BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: Sunlight Financial LLC
State: CA
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 met spoke with a sales person from XXXX on XXXX XX/XX/2021 to obtain a quote for Solar panel installation. At no point was it discussed that I required a loan as I intend to purchase outright. When the sales person asked to confirm my social security number I questioned him on why that was needed. I advised I did not want any loans or any enquiries made on my file. He assured me it was for an identity check and to ensure I own the property. 

I was alerted by XXXX on XXXX XX/XX/2021 about 2 new credit enquiries. 
- XXXX XXXX XXXX - XXXX XXXX XXXX I spoke with the sales person immediately. He advised that he wasnt sure why his team had done that and assure me he didnt request any loans for me. Ive spoken with XXXX 3 more times in the past 2 weeks but Im still yet to get a response other than were looking into it. 

On XXXX, I spoke to XXXX and placed a fraud block on my account. They advised that someone would call me to discuss the enquiries but Im yet to receive a call. 

I attempted to call the numbers provided by XXXX for the 2 companies responsible and they went to an IVR that didnt allow me to get to an operator. 

I found the numbers online for Sunlight Financial who operate the XXXX XXXX XXXX and XXXX XXXX XXXX loan program and they confirmed that XXXX had submitted loan requests on my behalf. I requested that this be investigated and reversed as I had not requested any loan or authorized my credit report to be shared with any lender. The operator said they would investigate the issue and get back to me. I did not get a return call so I called them again a week later and I was advised that my account was noted with the information but it hasnt been dealt with yet. I requested that it be escalated but as of today I still have not received any update or return call.

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 2020-08-30
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.

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 2022-02-01
Company: JPMORGAN CHASE & CO.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at about XXXX PM I noticed a charge to Remitly in the amount {$2800.00}, I called the number online for Chase bank and told the man that answered it was unauthorized and it was 100 percent fraud. He told me the Fraud Dept was closed and to call them first thing in the morning and suggested I call Remitly at the number listed on the transaction. I did call Remitly and didn't get anywhere, I actually was put on hold for awhile until I hung up, The next morning XX/XX/XXXX, I went to the Chase branch in XXXX XXXX WV and reported it to XXXX XXXX whom called the Fraud Dept herself. I had the debit card in my possession and XXXX XXXX cut it up herself. She stated the bank would be depositing the money back in my account within XXXX hours but it actually took a few days. 
On XX/XX/XXXX I received an email that a message was available to read within my account. It read that Chase was going to remove the {$2800.00} on XX/XX/XXXX that my claim was denied stating their investigation showed I authorized the said amount when clearly I did not. 
On XX/XX/XXXX I called the number on the email and talked to a XXXX XXXX at Chase she informed me If I went to the bank branch and signed some papers and had the bank fax it to her the money wouldn't be taken out and also suggested I file a police report.As soon as I hung up with her, I went to the Chase branch in XXXX XXXX and talked to XXXX XXXX. XXXX XXXX called the XXXX XXXX and argued with them I reported in a timely fashion and they told her their records showed they called my cell phone and I said it was OK. Chase never called my cell phone and talked to me and I have requested the records from that night from the phone company to prove this and will submit them when I receive them. XXXX XXXX said the bank didn't have any such papers to fax and said the Fraud Dept would be mailing me papers for me to dispute their claim. XXXX XXXX also told me I needed to file a police report.So I did go and file a police report when I left the bank. 
I have never received any dispute papers from Chase. All I received was what was emailed to me and I requested a copy of all documents relating to their denial. All it said was due to transactions. I have never sent a wire transfer to anyone or had any business with this company called XXXX. 
On XX/XX/XXXX I stopped by the Chase XXXX in XXXX XXXX to let XXXX XXXX know I filed a police report and she informed me per Chase that she couldn't communicate with me anymore, that I had to call Chase directly. 
Federal Law states I'm not responsible for Fraudulent transactions. I reported the theft to Chase within hours of it happening, reported it to the branch the next day and filed a police report .I want the {$2800.00} that was stolen by Chase replaced back in my checking account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21
Company: BERKSHIRE HILLS BANCORP, INC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a car loan through berkshire bank. 
In XXXX before my XXXX payment I bought a vehicle at a dealership and that dealership satisfied my loan with berkshire because I did a trade in. The payment from XXXX was supposed to be sent to me. They automatically charged my again XXXX XXXX. We called them to clear this up. Cancel payments and have a refund sent. Now, ANOTHER month later, they have AGAIN charged my account for a car loan that was satisfied in XXXX. They are not helping me fix this problem and return my money.

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 monetary relief
Consumer complaint received 2021-06-02
Company: Flagstar Bank, N.A.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a mortgage with XXXX Mortgage in XX/XX/XXXX. The monthly payment is {$1300.00}. I have been paying $ XXXX monthly since the start of the loan with no issues. XXXX  sold the loan to Flagstar Bank in XX/XX/XXXX. I continued to make $ XXXX  monthly payments. The first payment on XX/XX/XXXX the split to make a {$1300.00} payment for XXXX and a {$1300.00} for XXXX. The residual was applied {$230.00} was applied to principal in XXXX. I made a {$3000.00} payment on the XX/XX/XXXX for XXXX and all of it was applied to the loan principle. I called XXXXlagstar when I noticed this and asked that they apply all of the {$3000.00} to the first of the month payment. I was told the interest worked out the same as if the entire {$3000.00} was applied the the current month payment. In fact, by breaking up the payment as they did, I paid an additional {$4.00} in interest. This pattern continued with the {$3000.00} payment made on XX/XX/XXXX with the payment split to pay XXXX and XXXX. Another call and request to apply the entire {$3000.00} to the current month payment and to reimburse me the interest over charge. The issue has not been resolved with 2 more calls. I have been given a list of reasons why they can't seem to fix this problem. On or about XX/XX/XXXX, on a call with a loan representative, she recommended I split the payment in XXXX and make a payment at the XXXX of the month and an equal payment in the middle of the month. I did that and sent a letter to the Flagstar corporate headquarters. Since then, they have tried to partially correct the problem an in doing so, They took the XXXX payment to resolve the XXXX issue and sent me a leeter stating I was in arrears on my XXXX payment and charged me a {$69.00} late fee on XX/XX/XXXX. I was told this was reversed on XX/XX/XXXX, but I see no evidence of that in my current account transaction summary. They have my total payments so far correct, the interest is about {$8.00} high and the mortgage principle relfect the additional {$69.00}. I have attached a copy of the letter I sent to Flagstar Corporate headquarters. It includes a spread sheet with what I expected the bank to do with my payments and how they actually applied my payments. My most recent call XXXX XX/XX/XXXX ) ended with a statement that they have trouble with bill pay from other banks and a promise to " try '' to fix the problem even though they generally can only go back 2 months XXXX not acceptable ).

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 2020-07-02
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I don't know the exact dates. I check that was on a closed account was deposited by accident and because it was from a bitcoin trader i haven't been able to link my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/ 2019 my Paypal account was fraudulently used to send money from my XXXX XXXX XXXX account. See Transaction details : Transaction ID XXXX Sent to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, I purchased airline tickets ( Frontier ) with my XXXX card totaling {$820.00}. I was scheduled to fly to XXXX XXXX with my family on XX/XX/XXXX. However due to Covid 19 the airline cancelled on XX/XX/XXXX. They never offered a refund but instead offered vouchers that had to be redeemed within 90 days. th. Much to my dismay having recovered from XXXX as I have proof of being tested positive for the antibody and my family also suffered a XXXX due to this virus, I contacted the airlines and they refused to give me a refund for something I was not able to redeem. The trip was canceled due to COVID19 and we had time to redeem vouchers for an unrealistic timeframe as States/Government official stop traveling for that time and we are still considered to fly at our own risk. Other airlines provided a reasonable timeframe to rebook up until XX/XX/2022and under different circumstances refund you if you were affected by COVID19. I tried disputing the charges but XXXX card gave me a temporary credit but recharged the charges on my account even after explaining that the vouchers no longer work because they had to be used by XXXX XXXX. We are still dealing with a global pandemic and it is unrealistic to book or plan a trip as we are still dealing with alot. Please help me dispute the charges.

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 2020-07-30
Company: SYNCHRONY FINANCIAL
State: CT
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've made several phone calls to the bank listed as well as XXXX XXXX and the credit department 's due to a credit card application which was approved and shortly canceled once I called the fraud department ... an inquiry was made on XXXX- XXXX XXXX and I believe on XXXX XXXX which was not at all my doing ... .I 've complained about the inquiry showing on my credit report since XXXX..I 've also made several calls and " they '' always tell me to call the next person/company am not getting any positive results especially since we know it was fraud and the account has been closed I ahouldnt wait the inquiry wait limit for it to drop off

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 2021-06-02
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is collection account is for XXXX XXXX which I do not owe. This account was removed from my credit report before but put back on it with out my knowledge. I do not owe XXXX it was disputed and removed from credit report then put back on. 
JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$570.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$570.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$570.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have received voicemail messages informing me that a complaint has been filed with my financial institution and that all assets and active accounts will be closed within 72 hours. 

In addition, this account was removed from my credit report already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated a transfer through western union to a relative bank account in XXXX and western union placed the money on hold and wanted an Id for my relative my relative submitted the id a couple of days back western union refuses to release the money even after that I told them to just refund it and they keep saying give the is and refuse to refund the money the tracking number is XXXX  XXXX Picture was emailed to my Id for the western union site

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan to value is 74 % .By Law, LTV as soon as drops below 80 %, they should remove PMI. But they didn't. They keep charging me Private mortgage insurance {$110.00} each month. Can u Please help me out to remove PMI from my escrow account .I never missed payment. since 2005. ( Only some times few days late .They charge {$42.00} for late payment ) But not every month. They keep charging mortgage insurance. Current LTV on the basis of appraised value of 2005 is about 74 % .But Current house value according to XXXX XXXX XXXX XXXX  XXXX XXXX XXXXSo Current LTV should be around 71 % .XXXX  is about the same as XXXX XXXX XXXX. Due to this reason By law I m not required to pay PMI .Please help me to remove PMI from my mortgage account. Its been almost 16 years I m paying Private Mortgage Insurance. Thanks`

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: LA
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX CHECK INTO 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 2018-05-07
Company: Bread Financial Holdings, Inc.
State: TN
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:
Paid this account off with ZALES in XX/XX/2018. The rep told me that once i paid it off they will delete it from my credit report. I paid it off and i gave them 30 days to delete it ( thats what they said it would take for them to remove it ) i recently pulled my credit report and it still shows up on there. this is holding my back and hurting my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I contacted all three Credit Bureau ' advising them that Chapter XXXX  bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate and all my accounts were closing. I was victim of identity theft or mixed file from a bankruptcy in XXXX, Al with someone with a similar name and last four  SSN. I contacted the Bankruptcy Court in XXXX XXXX of Alabama, they could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Someone else 's bankruptcy is destroying my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: JPMORGAN CHASE & CO.
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 Dear customer service, I received an email from XXXX  XXXX  that my Chase bank sent a 30 days late payment to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX 's department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is Chase bank. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to Chase bank and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to God I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that chase bank will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
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:
I applied for a XXXX  credit card today XX/XX/20 and I was not approved ; I was told that the reason why I wasn't approved is because there are accounts in negative standing on my credit report. I looked through every account on my credit report and I saw four accounts that I never opened. The accounts are from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. None of the accounts that were opened with those companies in my name belong to me. I do not have any written/verbal contract with those companies nor did I allow anyone to open those accounts on my behalf. I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards those accounts. I have already reported these unauthorized accounts to the police department as well as with the Consumer Financial Protection Bureau.

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