BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: American First Finance, 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: Account status incorrect

Complaint:
I recently made a complaint to CFPB against American First Finance regarding inaccuracies on my credit report. I was contacted by the agency prior to filing the complaint they let me know of the mistake on their end and offered me a refund of the last payment made on the account as a courtesy. I was told the credit report would be updated to state the account was paid in full with a zero balance and that no further action from me was necessary. That is not how the account is reporting. It is reporting there is a balance of {$220.00} and that the account is closed and was charged off as a bad debt. I have attached a screen shot of what is being reported as well as a letter from the company themselves from the last complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 i agreed with the XXXX XXXX that they will reduce all my fees, charges to $ XXXX.They have taken into account this {$74.00} on XXXX Statement.I was sure that everything on XXXX statement will ok.But I am wrong.they gave a next fee of {$160.00}. 
I have no idea for what it is.After 3 months of peace they start again dirty games and try to ripp me off on {$1600.00}. 
This company is the bigest bull shiit in usa and never should be on the usa market.This is a shame that such XXXX company exsist,

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 2018-06-07
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the  months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

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 2019-01-21
Company: Midwest Recovery Systems
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:
a collection account is not mine and is identity fraud. I am not the person who has this debt, I did not go to the hospital, I did not have this name, I did not work at XXXX XXXX, I did not live at this address, I am ot XXXX '' tall, I do not have XXXX XXXX, and I am 20 years older than this person. They keep assigning this account to new collection agencies who open it up as if it is a new account. I have been trying to get this off my credit report for months. If they keep opening it up as new it will never go away and it isn't even mine! It is seven years old to boot!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions 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 the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

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 2018-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2017 I paid Capital One the balance of my credit card online in the amount of {$470.00}. I then inadvertently made a second payment online and overpaid my credit card by the same amount of {$470.00}. The payment cleared and my account is showing a credit balance for the {$470.00} with Capital One. I have called the company repeatedly, the first time they said they had sent the credit in the form of a check back to me to an address I no longer lived at. I asked to change my address and to re-send the refund, they refused to do either. After speaking with them again today, they are refusing to send a refund at all. They are now telling me that it is in their fraud department and they don't and won't send that credit balance back to me, even though they know both payments have cleared, they do have my money, and there is no fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Kohls Department Store Card in XX/XX/2018. I have asked them to provide me with specific information regarding the account in question. XXXX They have failed to provide me with the requested information, but instead provided me with a letter stating they have no record of the account in their system. They did not send me a contract between them and I showing that they in fact do own the debt and or that they do indeed have legal rights to collect on the said debt. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is my attornye sending them a letter stating my intent to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Consultants of California have been trying to collect a debt that is past the statute of limitations in California and won't remove it from my credit report. They are also in violation of HIPPA as they have sent me my full list of medical procedures performed and they were not supposed to have that. I have sent other complaints about the company to the major credit bureaus and also to the Attorney General of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a loan with excellent credit score, stable work history, and 6 plus figure salary. Wanted lowest interest rate because of excellent creditworthiness. Received instant approval from multiple leaders who were competing for my business. Decided to go with quicken mortgage because of excellent rate. Completed process and loan approved. Once home appraisal was completed and loan was ready rate and points changed. Leader promised to correct problem and I refused to go to closure until this was resolved. As a result of this position quicken made the appraiser adjust appraisal report to prevent me from getting loan. Apparently after a long battle to correct the interest rate and points problem they reach out to the appraisal company and had them to make adjustments to lower the value of my appraisal report which prevented seller from selling property to me. The appraisal that was initially sent listed property value at XXXX after the back and forward of correcting interest rates and points they had it lowered to XXXX which is way below market in area. THe mortaage company is working with appraisers to defraud customers. Had to work behind scene to get to the bottom of what was going on. It Took me a while to get reports but I have the proof of this fraudulent activity. Also I was able to get the same home from another lender with a new appraisal that was almost the same price as the original appraisal of XXXX and XXXX higher than the fraudulent one of XXXX they made appraisers adjust. They are not independent organizations. They are working together. Took me 6 months to get information but Now that I have proof, I will be contacting XXXX. I was told to take this step first.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: CITIBANK, N.A.
State: TX
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:
My social security has been used by my brother. I believe this best buy mastercard that is now being reported by a collection agency ( XXXX XXXX ) this credit account was opened by my brother who was my former roommate and eventually took over my lease when I was XXXX in XXXX around the time when the account was opened. He has access to my information and my mailing address. upon checking my credit report I noticed the account and I have no knowledge of the account. is there any way that this account can be removed from my credit file. Ive tried to reach out to the collection agency but they refused to remove it even with a FTC report and a copy of my military orders. I've uploaded my FTC report to support my claim that I've been dealing with identity theft and fraudulent for the past 10 years.

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 2018-06-07
Company: Experian Information Solutions Inc.
State: TN
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 have placed a fraud alert with all credit bureaus as of XX/XX/XXXX. I received a copy of my credit report to see that the same companies, sometimes up to 3 or 4 times a week were placing inquiries on my report that i have NOT requested. I called each bureau, without success, so am hoping on some time of relief as the multiple inquires are placing burdens on my accounts. I am not sure if my information was affected in the multiple breaches there have been. They are below. Thank you *XXXX XXXX XXXX XX/XX/XXXX ( 3 separate occasions on this ONE date ) *XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX, and XXXX on 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 non-monetary relief
Consumer complaint received 2018-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have had aXXXX XXXX XXXX card from Capital One for several years. Yesterday, I was unable to use it. I called them this morning and was told there had been a questionable charge so they put a hold on my account. They had written me about that questionable charge and I responded that it was all right. They made no attempt to let me know they were still keeping a hold on my account. When I spoke to a representative this morning, she said I had to send a copy of my social security card. ( I am XXXX years old ; I lost my social security card 50 years ago, as did most people. ) I asked for an alternative ; she said there was none. I have to send them a copy of my social security number. I asked to speak to a supervisor. She put me on hold and after about 10 minutes, I was cut off. I called again and got another representative who was no more helpful than the first and offered me no alternative to sending my social security card. 

This account gives points, and I have XXXX points. I don't want to lose them. Neither representative would answer my question about the points. They say my account will remain on hold until I send them my social security card. I live in XXXX Getting a duplicate send to me and then sent to Capital One would take a couple of months. 

I am stuck. There is nothing I can do. I have to pay them what I owe them now and I don't know what will happen to my points. And I can't use the card. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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: Account information incorrect

Complaint:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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: Account information incorrect

Complaint:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the 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 2022-01-05
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account is inaccurate and an FCRA violation. XXXX XXXX XXXX # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights.Please honor all request of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Tribal Lending Enterprise, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Borrowed {$1000.00} from Mountain Summit Financial on XX/XX/2020 Repaid {$250.00} on XX/XX/2020 Repaid {$260.00} on XX/XX/2020 Repaid {$260.00} on XX/XX/2020 I still owe {$930.00} towards principal. 

I checked for my interest rate in the details of the email but I havent been provided any and when I called they didn't disclose my interest rate.

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 2021-01-20
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 is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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: Account status incorrect

Complaint:
was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX  CARD. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit. The CARES Act calls these  agreementsaccommodations.

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 2021-08-19
Company: Checkr, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have had numerous background checks ran by checkr for various employers. The FCRA rules clearly state that background information beyond 10 years may not be reported. Also in Texas it is illegal to report past 7 years unless the employer is specifically offering a position with a gauranteed annual salary of {$75000.00} or higher. Checkr has violated both of these mandates numerous times with different companies causing me to be denied employment. They do not respond to any correspondence. I have sent them 30 emails, no response at all. NONE. Furthermore the company is guilty of absolute blatant lack of ethical responsibility to their duty and blaming it on covid. The court houses in XXXX TX NEVER CLOSED AND WERE NEVER BACKLOGGED FOR ANY REASON OTHER THAN FELONY CRIMINAL TRIALS. They pick and choose what companies to run background checks in a timely manner for and others they delay. How would I possibly be able to make this accusation?? Because literally today I had one background check ran in XXXX through checkr. It came back in 10 minutes. The one for my XXXX account that has me out of work and In sever financial trouble, is going on 30 days with no valid reason, no response from checkr And something has to be done. They have to be held accountable. This isn't just dealing as a private business, they are in control of peoples livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I will try and make a long story short but basically, I have paid off my student loan in full upon graduation, and for whatever reason the loan still shows I owe money and it continues to grow interest of course each day. When I first discovered this, I tried resolving it with the parties involved and to no avail have I gotten anywhere with these people. Upon graduation in 2011 my father paid my student loan in full, he was at my apartment and asked me to call right then and get the payoff amount because he was going to write a check for the balance that day. I called and was given the payoff amount and my Dad wrote the check for that amount, I then placed the check in the mail to them. 
I have attempted phone calls, emails, faxes, and postal mail and through dealing with either no response or no return call or email reply and lousy customer service when I finally did get a reply the first one was basically yep you owe the money in question and the last reply ( which I have attached the document ) was basically telling me I owe it because of a time frame in when the check was received. Well first off, the letter stated that I requested a payoff amount via on- line well that is not true like I mentioned above I called them on the telephone my father was sitting right next to me and was writing a check for the balance that 's why he said get them on the phone right now, so I can write the check and pay it off. I would n't have asked for a payoff amount and then wait 4 or 5 months later to send them a check that 's insane. My father is a witness to all this and my father is a hard-working honest man and lives life morally right. The bottom line is I paid the amount of the loan off way early and however they chose to allocate it is their problem and or wrong doing. I would not have asked for the pay off balance if I was n't going to pay the loan off in full the day XXXX called. Obviously, they have gotten their files disorganized and their information mixed up and they need to hold themselves accountable. I guess they are upset because they couldnt gain interest on my account due to the fact I paid it off early before it could draw any interest which I am sure not many people are fortunate enough to do. They should be ashamed trying to suck what any money they can from struggling students in the world just trying to further their education and better their lives and future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/22 - Was scammed through XXXX on XXXX  XXXX and called Chase to try to cancel the transaction but could not. Fine okay. The agent consoles me and tells me he is opening a claim. 
- a few hours later I check my bank app and there are no open claims on my accounts.

Company response to consumer: Closed with explanation