BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

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 2022-10-28
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2021 The Locations of original Creditor : XXXX XXXX XXXX XXXX XXXX, Located XXXX XXXX  XXXX XXXX XXXX, NJ XXXX Also reported as CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX The account you are reporting Account # XXXX is identified as an installment loan which is factually incorrect the true account type for this Account # XXXX is a credit sale agreement, I have the right the to an actual credit file and discrepancies like this are unacceptable please remove this from my account immediately

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 2019-04-07
Company: GATEWAY FIRST BANK
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Gateway Mortgage is the loan servicer on my loan, but they have made a complete mess of my mortgage and will not rectify their accounting errors. They claim that I am 13 payments past due, but I am not late a single day on my mortgage. I have never been in financial trouble or have I had any money issues since I purchase my home and have made every mortgage payment on time. I was hopeful that they could quickly fix the problem, but it appears that their Accounting Department can not get this corrected and now my loan is in foreclosure. I make plenty of money as my mortgage payment is only about 15 % of my gross income. My job is extremely stable and I have been there for about five years. My mortgage payment is around {$480.00} per months and I send them money orders every month. I can provide proof of payments if need, but they should be able to fix this on their own. It is very unfair that they publicly announced that I am a deadbeat payer and am in foreclosure. I am extremely upset by their actions and need them to fix this matter as soon as possible. Please reach out to them and help me get this rectified. I just want this problem that I did not create to go away and move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Credit Karma, LLC
State: AL
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 viewed an hard inquiry on my credit report from XXXX Dated XX/XX/2018. Couldn't track down the address or who to contact. According with the Fair Credit Reporting act I am requesting that they met and demonstrated that their hard inquiry for XXXX XXXX met the requirements, pursuant to the Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: PA
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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I am a living being, I have rights 15 USC 1681. XXXX is govern 15 USC 1681. And they violated my right numerous of time. I demand the accounts listed below be removed because : According to 15 USC 1681- I have the right the privacy and did not give XXXX written permission to furnish these accounts. Accounts : XXXX XXXX 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 2019-04-07
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days Late as of XX/XX/2018 30 days Late as of XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Navient Solutions, LLC.
State: MN
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:
My student loans were transferred from Navient to XXXX XXXX on XXXX XXXX XXXX as part of my enrollment in the XXXX XXXX XXXX XXXX program. In this transfer, the history of my payments, and which repayment plan each payment was made under, was lost. I contacted Navient on XX/XX/XXXX by phone and an employee was able to give me a detailed summary of each payment I made and the repayment plan the payment was made under while my loans were serviced by Navient. However, this information has not been provided to me in writing and has not been provided to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Between XXXX and XX/XX/2020, I was transferred a few transactions to my cash app account, totaling {$350.00}. Fortunately, I have been unable to retrieve the money from my cash app. I have tried every action possible to contact Cash App and to retrieve my cash myself but I have not been able to fix the issue please help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Experian Information Solutions 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 status incorrect

Complaint:
Experian refuses to update my XXXX XXXX XXXX XXXX  account. It is showing as open instead of closed. It is also showing a balance instead of being XXXX. I have disputed the inaccurate information several times with Experian but they keep closing it and stating the information is inaccurate. The inaccurate information started showing in my account XX/XX/2021 and I have been trying since then to get it disputed. I even took a day off to drive to XXXX XXXX, MI to the branch of XXXX XXXX XXXX. We tried to get the information fixed at that time and were unable to. XXXX XXXX XXXX states that Experian is reporting inaccurate information and they ( XXXX XXXX XXXX ) are not receiving the request to confirm the information. Experian is the only credit reporting agency still reporting this inaccurate information. XXXX XXXX XXXX has tried to call and email Experian to update the inaccurate but they have not being successful. Experian refuses to fix anything via email or over the phone and they are maintaining that XXXX XXXX XXXX has to fix the information through the electronic request that is being sent by Experian but the issue is that XXXX XXXX XXXX is not set up to receive that type of request from Experian. Experian has been extremely unhelpful with this request. This inaccurate information has impacted 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 non-monetary relief
Consumer complaint received 2018-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I owned a Bank of America account. A fraud activity had happened to my account by someone else that I knew of. I paid the negative balance in full and would like to be able to open a new account with 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 2019-04-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I received my XXXX mortgage statement. It alleged that I owed for 3 months ( {$2800.00} ), and that due to an incomplete payment, my last payment at the time of this mailing, was in a suspense account. 
This dollar amount was {$960.00}, but as my normal mortgage payment has NOT changed, and my normal payment as of XX/XX/2019 is {$960.00}, this is incorrect. 

On XX/XX/2019, I was able to get through to customer service and a representative for the company said that he saw where the error was. He said that " Corporate Advance Fees '' had been added to my mortgage payment, and that the computer read this as my payment being incomplete. He said it was a computer glitch, and that Bayview would send a corrected statement on Tuesday XX/XX/XXXX, to show that I only owed for XXXX and XXXX. I asked if he could take my XXXX payment over the phone, and he said that he could and then the XXXX statement would be resent to reflect that I only owed for XX/XX/2019 and going forward. 
I waited a week to file this complaint, as I fully expected to have the corrected statement in my hands no later than XX/XX/2019. On Friday, XX/XX/XXXX, I called Bayview again to ask about the status of my concerns and I was told by this representative ( not the same as before ) that she could see in the notes that there appeared to be an error in my payments, that she could see that I'd paid more than my required payment for XXXX, that she could see that I'd made my XXXX payment, but that she didn't know why a new statement had not been sent out. 
This is very concerning to me as VA is a non judicial foreclosure state, and when a payment is held in a suspense account it appears as though the home owner is behind on payments. I have been in my home 29 years and 7  months, and I have NEVER failed to make a full mortgage payment within the month that it is due. 

I make my payments over the phone toward the end of each month because when I was mailing in my payments, Bayview would delay processing my payments for as long as two weeks. Since I am in an active Chapter XXXX Bankruptcy, no late charges are allowed to be added to my mortgage payment if it is late, but I understand that once my bankruptcy is discharged, my payment will need to be processed no later than the XXXX of each month to avoid late fees. 
I am paid twice monthly, and by paying the mortgage toward the end of each month I'm able to fulfil my other financial obligations that must be paid prior to the XXXX of each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am enrolled in the Public Service Loan Forgiveness program and currently under an income-based repayment plan. In calculating my eligible payments for PSLF, XXXX is not counting payments that I made prior to being enrolled in PSLF when I was not enrolled in an income-based repayment plan. However, the payments I made prior to being enrolled in income-based repayment plans required much higher monthly payments than my monthly income-based repayments ( sometimes triple the cost ). I have contacted XXXX multiple times, including on XX/XX/2018, XX/XX/2018, and XX/XX/2018. XXXX has been unable to explain to me why these high payments would not count as eligible payments, despite the fact I was not enrolled in income-based based on the advice of my prior loan servicer, XXXX XXXX ( XXXX ). I have my federal tax forms from every year to prove that my calculated income-based payments would have been significantly lower than the repayment plan I was enrolled with at the time. 

Furthermore, I have contacted XXXX a year ago ( XX/XX/2018 ) to request that my payments be reviewed in more detail, and this has still not been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: SC
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Experian Information Solutions Inc.
State: MA
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:
EXPERIAN - Today I received a report from Experian notifying me that my Fico Score had dropped 23 points since my last report. This makes no sense since the only change is adding a credit card from XXXX XXXX. Additionally, I have supplied information on PreAuthorized Checks for XXXX XXXX that can not be refuted. This unrefutable information was ignored by XXXX, Experian, XXXX and XXXX. This report also states three ( 3 ) late payments, the only late payments that are under dispute are XXXX XXXX  and XXXX XXXX. XXXX was investigated by the FBI and found to have forged documents. I have attached information for review and request an explanation.

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 2021-09-10
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I submitted documentation from my County tax accessor and the VA to My Loan Care property mortgage company, showing I am a 100 % service connected VA and that I am exempt from taxes. Since that time I have called repeatedly I am told each time that my information has been received and that someone will contact me. This has yet to happen. I have spoken to supervisors, Ive tried to complain through this company, all to no avail.

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 2020-06-24
Company: EQUIFAX, 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:
XXXX  XXXX  XXXX should not be reporting a collection/chargoff in the amount of {$12000.00} to Equifax ; XXXX and XXXX  on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This same account is also reporting as a Judgment with XXXX County Magistrate Court partial Docket # XXXX. ( Please see page attached from my credit report. ) First, this account was sold to XXXX a collection agency. This account can not be reporting multiple times since it has gone to collections and a Judgment was granted. This is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting the same account multiple times 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 2018-02-14
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Bank : Ally Issue : False advertisement for {$100.00} bonus for new account I opened an account with Ally because of the promotion in XX/XX/2017. The promotion page listed 5 conditions. However, after I have met the 5 conditions, Ally refused to honor the bonus and cited that according to their current promotion ( {$200.00} bonus ), 3 trades are required. The current offer page also clearly listed the 3 trades qualification condition.

I have the previous screenshot that shows at the time of my promotion, there was no such requirement. Or I could assume that it was deliberately made unknown the  customers. Ally can not show any concert proof that it was in the fine print either.

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 2019-04-07
Company: EQUIFAX, INC.
State: WV
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 received a copy of my credit report and found the following item ( s ) to be errors and are possibly a result of fraud or identity theft. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), XXXX must complete this reinvestigation within 30 days of receipt of this letter. 

Equifax has ignored my investigation as I demand response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX - Purchased engagement ring for my Fiance at XXXX XXXX in XXXX, NJ. Opened account with XXXX XXXX to finance the ring XX/XX/XXXX - Returned original ring and received a new one XX/XX/XXXX- First payment was made with a finance charge Received the following charges on my account thereafter : XX/XX/XXXX FINANCE CHARGE Charged {$36.00} XX/XX/XXXX FINANCE CHARGE Charged {$23.00} XX/XX/XXXX PAYMENT-THANK YOU Payment - {$180.00} XX/XX/XXXX FINANCE CHARGE Charged {$36.00} XX/XX/XXXX FINANCE CHARGE Charged {$23.00} XX/XX/XXXX FINANCE CHARGE Charged {$37.00} XX/XX/XXXX FINANCE CHARGE Charged {$24.00} XX/XX/XXXX PAYMENT-THANK YOU Payment - {$180.00} The company, rather than return my original ring purchase and add the new ring purchase, tacked on the new ring purchase on top of the other, charging me two times a month for two separate purchases. Now, I am receiving finance charges for the original ring which was returned AND the new ring.

This was reported to the company who services the loan and no determination or refunds have been issued or communicated. I continue to receive TWO finance charges per month for ONE purchase.

Company response to consumer: Closed with non-monetary relief