BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
citizen One Home Loans incorrectly reported my XXXX mortage payment as late when they, in fact, had the payment and posted to a suspense account. They then reported my mortgage payment as 30 days past due to the credit bureaus. I have contacted them every workday since XX/XX/XXXX, when they had they payment and recognized they did, but they can't fix their system. It continues to show the mortgage as 30 days past due. 
From what this looks like it is a systems prblem as everyone I tak to at the bank says it is not late, bu they can't fix it they need to wait for the system to work through it. Meanwhile every other creditor we deal with is getting nervous and contacting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'd like to remove my fraud alert and freeze from my credit because I'd like to activate utilities in my house but they need to run my credit and they say it's block, Please remove my extended fraud alert. 
I have been trying to contact you by phone but it is so hart to get through. 

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 non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: MD
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:
I disputed something with the credit reporting agency, after 30 days they did not remove it which is in violation of code US code 15 USC Sec. 1681i ( a ).

I want this information deleted off 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 non-monetary relief
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'd like to remove my fraud alert and freeze from my credit because I'd like to activate utilities in my house but they need to run my credit and they say it's block, Please remove my extended fraud alert. 
I have been trying to contact you by phone but it is so hart to get through. 

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 2017-05-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
#  XXXX   )   ARS  {$890.00} i  XXXX   XXXX  have contacted  ARS  about this debt. However, they referred me to send a signed    XXXX    statement, and this debt is still on 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 2016-10-21
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am once again having a issue with the way that this finance company handles accounts. I have a vehicle loan with this company and it seems that they are more interested in taking car back than assisting customers. I have had this loan and worked very hard to get my account caught up. Once it was caught up I was injured at work and needed to miss payment while waiting for short term payments to start. I called to see if my payment can be deferred to the end of my contract or held for a month until payments started and no one at company was willing to help. The only reply I get from them is that my car will be shut off and picked up.

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2018-09-21
Company: UNITED MORTGAGE CORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a hurricane in 2017 and our mortgage company agreed to defer Two months payments to the end of our loan. They are now requesting the two months mortgage! This was not the agreement! The two months was supposed to be added to the end of our loan! No supervisor will call me back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
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 had saw in my checking account that {$3300.00} was transferred from my primary bank ( first National ) to a bank I dont have an account open for ( XXXX XXXX  ). This was done on XX/XX/XXXX. I went ahead and contacted first national and filed a complaint directly through them. Im currently ( XX/XX/XXXX ) waiting for the paper work from them to complete the complaint process. This is also the second time in two months that unauthorized payments have been taken directly from account. Im not sure if my identity has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am receiving emails on my work email from a collection agency named TrueAccord, stating that they are collecting for another collection agency XXXX XXXX. The emails are from a XXXX XXXX and XXXX XXXX. They are aggressive and frequent I asked him to stop emailing my job but to no avail. They are in violation of the FDCPA. 
I don't know the account they are stating that I owe. I can lose my job over getting personal emails at work and it MUST STOP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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 information incorrect

Complaint:
I sent 2 letters last month because I noticed there was inaccurate on my credit report but the accounts were never 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 2022-07-26
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 information incorrect

Complaint:
I sent 2 letters last month because I noticed there was inaccurate on my credit report but the accounts were never removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
i purchased XXXX XXXX XXXX from dealer in XXXX and was told I had to take a loan and I could pay off within next 30 days. 
When I attempted to pay the loan I was told i could only pay {$2000.00} a month toward loan. I made many attempts online to make full payment but chrysler finance online will not allow it. 
I called and did not get any response. Finally chrysler told me this limitation is to protect fraud. The loan papers i signed did not specify {$2000.00} payment limitation per payment. I have paid off loan last month since it was about {$10000.00} in {$2000.00} increments. I have not paid intrest of {$100.00}. 
Chrysler is now threatening to report me to credit bureau and not release title. Due to covid Chryler does not answer phone and fails to provide contract copy..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: EOS Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was obtained in a different county that i have never live in. I never had service with XXXX ( original creditor ) in 2012, which is when the service was disconnected as i was told by EOS CCA. I have never seen a bill for this debt ever! I only know about this debt because i had my credit checked to get a credit card through my bank. It is completely shocking to me that this EOS CCA can still say i owe this debt without even proving how i owe the debt. I was sent by EOS CCA saying they verified that it is my debt but never sent any information to back up their allegation of owing debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: PA
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 items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had a loan with Wells Fargo, they repossessed the car and sold it- now I owe over {$15.00} still from a $ XXXX loan. I need assistance and a referral to resources to look into my case to see if this qualifies for illegal repossession. I even tried to make a payment at the bank while payments were overdue and they refused and repossessed the car soon after. We are well aware Wells Fargo predatory practices.

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 2022-01-22
Company: Experian Information Solutions Inc.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2020-06-19
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been notified that an account in my name ( XXXX XXXX ) was open on XX/XX/13. That account has since been charged off with a balance of {$1600.00} via a 1099c. I have requested validation and verification frequently that was always responded to with nothing or statements that included little to no additional information. This debt is almost 7 years old and has caused me now to have my taxes garnished and ammended to include this subsequent " income '' after disputing its validity to no avail and paying the necessary taxes, This account still appears in multiple places on my credit profile as a debt that is owed and being collected on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Experian Information Solutions Inc.
State: LA
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:
Incorrect information showing on my credit report. XXXX XXXX  is showing 2 loans on my XXXX  XXXX {$29.00}, XXXX and {$30000.00} with same open dates of XX/XX/2015. I have request that document showing proof of either loan with signatures or picture ID and/or Promissory Note. After several phone calls Neither have been received Nor have these items been removed form my XXXX  or Experian credit reports.

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 2019-12-30
Company: EQUIFAX, INC.
State: LA
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:
Incorrect information showing on my credit report. XXXX XXXX  is showing 2 loans on my XXXX XXXX  {$29.00}, XXXX and {$30000.00} with same open dates of XX/XX/2015. I have request that document showing proof of either loan with signatures or picture ID and/or Promissory Note. After several phone calls Neither have been received Nor have these items been removed form my Equifax or XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I called portfolio recovery in an effort to clear this debt from reports. I talked to a representative and a manager about this debt. At this time both reps stated they had no information on their computer system regarding this account, my name, or my ssn. I asked what type of account this was, when it was opened, and original amount delinquent. No one at this company could provide the information. They stated again they had no record of this account. At this time I stated that if you have no record of this account then you also need to take off all my credit reports. They stated sometimes it does not get on computer system right away. I asked how many months does it take, because it has been on there for at least a few months if not more. There was no logical answer. I asked for manager to look for info and call me direct at my cell number, and as of XX/XX/XXXX no call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I am trying to resolve a problem with TransUnion regarding an " adverse '' credit report. I have tried to go thru the online dispute mechanism but it is cumbersome and when I get to the section to upload supporting files, it only allows the upload of image files - I can not even upload a XXXX document! I can not properly dispute the " adverse '' info without providing a XXXX document. I contacted TransUnion and requested to email the supporting documents. I was told that I would have to ( snail ) mail the supporting documents. I was unaware  civilization has regressed to the Stone Age? I have numerous supporting documents regarding my dispute. Surely a company in this day and age can accept emails with attachments? Why can TransUnion not accept emails? How can anyone properly dispute " adverse '' info using image files alone? A XXXX  document would seem to be a necessary prerequisite to explain the issue. If the company is so backwards it can not accept email, it has no business being responsible for the creditworthiness of millions of individuals.

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 2021-12-15
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I initiated payment from my savings account for the month of XXXX. Mortgagor due to error in the system withdrew funds from my checking and savings account resulting in duplicate payment and overdraft fees. Payment from checking account was not authorized by me but was processed because checking account was previously linked to my loan. Mortgagor error resulted in a slew of problems including insufficient balance and overdraft fees. Two weeks later they are still unable to process a refund. Upon many requests to get connected to a supervisor within payment department, customer service would hang up on me or tell me that supervisor is not available.

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 2022-07-26
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A scam company contacted me online and advised me to invest in them. I had very little experience in investing/trading so I did everything under their instructions. 
After I had not made a single XXXX I tried reaching out to them but they had cut all ties with me. I could not retrieve my funds after that. It all happened around XXXX XXXX 2022, I lost : XXXX XXXX which was around XXXX USD at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Associated Collectors, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The first collection account was as a result of the billing policy at XXXX XXXX XXXX. Each visit to a different practitioner was billed to a different account. XXXX of the accounts was overlooked by me and I was not notified of this debt being sent to collection. I believe the error was the result of their improper billing system and lack of notification and I do not believe it should be my responsibility. 
The XXXX account was incurred as the result of an emergency visit to the hospital. I received a substantial bill and had no health insurance. I applied to the hospital and received relief for the entire bill. Upon receiving the XXXX XXXX XXXX, I sent a copy of the Hospital forgiveness letter in the hope of receiving consideration for my financial hardship. Without notification the bill was submitted for collection. Due to extenuating circumstances I am unable to pay these bills and they are having a negative affect on my credit rating. I wish to have assistance in resolving these matters as soon as possible. I have not received notification about these accounts in many years and feel it was the responsibility of the Collection Agency to keep me apprised of the accounts in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have notified Equifax back in XXXX of 2016 and even sent them a certified letter, which they received and signed for through the USPS, notifying them that the inquires that were listed on my credit file with their company was never authorized by myself, and that I wanted them removed immediately, if they were unable to justify that I gave these companies permission to pull my credit report with a document baring my signature. Equifax has failed to provided me such valid proof baring my signature that I authorized these companies to pull my credit report, and Equifax has also broken the FDCRA federal laws for reporting such fraud information on my credit profile. I have allowed them nearly three month to rectify this situation and they have refused to correct it. I have also notified each agency/company listed on the letter that I sent them and the companies have also failed to send me the information that I requested. This information is false and was not authorized by me and it 's affecting my credit rating and I want all of the inquires removed from my credit file associated with my social security number immediately!!!! I am trusting that your government organization will enforce the laws that protect us consumers!!!!

Company response to consumer: Closed with explanation