BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX filed a complaint previously with this merchant reporting agency, reflecting untruthful information on his credit report XX/XX/2023. After the review of the information set out by XXXX, the previous merchant collection agency reporting information on his credit profile with the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) allegedly agreed to remove this information from his credit profile. XXXX is including the merchant credit collection agencies response to the first complaint filed. However XXXX has since checked his credit profile and is seeing that XXXX, by and through a collection agency doing business as an alleged Credit Collection Services is asserting that there is an unpaid collection account, despite putting in writing that the alleged debt would be removed from his report through their own collection efforts. This debt is not valid. XXXX made several efforts to return the equipment to XXXX, and in each instance was not provided adequate customer service to meet his need in so returning this equipment to them. XXXX called and was advised that he could not return the equipment without going to a local store. XXXX then brought the equipment to a local store and was advised to call customer service again. This is an unfair return process which is allowing for an extortive act against his reputation and finances. This account needs to be permanently removed and not allowed to be placed on his credit profile again, or possible legal action will commence for misrepresenting information in an attempt to extort XXXX of money not owed for goods that are not intentionally being kept from the merchant.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: CITIBANK, N.A.
State: NY
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:
Hello I was charged for the month of XXXX {$40.00} late fee and for the Month of XXXX a {$39.00} late fee was assessed to my account. I spoke with someone directly after making my payment and he stated that he will not be able to waive the late fee after bringing my account current. The employee ID number is XXXX. I am just getting over the virus and was shocked that the system would not allow this to happen. Please help me resolve this matter. Thanks.

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 monetary relief
Consumer complaint received 2022-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I Purchased a online marketing services from {$190.00} from a company called XXXX XXXX XXXX ( XXXX ), which those services were not provided. By XX/XX/XXXX I saw in my credit card statement another charge for {$190.00}. I contacted merchant and he dined to refund payments. then I contacted Capital one ( credit card company ) to request a dispute for those charges. Capital one ask me support documentation which I provided. after few days they replied me back telling that the dispute was rejected because I need to submit more letter and documentation. since then I have been submitting all the documentation requested, including email from the merchant holding me in ransom to get my refund just if I delete review from XXXX XXXX. 

Capital one still rejecting my claim after sending letters, proof of disputes, emails from merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XX/XX/XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XX/XX/XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXXl, since the amount was wrong, I still owed a small balance and I paid that off in XX/XX/XXXX. In the meantime, XXXX marked me late 30 days for the month of XX/XX/XXXX, reported the late to the credit bureaus, then marked the account paid in full in XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: GA
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 called XXXX/Equifax after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was an Account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX : {$32000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove items which are not belong to me because it is fraud. 
I do not recognize this account and have never incurred debt with this creditor. I do not know where it came from. Thus, I am requesting that you please verify the validity of this account and remove it once its confirmed that it is not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow this account is verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2020-04-30
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX  XXXX {$590.00} XXXX XXXX XXXX {$250.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXXXXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: MI
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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Contacted my employer after I told them I'm not allowed calls at work. When calling to make my payment, I asked the rep ( XXXX ) to not call my employer or anyone else regarding my balance owed or payment. He kept acting like he would process my request and then say we will call those numbers as a last resort. I told him 4 times he did not have my permission to call my employer or friends/family about my debt and he refused to give my confirmation he or anyone else at their company would respect my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I called into U.S Bank on XX/XX/ and due to suspicious activity that I wasn't given details on, they decided to close my U.S Bank Checking Account and send me a closing packet which includes {$1500.00} of money that I deposited with them. They were very rude, and no reason was given, and I told them I would not be using their services in the future due to the situation being handled so poorly, I just want my money back. I am filing this complaint on XX/XX/ and still have not received the closing packet with the {$1500.00}. Please help me get this resolved, as this is very frustrating and I just want my money back, and no longer want to do any business with U.S Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Hello and To Whom It XXXX Concern, I had bought a vehicle from XXXX in XXXX of 2019. My loan was the lender Bridgecrest XXXX. I had made regular payments and extra payments through XXXX of XXXX it was illegally repo for allegedly failing to make payments. It was impounded and I was told I would have to pay for it from the Auction company copart. I was not able to and the lender has put this on my record as a repo and continually harassed me to repay the debt. I have included copies of all the payments that were made and correspondence from Bridgecrest XXXX, I do not know if I should take them to court or how to proceed it is very discerning because this happened at a time during the pandemic when it was difficult to find a lawyer, many agencies were closed and this has severely hurt my finances. Thank you for investigating this matter for 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 2019-12-04
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am currently making payments to fedloans and am part of the public service loan forgiveness program. I began making qualifying payments XX/XX/XXXX and have submitted recertification forms yearly. In XX/XX/XXXX the number of qualifying payments to one of my loans dropped from 33 to 27. I called fedloans and requested a recount. I was told it would take 3 months. I have called every 3 months since that time and have not been given any information as to why several of my payments are no longer being counted or when the recount will be done. It has now been 17 months and the counts are still incorrect and new payments have been counted since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove items which are not belong to me because it is fraud. 
I do not recognize this account and have never incurred debt with this creditor. I do not know where it came from. Thus, I am requesting that you please verify the validity of this account and remove it once its confirmed that it is not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow this account is verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2022-03-08
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have attempted to resolve this issue with RENT RECOVERY Solutions on two occasions by sending them letters requesting them to validate the debt that they are reporting to my credit report. I recently sent them a letter on XX/XX/2022 30 days ago and have not received any response. I am providing the tracking number XXXX that shows that Rent Recovery has received my letter, I addressed the letter to XXXX XXXX, Executive Vice President. I do not agree with the balance that Rent Recovery is stating is owed to apartments XXXX XXXX. I also was not notified by the apartment complex XXXX XXXX on any eviction and was not served any eviction notice, I do not agree with the charges that XXXX XXXX is claiming that is owed to them. Also Rent Recovery is not reporting this with an actual name on the XXXX credit report I was unable to address this account within 30 days before it reported to the credit reports due to the fact that there is no debt collector name attached it simply states XXXX XXXX ' I have attached a copy of the credit report as well to show that this account is not reporting accurately in several aspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I recently received a notice from XXXX XXXX  about denying my business a credit product from XXXX XXXX XXXX due to TRANSUNION-NATIONAL reporting inaccurate important on my consumer credit profile. This makes the about the seventh complaint I have filed against TRANSUNION for violating my right to privacy pursuant to 15 USC 1681 ( a ) ( 2 ) which specifically states that a credit reporting agency may not furnish ANY information on my consumer report I accordance with the written instructions of the consumer to whom it relates and I never gave TRANSUNION to report anything to XXXX XXXX  and also they have violated my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) in which specified there is a need to insure that consumer reporting agencies exercise there grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TRANSUNION has continuously defame my character willfully and knowingly after I have made them aware of this numerous time and they continually ignores 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 2019-03-18
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXX Booking : XXXX XX/XX/XXXX : I called XXXX XXXX ( tel XXXX XXXX XXXX and spoke to inquire about the refund of a {$100.00} deposit made from a closed Chase Sapphine Visa account ending in # XXXX and was informed that refund transaction was done on XX/XX/XXXX and that I should call Chase to follow up on this refund since the card that was used to make the deposit on XX/XX/XXXX is already closed but per XXXX XXXX XXXX, the refund transaction was successful ( see attached document ). 

XX/XX/XXXX : After not receiving any refund check or notification from Chase, I again called XXXX XXXX XXXX to follow up. As informed on my original call on XX/XX/XXXX, the refund transaction was already done on XX/XX/XXXX and that I should contact Chase to follow up on this refund. 

XX/XX/XXXX : I called chase XXXX. I informed the representative that a refund transaction was done by XXXX XXXX line on XX/XX/XXXX on a credit card account with Chase that has been closed since XX/XX/XXXX. Chase was able to locate my account ending on # XXXX and was told that another account would be created so that a refund check can be mailed to my address of record and that a check should be in the mail in about 6 business days. 

XX/XX/XXXX : I called Chase to follow up on the refund check since it has been over 2 weeks since I last called Chase and still no refund check. I was transferred to 5 people including a supervisor since Chase could no longer find my account and was told that I have no previous account with Chase and that my last previous account with Chase was in XXXX. 

This is very concerning as I had both the Chase Sapphire Preferred and Reserved account with Chase and have used those two credit card accounts for tens of thousands of dollars of transaction from XXXX through XXXX. I was told that I would need to go to a Chase branch to see if my account could be located. 

XX/XX/XXXX : I went to a Chase Branch in XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Driving directions XXXX The branch was also unable to locate my account. I even showed the Banker an image of my credit card that I was able to save in my phone. I was told again that there is no record of this credit card. How can there be no record of this account if I have an actual picture of the credit card. The Banker was also puzzled. 

All I ask is the refund of the {$100.00} deposit that was made on Chase Sapphire credit card ending on # XXXX that was made on XX/XX/XXXX and refunded on XX/XX/XXXX. How could 2 years of transactions with Chase all of the sudden disappear. 

Sincerely, XXXX XXXX XXXX I hereby allow my husband XXXX XXXX ( XXXX ) to be contacted for matters concerning this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 contacted XXXX XXXX XXXX, XXXX in XX/XX/2020, disputing the validity of reporting this debt. There isn't any record of any contract or agreement with them and they have failed to provide any proof of validity. I also contacted XXXX, Transunion, and XXXX. There has been a failure of any response. 

They are also been in violation of the recent FTC ruling, by " debt parking ''. I wasn't contacted or made aware of this alleged debt any time prior to it being reported. In the recent case of FTC vs Midwest Recovery Systems, the court ruled that " debt parking '' is illegal and is a strategy known as passive debt collection. 

debt parking can result in a consumer only finding out that a purported debt exists when his or her credit report is accessed in connection with buying a car or home, opening a credit card, or seeking employment. While the debts may not be valid, consumers can feel pressured to pay them off. 

I have sent letters to all credit bureaus and this company and I am being ignored. I do not have the same power as them, but they are affecting my livelihood with something I do not owe. This has been fraudulent, and now they have created a history of using that to blemish my credit.

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