BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: EQUIFAX, INC.
State: TN
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:
This account was set up without my consent. It was  a student account. Th e charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with Equifax and  XXXX .

  XXXX   XXXX   XXXX   XXXX   #  XXXX   
  XXXX   XXXX   XXXX   XXXX  , DE  XXXX 
( XXXX )  XXXX 
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of  120 d ays in  XX/XX/XXXX  and in
 XX/XX/XXXX <
High Balance: High balance of $  XXXX    from    XXXX   to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Estimated month and year that this item will be removed:  XX/XX/XXXX 
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX       XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This account was set up without my consent. It was a student account. The charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with  XXXX  and TransUnion.

  XXXX   XXXX   XXXX   XXXX   # XXXX 
  XXXX   XXXX   XXXX   XXXX   DE  XXXX 
  XXXX   XXXX   
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX   
>Maximum Delinquency of 120 days in   XXXX    and in
 XX/XX/XXXX <
High Balance: High balance of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Estimated month and year that this item will be removed:  XX/XX/XXXX 
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    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 explanation
Consumer complaint received 2016-11-23
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was served with a foreclosure complaint on XXXX XXXX, 2014. The alleged plaintiff is XXXX as Trustee for XXXX Master Participation Trust. However, the actual entity is XXXX TRUSTEE. This entity was created in XXXX, XXXX with an address of XXXX XXXX XXXX XXXX, XXXX. This is the same address for CALIBER HOME LOANS, XXXX MASTER PARTICIPATION TRUST, VERICREST FINANCIAL. Caliber Home Loans, the alleged mortgage servicer, is the real party who is executing this foreclosure. It appears that CALIBER has been foreclosing on many properties over the last few years using their bogus entity XXXX TRUSTEE. They alter the name to XXXX as Trustee. I contacted XXXX and they readily admit they have nothing to do with the foreclosure. XXXX says CALIBER Home loans is doing the foreclosing. I am sharing my research with all agencies, DOJ/FBI, XXXX Atty general, US ATTY GENERAL, XXXX ATTY GENERAL, and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This charge account was set up without my knowledge. I have call them and explained the situation but it still remains on my report. Account info:

SYNCB/  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX 
( XXXX )  XXXX 
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CHARGE
ACCOUNT
Date Updated:  XX/XX/XXXX 
Payment Received: $  XXXX   Last Payment Made:  XX/XX/XXXX 
Original ChargeOff: $ XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX   >Maximum Delinquency of 120 days in  XX/XX/XXXX  and in
 XX/XX/XXXX  for $ XXXX <
High Balance: High balance of $  XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX ; $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX ; $  XXXX   from   XXXX   XXXX  o  XX/XX/XXXX ; $  XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX ; $ XXXX  from  XX/XX/XXXX  to   XXXX   
Estimated month and year that this item will be removed:   XX/XX/XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX    XXXX       XXXX    XX/XX/XXXX  N ot mine and I have never been late. Please have  XXXX  and  XXXX  have this removed ASAP>

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 2015-04-06
Company: Lendmark Financial Services
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This company have put a duplicate accounts on my credit report. XXXX account ( account ending in XXXX ) does not belong to me they are reporting more than 120 days late. I open my account ( account ending in XXXX ) in XXXX 2015 XXXX payment was n't due till XXXX XXXX 2015 so how can I be 120 days late. I have never been late nor miss a payment with this company. I talk to the manager ( XXXX ) at the XXXX Ga. location which she admitted that she was the XXXX made the mistake and that she will fit it but have nothing been done yet... I have made dispute with all XXXX credit report agency cause I am a member with all XXXX but nothing have been done yet. This have made my score drop more than XXXX points and I am in the process of trying to get my house and car refinance for a better rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Trying to collect n a charged off account..i believe the statute of limitations has passed, never notified of a court date to apoear, threatening to garnish or levie wages and that no more court appearances are needed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a loan from RISE credit. I have paid {$4600.00} in 10 months and they have only applied {$580.00} towards the principal balance so far. This feels like XXXX to me. Please help! thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After XXXX letters mailed to Transunion via certified mail they have not corrected the information that is being reported. Transunion has had well over 90 days and several letters containing correct information and they have not done any investigating or reinvestigating.

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 2017-05-05
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase Slate  has multiple categories of charges or how credit is used, such as balance transfers, cash advances, purchases, " checks '', etc. Each category can have a different APR.      Chase applies payments to categories based on their own rules. According to my statement, and confirmed by a CSR, payments are applied as follows : 1. Fees 2. Interest 3. Highest APR  balances to lowest APR balances.     I have  XXXX  concerns.     1. The statement does now show how payments are applied to each of these balances. If there is a payment allocation scheme for different balances then statements should show how payments are applied.      2. On  my account, the stated APR for balance transfers is higher than the APR for purchases ; however, my balance transfer was taken under a 0 % for N months offer. It is unclear, and is not stated anywhere I can find, for the purposes of payment allocation, is the APR for balance transfers vs purchases ( and other categories ) considered to be 0 % under the promotion or the higher APR that otherwise applies.     With these  XXXX  issues, I have no idea if my purchases are paid off before my balance transfer with the possibility of the purchase balance being assessed interest until the balance transfer is fully paid or if the purchase balance is paid first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
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: Information belongs to someone else

Complaint:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX, Reported : XXXX XXXX, XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

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 2017-05-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a  XXXX   XXXX   XXXX  credit card in  XXXX   XXXX ,    2017 ( Ref  #  XXXX  ). I checked my application status online and also over the phone. My application status was " In progress '' for two weeks, until its status changed to  " Cancelled ''. American Express t hen asked for " a letter on original letterhead from your bank confirming your home address, including their title and signature. ''  American Express had  also asked for such a letter during a previous application in  XX/XX/XXXX , at that time I got a letter from the financial institution where I ban k (   XXXX   XXXX   XXXX   )  and I faxed it t o American Express ( fax num ber  XXXX  ).  American Express ac cepted the letter and approved my application.    So this time that American Express asked for the letter again, I faxed in the same letter, but they  kept not accepting the letter. I asked  XXXX   XXXX   XXXX  for an updated letter and faxed it again to   American Express, but they rejected the letter again without providing any reason. I am wondering why a letter that religiously meets all the criteria American Express requested, is being rejected for no reason.
Attached to this complaint there is a copy of the letter American Express sent to me asking for letter from my bank, along with the letter I got from my bank and sent to American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Several inquiries deleted and reinserted, customer service would not help take care of the negative inquiries reporting to my Trans Union credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-05-05
Company: CURO Intermediate Holdings
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had taken out a loan through  Speedy Cash  for payments on the  XXXX  and  XXXX  of every month in amounts of no more than {$39.00}. Informed the representative from  Speedy Cash  on their recorded line that i was recently unemployed and do n't have payment for them as well as there was no amount in the account ( which was forced to put on file before loan was issued ). The company attempted multiple times to force payment  ( s )  on  XXXX / XXXX /  XXXX   after being informed not to take payment. These now unauthorized force of payments caused multiple overdraft fee 's through my bank of $  XXXX  {$5.00} on each attempt. On  XXXX / XXXX /  XXXX    Speedy Cash  forced the multiple unauthorized ( date of  XXXX / XXXX /  XXXX   not authorized and verbally informed them on phone no funds in account to take  )  payments of {$110.00} from my  XXXX   XXXX   XXXX  sons  XXXX  which is now deposited into my account. I had called them and informed them the payments were unauthorized and to remove my form of payment immediately to which they replied we will remove the card on file and did not address the unauthorized payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX we opened a Lease with XXXX DBA XXXX KIA XXXX , XXXX XXXX. The first person on the Lease was my wife XXXX who was n't driver ( she had a driver ID only ) of the car ; 2014 KIA Soul Plus XXXX. The driver of the vehicle was me ( her husband ) ; XXXX. I was paying the lease and insurance working in XXXX. 
After I did update my XXXX insurance policy to XXXX without changing registration from XXXX ( the insurance did n't tell me anything about it! ) we where told by KIA Finance that we have no choice, but return car to them ; effectively ending the lease! My pleading with them to continue the lease by me where not honored. On XX/XX/XXXX I was forced to return the car to KIA despite my good records of payments. By the way the original car dealer in XXXX, by the name XX/XX/XXXX dissapeared. Soon after we received from KIA Finance letter with a balance of {$3700.00} for account number XXXX for Kia Soul 4dr Wgn + At, VIN : XXXX. On my phone inquiry how they came out with the amount I was told that this was the difference between the sale price and the real value of the car. On my further questions how they did calculate that became clear to me that, this was the real reason why they refused the lease to continue since they could have control over the transaction to the point of guarantee to have it in black. Question is ; who was the lucky buyer in this transaction and did KIA have any incentives to take the real value for the car. 
The whole thing looks like rigged transaction at my expense from the beginning.

Company response to consumer: Closed
Consumer complaint received 2016-10-23
Company: Pendrick Capital Partners Holding, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received ER services while covered medically thru service known as XXXX. A subsidy of XXXX. In XXXX XXXX County. I have told every single person who calls in the past 3yrs I was covered thru wat is known as XXXX, meaning I have no financial resources. I even called XXXX and was told by them to tell those who called demanding payment that I was covered. To call them and they could validate it. But when I did tell those tht called me, they refused to acknowledge this and then hung up. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am an   XXXX   at  XXXX   XXXX   XXXX   XXXX  writing to complain about the debt collection conduct of  Navient  in regards to my client.   My client graduated from  XXXX  with a degree in   XXXX  . She worked steadily for about 10 years when she was laid off in  XXXX  o f 2016. Sin ce then, she has been unemployed and struggling to find a job. My client is now in the process of starting her own business as a  XXXX . To attend  XXXX , she took out private loans with  XXXX   XXXX , which she paid regularly over the course of the time she was employed. Abo ut six mo nths ago, she ran out of money and was forced to stop making payments on her loan if she wanted to have adequate resources to pay for rent and food. Her  XXXX   XXXX  loan, which was transferred to Navient, has a balance of {$3900.00} wit h a 10.5 % inte rest rate.   Since she stopped payments, Navient has been inundating my client with calls, as often as twice a week. In the calls,  Navient  always insists she makes a payment even though my client explains she has no money with which to make it. Callers have accused her of being unwilling to pay and refusing to pay, have asked her personal questions about how she is paying her other bills, and are threatening to sue her. She asked at the beginning of her hardship if she could use a forbearance, and they told her she did n't have any forbearance left. Recently, she got a phone call saying she actually had 12 months forbearance left, and if she pays them {$50.00}, they will count the  last six mon ths she hasnt been paying as forbearance, but then will force her to go back into repayment. This would waste her forbearance and have no effect, as her  credit score  has already dropped precipitously, from about  XXXX  to in the  XXXX  range, due to the consequences of her not having been granted forbearance originally. Since that call, they have continued with the harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I m so tire of dealing disputing with Trans union and XXXX looks they are the king of the system, it seems nobody can regulate them!, I dispute XXXX hard inquires they deleted right away,, but on XXXX XXXX then they reinstate all of them again, they suppose to let me know 5 days before they reinstate them since now I was in the middle of applying for a new loan you know. is very frustrated been in the process of been qualify then I got denied because they put back the XXXX i inquires back without letting me know why was the legal reason to do that, I need your help please..the names and addresses I circle in my attachment are not mine.Transunion and XXXX keep adding new address lately.

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 2015-10-28
Company: CURO Intermediate Holdings
State: ID
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
See previous complaint for initial details. 

My account was attempted to be debited twice. Speedy Cash stated in was " impossible '' for them to have attempted a second deduction. I sent bank information proving my account was attempted a second time, regardless of what they claimed in their answer. I received an email back from them stating they would refund " ANY '' fees associated with their error after 3 days. This was a contradiction to what they were stating before when they were refusing to issue a credit even though it was verified as an error on their side. 

Speedy Cash finally issued ONE {$29.00} credit, however, they failed to issue a second credit for {$29.00} and I have now incurred a {$10.00} Negative Balance Fee from my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We are an attorney 's office who represented a client seeking mortgage assistance. She received a modification trial offer and has made all her payments on time. I have been following up with the lender for over a month for final documents and was told on XXXX XXXX, 2016 that they had no authorization for me ( despite working with me to get the mod ). I sent updated authorization and had to wait for them to apply it to the account. Now they tell me that the final documents went to our old address the day after I called in and was told we had no authorization on file, and the deadline to return the documents was on XXXX XXXX. I told them that the docs were not received, and they will only give me until XXXX XXXX, 2016 to return the documents ( that I STILL have not received ) back to them, or they will pull my client 's modification and make her reapply. I specifically asked for a supervisor 5 times in a 45 minute conversation and was refused XXXX.

Company response to consumer: Closed with monetary relief