BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, 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 2018-04-13
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:
XXXX XXXX and Experian are reporting inaccurately on XXXX XXXX XXXX  account XXXX.After repossession of a car in or aboutXX/XX/XXXX, the account was charged off for {$5800.00} in XX/XX/XXXXThe car had an auction value to reduce the loan indebtedness, yet it is not depicted in the balance histories.The charge off indebtedness increases from {$5800.00} in XX/XX/XXXX to {$9000.00}, the following month in XX/XX/XXXX.After dispute with all 3 bureaus Experian says on the report, {$7100.00} past due inXX/XX/XXXX.In XX/XX/XXXX, the reports of all 3 bureaus say {$9900.00} past due.The Fair Credit Reporting act entitles me and is required by law to be accurate, complete and clearly depicted on my credit report.All 3 bureaus are inaccurate and incomplete in the reporting of the XXXX   account and are required to correct or delete the reporting.That has not been done in any of the previous recent disputes with all 3 bureaus.

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 2019-04-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VT
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:
problem whit bayview loan servicing on my credit report about every 2 to 3 month show 30 60 90  days late on payment i alwais pay my paiment on time my credit is very lo because of them they add fee on my account for nothing they call us avery day 7 day a week for a year or more this month my payment go up over {$200.00} is t a nightmare whit them i think they XXXX people lef and right i try to fine a lawer to file a sue again them but no success yet

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Complete Collection Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Complete Collection Service continues to post debt that has previously been REMOVED! Many agencies continue this process of adding, I continue to dispute them, they get removed, then reappear under a different name ( XXXX XXXX, XXXX, XXXX, XXXX ). Some have even changed the name of the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
There are several inaccurate addresses on my credit profile still being reported. I have contacted all bureaus several times to remove the inaccurate information since I'm a victim of identity theft/fraud and nothing has been done.

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 2019-04-12
Company: American First Finance, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/19, they called me 12 times. The phone would ring, and right before voicemail, it would re ring with same number, and did it twice more, making my phone ring constantly for 4 times while bypassing voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
since XXXX XXXX I have been attempting to pay additional principal on my mortgage and it consistently gets applied to additional payments and the interest is being applied to future payments or the payment dates are not being back dated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Early Warning Services, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Paid for a product not received on XX/XX/23. Total amount of {$110.00} for tickets that were to be transferred to me after exchange of funds via Zelle. Transaction was made via Zelle, but no product received. Have screen shots of conversation between myself and the scammer. All profiles of this scammer/thief have been deleted off of XXXX platform and XXXX. Currently trying to dispute with my financial institution under Regulation EXXXX Scam was initiated on XXXX platform. Attached is the screen shot showing the transaction of my funds being transferred. Have more screen shots if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Personal information incorrect

Complaint:
My name is spelled XXXX XXXX any other way is in correct There are also addresses on my Report I never lived at. 

I uploaded my XXXX XXXX bankruptcy discharge letter from XXXX any negative credit reporting before or after should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I have a Best Buy Visa Card which was due to expire so they mailed me a new card, which was stolen from the mail. Best buy allowed someone to activate the card and make over {$7000.00} of charges on the card before calling me to verify these charges, I got a call and cancelled the card on XX/XX/2021. Since this date the charges have continued and Best Buy actually gave the woman my checking account information and allowed her to make payments on my best buy credit card which ran through my bank account three times at {$4000.00} each payment, I only owed {$900.00} on the card at that time. So my credit card was compromised for {$7000.00} and my bank account was compromised for {$12000.00}. I have done investigations and found who is doing it and have filed police reports. Problem is I told best buy to lock my account and put security measures on there 4 times and they are still discussing my account with this other person. Due to Citi Best Buy they have caused me to have to do a lot of work to try and keep my financial status safe. Best buy won't pull videos from store and won't provide me with the recorded phone conversations on my account. I want the conversations they had with me and the ones they had with this other woman. They have done everything she has asked of them and yet to do what I ask. I called again today and they gave me all my account info again without verifying the added security questions.

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 2021-02-18
Company: HYUNDAI CAPITAL AMERICA
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I refinanced my XXXX XXXX with another company and Hyundai processed an additional payment in XX/XX/XXXX. I have been trying to get a refund since then. Hyundai assures me that they will send the payment for the overage of $ XXXX. I called them on XX/XX/XXXX and was told the check will be mailed. The last communication was on XX/XX/XXXX. I asked if they could transfer the overpayment into my account because I have been told numerous times that the check would be mailed and I have not received it yet. Hyundai told me the payment would be mailed that day of XX/XX/XXXX. To date I still have not received the payment.

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 2021-02-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I XXXX XXXX XXXX the consumer entered into a financial credit transaction on this date XX/XX/2013 and the BANK that would be doing this financial credit transaction is CHASE the name printed on the top left side of the financial credit transaction contract i entered into as shown in the exhibits. a consumer credit transaction is transaction in which a finance charge is involved Pursuant to 15 USC 1605 a, a finance charge is the sum of all charges in a consumer credit transaction because i know the finance charge is the sum of all charge i did not expect to see on the contract a pay by date and the payment requests that followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Alliance Collection Agencies, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX i have called XXXX XXXX to get this resolved by explained to them that this person : XXXX XXXX XXXX is not related to me. They told me that they were going to place my account on hold and no longer send me bills nor send me to collections. They did send me to collections and now I have this on my record I would like to get this taken care of because this is not my debt and is fraud. 

I have Called 4 times and been told the same thing they went to their lead and said that everything was taken care of and that I should have nothing to worry about. This is not okay I'm very upset. I've been trying to work on my credit and this is just bring it down even more. I want to know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Avant Credit Corporation
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been paying on my loan of {$4500.00} with Avant monthly and on time every month, then I noticed that in almost XXXX years at {$150.00} per month the debt has only decreased by {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: WELLS FARGO & 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: Account status incorrect

Complaint:
I recently went to qualify for a home loan and to my surprise an old Wells Fargo Account appeared - this was fine as I am aware, but it was reporting that I was late as of XX/XX/2023 ( last month ). The account was closed, marked as paid, and settled but it is still appearing. Wells Fargo says the can make no representation on how the account appears and Im at a lost.

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 2016-08-01
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company for my homestead is simply claiming they I owe much more than I do. They will not and have not provided me proof that I owe what they say. I have provided proof of my payments and they still claim that they have the correct total. They have my home in forclosure status. They have been abusive verbally to me on nearly every phone call I make 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 2023-02-12
Company: AES/PHEAA
State: WA
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:
XXXX was my server and Inputed my income base payment information. In to syetm wrong amd made my account 180 days late which posted to my credit.. I had to taken off credit because of information. was incorrect now with new server nelnet it's back on credit report and come to find out XXXX I have asked many times from nel if I could get this info and they will not give me hard copy or email of anything of my account... well fed never fixed my loan so now it says I wad late in 2018 which messes with my investment and my income repayment vecaue it restarts it is I didn't pay which I did becauw my payments then and still now are still XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America continues to state that the loan is behind. As recent as TODAY they told XXXX XXXX that the mortgage is behind and that they are charging her {$95.00} a day in interest. This follows a " claim '' by bank of America that a check in XXXX was dishonored. Despite a complaint with the CFPB, they have STILL not provided a shred of evidence that the check was dishonored. My bank has told me the check was NEVER PRESENTED. As a result of their LOSING THE CHECK, they attempted for the 3rd time in 4 years to fraudulently force the property into foreclosure. It was only a complaint to this bureau that resulted in them backing off their BLATANTLY ILLEGAL AND TERRORISTIC behavior. However, despite not providing ANY EVIDENCE whatsoever that the check was dishonored, they are harassing XXXX XXXX and me for payment of the fees they attached during the process. Despite stating in the previous complaint they would get back to us they have NEVER responded.

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 2022-07-14
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: Account status incorrect

Complaint:
I am so upset right now. My loan was transferred to XXXX as of XX/XX/XXXX. I am filing a complaint against this servicer for failure to process a timely loan modification, inaccuracies reported to my credit bureaus and failure to apply payments properly. I had been in forbearance with my old servicer due to covid. At the end of my forbearance, I was offered to do a permanent loan modification and did my trial payments for XXXX, XXXX and XX/XX/XXXX and signed all the loan modification paper work in XXXX with a start date of XX/XX/XXXX. XXXX. I made my first payment under the loan modification on XX/XX/XXXX with my old servicer and I transferred to XXXX effective XX/XX/XXXX. Every week I am told it is still processing and to give it more time. Then last week I received XXXX notice of default letters concerning my mortgage. I called and then was told not to worry I am in loss mitigation and my XXXX is approved but need more time. I was then told that my payment I made on XX/XX/XXXX was applied to XXXX and it should have been applied to XXXX. I was then told by the XXXX it was a mistake by the rep and she did not understand the loan modification was approved but just extended to give them additional time to process. In the interim I applied for XXXX assistance due to the negligence on my account with this servicer. I can not trust anything they say. I found out today I was approved for the full past due and XXXX months forward payments. I also got a credit alert that XXXX illegally reported my account as XXXX days past due. I do not have access to my account due to their negligence and now my credit is ruined. I demand they stop ignoring me, I demand they rescind the inaccurate reporting to the credit bureau 's and I demand they apply the XXXX payments to my account and give me access to my account. I further demand that my account is transferred to a competent servicer when this is resolved and they be held liable for any bad actions my other creditors take due to their unconscionable and inaccurate credit reporting

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 2015-04-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I am reporting a man named XXXX XXXX. He calls from a disguised number and says he is the " Director of Hardship and Mitigation ''. Later he changed it to " Hardship and Litigation ''. He used to call me and just say he was collecting a debt but he has now changed his tactics with a " professional sounding title. " This man has been harassing me for years, and supposedly he says I owe money to a bank. I called the bank in question and they have no record of it, and are not suing me that they know of. 

He has called my parents and scared them, and threatened many times that there was a lawsuit, though i have never seen any papers for any lawsuit. He has repeatedly called my place of business, and my cell phone, when he does not have permission to do that.. I told him years ago to stop harassing me and he responded in a hostile manner. 

This is a false claim because if there really were some sort of lawsuit I would have been served papers. 

He keeps leaving cryptic messages, including to my parents, indicating I was in some type of danger. It scared them a lot and they called me thinking I was in the hospital or something. He stopped for a while, then started up recently, again insinuating that there was some sort of court case. 

Since I have actually dealt with other debt collection companies that are reputable, I know that he is phony.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is against M & T Bank. At the beginning of XX/XX/2023 I contacted M & T Bank to let them know that I am paying the insurance in full as it is the only way to get the policy in place. I explained to M & T that they do not need to send the check to me for the insurance as it's paid and to send it to me. Of course they did not listen and sent the check. I went back and forth with them to get my money but made no progress. A year later, I was refunded my {$4900.00}. Not everyone can go a year without having that much money and there is an opportunity cost lost for me. 

This year, 2023, they did not pay the insurance in time. The insurer, Reinsure, charged my credit card on XX/XX/2023 in the amount of {$4800.00} so that we were not left uninsured. My insurance agent has been going back and forth with M & T since then. M & T continues not to follow instructions and has mailed the payment wrong 3 times now. I got back {$4000.00} on XX/XX/2023 so I was still owed {$810.00}. Then on XX/XX/2023 my credit card was charged {$410.00} because in order to maintain the policy they had to charge that so now I am owed {$1200.00}. 

I contacted M & T through email on XX/XX/2023. Their response is not what took place. They included a number to call to help get it fixed but the automated commands sent me in circles and I could not get someone on the line. I asked them to have someone contact me directly and on XX/XX/2023 they said they would have someone contact me. No one has contacted me. 

I am in the mortgage business so I know I am not the only one who has had this issue as we sell some of our loans to M & T Bank. I can share the email communication with my insurance agent to support everything I have included above.

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