BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Sent dispute letters to TransUnion, XXXX  & XXXX  asking for verification ( original wet live signatures ) on ALL ACCOUNTS on credit report. No information was provided on how accounts where verified, did not receive original wet live signature contract copies as requested on dispute. 

On XX/XX/2019 dispute letters where received by all 3 credit bureaus mentioned above. 30 days after receipt I was given no information on how the accounts on my credit report where verified nor was I given a copy of a wet live signature that binds me into contract with any of the accounts reporting on my credit file. I have attached a photo of the certified mail receipts.

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 2018-07-22
Company: HW Holding, Inc
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection item appeared on credit report on XXXX, XXXX, and XXXX for over {$5000.00}. I do not owe anything and no communication attempt has been made by the collection agency or alleged debtor.

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 2017-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i took out mbna bank of america credit card they froze my account for 6 months refused replacement card for a year and demand minimum payments monthly i tried to pay them in full for 6 months now i cant consolidate the company has put me in loads of debt mbna bank of america

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The amounts was {$140.00} claim id # ( Dispute ID : XXXX in the amounts of {$37.00} {$30.00} {$73.00} I was told that a error occurred on the XX/XX/2020 and it was final. My account was debited on XXXX/XXXX/2020. This is them commenting fraud I have a email. They are saying the email was a mistake. Which is not true. Chime is trying to hold on to funds. I spoke with agents on Saturday informing me that the error accrued and me account will be funded back. Now chime is refusing to do so. I will like to Sue.I have a email stating that no error occurred. I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: MO
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:
Hello last month I sent letters informing all 3 credit bureaus that inquiries on my credit report was not recognized by me and they did not remove or validate that I authorized these inquiries. I then received a letter on XX/XX/XXXX that all three credit bureaus system was breached from XX/XX/XXXX and XX/XX/XXXX. Attached is the letter showing that their system was breached any debt and inquiries on my report that were closed or derogatory or could possibly negatively effect my credit need to be removed immediately as you have recognized that the security of your company has been compromised and put me at risk this is in violation of FCRA if this is not going to be honored. Inquiries below should be removed from Equifax. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  not recognized and also does not show the original creditor. This is in violation of FCRA guidelines. 

Also attached is the screen shot showing that Consumer Portfolio was removed by not removed from my report still showing as closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also attached is XXXX  showing contradictory information which is a violation of FCRA shows bankruptcy filed on different dates that information must be consistent showing XX/XX/XXXX and XX/XX/XXXX. Please delete this information immediately, for XXXX XXXX, XXXX and XXXX XXXX. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX I've reach out to this company regarding late payments, which I ask for a goodwill forgiveness letter. They refused to remove late payments from my credit report, which to this day I've made my payments on time for the past year. I believe I've providing myself as a loyal customer.

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 2019-10-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I submitted for a mortgage refinance and my last mortgage payment with the previous lender ( 53 bank ) was delayed. On XX/XX/XXXX the payment went on but I didn't no so I processed a second payment that went on XX/XX/XXXX. 

My old loan closed for the amount of {$380000.00}. The extra payment that I did on XX/XX/XXXX included an interest amount of {$1100.00}. That interest amount was extra as they've already charged me {$1100.00} interest on the payment from XX/XX/XXXX. 

They've calculated my escrow refund at {$4000.00}, which included the escrow from XX/XX/XXXX and XXXX payment, but not the extra interest fro, XX/XX/XXXX. 

I tried contacting 53 bank numerous times and they argued over the phone with me saying that no, everything is correct on their side and nothing is wrong with my loan payoff, when in fact I paid them {$1100.00} extra in interest. Please see attached all the documents supporting my view. 

My loan closed in XXXX, which means I should have been charged 9 months of interest for 2019 ( 9 months x {$1100.00} = ~ {$10000.00} ) but I actually paid them {$11000.00} in interest for 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
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: Account information incorrect

