BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: OH
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 sent a XXXX letter to Experian asking for original documentation of verification of 5 items on my credit report. This letter was mailed via certified mail with tracking on XX/XX/2022. The letter was recieved on XX/XX/2022. I never received a response within the 30 days, and still have not received any proof or response about my request.On XX/XX/XXXX, I wrote another letter through certified mail, stating that I never received a response and that they were to remove the 5 listed items on my credit report since they were in violation of the FCRA. Today is XX/XX/XXXX, and none of those items have been deleted and I still have not received a response from experian.

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 2020-07-27
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to XXXX/LoanCare XX/XX/19. My prior mortgage company was collecting and paying my hazard insurance. My insurance carrier ( XXXX ) sent me confirmation that my loan company was changed to Loan Care on XX/XX/19 along with the current premium that was due. It was my understanding that the new mortgage company would pay the bill since they had the funds in escrow. I received communication from the mortgage company that they were going to place hazard insurance under them on my home followed by letters dated XX/XX/19 and XX/XX/19 that the policy 's placed by them had been cancelled which led me to believe they had made the payment to XXXX as they were supposed to per my arrangement with my prior mortgage company. On XX/XX/19 they withdrew {$1400.00} from my escrow account to pay for coverage they placed on my property. I immediately contacted XXXX to find out they had failed to pay my policy and coverage had been cancelled. Upon discovering this, I immediately purchased insurance for my property and informed the mortgage company I had done so. Unfortunately due to their failure to pay my policy, I had a lapse in coverage. XXXX/LoanCare took it upon themselves to charge me for this lapse. As it was their responsibility and failure to pay my insurance, I do not believe I should be paying for this. I believe they owe me {$270.00} as only {$1100.00} of the {$1400.00} was refunded to my escrow account. I have attempted to address this with them on 2 occasions both of which took hours on the phone. I was led to believe the error would be resolved and I would be refunded. I have reviewed all of my mortgage statements and no refund has been issued for this. I believe my money was mishandled by the mortgage company and it is frustrating that I have no choice in who is managing my money that they feel they can spend my money in ways that have not been approved by me. They were given notification of my insurance being due and had ample opportunity to pay for it. They failed to do so and also FAILED to tell me that they had missed the deadline for payment and that I needed to resolve this with XXXX. I feel they have failed me in their fiduciary responsibility to handle my money.

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 2023-08-27
Company: Credit Karma, LLC
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today 's date is XX/XX/ I contacted credit karma under their chat response program and got a live agent on the phone. I had a question regarding a creditor that popped up under my Credit Karma account that I did not understand. The gentleman asked me to confirm And send photos of my drivers license and Social Security card after doing that I felt stupid and then I questioned him and asked him his name badge number or employee number and he refused to give it to me when I said I was going to report this and then I took snapshots of our conversation he ended the conversation. I have no idea who this person is that now has my information my personal Social Security number. There is no place on Credit Karma to file a complaint after the conversation a window popped up for me to file a star system rating the conversation which I did and then was it not allowed to process it through. There is no place on the Credit Karma app where you can file a complaint with their complaint department that is why I am writing to you the following is a snapshot of the conversation and the gentleman I spoke to I tried to upload the picture but it would not let me do that here. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
While I was at work I received a notice that {$680.00} had just been withdrawn from an ATM in XXXX CA on XXXX. I called American Express Bluebird and immediately let them know, they advised me to. withdraw the remaining money from the account and close the card and they would send me a new one and start an investigation into the dispute. I received an email 2 weeks later stating the dispute was declined. I called them and they advised me to submit a new dispute and add timecard and video footage from me at work and then 10 days later another denial letter was submitted via email to me. I called back and they asked me to submit another dispute to reinvestigate and with 3 days I had a denial letter in my email. Upon reading reviews online I now know that this has happened to several clients and they have had to take legal action against the company.

Please share my story in hopes of finally reaching their corporate office and making them explain their reasoning behind not standing up to their responsibilities to their card holders and allowing them to be defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Scott Fetzer Financial Group Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Back in XX/XX/XXXX, I reached out XXXX XXXX XXXX to help settle on owed back taxes. XXXX XXXX, Resolution Officer, informed by in a phone conversation that their business could settle between $ XXXX, and have been successful with their resolutions in the past. When I signed on they asked for {$250.00} for the filing fees and told me that I would have to sign more documents, power of attorney so that they could work on my case # XXXX. And that they could get started as soon as I pay them their fees in full. I had to take out a personal loan with United Consumer in the sum of {$5300.00}, and have made 5 payments of {$740.00}, and still owe {$4600.00} until it is paid off, but they did get their money from the loan already. Then they assigned me a case manager, XXXX XXXX. I heard from her once. I had to keep contacting them via emails and phone calls, because they were inconsistent about my case and what I have to do next. I finally started to reach out to them in XXXX and in XXXX. They told me to send in my financial and expenses documents, which I provided back in XXXX. I finally got a letter from the Internal Revenue Service on XX/XX/XXXX, stating that I was set for an installment agreement payment, IN FULL until it was paid off, year XXXX. I will retire before them and will not be able to pay off this debt. XXXX XXXX did not deliver, I could have set up the installment agreement myself. I want my money back, and to be rid of the deb that I owe United Consumer. I felt that these were fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Resurgent Capital Services L.P.
State: TX
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:
According to fcra, i may prevent businesses from reporting information about myself to consumer reporting agencies if I believe the information is a result of identity theft. I contacted LVNV FUNDING with a certified letter on XXXX XXXX with my identity theft report and my proof of identity asking for them to stop reporting this debt to all three major credit bureaus immediately as this was a resuly of identity theft. They received the letter on XXXX XXXX. This needs to be removed asap as the credit bureaus are telling me that they need to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
our business account with JP MORGAN CHASE BANK was permanently closed by the bank and they were suppose to send us a check for the balance amount in our account via mail within 10 days. we tried to contact them but the bank says that our account is under investigation and there is no time limit to when the decision will be made. 
its been more than 5 months since the account closure. 
We have called and emailed so many times but no one replies. all they say is " THE ACCOUNT IS UNDER INVESTIGATION '' and they can not tell us anything else. 
OUR business has been destroyed because the amount in the bank was of our clients and we are ruined financially due to this action. 
kindly help us resolve this situation so that we can receive our clients money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: TN
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:
My Name is reported inaccurately. I would like to see it fixed rapidly. My personal information is essential. It is defamation of my character. There should be any damage to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: SYNCHRONY FINANCIAL
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:
inquiries that i didnt inquire about

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX listed as a charged off, incorrect dates. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, paid by collateral, listed as charged off, incorrect information XXXX XXXX  XX/XX/XXXX, paid, listed as charged off XXXX XX/XX/XXXX, paid, derogatory remark XXXX  XX/XX/XXXX, paid, derogatory remark XXXX XXXX ( XXXX listed ) Paid, company no longer as this account, was paid by insurance from accident. 
XXXX XXXXXXXX XX/XX/XXXX, paid, listed as a charged off These accounts are in question. 
My only addresses are XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX NY, XXXX XXXXXXXX XXXX XXXX CA XXXX I only work for 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 2023-02-10
Company: Experian Information Solutions Inc.
State: MD
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:
Experian - Refuse to remove items off of my credit report that does not belong to me. I have utilized their very own system from fraud alerts because I am a victim of identity theft XXXX XXXX XXXXXXXX Report XXXX XXXX XXXX its reporting by data furnished but anybody that use a social security will in a data furnished. Make it make sense also have a FTC report XXXX XXXX XXXX- reporting XXXX  acct # XXXX XXXX ( which is repoed but I never missed a payment ) that right there should tell you fraud because why would they repo a car that never was late ) Simply was not my car. Investigations are very poor and not in compliant with the Fcra and consumer laws. 

