BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-24
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: Information is missing that should be on the report

Complaint:
I contacted XXXX XXXX XXXX XXXX, Credit Bureau Disputes Division, via phone # XXXX and fax # XXXX to report that an account I voluntarily closed in XX/XX/XXXX had been deleted from my files with the CRAs. I am attaching copies of my letters and other documents provided to XXXX. Since the loan was not in a derogatory status when we paid it off, I expected the record to continue reporting until XX/XX/XXXX. On contacting the CRAs, I was told that XXXX XXXX instructed them to delete the record. I conclude thaXXXX XXXX mistakenly instructed the CRAs to delete the credit item after I asked the bank to remove only an invalid remark on my credit reports stating this loan was in dispute. Prior to the improper deletion, this account positively impacted my credit scores because of its age and positive payment history, and its deletion helped to lower my credit scores. My wife and I opened the joint LOC in XXXX XXXX ; it was always paid on time, and the account was in a positive status when we voluntarily closed the account around XXXX XXXX. For over 6 weeks in XXXX and XXXX I worked tirelessly with XXXX XXXX to attempt to get the item back on my credit reports. I made multiple phone calls and also wrote to the bank providing an old credit report that showed a truncated loan number. XXXX XXXX XXXX, a XXXX XXXX employee at the banks credit card executive office called me around XXXX XXXX to state that I must provide a " complete loan number as their records for this account were no longer available .... and without a complete loan number she could not assist me any further .... '' For reference, the rep provided a case number, XXXX, for my use in making future inquiries on this matter. I can not locate the old statements for this loan and I am puzzled and frustrated as to how the history of my loan with the bank can be unavailable after just a year of the account being closed. Furthermore, the historical record for this loan is still reporting accurately on my spouse 's credit report. It is my opinion that XXXX does not appreciate the importance of this matter to me and is not doing as much as it can. Please assist me in getting a prompt resolution to this matter. I am working diligently to rebuild my credit history and removal of this long-standing and positive credit record has had significant negative impact. If I should contact the FTC instead, please let me know. Thank you kindly!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: FORD MOTOR CREDIT CO.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
* My reports continue to incorrectly show me 30-days past due XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on my Ford Credit account. 
* Attaching letter dated XX/XX/XXXX requesting correction of these items including supporting documents, i.e. bank statements showing no interruption in payments for period XX/XX/XXXX-XX/XX/XXXX. 
* As of XX/XX/XXXX, I have not received a response to my XX/XX/XXXX letter. 
* REQUEST : Please help me get these items corrected on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have disputed several items on my credit report on numerous occasions that are not being addressed by the credit agency to my satisfaction. These reporting 's are either not mine, I have no knowledge of ; or are of fraudulent reporting 's to Transunion credit bureau. 

I have submitted on paper and online to Transunion. 
Sometimes I receive a response via my credit report - not from the credit reporting agency and the response I receive is " verified claim belongs to me. '' This is not possible as I am 1 ) experiencing identity theft issues currently ; 2 ) some medical claims are mine YES, but the physician making the claim is double dipping after insurance claims being filed and paid ; 3 ) in the past 6 months alone, I have had > than 90 hard inquiries being reported on my credit report that I have no knowledge of and are unauthorized.

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 2022-09-09
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Acct XXXX XXXX XXXX Georgia XXXX XXXX XX/XX/2022 Amount {$290.00} Amount {$500.00} The company refuse to except the fact that I spoke to the hospital and they do not have a bill for my name or social. They are very rude and they speck to you in a disrespectful manner. Not to mention XXXXXXXX XXXX XXXXXXXX has no contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
My statement was generated on XXXX XXXX, 2016 ; the payment was due on XXXX/XXXX/2016. I made a payment of {$1000.00} on XXXX XXXX, 2016 which I asked them to apply to my promotional balances as I had no standard purchases. I made the assumption that this payment amount would automatically include minimum payment since the payment totalled {$1000.00}. Today I checked my bill and the bank has charged me a late fee of {$25.00}, claiming I still had a minimum payment due of {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Paypal Holdings, Inc
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX paypal was going to charge me {$16000.00} when a buyer wanted to charge back all her purchases for 3 months to myself and about XXXX other merchants. We all submitted positive proof of her making the buys including government Id and her holding photos stating she was making the purchases. Paypal at first sided with all us merchants, and then later reversed themselves and charged us all with the purchase amounts. Every merchant then filed with the FBI and eventually the FBI investigated and seized her computer and the pictures were still present proving she made the purchases. Also we each filed with the CFPB against paypal and paypal then issued each of us credits for the chargebacks because paypal " violated its own policies '' regarding chargebacks. At the time paypal instituded a {$200000.00} reserve on my account for selling only, which means I would have to deposit {$200000.00} or sell {$200000.00} before I would receive any money. Paypal withheld all my remaining money at the time which was about XXXX into the reserve. So for the past year, I have n't sold anything. I only used my paypal to pay for things and had no problem with this arrangement. A couple days ago, however, paypal limited my account for no reason at all. I called in and customer service could n't find any reason why it was limited though they thought it was probably due to the XXXX XXXX XXXX incident ( the lady who tried to charge back {$16000.00} ). So now I ca n't use my account at all and paypal has been holding my money for nearly a year. The name/email of an FBI agent on the case is XXXX XXXX [ XXXXXXXXXXXX ]. He can verify what I said is true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts listed that aren't mine. Please have 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 2020-03-26
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I PURCHASED A LEASED VEHICLE FROM XXXX  XXXX XXXX BACK IN XXXX.FAST FORWARD TO XXXX, I WENT INTO THE SAME DEALERSHIP FOR AN OIL CHANGE AND WAS ADVISED THAT THEY HAD A BUY BACK PROGRAM WHERE THEY WERE BUYING PEOPLE OUT OF THEIR LEASES. SO I ENDED UP WALKING OUT THE SAME DEALERSHIP WITH A NEW XXXX XXXX XXXX. WHEN TALKING TO THE SALESPERSON WE TALKED ALL ABOUT GAP INSURANCE AND THE PAYMENTS & I THOUGHT I WAS SET. XX/XX/XXXXI WAS REAR ENDED & MY CAR WAS DEEMED A TOTAL LOSS. THE OTHER DRIVERS INSURACNE PAID $ XXXX ON THE BALANCE & THE REST SHOULD HAVE BEEN SETTLED WITH GAP INSURANCE. I HAVE TRIED TO REACH OUT TO THE FINANCE MANAGER AT  THE DELAERSHIP AS WELL TRIED TO REACH OUT TO SANTANDER ADVISING THE ACCOUNT SHOULD BE CLOSED AS IT WAS A TOTAL LOSS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
OCWEN is in the process of foreclosing on my home. OCWEN claims that I 'm thirty + payments behind, which is not so. If true, why wait so long to notify me? 
I submitted a " Complete '' Loan Modification Package XXXX, XXXX 2015. OCWEN waited until the end of XXXX 2015 to contact me stating the package was incomplete " UNTRUE ''. 
I 'm in the process of submitting yet another Loan Modification Package to OCWEN. 
When I pull up my account on the OCWEN web site it states Current Balance = {$0.00} Amount Past Due = {$0.00} Amount-Status = CURRENT. I have made copies of these statements. I do n't understand how OCWEN can get away with this malpractice? 
OCWEN hired a law firm in the XXXX 2015 claiming I had not been making my mortgage payments. It 's a good thing I had the proof that these payments had in fact been made. Not a single word back, until the Letter-Of-Demand, & Foreclosure Notice. 
Before OCWEN claimed amount due was {$160000.00}. As of yesterdays letter Ocwen states the amount due is {$270000.00}. How can this be?? 
Every time I turn around the amount they claim I owe is different. From last month to this month the amount has gone up well over {$10000.00}. How can this be?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have private loans and government loans with my private loans they help me out and getting a lower payment rate so I am able to pay them which I have been on top of them since I started with Navien it they have never been able to work with me in regards to my repayment after I let them know how many student loans I have had I 've offered to pay but at a lower cost just because the interest rate and the amount I owe has been so difficult for me financially with family and they are not able to help me in any certain way every time you call they see if there are no options and that 's the only thing we can do I always offered to pay just a lower rate just so I 'm able to pay something versus pay nothing and they adamantly say no.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I 'm being charged on a credit card account used without my knowledge after a divorce. The charges are due to identity theft. 
Already reported this account as fraudulent. The bank keeps sending me letters with overdraft charges from 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CITIBANK, N.A.
State: PA
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:
I have filed a dispute in regards to the incorrect information that is on my credit report. Which relates to late/missed payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX  Monthly Payments Sunoco/CBNA XX/XX/XXXX $ XXXX  Monthly Payments XXXX XXXX XXXX XX/XX/XXXX {$62.00} Minimum monthly payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: Americas Car-Mart, 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: Problem with personal statement of dispute

Complaint:
To whom it may concern : I XXXX XXXX did some more research on the repossession I am trying to get removed from my credit report. In the state of Oklahoma they are required to put in writing how much to get the vehicle back, when and where they are selling the vehicle such as a public auction or private auction. What time and how much. Also aren't they supposed to deduct what ever they sold the vehicle for. Please get back to me and thank you kindly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: JPMORGAN CHASE & CO.
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 is missing that should be on the report

