BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: CITIBANK, N.A.
State: VA
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 noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} MACYS/DSNB XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-01-20
Company: ARC Management Group, LLC
State: CA
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:
I noticed a balance of {$48000.00} for Arc management group and I do not have knowledge of this account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I sent several disputes letters to Transunion and XXXX informing them of the fraudulent and unauthorized inquries on my credit report asking them to remove them. These are the list of inquries that needs to be removed from my Transunion and XXXX report immediately : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX Transunion 's nor XXXX 's Customer service nor the fraud department would help to remove these inquries from my credit report even after I submitted the information to them for these items to be removed.

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 2018-04-05
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Three subsidized loans are causing my credit report to show 15 late payments when there should be only five late payments. All subsidized loans have been combined in the past to make up sum of loan debt, not separate loan debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018 I checked the chase Mobil site for and update on my balance. On the site there are 2 balances shown one is a present balance the other is an available balance. I had an available balance of almost XXXX so I used my debit card. The next day I checked my balance again and I had a negative balance totaling XXXX. I got charged XXXX four different times for insufficient funds. I have called the customer support center twice both times representative was not helpful at all. They will not take the charges off because I reached the limit for reversals I tried to close the account down because of this they won't close it. I have no problem paying for the purchases I did make but I told them I am not paying the 4 overdraft charges because i had a positive balance when I used my card. Chase Bank is the worst bank to choose to have an account with ever since the first month I had my account I've had nothing but problems with them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
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:
Problem with XXXX and XXXX  Reporting information that is not validated Reporting information that has been paid in full as not paid in collections Fraudulent inquiries reported even after fraud report confirmation Reporting companies are Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent written letters, 3-5 over the past 6 months requesting response, sent copies of payment agreements, sent copies of money orders paid in full, sent copies of letters stating paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent multiple letters advising the bureau that the information listed on my report in regards to the bureau is incorrect as I am not the owner of the bankruptcy. It is to my understanding they use the last XXXX digits and other identifying elements which could easily be someone else's/ The y sent me information stating they verified with XXXX XXXX in which I am not familiar with @ all. I have sent several disputes and this is my final dispte

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX agreed to delete from credit report. They claim to only report negatively to XXXX and agreed to delete. When credit report was pulled it was also reported negatively to XXXX. I knew which they never mentioned it was. I would like for them to delete it from XXXX  as well. As my first claim asked for it to be deleted from all credit 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 2020-11-16
Company: Experian Information Solutions Inc.
State: OH
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:
Looking over my credit report and notice there were fraudulent accounts that doesn't belong to me and never authorized any contracts and business with these companies.The following accounts are listed below : 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  # XXXX, XXXX XXXX XXXX XXXX # 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 2018-07-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am in the process of lowering my debt ratio. This year I have paid off XXXX dollars in debt. {$8500.00} was to Synchrony bank on a vehicle loan. 
Now Synchrony bank who also is the lender on my XXXX XXXX XXXX has lowered my credit limit to the amount I currently owe. 
I have never been late with a payment. I always pay more than the minimum due. My credit is taking a dive because these ratios are off but when they lower my limit it gives a false number. This should not be allowed. If I had been late I would understand. But this seems manipulative to me. My credit score has gone down by over 70 points in one year and I have never been late on a payment and have paid 2 loans off. This is because of acts like 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 2021-05-21
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I deposited XXXX XXXX ( XXXX XXXX ) from XXXX XXXX  to Binance.US. Unfortunately the memo ID was not included when I submitted the withdrawal from XXXX XXXX  XXXX replied to my support ticket and said there is nothing they can do because the withdrawal was already approved. I submitted a support ticket with Binance.US on XX/XX/XXXX and they still have not resolved my issue, and today is XX/XX/XXXX. It's been over three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, 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 pulled my credit report and seen the negative items reflecting on my report for some reason and I dont think or believe it should even be up there because its false and its hurting me from doing what I need to do for my family and it need to be removed. I wrote up a dispute letter on XX/XX/2021 and sent it out certified so I can keep track of my letters because the credit bureaus are quick to say they didnt receive anything. Im also going to attach my the letter here with my proof of address and return receipts for when I sent out my letters. Please help me with this matter I would greatly appreciate it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Mercedes Benz Financial Services
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We mailed a check in the amount of {$24000.00} to pay off and close an open auto loan account # XXXX on XX/XX/2021. Attached are the supporting documents and the proof of payment. The check was received by Mercedes Benz Financial on XX/XX/2021. Mercedes Benz Financial processed this check and credited another closed loan account causing an overpayment on the wrong closed loan account. Mercedes Benz Financial continued to charge me interest on the open loan account and also took an additional payment from me. I called Mercedes Benz Financial on XX/XX/2021 to notify them that they had made this payment to a wrong loan account. Mercedes Benz Financial confirmed that this error would be corrected in 3 to 5 business days. It is now XX/XX/2021 and the wrong payment still has not been corrected. The closed loan has an overpayment of {$24000.00} while the loan that should have been paid off and closed is continuing to charge me interest and payments are still due on the loan that should have been paid off and closed. I tried my best to resolve this directly with Mercedes Benz Financial and they have been unwilling to correct their error and still have not paid off and closed the open loan. The closed loan is sitting there with an overpayment of {$24000.00} while my open loan that was supposed to be paid off and closed is continuing to charge me interest while also taking payments from me. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient is transferring my loan to a new service provider, which I was only informed about over the news. This week, I received an email about setting up auto-payments through Navient when loan repayments are supposed to start, with no mention about transferring my account or why they would need to re-start auto-pay. 

I tried to call their offices to answer my questions directly, which are not found on their website, emails or mailings. I was given an automated caller run-around, and never given access to a human to talk about the changes coming to my account in the next 4 months. Navient will not communicate with the borrowers it is servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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: Was not notified of investigation status or results

Complaint:
A response, explanation, and answer should always be based upon the complaint issued. The Credit Reporting Agencies dont answer and then closes the complaints. What a slap in the face! I sent many attachments ( Form XXXX XXXX XXXX, sheriff 's report plus information on the person responsible for theft, identity theft, forgery and false pretenses. ) The Credit Reporting Agencies states they will enter my dispute into their system and review all information and any additional documentation you provide to determine next steps. The Credit Reporting Agencies did not review the attachments and closed the complaints. The Credit Reporting Agencies have found a way to circumvent the intentions of our government and the CFPB. Perhaps this is why we talk with overseas third world countries when we call. The overseas people with language barriers are the ones answering the complaints with " form replies ''. The Credit Reporting Agencies are not American companies. They are concerned more about money than America. Where is my government? Washington has failed taking care of this country.

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 2018-02-08
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2015 my x husband forged a 7 page document requesting information about my credit and to be sent to him. The signature of my name did not match the original loan papers so they did not send the information requested. It was stated like it was me requesting the information but it was not me, luckily they noticed that it was not my signature. They sent a letter to the house address and to my temp address. I called immediately. They stated that a request was also sent for a loan modification with his signature and my name.. But again my signature did not match the original loan papers, his did match. So mine was forged. I have been requesting these documents and they keep saying they are sending them but it has been 2 years and still have not sent them to me and I need them for court next week, I am going to have my lawyer contact them.I also filed a police report but they had to wait for the documents to be faxed. But who knows. We are divorced and the judge stated that either I can refinance the house or it needs to be sold. Also I got a {$22000.00} gift of equity from my parents because it is my childhood home bought from my parents. Also the equity loan seems like its balance is higher then it was before so I don't know if something happen like he got more money. But my name was forged and attempted to get information and a loan. I have done everything but no one is doing anything about it. And that is wrong.

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 2018-02-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent several letters to the three reporting agencies and to XXXX about this account. I have asked for original paperwork to support the loan. All I have received is a promissory note. I asked for all paperwork with my ID attached. Never received what I asked for. As I periodically checked my credit report, I noticed the account was closed and transferred. I filed my taxes and found out the day that I was to receive my refund that it went to the Department of Education. How can they collect when they closed out the accounts and transferred to what I found out is XXXX XXXX XXXX? I called XXXX on XX/XX/XXXX and they told me they closed out the loan and transferred to the collection agency. Again, how can they collect on a debt when they no longer own? The lady I spoke with on XX/XX/XXXX told me that a letter was sent to me dated XX/XX/XXXX stating that I had 65 days to take action. I told her that I never received it. She stated she could send me another letter. The lady also stated that she will contact my employer to garnish my wages. I spoke with an attorney and that is not legal in Pennsylvania or Texas. What good will that do? They already took my money and as far as I am concern, the letter comes after my tax refund was taken. The problem is collecting on a debt that they no longer own. If I had received the letter, I would have taken action. I never mess with the IRS or let anyone take my tax refund. And if XXXX owns this loan now, what happened to them contacting me, why does it not show on my credit report? XXXX should not be able to collect on debts they stated that they no longer own. On my credit report, these items show as closed/transferred. They should not be an exception to the rule when it comes to collecting a debt. They should be held to the same standards as all creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions Inc.
State: GA
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 joint vehicle loan was paid off on full as a trade in by the 1st/ main account holder in XX/XX/XXXX. I had filed bankruptcy in XX/XX/XXXX and it was closed on XX/XX/XXXX. The credit reporting agencies report has incorrect info as it being included in Bankruptcy and a last activity year of XXXX. I have disputed this multiple times with no correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: CAVALRY INVESTMENTS, LLC
State: NY
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 am a victim of identity theft. I contacted Cavalry Portfolio Service and notified them that the account they are trying to collect is a result of the theft. 
It's now more than 30 days later and the account still appears on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Sir or Madam, Since the declaration of a global pandemic in early XX/XX/2020 followed by stay-at-home orders it quickly became clear that it was going to be quite some time before customers were going to hire interior home improvement contractors such as ourselves, anyone unless imperative. Immediately we contacted our mortgage servicer Fay Servicing LLC XXXX, IL. to request requirements of a partial release on our property to be able to downsize which would have enabled us to avoid the past due situation we are in with our mortgage. Multiple calls were made to a point of contact we were given as we left specific detailed requests for above mentioned information. Two different points of contact have not responded. On XXXX XXXX yet another inquiry was made where were told that Fay Servicing services loans for the owner of the loan, not the mortgagee. With being an obvious candidate for loan assistance at no time whatsoever were we solicited, offered, or contacted regarding loan assistance. We had to call and demand helpful information that may never come. There is a multitude of problems with our loan servicing such as undocumented charges, a gross miscalculation in the most recent 1098 tax form in excess of {$10000.00}, and overbearing late fees. Through many calls trying to resolve problems we are met with resistance while there are only attempts to expedite payment from Fay Servicing. It would seem that Fay Servicing would rather people lose their home than help keep it. We are asking for intervention from CFPB as we believe Fay Servicing to be very worthy of aggressive auditing and oversight during this pandemic. A copy of this complaint will be sent to the Commerce Secretary of Maryland where they will be asked to provide oversight in the matter. We are not opposed to escalating our complaint if deemed necessary. Please consider this correspondence as authorization for CFPB and the Commerce Secretary of Maryland to access our loan. Thank you for your consideration. 
XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
American Express Business account is reporting negative information to my personal credit account. I am not the person liable for this business account.

Company response to consumer: Closed with explanation