BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
Company: Exeter Finance Corp.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
here are inquires that i dont recognize nor did i give approval to look into my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Exeter Finance Corp XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
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: Information belongs to someone else

Complaint:
It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be entitled to damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I returned my lease on XX/XX/XXXX ( the lease was technically over XX/XX/XXXX ). I received a bill on XX/XX/XXXX from XXXX XXXX XXXX for {$110.00} in property tax for XXXX. I started receiving regular calls to collect the balance for the entire year. I spoke with multiple representatives and supervisors to express that I did not believe I should have to pay property tax for an entire year on a vehicle that I only leased for 8 days in XXXX. I asked multiple times to have my contract sent to me to prove that I was responsible for paying property tax even after I returned the vehicle. I have called the XXXX XXXX Central Appraisal District multiple times and they told me they can not split up property tax charges and so it would be up to me to deal with XXXX. I calculated the daily cost of the property tax, and based on returning the vehicle on XX/XX/XXXX I should be responsible for {$2.00}. I have tried multiple times to make a partial payment on the account in the amount that I feel I should be responsible for but was told that the amount was too small and couldn't be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i checked my credit report today and i found out that Equifax is attempting to report an invalid collections account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. 
i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. 
i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, This medium is to seek CFPB intervention in a situation that we found ourselves with Freedom Mortgage. 

We bought our house in XXXX XXXX that was financed by XXXX XXXX but was later transferred to Freedom Mortgage. In XX/XX/XXXX I started get several calls from an XXXX number unknown to me at the time that it was Freedom Mortgage calling day and night, which I returned the call but while talking to the agent that picked my call, she mentioned that my monthly payment has gone up by XXXX dollars. I informed the agent that I did not get any correspondence about the change, the agent admitted that they did not send any letter or email. After speaking to the agent I begin to pay the extra XXXX dollars. A month later I received a bill that we owe two months ... .I always send my bill 10 to 12 days before the due date. 


Two months after the XXXX dollars increase they send another letter that my mortgage will go up again by another XXXX dollars starting from XX/XX/XXXX payment. Speaking to several people at this company have produced a lot of run arounds and misleading information. I was told that the XX/XX/XXXX increase was from my State NC requirement which I called NC State and that was not a truth which Freedom Mortgage customer relations XXXX XXXX also attest to it not being the truth. 

I have spoken to Freedom Mortgage customer relations personnel that told me that all the fees on my account has been removed but to my surprise Freedom Mortgage has used one of my monthly payment to pay the fees and keep the rest in one account which is making my account look like I am one month behind. I have all the bank statements that shows that I make payment on time and regularly. 

Your help on how Freedom Mortgage will reset my account back to normal will be greatly appreciated. 

Thank you in Advance. 
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 2021-04-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company Chex Systems , Inc. is reporting two accounts to my Chex Systems report. 
These two accounts have been paid in full and per the company, these accounts will be removed from Chex Systems when the balance has been paid in full. 

Source of Information : XXXX  XXXX  XXXX  Amount - {$180.00} Amount - {$450.00}

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 2018-02-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
A company called XXXX XXXX XXXX XXXX I had a bank account with them, it seems as though the company sold or changed name and is now called XXXX XXXX XXXX, well they have a account that they placed on my credit report, the problem is that I did not know that they report checking accounts ... but let me explain I had a tax check from the mother of my child that went into my account, the irs deposit the money in my account ... we started to use the money in the account to make transactions, when we went inside the branch to make a withdrawal the teller profiled is racially and decided to bring up the company policies, Im not saying that it was not the companies policies but they only said something because it was a lot of money and how can two young XXXX Americans come up with this money neglecting the fact that I have a account with them and they know by application that I was at my job for numerous years.. they took back the money right there and then and returned it to the irs, now because we had pending transactions that did not clear yet a chain reaction occurred now each item overdrafts the account and it was many transactions that was pending.. I called the customer services they assured me that they would reverse the fees due to the fact that its not my fault and they were the ones that took the money away that would have covered the pending transactions ... they never kept their word and promise the account was overdrawn like {$710.00}, then it somehow got to {$810.00} and they threw it on my credit ... now this company acted in bad faith doing what they did my account was in great standing up until they did that, and they promised me so they should have filled through with the promise to remove the fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: CITIBANK, N.A.
State: NJ
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/XXXX I purchased a vacation for my XXXX birthday for my mom, sister and myself. I charged my mom and sister 's vacation on a XXXX card. I purchased my vacation on the Citibank card. I booked the vacation through Cheap XXXX. When we arrived to our vacation spot the hotel recommended by XXXX XXXX was an all-inclusive resort which was supposed to include the following but not limited to, non-motorized water sports, daily activities, nightly live shows and entertainment. 
The first evening our room did not have electricity for two nights and the " all-inclusive '' resort did not have the amenities that it was claimed to provide. I attempted to work with the merchant and the hotel and their recommendations were not acceptable to me. 

Upon my return from the vacation, I disputed the charges with XXXX and Citibank. XXXX was able to recover the disputed amounts and Citibank responded on the last week of XX/XX/XXXX that they were not able to recover the disputed charge of approximately {$360.00}. 

I had called Citibank to discuss their decision and after speaking with a variety of associates at Citibank they told me that I did not accept the merchant 's suggestion to move to another resort. XXXX XXXX of Citibank told me her position was with the Executive Response Unit of the President of Citibank. She actually insinuated that I should have moved to another resort. Ultimately, the associates of Citibank should not discuss what options I should have taken and Citibank should have handled recovering the disputed amount with the merchant because what was offered was not provided and their recommendation to move to another resort one day prior to my departure was not an acceptable solution for me and my family.

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 2018-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AK
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:
This is duplicate entry of same account on my credit report. US code 1692e ( false/ misleading representation, ) holds that it could not be listed as if it were another separate account. 
It is re-aged to reflect a more recent date. FCRA 623 ( a ) ( 5 ) ( A ) specifies dates of open/ delinquency must match. 
Despite my numerous requests, PRA has not provided me with an original contract bearing my signature, nor any document that assigns this particular ownership of debt to PRA ( US Code 1692g ( Validation of debt. ) ) It is beyond the statute of limitations in my state. ( Alaska Code 6-2-37. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: WELLS FARGO & COMPANY
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had bought a home about 4 years ago. My first mortgage company sold me off to Wells Fargo ( I had no choice in this, I would have objected given the chance ). I had a payment plan with the lender - I paid twice a month, the mortgage split in half, on the 1st and 15th of the month, by electronic withdrawal. 
My job situation changed, and I could no longer guarantee that I had the required amount of money in my account to be withdrawn at the given dates. I called up Wells Fargo, after I had paid the required payment on the 15th, and asked to set up the schedule for the end of the month from now on, from next month on, which the agent agreed to. I made payments since then, every month at the end of the month, never missed a payment, and they are charging me a late fee every time. By now the late fee is close to {$1000.00}. I refuse to pay that, and I am asking you to contact them, which I already have and I was brushed aside. I want to change mortgage lenders, because I have nothing good to say about Wells Fargo - at one point I applied for a program they offered, about looking into my income situation when I was in-between jobs and had to borrow money to pay the mortgage ( still, I never missed a payment ) - and I was turned down because " I didn't make enough money '' ( seriously ). Thank you for your time ....

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 2017-12-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In 2004 we were encouraged by a loan officer we knew well at XXXX XXXX to take out a home equity line of credit. XXXX -- no appraisal, no verifications. We actually did 4 more equity lines!! Interest rates increased, values fell!! We retired & have had difficulty paying on these lines although somehow we do it each month. We have begged XXXX for help -- loan modifications ( lower interest rate, reduction in pricipal ) Something!! They acted like they wanted to help but could only offer a possible short sale -- we live off the rent incomes -- how could that possibly help? Please no response from XXXX XXXX, Office of the President -- she has been NO HELP WHATSOEVER!!! Now we receive a letter from XXXX, XXXX XXXX saying our equity line is available & open to use!! WHAT IS WRONG WITH YOU PEOPLE AT XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: EQUIFAX, INC.
State: DE
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 tried to dispute on there web site with no success. So I called them on the phone to ask why. They said they could not fix the problem. They took my dispute over the phone incorrectly. It is a medical bill that doesn't belong on my credit report. They will not help. Same problem with XXXX XXXX and was fixed in 3 days,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Colony Brands, Inc.
State: OH
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 am complaining against XXXX credit bureaus regarding the alleged account with Monroe & Main. This bureau and Monroe Main have repeatedly ignored my request for debt validation and proof of this alleged debt with Monroe & Main. 

I sent both parties a request to complete the about investigation and show how the account was validate if it come back verified on the following : XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX Now of these letters have been address, but my reports show this account charged off with a balance which is illegal. The account is filled with error, inaccurate, incomplete and unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I paid XXXX XXXX Account in Full on XX/XX/XXXX. I disputed the balance with Equifax 5 times and it still appears on my credit reports as unpaid. I sent them the paid letter form the collection agency. But rather than researching the account balance Equifax has verified my identity which I have never denied. I am attaching the paid in full letter from the company as well as my bank statement showing the date that the item was paid in full which was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My company was sent a check but was received by an unknown person and deposited in his/her account. The check was correctly written to my office 's name ( XXXX XXXX XXXX XXXX XXXX ), was addressed correctly, but somehow ended up in somebody else 's hands. It appears to have been deposited by photo image, and not directly through a cashier. The check has an illegible endorsement and an account number which are not mine 's. 
The receiving bank has informed me that I do not have the authorization to request the withdrawal of the money from the account it was deposited ( Banco Popular de Puerto Rico -R/T : XXXX ; Acc. # XXXX ) The paying company ( XXXX XXXX ) has informed me that since they paid the check to the correct entity and mailed it to the correct address, they are not responsible for what happened to the check. Banco Popular de PR told me that only the payor, through its bank ( XXXX Bank ) can request the return of the money. 
The local Office of the Commissioner of Financial Institutions has also informed me that they do not handle this type of situation. It was they who referred me to you. 
I would like you to help me get the money from the person that fraudulently deposited it. 
I am not a customer of neither Banco Popular de PUerto Rico nor of XXXX Bank. My office 's account is in a local Cooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Affirm Holdings, Inc
State: MS
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:
Someone by the name of XXXX XXXX has used my personal information for a order with XXXX over a year ago. I have contacted XXXX several times since last year and each time Ive spoken with them I have been told that the order was marked fraudulent but they have not refunded the loan company that issued the payment, which is Affirm. The person applied for the loan with an address that I have not been associated with in over 10 years. This matter is getting out of hand and is causing me great frustration. I have taken all of the steps necessary and have cooperated with both companies. Theres nothing more I can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
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: Personal information incorrect

Complaint:
Experian keeps putting phone numbers as they list are not mine nor have I had these phone numbers as a lot of other personal information wrong. 

XXXX XXXX XXXX none of these are my phone numbers I have provided the right numbers and even sent you a copy of my phone number but Experian just keep coming up with information that 's not mines. 

XXXX that is my number that 's in my name. 

I 'm also filing a FTC complaint on Experian

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 2021-01-07
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
First when I tried to set up direct deposit with Chime Bank, if denied me because they couldnt verify my identity with my ssn. Next when I moved on tried to create a XXXX  Bank account, the same thing happened, except I got in contact with customer service and verified my identity by sending my birth certificate, ssn, and state ID. It work successfully, but days later randomly my account closed due to not being able to verify my identity. Lastly, recently when I tried verifying my identity on XXXX XXXX, I used my stated ID again it I still had problem with the message if fear of fraudulent activity. Ive been trying to set up a direct deposit for my job with a mobile bank but Im having the same consistent challenge in all of them. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Atlanticus Services Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was alerted from my identity theft protection program that someone opened a Fortiva account ( Account ending in XXXX ) to pay for a XXXX XXXX XXXXXXXX XXXX. I reported the fraud to XXXX and filled out their ID Theft Affidavit. I never heard back and did not receive confirmation of them resolving the account. When I attempted to follow up on the status of the dispute, they would either refuse to help me or hang up on me. I am a victim of identity theft and this is not my debt. I pulled credit on XX/XX/21 and now see that they closed the credit line but they have not removed it from my credit report. I would like the debt and inquiry removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation