BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently asked my cousin to take me off as an authorized user on his American Express card. All was fine until I recently got an update on my credit karma showing creditor companies saying I am still on the account. I called American Express as Did my cousin and American Express had told us I am no longer on the account. I just need this updated as soon as possible to help fix up my credit and make it accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX  2. XXXX/XXXX  Account Number : XXXX Please remove it from my credit report.

3. XXXX  Account Number : XXXX  Please remove it from my credit report.

4. XXXX  Account Number : XXXX Please remove it from my credit report.

5. XXXX/XXXX  Account Number : XXXX  Please remove it from my credit report.

6. XXXX/XXXX  Account Number : XXXX Please remove it from my credit report.

7. XXXX  XXXX  Account Number : XXXX Please remove it from my credit report.

8. PORTFOLIO RC Account Number : XXXX Please remove it from my credit report.

9. XXXX-XXXX XXXX  Account Number : XXXX  Please remove it from my credit report.

10. XXXX-XXXX XXXX Account Number : XXXX Please remove it from my credit report.

11. XXXX-XXXX XXXX  Account Number : XXXX  Please remove this inaccurate information from my credit report.

12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX 13. The following personal information is incorrect Account Number : CURRENT ADDRESS :XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  XXXX  15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX  XXXX, GA XXXX-XXXX 18. XXXX/XXXX  XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my bank account and I had money in the account. I tried calling customer service and could not speak to a live representative. I was instructed to email to get assistance. I would like Chime to send my money that's due to me as soon as possible. They can mail a check with my remaining balance. Thanks you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Credit,, they report I have numerous Alias names which is not correct. I have never ever submitted an alias name from my name I 've always used my one and only name I was born with that is all. I have received mail with wrong spellings and wrong names but I have never ever ever tried to use an alias never have never will it wo n't happen but yet when companies look at my background it looks like I 've been using many aliases and it looks like nefarious scandalous activities. I want that information to be correcting it taken off

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 2022-04-06
Company: HYUNDAI CAPITAL AMERICA
State: GA
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:
My mother passed 4 days after buying out her lease from Hyundai. Been attempting to receive the title from Hyundai Motor Finance XXXX XXXX, with help from the credit union that the loan is through. Its been 3 years and no title. I sent all the info that Hyundai wanted. Even have a ticket number. Was promised by XX/XX/10 the title would be faxed to the credit union. And nothing. Please help. I have know where to turn to.

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 2019-03-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Nationstar LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Called Mr Cooper to get an update, as our negotiator has stopped communicating with us in XXXX he has not responded in XXXX to any of our requests in over two weeks. I ended up speaking with XXXX XXXX. He was extremely rude and combative. Continually interrupted me, and refused to send me to a supervisor. He said there were no updates if there was nothing in XXXX. I told him the negotiator is not responding in XXXX and we need an update on the file, and if he cant get an update for me then I need to speak to a supervisor. He then grew extremely frustrated with me, told me that the negotiators workload has just INCREASED AGAIN WITH NO ADDITONAL HIRING TO COMPSENSATE FOR THIS, that there were no updates, there was nothing he could do, and refused to send me to a supervisor. He then stated ITS NORMAL FOR A SHORT SALE TO NOT BE WORKED ON IN OVER TWO WEEKS. I explained to him that I could her the frustration level in his voice and stated that no response in two weeks is not acceptable, and I needed an update, if he can not help me then I need a supervisor. Apparently telling him I could hear his frustration level in his voice triggered an extremely combative emotional state for XXXX XXXX. XXXX XXXX became extremely combative, contined to interrupt me, refused to let me finish speaking. 

Neither XXXX XXXX nor Nationstars behavior is acceptable. I want XXXX to received additional training, as it is apparent he does not know how to control his emotions when he is at work. His representation of Nationstar is antagonistic, defensive and extremely resentful when speaking to people on the phone. The understaffing issues started over a year ago when Nationstar shut down their Arizona facility. Nationstar has done NOTHING to fix these issues. It is apparent that Nationstar has created a hostile working environment and does not have the staffing to continue their servicing obligations. 

I want Nationstar fined the maximum of $ XXXX due to their inability to fulfill their servicing obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
yes Experian has been denying my identity for 24 years I have been denied employment, housing, creditcards, i have had it hard allways trying to pay with cash because they has allways denied my identity as of today my unemployment is on hold because of my identity and its 2 days before XXXX and my XXXX don't have anything my money is jus sitting there.experian allowed me to make an account with them I use my ss number and it went thru but on my file it doesn't exist they have a different number my real number is no where on the account I call them Monday explan my case I was direted to the dispute department and was told it will e fix in 24-48 hours but it was fix in 30 min I ask can I speak to a superviser because who can make a mistake like this and I was denied no apology or anything.

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 2019-12-05
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent them documents and a police report of identity theft and they refused to follow the law and delete the fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: EQUIFAX, INC.
State: PA
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:
On 2010 XXXX XXXX my Bankruptcy was discharged, And when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.
It states these, Derogatory public record or collection filed. ( Not listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed on delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave XXXX XXXX XXXX a XXXX and I have A XXXX. XXXX XXXX is very deceiving company XXXX. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay Back worthyness.please review XXXX and Equifax too thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Experian on XX/XX/XXXXregarding several inaccurate items on my credit report. One was a judgment entered in XXXX XXXX, NJ which was paid in full. They obviously did not investigate this item and left it unchanged on my report. Same with a car loan with XXXX. I have a payment plan in place with XXXX and I make monthly payments each month on time. Experian is still reporting it as written off and still showing the original balance. Three other small credit cards also were paid in full in XXXX, XXXX and XXXX of this year. I disputed all 4 as they have a XXXX balance, Experian is still showing the balances as written off. A collection account with XXXX resulted from a dispute with XXXX XXXX in XX/XX/XXXX over a termination fee when I switched carriers. This account is too old, should be deleted and has been from my other reports. Experian did nothing to update my report at all during its dispute investigation. I tried to refile my disputes and upload documents and their website is completely ineffective. It gives error after error despite the fact that my documents meet their size and file type criteria. It also would not allow me to restate my disputes for the accounts still showing inaccurate information, therefore, it is purposely reporting incorrect information damaging my credit.

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 2017-06-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX / XXXX / 2015  {$78.00} THIS IS NOT MY ACCOUNT I DO NOT UNDERSTAND WHY THIS IS COMING UP ON MY CONSUMER REPORT. THE LAST OF THE DRIVER LICENSES IS NOT MINES AS WELL.

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 2021-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 at Bank of America which is located at XXXX XXXX XXXX XXXX XXXX, TX XXXX, United States I deposited {$450.00} into an ATM at around XXXX. However, after depositing my cash the ATM monitor read XXXX deposited. I canceled my transaction the ( ATM also was delayed in response ) and after doing so it only gave me back {$20.00} out of the initial {$450.00} at XXXX the Bank opened and I told the manager of my situation and she said that ATMs were not operated by BoA. So I had to contact costumer service via phone they said they will credit me {$430.00} on XXXX XXXX and do an investigation. However, Im filing a report for a more thorough investigation.

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 2017-06-20
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There a company name XXXX XXXX account number XXXX which is reflecting on all three of my credit reports. I do not now, nor have I ever had an account with this company. Based upon the information which they are listing as a debt, and they 're stating it was opened with a company by the name of XXXX XXXX XXXX and stating it was opened in XX/XX/XXXX. This information clearly shows that the statue of limitations have run out and does not allow XXXX XXXX to now try to collect on this debt. XXXX XXXX is trying to state that this account was open in XX/XX/XXXX and they took ownership of this debt but never notified me concerning this matter, but instead placed this on my account in the month of XX/XX/XXXX. XXXX XXXX is not within its right to collect this information and has provided false information on my report. I am asking that they remove all information from all three reports and never place this back on my account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX   XXXX  I went online to p ay one of my mortgage  payments. I saw that at the end of the transaction the amount was {$5.00} higher than my normal payment, but I had already pushed the end button. So I went back into the site the next day and looked and it showed I had paid the normal amount.   When I checked my bank account it showed {$5.00} additional. So I called them last night but they were closed. But there was a recording that said as of  XXXX   XXXX , there will be a   {$5.00} additional charge to submit your payment online.
1. I was NEVER advised in writing that his charge was going into effect.
2. This is NOT what I signed up for. Not part of our original contract and I feel it is illegal to do this now.
this is Carrington Mortgage Services, LLC   Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: ECMC GROUP, INC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
ECMC continues to send me emails about a student loan account I do not have. I have called numerous times and sent emails letting them know I am not the intended recipient of the emails and that I do not know who they are ; me and my father share the same name and neither of us have student loans. The social security number ECMC has is not mine. The address on file also is not mine. When I spoke with the telephone representative on XX/XX/XXXX they understood that I was not the person they were looking for and I asked that they kindly remove me from email notifications. I have no records on my personal credit report of ECMC. I have received nothing in the mail from them. I simply wish that they stop contacting me regarding a loan that I do not have.

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 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX is reporting multiple collections with the account numbers # XXXX, # XXXX, # XXXX, # XXXX to my credit that are past the Statute of Limitations in Utah. These collections are fully paid off and should no longer be reporting to my credit, I would like them 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 2020-04-23
Company: EQUIFAX, INC.
State: FL
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:
This complaint is about Equifax. I had placed a freeze in my credit with all three credit bureaus. I am in the process of refinancing my mortgage so I tried to lift the freeze temporarily. I manage to do it with the other credit bureaus but have been unable to do so with Equifax. When I tried to sign in I was told my user name or password was wrong. I clicked on the link to reset the password which should result in getting an e-mail but nothing happened. I tried at least 15 times. I decided to call. After answering all the questions from the automated system, which took a while, I finally was passed through to a customer service where I waited for a long time for someone to answer. When the person answered she told me the system was UNAVAILABLE and to try in a few hours. I waited 5 hours and tried again with no results trying to get the e-mail link, then called, went through the automated questions and after all that got a recording saying customer service center is closed for today. This credit bureau should be disqualified. It is inept. These companies play a crucial role in every aspect of our life and for them to fail to provide proper service there should be consequences to them. Maybe we should have only 2 credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
At the end of  XXXX   2017 , I ran into a rough financial patch. I calle d GM Financial  at  XXXX , to request a deferment on my car loan on  XXXX   XXXX ,2017. During the conversation with the representative, she informed me that " Recently there had been legislature passed  in the State of  Texas that require s Auto Finance  companies to collect a fee up front, Prior to considering customers for a deferment. '' Per the representative, the fee would have been {$970.00}. This would have been {$10.00} less th an 2 of my  regular monthly payments. The representative informed me that t he State of  Texas is the only state that requires that this fee is assessed. Per the representative the fee would be assessed to cover all of the interest from the payments, prior to completing the deferment.     This has caused me to become late on my payment from  XXXX , and it has been reported to my credit bureau. I reached out  to GM Financial for  assistance, prior to being late on my payment, and the solution was to charge me a fee that equals the same amount as the combined total of my monthly payments that I was requesting to defer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My XXXX XXXX contract ended. I then decided to keep my mi-fi device on a monthly basis. I paid the last bill and then did not use the service and cancelled the service since my XXXX service now had hotspot. I then received a bill for approximately 2 months of service. I called them and they said I owed it. I said no i do not and I checked my statements and I believed I didnt owe the bill. Since the bill was only {$110.00}. I put a disclosure on the back of the check which they cashed on XXXX XXXX 2015. The disclosure was cashing of this check you agree to remove all derogatory remarks from the credit bureaus. I still do not believe I owed this amount however I paid it to get them to stop calling me. <P/>XXXX submitted the check that I sent in with the disclaimer as an ACH. I specifically wrote a check with a disclaimer on it so that it would not be processed as an " electronic transaction '' in order for me to have a copy of the check front and back with the banks documentation. I have asked for a copy of the check from XXXX and they do not have a copy of the check because of the way XXXX processed the check. When I call XXXX for a copy of the check they said the only way I can get a copy is a court order or subpoena. <P/>XXXX is saying they " wrote the account off ''. This is not true either since I paid XXXX directly for the full amount owed. <P/>I can not upload any documents as proof of this since I do not have the cashed check through the bank. I only have an XXXX Id no.

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