Complaint:
I opened an auto loan with you guys on XX/XX/2018 and it is not currently reporting to my XXXX  credit bureau. The partial account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: Financial Credit Service, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a phone call at XXXX XXXX ET on XXXX XXXX, 2016 from the office of " Attorney XXXX '' of Asset Recovery A ssociates, Inc. ( ARA, Inc., phone XXXX ). The call alleged that I was named in a judgment hearing by XXXX XXXX, for a debt that was almost XXXX years old. The person on the phone asked if I was aware of this litigation, which I was not. She then proceeded to say the debt was attached to my SSN ( which she did not give ) and recited my date of birth. She kept repeating the name " Attorney XXXX XXXX '' in response to any inquiry I had, as if that was supposed to scare me into paying on the spot. I told her to send any information regarding this matter to me, in writing, and hung up. 

While I do not dispute this almost XXXX-year-old debt, I am complaining about the fraudulent, intimidation practices used to try and collect this debt. If I were truly being sued, I would have received formal, writren notification by now. 

I have also filed a complaint with the XXXX of XXXX Illinois ( XXXX complaint # XXXX ), as an internet search showed that this company had multiple complaints ( XXXX and otherwise ) against it. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: BROKER SOLUTIONS, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, signed closing documents refinancing my home. Proceeds were to be distributed to several companies to payoff other loans. The 3 day wait period ended on XX/XX/2020. Payoff amounts were based on specific dates, however, those dates have passed. I was told that checks were mailed regular mail on XX/XX/2020, which means there are no tracking numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Optio Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
COmpany called me stating the lady was from XXXX, I made a payment to XXXX, only to find out the lady lied to me and is infact a debt collector from the company Qualia Collection Svcr. This lying is misleading and wrong. I spoke to XXXX directly to make the payment in the past, and not this company. Lying is not allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Novea Portfolio Management LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously requested that an item on my credit report listed under XXXX be investigated. In my CFPB Complaint ID # XXXX submitted XX/XX/2022, I stated that I had not received a response from your company with the results of my investigation requesting to verify the accuracy of this account. 

Your response to me was dated XX/XX/2022 and you stated : -Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. 

-If you question the results of our dispute process, you may also contact the furnisher of information directly. 

I did as you told me, and I submitted a complaint to XXXX on XX/XX/2022 CFPB Complaint ID # XXXX. In their response, XXXX stated that any further questions or concerns regarding the loan should be referred to Buyers Holdings , LLC. 

I then filed a complaint against Buyers Holdings , LLC on XX/XX/2022 CFPB Complaint ID # XXXX and Buyers Holdings , LLC stated they have not reported any trade line with any bureau pertaining to the complainant and encouraged me to resolve the matter directly with the Credit Bureau and the Financial Institution that has " allegedly '' filed the trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The only address that is accurate on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX These addresses were used by fraudsters and need to be removed so my personal information is not mailed there anymore so No body will have access to my information or the ability to have access to my credit again XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My name is spelled XXXX XXXX I never used or applied with the following spelling below and should be removed and deleted Incorrect spellings of my name XXXX XXXX XXXX XXXX XXXX And I have a outdated job listed I try to remove several times which is listed below I would like removed and deleted XXXX XXXX XXXX This is my correct cell phone number XXXX These phone numbers listed below are inaccurate and are not mine 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 2016-06-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
See my previous complaint Case XXXX I received XXXX letters from Synchrony Bank both stating that the complaint was resolved and " And at this time, we consider the dispute closed. The dates of these letters, attached are XXXX XXXX, and XXXX, 2016 ( See enclosures XXXX & XXXX ). 
On XXXX XXXX, 2016 Synchrony Bank wrote me again re-instating the claim. See enclosure XXXX. 
In fact, although Synchrony Bank states they believe that the matter is valid because, '' ... that your card was present at the time of the transaction. '' Nevertheless, my card and my wife 's card have never left our possession, nor are the signatures on the transactions either that of myself or my wife. Both of our cards have chips, and had the transaction been properly completed with a chip reader they would have been denied. 
I believe that under Federal law that I am not responsible for these charges as the Bank can not confirm that the signature is that of myself or my wife. 
The fraud prevention at Synchrony Bank persists in finding reasons to invalidate my claim of fraud. Previously, for which they have appologized, they sent a letter claiming that I called them to agree that the XXXX transactions were valid. I never did so.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX XXXX XXXX Refuses to update correct information and not reporting correct balance to credit report.

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