BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: FinCo Services Inc DBA Current
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Received notification through my banking app that an ATM withdrawal was made in XXXX CA on XXXX in the amount of {$480.00}. I did not make the withdrawal, I was at home in my residence in XXXX, Colorado with my bankcard in my possession at the time the withdrawal was made. I immediately contacted my bank and disputed the transaction, and submitted documentation that I was not in California on XXXX. My dispute was denied by my bank on XX/XX/22 claiming that there was documentation that the transaction was legitimate. It could not be legitimate, and, I was not advised to file a police report during the initial report on XXXX so no police report was filed until today after being told that I would need to appeal the bank 's decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
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: Account information incorrect

Complaint:
Accounts are required to report with100 % accuracy. The payment history on Experian records reflect multiple consistencies Ive include video below not to mention that each time I reach out and complain about this account the agency chastises me and reports it as chargeoff how can a closed account report as charge off Im requesting removal of this account for the violation. Not to mention. I never had a {$1900.00} credit limit this has been rigged

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 2021-10-23
Company: Global Lending Services LLC
State: NV
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 have bank statements showing timely payments. 

Global Lending due on the XXXX of each month. 

( A ) 30 days late XX/XX/XXXX. 
1. Bank statement payment was made on XX/XX/XXXX. 

( B ) 30 days late XX/XX/XXXX. 
1. Bank statement payment was made on XX/XX/XXXX. 

( C ) 30 days late XX/XX/XXXX. 
1. Bank statement payment was made on XX/XX/XXXX. 

The vehicle was traded on XX/XX/XXXX but, Global Lending continued listing late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: MARINER FINANCE, LLC
State: NC
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:
Mariner Finance approved a loan online in my name, which was not opened by me. The loan is fraudulent. I provided the company a valid FTC Identity Theft report as well as a valid police report. I also reached out to the company 's head of compliance to note that I did not open the account. I believe the account was opened by a family member without my consent and I appraised the compliance department of this fact. The company has refused to remove the account from my credit report despite the fact that it was fraudulently opened. I am submitting this formal complaint to contest that the company must remove the information from my credit report because the account was opened by someone other than myself and therefore an act of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe I qualify to get funds from Wells Fargo for improper handling of my mortgage back a few years ago. Sold the loan in the midst of getting a loan modification. Had to sort sell home to avoid foreclosure with new lender. 

Thank you

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 2021-02-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I'm a XXXX year old female who has had credit since I was XXXX years old. I can't say that I haven't had any issues with credit, but overall, I'm not bad with credit. I pay my bills on time and if I've run into financial issues, I will work out something with my creditor. My problem is with the credit reporting agencies. I've experienced all negative reporting from them all the time. If I'm paying everything on time, my credit file will reflect old items from previous years. For example, I had 1 late payment on a vehicle, 4 years ago, with everything else on time, and my credit score, because of this 1 30 day late payment was in the 500s. To date, I've paid off 3 vehicles, 1 mortgage, have never had any issues with my student loans that I've been carry for 25 years, however, my score doesn't reflect any of this. I've experienced sexism from these agencies when my husband and I were trying to get approved for a mortgage. He had bankruptcies and repos, all kinds of bad debt ; however his score went up to over 700, mine never made it past low 600s. I know the industry is racist because I've seen other races with horrible credit history and scores that were very high. I guess my question is who's monitoring these agencies and their racist and sexist practices?

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 2022-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Our loan is for a new vehicle loan that both our names are on. 

Office of the President is refusing to give me a reason as to why our extension was not granted. Also they are refusing to give us the Presidents name and contact information. 
My daughter and myself has tried to resolve the matter of payments due. And neither the representative nor the Office of the President is willing to give us information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I've received emails and letters saying I'm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2021-02-16
Company: JPMORGAN CHASE & CO.
State: VA
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:
Chase charged me a {$25.00} late fee for a bill I NEVER got that wasn't due until XX/XX/2021. Everybody knows the mail in XXXX was slower than normal because of problems with the USPS so the late fee was absolutely ridiculous! Then I got a bill due XX/XX/2021 for {$5.00} in interest charges even though I MADE NO PURCHASES!!!!! These people are clearly running an illegal scam and owe me {$30.00}!!! I will NEVER use this credit card again and I expect there will be NO MORE CHARGES!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been approved by XXXX XXXX XXXX XXXX XXXX for a credit card balance of {$1000.00} I have had the card and have been using the card responsibility for XXXX  months now, yet, they have not reported the account to Equifax, XXXX and XXXX Credit Bureaus at all. Please have them ( XXXX XXXX ) report this credit card account to Equifax, XXXX and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I am FILLING THIS COMPLAINT because the following inaccurate account and unauthorized inquiries information in my credit report. The items are listed below : XXXX XXXX XXXX XXXX  -late closed with XXXX balance and has payment lates in History... Please update or else delete this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Comerica
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I stopped using My " Direct Express '' prepaid card in about XXXX of XXXX but the card still had a balance of over {$1600.00}. After using the card in XXXX of XXXX I noticed a serious discrepancy in the balance.After some checking I realizing about the fraudulent charges and called Direct Express customer service and fraud departments immediately informed them of the fraudulent charges, reported to miss use online, canceled the card, had a new one issued, requested the necessary paperwork to file the report be mailed, and filed a police report. Also ... In my first conversation with the agent at Direct Express ' fraud department I was informed that the fraudulent amount charge look to Total around {$1300.00} to her and if I filed the paperwork that would be mailed to me and return it within 10 days I would be giving a temporary credit for the amount claimed was stolen while the decision was being made. Direct Express did not mail the paperwork needed from their office for 7 days and I did not receive it until 11 days after the initial report had been made canceling any chance I had a receiving a temporary credit. I've read online that this is a common practice with this company.Once I received an itemized statement from XXXX to XXXX I realized that there were hundreds of these online charges ranging from one cent to around {$40.00} totally around {$1500.00}. I filed a complete report itemizing every charge including the police report number filed and the officer that filed it and waited for a response. After about a month I received a letter saying my claim was being denied and that they believed all charges were made in good standing by me. I called Direct Express ' fraud department, informed them that this was incorrect and was told that they never requested a copy of the filed police report saying it was not necessary and the decision was final, there was no appeal process, and there's nothing that I could do about it. I have copies of the entire claim report I filed with Direct Express fraud department as well as copies of the police reports I filed at my local police department about the fraud if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Unable to obtain credit report from all four known credit reporting agencies or even one : : It is my understanding a copy of my report is free of charge

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 2022-10-26
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan # XXXX On XX/XX/2022 I submitted an application for mortgage assistance. We recently fell behind on loan payments due to medical for a baby that is due soon and this resulted in us missing payments. I have never received any phone calls or communication from my loan advocates. I submitted all required documentation to LoanCare within two days. They received the bank statements on XX/XX/2022. I received a letter on XX/XX/2022 asking for documentation on income. I submitted the requested information that same day. I have tried multiple times to get a response from LoanCare. I have requested my escrow statement to weigh my options and yet have I received that document. I am in California and the deadlines are approaching for the relief. LoanCare stated today the only recourse is a loan modification with a substantial rate increase. LoanCare is impeding my way to restoring my home loan and home retention options. They have continued to hang up, ghost, and ignore my requests. I have asked to do a partial claim several times. LoanCare stated that they closed that program on XX/XX/2022. They stated that they will not open any other options for my situation. This is odd that they are making these decisions without completing the packet. To my knowledge the VA partial claim is open until XX/XX/2022. I believe LoanCare is attempting to put veterans through modifications rather than partial claims due to the amount of interest accumulated over the life of the loan. LoanCare needs to adhere to all laws and regulations of VA home loans. XXXX # XXXX wouldnt let me speak to supervisor. He also refused to transfer to any supervisor or resolutions. He also stated that me making this complaint is going to far. XXXX # XXXX of resolutions is very rude and condescending.

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 2019-07-16
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Id reached out to the company in XX/XX/2019 when it was paid ( {$56.00} ) and theyd informed me that theyd combined it with other medical bills but they would remove them individually and was unsure why it was still reporting to my credit report. Theyd also informed me that the inquiry would be removed within the following months. Id let them know that I was facing financial difficulties due to my son being hospitalized but would attempt to make other arrangements as soon as I could. Please remove this inquiry.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXXXXXX 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 2021-02-18
Company: ALLY FINANCIAL INC.
State: FL
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:
In early XXXX, my husband was in a car accident that totaled a vehicle we were leasing. 

Our deductible was paid. Our insurance company paid the financing company in full as GAAP protection was in effect. We have documentation that insurance paid Ally Financial in full. 

Soon after, I suffered a severe credit score drop and investigated. I found that Ally Bank has my account showing as a charge off. This was not a charge off but an insurable event in which the company was paid. 

I formally initiated a dispute through the credit reporting companies on XX/XX/XXXX after a phone call to the company. On XX/XX/XXXX, I found that they added a remark but did not take off that it was a charge off. I reinitiated the dispute on XX/XX/XXXX ; I received a letter today, dated XX/XX/XXXX that they found no issue and will not be making changes. 

You can tell on the credit reports that the account was current and we paid all invoices that we received. Somebody in their office clearly is confused on what a charge off is and are refusing to resolve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
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: Was not notified of investigation status or results

Complaint:
On all three Credit agencies ( Transunion, XXXX, XXXX ), they are reporting a late payment on my credit card account and auto loan account. XXXX XXXX credit card company reported me late in XX/XX/2020 during the pandemic and I made arraignments with them to make sure I wasn't late that month but they are claiming they don't have enough information to know what really happened. I asked all three Credit Agencies ( Transunion, XX/XX/XXXX, XX/XX/XXXX ), to remove this and haven't gotten a response. Also, with XX/XX/XXXX they reported me late during the pandemic in XX/XX/2020 and I asked for that to be removed as well and I haven't heard anything back from the credit agencies.

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 2021-02-17
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a mail XX/XX/XXXX. It does not have a return address. It state the former XXXX with an account number XXXX that I owe {$27.00}. I called XXXX and they are still on the same name and my account is paid in full as of XX/XX/XXXX. So this is a scam. 


the physical address : Tansworld System Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Return Mail Only : XXXX XXXX XXXX XXXXt XXXX XXXX, DE XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Eastern Account Systems of Connecticut, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a debt of {$250.00} for a medical bill for my daughter reported by Eastern Account System. I do not have XXXX  or XXXX XXXX of my daughter, her mother, my ex-wife, has XXXX XXXX of our daughter. I was unaware of a medical bill, or even that she visited the XXXX. I only found out about this debt from an alert on my XXXX account, once I saw the debt I paid it the same day I received the alert since it was such little money. I never once received a notification, all the bills went to my ex-wife place of residence and she never once informed me of this bill. Since she has XXXX XXXXXXXX, she uses her phone number and her address for the doctors records, hence why I never received or was aware of this bill. I called the doctors office, XXXX XXXX, to see if they can take this collection report of my credit report and they referred me to the collection agency Eastern Account System, I told them the situation and they were unable to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Zions Debt Holdings
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a derogatory remark on my credit report from a Zion Holdings, a company I never had contact with and never knew anything about. I inquired to them, and they stated that they bought an old alleged debt from XXXX XXXX XXXX alleging that I signed a contract on XX/XX/XXXX engaging I believe alarm services. After incessant text messages from them I demanded to receive the contract governing this transaction and after a few weeks I received this bogus document. The bogus contract does not bear my authentic signature and is a fraud, and I sent my actual notarized signature by mail to Zion Holdings, and even though they admit it is not my signature they will not release the derogatory mark, nor will they stop collection harassment including harassing telephone calls, and texts. The two key reasons why this is fraudulent and that Zion Holdings is not operating according to laws is 1. The debt is over 6 years old, and in the states of Connecticut and New York the debt is uncollectable, and 2. The original debt was never signed by me and the debt is a fraud and is invalid. The company, Zion Holdings, despite being provided incontrovertible proof that the debt is invalid, refuses to remove the debt or any collection proceedings and is not working and operating according to collection law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation