BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: Chime Financial Inc
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX banking  took XXXX $ from my Chime account! I have XXXX XXXX on XXXX ; not Chime. I confused as too how they got my chime information they also have all my bank transactions, pay history, etc available for him to see on his XXXX account which is completely against the law! XXXX has already taken fees and the loan from my XXXX XXXX  account and now theyre just stealing! Ive tried reaching out, Its IMPOSSIBLE they will not answer nor respond! My bills are now past due because of it and Im at risk of losing my car because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Big Picture Loans, LLC
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Hello, I got a payday loan from CastlePayday.com after receiving a flyer in the mail. At the time I needed the money so you do what you have to do. When I was going through the process I thought my payments would be {$100.00} per month. I only got a loan for {$400.00}. Well, each month this company is debiting {$280.00} from my checking account. I have contacted them as asked for a specific payoff amount and also advised that debiting from my account is no longer authorized and I would like to call in and settle this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: ERC
State: SC
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:
In XXXX received a notification that a new collection had be added to my credit report. The collection is from ERC Account # XXXX in the account of {$800.00} with a collection date of XXXX for XXXX. The have added this to all reports XXXX and XXXX ). This collection was previously deleted from my credit report on XX/XX/XXXX because it was not my debt to begin with. Since then this collection has been readded to my credit report a total of 4 times each time being deleted. The are also each time placing it on my report with a new collection date like the collection is new and reporting as late. They keep selling a deleted closed collection that has been deleted since XX/XX/XXXX bus to the statue of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-01-19
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
In XXXX of 2017 my wife and I were purchasing a vehicle XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Tx XXXX. The installment agreement says XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Tx XXXX. The issue is that the finance company, Credit Acceptance Corporation, XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX, and the dealer did not allow me to sign the original paperwork. I was out of town and the paperwork was pushed through without our consent and without my signatures. I complained to the Texas Attorney Generals office. The only result was that the finance company placed a computer generated contract on my account portion of their website. I noticed that the downpayment information is fraudelent. They entered a dollar amount higher than we actually put down. They refuse to acknowledge this situation. I believe they committed fraud with my application.

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 2015-03-31
Company: ERC
State: OK
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:
I worked at XXXX XXXX cable and received free cable while I was employed. When I resigned I cancelled service and moved ( XX/XX/XXXX ) yet XXXX XXXX kept billing me ( until XX/XX/XXXX ) at an old address. XXXX XXXX has now opened a debt of {$540.00} in my name with a XXXX aprty collection company XXXX ( Open date : XXXX XXXX ) which just showed up on my credit report. I have asked both XXXX and XXXX XXXX XXXX. I never recieved any notice of this debt until it showed on my credit report on XXXX XXXX. I have called each company numerous times and they will not return my phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-10
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection letter from Enhanced Recovery Company , LLC regarding my XXXX cable account and a balanced owed for {$77.00}. I contacted XXXX and inquired as to the debt and as to this company. First, my account had no debt and second, XXXX does not hire outside collection companies according to the recovery department with XXXX. 
I want to report this company as a total fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13
Company: ERC
State: NJ
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:
I was applying for a mortgage and I discovered on my credit report a {$110.00} debt from years ago owed to XXXX. I have never been contacted by XXXX nor the debt collector and I also have never even had an account with XXXX. I called XXXX, who referred me to the debt collection agency, and they provided an account number. When I called XXXX with that account number, they acknowledged that the address they had on file was one that I had never lived in. Further, they do not have my social security number or any other of my personal information on file, confirming that I have never had an account with them. However, they are still making me jump through hoops just to attempt to remove this debt, including filing a police report for " identity theft '', when in reality my identity had not been stolen as my personal information has not been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Consumer Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. Bank Info : Citizens Bank XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. The bank manager was not available on XXXX/XXXX/2016, the Friday before memorial day weekend for me to discuss a dispute of charges with her. I spoke with licensed banker XXXX ID # XXXX XXXX XXXX and was told that I would not be charged an additional charge until I was able to speak with the manager on Tuesday, XXXX/XXXX/2016. I just spoke with this same banker, XXXX XXXX over the phone today ( XXXX/XXXX/2016 ), and she told me that she spoke with the manager, there was nothing they could do in regards to the charges on my acct and I was now responsible for the ADDITIONAL fee incurred today XXXX/XXXX/2016 which is ridiculous considering it occurred during the time the manager decided to take a TRIP and not available. This is unfair!!!! Details of transaction/fees : XXXX/XXXX/16 Check # XXXX for {$27.00} causing a negative balance of {$24.00}. Service Charge Sustained Od of {$30.00} on XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016. Also, I was not notified of my negative balance while I received these service charges every 5 days, no mail was received. I was blindsided which was why I wished to speak with the manager in the 1st place on the XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
On XXXX/XXXX/2016, I did a settlement with Wells Fargo Card Services. They told me if I paid the Settlement amount, the will close the account and Delete it off my credit Report. I settled with them on XXXX/XXXX/2016 but I have not see it deleted off my credit History yet.

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 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 : 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 2021-01-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft fraud. I have no idea of any of these inquiries. I have never opened any of these inquiries or I have never gave any permission to any company. Why do I have these unknown items in my report? This is a big mistake. Please review this and remove them from my credit report as soon as possible. Please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
the above case # is for Transunion. It seems I have to file a complaint for each credit reporting agency. 
I filed a chapter XXXX bankruptcy in XXXX 2013. My mortgage through XXXX XXXX was reaffirmed, as well as my home equity line through XXXX, and my furniture payment through XXXX XXXX XXXX. I have continued to make on time, full monthly payments to each of these companies and noticed that they have not been reporting to the credit agencies. I have provided the documents of the bankruptcy reaffirmation agreement, as well as the history of the payments made to these company 's over the last years to all XXXX credit bureaus and each XXXX of them come back with missing information on their investigation, some do n't even address the XXXX accounts I have listed in my dispute, others have other companies instead like XXXX. It is apparent that these companies do not doa thorough investigation of my dispute. They ca n't even get the account correct, let alone I don ; t believe anyone even bothered to look through the files I sent them of the proving documents to show they were supposed to be reaffirmed, as well as my payments being made that are not being reported. I 'm trying to rebuild my credit, and this is not fair that my payments are n't being reported, and no one is taking the time to do their job properly. 
PLEASE HELP!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX did hard inquiry on me, I have never heard of XXXX XXXX before. I have never contacted XXXX XXXX for any reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: ALLY FINANCIAL INC.
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Today is XX/XX/XXXX. I have had 4 phone calls from Ally Financial today. I am only 9 days late on my payment at this time. There are days that Ally will call me up to 6 times a day. They also call before 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 2017-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I WAS TRYING TO GET MY REPORTS AND BY MISTAKE I LOST THE PAGE. NOW I DONT HAVE MY REPORT AND IT SHOWS AS I ALREDI PULL IT.

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 2016-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed XXXX collection accounts with the City of XXXX XXXX, account number XXXX in the amount of {$150.00} and XXXX in the amount of {$140.00}. This information has not been legally verified per the Fair Credit REporting Act and it 's affecting my credit. They City of XXXX XXXX ca n't even provide validation that these accounts belong to me.

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 2017-02-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX XXXX, XXXX and XXXX are the XXXX main negative items that weighs heavy on my credit report which is preventing me from purchasing my first home.

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 2016-04-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX, XXXX TX XXXX to remove the inquiries on phone, they said I should ask Credit Bureau, when they will contact ask them, we will ask them to remove. 
I spoke to XXXX credit Bureau, they told me to contact the company who pulled the credit file, or I call individual company. 
My credit is ruined by these marketing guys, My son XXXX years old goes to XXXX, he is on XXXX, I am trying to get a vehicle XXXX but due to many unauthorized inquiries and negative impact on credit report I am declined for that and also for other financial help I try to get some loan. Please help me I am not able to deal with big companies they do n't care and do n't want to listen what I am saying. For me and my XXXX son its very important to remove from my credit repot. 
I would appreciate for your kind help, you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is on XXXX student at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX, due to too many unfair and unauthorized inquiries. 
I have attached XXXX files, includes all XXXX credit Beureaus

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 2016-11-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a Collection on my account from a car loan company XXXX XXXX ( Previously XXXX ). They are not reporting their Information accurately. It is inconsistent On all XXXX of my reports which I have disputed all XXXX reports and each report is never Updated correctly Nor deleted since it is not 100 percent accurate per FCRA. I am now requesting since the Credit Reporting company wont delete the record, And the Credit Furnisher Wont report it accurately I am Requesting Help From the Bureau Of Consumer Financial Protection.

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 2021-01-19
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have attempted to contact Santander Consumer via dispute letters. I have never received a response from them. 

After contacting my Attorney General Office here in Georiga I was advised that Santander Consumer USA is involved in litigation and the item being reported falls under litigation items with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Self Financial Inc.
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Radius Global Solutions LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Doctors office sent blood work to the wrong lab after I told them several times that my insurance had changed. Its the Doctor 's mistake not mine. 

Collection account. {$680.00} past due as of XX/XX/2020. 
Status Updated XX/XX/2020 RADIUS GLOBAL SOLUTIONS LLCXXXX Account Number

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
Credit Bureau is refusing to investigate or replay with same answer.

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 2021-01-20
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
FRAUDULENT MORTGAGE LOAN SERVICING ( XXXX ) BY XXXX XXXX XXXX, SPECIALIZED LOAN SERVICING ( SLS ) AND XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( AS TRUSTEE FOR INVESTOR ) WITH RESPECT TO XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX LOAN # : XXXX, XXXX XXXX # : XXXX XXXX XXXXXXXX XXXX, Specialized Loan Servicing ( SLS ) and XXXX XXXX XXXXXXXX XXXX XXXX ( AS TRUSTEE FOR INVESTOR ) have violated the mortgage origination documents by introducing a new unsolicited balloon loan of {$380000.00} into the home relief option expected to bring relief to the borrower ; but now pain, because they have threatened to foreclose my property unless I agree to sign the additional balloon loan agreement on or before XX/XX/XXXX ; as a solution to resolve the unpaid arrears of {$100000.00}. They refused the extension of the maturity date of the loan from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX as the Retention program provides ; but instead allow only 1 month extension from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
Specifically they are violating Clause 3F of the Modification Agreement signed on XX/XX/XXXX ( see page 8 of attachment ) which categorically states that only the deferred non-interest bearing amount of {$150000.00} will be due for payment at maturity, by year XXXX ; or when the mortgage principal of {$510000.00} is paid off ( see page 109 of the attachment ). SLS claim the balloon amount is at the instance of the Investors guidelines- XXXX XXXX XXXXXXXX XXXX XXXX XXXX which violates all the agreements concerning the mortgage loan and therefore violates RESPA and Home Retention Program. 
Specifically they have violated Clause 4 of the Modification Agreement signed on XX/XX/XXXX ( see page 8 of attachment ) -RESPA because they have refused to account for the application of the about {$560000.00} I have paid towards principal and interest payments from XX/XX/XXXX to XX/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 2016-10-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I FILED A DISPUTE WITH EXPERIAN CREDIT BUREAU ABOUT MY COMPLAINT OF XXXX REPORT OF PAYMENTS OF {$120.00} A MONTH WHEN MY PAYMENTS THAT WERE MADE WAS {$170.00} A MONTH SINCE XX/XX/2016 THRU XXXXWITH TWO PAYMENTS MADE XX/XX/2016 OF {$170.00} EACH. THE ENDING BALANCE IS INACCURATE AND THE MONTHLY PAYMENT AMOUNT IS INACCURATE. I HAVE SUBMITTED BANK STATEMENTS TO REFLECT THE ACTUAL PAYMENTS MADE TO XXXX BY BANK DRAFT

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