BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: Merchants' Credit Guide Company
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: Public record information inaccurate

Complaint:
1. Public record- XX/XX/XXXX XXXXReference number XXXX : Account in question was never filed and the courts report no record of initial documents. Letters were sent on XX/XX/XXXX and XX/XX/XXXX requesting that all 3 bureaus please review their records, and verify the account number, and date associated with this item as it is negatively impacting my credit score and do not match my records. My request was to remove this account from my consumers credit file. My request was ignored and it has been 60 days which is a direct violation of the FCRA.

Additionally, the following 3 accounts are not mine ; the XXXX XXXX account was paid in full and should reflect this on my credit report. These accounts were reported as inaccurate on XX/XX/XXXX. Re-investigation was requested on XX/XX/XXXX and I have not received a response : 1. Merchants Credit Guide- Account # XXXX, XXXX {$820.00} 2. XXXX XXXX -Account number XXXX, XXXX $ XXXX creditor : XXXX XXXX. 

3. XXXX-Amount $ XXXX creditors-Sprint- 4. XXXX XXXX-Acount should reflect PAID IN FULL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Diversified Adjustment Service, 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: Public record information inaccurate

Complaint:
1. Public record- XX/XX/XXXX-Reference number XXXX : Account in question was never filed and the courts report no record of initial documents. Letters were sent onXX/XX/XXXX and XX/XX/XXXX requesting that all 3 bureaus please review their records, and verify the account number, and date associated with this item as it is negatively impacting my credit score and do not match my records. My request was to remove this account from my consumers credit file. My request was ignored and it has been 60 days which is a direct violation of the FCRA. 

Additionally, the following 3 accounts are not mine ; the XXXX XXXX account was paid in full and should reflect this on my credit report. These accounts were reported as inaccurate onXX/XX/XXXX. Re-investigation was requested on XX/XX/XXXX and I have not received a response : 1. XXXX XXXX XXXX Account # XXXX, Amount {$820.00} 2. XXXX XXXX -Account number XXXX, Amount $ XXXX-Original creditor : 11 XXXX. 

3. XXXX-Amount $ XXXX-Original creditors-XXXX 4. XXXX XXXX-Acount should reflect PAID IN FULL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
TRUIST IS HOLDING GAP PRODUCT MONEY XXXX! Dealer sent {$880.00} ( their check number XXXX ) to Truist Bank on XX/XX/2022. As of XX/XX/2022 customer has NOT received their refund due in same amount. After sitting on hold for 94 minutes, Truist is " unaware '' of any refund due. Well, YOU OWE ME the GAP REFUND - PLUS INTEREST for holding it ILLEGALLY - this vehicle, PER YOUR DOCUMENTS was paid in full XX/XX/2022 - that was nearly 60 days ago. And while you are at it, since you have to cut me a check anyways - PAY THE FEES YOU OWE from my last complaint that you replied to the CFPB saying since account was closed you could not refund me. Well. I think you can refund AN ERROR - and NOW PAY A PUNISHMENT for HOLDING MY MONEY XXXX. You are pure evil and you are CROOKS - WHY did the government ever let XXXX conspiring banks Sun ( don't ) Trust and XXXX ( lie ) ist merge? PATHETHIC.

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: JPMORGAN CHASE & CO.
State: PR
Product: Credit card
Issue: Payoff process

Complaint:
I have a mastercard Visa with Chase. I submitted a payment for {$200.00} on XX/XX/XXXX and it was debited from my bank account. When I called the bank to check on the payment ( to inquiry about the balance on my account ) a Sr. credit analyst ( XXXX from XXXX XXXX ) told me that I had to wait 8 days before the payment cleared to see the new balance on my card. She also stated that she had to call the bank ( where the money was paid from ) to see whether the amount had already cleared. This is simply preposterous that in the age of computer she has to call a bank ... 
I find it outrageous to wait 8 business days for a payment that was debited on XX/XX/XXXX to be credited to my account. In the meantime I ca n't use the card because the balance appears for a higher amount than it really is, and I have no credit leeway.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Constar Financial Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On XXXX XXXX got a call from Constar Financial Service by a man namedXXXX XXXX . This was in reference of a motorcylce i had finance by XXXX XXXX XXXX. XXXX XXXX first failed to read me my mini miranda rights. Second he was still demanding payment after I told him not to call anymore. He keep asking me that he can help me but never told me how. 
Original I had notified XXXX XXXX XXXX of my situation and NOT to attempt to communicate with me or my family or place of employment about this matter. If unable to settle this all the amount due will be the ten times the amount in a civil, state or federal Law Suit. Please advice me is I should take this matter to a higher legal level. 
Thank youXXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-03-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted my lender on XXXX XXXX, regarding a hardship I am experiencing in keeping my home. I received phone communications from XXXX XXXX of JPMorgan Chase, Executive Offices. On or about, XXXX XXXX, 2016, XXXX XXXX advised me that there was nothing her office could do to further assist me and that I would receive a letter from her office in the mail stating the same. I received a letter in the mail from JPMorgan Chase 's Executive Office dated XXXX XXXX, 2016 referencing my Deed of Trust and stated that the same was enclosed ; however, upon closer inspection, my Deed of Trust was not enclosed. The Deed of Trust belonging to an entirely different borrower ( a male, from XXXX California 's ) Deed of Trust was enclosed with my documents. I find it inexcusable that Lender, their Executive Office, no less could be so careless and reckless by sending confidential loan information to the wrong persons. It also grieves me to wonder where my information was sent and what information is now floating around about my property and financial situation. I am hereby asking that your office investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: MS
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 pulled my report and still see the late payment appearing on my XXXX account I was not aware of how it has late payment when I have been always paying on time and this is a violation of my rights as per 15 US Code 1666b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, XXXX  XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX, 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 an 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. 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 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 2020-08-11
Company: Avant Credit Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with AVANT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and AVANT with no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I live on the 5th floor of a condominium building. Chase Mortgage is demanding I provide excessive flood insurance coverage on my personal unit policy in addition to the flood coverage my association provides. On the 5th floor it is inconceivable that flood waters could ever rise high enough to enter my unit. I feel this coverage is unfair and an unnecessary and unjustified additional expense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: GA
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, XXXX  XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXX, Account Number XXXX AXXXX XXXX, Account Number XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXX XXXX, XXXX, Account Number XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, 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 an 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. 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 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 2020-08-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Hello, I recently signed up for the " Free '' Experian credit boost. It showed my current credit score a little over 700 and it asked if I wanted to boost it for free.. I did that and it did go up to XXXX but then it told me that they could boost it more if they take into consideration my utility bills, which are not normally reported to credit agencies. I would have to give them my bank account information to do that and I opted not to do it. I thought my score was higher than that, but I didn't have time to look further into it. 

About a week later, I got an email from them notifyingme that there was a drop in my credit score and I should log in to look at it. I logged in and it said my score was only XXXX! It scared me thinking that maybe I was a victim of identity theft or something. It said if I wanted to see what the issue was and get it boosted, I could subscribe to their service for {$24.00} a month! 

I then remembered that I have free credit monitoring with XXXX XXXX,  so I logged in and my score is actually XXXX. ( I have attached screenshots of both agencies ). This is a HUGE difference.

I feel like Experian Boost does this intentionally to scare people into thinking there is something wrong with their credit so they pay them. This is a very deceptive practice and I hope more people have complained. There should be some law against this! 

Thank you for listening.

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 2022-10-27
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received XXXX separate Invoices from a Penn Credit Corporation with a request for payment due to XXXX XXXX for {$370.00}. I have never heard of this company before. The dates of service for the fraudulent address were from XX/XX/XXXX. This was for the mailing address of XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. I was living in XXXX, OH at this time at my parent 's house. 

I received a second invoice from a debt collector ( XXXX XXXX ) for an invoice with XXXX XXXX for {$1000.00}. The dates of service for the fraudulent address were from XX/XX/XXXX- XX/XX/XXXX. Again, no idea who they are. I was living in XXXX, OH with my parents. 

While I was living with my parents in XXXX, I did not pay utilities, but Im sure I can come up with proof of residence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have incorrect information in my credit which is setting me back from my mortgage loan approval. I have been going back and forth with companies to resolve the issues but I 've been told that the credit beaureau are reporting this information. I am unavailable to file a dispute because when I put in my info to dispute, it says can not process request. Please help us out!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I closed on my loan XXXX/XXXX/XXXX with XXXX. On XXXX/XXXX/XXXX I received a welcome letter stating the subservicing of my loan was transferred on XXXX/XXXX/XXXX from XXXX to LoanCare, XXXX on the behalf of XXXX the servicer of my mortgage.I had sent my first payment to XXXX because of the late notice of change. From XXXX XXXX, XXXX LoanCare could not find my first payment because it was mailed to XXXX. Therefore I was always 30 day behind. I mailed copies of cancelled checks from my bank to them but they could never find the payment. Well in XXXX XXXX I was out of work due to a XXXX injury from when I was in the service. In XXXX XXXX I went to county records and verified that the deed wad still with XXXX and that nothing had been changed from the day I purchased my home. On XXXX XXXX, XXXX I went to county records to notice that a substitution of trustees had been appointed and that XXXX XXXX was assigned the note and now the holder of the note having interest in the indebtedness secured by the deed of trust and then XXXX XXXX appoint and and substitute XXXX XXXX XXXX, XXXX, as trustee. Then I received a letter from my mortgage had been sold or otherwise transferred or assigned to a new owner XXXX as of XXXX/XXXX/XXXX. This was just informational purposes only and required to continue to make payments to my current servicer. Well LoanCare recently sent my payments back and wants to start foreclosure. I sent in paperwork for a modification and they denied me. I do not know why they denied me. They called me over the phone and said it was denied and that I would receive the reason why in the mail and also that they were starting the foreclosure procedure.

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 2017-01-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
HRRG contacted me on my cell phone and left recorded message saying they were a debt collector and I needed to call them back at XXXX XXXX. I called back from my house phone and girl ask for my cell phone # to look up what the debt was. I gave it to her and she stated that there was no info on me. She ask for my social security # .... I said absolutely not. This ended the phone call. They had no reason to call or ask for my SSN. I do not have any outstanding bills. This struck me as a fishing for personal info call. The # that called my cell phone XXXX and ask me to call back on XXXX. 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 2016-02-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an outstanding medical bill from hospital emergency technicians. They said they did not receive insurance info. I resubmitted info 2 times to the billing company. I receive a collections notice for the amount. I get scared and pay the outstanding balance. I was assured by the collectors that I would be able to get a reimbursement from my insurance companies. I call my insurance and they said a claim was never filed. I call back and give the information so they can call the insurance company. A week passes and i call back and now they have no information on my account and hang up the phone after taking my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i paid {$220.00} in credit cards. and {$50.00} more by check. i sent them a question regard who owed what and how much. i also received a bill from another company for less than what was owed. since i sent the question to them i have not heard from them. 
i think they were caught in the act. they said my account owed {$0.00} and my husband account was " inactive ''. 
is there a way i can have what i have paid back?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I wrote in all of my personal information, and once I got to the identification verification page which consisted of questions to confirm who I am, none of them applied to me, such as car loans, credit cards and home loans opened in my name - between XX/XX/XXXX-XX/XX/XXXX. After answering N/A to all that did n't apply, I was show a page stating I have to manually mail in a request form. Now I 'm concerned that someone has my identity and is opening and being approved for large purchases in my name. XX/XX/XXXX, I moved to XXXX XXXX, where my maintaince guy through my apartment complex stole my Social Security Card and Birth Cirtificate as well as my sisters, and fled the state ( ACCORDING TO THE LEASING OFFICE ) Back then I did n't know how to report such fraud. Please Help.

Company response to consumer: Closed with explanation