BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX a payment in the amount of XXXX was submitted through bill pay on the XXXX  XXXX XXXX website. LoanCare never received this payment and proceeded to inform me by phone calls that this was not received. After contacting LoanCare representatives countless times it was established that they needed a transmittal number from XXXX  XXXX XXXX in order to confirm that this payment was sent. The correct documentation needed to resolve this issue was sent by myself after receiving a document from XXXX  XXXX XXXX by fax. This information was emailed to XXXX on XX/XX/XXXX. I then received a confirmation email on XX/XX/XXXX stating : The payment was applied to your account on XX/XX/XXXX, but back dated to XX/XX/XXXX. 

Your request has been resolved and this ticket has been closed. 
Please do not respond to this e-mail. Sending multiple e-mails may increase the time it takes to process your request. 
Need to talk? You can reach our Customer Service Department at any time during normal business hours for further assistance. Were here Monday-Friday XXXX XXXX XXXX. Eastern Time, and Saturday XXXX XXXX XXXX 
Submit escalated payment inquiries and documentation via email to XXXX or via fax to XXXX. 
Thank you, Customer Service Department NMLS # XXXXbeen closedthe timeDepartment atXXXX 

Then I received a letter in the mail on XX/XX/XXXX stating that the payment was returned to me by sending a check to bill pay at XXXX  XXXX XXXX on XX/XX/XXXX and that I am suppose to remit this payment back to LoanCare. I called LoanCare once again to understand the reasoning for reopening this and I was told the payment wasnt processed. I called XXXX  XXXX XXXX to understand why I dont see a credit reflecting the amount of {$820.00} in my account but was offered with the explanation that they would have to look into this and call me back. I am now going through this again after having been told this was resolved on XX/XX/XXXX. 

I have never missed a payment and all my efforts to resolve this are being subverted by poor management and policies from both these institutions.

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 2023-07-25
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached CREDIT COLLECTION SERVIC  Last reported XX/XX/2023 {$320.00} Open balance XXXXXXXX XXXX Original creditor XXXX & XXXX Last reported XX/XX/2023 {$250.00} Open balance XXXXXXXX XXXX  Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXXXXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: General Motors Financial Company, Inc.
State: MD
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 am writing about the bad experience I had at the XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; On XX/XX/2018. While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX location around XXXX XXXX in the afternoon. I notified the salesman of this error and he ask the Manger,  XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue.

Second complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX  and the other in XX/XX/XXXX. The vehicle purchased in XXXX, according to GM Financial, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the XXXX XXXX  and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this.

Since we were recommended by a friend who said that XXXX XXXX XXXX  always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: CA
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-03
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for the AMEX Premier Rewards Gold card on XX/XX/2018 and was assured delivery by the following Monday. When the card did not arrive, I called AMEX to inquire about the delayed delivery. Because the card did not arrive on time, AMEX agreed to send me a " replacement '' card. However, the replacement was for a completely different card -- my XXXX credit card. As soon as I caught this error, I called AMEX to rectify it. However, instead of sending me the correct card -- my Premier Rewards Gold Card -- I was incorrectly sent a second XXXX replacement card. 

This week I've called AMEX and their shipping partner, XXXX, roughly 20 times to sort this out. In the process, I've been mailed three incorrect replacement cards and have been provided with at least five different arrival dates for my new credit card. 

This delay has inhibited me form taking full and fair advantage of my new cards introductory offer which which requires that I spend {$2000.00} within the first 90 days of account opening. 

Additionally, I NEVER authorized any of the three replacement cards that were sent to me. I specifically requested that I receive my Premier Rewards Gold card each time I called, and never asked for my delta card to be replaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Community Bank  XXXX XXXX Company sold debt to a collection. Contacted the collection company for documentation verifying this debt the company could not present documentation. Demanding a permanent block on the false information reporting to XXXX, XXXX, & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: GOLDEN 1 CREDIT UNION, THE
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: Account information incorrect

Complaint:
As of XX/XX/2019 my chapter XXXX bankruptcy was officially discharged by the courts which included my golden one credit card account. To this day the company continues to report to XXXX and XXXX each month saying I have a outstanding balance and hitting my report with charge off marks each month which has drastically brings my credit score down. This account should not be valid after the chapter XXXX bankruptcy declaration of discharge and should be removed immediately along with all previous derogatory marks from XX/XX/2019 to present. Ive reached out to Golden one who offered no resolution but acknowledged that they are aware this account was in my bankruptcy.

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 2018-12-02
Company: FMA Alliance, Ltd.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a collection notice from FAM Alliance Ltd on a debt that I included in my recent chapter XXXX bankruptcy and was XXXX. The letter arrived after my bankruptcy was XXXX on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I dispute the information currently being reported on my Equifax consumer credit report by XXXX XXXX XXXX ( XXXX ) for a CLOSED ACCOUNT and Current Balance : {$3800.00}, Reported Date : XX/XX/2023, Current Payment Status : Charge-off and Worst Payment Status : Charge-off. I dispute the following inaccuracies and request an immediate investigation and correction. Under the XXXX installment loan, a payment of {$2900.00} was made in XXXX of XXXX, with the intention of adhering to the regular monthly payments of {$580.00} for the remaining term of the loan. I dispute all information being reported by XXXX XXXX XXXX ( XXXX ) for this XXXX Account and the current balance of {$3800.00}. I demand that this account be deleted from my credit report for inaccurate, incorrect, and false information being reported in violation of federal statutes, including the Fair Credit Reporting Act ( FCRA ). 


Late Payment Reporting After Account Closure : XXXX XXXX XXXX is reporting a late payment in XX/XX/2023, even though the account was closed prior to that date. This reporting is inaccurate and unjustified. 


Account XXXX : The account status is reported as " XXXX '' and " Derogatory, '' which inaccurately portrays my payment history and financial responsibility. I have never missed a payment on this account. 


XXXX XXXX : The reported balance of {$3800.00} is incorrect. I have made consistent and timely payments throughout the life of this account, and this balance does not align with my payment history. 


Handling of XXXX XXXX : I have concerns regarding the handling of insurance proceeds from the loss of my vehicle. XXXX XXXX XXXX mentioned receiving a settlement payment from XXXX XXXX on XX/XX/2023, which was applied to my account. This payment, in addition to my XX/XX/2023 payment, should have brought my account up to date under the XXXX installment and next due date in XX/XX/2023. 
I am deeply concerned about the inaccuracies in the reporting of this account, as it negatively affects my credit history and financial reputation. I request the removal of the inaccurate " Charge-off '' status and account derogatory remarks from my credit report. 


I trust that you will conduct a thorough investigation into these matters and take prompt action to rectify the inaccuracies. Your assistance in resolving this issue is greatly appreciated. Please provide a written response within the statutory timeframe stipulated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: SC
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 to the Fair credit reporting act the list of accounts below violated my federal protected consumer rights to privacy and confidentiality. Also have multiple inaccurate information, Under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602a states that I have the right to privacy 15 USC 1681 section 6048 section 2 it also States consumer reporting agency can not furnish account without my written consent 15 USC 1861 c ( a ) ( 5 ) no consumer reporting agency may have a consumer report containing any of the following items of information any other adverse item of information, other than records of conviction which antedate the report by more than 7 years 15 USC 1681 S -A ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is incorrect According to 15 USC 1681 n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} but not more than a {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} XXXX XXXX XXXX Balance XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: Early Warning Services, LLC
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
Early Warning Services continues to report incorrect information. Their inaccurate reporting is the SOLE reason I am being denied the opportunity to bank at SEVERAL financial institutions. I have attempted to resolve the issue with Early Warning to no avail, and have previously submitted a CFPB complaint, to which they responded with a form response. I am also a member of the class action litigation that has been successful against them, and they STILL refuse to delete the incorrect and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX  & XXXX XXXX which is impacting my ability to XXXX, causing problems at my XXXX & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$120.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX  XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$40000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$550.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX : {$150.00} XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$610.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$910.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$1600.00} XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed XXXX {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00}

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 non-monetary relief
Consumer complaint received 2018-12-17
Company: Lending Club Corp
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lending Club is an entity I borrowed from in 2016. I am paying off the loan early. I have been in email correspondence with them ( they won't correspond by US Mail ) and they are telling me the wrong things about what I owe if I pay early. I contacted them before and they said if I paid by XX/XX/XXXX I would owe some amount, {$1300.00} and something. I sent {$800.00} and they then said I owed {$700.00} something. Now they are telling me that when I sent {$800.00} toward early payoff of the loan they applied only XXXX to that payoff. They said 'since we are unable to apply monthly payments before your contractual payment date, we applied {$560.00} towards your principal balance and was ( sic ) holding your monthly payment and check fee to be applied towards your loan on your contractual payment date. ' They are not entitled to collect a fee because of my utilization of money orders to pay them every month but started doing that at some point. They were deliberately harassing when I used to call in payments and finally I quit fighting with them on that and sent money orders. They are obviously not entitled to hold part of my payment until 'contractual payment date '. Forget it. I am entitled to save on interest that would have been due if I had not paid early. They are pretending otherwise. 

Please contact them about fact that they can not hold payments and pretend I still owe same interest I would have owed if not paid early. I am entitled to payoff early and save on interest. They are dishonest in their endeavors and have been for a while and this becomes tiring. They placed fees on my payments that they are not entitled to. You can rest assured they will advise you that their contract allows them to do something like that but of course they are not the courts, but they fail to comprehend this. I have dealt with the courts more than these kids have. If I have to report them to someone who will address criminal and/or fraudulent activity on the part of this institution I will do that. They have been a problem ever since I took that loan. 

Right now, I need you to get it through their heads that they must deduct interest otherwise due when I pay early and can not 'hold the payment ' until the 'contractual payment date '. Get over it. This is one pathetically dishonest and poorly operated entity. When I owed XXXX something and sent XXXX, that means my remainder due was under XXXX. Not XXXX something. I have sent another XXXX and that should cover entire amount due. I will not hear them tell me I still owe beyond that. 

XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$4800.00}

Company response to consumer: Closed with explanation