BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
All Consumers are affected negatively when generating credit scores when an installment loan is closed. The Credit Bureaus ( all of them ) drop the accounts time as active which affects the credit time frame. This shortens the average time frame accounts are opened thereby dropping consumers that have paid on time or paid off accounts scores by 10 - 20 pts depending on the age of other Open and Active Credit Accounts. This does not paint a true picture of the Consumer 's Credit Worthiness. Those accounts should not affect the consumer 's credit negatively. In fact once paid what should happen is the credit score should take in the time since opened and treat it as a -XXXX- balance Pd. instead of providing a negative status for installment loan or mortgage that was closed due to payment. This action by all 3 credit bureaus in the scoring calculation in negatively affecting the consumers. This should be corrected immediately. All Consumers are being affected negatively and no one does anything about it. XXXX, XXXX, TransUnion and the Creditors that report seem to want consumers to keep their debt and when they pay off they penalize the consumer by retracting /erasing the accounts open time frame so as to shorten their credit history. .This is a scam on behalf of the CRAs, and Creditors to negatively affect consumers for paying off their debt on time.

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 2018-08-09
Company: Michael Andrews & Associates LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Good Morning, My name is XXXX XXXX. I have previously contacted the CFPB in the past ; concerning this company continuing to check my credit ; resulting in unauthorized Hard Inquires. From my understanding ; the bought the debt that was owed on a repossessed car from XXXX XXXX XXXX. After the car was sold ; first investors stated that I owed {$10000.00}. They stated that they failed to update my address to the one that I had provided ; so they were willing to accept 25 % of the balance. Due to their mistake. I asked for this in writing ; I never received. When I called sometime earlier this year ; was told that XXXX ; which is also " Michael Andrews and Associates ''. This company is not willing to work with me ; they have filed a lawsuit against me for almost {$13000.00} ; which is more tan what is owed. Now, they keep checking my credit for no reason. When I called and asked them the reason ; they say they purchased the loan,, and can check my credit as many times as they want. I think this is a violation of my rights ; I never signed anything with this company,, and I have asked them to refrain from checking my credit ; they are causing unnecessary hard inquires.

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 2020-02-10
Company: Access Financial LLC
State: NM
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 took out a loan with Pocketfund. I could not pay them back. I submitted a complaint to your organization for help because they put a collection on my credit report for nearly three times the amount I borrowed, which was {$1000.00}. I was able to settle with them for {$1000.00} and they removed the collection. Problem is I have now paid {$2000.00} to them. They have access to my bank account. I have tried emailing and calling for over 2 months. I can not get an email response. They do send a thank you for your payment email every 2 weeks. When you call it hangs up on you before you can leave a message. I need help!!! I know I can do a stop payment with my bank however from past experience with them, they will turn around a do a RCC ( Remote created check ). I do have proof from my bank statements that I have paid this much.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I went online to put a credit freeze on my credit to prevent any theft in the future with Experian. After answering ambiguous questions such as " last four digits '' of your primary checking account ( I have 2 checking accounts ... ) and " what year is your vehicle '' ( which I have 2 ) it told me I had to send an unbelievable amount of documents through mail. This included SSN, bank account info, drivers license, etc. Of course, anyone who wants to freeze their credit report is trying to PROTECT their information and Experian knows that folks won't want to send this information in by mail where it could be lost or viewed by numerous individuals.

Experian has a paid service for locking my credit account. This of course costs money ( {$24.00} per month after the first month ). They have no issues in verifying my identity once I provide my credit card.

Experian is trying to get around federal laws requiring them to provide credit freezes to customers by creating unnecessarily burdensome requirements that put consumers at even MORE risk of identity theft.

I would like Experian to put a credit freeze on my account online. I had no issue with this process with 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 2020-06-04
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Last year my wife received XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. We paid our insurance co-pay and the bills that showed up afterwards. A couple of months ago my wife noticed a negative filing on her credit report from a " IC Systems '' and when we call the phone number it tell us the switchboard is down. Just in XX/XX/2020, they open 7 new negative accounts over 1 bill. They have called her office over a hundred times this year. They spoofed our office number on these occasions ( just in XX/XX/XXXX ). 

XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX When the calls are answered there is never anyone on the line. This ties up office resources. In the past 90 days they have made the below calls and it is always a dead phone line. 

XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX  IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX PM IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX  IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Now my wife 's credit is destroyed and there is no way to contact these people. We have never received a statement from these people or a call on our personal phones. Why are they allowed to ruin people 's lives, especially during the COVID-19 epidemic??

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 2018-08-09
Company: WELLS FARGO & COMPANY
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My loan is showing that I have not paid it since XXXX and that is I correct.

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 2021-06-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had just purchased a new home and went shopping at Best Buy to purchase a refrigerator and stovetop for just above {$3000.00}. I applied for an in-store credit card to receive 10 % off of my first purchase, or interest-free payment as was explained to me by the sales manager. Due to a postal service mix-up, I did not receive any bills from Best Buy, and never received the credit card for which I had applied. When I called Best Buy to inquire about the card/bill, I was informed that interest was being applied and the 10 % discount was in-store credit on future purchases. Further, the future credits were revoked since I was late on my first payment. At that time I paid the bill IN FULL over the phone to avoid incurring anymore interest. Several months later, after having no contact with Best Buy at all, I received a bill for {$450.00} for unpaid interest from a pending interest charge ( {$17.00} I believe ), compounded with late fees during the time After I had called to pay the bill in full. I disputed these charges with Best Buy, explaining how I was 1. Misled about the rewards program/discount, 2. Did not receive bills or the credit card in the mail, 3. Instructed the customer service representative to pay my bill in full unaware that there was another pending interest charge ( of less than {$20.00} at the time but eventually grew to {$450.00} ). Best Buy dismissed my dispute and charged off the account.

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 2019-05-13
Company: CCS Financial Services, Inc.
State: TX
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:
Credit Collection Service Original Creditor : XXXX Account No. : XXXX XXXX : {$490.00} I have disputed these multiple entries for Credit Collection Service several times with no response. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Credit Collection Service and myself for repayment. To this day, I still have not received a response. I've sent correspondence on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Reporting company used your report improperly

Complaint:
There is Inaccurate Data that is reporting on my credit report

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 2019-01-02
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage took illegal funds from my Escrow to pay late fees on taxes that their Company was required to pay. I have been trying to get my Escrow straightened out since XX/XX/18 with the company. They keep on messing with my Escrow and make my payments go up every month.

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 2021-08-31
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX XX/XX/2021, Paypal transferred the amount of {$6700.00} without my consent.

I believe that I was deceived by PayPal as they failed to provide the payment service promised taking advantage of me as their customer to steal my money in a clear case of unjust enrichment. I need Paypal to return my money immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: SELECT PORTFOLIO SERVICING, 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: Account information incorrect

Complaint:
Thanks to cfpb, SPS is trying to help me with my current mortgage situation after my home was destroyed along with 600 other in the WOOLSEY FIRE   on XX/XX/XXXX Fema disaster number XXXX. My Fema disaster number XXXX After trying for 6 months and being pushed around from department to department, I FINALLY recieved some resolution from XXXX XXXX from the Ombudsman. Again this was only after I had to file a complaint. XXXX and I worked out an agreement that I would be paying XXXX starting in XXXX for 6 months, and repay with a balloon payment at the end. I tried to push all my payments off until after the rebuild and apply to my principle, but this was not an option. That would have been nice and less stressful for me because it has not been easy to have to come up with a mortgage payment on a home that is no longer there and having to pay rent else where. 
I have been making the payments, but SPS has reported the XXXX payments late. This is now effecting my credit. I have perfect credit, but now this is an issue. I called to find out what was going on about the reporting to the credit bureaus and have heard nothing. 
I also asked XXXX about what she could do to help me being a Fema victim and she said that I am not marked a Fema victim and she could not call Fema and ask them. 
This was not in her job title. 
I called Fema and they do not send out letter to mortgage companies stating so. So here I stand a victim but SPS not acknowledging it? 
Fema said all they have to do is call the 800 Fema number and give those case numbers and they would confirm it. 
The Woolsey fire  has been declared a Natural Disaster thru XX/XX/XXXX and may go on longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: TN
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:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DPT ED/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a continuation of my last complaint. While I now have the documentation regarding the debt ; I was NEVER given an option to set up a payment plan or given consideration due to hardship. As a result, the XXXX XXXX XXXX XXXX and their debt collection agency continue to charge and compoundinterest after literally taking all income tax returns from both my wife and I. 

Had I been afforded an opportunity to set up a payment plan or debt settlement with them, I most certainly would have done so. 

Its unfortunate that a company that is supposed to benefit Military and beneficiaries is so predatory and inconsiderate. Their actions are forcing me to consider bankruptcy.

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 2018-08-09
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:
I have contacted the CRA multiple times via Certified Mail and their online dispute system ( which seldom works ).

There is an entry listed on my credit report in error, which I have tried to have removed repeatedly. It has come to my attention that someone with a similar name to mine filed bankruptcy in the XXXX XXXX of Florida U.S. Bankruptcy Court, and it has appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. However, it remains. 

I searched the PACER system and I have contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau information relating to any bankruptcy cases, and that your information is from an online service such as XXXX XXXX & XXXX XXXX XXXX. I have searched PACER for information pertaining to this listed Public Record, and the address listed on the court filings is not my address, and I have never lived there. 

As you well know it is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. to report erroneous information on a credit report. I demand that Experian expunge the reporting of a bankruptcy entirely, as it is a willful violation of the bankruptcy reporting requirements of 15U.S.C. 1681c ( d ) ( 1 ).

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 2018-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On Tuesday I contacted Capital One because I need to reset my pin number because I have a got it they was on able to do so so the agent sent me out a new pin number in the mail and she told me that I can go outside of any bank and do the cash advance so I asked her if I do that when I received a fee for that she said no and I said OK fine well today I notice I received a {$10.00} fee so I contacted Capital One and asked him about it and I asked XXXX wants not twice but three times for them to play for me on hold and to have their car retrieval because the agent told me I was not going to receive that fee every time up contact Capital One Im being told different information and is kind of frustrated as a customer so I think at this point that fee needs to be taken out as my inconvenience

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
While working to refinance my mortgage, I checked several companies to find out their rates and serving fees. I followed up with 3 companies ... my original loan provider was XXXX and 2 others I assumed were recommended by my credit union, XXXX XXXX and Amerisave. My understanding was that I would put down a deposit of between {$500.00} and {$450.00} which was refundable if I chose not to go with their company.

Only one company, Amerisave refused to refund my deposit of {$500.00}. They originally told me that I would not have to go through an inspection, since I already had a recent inspection ( less than 3 years ago ). Then another representative the following week called and said I would have to have one. I let them know that I did not want to go through with the loan if it required an inspection. This would make their servicing fees as expensive as the other companies. 

Today XX/XX/2020, I reached out to the agent and was told the {$500.00} was an inspection fee that was nonrefundable, even though I did not go through an inspection. I told the agent I would not be going through with the loan and wanted the {$500.00} returned to my account, he refused. No other company I have worked with has charged me for servicing of a loan I have not gone through with and with no servicing of an inspector.

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