BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: CA
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 was trying to buy a car at XXXX and when they ran my credit to see if I qualified to finance through them, I was told that they could not approve me because there were one or more accounts in negative standing on my report. I looked through my credit report because I thought I didn't have any bad accounts on my credit but I saw about eight accounts on my credit report with negative payment history ; I wasn't aware of these accounts before today XX/XX/20 because none of them are mine. I didn't open any of those accounts and I did not allow anyone to open them in my name. I do not have any written or verbal contract with any of the companies I listed nor did I benefit anything from those accounts such as money, goods, services or anything else and I did not make payments towards those accounts. I have already filed a police report regarding these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
I was checking on my balance of {$2000.00}. The installments have been made before due dates but I noticed lately that a late payment fee is being added to the account of {$30.00} every month ... Every payment has been made on time ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello I have a credict card that I have always paid in time but when applied to others theaswer is negative by claiming a disgusting track record that is not true I found out about that account and it was a mistake that someone commited with my son 's XXXX account and now this messes up my record.This disgust me a lot and I want some one to fix this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a doctors visit that was paid in cash directly to the doctor himself. And I was the last patient of the day and his secretary was leaving he advised me since was a follow up visit I would n't need a receipt. I 've tried to explain to his office that if they would check the time of my arrival and appointment that day along with verifying with the Doctor surely he would remember and not attempt to take another {$40.00} from me which I do n't owe. But they were rude and refused to verify with him or allow me to talk with him directly. With all the time that has now passed the only way he could verify is to check the appointment day and see what time his office staff left against the time I was there to see if my story adds up. It 's only a principle here not the {$40.00} because this could be very profitable if it were a scam used on several unsuspecting clients whom just paid anyway. Besides the co-pay must be paid before you get to go back to see the doctor, which is more proof that I paid or are they trying to say not this one particular instance?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Booked flights with XXXX XXXX for my wife and I to XXXX in XX/XX/2021 with Chase travel. Due to Covid numbers increasing, we decided to call Chase and cancel the flights. They assured us that the cost would be credited back to the account within 6-10 weeks and we should receive an email.

After 12 weeks with no email and no refund, we called Chase for an update. We were told that we could not receive a refund because we were marked as " no shows '' for our flight, meaning that Chase never processed the cancellation with XXXX XXXX. After several hours on the phone, the Chase representative again stated that we would be getting our refund back within 6-10 weeks.

We again waited for about 12 weeks with no update, before calling again. We asked the representative to review our past calls and again after several hours, we were assured that we would get the refund back with XXXX bonus points for the trouble and it would only take 5-7 days after being escalated to a higher team. 

After several days. we received an email that again stated that we would not be receiving a refund or travel credit, this time stating that XXXX XXXX denied the refund ( attached ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12
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: Account status incorrect

Complaint:
These are misinformation that you guys keep on reporting to my credit report. I am tired and sick of it. I've contact you guys multiple times about the same issue and no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
These are misinformation that you guys keep on reporting to my credit report. I am tired and sick of it. I've contact you guys multiple times about the same issue and no change.

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 2015-10-24
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was in California for a summer program, and I got my account closed because I did not reply a letter with some security questions. 
But I check with the bank and this letter was returned to the bank, once I was not in XXXX, so I never had an opportunity to reply it. 
I called the bank and I ask to receive this letter and reopen my account on my new address in California, but the letter did not arrived. 
The only way I could get my money back, was to returning to XXXX. But I was studying in California so I could not come back. 
I am a XXXX student from XXXX, XXXX is in a huge crises and my family could not send me more money at that time. 
I got a lot of problems due this closed account, so I had to borrow money to stay there and finish my XXXX XXXX. 
Also I had to cancel a planned trip with my friends, it was very inconvenient and abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed XXXX XXXX bankruptcy in XXXX of 2019 but it was dismissed because my circumstances got better but yet it is still on my credit report I was assured by my attorney it would be removed.My circumstances got worse in XXXX of 2019 and I had to file chapter XXXX again but according to the XXXX XXXX Bankruptcy Court you have to legally wait 6 months to file any bankruptcy so technically I never filed so it should legally be removed from my 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
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 incorrect address and incorrect names in the 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
Consumer complaint received 2016-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: DISCOVER BANK
State: NC
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:
Several Dispute Letters sent to company and the Credit Reporting Agencies in reference to the accuracy of Discovers reporting. I applied for a DISCOVER XXXX credit card XX/XX/2020 and was approved however when I received the credit card and tried to activate, I couldn't. Discover stated they had to verify my identity before I was able to activate the credit card yet I had paid money for the credit card. Two weeks later Discover stated they couldn't verify my Identity so they were issuing me a refund. However Discover reported a line of credit to the credit reporting agencies the hit I took on my credit report after Discover closed the account that had never been open was XXXX points. 
The account is reported to All Credit Reporting Agencies as a Closed Credit CARD ACCOUNT AND IT SHOULDNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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
Consumer complaint received 2016-03-13
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My complaint is against XXXX XXXX XXXX and Round Point Mortgage. For the following reasons. We were approved and paid our trial period 3 years ago after the trial period was over and we paid on time we were told we have to resubmit our paperwork to be considered again. Since then we have faxed every piece of document they have asked for they either would let it expire or say they never received it. So we keep sending. XXXX XXXX XXXX has taken us to court at 7 times trying to take our home each time we appeared they knew that we in the process of a loan modification and were told a few times that we did not have to be there, but we were because we do n't trust them. The last few times we were pulled into court by them was because they said we did not appear for a court date and we did and pulled the paper work from the court to prove it. XXXX XXXX XXXX has since sold our mortgage to Round Point Mortgage servicing and we are having the same problems with them. They let our paperwork expire, I have the letters to prove it, they say they have not received it. I started emailing with an email receipt and have not received one as of yet. I have also been informed that I have a dedicated account manager, I have not talked to one since XXXX 2015.

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 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX To whom it may concern, I was looking at my credit report and I just realized that there are a ton of errors. I have notice that addresses have been showing up that I never lived at. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX OLD XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX SQ XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN

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 2016-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I 'm late in payment, there is no dispute there. The problem is how late and the lies that I 've been told both by capital one auto and speedy recovery. 

I 'm 3 months late, which is no more than {$1000.00} past due including fees. 

The repo agent came to the door and I asked him if he had a replevin order. He said a writ of possession will be filed very soon and then he left. He also told me that the past due was {$1900.00} in range. I then called Capital One Auto. 

I was told that by their agent named XXXX that I was past due {$1400.00} at the time of the call and that it was scheduled to charge off that day, XXXX XXXX, by XXXX. I told her I had just started working and could make my payment in 3weeks. She said no, it will charge off by XXXX that day. She also said that XXXX XXXX said I told them they 'd have to go legal. I never said that. I asked if it was already legal, but after three months only -- I assumed it was not. 

I did n't have the money one week later, but another rep told me that it was not about to charge off at XXXX that day. And that the first rep had deceived me. 

Today, they continue. I received an odd vmail from what I believe is the repo company requesting I call back. I 've never called that number and do n't know any XXXX. I also received a call from Capital One on my vmail stating that the loan was charged ( the word " off '' missing ) and that they were moving forward ( after only 90 days ). It charges off at the 120 day mark which would be in this month, not last month. 

The abusive concepts and scenarios are amazing and shocking to me. They literally are creating precontext for dishonesty, abuse, and deception at a major bank and recovery company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a loan with XXXX XXXX XXXX and recently transferred to Bayview Loan Servicing. 
I had received an Agreement from XXXX XXXX XXXX to be approved for the Home Affordable Unemployment Program as of XXXX/XXXX/XXXX to begin XXXX/XXXX/XXXX. I have been unemployed since XXXX XXXX, XXXX. The loan transferred to Bayview Loan Servicing on XXXX/XXXX/XXXX, and now they are NOT wanting to honor the 6 months Forbearance ( Affordable Unemployment Program ). As far as I understand the Making Home Affordable guidelines, the new Servicer is to honor any agreement previous to the account/loan transfer. Please help me settle this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NV
Product: Payday loan
Issue: Can't contact lender

Complaint:
Cash Central at XXXX XXXX XXXX XXXX, XXXX UT XXXX phone XXXX XXXX XXXX obtained a HARD Inquire from my XXXX credit files on XX/XX/XXXX without having my application for a loan fully completed. I could not provide XXXX references in order to have my application fully approved to procede with the application for a short term loan ; consequently, my application NEVER was approved. Cash Central decision to traspass my XXXX files with a HARD inquire had damage my financial needs since a HARD inquire had lowered my CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed chapter XXXX bankruptcy in XXXX of 2019 but it was dismissed because my circumstances got better but yet it is still on my credit report I was assured by my attorney it would be removed.My circumstances got worse in XXXX of 2019 and I had to file chapter XXXX again but according to the XXXX District Bankruptcy Court you have to legally wait 6 months to file any bankruptcy so technically I never filed so it should legally be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: American First Finance, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Paid loan off on XX/XX/2020 for {$1100.00}. On XX/XX/2020 the company deducted a payment of {$62.00}. I called the company and was informed the {$62.00} was pending before my payoff and was deducted from the amount. I apologized for my behavior and told them the representative should have informed me of that transaction. 
On XX/XX/2020, the company deducted SIX payments of {$62.00} causing my account to go negative. Remind you, I paid in full on XX/XX/2020. I called requesting {$500.00} to be put BACK into my account and was told Sorry for the inconvenience but we can only reimburse {$310.00} and the NSF is not the companies responsibility. My account would not be negative and there would not be {$120.00} in NSF fees if this company had not taken SIX payments in a day considering I paid off the loan a month and a half ago. I have a payment history receipt and bank statement to prove the unethical act this company has done. Because of COVID19, Im currently not working and now the money I had to provide for my kids was wrongfully taken and the company will not correct their mistake. Im requesting {$370.00} in payments taken AFTER I paid in full and {$120.00} in NSF fees the company has caused my  checking account to accumulate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please add my contact telephone number to my credit profile. My contact number is 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 2022-11-02
Company: ATG Credit, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted company explained that I didn't know about debt and it wasn't mine. Dispute open with all creditors. I don't know when it was added to my credit file {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed chapter XXXX bankruptcy in XXXX of 2019 but it was dismissed because my circumstances got better but yet it is still on my credit report I was assured by my attorney it would be removed.My circumstances got worse in XXXX of 2019 and I had to file chapter XXXX again but according to the XXXX District Bankruptcy Court you have to legally wait 6 months to file any bankruptcy so technically I never filed so it should legally be removed from my 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
Consumer complaint received 2015-09-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage was sold to bayveiw loan servicing about 14 months ago they doubled my payment because they miscalculated my escrow I was told to fax a letter requesting an escrow analysis I did and they said 30 days later they did not receive the fax It took almost 8 months to get it straighten out They would not allow me to talk to the escrow dept. XXXX XXXX I switched checking account and faxed them letter and voided check on new account and now XXXX they again have no record of it. They tod me in the beginning I could not e-mail the info and now they tell me I can they also will take the new routing # and account # over the phone but will not stop the payment from the old account. They are making it hard for me to make payments on time and there customer service is to there advantage I 'm paying fees for there lack of customer service and also there reporting late payments to them when it is there service that is causing payments to be late.

Company response to consumer: Closed with explanation