BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-06
Company: Experian Information Solutions Inc.
State: CO
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 have a home loan with XXXX XXXX XXXX. My loan is set up on auto draft every month. I had made a change to increase the amount of principal of the auto draft. Unknowingly the auto draft was not processed for the month of XXXX and XXXX had never contacted me regarding the delinquency. XXXX had only reported the delinquency via credit reporting and thats how I found out. As soon as I had found out I paid immediately the past due amount. I still dont know why the auto draft was not processed. Ive contacted XXXX via phone and faxed letter asking to remove the delinquency notice and theyve refused. I believe it is their responsibility to notify me when their system did not process the the payment.

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 2020-12-29
Company: Dakota Financial, LLC
State: NY
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 are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, DAKOTA FINANCIAL LLC add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Shellpoint Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is follow up to my previous complaint filed on this site against Shellpoint Mortgage Servicing company. 
Their behavior of harassment and intimidation is not acceptable. They bought my debt from another collection agency XXXX XXXX after XXXX XXXX used the same techniques to collect expired debt from XXXX  XXXX XXXX who sold debt in bulk to XXXX XXXX. 



XXXX XXXX, FL XX/XX/19 From : XXXX XXXX XXXX To : Shellpoint Mortgage Servicing XXXX. XXXX XXXX XXXX, MI XXXX To Whom It May  Concern : After buying my debt from Select Portfolio for pennies you keep harassing me with the latest by sending XXXX XXXX XXXX on XX/XX/19 banging on my doors at XXXX am while I was soundly asleep ( I'm retired and sleep a lot ) to intimidate me on loan that XXXX had no desire to deal or foreclose many years ago. 
You are violating every legal statue that bars you from harassment and intimidation. 

You are violating : [ 15 USC 1692d ] 806 ( 5 ) [ 15 USC 1692d ] 806 ( 2 ) [ 15 USC 1692c ] 805 ( a ) ( 1 ) [ 15 USC 1692d ] 806 ( 1 ) [ 15 USC 1692c ] 805 ( 6 ) [ 15 USC 1692g ] 809 ( a ) [ 15 USC 1692C ] 805 ( c ) By this signed letter I am asking you to cease and decist all calls ( including third party ), all written correspondence and remove ALL negative remarks on all three credit bureaus ( XXXX, XXXX and XXXX ). 
There is statue of limitations for collections and you are way past due that statue. 


XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: HI
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:
In accordance with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX Has Violated My Rights. 
15 U. S. C 1681 Section 602 A. States I have the right to privacy.

15 U. S. C. 1681 Section 604 A Section 2. It States A Consumer Reporting Agency can not Furnish a account without my written instructions

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 2021-06-05
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On or about XX/XX/XXXX, I was hit by another driver, and my XXXX  XXXX XXXX was deemed totaled. I made a claim and XXXX paid my claim. 

I am still receiving harassing calls, and e-mails stating that I still owe for the vehicle. Hyundai motor finance states that do not see a claim. But yet they accepted a payout Account XXXX XXXX XXXX Current Amount Due : {$1300.00} Payment Due Date : XXXX I also had GAP insurance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: ALLY FINANCIAL INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ally Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2021-06-05
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I dont understand why I keep me in the night for an Apple Card, I make my payments on my other credit card in time every month, Im just looking for a chance to prove myself I have a long time Apple Music I would like to purchase more items thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
So this is basically the same scenario that happened last time. I quick pay myself on Sunday XX/XX/2019 {$200.00} from my Chase savings acct. to my checking acct. to cover checks that are going to clear. By Monday XX/XX/2019 I had a balance about roughly {$420.00} give or take. So I look on my account today and for some stupid reason I was charged yet again another two fees of {$34.00} equaling {$68.00}. So they, meaning Chase took it upon themselves to wait for my checks to clear then allow my quick pay transfer to go through afterwards. I am not in the red now but, I am charged yet again because they, meaning Chase, dragged to accept my quick pay, literally from one Chase account to another. I don't understand the timing and shouldn't be punished for this. As of Monday my acct. was in the green and I have plenty of money in their to cover. Also their was yet another day were they charged me and yet again the money was in my Acct. ending in XXXX. This transaction was on XX/XX/XXXX. This has to stop or they have to add some guidelines as to how long a quick pay transaction ACTUALLY goes through. My total for fees was {$100.00}. I also have the documentation to prove it as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06
Company: Experian Information Solutions Inc.
State: PA
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 filing this complaint because the Credit Bureau has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and con not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 2021-02-03
Company: Experian Information Solutions Inc.
State: PA
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:
Identity theft XXXX XXXX XXXX  Open XX/XX/13 Amount XXXX Was in hospital under XXXX  unknown person stole personal information and used it to apply for XXXX  XXXX credit card I did not consent to 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 2021-09-01
Company: ProCollect, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
This company is very poor service. They do not work with the consumer or give a detailed information. I did not give written consent or said any documentation and I am not obligated to this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX has been both reporting and attempting to collect a debt for XXXX XXXX company. This is a debt that was NEVER owed. I spoke with XXXX and it was supposed to be resolved as of XX/XX/XXXX. I disputed with all 3 credit bureaus only to receive the response that meets the requirements of the fair credit reporting act. 
On XX/XX/XXXX I recieved notification that XXXX XXXX XXXX reported a update of delinqent account to my credit report. 
On XX/XX/XXXX I called both XXXX XXXX XXXX and XXXX. At this time I was told : ( a ) I owed no money to XXXX ( b ) XXXX did not sent my account to this collection company ( c ) The amount of {$180.00} was credited to my account to show I owed {$0.00} balance since XX/XX/XXXX. 

I have been denied an apartment application, credit cards and loans because of this falsified debt owed. I have also been paying higher insurance premiums based on my credit report that reflected a false deliquency. I would like to know how many others are being forced into paying debts they dont owe by this same company. I would also like to know how they had the authority to try to collect a debt that essurance denies was sent to their collection department.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Lendmark Financial Services
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Landmark Financial has been told repeatedly not to call before XXXX. 
I get 3 to 4 calls daily with voice messages now that I have blocked their number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: EQUIFAX, INC.
State: AL
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 have attempted to contact Equifax by mail and over the internet on multiple occasions to request they address my concern that they have placed XXXX accounts into my consumer credit report which are not consumer credit accounts, but were both for amounts the VA believed it had overpaid. Both of these accounts were paid but then both amounts were later refunded after a XXXX enquiry determined the amounts should be refunded to me. Unfortunately, the VA reported these accounts to Equifax, and they both appear as consumer credit entries on my Equifax credit report, despite not being consumer credit accounts. I believe that Equifax has violated the terms of the XXXX XXXX consumer credit agreement with the Attorney General of the State of Alabama that Equifax signed in XXXX XXXX which stated they would not post non-consumer credit accounts into credit reports. I received my most recent response from Equifax today ( XXXX/XXXX/XXXX ) and the continue to ignore my complaint that the VA overpayments are not consumer credit accounts and only state that the " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to XXXX company that the prior paying history is being reported correctly. If you have additional questions about this item please contact : XXXX 's XXXX, XXXX XXXX XXXX, XXXX XXXX MN XXXX > ''. I do not believe that under the terms of the XXXX state agreement that these accounts are authorized to be entered into my credit report per para XXXX of XXXX state agreement XXXX attached ) which states " The CRAs shall prohibit XXXX XXXX from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Because of previous problems I have had with TD Bank, I decided to close my credit card with them ( they started charging me 24 % interest for similar issues that were not valid ). I paid the balance owed and asked them to close the account. The bank however continued to allow automatic electronic debits - I was charged by a previous vendor {$14.00}, days after I requested and was told the account was closed. A phone rep from TD who called my home about 2 months ago confirmed the same story. 

Since the bank allowed the charge to go through ( that they should not have ), every month they add new fees and charges. Now the balance is over $ 200+ which is almost entirely fees - due to their error. 

They called me several times. A couple of months ago a rep called and confirmed my story. I told her that I was even willing to pay the {$14.00} from the charge that they shouldn't have allowed. I offered to pay the erroneous charge but told her I wouldn't pay any of their penalties. She said she'd put my on hold and ask her supervisor. She didn't come back, and I went to work. Several times they have called in the morning as I'm headed out to work, and I asked my wife to give them my cell # and if they would call me on it I would still try to resolve things with them. Instead they keep calling my home when I'm not there - but they don't call back even after I've asked them to. 

They often send letters advising that they will report me to the credit agencies for non-payment. I'm not sure if they have or not, but the letters and bills keep coming and I will be extremely upset if they report to the credit bureaus for something they THEY caused. That's an abuse of power in my opinion - they can effectively make it very hard for me to get credit and I have no equivalent ability - it's really a shame how the system works. Anyway I hope the CFP can help resolve the problem since TD Bank doesn't listen to me. 

My legal name is XXXX XXXX. The card was a Visa card - I believe the number was XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To start the apartment complex back in 2016 sent me paperwork with the wrong amount and wrong name listed. SO I tried to contact them to get this corrected and got no response. It then got sent to IQ data who I recently tried to communicate with to settle the account and was treated very poor. A manager by the name of XXXX XXXX cut me off and hung up on me, when I called back to ask for his manager I was advised there is no need to speak to different managers in regards to the account. I am trying to settle my account before I process my bankruptcy due to financial and medical hardship. The manager stated that this month out of the year is the lowest they are able to settle accounts for which makes no sense why it matters what month it is. Also when I was trying to explain my situation he spoke over me and told me they aren't scared of my threat of bankruptcy and hung up. I was not threatening anyone but trying to explain what ii am doing to try and settle an account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: WA
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: Investigation took more than 30 days

Complaint:
The 3 credit bureaus aren't investigating disputes. I file a dispute about XXXX missed car loan payments. I had arrangements set up with the creditor to defer payments due to covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Mortgage
Sub-product: VA mortgage
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:
My issue is with my USAA Mortgage showing late payments on my credit report back in XXXX of XXXX to XXXX of XXXX I received some late payment marks on my credit report and again in XXXX of XXXX I received another late payment on my credit report when I discovered them I contacted USAa and explain to them my situation during XXXX through XXXX I was on two XXXX  as I am in the XXXX XXXX and I explained to them that the account that I was trying to pay the payment I was ' an authorized user but for some reason USAA told me that I was not an authorized user on the account and that's why It did not process correctly however after talking with the supervisor USAA agreed that they would go ahead and fix my credit report because all my payments have always been on time except for these few mishaps therefore they fixed my XXXX  report except for one late payment which I was okay with however they have failed to fix XXXX  and XXXX  I've called USA several times and today was my last as I was on the phone for over an hour with them each time they told me different stories and now they're refusing to fix the issue I am requesting a thorough investigation to fix my credit report like tgey did with XXXX   I'm okay with the one late payment for XX/XX/XXXX but all the others need to be removed I have several accounts with USAA and several other good standing credit reports I have a very long history of good credit please review this inquiry

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hi there, I applied to this Chase XXXX XXXX XXXX XXXX credit card sometime in XXXX. The card opening benefits shown to me when I applied to the card was getting XXXX reward points after spending $ XXXX within 3 months of card opening. However, after I spent more that that amount after 3 months, I didn't get the rewards back. I called XXXX first and they contacted Chase for me. Later on, I got an email saying that Chase advised that I didn't get those points because I didn't spend $ XXXX in the first 3 months. 

I contacted Chase the first time on XX/XX/XXXX and asked them to look into this. They said I got the offer which was getting XXXX reward points within the first 3 months after spending $ XXXX. However, that's not the offer I saw when I applied and I didn't even know that offer existed. I called for a second time as I heard nothing from them regrading how they would be dealing with my case. They said the previous case was being processed and they were not able to downgrade the offer. I asked them to submit another case for me based off some details I provided with them. 

I would like to say that I never saw the XXXX $ XXXX offer when I applied and I just want to get what I should get. I could have spent more if I really got that offer. I haven't heard back from Chase since then. 

Thanks, XXXX

Company response to consumer: Closed with explanation