BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, My name is XXXX XXXX, i have been trying to resolve problems in my credit report over a year. I found out that all the addresses and employments information in my report were incorrect and need to be removed. These problems need to be solved as soon as possible because it's gradually affect our family 's situation. Our family life have turned up side down since the COVID-19 start the fire in US. There are no income to stay at home and keep distances from people. Here are the addresses and employments information. 
**** ... .***** _EMPLOYMENT INFO *XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX 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 2023-01-18
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Credit karma consistently srates i was preapproved and was always denied. Each time causing my credit score to be checked and causing a decrease in score. Ontop of then receiving non stop offers for loans, credir cards, lower insurance and etc that just are not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: AMA Advisors, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Violation of XXXX Timely escrow payments and treatment of escrow account balances.

Loan fully paid on XX/XX/2021. Balance in escrow still has not been paid out timely. They are in violation of the 20 business days. 

Funds have not been received.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: AL
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:
This company has falsely reported this on my credit file for a year-and-a-half to two years now and I never had such account with this place claimin I owe a debt please ask for any signed documents that where signed or veribly agreed by me any form or fashion and I will pay this debt in full please verify my signature to this false debt that I never had any knowledge of or utilized any benefits or service from the company that claims I owe this debt thank u for any assistance with this matter

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 2020-05-31
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello, My name is XXXX XXXX, i have been trying to resolve problems in my credit report over a year. I found out that all the addresses and employments information in my report were incorrect and need to be removed. These problems need to be solved as soon as possible because it's gradually affect our family 's situation. Our family life have turned up side down since the COVID-19 start the fire in US. There are no income to stay at home and keep distances from people. Here are the addresses and employments information. 
**** ... .***** _EMPLOYMENT INFO *XXXX XXXX XXXXL XXXX XXXX XXXX XXXX, XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-16
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: Was not notified of investigation status or results

Complaint:
I have sent this letter months ago to the credit bureaus and did not receive any notices or responses regarding my concerns on my credit file

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 2023-05-13
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Money market Savings account and met all the requirements to receive a bonus of {$500.00}. Per Ally bank, the bonus should have deposited on XX/XX/XXXX. 

After not seeing the bonus for a month, I called and got XXXX # XXXX opened. 

Then on XX/XX/XXXX I got a voicemail from Ally bank and called them back and spoke to a person named XXXX, who informed me that the bonus was deposited, but into another account. That account is not owned by me, but by a XXXX which was set by me and my husband. 

XXXX said she will correct it and she executed a transfer of {$500.00} from the XXXX account to my account. But while this corrects the balance, the bonus is taxable and is included in the XXXX interest. I told her the XXXX interest is now wrong on two accounts. 

Hence, these are the issues involved that CFPB and regulating agencies need to look into : 1 ) ALLY Bank deposits bonus late by over 2 months 2 ) ALLY bank put the bonus into another account with different title and ownership 3 ) ALLY bank call center representative is authorized to move money from one customer 's account to another customer 's account - which is very dangerous.

4 ) ALLY bank deposits the bonus two months late and says they do not owe me any lost interest on the late deposit of the bonus, implying that they are not bound by the terms of the initial account opening agreement.

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 2019-11-14
Company: American First Finance, Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American first finance is a predatory lender and I believe they violated state and federal laws protecting consumers. We discussed what was expected and they did something entirely different.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have been struggling with Chase for my HELOC. I have been advising from Chase with many different thing. As of Active Bankruptcy of chapter XXXX, I called Chase for negotiate of my loan and to get it close due to approval of short sale from 1st lien holder. I have limited time to close but it took over 4 weeks for nothing. 
XX/XX/XXXX, I called Chase and they told me my file being service by XXXX XXXX XXXX and I need to contact them for more information. Same day, I called them and spoke to XXXX XXXX. She told me I need authorization from my bankruptcy attorney for more discussion. I have got letter sent by my attorney. I called XXXX XXXX XXXX to talk but they gone for the day XX/XX/XXXX. I called XXXX XXXX XXXX and spoke to XXXX XXXX, She told me my lien being release by Chase and decision made on XX/XX/XXXX. I asked for documentation and she said no documents to provide. OMG. I called Chase Recovery Department at XXXX and spoke to XXXX XXXX, she told me nothing to release and release lien being review by Chase. 
I dont know which one to be trust and my house is almost got foreclosure if I cant close on time as of XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/XXXX I received a letter from XXXX XXXX that XXXX XXXX paid XXXX on a XXXX XXXX XXXX of mine that was totaled out. They stated that I owe them {$1900.00}. Equifax is reporting 2 late payments XXXX and XXXX. Car was totaled in XXXX and Paid off in XXXX. Also showing I still owe XXXX with a past due balance of {$2700.00}. I filed a dipute with them XX/XX/XXXX to update my information accurately they came with results XX/XX/XXXX saying its been verified as accurate I contacted XXXX XXXX and they also stated that that is reporting inaccurately because they show me owing XXXX Total as well and did not verify that information as being correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/2014 IS A FRAUDULENT ACCOUNT AND DOES NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: T.S. Holdings
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had difficulty paying rent due to the COVID-19 pandemic. I attempted to work with my landlord but they sent my account to a debt collector without any notification. 

On XX/XX/XXXX, I received calls and letters from IQ Data International, XXXX XXXX XXXX, XXXX, WA XXXX informing me of my debt. 

On XX/XX/XXXX, I responded, disputing the amount of the data, and requesting documentation verifying 1 ) that IQ Data International is licensed to collect debts in Connecticut, 2 ) that IQ Data International is authorized to collect this debt, and 3 ) that I am responsible for the debt. 

IQ Data International responded with a listing of my debt, which in addition to my rent included substantial additional charges. They provided no additional information. On XX/XX/XXXX, I responded, again disputing the amount of the debt and requesting documentation of license to collect debts in Connecticut and their authorization to collect this debt. 

On XX/XX/XXXX, I received a letter from IQ Data International threatening that without payment they would report my debt to credit bureaus. They did not provide any of the information I requested. 

On XX/XX/XXXX, I responded again, asking for the verification information. In response, they provided no further communication and reported my debt to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I recently contacted Best Buy Credit Card-Citibank to get any and all dispute comments permanently remove from my Best Buy Credit Card file. Their credit services dept remarked the don't have a credit bureau department to do that. So, I then contacted all three credit bureaus who immediately erased the disputes comment. Within a few days I received credit alerts from XXXX  stating that the comments were added back to my Best Buy Credit Card File.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had an account with Venmo. I used it to send money to/from family and friends. I received an email from Venmo stating that my account has been frozen and to submit proper documentation to prove my identity. I submitted the documentation asked of me. Two weeks later I received an email from Venmo that they had permanently XXXX my account. They would not give me a reason as to why. They sent a very generic email stating that I violated their policy, but refuse to tell me which policy I have violated. They are currently holding {$830.00} for 180 days because of this. I have contacted Venmo numerous times and nobody can give me a valid, clear reason as to why my account was permanently deactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I know that this will affect me with my transactions in the future and so, I would like it to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-07-21
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinancing loan signed and closed on XX/XX/XXXX with CrossCountry Mortgage, LLC XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, NJ XXXX. On XX/XX/XXXX, I signed on online access and noticed the escrow amount paid to lender, 1st payment due date and interest amount paid to lender did not match the CD. Contacted the lender and servicing center on XX/XX/XXXX via secure messages & emails. XXXX XXXX XXXX, Branch Operations Manager, phone number : XXXX confirmed she had contacted their servicing center and ALL mistakes would be fixed. My online secure messages or email to the servicing center were never responded. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX with USPS stamped XX/XX/XXXX from Crosscountry Mortgage Servicing, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ILXXXX, stating they are preparing a response to my inquiry. However, the new statement dated XX/XX/XXXX was still showing incorrect amounts. Errors in my account needed to be fixed : 1.  Interest paid to lender as of XX/XX/XXXX is XXXX USD. 2. 1st payment due is XX/XX/XXXX and should be XXXX USD ONLY. 3.  Total paid year to date amount should be XXXX USD interest + XXXX USD escrow = XXXX USD. This is a NEW refinancing loan and CrossCountry Mortgage, LLC servicing center should not have problem entering the CORRECT data into their system. I am very disappointed with the service. Poor communication and inadequate to enter, correct data for their mortgage clients. I'm requesting to have all information corrected in their system and provide me with an update statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: BTH Management
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have a car financed through FLAGSHIP CREDIT ACCEPTANCE. I am being over charged for the vehicle. 23 %. I have made payments since XXXX of 2022 and it is not reflecting on my balance. My down payment doesnt reflect on the balance either. 
This company also refused to let me change my payment due date, because it cant be changed but every 6 months. I know when i can pay my bills and that is when i need my due date. I have changed my due date in XXXX because when the contract was done i requested to have my due date on the XXXX of the month and they said ok. they didnt set my date for the XXXX they set it for the XXXX. 
They are hiding fees and interest, I will never get the car paid off at this point. They are not willing to work with you on any issue you have, or willing to cooperate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CREDIT ACCEPTANCE CORPORATION
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:
These accounts don't belong to me. please remove them from all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
For the past year I have been asking CBNA/SHELL to remove me as an authorized user. I have called and sent letters to the bureaus and to CBNA directly to get 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 non-monetary relief
Consumer complaint received 2019-11-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a 2nd mortgage with Chase that was for {$25000.00}. The mortgage was opened in XX/XX/XXXX. I have made regular payments of approx. {$250.00}. every month for 15 years. They recently sent a statement saying in XX/XX/XXXX, the mortgage will have matured and I need to pay the balance of {$21000.00}. How can this be possible? I have paid them a little over {$45000.00} already. I am confused to where did all this money go to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: HYUNDAI CAPITAL AMERICA
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed a XXXX XXXX through Hyundai Motor finance on XX/XX/XXXX and made final payment on XX/XX/XXXX. As of date I have notified by personally calling said finance company to get the lien released. As of todays date XX/XX/XXXX I have been unable to get the necessary papers from them to release the lien and therefore receive a clear title for my car. After numerous phone calls and still unsuccessful, Im asking for your help to get this company to release the lien on my car.

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 2023-06-12
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. under 15usc 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604 also states that a consumer agency can not funish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX. These accounts have both violated my rights and I need my accounts to show the remarks as current. The next step is reporting to the local Attorney General of Texas.

Company response to consumer: Closed with explanation