information Solutions Inc.
State: NC
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  XXXX card shows 30 days late XXXX and XX/XX/2019. During time didnt have account with them tried numerous times to get them to fix credit report. Please remove late payments from 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 2021-07-18
Company: Security Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These are not my accounts that I have inquired about. I have given my name by I.D . and it's not showing correctly on my credit which I think opened these accounts in my name. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Convergent Resources, 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: Information belongs to someone else

Complaint:
XXXX phone someone stole my information this XXXX XXXX  keep XXXX XXXX  my account amount {$700.00}. One dealership run my credit many times even though i told them not to do it. I did not approved it for them to run my information that much. I need this to be clear for all credit places ASAP. Even child support is done too clear everything. XXXX im not going to be paying for someone XXXX  XXXX i never did at all. Please clear everything from my record because im becoming a XXXX  XXXX my record needs to be clean.

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 2022-10-07
Company: Experian Information Solutions Inc.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original XXXX XXXX XXXX AUTO I ) XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/2022

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