BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: Tower Loan of Mississippi, Inc.
State: MO
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:
On or about XX/XX/XXXX, I XXXX XXXX looked at my XXXX XXXX  app credit monitoring and found that Tower Loan is frivolously reporting " inaccurate information '' as derogatory this account is closed and was paid via settlement in civil litigation in XXXX XXXX court their attorneys filed satisfaction of judgement over a year ago case : XXXX and this should have stopped being reported even saying I have a balance due when it's been paid! We will be looking at filing a lawsuit against Tower Loan for this frivolous reporting innacurate info and hurting my credit score. They say it's a charged off account I owe {$290.00} for as seen attached from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loancare services my mortgage for XXXX XXXX XXXX. XXXX owns Loancare. I am trying to find information to help me decide about refinancing my mortgage, and Loancare has not responded to XXXX of my information requests for which their answers would be crucial in my decision-making process. My first request was bout when I would be able to stop paying MIP HUD-monthly payments based upon a new FHA home appraisal I had. My second request was for information about how to receive any refund I am due for Up Front MIP I paid on my loan if refinancing to a new FHA loan. Neither request has been responded to. All I have received are XXXX automated emails with ticket numbers saying I would have responses within 10 business days. More than 10 business days have passed. 
Attached please find original email request of each to Loancare. Each was assigned a ticket number and is listed on their automated email response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an error on my credit history for XXXX 2016, it showed a 30-day late payment for XXXX XXXX, which has subsequently been fixed by XXXX XXXX. This was an error that has been fixed with the updated information send to the XXXX credit bureaus by XXXX XXXX on XXXX XXXX, 2016. I was told it may take XXXX 45 days to show on my credit history. On XXXX XXXX, 2016, I checked my credit history and XXXX was the only one that made the change, while Transunion and XXXX have not made the change yet. I contacted XXXX credit bureaus and I was told to send the letter I had from XXXX XXXX stating dated XXXX XXXX, 2016 that stated the following " ... we have submitted a credit correction request to reflect the above referenced mortgage account as current ; paid as agreed for XXXX 2016. '' I uploaded this letter to XXXX indicating what had happened and to please correct the information for XXXX 2016 for this creditor, XXXX XXXX on XXXX XXXX, 2016. I send an overnight package to Transunion with a copy of the letter on XXXX XXXX, 2016 through the USPS. I received a letter from Transunion dated XXXX XXXX, 2016 and no changes were made for this creditor. No explanation why they refuse to rectify my account for XXXX 2016. I called them and after an hour on the phone, they were unable to make any changes and all they can say was to wait another 30 days ( although as of today it has been 45 days ). I called XXXX who has not responded to my dispute yet and has not fixed the problem either and they too are claiming to wait another XXXX 45 days. I do n't understand. I called the creditor, XXXX and they indicated that they have send the report on XXXX XXXX, 2016 and another on XXXX XXXX, 2016 and a follow up on XXXX XXXX. I have urged them to please fix this because is preventing me from buying a new house and since no bank will touch me because it shows a 30 day late notice with XXXX XXXX, I can not get a mortgage loan for 2 years. This is crazy since it was a mistake that has been rectified by the bank, XXXX XXXX, yet the XXXX remaining credit bureaus, Transunion and XXXX refuse to make this correction. Why are they not held accountable for fixing this? I need to know what do I have to do to expedite this process. Please HELP!

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 2016-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX continues to report inaccurate lien amounts. 
A.XXXX and IL dept of Rev failed to send proper notices to me, thus not allowing me to respond, in addressed to XXXX XXXX name B.Placed an XXXX lien. NEVER owed that C.I am sure the state of IL has hired an agency, XXXX who carelessly place errors on consumer reports hoping and using as a collection tactic. 
Delete lien amount error I need Cfpb assistance with this as they continue to report wrong information to bureaus. Even the most recent letter has wrong amount and not addressed to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
On XXXX XXXX 2016 I received a alert regarding that my score went down. When I checked there was a Hard Inquiry done on my Credit Score done by XXXX which I have n't authorized either requested any product from this company. Also this hard inquiry took my score XXXX points down. I request to revise it since this inquiry was not requested or authorized and restore my score. Also I have to mention that Transunion still has not removed old closed accounts from my Score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Bread Financial Holdings, 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 is missing that should be on the report