Complaint:
This is the 2nd complaint that I am submitting against this company. I received a message from my lifelock acct that XXXX XXXX has placed a late payment for the month of XX/XX/XXXX on my credit report. I have never been late with making any payment to this account. I have issues with the company ever since the total loss of this car XX/XX/XXXX. ( you can reference my previous complaint that was filed about two weeks ago ). <P/>This letter is in regards to the late payment that XXXX XXXX is showing for XX/XX/XXXX. I have never been late paying my car loan with XXXX and I have the documentation attached to support this error. On XX/XX/XXXX, I totaled loss my XXXX XXXX XXXX. I had full coverage with XXXX XXXX as well as GAP coverage with XXXX XXXX. My insurance company sent in a payment to XXXX for the amount of {$13000.00} ( which is the amount they stated the car was worth ). This payment was received by XXXX the end of XX/XX/XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX. I was advised that even though they received a payment from my insurance company I would still need to make an XX/XX/XXXXpayment. On XX/XX/XXXX I made that XX/XX/XXXX  payment. After I made that payment, XXXX XXXX them sent another check in the amount of {$690.00} ( see attached ). My GAP company then submitted another payment for the remaining balance of {$3200.00} on XX/XX/XXXX and it was received by XXXX on XX/XX/XXXX. XXXX did not apply that payment until XX/XX/XXXX after I had to file a compliant and escalate this matter to the Office of the President for XXXX. They stated that because of all the payments that have come in, they need to remove the payment I made onXX/XX/XXXX, the payment that XXXX XXXX send for {$690.00}, and the GAP payment of {$3200.00} because they needed to apply the GAP payment first because they could not charge interest on that payment. This has been a nightmare dealing with XXXX. I received an overage payment from XXXX on XX/XX/XXXX in the amount of {$1100.00} for an overage. Not one time have I reached a 30 day late mark with XXXX and the paperwork attached is here to prove my case. This is only reporting on my Equifax credit report and it has cause my credit score for Equifax to decrease by over 50 points all because of their horrible computer system and their negligence. My credit score need to have the 50 points added back and that negative late payment removed ASAP. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from XXXX and found out I owed about {$78.00} to XXXX. I paid XXXX I believe in XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called XXXX a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of 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 2019-10-18
Company: LDF Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/19 @ XXXX XXXX : Was called by " Lendgreen '' rep XXXX in a demanding manner, asking my whereabouts to location. I explained that this was d/c in a BK case and rep rudely interrupted and sarcastically said he was surprised they never got the information. He tried to verify my address with an address he had on file and I declined to answer. Call lasted one minute XX/XX/19 @ XXXX XXXX : Called XXXX & attempted to speak with same rep & next rep refused to provide name & attempted to verify last 4 of social. I declined to state last 4 of SS & advised they needed to stop calling. Rep rudely demanded I tell him my last 4 otherwise he would be unable to make any changes into the account. I again politely asked for them to stop calling. Call lasted one minute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
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: Their investigation did not fix an error on your report

Complaint:
my student loan is more than XXXX XXXX XXXX and Im attempting to purchase a home and this loan is reporting making my debt to income ratio high.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under AFNI Inc.. I requested a validation on XX/XX/2018 as there was 1 account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX. This vehicle was financed through Bridgecrest with GAP insurance through XXXX XXXX. XX/XX/XXXX I was struck by a deer on the way home that fully deployed all air bags on the right side of my SUV. That night I filed a claim with XXXX XXXX XXXX. The Following day I notified Bridgecrest regarding the accident and provided them with the claims number and other information. I was told that I did have GAP insurance and that they would file the claim. I would be told later in XXXX that the GAP claimed wouldn't be filed until XX/XX/XXXX. I received information that a check for {$12000.00} was sent XX/XX/XXXX, and Bridgecrest requested a 2nd check for {$180.00} on XX/XX/XXXX. Both checks would be held until XX/XX/XXXX. This resulted in a late payment. I was then notified that my GAP insurance claimed was submitted on XX/XX/XXXX and Funds was sent XX/XX/XXXX in the amount of {$3300.00}. That still to this day is not reflected in balance of the car. But this payment means the loan should have been paid in full for XXXX and XXXX. This is when I begin to panicked being that i had already invested so much money into rental cars. So I proceeded to Buy a car and had to go to an buy here pay here. Later I would find out that late payments had been attached to my credit report. after talking with XXXX XXXX I checked my account on Bridgecrest and saw that after I requested documentation, they was able to add it as pending to the account. When I called XXXX   XXXX she told me the money hadn't been sent over and that it was there. When I informed her of what had occurred she was lost for words. Now I am in danger of losing my Binders fee and my house. At this point my anxiety is a level 1000.

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 2017-07-08
Company: Exeter Finance Corp.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is the 2nd complaint that I am submitting against this company. I received a message from my lifelock acct that Exeter Finance has placed a late payment for the month of XX/XX/XXXX on my credit report. I have never been late with making any payment to this account. I have issues with the company ever since the total loss of this car XX/XX/XXXX. ( you can reference my previous complaint that was filed about two weeks ago ). <P/>This letter is in regards to the late payment that Exeter Finance is showing for XX/XX/XXXX. I have never been late paying my car loan with Exeter and I have the documentation attached to support this error. On XX/XX/XXXX, I totaled loss my XXXX XXXX XXXX. I had full coverage with XXXX XXXX as well as GAP coverage with XXXX XXXX. My insurance company sent in a payment to Exeter for the amount of {$13000.00} ( which is the amount they stated the car was worth ). This payment was received by Exeter the end of XX/XX/XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX I was advised that even though they received a payment from my insurance company I would still need to make an XX/XX/XXXXpayment. On XX/XX/XXXX I made that XX/XX/XXXX payment. After I made that payment, XXXX XXXX them sent another check in the amount of {$690.00} ( see attached ). My GAP company then submitted another payment for the remaining balance of {$3200.00} on XX/XX/XXXX and it was received by Exeter on XX/XX/XXXX. Exeter did not apply that payment until XX/XX/XXXX after I had to file a compliant and escalate this matter to the Office of the President for Exeter. They stated that because of all the payments that have come in, they need to remove the payment I made on XX/XX/XXXX, the payment that XXXX XXXX send for {$690.00}, and the GAP payment of {$3200.00} because they needed to apply the GAP payment first because they could not charge interest on that payment. This has been a nightmare dealing with Exeter. I received an overage payment from Exeter on XX/XX/XXXX in the amount of {$1100.00} for an overage. Not one time have I reached a 30 day late mark with Exeter and the paperwork attached is here to prove my case. This is only reporting on my XXXX  credit report and it has cause my credit score for XXXX to decrease by over 50 points all because of their horrible computer system and their negligence. My credit score need to have the 50 points added back and that negative late payment removed ASAP. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Property was sold

Complaint:
I was a victim of a id theft as well as my credit was destroyed in the process, so I worked with a ton of regulators from ATTORNEY GENERAL, CONSULATE OF CURRENCY, FDI, FTC, DEPARTMENT OF BUSINESS AND INDUSTRY, and it is there that I learned certain laws or guidelines that Creditors have to follow. As far back as XX/XX/2020, I spoke to manager at the XXXX at the XXXX XXXX branch in XXXX, TX of TITLEMAX. I was getting several several calls a day even after I spoke to someone in the office or left word. I also indicated to not call my cell and leave a message to call my other number if you needed to get a hold of me, I Was having issues with speaker on the cell. I also let him know as COVID just started that I have extremely high XXXX in my XXXX and XXXX and i sometimes get very sick for few days on end. From XX/XX/2020 til XX/XX/2020, I had to repeat myself to XXXX and I had to leave messages on their answering machines and letters as XXXX promised not only would not get so many calls, but that they would call the other number. I made it very clear if I was needed to get a hold of that the other number was the one to reach, and if I needed make a payment my friend could do so. However, fI Was sick for several weeks beginning of XXXX and I let TITLE MAX know as well, I let the know that there was issues with unemployment payments due to congress not being able to come up with a resolution, as well I got call after call after harassing call only on the number I made very clear over 20 times not to call. Infact to date the number I Asked them to call has not had one call,. As well in XXXX XXXX said after I made my payment for that month he was gon na take {$200.00} off for me being good client, but he never did. I left word I was very clear, i said once the {$200.00} i was owed was paid, I would make a payment, and unemployment just kicked back in a week ago with back pay, but the repoed my car. I even told them I had to take in for timing belt and the car was hit while I Was sick, and needed repair, I got NOT ONE, NOT ONE phone call on the number i asked them to call, I realize what they were doing, it was a bullying tactic, it has been a year since I had the loan, I have paid well over {$5500.00} in interest on a {$3100.00} loan, but everyone knows titlemax will get your car after you pay a year so they can get twice as much money. The, totally disrespected me, harassed me, lied to me, I had not issue making payment, I asked for the {$200.00} to be taken car of them I would make the payment, not one call came in on numnber I asked them to use, instead the played games leaving dozen calls a week and several messages that were not understandable due to the speaker, however, I have wittnesses, copies of paperwork and then some that I asked them to call the other number and all the other things I referenced here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I've contacted the FTC and the police. I'm doing this on my own behalf. These items listed are not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX, Inquiries ; 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

Company response to consumer: Closed with non-monetary relief