BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
on XX/XX/2020 I received a notice from Experian that my fico credit score had fallen by 15 points, and reduced my standing from very good to good. When I looked online and compared the most recent to the last report I noticed the drop resulted from the fact that one one my credit cards went from a {$10.00} balance to {$0.00} and the notation on why my credit score dropped was ; '' Not using revolving credit ''. So I am penalized for not carrying a balance on credit cards. So they are essentially penalizing me for not being in debt. 

Neither of the other 2 credit reporting agencies skew credit scores on this fact and thus the reason I am requesting assistance and this practice stopped. 

Additionally, they show in the " what's helping your score '' using revolving credit, so again they are rewarding people for being in debt.

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 2021-01-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX XXXX I did a consumer credit transaction with Chase ( credit card ). A few weeks later I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. After receiving a significant amount of bills from Chase, I sent them two documents. The first was a debt validation letter and a cease and desist. Even after Chase receiving these documents, I still received phone calls and emails in regards to paying this so called delinquent debt. These documents were sent via the XXXX on XXXX and was delivered on XX/XX/2020 at XXXX. The documents requested that Chase respond back within 30 days and they have failed to comply. Instead, they are still reporting inaccurate information to the credit bureaus and sending me emails about this alleged debt. Today I am contacting the cfpb to get this matter resolved as quickly as possible, as the information on my consumer reports are illegal and is damaging my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This was my second go around of refinancing with Carrington Mortgage. The first time, all communications stopped and I never received a reason as to why the refinance was denied or not. 

During the second try, on XX/XX/XXXX I paid {$720.00} for an appraisal for a refinance. On XX/XX/XXXX, the appraisal was completed. On XX/XX/XXXX, the XXXX XXXX advised the refinance was still in process ; just needed to clear the appraisal and title still. On XX/XX/XXXX, I was advised from XXXX XXXX, loan processor, the following : For the exterior painting work, we will do an escrow hold back at closing. We will take the estimate you give us and hold 150 % at the time of closing from the proceeds of the loan. So if the estimate is XXXX we will hold in escrow XXXX from you at the time of closing. Then in the spring once we receive proof that the exterior work is complete we will cut the XXXX check back to you. The money is not given to the painter. It is given back to you. 

On XX/XX/XXXX, I spoke by phone with XXXX XXXX regarding the exterior paint process and what I was advised by XXXX XXXX. XXXX was not knowledgeable of how the exterior paint would work and XXXX was out of the office to consult. 

On XXXX XXXX, the following email was received by XXXX and XXXX XXXX and XXXX XXXX ( XXXX 's supervisor ) were cc 'd on the email : Hi XXXX XXXX Per our call, I have advised XXXX you want to continue with the refinance. 
Since your loan is no longer active, XXXX will need to create a new application for you. 
Once that is done, we can resume the processing on your loan. 

By XX/XX/XXXX, I received XXXX mail stating my loan application was denied due to disparaged dwelling. By phone, XXXX XXXX stated that we ran out of time because the application can only be held for so long and they had given all the extension they could. 

I am requesting my {$720.00} back for the appraisal fee, it is not my fault that we ran out of time due to the lack of knowledge of the representatives I was dealing with. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CarMax, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have made several complaints against Carmax I pay on time over pay and the loan continues to increase rather decrease the hen when I complain they temporarily correct it the need to be audited they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Professional Collection Service Inc (GA)
State: AL
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:
This debt has been paid in full since XX/XX/2019 and it still shows on my credit as a negative mark, and does not display a status. According to S10 15 U.S.C 1681h

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2021 {$400.00} was paid in full Balanced Healthcare Receivables try to collect and try to intimidate whit collection. 
I attach the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, 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:
This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XX/XX/XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEBT WAS PAID AND I WAS NEVER LATE! - Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
This is a complaint about American Express customer service. I have several fraud disputes open with American Express. They all concern the same merchant, dating back to XX/XX/XXXX. On XX/XX/XXXX, I noticed a new charge from this merchant on my card after I specifically asked about blocking this merchant. I called AmEx the same day. The fraud department representative advised the merchant was not blocked until XX/XX/XXXX. I had spoken to someone at AmEx several days prior - on XX/XX/XXXX or XX/XX/XXXX - and was assured they would block the merchant. This did not happen until XX/XX/XXXX and subsequently, a new charge was made to my card. On XX/XX/XXXX, when I inquired about the status of my investigation from XX/XX/XXXX, the representative did not know what I was talking about and asked which charge I was referring to. Each time I speak to someone from the company, I have to continually start at the beginning and go over information that they already have in their account notes. The fact that the company does not keep track of fraud complaints, nor follows through on their actions ( i.e., blocking this merchant in question ) is unacceptable, and extremely unprofessional. Their representatives appear incompetent, and have no ability to give answers that are not already from a predetermined script. I asked to speak to a supervisor, and was again given the run around ; the supervisor seemed to not know that my account had been flagged for fraudulent activity, and made no attempt to ascertain the status of my account. After 25 minutes of this, I terminated the call. Additionally, even getting a fraud investigation open was a hassle. I spoke to general customer service representatives 3 different times before they finally referred me to a fraud specialist. The fact that it took three phone calls before anyone bothered to notify the fraud department is also unacceptable. And when I did speak to a fraud representative, I was informed their system did not have the same information as the customer service system, and I was made to detail my entire story again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XXXX school loan from XXXX was sold to UAS and they will not let me know why my loan principle has not been cut by up to 40 %. Please see Case number : XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
For almost 7 months I have contacted American Express to fix an issue to where they are not applying for my payments according to the terms of the agreement. Every month they have stated that they would take care of the issue, however, they never have. This is not a new issue and they are not blind to the fact that it is happening unless it is willful blindness. I make more than the minimum payment every month but they do not break the payments up according to the contract. On several occasions I attempted to get this fixed without any resolve, however the company continues to send responds just to indicated a response however all responses to date do not address the actually issue. Payments in excess of the min payment are not being applied to the highest APR appropriately as indicated in the credit card agreement. And disputes are being closed without proper explanation. Court docs where sent the XXXX XXXX, XXXX, and XXXX XXXX without any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed the claim with bank of america on XX/XX/2020 for {$770.00} and got temporary credits, on XX/XX/2020 I got an email regarding my claim they said unable to pay " Our records show the transaction activity in question was authorized and posted correctly to your account. We relied on the enclosed documents to make our decision. '' I did not authorize those payments I was in the hospital during those time with XXXX XXXX and when I was gon na pay for my hospital bill that's when I find out about these transactions

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 monetary relief
Consumer complaint received 2015-10-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Data central Collections turn a collection over to the credit reporting agents the original debt came from HSBC and i have never did business with that company i have never received a invoice or demand letter to validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased a refurbished laptop from an advertisement on XXXX. I used my Capital One card for the purchase. The merchant sent me a receipt for the {$89.00} purchase. The receipt from the merchant looked like a XXXX receipt but I did not use my XXXX account for this purchase and this card is not attached to the XXXX account. Suspecting a scam I filed a dispute with Capital One. I received a notice from XXXX XXXX XXXX that the package was delivered. I did not receive the package and notified XXXX XXXX. They told me to file a claim with them for a lost package. I did as they instructed only to learn that a package, not my package, was delivered to a person here in XXXX with my tracking number on it. XXXX XXXX denied the claim. Capital One initially gave me a credit for the {$89.00} purchase. On XX/XX/XXXX Capital One reversed the credit and charged me the {$89.00}. I called to ask why and they told me that the merchant provided proof of delivery. I stated that the package was not delivered to me, that this is a scam. I provided via a fax to Capital One showing the tracking number and all of the information that I have received from XXXX XXXX. This scammer provided a false claim of delivery never intending to send my anything only take the money. By the way the package that was delivered to another person by XXXX XXXX weighed 75 pounds. A laptop does not weigh that much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'VE BEEN TRYING TO GET THE BUREAUS TO LOOK INTO THESE ITEMS REPORTING ON MY CREDIT REPORT BECAUSE I'M TRYING TO PURCHASE A NEW HOME FOR MY FAMILY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: DISCOVER BANK
State: MI
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:
Someone stole my identity and open up a line of credit with DISCOVER FINANCIAL SERVICES. Discover is giving me a hard time with this account I've been trying to get this removed for almost 4 years now and it is a effecting me very bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: CONTRACT CALLERS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 @ XXXX XXXX.EST spoken with XXXX and attempt made to discuss debt with original creditor XXXX XXXX XXXX. Immediately representative stated " speak with collection agency who is now handling the account, debt must be satisfied in full ''. The amount is XXXX. During this time of crisis, I'm requesting debt sent to original creditor for payment plan options.

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 2015-04-23
Company: HOVG, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bay Area Credit Services has been harassing my in-laws for an emergency room debt that has long been paid and had nothing to do with them. I 've told them the debt was paid but they do n't believe me and wo n't furnish the proof that I owe anything. I have the receipt and confirmation of payment, as well as proof from my bank account but I refuse to send them any of my personal financial information. The callers have been rude, unprofessional and abusive. They have screamed at me and hung up on me several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A collec tion agency Account Resolution Services is reporting information to all the credit reporting agencies (   XXXX   XXXX   XXXX   ) regarding collection accounts that they are not license nor bonded to collect nor report on according to the secretary of state website.. I have contacted the agency and requested that they stop reporting information that they are legally not able to do  so.

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 2015-06-20
Company: ZARVAD III S.A.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
XXXX calls my mobile phone daily asking me to " bring my account current '' with them. I have never had any loans with this company or prior contact with them. The messages are automated voice recordings made outside of hours where I can speak to someone and get them to stop. I have found that this company is based in XXXX XXXX and thus acting outside the laws of the United States and the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Credit Acceptance Corporation is fraudulently resurfacing debt on my credit reports that showed as charged off for years as a now open account with late payments to purposefully lower consumer credit report and to fraudulently re-age the debt. This is obvious because the payment amount is showing as XXXX  but it continually reports as late every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Trans Union Agency via XXXX XXXX XXXX XXXX XXXX loan applications keeps listing erroneous very harmful info on 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 non-monetary relief
Consumer complaint received 2016-09-15
Company: JPMORGAN CHASE & CO.
State: ND
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Fail to reverse unauthorized charges - fail to real email indicating I have no dam phone - fail to mail or email - all details were submitted per bank request - still have not reversed charges or send new cc card. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: The CMI Group, 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:
the following companies are reporting information on my credit reports that do not belong to me. i have been incarcarated and have not opened any of these accounts. 

1 ) XXXX XXXX # XXXX 2 ) CREDIT MGMT # XXXX And also the below listed company is reporting flase late payments on my credit reports which is false information. 
1 ) XXXX XXXX # XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief