BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am XXXX XXXX, I have recently reviewed my credit report and noticed several unauthorized and inaccurate inquiries reported to my profile. Pursuant to 15 USC 1681b, when the consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am demanding these inaccurate inquiries be investigated and removed immediately. 
INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-01-04
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an apartment lease contract with XXXX XXXX  My contract was for XXXX and ended at XXXX the XXXX day of XX/XX/2020. Lease terms were After that, the lease will automatically renew month- to- month unless either party give at least 60 days ' written notice of termination or intent to move out. I gave my 60 days ' written notice and I was still charge the following month along with late charges. This was sent to collection and it is affecting my credit. Please help me get this resolve.

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 2020-12-30
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an unauthorized inquiry from XXXX XXXX XX/XX/2020 on and XX/XX/2020 on my Experian, XXXX  and XXXX  credit report. I never authorized this inquiry or told them they could pull my credit report. I am requesting the inquiry to be deleted or changed to a soft inquiry since hard inquiries have a negative impact on my credit score. I already disputed this with the CRA.

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 2020-12-30
Company: Yamaha Motor Finance Corporation USA
State: WA
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 make payments to Yamaha XXXX XXXX through my bank. In XXXX, my payment was sent the day before it was due. I was charged a late fee and wasnt aware that a late fee was appended. Consequently, they reported my account exceeded a 30 day payment which drove my credit score down. I have sent them proof of payment along with my bank statements to show that payments have been made on time. They have acknowledged these payments but refuse to report my account correctly. When asked, they told me I need to speak with their billing department to make these changes but refuse to give me contact info to engage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Applied for a mortgage modification with Bank of America after two years we realized that the process was not honest. We had XXXX different loan officers submitted government XXXX forms over and over, resubmitted bank statements, hardship proof statements, paystubs, social security awards letters and proof of income and work statements. We were constantly told the process is with the underwriters only to have another requirement. We had telephone appointments to make and it was just a waste of time. Hope you could help other people avoid this.

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 2020-12-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have two credit cards with Chase. I went to pay my bill on XX/XX/2020 for the one. I was looking over my accounts as I was about to pay off my second card i noticed they decreased the limit on the one card they had to do a refund due to being a victim of a serious crime which resulted in my cards being used with out my consent. When I called the first time I was told that it was because my credit history is only a few years old. This doesn't make sense as they approved me for the second one and increased the limit also. Then they tried to say I was negligent in payments, I actually always pay my bill monthly. Then they had nothing to say. I called back the next day and I inquired again and was told because I have a bankruptcy on my credit report. There is no bankruptcy nor have I ever claimed bankruptcy. I believe I am being retaliated against for filing a former complaint through your agency which resulted in Chase finally after two years refunding me money back to my card. I have two cards and they only lowered the limit on the one where credit had to be refunded. This action resulted in my credit score dropping down to almost 600 when it was over 700. I have not displayed any behavior that would require them to take this action and I cant even seem to get a solid answer. Then I was told about balance chasing where as I continue to make payments they will continue to lower my credit limit. So I have no credit and I am basically paying just to have my credit limit lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a new Citi XXXX card, happy that I will pay no interest for the first 18 months. Now that I have received a few bills, I see that Citi intends to make money during that time by charging me late fees in error. I just received my XX/XX/2020 statement and it includes a {$35.00} late fee alleging that my XX/XX/2020 payment was past due. I received email confirmation from my bank, XXXX XXXX XXXX XXXX XXXX, that my {$160.00} payment - well more than the minimum due - was sent to Citi on XXXX XXXX, the date my payment was due. Citi alleges they did not process that payment till XXXX XXXX, but that is beyond my control. I use my bank 's online bill pay service to pay a number of accounts, and only the Citi account charges me a late fee. According to the national credit bureaus, I have an exemplary record of on time payments. I would like CFPB 's assistance in removing this {$35.00} charge from my bill, because my XX/XX/2020 payment was not late. I also would like you to compile complaints such as mine because these fees can rise over time, triggering an increase in the interest rate once this account begins to charge interest.

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 2017-03-19
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed XXXX XXXX XXXX collections on my file. I attempted to contact XXXX XXXX at their phone number XXXX and XXXX for more than two weeks. I attempted contact at XXXX through XXXX there is no answer or message. I have spoken to experts in settling collections who say that they have not been able to contac them for weeks. They may have gone out of business. My score can not be held down by an account that I am unable to pay. This is a violation of my federal rights.

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 2020-12-30
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is through AmeriHome Mortgage. When my house caught on fire in XXXX and Covid hit all at the same time, they granted me forbearance. After the forbearance period, I was granted a junior lien, essentially a deferment, allowing me to tack on the mortgage payments that were in forbearance to the back of the loan. 

I was granted this, through FHA/Amerihome 2-3 months ago. They were supposed to mail me a document to sign and send back so that it can go into affect. 

I have called and spoken to their reps 5 times over the past few months, and they STILL have not sent me the documents. Meanwhile, I am getting letters from them saying I owe $ XXXX and that late fees will be incurring soon if I don't pay it. 

Once I elected to end forbearance, I began making payments on time. The last time I talked to an Amerihome rep, they told me that it looked like the document had just never been sent. He told me he sent an email to their department CCing essentially everyone asking them to send it. 

It has still not been sent. After months of calling in, and asking for this one document, they still have not sent it. I just want my life back. I just want them to adjust my mortgage back to normal as they promised. 

This has been an absolute nightmare. I just need them to send me this document as theyve stated they would countless times over the past couple months and never have

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: WA
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 noticed an account on my credit that was inaccurate ( XXXX XXXX XXXX ). I sent a dispute to the the company, but the address listed on the credit report was inaccurate and the dispute was returned to me as undeliverable.

It's not legal for an account to report inaccurate address, so that a consumer is not able to dispute the account.

It's been over 30 days and the account is still reporting negative information to all 3 bureaus.

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 2015-07-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Please accept this as a formal complaint against Experian Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : this account is scheduled to continue on record until XX/XX/XXXX - comments : transferred to another lender ' is erroneous because the house that I owned was short sold back in XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XXXX, approximately XXXX month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021 XXXX This is a duplicate account on my credit report, I have reached out to the company and the current debt collector.I have also made a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
For years I have disputed the existence of the inaccurate account on my credit file listed by ALLY FINANCIAL. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse.

I NEVER had an account ALLY FINANCIAL.

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 2020-03-11
Company: Experian Information Solutions Inc.
State: TN
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 am a victim of identity thief, I have previously submitted documentation that these accounts were not mines. The creditors agree and removed them form my credit report. I went to take a look at my score to see that the following account had been added back. I was under the impression that this had be handled and the items would be Blocked and Deleted. I am hoping this is the last time i have to report these items. I have reached out to a attorney to help me with this matter, being that I have provided everything necessary to resolve this matter and they have put these negative account back on my credit report. 


XXXX XXXX {$0.00} Updated XXXX. XX/XX/XXXX XXXX XXXX XXXX  {$870.00} Updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} Update XX/XX/XXXX XXXX XXXX {$3600.00} Updated 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 non-monetary relief
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: MI
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 XXXX  account # XXXX and account # XXXX, XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX. account # XXXX has violated my rights. 

15 U. S. C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2020-12-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received a Courtesy Letter from County Auditor/Treasurer indicating my Property Real estate taxes were not paid on XX/XX/XXXX. 
Subsequently, I contacted my PennyMac Mortgage Company on XX/XX/XXXX, XX/XX/XXXX and was told that the tax would be paid. Today, XX/XX/XXXX I called Auditor to verify.. no tax paid. I again tried to contact PennyMac customer service and my call drops after a significant hold period. Please Note : Each time I have called PennyMac and keyed thru automated tree I get a recording after selecting Escrow/Taxes/Insurance option that states " your escrow account has not been analyzed. '' Currently, my property taxes now include penalty fees which will increase tomorrow XX/XX/XXXXXXXX I had filed complaints with the XXXX XXXX XXXX  and the Minnesota Attorney Generals Office inaddition to requesting help from my Regional VA Home Loan office. I am considering legal action if necessary and will discuss with attorney on XX/XX/XXXX as I have a meeting scheduled on other estate affairs that day. In essence, I find it very troubling to know that a mortgage company will receive my monthly payments, but then is deliquent in servicing my loan, i.e. escrow account. In my eyes PennyMac is guilty of financial negligence or fraud, maybe both. Please Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been trying to get my free credit report from them and every time i try the telling me i have to pay to get it from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 reported to The three major credit bureaus ; Transunion, XXXX  and XXXX  that according to the Fair Credit Reporting Act, that the bureaus was suppose to provide information directly from the agency that reported my bankruptcies or else by law they need to remove them and or provide documents or credible information where information was collected. All three bureaus stated the same information that they received information from XXXX Bankruptcies district. I contacted the bankruptcy district and it was stated that it would never be a time that this information will be provided to any credit bureaus. I requested all three bureaus on XX/XX/2020, XXXX and XXXX of the removal. I also tried contacting them again by phone and the system made it impossible to reach them. I also tried disputing again via direct website and theres no right of passage. These companies should be reported for rude behavior as well.

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 2022-03-20
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Used car loan application was computer generated has wrong name on it from finance company and forged signature on all documents. I can provide document to show signature is a forgery.

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 2016-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I HAVE A MORTGAGE WITH BANK OF AMERICA AND SENTA A FAXED REQUSEST NOT TO PAY XXXX INSURANCE PLOI CY RENEWAL XXXX XXXX 2016 AS I HAVE SECURED A PRIVATE COMPANY TO SUPPLY MY INSURANCE COVERAGE. I WAS INFORME D BY BANK OF AMERICA THAT THEY WILL PAY ANY POLIC THAT COME IN AS A BILL WHETHER THIE IS A DUPLICATE OR OR NOT. ANY REQUEST TO NOT PAY ANTHING FROM MY ES CROW ACCOUNT IS DENIED THEY WILL NOT DO THIS. DO I HAVE NO RIGHTS TO CHOSE MY INSURANCE COVERAGE AND THE COMPANY I WANT TO DO BUSINESS WITH. 
I FEEL THIE IS MY CHOICE NOT THE BANK 'S I AM THE ONE THAT HAS TO PAY FOR IT. I HAD XXXX FLOOD POLICIES LAST YEAR BECAUSE INSURANCE AGENT DID NOT ACT WHEN I INFORMED HIM THAT I THAT I HAD ANOTHER POLICY. CAN YOU HELP

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