XXXX XXXX XXXX XXXX reporting XXXX  acct # XXXX XXXX ( which is repoed but I never missed a payment ) that right there should tell you fraud because why would they repo a car that never was late ) Simply was not my car. Investigations are very poor and not in compliant with the Fcra and consumer laws. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Please proved that I lived, show me the lease and I will pay you! I never lived in this apartment where this gas was associated with also have FTC report These reporting agencies are breaking not XXXX, not XXXX but multiple FCRA laws and they are not in compliance. 
The inaccuracies on the report alone is ridiculous. This is very much against the law If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, XXXX item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The Consumer reporting agencies are also in violations of ... 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Sates a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. C 1681s-2 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b )

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 2020-07-28
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020, I had my latest phone call with PNC regarding a security feature they put on accounts related to, what they call 3rd party apps not controlled by PNC. In question, I am a consumer of XXXX and was attempting to do a withdraw from my XXXX account to my PNC account. I received a message from XXXX after verifying my banking information that stated the following : " PNC has made a change that prevents you from being able to link your accounts. File a complaint with the CFPB. The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly. You can alert PNC that you need access to your financial data by filing a complaint with the CFPB. '' I have spoken to PNC on 2 occasioins, with tonight being my latest call. In both calls, they said they would " note my concerns in my account '' and tonight, the representative hung up on me after I asked the date the change in policy accorded, reflect 3rd party apps, since as a banking consumer, I was not made aware of these changes prior to, and I have successfully transferred funds prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to address an issue regarding a missed payment that appeared on my credit report in XXXX. Despite receiving confirmation from a representative over the phone that the missed payment would not be reported if I agreed to a payment extension due to financial hardship, it still showed up on my report. I am kindly requesting an immediate correction of this error to ensure the accuracy of my credit information. Your prompt attention to this matter would be highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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:
In XX/XX/XXXX I noticed a balance on my credit report of {$1900.00} on an account with XXXX that I did not recognize. I called XXXX to notify them of the false account. The representative on the phone refused to acknowledge the existence of the account, and a few days later I received a piece of mail stating they were refusing to remove the account. I then notified the 3 credit reporting agencies who performed their own investigations. XXXX removed the account, but Equifax and XXXX denied the fraud claim and kept the account on my report. I submitted a dispute against the denials and awaited a reinvestigation. When I realized the reinvestigation was going nowhere, in XXXX of XXXX I sent a letter to XXXX again asking for the account to be removed as well as any and all documentation relating to the fraudulent account pursuant to my rights laid out in the FCRA. In response, XXXX mailed me the same generic letter they sent me in XXXX denying my request to remove the account, and did not send any explanation or the documentation I asked for. The account is now holding a {$7900.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX XXXX has reported me to all all 3 reporting bureaus as latepayments were made and XXXX never updated.

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 2020-07-27
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:
No evidence of accounts investigated and credit bureaus unwilling to investigate accounts despite all Identification Verification being submit. 

Credit Bureaus added inaccurate information onto XXXX account that was never sent in dispute but didnt investigate the accounts that were inaccurate and requested for investigation.

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 2023-08-27
Company: Telsa Motors Inc
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello team, Am trying to solve this issue from more than 4 months ago, you are waiting my name and my financial future, am trying to build my financial future, am communicating with you XXXX and Tesla finance from approximately 4 months and nothing till now, zero results, I want my auto tesla loan to be effective on my credit reports on a monthly basis, I just get hard inquiry from tesla finance and 2 other finance companies, tesla finance sent my informations already to XXXX as they requested and I'll upload the email here, XXXX is not responding to tesla finance emails or my emails, I will upload also what XXXX applied with the last dispute here.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting 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:
A new credit account was opened in my name by XXXX mattress company. 
There is no current amount due or owed. Was created around XXXXXXXX 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