BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-26
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I submitted a electronic ACH payment ( as I normally do ) to Ford Motor Credit for my XXXX, 2016 car payment which is not being credited to the account. This is not the first time Ford Motor Credit has made a mistake by misapplying a timely-made payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Secure Capital Management, Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Representatives from SCM ( Secure Capital Management ) googled me ( I 'm assuming ) and contacted my dad 's wife and left a voicemail that had my last XXXX of my social and a threat that if I did n't call them back they would show up at my job. There was no way they could 've known she was affiliated with me and there 's NO reason to leave my name and the last XXXX of my social on a voicemail of someone who could 've been a complete stranger and done something with that information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-24
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
Discover is applying payments in excess to the minimum payment primarily to the balance with the lowest APR instead of the one with the highest APR per the Cardmember Agreement. I would have chosen to apply the payments to other balances had I known that Discover was not going to abide by the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC violations sent the documentation with the affidavit to prove my claim

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 2017-01-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax refuses to verify the validity of numerous inquiries on my credit report. I was told that it 's a " factual record '' but Equifax will not provide me a copy of a signed authorization form, giving them permission to report these inquiries as fact. Equifax can not and will not provide me with proof bearing my signature and giving authorization for my credit file to be viewed by ANY company, therefore giving them permission to report these inquiries. I request that the below mentioned inquiries be removed if proof bearing my signature can not be provided. 
1. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
According to my Experian credit report number XXXX dated XXXX XXXX, XXXX, the XXXX XXXX account number XXXX ... ( XXXX ) indicates in the 'Status Details ' section that " This account is scheduled to continue on record until XXXX XXXX. " According to my Experian credit report number XXXX dated XXXX XXXX, XXXX, the XXXX XXXX ... indicates in the 'Status Details ' section that " This account is scheduled to continue on record until XXXX XXXX. This item remains unchanged from our processing of your dispute in XXXX XXXX. " I have disputed this credit item with Experian several times to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi, Subject : Incorrect Information On Equifax Credit Report This is with regards to the incorrect information that I have observed in my Equifax Credit Report. On XXXX/XXXX/2016, I noticed that my Equifax credit score dropped by XXXX points, from XXXX to XXXX. When I further checked my report, I noticed that there were XXXX credit cards from XXXX XXXX XXXX that was tagged to my name, while only XXXX of them which is non-deliquent belongs to me. There is the second credit card from XXXX XXXX XXXX, which has gone delinquent which does n't belong to me, which was the main cause for the drop in my Credit Score. I also noticed that under Names reported in Equifax credit report, there are names such as " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '', which are not my names but reported by Equifax I have never had any instance of delinquent payment on any of my credit cards till date. But this factual error by Equifax has landed me into a credit zone where lenders would fear about my financial situation, I would request Equifax to please do a thorough verification and correct the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: FORD MOTOR CREDIT CO.
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
At the start of my first lease through XXXX XXXX, the sales manager who guided me through the process gave me a few pieces of information that I later learned were untrue : ( 1 ) " There is no leasing company. '' I clarified by asking whether this meant that all their leases were internal, and he confirmed that they were. They 're not.
( 2 ) " You 'll never need to buy tires for this car. '' He told me this as he was handing me the coupon book for my maintenance agreement. You can imagine my surprise when I brought the car in a couple years later with worn out tires and discovered that they were charging me for the new ones.
( 3 ) " Overage miles are {$0.00} per mile, but you only pay that if you walk away. If you sign up for a new lease, they usually waive that for you. '' He went on to talk me into upgrading to XXXX, to cover any repairs that might be needed. " Do you plan to keep leasing? '' he asked. Then with XXXX, he explained, I would n't have to worry about any fees at the end of my lease. 

The first two times I learned that what XXXX told me was wrong, I let it go, willing to assume that he meant well and must have been mistaken. But, each " mistake '' has been significantly more expensive than the last. The overage fees came up two days after I 'd upgraded to a new lease ( XX/XX/XXXX ). The salesman for this new lease ( not XXXX ) texted me ( on XX/XX/XXXX ) and told me that " the new car deal is n't complete without closing out the old car, '' which meant paying overage fees and wear and tear, which XXXX 's employee, XXXX, had specifically told me not to worry about. This new salesman pressured me to pay these fees within the next couple of days, even though I had not yet received the inspection report detailing what repairs the wear and care fees included. 

I went up the chain and ended up talking with XXXX XXXX ( who I was later told was the owner ) the next day ( XX/XX/XXXX ). I explained that their salesman had put me in a bind by setting me up to be completely shocked by thousands of dollars in charges. He was completely unapologetic and unwilling to take responsibility for his employee 's XXXX up. I even offered to meet him halfway on these fees and split the costs with XX/XX/XXXX. He refused, saying that he would be " generous '' enough to pay one-quarter. 

I told XXXX that I could n't afford that much on such short notice. I added that the salesman on the new lease had let me know that the deal was not finalized until these fees were paid, and that I did not want to move forward under these terms : I told him to stop the deal. The next day XXXX called me back and told me that the deal had been finalized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-02
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt is from XXXX/XXXX/2010 From XXXX XXXX Physicians For $ XXXX XXXX XXXX failed to submit to both of my insurance companies under the correct name despite me telling the repeatedly to refile correctly. I disputed this item on my XXXX credit report and it was removed however they failed to fix it on XXXX credit report.

Company response to consumer: Closed
Consumer complaint received 2017-03-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/17 I disputed an erroneous account appearing on my credit report ( see CFPB case # XXXX. The line item is # XXXX pertaining to Idaho XXXX. Idaho XXXX failed to reply after 60 days. Due to their failure to respond within the 30 day period set forth by federal regulations, This item must be immediately and permanently deleted from 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 2015-10-01
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 been a victim of Identity Theft. It is affecting my credit report. Please look into this. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
The Experian web site is not consumer friendly and very misleading. 
When my new credit card arrived from XXXX XXXX it contained a notice with my credit score from Experian dated XXXX/XXXX/2016. The enclosed note also had instructions on how to obtain a free copy of my credit report. It had mentioned it was federal law that I can obtain my credit report with 60 days of that notice from XXXX XXXX. 
So I followed the instructions and went to XXXX. 
The landing page steps me through a set of questions that strongly implies I have to pay for my report if I was not declined credit. So I went back to the main landing page and looked very carefully at all the words on the page. In very small letters at the bottom of the page there was a link to another page that explains the federal law and the free credit report. Complaint # 1 : the hiding of the free report is clearly not consumer friendly. 
Complaint # 2 : When I clicked on the link for the instructions to get my free report, the page was not available - implying the service was down or not available. I had to come back a few times for the page to render properly and display the instructions. The link I used is below. 
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 2016-08-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have lived in my home for 45 years but due to inaction and incompetency on the part of my mortgage lender Chase I am in danger of my house being sold at foreclosure auction. I have spent the past 5 years attempting to resolve my issues with Chase. I am able to make a reasonable mortgage payment, but due to the failure of my business and the crashing of the economy I was not able to continue making the monthly payment after it adjusted up while my income was going down. 

Please understand that I have paid my mortgage on time for nearly 40 years. I refinanced through Washington Mutual around XXXX and they put me into an adjustable FHA government insured loan. I thought that my payment would be stable and reasonable, but I found out later that Washington Mutual misled me and my rate and payment increased over time. I had opened a clothing business in XXXX which was initially successful. Of course, the following year the economy crashed and my sales suffered. I hung on for another year but then a XXXX XXXX opened across the street and that was the beginning of the end. 

In XXXX I was struggling and could not afford to make the full monthly payment on the mortgage. I attempted to make partial payments to Chase but they would not accept them. I was told instead that I could apply for a loan modification. I began the process back in XXXX. Since that time I have spoken with Chase at LEAST 100 times on the phone, have sent them thousands of pages of paperwork but yet have never actually been reviewed for any programs. No formal completed review, no denial, just total runaround for XXXX plus years. I feel like a hamster on a wheel!!! The problem is that now they have set a sale date for XXXX XXXX and I fear I am out of options. It does not have to be like this. I receive retirement benefits as well as unemployment payments. Also my son is living with me, he is employed and contributes towards the bills. If Chase would actually take the time to review my information they would see that I can afford a reasonable payment. The problem is they have never taken the time to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
While attempting to purchase a home, I was informed that I had an unpaid account balance at XXXX XXXX XXXX. Because I never had service with XXXX XXXX XXXX, I immediately went into the local store. While at the store, I was told that there was a balance on an old XXXX account that I no longer have and that was ultimately turned over to XXXX XXXX XXXX. In the interest of resolving the issue so that I could complete my home purchase, I immediately paid the balance. However, shortly afterwards, I learned that a collection company/XXXX of XXXX had placed a collection on my file for XXXX XXXX XXXX. In response, I informed them that the situation had been rectified and supplied a copy of my receipt. However, they will not remove this inaccurate information from my account. 
I am a XXXX and my wife an XXXX. We have worked for the public good for almost 30 years each. At a time when we are finally trying to make a home purchase using my VA loan, I 'm faced with this dilemma. I really need some help in getting this resolved so that I can return to the home buying process. I need this error removed as soon as possible. I am uploading a copy of the receipt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been challenging the inaccurate and incomplete items in my file with Experian to no avail. It has been a long journey but now I am stuck not knowing what else to do. This inaccurate and Incomplete information in my report is causing me harm.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
JPMORGANCHASE OPENED SEVERAL ACCOUNTS TO XXXX XXXX UNDER MY NAME USING MY SS # AND STOLEN/FORGED DL # AND I HAVE DISPUTED THIS FOR WELL OVER 6 MONTHS TO VARIOUS DEPARTMENTS IN THEIR COMPANY. PLEASE SEE INDENTITY THEFT VICTIMS COMPLAINT & AFFIDAVIT / POLICE REPORT / LETTERS FROM CHEX SYSTEMS / XXXX / AND XXXX XXXX XXXX. ACCOUNTS WERE OPENED USING A FRAUD PHONE NUMBER XXXX - FURTHER INVESTIGATION UNCOVERED ACCOUNTS WITH JPMORGANCHASE WERE OPENED ONLINE USING XXXX ADDRESS : XXXX. THIS IS AND NEVER WAS MY XXXX ADDRESS ON ANY COMPUTERS. CONTACT EXECUTIVE OFFICES @ XXXX EXT XXXX ADDRESS : XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My complaint is with Experian. 
They are STILL SHOWING : XXXX XXXX, XXXX XXXX XXXX, XXXX, And, XXXX XXXX!!! 
These items are supose to be removed!!!! 
XXXX and XXXX already have!!!, for they were proven wrong!!! 
XXXX!, how much longer is it going to take to get this beuroe to get a grip??? 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: Monarch Recovery Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving numerous calls from Monarch Recovery ( somewhat unintelligible ) on a regular basis. I researched this company and they are a debt collection company. I do not have any debt or credit problems. They are calling from XXXX. Calls vary by days and by times and and are interrupting my land line phone service with their robocalls. What can be done to eliminate this. From the internet, I see where there are many similar complaints. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
WHY MY PAYMENTS FOR XXXX ARE NOT BEING REPORTED CALL XXXX TO MAKE A COMPLIANT AND THEY STILL ARE NOT REPORTING WHEN I PAY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo is ripping off their customers. My checking account was not over drawn and while there were pending charges, XXXX of the charges were duplicates and I had made an additional deposit on the XXXX making the checking account balance. I talked to their customer service people and they told me that their screen is not the same as my checking account, and that they create over drafts by putting in the pending charges/checks. However, the pendings charges/checks had XXXX venders that doubled their charges. XXXX has cleared and the other should drop off by monday. My available balance had over {$1000.00} in it. This bank is practicing theft by deception.

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 2017-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Account XXXX/XXXX Account # XXXX was closed on XX/XX/XXXX because of non payment from prior marriage. The company claims last payment to be XX/XX/XXXX which I believe is date sold to collection company not my last payment date. My last paid date was prior to XX/XX/XXXX and should not be on credit report because statute of limitations. I have disputed this with all XXXX bureaus and Transunion is the last to not remove this derogatory. I would like the proof from XXXX/XXXX as to there claim of a XX/XX/XXXX payment which I assure is incorrect and not a generic response from Transunion. This derogatory is hurting my ability to acquire home loan. The statute of limitations has run out and should be deleted. please investigate the issue. 

thanks 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 2017-02-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was recently denied credit based on information retained by Equifax Credit Information service. When I tried to inquire by phone at the given number XXXX, I got an automated attendent that after I told it " Denied '', it said I had to use a credit card to pay for my report/score. I tried to tell it otherwise, but it seems preset towards this option. The only other option given for communication if by mail to a XXXX. This all appears unfairly set up to discourage compliance with consumer requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have sent Trans Union numerous requests asking them to please investigate and correct some accounts in my credit report/file that are reporting incorrectly and they are not responding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation