BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: American First Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I applied for financing online ansd I was approved through American First Finance to purchase furniture, I was approved for up to XXXX. However, I purchase for XXXX. I requested a contract and was emailed one that is a rent to own agreement that stated total cost of XXXX. I decide to return the rental property. However, American First Finance said they do not want it back. I just want to return their rental property as I they don't want to take it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I sent a certified letter to all three credit bureaus requesting they delete this Closed account from XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. It has been well over XXXX days and still no response at all. This violates the FCRA laws that state the credit bureaus have a responsibility to report accurate information within a timely manner. And this was not done. I have been denied credit and my credit score has decreased drastically.

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 2021-07-17
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had applied for an FHA mortgage in XX/XX/XXXX thru quicken loans. I went thru the whole process. I explained my situation that I had filed for chapter XXXX bankruptcy XXXX XX/XX/XXXX ) and had come out of the 2 year waiting period on XX/XX/XXXX. I also explained that I had used the XXXX forbearance and due to XXXX, I missed 2 payments ( XX/XX/XXXX and XX/XX/XXXX ) and I had made them up in XX/XX/XXXX. My mortgage is now up to date. Because I did not have a full 12 month payment, I was told that I was ineligible for a refinance with cash out. I felt that I was being punished for using XXXX  forbearance and was not given information regarding the consequences of using the forbearance. After going thru the whole process when it came to closing, they told me that I was I ineligible for a loan. I still dont understand why. I have made all payments and my mortgage is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: SYNCHRONY FINANCIAL
State: NY
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:
Around XX/XX/XXXX I notice my credit dropped. Synchrony Bank/Paypal credit had a charge of XXXX dollars and said I paid XXXX dollars on the account. They also said I had another name on the account. The account they had was not mine the account numbers didn't match. I had an XXXX dispute. The only they did was update the account numbers. The payment of XXXX  dollars was not mine. This account has been closed since 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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX PA ) 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 non-monetary relief
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like my fraud alerts 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 non-monetary relief
Consumer complaint received 2017-07-26
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
my son who will be XXXX years old this XX/XX/XXXX, made this loan with out my consent and now he is struggling to make payments and now 1st time I am hearing about this through Sallie mea loan. calling me. instead of them calling me to verify if all the information my son put through on his computer was rite then maybe. but he added my social security number, cell phone, address and mailing address and emails. why did n't sallie mae call or email before approving my sons loan .that simple now there harassing me all day during my work hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal account was compromised XX/XX/XXXX, unauthorized user made 3 purchases to XXXX. Called next morning to open case since unable to report online and case was opened. Saw payment/shipping confirmation and immediately opened duplicate case online on XX/XX/XXXX. Was able to get refunded on those 2 transactions. Waited patiently for 3rd ( payment/shipping confirmation on XXXX ) because email noted a case already existed. However, it seems that the phone call did not cover all transactions as noted and required filing 3rd case online. 

3rd case case was denied. Noted " Consistent with PayPal purchase history ''. Yet I have never purchased from this vendor before, let alone purchase apparel or footware online. The only consistency from prior history was the previous unauthorized transactions from the prior day from the same vendor, on the same items, to the same address. Paypal claim notes " After checking the activity from XXXX XXXX 2021 I can see good log ins from Consistent IP ''. However the issue occured on XX/XX/XXXX and payment was confirmed XXXX when vendor shipped product. PayPal is ignoring the the most relevant point in the case, which is payment authorization date, not payment confirmation date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Bank of America have missed transactions under my account as well as under investigate imy claims Bank of America has spent over the amount of days on a claim that should have had a decision on it already I am currently on the verge of eviction I am trying to negotiate with my landlord about the timing that Bank of America will fix my situation I feel this is very unfair I have had to investigate on my own to find out that transactions that I specifically requested to be disputes has not been disputed at all it has been two years of Bank of Americas mess I was also not informed that the claim for {$1300.00} was duplicated by a representative they also added someone elses card number to my claims at Bank of America I am currently still missing a nice amount for my account I have spotted a {$5000.00} transaction that should have been disputed just as well as a {$2000.00} transaction that should have been disputed already and resolved This is very unacceptable I am trying my best to work with Bank of America the back office is very incompetent it seems they are not taking my situation seriously at all my children are being affected by Bank of Americas incompetence as well this is not only unfair to me I am not the only one suffering behind the situation I have been waiting for these claims to be resolved I would like for my false negative balance to be fixed because it was never properly investigated for the {$1300.00} I am going to need them to do something because I have bills to pay in a household to take care of I can not continue to wait for Bank of America because they are not resolving the situation quickly enough

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 2018-01-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Over the past several years I have been trying to fix my mortgage to a reasonable payment. Due to XXXX stating they did not receive documents or having to resubmit documents, the modifications too much longer than it should have. One modification took over a couple years. All this time XXXX had been adding fee 's interest, penalties, and attorney fee 's. My Original Mortgage of XXXX is now over XXXX. Now XXXX wants monthly payments of over 3200.00 per month. I have requested all my loan documents and a detail list of all charges and interest charged to my mortgage several times. still have not received anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company put {$6700.00} on my credit report as to what is owed & the amount is twice less at {$2700.00} and wont take it off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 60 days later, I have not received a response. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that this ordeal has caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-02-12
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-07-30
Company: CONTRACT CALLERS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filled a dispute with XXXX  for unauthorized charges for account in collection from contract callers inc. This account was related to ID theft and should be deleted from my credit report. 

Date opened : XX/XX/2018 Amount owed : {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: FinCo Services Inc DBA Current
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have an online banking account with Current. 
On XX/XX/XXXX @ XXXX am a transaction came across my notifications for {$590.00} from a company XXXX XXXX XXXX. I had never heard of this company nor did I authorize it make a purchase from this company. I immediately contacted Current and they said the charge was pending and when it went through I could file a dispute. And so I did and their decision stated back to me was that no error occured. They said I could request all information in how they made that decision and so I did several times and I have never received any correspondence. I emailed and chatted and got no where. There is no one to call about a matter like this. But I did not make a purchase from XXXX XXXX XXXX. I did not authorize any purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to dispute the debt of {$440.00} as it appears on my credit report ( s ) by sending a debt validation letter via certified mail in XXXX XXXX. The collection agency, TransWorld, Inc., responded by sending an itemized statement of services. I am bothered by this as this does not prove the debt belongs to me. My signature was not present on the document and this statement did not prove validation or ownership of the alleged account. It is also a violation of HIPAA laws as the aforementioned document disclosed PHI without a signed consent to release information. This is an illegal and reprehensible way to conduct business. If this dispute is not resoled, I may be forced to take legal action against TransWorld, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I received my credit score from one of my lenders and it mentioned i had a serious delinquency. I tried recving my free annual credit report from the government website. I was able to get XXXX and XXXX just fine but Equifax will not let me receive mine. I have tried going on the Equifax website and it still would n't let me. I should not have a serious delinquency and/or no late payments on my credit report. XXXX and XXXX both reflect the correct information but Equifax is not. I am guessing its possibly showing a late payment with my XXXX XXXX student loan? But i am not 100 % sure since i can not view my credit report from Equifax. I have reached out to XXXX XXXX 5 times and each representative has confirmed that they did not report late on my student loan. They have told me that they reported it as 0 days late. XXXX reflects that as well. So i am wondering why my Equifax fico score says i have delinquency or possible late payment and if so need it disputed since thats not accurate. I am guessing it has to do with my XXXX XXXX loan since when i check XXXX XXXX for my credit reports XXXX shows it all correct. But Equifax is showing blanks for last reported on my XX/XX/XXXX and XX/XX/XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Diversified Adjustment Service, Inc.
State: MI
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:
Have tried to contact DIVESIFIED ADJUSTMENT SERVICES INC to settle an account placed on my credit reports dated on XXXX XXXX ( XXXX  XXXX  ) with a total balance of ( XXXX ) upon looking at thier website in my accounts summary is NOT the account refrenced and placed on my credit reports but an account balance of ( XXXX ) previously and sucessfully disputed and removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: OLD NATIONAL BANCORP
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My lease ended with Old National Bank inXXXX Indiana with the payment made in XX/XX/2019. Around or about XX/XX/XXXX I noticed that the lease had a balance of XXXX but the amount due on the next payment date was XXXX. I contacted Old National immediately and was told that this was just their way of  flagging a lease as paid and it would clear up. I then went to the dealership where I purchased the vehicle for the residual value and actually financed it with Old National Bank in XXXX. The vehicle was purchased on XX/XX/2019. Much too my surprise I received a note from Old National seeking to collect a debt with a total amount due of XXXX on XX/XX/2019 mind you the account balance was still listed as XXXX this was the amount that was pad off in the purchase on XX/XX/19. I called ONB again and after being bounced around and actually chuckled at I was told that they did not know what the issue was and that apparently the loan officer messed up the loan process when setting up the new loan. I told them this was not the case as the XXXX XXXX dollar balance was there well before then. I asked as to why the were threatening me with collection of a XXXX XXXX dollar debt and reporting to the CB again I was made to feel like an idiot and told they didn't mean it really???? I was sent a letter threatening me with reporting to the credit bureua and that it would impact my credit rating. Just to be clear this was a collection late payment notice for XXXX on a lease that was payed off with a balance of XXXX that was actually refinanced as a purchase with the same bank ONB XXXX. I asked for a letter stating what had happened along with a letter stating that this was a fradulent collection letter for a fictitious amount and all I got from them was we will look into this and note it on your account. I assume they noted on the account with the over XXXX XXXX dollar balance. Is there a recourse when someone issues a letter for an amount that is millions of dollars over the balance that had been paid off? I fulfilled my obligations to Old National they certainly have done nothing but provide me stress and damage to my credit for no fault of my own this is all on them. I will add the as of this writing the account with a balance of XXXX has disappeared on my list of account via their website.

Company response to consumer: Closed with non-monetary relief