BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-02
Company: Leaders Financial Company
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I noticed once again that Leaders Financial has reported on my XXXX, XXXX and XXXX credit report that I have two 30 day late payments in XX/XX/XXXX and XX/XX/2015. I generally pay my car note within the grace period and or allowed time. This is the second time that I have had to complain about them reporting 30 day lates and ruining my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I went on XXXX. I wanted my credit score from Experian so I agreed to pay the fee. However, I feel it was not made clear to me that I would be charged a month fee from that point on until I proactively cancelled. I think this is underhanded and they are taking advantage of countless citizens that are not clearly aware of the contract they are agreeing to when requesting a score which in my opinion should also be free once per year. I feel I was tricked by the fine print scam and they refuse to give me my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Property Address : XXXX XXXX XXXX XXXX XXXX CA XXXXWe made XXXX early payments:XX/XX/2014 $ XXXXXX/XX/2014 $ XXXXXX/XX/2014 $ XXXX, the money was not applied to the outstanding loan principle on the date we made the deposit. For example, the {$380000.00} on XXXX/XXXX/2014 was applied to the loan on XXXX/XXXX/2014. The XXXX and XXXX payments were applied to the loan on XXXX/XXXX/2014. 
Why the early payment could not applied to the loan on the deposit date? Does it cause us to pay extra interest due to the delay? The loan officer did not inform us of this when we applied the loan. Our previous home loan from XXXX bank applied early payment on the deposit date. 
After talking to a staff from Bank of American customer service department, I finally understood the reason why my early payment {$380000.00} on XXXX/XXXX/2014 had to wait for 4 days until XXXX/XXXX/2014 to apply to the outstanding principle balance. He told me that any early payment can not be applied to the principle until the regular payment date and it is XXXX/XXXX/2014. When we decided to choose Bank of America for our mortgage loan, the loan officer, XXXX XXXX XXXX just told us that no penalty for early payment but did not tell us about early payment has to wait the regular payment to be applied to principle. This caused us XXXX losses. 
The first XXXX is the interest that we could earn if we keep {$380000.00} in our bank account until XXXX/XXXX/2014 and that is about {$20.00}. 
The second XXXX is the extra loan interest that we paid for {$380000.00} during the 4 days from XXXX/XXXX/2014 to XXXX/XXXX/2014 and that is about {$200.00}. 
I would like Bank of America to give us XXXX credits of {$20.00} and {$200.00}. 
Bank of America reply did apologize for any inconvenience this may have caused, but refused any financial compensation that I requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I logged in directly at their website to dispute an account on XX/XX/XXXX. The account in question is an XXXX XXXX credit card in which I am an AUTHORIZED USER. I requested them to remove that item from my credit file, I am not liable for repayment because, again, I am just an authorized user. But today, I reviewed the result of their investigation and they are saying that the account was " updated ''. How could that happen? They are essentially perjuring themselves for saying that because obviously the account is not mine. They are causing me stress and damaging my credit file. I want this deleted TODAY.

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 2015-10-23
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was a few days late paying XXXX and explained to th customer service personal that I would pay a few days after the due date and the customer service person expressed that t was late and did n't care and was gone nag to report it any ways. Now my credit score is in the toilet because of one instance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian claims that the XXXX account is mine after much evidence that this is a fraudulent account. They erased it once but decided to add it back due to " new '' evidence. 
I have provided documentation to prove that it was fraudulent activity even the credit company had statements with the wrong address. It even went to the point where the company tried to sue me but did not show up to the appointed court date of XXXX XXXX, 2016. The judge recommended that this would be thrown out because the prosecutor, XXXX XXXX, was absent to the hearing. 

Also Experian provided a false document to the Attorney General about the investigation that seemed generic at best. Experian even went as far as to reference a XXXX XXXX which is on page XXXX of the document Experian Attorney General ( not sure who XXXX XXXX plays in the picture ). I am assuming that the people at Experian use a cookie cutter letter that they send out to dispute and not really take the time out to examine the matter. 

If that is the case, Experian should be punished for neglience because people lives are at stake.

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 2016-04-19
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
On XXXX XXXX I received a letter in the mail from ECSI informing me that my account was 15 days past due and that they would report delinquency if the payment was not received in the next 15 days. Until I received this mailed notification I had no previous notice that my deferment period was over. ECSI took a financial predatory approach by notifying me only AFTER the payment was due that I owed them money, which allowed them to collect a late fee. I received no information from ECSI beforehand so that I could budget for this monthly cost and set up an automatic payment. It is also disconcerting that they are using snail mail, an outdated approach in 2016, as their main form of communication. 

This negative experience strongly contrasts with the one I 've had with my federal student loan servicer, XXXX XXXX. They notified me 6 months prior to my first payment, which allowed me to set up an account on their website, a direct monthly payment, and establish an appropriate personal budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
it seems like no one is helping me - not even your organization! I 've been disputing this information for almost a year now and not even ONCE have I received information proving these accounts to be mine! I 'm a victim of ID theft - I even have the papers that cleared my name when I had someone using my name and information to open accounts and do other criminal activities The person is the one who opened these XXXX accounts - not me. Just as in XXXX v TRANSUNION, if they had done a handwriting analysis, they would see that I am not the one who did this! Not only that, but with the XXXX account - how are they even verifying this information when both XXXX and experian both have different balances and open dates?? XXXX removed this account because they knew it to be ID theft and NOT mine! I need for someone to find out why they are violating the FCRA and not removing this from my credit file! What 's wrong with these people????? 
See my letter that I have attached that I am sending with this complaint.

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 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed XXXX accounts with Transunion for identity theft, I have submitted the same paperwork to each of these XXXX creditors as well. I have submitted an identity theft affidavit as well. Transunion has not removed these XXXX accounts for XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX yet. They have investigated and just say that it was verified. This was identity theft so ever who did it gave my information, no one has ever produced any signatures that was needed to have the account opened either. This has been hurting my credit. My next step will be to pursue claims against XXXX and the XXXX creditors in court. I am trying to avoid that as I am 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 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an unauthorized Fraud Alert on my account, I am attempting to refinance my home, but per them f the finance company will not approve my loan. 
Will you please remove the Fraud Alert. Thank you.

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 2015-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
In 2008 I received a bill from Capital One, account was opened in XXXX 2008, we contacted them and told them we had no account, did not apply, had not gotten a card, wanted no account, owed them nothing ( no transaction had been made ) and wanted it closed immediately, they said ok, it was closed. unknown by us, there was another account supposedly opened XXXX, ( a month before the other one, is n't that kind of odd? ) we never got a bill, never got a card, never applied for an account, just as we told them about the other one but this is now 7 yrs later and last month we got a bill or {$100.00}, I called and told them I did not have an account, did not want an account, did not make any transactions, do n't have and have NOT HAD a card yet we owed money? This month we got a bill again for {$100.00}, I called again, they will not close the account unless we provide them with all the information needed to open an account, NO WE WILL NOT GIVE THEM SS #, BIRTHDAY, FULL ADDRESS, so they can build an account? They hung up refusing to pull up the account with the account number, last digits and year of birth, so we have never had a card, never bought a thing, and they had negative information on the credit and a bill of {$100.00} that is growing by late fees and interest AND WE ARE NOT THEIR CUSTOMER. WE BOUGHT NOTHING. WE HAD NO IDEA FOR THE LAST 7 YEARS THAT THE ACCOUNT WAS OPEN. I want the negative information removed, not shown as paid but shown as charged without permission, and the account closed. NOW. I am thinking of buying a car and I want this removed, without having to provide them with any of my personal information because I never provided it to them in the first place. The CAP ONE XXXX attachment is the " other '' account that apparently was opened a month after the account in protest, the reporting in erroneous as well, we never had a card or made any transactions as soon as we found out about it, we closed it, we never knew about this one until last month. Why would they open more than one account within a month of each other? We never applied to open an account at all. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have completed all payments toAlly Financial. I have called Allytwice to report that XXXX isstill reporting that my account is stillopen and owing XXXX It has beenover two months and this is still notchanged on my credit report. Allyagrees that the account is paid infull. I would like Ally to contactXXXX XXXX and report my accountas paid and closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX. I have disputed and provided information about my bankruptcy been reported incorrectly 5 times. My bankruptcy was filed in XX/XX/XXXX, discharge in XX/XX/XXXX, and revoked in XX/XX/XXXX. I have called and send the required information to prove that my bankruptcy was revoked ; yet Equifax refuses to report it as revoked, but rather continues to report it as discharged. I called and spoke with the supervisors twice and they read the document provided were they clearly understood that it was revoked and they notify me that they do n't know how to fix it. This is completely unacceptable. At first they blamed it on the Court which I called and they were able to confirm the BK was revoked, in the State of Florida said information is public record and could easily be obtained. I have reach the end of the road, the information provided clearly states Revoked but Equifax refuses to report it as such and nobody in their office seems to know what to do. Their incompetence is costing me closing on a home. I called many times but only spoke with supervisors on XXXX occasions, they understand that the the document clearly states revoked but they do n't know how to deal with my case. My bankruptcy should read revoked, dismiss, or deleted from my file as said bankruptcy grant me no protection was it 's revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mortgage company, Bayview Loan, are sending me statements and increasing my mortgage stating they are escrowing my tax. I pay my own taxes and can show it. One month they created a credit card on my profile at the town of XXXX website and made two payments on my taxes without informing me and then I paid these taxes as well. As a result there was an overpayment. I complained/spoke with the town of XXXX tax collectors office and set up monthly payments to the town of XXXX for my real estate tax. The town of XXXX reversed the payment that Bayview made, however Bayview is sending me statements charging me for taxes they anticipate they will pay ( even though I sent them a letter stating I do not want them to pay my taxes ), and are continuing to charge me escrow and increasing my monthly mortgage saying they are paying my taxes, when I am already paying them myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2022-11-11
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2016-09-08
Company: PLS GROUP, INC
State: IL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I put {$100.00} on PLS XXXX prepaid card back in XXXX XXXX for services with XXXX. I was n't able to get the services, and XXXX refunded my money back to my card, but PLS will not release my money back to me after XXXX informed them that I did n't get their services. I, and XXXX, have repeatedly called PLS XXXX department to inquire about why they wo n't release my money and they have been doing nothing but lying about when my money will be released ( XXXX XXXX, XXXX, and now the XXXX ) are giving me the runaround. I ca n't get a supervisor on the line, I ca n't get my money.

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 2016-12-06
Company: United PanAm Financial Corp.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I do not have a loan with United Auto Credit, however, Employee of United Auto Credit utilized company systems to skip trace and gather private/sensitive information on me and family member for personal harassment. UAC did not notify me that my information had been searched, once they completed their investigation, I was not notified of what information had been accessed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates, claiming that we owe the amount of {$910.00} from XXXX XXXX. This account seems to have been sold many times to different debt collector companies even when I provided documentation showing proof of payment to each company. Then I would get another letter from another company. 
We have been emailing them documentation showing that the account was paid to XXXX XXXX XXXX on XXXX XXXX, XXXX in the amount of XXXX. My bank statement shows payment to XXXX XXXX XXXX, web payment on XXXX XXXX. 
I had to take a personal loan out to my grandfather to pay my debit due to a forced medical retirement from my position as a XXXX XXXX. I know we paid this!! 

We have mailed them though out the years providing proof of payment. They will not stop! on XXXX XXXX XXXX I sent XXXX emails, certified letter on XXXX XXXX, regular mail, faxed on XXXX XXXX personally contacted them on the same day. They still send letters stating that they have n't received our information. They call all day long and will not stop. This has been on my credit report and has affected my life tremendously. 

I have included documentation of the, letter, certified mail receipt, email date and time, letter from portfolio, proof of payment, fax proof and letter stating that they have not received out documentation. Please Help, I do n't know how much more I can do. This has been going on for years!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was looking at a collection noticed I received and I noticed that a medical debt was transferred in my name to a 3rd party agency. I did not give permission for this third party to receive my medical information. This is a violation of my hippa privacy rights as I did not authorize my information to be transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-09
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This claim should have been file under my XXXX insurance and I had have never received no notice of Collection this must be removed from my credit file since the collection company failed to reach me or contacted me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation