BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Southwest Credit collections made a payment arrangement with me in XX/XX/XXXX with preauthorized ACH payments for a XXXX debt I had after a divorce. The payments so far have been made on time and accordingly. When setting up arrangements I asked if this would impact my credit since I am satisfying the debt. The representative assured me since it was being taken care of and satisfied, then it would not be reported. The payment arrangement was 3 equal monthly payments totaling the amount owed, starting XX/XX/XXXX, with a final payment date of XX/XX/XXXX. When I checked my credit report in XX/XX/XXXX after the first payment, the agency had reported the debt. I called the agency to clarify there was payment arrangements made on the account and that I was told there wouldnt be any report to my credit. The agency said it wasnt there problem and they couldnt do anything about me getting false information. I had to pay it in full and they still wouldnt remove it from my credit even though they mistakenly did report it. Now my credit has gone down even further while Im trying to refinance my home to be more affordable after recently being divorced and being unemployed for almost a year. I finally am employed and am financially stable, so this has prevented me from making future adjustments because of the negative effects it had on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Avant Credit Corporation
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX WAS SETTLED OUT OF COURT AND TRADELINE WAS SUPPOSE TO BE REMOVE FROM XXXX AND XXXX. ( SEE ATTACHED ) ALSO, VIOLATED T.C.P.A. VIOLATIONS CALLING MY HOME AND CELL NUMBER AFTER SENDING CEASE AND DESIST ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a Fifth Third Bank MasterCard with an annual interest rate of 18.99 %. I use the card regularly, and I always pay off the statement balance before the due date on the XXXX of every month. For the month of XXXX, my statement period started on XXXX XXXX and the statement amount of {$1300.00} was due on XXXX XXXX. I had no other purchases from before, since I had paid off every previous statement balance in full. In order to pay off the XXXX, I was waiting for a {$850.00} check to clear my Fifth Third checking account, which it did on Monday XXXX XXXX. Before the {$850.00} cleared, I sent {$460.00} on XXXX XXXX from my 5/3rd checking via electronic transfer to the credit card. On XXXX XXXX, I sent the other {$850.00}. The bank took out the {$460.00} on XXXX XXXX. Now, when I look at my account, it shows that I paid on XXXX XXXX, even though I sent the {$460.00} on the XXXX and the bank took it out of my account immediately. XXXX, they charged me an interest amount of {$21.00}. I understand I owe interest on the {$850.00} that was a few days late, but they can not explain to me how they came up with the {$21.00}. The rep to whom I spoke thought the 18.99 % was charged monthly and did n't even know to divide it by XXXX for monthly. She got nervous when I asked her specific questions about how they calculate interest. Her explanation was " the computer calculates it that way. '' In summation:1 ) Fifth Third Bank took {$460.00} from my checking at their bank on the XXXX and waited until the XXXX to post it so that I would miss the XXXX XXXX due date2 ) They charged me an an interest amount that they can not explain the calculation behind3 ) All of a sudden my due date for XXXX is the XXXX, even though it has been the XXXX for a few years now. 
I feel like they are employing tactics that were outlawed for a few years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: LoanCare, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX/LoanCare sent a mortgage statement including an unpaid fee of {$XXXX}. I contacted them and talked to XXXX ( XXXX ), who clarified that the unpaid fee is related to a property inspection performed by the former loan servicing company XXXX. 

They said that the inspection was executed to know if anyone lives in my property, which I think is an absurd excuse since I have been paying my mortgage every month since XX/XX/2007. In more than 30 years I had dozen of mortgages and I have never been contacted to perform such inspection by any financial institutions or loan servicing companies. 

I live in a Condo unit and no one can access or visit my apartment unless Im there and authorized it. I never received such a request. If there is a fake inspection report, I would like to view it to find out how they got in without my authorization.

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 2020-03-03
Company: DISCOVER BANK
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/2020, I was a victim of scam/fraud. I immediately reached out to Discovers CEO, spoke with XXXX XXXX asking for any sympathy as a 3 year customer who never paid late. I sent all supporting documents to prove my claim. The request to reopen my account was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Experian Information Solutions Inc.
State: MD
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:
Request to remove the United States Post Office as my personal address was ignored by Experian reported XX/XX/2018. I received notification that the address reported by and on Experian file at XXXX XXXX XXXX # XXXX XXXX XXXX, Md XXXX was high risk to lenders. 

On XX/XX/2018 a consumer file was pulled from XXXX showing XXXX XXXX XXXX Unit XXXX XXXX XXXX, Md 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 2022-02-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am victim of identity theft and XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX was disputed in 2014 and wrongly reported and equifax is supporting XXXX and take money from XXXX and ignore consumer and there Rights Need to be deleted as following information is wrong : Date of First delinquency is XX/XX/XXXX. 2014 Account status is paid off Balance not correct Available Credit is 0 Date of last payment is wrong Paid in full with on condition to delete account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. In addition they are violating my Ferpa rights in sharing my medical information without my consent.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX and XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written my written instructions

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 2020-01-14
Company: DISCOVER BANK
State: IN
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:
We had many fraudulent charges on our discover card. We reported them and then received a letter saying they didnt suspect fraud. Because some of the charges were at places we shopped. I cant believe we are forced to pay for purchases we did not make. I filed a police report but they said to contact the credit card company which we did We are elderly and really didnt notice some of the fraud charges until months later. When we started looking we went back 5 months and found fraud. None of these charges were recognized by discover as fraud. What can we do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have contacted Navient on multiple occasions about lowering my payments because I can not afford to live. They refuse to work with me and tell me there is nothing they can do. Payments in excess of {$800.00} a month to them is acceptable for a single woman making less than 50K a year, 23 % of my gross monthly income. I cant afford groceries or anything else in my life and they just do not care. They offer me forbearance so they can rack up more interest at 8.5 %. They are the worst, most unfriendly and unhelpful company I have ever worked with in my life. They do not care about their customers and do absolutely nothing to try and help them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fair Col lections & Out. Acct.  XXXX . {$21000.00}.   I have no idea who this is, what this is, and ca n'  t IMAGINE who I could possibly owe this much money too!
I sent a letter to the credit bureaus asking them to verify the debt. I did n't receive a response, and now I do n't know what to do! 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 2020-01-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My information/identity has been compromised via Experian Credit reporting. XX/XX/XXXX I received an e-mail stating my e-mail address had been changed ( which i did not do ). I use XXXX   XXXX  to monitor my credit. The following day I also received a notification stating there had been a " hard inquiry '' via XXXX  using my identity. I have contacted the company that completed the inquiry ( XXXX  XXXX  XXXX  ) and they have been little or no help. They keep referring me to Experian. I have tried numerous times via telephone to reach a live person to resolve this issue. Every number I get leads to an automated message ( no options to speak to anyone ) I finally relented to sending in documentation ( my picture Id, copy of a bill in my name with address, and a screen print of the hard inquiry with the company in questions name ) requesting removal of this hard inquiry and placing a fraud alert on my accounts. I also placed a security freeze on all my accounts pending resolution. I'm mostly concerned : 1 ) with getting this removed from my credit permanently 2 ) The fact as a consumer someone can compromise my identity with a few clicks of a button and possibly a telephone call. I on the other hand have to go to great lengths ( still with no satisfaction ) to get to speak to someone to at the very least alert someone immediately to flag my account or something of this nature. It is very unsettling to just hang in the balance, until someone may receive a piece of mail and then process it, all the while someone could be out there using my personal information. Please contact me asap and assist me in resolving this issue. Thanks in advance.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act convergent account has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian 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 XXXX Experian XXXX XXXX Experian

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2015-12-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
In XXXX 2006 my XXXX year old Father who I am guardian of now, took out a mortgage loan with Fifth Third bank. It was considered a cash out refinance with my fathers desire to pay off medical bills from his deceased wife XXXX XXXX who died of XXXX the year before. There was no appraisal done on the home located at XXXX XXXX XXXX, XXXX, Ohio XXXX. The loan amount was {$110000.00}. At that time, there was no house within a mile radius worth {$110000.00}. I am assuming they used some some of automated valuation system or the loan was a 125 % predatory loan. The rate is 7.375 % and the loan is being held by Fifth Third bank because it was n't salable to XXXX or XXXX XXXX due to the value placed on the property. This caused my father to not be able to take advantage of the HARP or HASP program or any other type of loan produce due to the loan to value issue. My estimation of the value of the property today would be approximately XXXX to XXXX Dollars due to the massive amount of foreclosures in his neighborhood and general property value decline based on the neighborhood. My father is in a XXXX now and there is no possible way of selling the home for the amount he owes which is {$100000.00}. We contacted Fifth Third bank and asked for a principle reduction on the loan but was n't considered. They suggested a deed in Lieu of Foreclosure which we did not do. Foreclosure proceedings have begun and I am now researching filing bankruptcy to protect my father financially for any future ramifications of a foreclosure. My father is a retired teamster. He worked 40 years as a XXXX making a good decent living. The expense of my step-mothers XXXX took a toll on their finances and when she passed away his only true asset was his home and was forced to refinance and take cash out to pay off medical expenses. He was taken advantage of by Fifth Third bank when they gave him a loan that was never going to be paid off nor ever have the ability to sell his lifelong home for enough to pay off the loan. The money he receives now is needed for his care. Fifth Third Bank knowingly made a loan to him at an over inflated value to incent him to sign the papers at a desperate time of his life. Shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I consumer XXXX XXXX have requested my consumer file from EXPERIAN and EXPERIAN have failed to provide me with a copy of my consumer 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 2016-02-21
Company: Diversified Adjustment Service, Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My utility, XXXX XXXX was ongoing from XX/XX/XXXX in XXXX, XXXX I paid all my bills on time every month before moving to XXXX ( XX/XX/XXXX to XX/XX/XXXX ). 
I never had a {$36.00} XXXX XXXX bill balance from XX/XX/XXXX nor XX/XX/XXXX, but this collection appeared on my account in error because XXXX XXXX @ ( XXXX ) XXXX told me they never had any record of this {$36.00} owing from eight to nine years ago? So I paid it anyway but it has not been removed from XXXX credit reporting. Not only is this debt erroneous but its nine ( 9 ) years old! NOT the seven ( 7 ) years that Diversified Adjustments Collections @ XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX phone : ( XXXX ) XXXX. They are maliciously reporting this after nearly nine ( 9 ) years and have refused to stop doing so after I telephone and spoke to them XX/XX/XXXX. I DEMAND this erroneous collection to be removed from my credit report. I have been an XXXX XXXX customer since XX/XX/XXXX in XXXX, XXXX nearly 25 years and I have never missed a payment. I will mail supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Personal information incorrect

Complaint:
I REVIEWED MY CREDIT REPORT AND I NOTICE THAT MY PERSONAL INFORMATION ARE INCORRECT. 
I TOOK ACTION AND SENT A DISPUTE. IT HAS BEEN XXXX  DAYS AND THE INCORRECT INFORMATION ARE STILL IN MY CREDIT REPORT. 
THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 
PLEASE DELETE INFORMATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
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: Account status incorrect

Complaint:
THE XXXX XXXX XXXX WAS A PAY TO DELETION. 
I PAID THE COMPANY THE BALANCE THAT WAS NEEDED, IN RETURN THEY WERE TO DELETE IT FROM MY CREDIT REPORT HOWEVER IT ONLY CHANGED IT TO A PAID COLLECTION, WHICH IS NOT ACCURATE.

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 2016-08-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was just sold from XXXX XXXX XXXX to a unfavorable mortgage called carrington effective XXXX XXXX I have n't received anything from this company, I 'm scared to death about having to deal with company because of the many complaints, what can I do

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: JPMORGAN CHASE & CO.
State: NM
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I already filed a complaint against the issuer JP Morgan Chase. This is against their collection agency who is harassing me. The credit card was under my corporations name, XXXX XXXX XXXX, which filed Chap XXXX in 2011. I never agreed to, nor signed, any personal guarantees on this debt. This whole process is unfair, unethical and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation