BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-04
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare applied the mortgage payment for the month of XXXX and XX/XX/2018 to the wrong loan # and filed a late payment report with the credit agencies causing my credit to drop substantially. 

I contacted LoanCare and addressed the situation by providing the requested documents ( proof of payment with a bank letterhead showing the debit on the bank as well as the transaction numbers for confirmation ). 

I have contacted LoanCare multiple times ( Emailed 3 times to follow up, called 3 times ) and they have not applied the payments for XXXX and XX/XX/2018 to loan. 

During the most recent phone call, I was specifically told that my situation is being elevated to a supervisor and I would be contacted via a phone call in a couple of hours. It has officially been a week and I have yet to receive any correspondence. 

This company has made this mistake two separate times now ( promising contact for a resolution and not following up ) and have been completely unprofessional. I recommend you avoid them if possible.

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 2022-08-25
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a phone call from someone stating I owed money on a MasterCard that I did not apply for. I'm assuming it was from a Collector for the amount of almost {$3000.00}. I also spoke to a woman in the Legal Department and she immediately asked me to confirm my social security number over the phone, which I refused and her attitude immediately changed and she became agitated. Both people I spoke with never identified themselves and I then became very suspicious. They told me I had 48 hrs or they were filing an Injunction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file that you maintain under my Social Security number. 
AMERICAN EXPRESS Inquired on XX/XX/2020 2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: BARCLAYS BANK DELAWARE
State: FL
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: Problem with personal statement of dispute

Complaint:
As a result of Covid-19 economic situation, i paid my XXXX credit card just 1 day later. After that I call the companies, the said to me, that acording with Care Act, they gon na be able to remove the late payment. This happen on XX/XX/2020. Until today this bad report on my credit, even i made an extraordinary effort to paid my card in full. I spoke to the company in multiple ocasion, they dont care about the situation! please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute with Experian on XX/XX/XXXX and XX/XX/XXXX for wrong personal information as well as accounts and inquires. I received an email on XX/XX/2021 that stated my results were ready to view, I attempted to the results online and was told that they were not available on line and to call XXXX, I called and spoke with a XXXX who advised me that he could not get me the results and that I needed to be transferred to the dispute department. I was transferred to XXXX who was rude and wouldn't let me explain to her that I did not need help with the website but more so with the obtaining a copy of my dispute results, she advised me that they have no control over the results not being given to me and that I could check my report for the results, she then transferred me over to the fraud department where I spoke with a XXXX and he advised me that the website is not something that they handle and that there is no way for me to receive the dispute results and to resubmit it. I requested a supervisor or a manager to get some type of help or explanation why the results wouldn't be available for me to see by mail or email and he said that he could have a supervisor reach out me sometime in the future. This not the first time I have mailed letters to them with a dispute and never received the results in return.

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 2019-05-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt with HSBC Mortgage account # XXXX was " charged off '' / '' Profit & Loss Write-off '' back in XXXX as indicated in the attached old XX/XX/XXXX & XX/XX/XXXX credit reports. I received a XXXX from IRS and paid taxes on this debt as it was considered earned income. HSBC has a lien on the property and will not release the lien. I have contacted them to request this lien removal for the past 30+ days and they keep transferring me to numerous people that continue to obtain the same information from me each time i call. HSBC is trying to collect on a debt that is not owed. I am requesting that they release the lien on XXXX XXXX XXXX as this loan was charged off 11 yrs ago and I have already paid taxes on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: ENCORE CAPITAL GROUP 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 information incorrect

Complaint:
On XX/XX/2017 I have a letter from XXXX XXXX XXXX that account was paid and settled with a XXXX balance. Stating account was satisfied with no further obligation on this XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Peroutka, Miller, Klima & Peters, PA represent XXXX XXXX, XXXX which apparently purchased my account from XXXX XXXX XXXX. 

XXXX XXXX XXXX is a credit card company where I had an account. 

XXXX XXXX failed to forward any bills, invoices or statements regarding my account. They never notified me by means of any communication that I had an outstanding balanmce and never informed me that a debt had been charged off. 

PMKP has sent me a letter demanding payment of {$1500.00}. 

This is the ONLY communication from anyone regarding the XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 while traveling to an appointment I started to receive calls from an unknown number. After recieving repeated calls, I called the number back to find it was Chase informing me that my account was past due.I received 5 calls total of harrassment between XXXX-XXXX on XX/XX/XXXX. I believe I had payed that account already so I requested a payment history be mailed out. 
On XX/XX/XXXX, even after requesting a copy of my payment history, I recieved 3 more annoying calls between XXXX -XXXX. At this time i reviewed my online banking & an authorized a payment of {$200.00} to Chase. 
On XX/XX/XXXX, i get off from work to find that I already have 2 missed calls from Chase. I call the number back @ XXXX. I speak with a representative named XXXX. I informed him that i had request a payment history but I had also already sent over payment because of the amount of calls I was receiving. I informed him that the calls were excessive and his response was that it was not a representative but an auto dialer and that my payment had not been recieved. I verified with XXXX that the payment was pending on my end for XX/XX/XXXX. I again informed him that the calls were excessive and that more than 2 or 3 calls should not happen. He ignored my concern & stated he would note my account that a payment will be made XX/XX/XXXX which should end the calls. My concern is that a limit of calls needs to made with their " auto dialer ''. No customer should recieve 5 calls in one day for any reason. These calls were within a 9hrs period & often less than 2 hours apart.It is abuse and harrassment and needs to change immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2017-08-07
Company: EQUIFAX, INC.
State: GA
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:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report today and noticed that on XX/XX/2017, a collection was placed on my credit cable company XXXX. 

I currently have active service with XXXX and have never defaulted on my account. I was contacted about a year ago about having multiple services in my name including services in other states and different parts of town. 

Apparently my identity and likeness has been used to secure services in other locations.

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 2018-07-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX transferred my XXXX XXXX account to recovery in XXXX. As a CHARGE OFF. But on XX/XX/XXXX updating account 4 years later on XX/XX/XXXX as date reported. This is inaccurate reporting. Should have been as originally reported in XXXX. I need the company to remove the XX/XX/XXXX as the date reported since it was in XXXX it was reported

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Consumer Portfolio Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A claim was filed on XX/XX/2016 against me in the amount of {$9200.00}. I repeatedly get phone calls regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My XXXX Chase credit card changed the interest rate on my credit card from 10 % to 15 % in XXXX, I did not approve this change, they did not make clear that this was one of the changes ( unless it was buried in microtype ) When I called to ask and was told about this I canceled my card. Called back to have any rewards accrued added to my account. They wanted to send me a text to verify who I was, I told them ( because I have a flip phone ) I would need to hang up to get any texts. They sent me to security who approved me, sent me back and still they wouldn't access my account. I tried this several times over a 50 min period, even had security stay on the phone so they could speak to their assoc. and still they couldn't help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-07
Company: Byrider Franchising, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got a car from XXXX XXXX XXXX and was sold a lemon when I first got the car. It went hot I paid to have it towed in to them to get fixed and 3 days later it started running hot again. They never did fix I had to ride around with water in my car until I could pay someone to fix it. I wrecked the car while driving it the front end fell off and I hit something come to find out they sold me the car with the front end zipped tide on to the front of the car I knew it was loose and asked them to fix but they never did when the car was wrecked I called them because I had insurance in it through them plus warranty and they never did send anyone out or have it towed the car sat for almost 2 months until my apartment complex had it towed now they have it on my credit report as a repo instead of it being wrecked I had no AC or heat they never fixed it the horn went out the door wouldn't open with keys I was sold a overpriced lemon and its not right and I had warranty yet they still didn't fix after it was wrecked after many calls and emails that I sent I gave up they didn't care the car was not a repo the car was wrecked and they never fixes it like they promised the car sat for almost 2 months they sold me a lemon I have pictures of the damaged car and emails that I have sent and screenshots of all my calls to them yet they never sent anyone to look at the damages or call me back or even send a tow truck. Now they have me down as a repo on my credit report making my score go low and unable to get another car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRUIST FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX XXXX XXXX XXXX - XXXX applications on same day! 
XXXX XXXX XXXX XXXX XXXX Below is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I purchased a mattress online because the company ( XXXX XXXX ) stated they were working during COVID and described the handling process and also advertised same day delivery. The amount of this purchase was XXXX. Within 30 seconds of the purchase the money was taken out of my account but I didn't get a receipt. When the receipt was not provided 24 hours later I called the customer service line and received a recorded message that the company request you email versus call and that a response would be provided within 24 hours. I emailed the company but did not receive a response. I then called B of A to complain that the company fraudulently took my money and that I needed to be reimbursed, the representative implied that would be the case and opened a claim. I was not reimbursed and in fact the bank has still not responded to my numerous calls. I have received a receipt form XXXX XXXX   showing the money was returned to B of A on XX/XX/XXXX. I called BofA that day and provided them this information on the refund and requested these funds be deposited in my account immediately. Rather than reimburse me they sent a letter stating they closed the claim because it was duplicate. I still do not have the money and am now in a situation were it may cause an account withdrawal due to auto pays but at the very least has caused me not to buy groceries this month. Name XXXX XXXX Claims IDs XXXX and 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 monetary relief
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are two accounts reporting on Equifax that the company agreed to delete because they were paid in full. The other two bureaus did delete the accounts yet Equifax still reports them. It has been 90 days now and they still report it. It has been disputed along with proof sent to them. I get the virus is slowing things down but why did the other two bureaus see fit to do their job and Equifax hasn't?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Automatic Data Processing, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Call back in XX/XX/XXXX account had fraud activity and it is now XX/XX/XXXX and i  still have not received a card, Called on XX/XX/XXXX to get a check authenticated but i found out today that they put the wrong check number in the system. While i had the rep on the phone i asked could they send me another card and they are telling me now i have to send in paperwork in order to get my address changed which i didn't have to do the first time i got it changed. This company is giving me the runaround for my own money and i have bills to pay i have been more then patient with this company i just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXXI was checking my account and discovered that my account had been compromised.I reported to USAA Bank and investigation. 

They concluded that it was not fraudulent transactions. The card being used was a XXXX card in my Daughter 's name. Her name is XXXX XXXX and that is the name of the card. 

They also stated that you open an account in her name in USAA. That XXXX account was like 5 years ago once she became an adult she was responsible for that account. My daughter is XXXX years born XX/XX/XXXX. That was told to me by USAA bank. 

During that time she did not have access to my checking account or I gave her my checking account information. I did not open up a XXXX card for her or had this card connected to my checking account at any given time. 

USAA did not give me any factual documents or proof that I gave or consented to these transactions. They said that I had to dispute them and this was not fraudulent claim. I disputed them and they reach the same conclusion. 

I have not spoken to my daughter since XX/XX/2017 we do not have a relationship due to her behavior problems and issues with her life. 

I did file a report with the XXXX County Sheriff department in XXXX, NC and NO ONE! has contacted me regarding this matter. I was told by USAA total transactions was a 109. Four transactions were over {$10000.00}. I believe total taken was between 10 and 20 thousand over a 4 month period. They took out {$9000.00} in an instance and USAA did not ALERT ME! 

on my bank statements it just says XXXX E-PAYMENT and the amount and shows my daughter name. Does not show what store or items purchased.I honestly believe that my Daughter is Responsible for this with her history. 

USAA has not told me is it her that is using the card? Did someone steal the card and using her information may be one of her friends? Since the bank statement does not say City and Location and did not provide me with purchases that was made and what vendors or stores so I must explore all possibilities. 

USAA response in my denial letters is that they have documents or proof that I authorized these transactions. They have not showed to me or presented any factual documents. I still repeat and stated I DID NOT AUTHORIZE ANYONE TO STEAL OR MAKE TRANSACTIONS FROM ACCOUNT USING A XXXX CARD. I DID NOT GIVE MY CHECKING ACCOUNT INFORMATION TO MY DAUGHTER TO MAKE PURCHASES FROM IT! 

My daughter is not on any signature card with my bank account is not an authorized user on any bank account I have ever had and ever will. The only way my daughter received my information she STOLE or FORGE my name!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation