BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: JPMORGAN CHASE & CO.
State: IN
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:
Our company XXXX XXXX XXXX issued a check to XXXX XXXX  XXXX XXXX XXXX for {$3300.00}, on XXXX the check was cashed at a Chase Bank in XXXX Indiana near the XXXX XXXX  , we were called several weeks later by XXXX XXXX that the payment was past due. We looked into our account and showed proof that it was sent and cashed, they denied ever receiving the check and demanded payment, we paid them again since this was clearly fraud upon looing at the check and felt XXXX would get our money back from blatant fraud from the Chase bank teller who cashed a check made out to a company and " scribbled out the name with a XXXX marker. 
" 6 MONTHS later '', XXXX is still telling us they are at the mercy of Chase and that there is not timeline on the check repayment from Chase, Chase will not communicate to XXXX or me on how they let their teller cash this company check that was CLEARLY a fraud transaction. 
What do I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Describe what happened so we can understand the issue ... 
I have a chapter XXXX bankruptcy listed on my credit reports with all XXXX credit bureaus. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from my credit file. The United States Bankruptcy Courts DO NOT report any activity to credit bureaus nor do they verify that the information reported is accurate because Federal law protects the privacy of most personally identifiable information reported. Credit bureaus however actively search public records for any judgments and tax liens through third party research. I would like these markings of bankruptcy removed from all XXXX credit bureaus because of defamation, negligent enhancement of identity fraud, and violation of the Fair Credit Reporting Act.

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 2017-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent dispute letters to Trans Union,  XXXX  and  XXXX . TransUnion and  XXXX  put an initial fraud alert on my credit report without my permission, against my will, and without my knowledge. My dispute letters did not indicate any type of fraud ; this action was done by TransUnion and  XXXX  unsolicited. I called TransUnion but was hung up on/disconnected six different times.I tried to call   XXXX   but can not reach a human being. I need the fraud alert that I did not request to be removed from my TransUnion and  XXXX  credit reports. I believe this may be the reporting agencys ' new tactic to avoid handling disputes from consumers.

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 2022-07-09
Company: Recovery Solutions Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have XXXX  XXXX and am supposed to be at home resting not being called by Recovery Solutions Group at XXXX XXXX pst regarding a debt. The same debt that Recovery Solutions Group is trying to collect on I have already given notice to their client that I do not wish to be contacted by telephone because I am represented by an attorney and yet they have ignored this by calling me and doing so leaving a voicemail per the attached at XXXX XXXX. 
I want XXXX to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An 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 explanation
Consumer complaint received 2022-07-09
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: Information belongs to someone else

Complaint:
In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Visited doctor 's office ( XXXX XXXX XXXX XXXX, XXXX, XXXX, NJ ) in XX/XX/XXXX. Paid co-pay amount as per the doctor 's office at the time of the visit. 
Later, we received an invoice for {$180.00} from Doctor 's office. We denied to make the payment as we were not informed by extra payment at the time of the visit. Doctor 's office hired a Debt collection company ( Savit Collection Agency ). They called us few times. We explained them our position. We reported this issue to insurance company. As per the insurance company, Doctor 's office was supposed to call insurance company at the time of treatment to find out and inform patient about total out of pocket cost associated with consultation ( doctor mostly talked about how busy he is during consultation and did n't get any treatment ). We disputed the amount due under collection. SAVIT kept sending letters for collection. 
Finally, we made full payment ( {$180.00} ) to doctor 's office on XX/XX/XXXX via XXXX XXXX credit card. 
Collection agency ( Savit ) never reported to Credit Bureaus that this matter is settled with patient. Intention was to put our credit in jeopardy. 
We opened up a case on a website ( XXXX ) in XX/XX/XXXX as we were interested in buying a house at that time. They rejected case and did n't do anything to fix our credit. 
We see this as an attempt to jeopardize our credit to give us hardship by Doctor 's office and/or SAVIT Collection Agency. 
As we speak, we are in the process getting loan for our new house. Lender is offering us higher interest rate due to my low credit score. I never had any outstanding payment and/or behind on any payments in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This is my second complaint against my wife 's mortgage company, PennyMac of XXXX, CA. XXXX. 

She was the victim of arson back in XX/XX/XXXX. Her insurance company shelled out nearly {$10000.00} for the repairs. We 've received less than {$20000.00} and that was back in XXXX. We have yet to see a check in XXXX. We have done everything they 've asked and yet we ca n't get XXXX money to repair our home. Too many excuses. 

My wife was given a trial modification. She paid all 3 months as required. She was then given a permanent modification starting in XXXX and yet we were still served with foreclosure papers. We had to go to court to let them know we were in modification. Can someone please explain to PennyMac that dual tracking is against the law? Can someone please serve PennyMac with a copy of the National Mortgage Settlement Act of XXXX so they will have their very own copy? it appears no one there has ever heard of dual tracking. At least that 's what they tell my wife when she calls. This is my final complaint. My next action will be in a court room.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Mailed dispute letter to TransUnion regarding unauthorized inquiries in my files. Moreover, filed dispute with furnishers of the disputed inquiries. Have not heard back from TransUnion or the furnishers of the disputed inquiries.

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 2020-12-09
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 2020-12-09
Company: CITIBANK, N.A.
State: IL
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:
I originally contracted and booked a trip with XXXX XXXX for XX/XX/XXXX. They debited {$4600.00} from my account on XX/XX/XXXX. On XX/XX/XXXX they informed me they would not be moving forward with my trip and that they would not be refunding my money. 
Per their contract if they did not give notice of 40 day or more the client ( myself ) had the right to request a refund or a future date. I requested a refund of which they declined to give me back my money. This was in XX/XX/XXXX. I at that time disputed the charge with Citi Bank. I was denied my claim because XXXX XXXX said that they were rescheduleling my trip to a future date of XX/XX/XXXX. 

On XX/XX/XXXX from XXXX saying they were NOT going to give me my money back, they were NOT rescheduling my trip and that they were going into bankruptcy. I then went back to Citi to reopen the dispute and appeal as XXXX did NOT do what they promised. 

Citi bank has now for the XXXX time denied my claim even though if the service was for a future date they are suppose to honor it and re open this dispute.

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 2022-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent the following but forgot to attach a document. I received the attached settlement letter from XXXX XXXX XXXX XXXX ( XXXX ). I owe nothing for XXXX reasons. I never had possession, fraudulent loan, BUT at a minimum, if XXXX had done their job as a professional company, we would not be talking today. XXXX and Experian did not have permission to access my private credit report. See attached application / permission sent to me by XXXX as reason for accessing my credit report. It is incomplete and should have not been processed AS IT EVEN STATES AT THE TOP OF APPLICATION! It is incomplete and undated. Experian can waste my time and their time by punting this to XXXX who will deny deny deny. XXXX will not admit an error, would rather extort a settlement from me, and dangles poor credit over the heads of consumers..

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 2022-07-09
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello respected Official, I have refinanced with XXXX XXXX XXXX in XXXX. I have paid first payment to XXXX XXXX XXXX in XX/XX/2020 in the amount of XXXX loan is sold to HomePoint financial in XX/XX/2020. I have paid amount of XXXX in XXXX to HomePoint financial in XXXX XXXX however only one payment is applied to loan. I have reached Homepoint and XXXX XXXX XXXX to report the issue by mail and on phone as well. I have attached the proof. Please help me to resolve the issue and They should not repeat such type of false practice. thank you. 


Contact Us - Homepoint https : //www.homepointfinancial.com XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have for a year been trying to have Experian stop reporting inaccurate information on my credit file. I have showed them my tax transcripts, proof that 3 accounts ( XXXX XXXX Partial Acct # XXXX ; XXXX XXXX XXXX XXXX Partial Acct # XXXX ; XXXX XXXX XXXX Partial Acct # XXXX ... XXXX ) could not possibly be mine. At the time of the opening of these accounts I did not have a job or proof of income nor did I file for taxes, so no bank would ever have given me any type of loan. Despite of showing proof that these accounts are inaccurate, I have requested them to show proof that they have the right to report this information 6 times which they have not provided at all. This is a continuing violation of my rights as a consumer and against the Fair Credit Reporting Act regulation. XXXX and XXXX  have stopped reporting these inaccurate accounts. I have showed Experian proof of this on my last dispute and still concluded that they will not be deleting these accounts even though every other Credit Bureau has stopped reporting them, which further proofs inaccuracy on my credit reports. I have also file a report with the XXXX  last week as they continue to implement unprofessional, childish stall tactics wasting everybodys time.

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 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 and Transunion are reporting incorrectly that I am in Collections, and 120 days or more past due, on the XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 17 and 18 of the attached credit report. I have rehabilitated these accounts and I am no longer in collection status. Also attached are copies of my bank statements reflecting these payments in accordance with my agreement for the rehabilitation program. This incorrect reporting is harming my credit score.

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 2017-10-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureau report XXXX XXXX late on my credit report. I was never late. I pay on time

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 2016-07-22
Company: Americas Car-Mart, Inc.
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
America 's Car-Mart is a used car franchise headquartered in XXXX, AR and operating in XXXX states. They are a publicly traded ( symbol CRMT ) version of the " tote the note '' car lots of old and as such, they participate in a variety of shady and/or outright dishonest practices. 

Car-Mart currently has a promotion that claims you can buy a car for " {$100.00} down '' with signs on the road, signs on the cars, and a sign on the front of the store. But once you go in to inquire about it you find that it actually only applies to a small percentage of the cars they have in stock. And later, you find that it is n't actually {$100.00} down. It is {$100.00} OF the down and you still owe the rest on top of the payments. 

I picked out a car which they said was included in the program - a XXXX Mercury Grand Marquis. And what I found was that once you go inside to actually do the paperwork, the deal changes to, you pay {$100.00} of the down payment and still owe the rest ( in this case, about {$1600.00} ) which they finance on top of your weekly or monthly payment. The result is that you 're buying a car worth maybe {$5000.00} ( per the actual condition ), and you 're paying over {$8000.00} and it is n't {$100.00} down. It is {$100.00} OF THE down which results in payments of almost {$500.00} a month for the couple of months, a lump sum of the rest of the down payment ( in this case, {$690.00} ) and then regular payments of {$180.00} twice a month. If that is n't bad enough the car I pursued had XXXX mismatched tires, XXXX of which looked like they could blow out any day. 

I have a copy of the promotional material which states the terms, a copy of the proposed contract which shows the real terms, and the XXXX XXXX XXXX report which shows the actual value of this particular 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 2015-12-10
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
As a result of filing a complaint for Case number : XXXX, Ditech has now accelerate the note to default because they claim they did n't know if we wanted to stay in the home and were restricted from calling us. This is unfair practice, not true and retaliation! I have made many attempts to call and left messages to response to my calls with no return calls. I have asked for repayment documents agreement and have never received them. We are only 2 months behind and when we finalize selling one of our assets, we will bring the mortgage up to date. Please advise on how we can stop Ditech from conducting this unfair practice and the acceleration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed chapter XXXX XXXX 2007. It was dismissed not discharged. It has been well over 7 years since the date filed and Equifax refuses to remove it. Also I have XXXX federal tax liens on my report that have been paid and released that were filed XX/XX/2007 and XX/XX/2007 and have been well over 7 years. Equifax refuses to remove all XXXX public records but XXXX and XXXX have done so. I would like these records removed please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions 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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2015-12-25
Company: GMA Investments, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My sister started receiving calls from a placed called Summit Receivables ( XXXX ) regarding a undisclosed debt on XX/XX/XXXX. After receiving a message from my sister I contacted the number above. When I called they would not identify the debt in question. They tried to ask for my ssn to look up the supposed account. I did n't give it to them. I had to call back a few times because the people would yell at me and hang up the phone.. Whenever I would request some sort of debt validation. They never identified the debt over the phone nor did they send any letter of validation after I contacted them. I also reviewed my credit and I do n't see any collection activity from Summit Receivables. My sister contacted me again the other day stating that she is still receiving call from them even though I called them from my number. She said that now they are claiming it 's in regards to " her debt. '' they might be contacting my dad as well, as he told me yesterday a collector called him weeks back asking for me. I have n't put any of these family members on any credit related items. I think this is a scam.. I have researched online and found many other people complaining about the same place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation