BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX I have several issues on my credit file. I have only one name and it should appear as XXXX XXXX XXXX!! Please remove all other variations of my name. My DOB is XX/XX/XXXX my SS# XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXXplease update. i HAVE NEVER LIVED IN XX/XX/XXXXOHIO please delete remove the following addresses:XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXOH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX,XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX ,XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX , XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX. Please forward me a copy of my updated 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 2020-09-04
Company: Experian Information Solutions Inc.
State: OK
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:
The following fraudulent accounts are on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX  {$370.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX A {$240.00} XXXX XXXX XXXX   XXXX  {$380.00} Account number XXXX ( no name provided ) {$120.00} I have been trying to get this resolved since last year with no luck. please help

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 2018-07-11
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Loans were initially through Discover. In XXXX refinanced with XXXX. On XX/XX/XXXX XXXX issued a check to pay off {$31000.00} of loans with Discover.  On XX/XX/XXXX, Discover took out the monthly auto payment. Contacted Discover and they said they never received a check and I would need to get a copy of the cancelled check from XXXX. They have since sent two copies of the cancelled check to Discover. Reviewing the Discover account in XXXX, the check still had not been posted. Contacted the customer service center at Discover. They said they had notes that they received copies of the cancelled check, but wanted me to provide the ABA and Acct #. I explained that the payoff was from XXXX and I did not have that information. Their response was that an investigation had to be initiated before the check could be posted, and they agreed not to take the next auto pay due on XX/XX/XXXX until this was resolved. 60 days later they still have not posted the payoff check, they have deducted the autopay from my bank account and now XXXX is also taking payments for the refinance they processed. How do I get Discover to process the loan payoff properly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my 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 2021-04-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I entered forbearance according to the care act in XXXX of 2020 and continued to make payments as I could until XX/XX/2020 since then community loan services formerly known as XXXX loan servicing has been harassing me for payment and has reported me to the credit bureau 120 days passed due. They've ruined my credit rating and iam not able to qualify for assistance due to their negative reporting and they refuse to correct their mistake according to the care act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: IL
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 send in my dispute to Equifax and there response was that they cant Identify my me with the information I provided this just another one of there stall tactics I send in my correct infomation same as all ways and it was never a problem verifying it before I stated that I was ready to file a law suit because of the way Equifax is unfairly treating me you can chek the infomation I send in the necessaryinfomation required to proof that I'm the XXXX XXXX XXXX requisting this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: ZuntaFi Corp
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: Public record information inaccurate

Complaint:
I started a XXXX XXXX bankruptcy in XXXX  which included ZUNTAFI ( formally known as RXXXX XXXX XXXX XXXX ). I completed the bankruptcy and it was discharged. During court proceedings, ZUNTAFI did not appear at the meeting of the creditors to contest the filed bankruptcy and the debt was discharged. Since the discharge of the debt, the company has changed their name and the debt has still been reporting to my credit. As of today XX/XX/XXXX, ZUNTAFI has reported me being 120 days late on payments to this non existent account. This has down extensive damage to my credit score. I am also including documentation from the bankruptcy showing that they have been discharged

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A savings and Checking account was opened with XXXX and it was requested to be closed within 24 hours of opening it. They said on the phone both accounts were closed and there would be no fees. 2 months later I receive a letter in the mail stating there is a {$59.00} over draft fee and that my accounts are on hold. I called 2 weeks ago and they said they waived the fees and my accounts are now closed. 

I called again today and they said my accounts are still open. 

checking account XXXX savings 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 2019-08-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was misinformed about auto pay.  I made a manual payment back in XX/XX/2019 for $XXXX of which $XXXX was principal and interest and $XXXX was additional principal and was told auto pay would not process.  It DID process.  They held onto my money and I never received the overpayment checks back to me.  Then they said the overpayment will post to July mortgage. It never did so I made another manual payment.  Then in XX/XX/XXXXI received a past due notice about my mortgage which I had to again tell them they are holding onto my money and then finally they applied only the $XXXX to my XX/XX/XXXX mortgage which means they still owe me $XXXX.  Three weeks later, today XX/XX/XXXX, I called to get an update on where my check is and they said i have to wait until XX/XX/XXXX because its still being investigated.  They are providing false information to play with peoples money.  I have yet to review my credit score to determine if they late payment they applied late to my account was reported to the credit bureaus.  They told me things after the 10th of the month get reported but I have to check.I have spoken to 5-6 different managers to get this resolved and it has been extensively delayed.  All transactions were done electronically so its not difficult to track and see the history.  I strongly believe there are many other victims.

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 2018-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
on XX/XX/18 I called XXXX XXXX, XXXX XXXX, and capital one. I have late payments and after being on the phone with them for about an hour each. we came to an agreement, that if I sign up for certain payment plans they would right then remove the late payments from my account as a one time forgiveness. XXXX said I will be put on a 3 month payment plan for XXXX each month and it will be current and reopened once completed. XXXX XXXX said they would close my account might be reopened but I would have to do an automatic XXXX  dollar a month payment, and capital one I was able to bring up to current making them happy and promising the removal of the late payments. they would remove the late payments so when I checked in XX/XX/XXXX they would be gone. looks like XXXX completely closed my accounts which I will be ok if I can reopen them at a later date, but the bank did not remove the late payment status although I am making all payments. XXXX XXXX did close the account but I am still seeing those late payments. capital one did not close account but still has not removed the late payments. reason I am filing this is that it has damaged my credit score very much, and I was a young adult making mistakes being stupid for I was heart broken pretty much making those dumb mistakes everyone makes, and not understanding the seriousness of the situation. The main reason which I did bring to their attention was I was out of employment from XX/XX/XXXX to XX/XX/XXXX and during those times I was making payments and they have records of it I was just not making the minimum payment and I called them then before but they said nothing I could do, but gave me a different answer when I called in XX/XX/XXXX. as of right now I am 3 for 3 on my XXXX  payments. before the unemployment I had been making every payment on time and making extra payments. I am now in the position where I can do that again but need the hard remarks removed for im buying a car, and an apartment soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I used my Marriott Bonvoy credit card to purchase a flight on XXXX airlines. The XXXX flight was canceled ( due to Covid ), and I requested a refund to go back on my card. I waited over two months and received no refund. In this time I was unable to contact the company or speak to a live person at XXXX. I then disputed the charge on my credit card. The first answer from the credit card was that the charge was valid because the merchant said I was a " no-show for the flight ''. I provided proof of cancellation and the credit card company said I could not get a refund and rebilled my account. The reason was, " that the airline was refusing to give a refund '' and that the dispute had " gone on too long ''. This is clearly a case of services not rendered. The flight was canceled and that is something that can be easily verified. I expect a credit card company to back up the consumer when cases like this arise. This clearly did not happen. They offered me a {$100.00} refund from Marriott Bonvoy and directed me to their executive offices if I wanted to dispute it further. I was told I could send them a letter in the mail, or send them a fax. No contact name or email address or phone number was provided. I find the handling of this situation by Marriott Bonvoy completely unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-30
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Spoke with Hunter Warfield company on XX/XX/XXXX. Who is a debt collector for apartments. I was told today that the original amount ( {$2500.00} ) accrued interest and a higher amount ( {$3700.00} ) is being collected due to federal and state debt collection laws. I spoke with my attorney and they advised no interest can be accrued on accounts that are not loans or from a financial institution. Which in my case this I'd definitely not a loan of any sorts. The Georgia State law does not state anything like that. This debt is 5 years old and has not changed in amounts until XX/XX/XXXX. 
The company is lying and I refuse to pay an amount higher than what is owed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I was abruptly removed of my funds and account for no apparent reason even after providing valid proof of the source of my funds. I was simply transferring funds to my loved ones and friends of which were impacted by this focus-19 crisis and PayPal decided to take my {$1500.00} of hard earned money away from me and my loved ones

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: CREDIT ACCEPTANCE CORPORATION
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:
I had a loan for a vehicle through Credit Acceptance for a vehicle I purchased in XX/XX/XXXX. In XXXX after 20 MONTHS OF ONTIME PAYMENTS, the vehicle was stolen and when recovered was a total loss. I had full coverage insurance as well as gap insurance through the finance company on the vehicle. Once recovered, I went to XXXX impound and signed over power of attorney to the finance company so they could deliver the vehicle to the insurance company to pay the claim. Credit Acceptance NEVER DELIVERED THE VEHICLE to the insurance company and after 30 days XXXX impound crushed it and sold it. Due to never getting the vehicle delivered ( which was the responsibility of the finance company as I had signed over all power of attorney ) my insurance company did not pay the finance company. Credit Acceptance then told me I had to continue to make payments on the vehicle which I did for 1 month AFTER THE VEHICLE WAS DEEMED A TOTAL LOSS but then could not afford any longer due to having to purchase another vehicle as well as all my tools that were stolen that were in the vehicle. Credit acceptance then proceeded to attempt to sue me FOR THEIR INCOMPETENCE but the case was thrown out by the judge. In XXXX, my insurance company finally paid out Credit Acceptance but I never received ANY FORM OF REIMBURSEMENT for the taxes, plates, my tools or any of the thousands of dollars in parts I had installed prior to the theft of the vehicle and total loss. Currently Credit Acceptance shows I have 6 charge offs on my credit report which has prevented me from obtaining housing, loans and credit cards for the past 5 years as this is one of  the only accounts on my report. I had NEVER MADE A LATE PAYMENT- EVER- and yet they are still saying I was in collections over the account and refuse to change this after MULTIPLE times contacting them as well as MULTIPLE DISPUTES. Credit Acceptance has made my life a living XXXX the past 5 years and has resulted in homelessness ( even while I was working full time- I could not find an apartment due to my credit score being so low as it dropped from a XXXX to in the 400s due to this ) yet they refuse to fix anything on my account. I have the utmost contempt for this company as they have made me suffer beyond words and destroying my life is nothing but a game to them.

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 2018-03-05
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted by this debt collection company three times on XX/XX/2018. First call at XXXX, second call at XXXX, and third call at XXXX. The first caller refused to discuss the alleged debt with me until I verified my mailing address. I did not feel comfortable doing so without knowing what the call was about, and politely decline. 

The third call was with a woman who explained more about the alleged debt after confirming the last four of my social. I asked to communicate via mail only, and not to be called due to their current level of excessive calls. She stated they just sent me a mailer in a white unmarked envelope with details about the debt, which seems sketchy to me. She reiterated twice that I may mistake the mail communication as Junk Mail. 

When I requested a mailing address, she asked me why I need the information if a letter is already in the mail. I explained I want to send a cease and desist certified mail to have written documentation of my request, and she immediately started to speak fast. She claimed that she updated everything in the notes of my account, and I can call the number on my ID if I have questions and rushed off the phone. 

I dont think my request for the mailing address was unreasonable, and I have reason to believe that they intend to call me excessively. I also feel it is not legal to keep such information from the consumers with alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen loan servicing has played games with the short sale process, they keep requesting the same documents over and over again. I get them on the phone they verify the documents and then I call back and they state they do not have the documents. They approved the short sale previously, then they put the homeowner in a modification review process and they had to finish that review before they would re review for short sale. This is an endless process with them and based on all conversations it appears to be intentional delay of process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
Worked out an agreement with American Express to make payments on a balance and they told me they would not report the account to credit bureaus monthly as late payments during the payment agreement but they report as 180 days late for over a year when making payments as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation