BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: CITIBANK, N.A.
State: NY
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:
They are negatively affected my credit score by false reporting. They dropped my credit limit without my knowledge and proceeded to process a payment late. I went into the store where they dont do cash bill pay and I went online they reported my account later. They are impacting and reporting my scores in an in fair, and derogatory manner!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I initiated a wire transfer from chase to XXXX XXXX XXXX, I purchase a semi truck to start my own business. On XX/XX/2021 I wire {$15000.00} to XXXX  XXXX XXXX account number XXXX, routing number XXXX. Chase keeps telling me that they have completed the transaction but XXXX XXXX XXXX XXXX at XXXX PA keep telling me that the money has not been received by their accounting department. Witch is the account info from above. 
It's a been almost a week and I am sure now that chase is not trying to help me at all, I please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a used vehicle in XX/XX/2022. I mistakenly thought my first payment to Westlake Financial was in XXXX, however, it was due XX/XX/2022. Without any telephone, e-mail, text messages or regular postal service communication they repossessed the vehicle within ten days past the due date. I not ever given any opportunity to quickly rectify this before they took such drastic actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold a home in XXXX, GA on XX/XX/2020. I am owed {$3800.00} in escrow from the sale of this house from Dovenmuehle Mortgage , Inc . The load was serviced through XXXX XXXX XXXX. The property address of the home that I sold is : I did co-own the home with another owner, but I am the only one due the escrow payment since I was the one who put the down payment on the house. Neither one of us has received any payment from the mortgage company. 

I have called both XXXX XXXX  and Dovenmuehle Mortgage Company numerous times inquiring about the escrow payment. Every time I contact them, I am told that the check was sent to the address of the property I had sold. I understand that, however, it was never forwarded to my new address and I have not received it. I am not sure why they would send a check to a house I just sold, which makes me question if it was ever sent at all. I have also heard a lot of excuses for the non-payment. Then again, I have also been promised many times that the check would be sent to my current address. I have even been given dates to expect the delivery of it. All of this to no avail. This issue is not only frustrating, but the mortgage company has a legal obligation to ensure I receive my escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: TrueAccord Corp.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Since XX/XX/2018, my personal information has been illegally shared by XXXX XXXX with a company named TrueAccord. TrueAccord claims that XXXX XXXX XXXX XXXX XXXX is their client and that I owe {$60.00}. I have been harassed repeatedly for years with them overwhelming my inbox. It has been stressful. I am a XXXX veteran already dealing with enough XXXX  health issues. I do not have an account number for this alleged debt and did not give my express permission for a person, corporation, or any third party to release my personally identifiable information or contact information. The information that they have obtained is also grossly incorrect! Please just make it stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: NJ
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 pay my parlance on my credit card always and I explained this to XXXX XXXX equifax and every month they do the same thing they lowered my scor and then ask me to pay money to raise my score so they do that on purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 called Capital One on XX/XX/2020 at XXXX to downgrade my Savor credit card to a Savor One as I did not want to pay the {$95.00} annual fee for renewal ( The renewal date for the card was XX/XX/XXXX ). The  service representative told me that I could not downgrade to the Savor One card ( others lesser downgrade options were available ) but I was eligible to have the renewal fee waived once it posted. Since I was not charged an annual fee when I applied for the card, I triple checked this with the representative who even checked with a supervisor who confirmed that this was true. 

I called in today ( XX/XX/20 ) to get the fee waived. They told me that they would not refund the fee and that there was no way to tell if would have been waived until it posted. When I asked to talk to a supervisor, they refused and said the decision is final. 

I never would have kept this card without the assurances provided previously by CapitalOne that the fee would definitely be waived. If they had told me this in error, they should have corrected this mistake immediately or at least researched the issue. I feel that I was defrauded by CapitalOne in a predatory manner and ask that the {$95.00} fee be waived. 

Please request the phone logs and recordings from CapitalOne as they will prove my account of what occurred is correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX Repossession XXXX XXXX - Charge-off XXXX XXXXXXXX Charge-off XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX Charge-off

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 2021-04-21
Company: Experian Information Solutions Inc.
State: NV
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: Investigation took more than 30 days

Complaint:
I reviewed a copy of my credit report and I sent there is a collection items listed that I am not aware of. I attempted to contact collection company and request verification and recieved nothing back. I understand is this a violation of FDCPA and to have account deleted.

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 2022-03-25
Company: Westlake Services, LLC
State: NY
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:
inaccurate/unauthorized fraud items on report. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am having issues with navient on my federal student loan. They charged me a late fee after I asked what amount I needed to pay to get current. They only told me XXXX. I paid {$700.00}. The following day they charged me a {$65.00} late fee. They are reporting to all three bureaus the wrong information. Please see the following on all my credit reports : DEPT OF ED/NAVIENT Reported : XX/XX/2020  {$8300.00} Now I show according to all my payments that I owe {$7000.00} and have not been late in the last couple of months. They are still showing 9 payments late. Please see my following attached account Account Summary As of XX/XX/2020 ( ET ) Total Payment Due : {$7000.00} Current Amount Due : {$65.00} Past Due Amount : {$7000.00} Recent Payments Date Amount Status Show more information XX/XX/2020 {$110.00} Received Payment was received Show more information XX/XX/2020 {$750.00} Received Payment was received Show more information XX/XX/2020 {$250.00} Received Payment was received Show more information XX/XX/2020 {$100.00} Received Payment was received Show more information XX/XX/2020 {$250.00} Received Payment was received View all Account History

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
bank of america didnt want to do anything to help 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 monetary relief
Consumer complaint received 2024-01-10
Company: I.C. System, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company is ic systems and its original creditor XXXX XXXX XXXX is reporting a fraudulent item on my credit report attached are polokxe report submission and identity theft affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
I reviewed a copy of my credit report and I sent there is a collection items listed that I am not aware of. I attempted to contact collection company and request verification and recieved nothing back. I understand is this a violation of FDCPA and to have account deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
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: Investigation took more than 30 days

Complaint:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in they are causing me severe XXXX and stopping me from getting this job offer and now im homeless n cant provide to my two year old daughter and I started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2020-03-17
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2020 I attempted to open a new CD at Marcus by Goldman Sachs. They took all my personal data including my SS # then after putting me on hold a couple times they came back and informed me they could not verify my identity and refused to let me open the CD end of discussion. I can't believe that they could not verify my identity. When I asked questions and offered to help fix the problem they weren't interested. I became very suspicious and worried that they were only fishing for personal information. I am retired and it could be very devastating if my info got into the wrong hands. 

After worrying a few days I called them back and asked them to delete my info from their data base. They said they couldn't do it. I asked WHY but they had no answer. I tried to explain that there was no possible legitimate reason why they needed to keep my info. Data bases are being hacked every day. 

I then did some research on the internet and found that this bank had been the target of ethics complaints involving data gathering by some of the high executive officers. 

I need you to convince this bank to delete my data completely and if possible reassure me that I have nothing to worry about concerning this incident. 

Very worried XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX Ability Recovery Services LLC placed debt on my credit report. I immediately contacted them to inquire what this debt was and why was it put on my report. When I spoke with them they stated it was an unpaid medical collection in the amount of {$1200.00} from XXXX. I told them I am not aware of any medical visit around that time and believe it was an error. They stated there was nothing I could do but pay for it! So in XX/XX/XXXX, I requested a debt verification letter giving me the details of this matter and to show proper proof that I agreed to pay them. Instead what I got was an alleged copy of a bill on another companies letterhead with private medical info on it. Not only did this letter NOT meet proper debt verification standards, but it also was NOT accompanied by a HIPPA release form. This is a violation in which I intend to file a lawsuit. I have since sent the same debt verification letter to the credit bureaus. As of today, Transunion is the only one that has removed this debt because it was unverified. I'm confused doesn't all 3 credit bureaus receive the same information?? So I am forced to file a complaint. This debt has NOT been properly verified and needs to be deleted from my credit report! Once this is done I am also requesting a deletion letter be sent stating that Ability Recovery Services LLC is no longer trying to collect on an invalid debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
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:
I checked my credit report on XX/XX/2021 to find that Experian willfully failed to comply with requirements imposed under the FCRA. The FCRA 's purpose pursuant to 15 US Code 1681a ( 4 ) is to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have been violated and abused under this notion. I am aware and have provided proof to Experian which was mailed on XX/XX/2021, received and signed for onXX/XX/2021 certified with a return receipt that they are in violation of 15 US Code1681n ( B ) which states that in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On ( XXXX ) I disputed an account reported by ( XXXX XXXX ), in the file you maintain under my social security number. I was informed on ( XXXX ) that the item was deleted on my credit report. By Transunion. I was informed by XXXX the account was deleted on XXXX, and XXXX deleted the account on XXXX Now I have discovered that the item has been reinserted on my credit report. 

The collections account needs to be deleted as my rights have been violated.

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 2023-08-08
Company: SYNCHRONY FINANCIAL
State: NC
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 XXXX with the fair reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the rights to privacy. 15 USC 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Also under 15 USC 1666 ( B ) a creditor XXXX not treat a payment on a credit card account under an open and consumer credit card as a late payment for any purpose. I request that all late payments to be removed from my credit report according to my rights mentioned above. Thank you in advance for your help in protecting my 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 explanation