BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-17
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Hi : I have leased two SUV from XXXX XXXX of XXXX XXXX on XX/XX/XXXX with Financing with XXXX XXXX XXXX XXXX. 
I have paid all the payments on time since it was on " Automatic Payment '' directly from my Bank Account. On XXXX or XX/XX/XXXX and due to their system failure, I was kicked off from " Automatic Payment '' program, backed to " Manual Payment '' without my consent or even without informing me about this change! 
Consequently I was late for more than 30 days on one of my monthly payments and until on XX/XX/XXXX I got a phone call from XXXX XXXX XXXX to discuss this issue with me! 
I told them I didn't ask for any changes on my payment system and want to get back to automatic payment again. They said they are sorry for not notifying me earlier, because I was on " Paperless '' list so they didn't send me any notifications! But they said I can make a payment over the phone and then everything will get back to normal and I will be on " Automatic Payment ''  again. Which I did and got back to their " Automatic Payment ''. 
But next week and while I was checking my credit score I realized that my credit score has dropped XXXX points due to the " XXXX XXXX XXXX XXXX '' report on me and because of " Late Payment for more than 30 Days ''! 
I called the company and talked to one of their reps and explained the case, she said they will investigate the case and will get back to me shortly, but have not heard from them since XX/XX/XXXX. 
Now I am planning to apply for a very crucial business loan for my business but because of having low credit score ( XXXX ) it seems impossible, just because of the wrongful report from 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 2020-10-14
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On or around XX/XX/2020 Chase bank locked all of my business and personal accounts without notice. I have contacted Chase numerous times for explanation and they refuse to provide one. Blocking access to my accounts occurred after a dispute with a XXXX XXXX XXXX company that secured a marshall in  New York to confiscate my funds with Chase. My legal team had already blocked the marshalls activity pursuant to negotiations with the XXXX XXXX. In fact, impounded funds were initially returned to my account as part of the negotiated resolution but the account is now negative again. This is despite the fact that the funds Chase allowed the marshall to take were ineligible for confiscation. I called to ask that Chase to investigate the issues and provide documentation. I asked Chase to give me full account statements and provide reasoning behind closing my accounts while only providing me one message when I try to sign in to my Chase mobile app, Account closed due to suspicious activity. Contact Chase. I contacted Chase by phone and e-mail several times. The e-mails are never responded to. When I call the provided number for such disputes the person who answers tells me that I must receive an answer from someone else at Chase but they refuse to provide a means to contact such person. I am told that Chase is not permitted to give out this particular contact number. I still can not acquire my statements nor see my account activity and, again, Chase will not give me a reason for the account closures nor do they provide a means by which I can communicate with Chase to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff in the amount of {$3400.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report ; a copy of the settlement letter, along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was settled and needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff 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 this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: BARCLAYS BANK DELAWARE
State: CO
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 XX/XX/XXXX I changed the bank account that my XXXX XXXX XXXX XXXX used for automatic payments. I never ended the automatic payments ;  I only changed which account they are paid out of. The company is claiming that there is a one month delay in automatic payments whenever a change is made, which is disclosed in tiny print when you update your account. I did not see this note. My payment was due on XX/XX/XXXX, because of the one month delay from the change of account a payment did not occur. I saw this on XX/XX/XXXX and  immediately made a manual payment for the full statement amount. They have now assessed me a {$25.00} late fee and {$48.00} in interest. All of this occurring while I have been continually enrolled in automatic payments. I contacted the company and they are unwilling to do anything about sending me multiple form responses. Their system is clearly set up to make changes to automatic payments confusing and hope that they can then collect a late fee. I find this to be dishonest and unacceptable. I just made the same account change with another card company and there was no one month delay.

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 2018-12-17
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
OnXX/XX/2018 with experian, I have receive my Dispute results regarding 10 addresses that's incomplete or inaccurate on my credit report that was still not corrected. Also I was needing to remove additional discrepancies on my report as well. I've been trying to reach a customer service rep to address the issues by calling the different numbers they have on XXXX and got nowhere. Trying to speak with someone is impossible with experian and difficult.

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 2018-12-17
Company: Grant Mercantile Agency
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:
Grant Mercantile Age Opened XX/XX/2015 - {$350.00} Original creditor : XXXX  XXXX XXXX XXXX THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2021-03-25
Company: Collins & Hilton Asset Group, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In your response to me on complaint XXXX you said that you have no validation or proof from the previous agency. Now I am asking why your company is still trying to collect the debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted LoanCare because of the COVID-29 pandemic, they granted us a forbearance, it is about to expire and we want to do a loan modification but they will not talk to us.

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 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-12-17
Company: Avant Credit Corporation
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 have a personal loan with Avant, LLC. 

I initially borrowed approximately {$3400.00}. 
See below. 
{$3600.00} LOAN ID # XXXX Initially I agreed to an auto debit via checking account. 
On or about XX/XX/2018 I was alerted by my bank that Avant attempted a double debit for the same amount twice. In all honesty I believed it was a mistake, so the bank declined the transaction. I was not aware of this at the time it happened. When I did become aware I contacted them and did a payment, I believe over the phone, not realizing that they do not credit you on the day you actually make the payment ( which was a Friday ) but the next business day. 
Which to my recollection was a holiday, so it had to wait until the following Tuesday. 

At that point they contend that I have now generated a late fee of {$25.00} On XX/XX/2018 I requested a complete payoff of this loan being that I am paying XXXX a month in interest. I was quoted XXXX Good through XX/XX/2018. On XX/XX/2018 Avant received a total of XXXX. 

I did not pay the XXXX because that was in dispute and customer service said that were going to ask for a waiver. Initially the waiver was denied as it was requested incorrectly by the cust rep, but later it was granted. Now Avant want an additional XXXX which I object too, had they not mishandled things this would not of occurred. 

I am requesting assistance on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
CAPITAL ONE ONCE AGAIN FAILED TO REVERSE ALL FRAUDULENT DISPUTES AND KEEPS CHARGING LATE FEES AND OVER LIMIT FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
FREEDOM MORTGAGE DEFRAUD US WITH OUR  CLOSING COST TO OUR MORTGAGE PAYMENT. {$320.00}, XXXX. IT SHOULD BEEN {$320.00}, XXXX AS WE ARE SELLING OUR HOUSE. TOTAL FRAUDULENT SCHEMES PLACE UPON INFORMATION PROVIDED TO THE MORTGAGE LENDER ARE DECEIPTFUL DISHONEST. LITERALLY DONE DEEMED BIAS, AS USUAL. PROBABLY BECAUSE OF MY LAST NAME SPELLS OUT XXXX FORMAT. OR, JUST CAN'T GET AWAY WITH THEIR EXPEREINCES OF FRAUDULENT EXPERTISE. 

I NEVER MISS A PAYMENT, NOR WE LATE IN ANYWAY SHAPE OR FORM. DISHONEST PRACTICES IS LEADING OUR COUNTRY SINCE OBAMA WAS IN OFFICE FOR 8 PLUS YEARS. ROCKET OF CORRUPTIONS COLLUSION DECEPTIVE GROWING OUT OF STYLE IN OUR CONTRY INVOLVING FINANCIAL ACTIVITY. FREEDOM MORTGAGE ADDING UNNECESSARY CHARGES TO OUR LOAN BALANCE JUST TO TARGET US FINANCIALLY. OF  COURSE. AS USUAL. STRICT SCRUTINY MUST CONDUCT IN ORDER FOR THE LIGHT OF JUSTICE TO PREVAIL ON EVILDOER EXPERT. LIKEWISE TO OBAMA & XXXX AND ALL THE REST TRYING TO BETRAY OUR COUNTRY FIANCIALLY, ETC.

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 2020-07-01
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 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 FILE 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. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. PLEASE KEEP IN MIND THE THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Credit Technologies, Inc.
State: NC
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 credit report have these inquiries that are unknown I did not give this company permission to run my credit I did not apply for no mortgage loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: ID Analytics, Inc.
State: OH
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:
I recently applied for a car loan, and was denied due to a credit information and score provided by XXXX XXXX XXXX. This company is reporting scores on average of 100+ points below the 3 major credit reporting agencies which is resulting in my being denied for credit when my scores are medium with a good pay history on a auto loan for 2 years. First, I have never heard of this compsny and the documentation asked to provide my free credit report is basically giving them all of my personal and pertinent data. Listed below is the documentation that is asked for in order to receive my credit score : legible copy of your current drivers license or other current government-issued identification card showing your current address and date of birth. 

If your drivers license or other government-issued identification card is not current or if it does not show your current mailing address, then a legible copy of a document from Category 2 listed below is also required. 
If you do not have a drivers license or other government-issued identification card, then a legible copy of a document from Category 1 and Category 2 listed below are required. 
Category 1 Social Security card U.S. passport picture page Alien registration card Military identification card ( front and back ) Category 2 Recent cable, utility or telephone statement with your name and current  mailing address Bank statement with current address Rental lease agreement showing current address Voided personal check with your preprinted current address Notarized letter from your landlord confirming your current name and residential address Mortgage statement with the current address The address on the ID or other document must match the address provided in your request. 

I would like to know is this company approved by the CFPB as a legitimate reportjng agency? Is there a way to block this company from providing data to lenders? 

Thank you

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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Dear Transunion, I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor : XXXX XXXX Inquiry Date : XX/XX/2019

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 2021-02-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Amex, XXXX XXXX, and XXXX. The Account Opened is Amex Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: EQUIFAX, INC.
State: MS
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 have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report number XXXX, I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I also want the following unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX removed. I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was trying to pay off the balance in a lump sum settlement or get a lowered interest rate due to losing my job from covid-19 layoffs. After a month of not getting answers via emails, a chat system that was perpetually down, and an inability to get through via phone, I was told by managerial staff that there were no options for me. 

My care credit card gained interest at a 26.99 % interest rate for the month while I was trying to get a reply. I asked if they could at least work with me on refunding that amount accrued and was told there was " nothing they could do. '' I was also told that I could not apply for a reduced interest rate because it was " no longer within the promotional period '' of the purchase. 

This company has issued many letters indicating they will help people affected by covid-19 and yet they were unable to even respond in a timely manner to my basic inquiries. They also have not clearly posted the parameters anywhere that I could find to get my questions answered on my own. 

I am jobless, XXXX, was XXXX in a XXXX XXXX  last fall, and live alone due to an unfortunate XXXX XXXX situation I had to escape from. Any help is much appreciated. I can't be expected to pick up the slack on a company that isn't able to offer basic customer service as is posted.

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