Complaint:
My account has not been reported to all 3 credit bureaus since XXXX. And in these 5 months I paid down my Victoria 's Secret Credit Card and paid over XXXX $ on my Ulta credit card. The lack of reporting is affecting my credit score and I need this resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05
Company: JPMORGAN CHASE & CO.
State: WV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received a letter dated XXXX XXXX, 2016 ( the " XXXX XXXX Letter '' ) from JP Morgan Chase Bank , NA ( " Chase '' or " the bank '' ). A scan of the XXXX XXXX Letter is enclosed herein as Exhibit # XXXX. I have had a checking account with Chase for over 15 years. On XXXX XXXX, 2016 I checked my balance by using the bank 's text message service. The text message response from the bank indicated balance of {$1700.00} in my account. A copy of the text message I received from the bank is enclosed under Exhibit # XXXX. On XXXX XXXX, 2016 I went in person to the bank 's branch in XXXX XXXX XXXX ( the " XXXX branch '' ). The teller at XXXX branch informed that I have {$1700.00} in my account. A copy of the receipt the teller produced is enclosed as Exhibit # XXXX. On my request the teller withdrew {$1700.00} from my account. A copy of the receipt the teller produced after withdrawing {$1700.00} from my account showing the remaining balance of {$0.00} is marked Exhibit # XXXX. The XXXX XXXX Letter alleges that my account has been overdrawn. Evidence described above and presented herein demonstrates that my account has not been overdrawn. I disputed these allegation by sending the bank a letter via XXXX CERTIFIED MAIL No XXXX XXXX XXXX XXXX XXXX that included all Exhibits stated in this complaint ( the dispute letter ) and asked that the bank reimburses me for excessive fees the bank has charged my account for the allegedly overdraft. The bank has ignored my dispute letter and charged my account with numerous fees including allegedly Insufficient Funds and Extended Overdraft fees. My XXXX XXXX dispute letter clearly stated that I dispute these allegation and notified the bank that should the bank continue to charge my account with these unjust fees I will have no choice but exercising my legal options. XXXX XXXX XXXX, 2016 at about XXXX a bank representative made a harassing phone call to my cellular phone, demanded that I pay money to the bank, and threatened that the bank will report me to debt collectors and financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a Chase customer who had fallen to hard times. I had charges against my account that were NOT paid by the bank, as in declined due to negative balance. Yet they still charge XXXX for each zap. I dont wnat to have an extra {$500.00} negative balance just in fees for NOT having the money and accounts charging were not paid either. I accept NSF fees only if the overdraft is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: JPMORGAN CHASE & CO.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Chase Finance is charging a {$10.00} " return payment '' fee for not being able to process an automatic paymentThis fee was assessed AFTER Chase had already been notified that my account had been closed and to cancel automatic payments. Chase had also already deposited checks I sent for paymentIt is clear that Chase is blatantly charging consumers fees for NO reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
i opened a new cash app after they closed my 1st cash app i had for years uploaded id to get verified to use the platform and every time i have a issue with them i get the run around with no resolution this particular ( XX/XX/19 ) instance my XXXX is not working i inquired on the problem they tell me to verify i told them i have already whats the issue they inform me that to use that feature i have to be verified i informed them i have been using the feature can you not see my account they ignore that and say send in your information again. MY thing is if i already sent in the same information what are they doing with it i see alot of ppl accts get hacked because they want front back and selfie. they ignore that as well whos in charge of cash app where does our information go and why do we have to keep giving them our information. they always say they will email me i never receive an email this company just seem bogus and it seems like they just collecting peoples information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
At the end of XXXX I got XXXX and had to miss XXXX  days of work so missed a full paycheck. I signed up for the forbearance plan and missed XXXX payment. I started making payments again and contacted the company every week for three months to get the payment moved to the end of the loan like I had been told would happen. After three months I was informed I only missed XXXX payment so I did not qualify and was instructed to go back on the plan and miss XXXX more payments in order to get the payments placed to the end of the loan. So I did what I was instructed to do. That was up at the end of XXXX. I called and thought I got the process started to move the payments, they told me they had submitted the paperwork. In XXXX I called to make the monthly payment and they refused to allow me to pay my regular payment. They say I have to pay a lump sum to catch it up. I sent in all of the paperwork and check stubs that they requested and still they have not done the modification to move the payments to the end of the loan and continue to refuse to allow me to resume payments. I need help to get this resolved before we lose our home.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Had a {$12000.00} payment transferred from XXXX to Mohela in XXXX. Was told it would take 90 days to process by both parties. After 90 days, XXXX stated they had no record of the payment and that it would have been forwarded directly to Mohela, and Mohela does not respond to email requests re this payment, and has me on hold over 2 hours to try to speak to a representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a smile generation card with Comenity Bank. They have not updated my credit report since XXXX and it is reporting the wrong balance. I have made two request to fix this, and nothing has been done as of yet I want the correct amount reflected so my credit score will be correct. They claimed it would be updated in XXXX, this is ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt collector in XXXX now they are claiming I owe them more money for a debt incurred at I time I did not open any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, GA XXXX TransUnion , LLC XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL 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 2016-05-09
Company: National Commercial Services, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
continuing harassing phone calls from this company, National Commercial Services, a specialized Subrogation & Commercial Collection Agency located in the XXXX XXXX XXXX in California. 
Continually call and leave no messages on my cell phone. 
Phone number they call from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Investigation took more than 30 days

Complaint:
I don't know the specific date or the specific amount of the transaction all I know is that there's an auto loan on my credit on my credit report they're showing under experience because XXXX and XXXX already removed it that I did not do I sent the police report on all proper documentation showing that this was fraud and they still don't want to remove it because they said that it's for documentation to prove to me to show me where it's been verified they have not been able to submit anything to me it's been over a year that I've been going back and forth with them with this issue and it's really annoying

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: KEYCORP
State: NY
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:
On XX/XX/XXXX I received a call from Key bank XXXX branch mgr. XXXX XXXX regarding my overdraft Credit line {$10000.00}. being maxed out. She supplied the phone # for Key bank - fraud dept. I immediately called and was advised to open a police report. Which I did within XXXX minutes with the XXXX XXXX XXXX XXXX. job ( XXXX ) with XXXX XXXX and proceeded directly to my XXXX branch with a copy for XXXX at which time she supplied with an affidavit to be filled out, notarized which i was able to do on the next business day XX/XX/XXXX and returned to XXXX. Sometime later within a few days the charge was removed from the account. At some point within a week or two the charge was put back through and placed back on my account. At that point I was told that Key Bank had taken the available credit and applied to a balance for my ex-wife, with the explanation that the accounts were still linked even though we visited the branch and filled out and signed all the documents they provided to separate all of our existing accounts, around XX/XX/XXXX and divorce was finalized XX/XX/XXXX. This issue was refered to XXXX office XX/XX/XXXX. Since that time I have been working with XXXX, ( XXXX ) case # ( XXXX XXXX XXXX ) with no resolution, and continue to receive collection letters and calls we are now past due more XXXX days and I am sure my XXXX XXXX XXXX is damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have several medical bills that I am trying to get paid off by XXXX 2017. My home equity will balloon at that time and I stand a chance of losing my home because I ca n't paid the loan off in 8 months and I need help to forgive as much of the medical amounts. I am trying to get them paid but I am having problems. How do I get help with this? Thanks so much if anyway I can get Help.

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 2016-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Customer service at TransUnion would not help and remove negative inquiries reporting to my credit report. 

The inquiries that need to be removed are listed below : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 2015-12-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
In XXXX a holiday purchase while travelling in XXXX was made in the amount of {$420.00} using XXXX Chase VISA. The amount plus applicable interest charges were paid in full via a telephone transaction handled by a Chase Specialist. The next billing cycle, I was charged additional interest & late fees. I called to complain since the payment was paid in full. According to the Chase Specialist, the additional interest would be waived & late fees reversed. The next billing cycle, the late fee reversal posted but the additional interest in the amount of {$6.00} was not waived. In fact, it showed as past due and additional interest in the amount of {$.00} accrued. Once again, I called to complain. This time the Chase Specialist was apologetic and advised that the Agent who processed my payment in full erred. She should have told me that she was unable to provide a Pay in Full Amount since interest is calculated the following day automatically by a computer system. I had enough. I asked whether this fiasco was impacting my credit. She said not at the time but strongly advised that the now {$7.00} be paid immediately. I proceeded to pay. Well, several months later, Chase reported the account XXXX late for {$7.00} to all XXXX repositories negatively impacting my credit. My efforts to amicably resolve this issue with Chase has been to no avail. All of the Chase Specialists state that they agree with my position but do not have the authority to resolve the issue. The matter can only be handled by a Manager in a Special Collections/Credit Section. Each time, different Manager ( s ) state in a defiant tone that the matter is closed and I need to wait 7 years for it to drop off.

Company response to consumer: Closed with explanation