BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-06
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I experienced a permanant separation from my spouse of XXXX years. I 've explained this to Ally Financial as I struggled to catch up on payments over the past XXXX  months. Their reasoning for not being able to offer XXXX type of assistance is due to the age of the loan. It 's only XXXX months old. I 've explained to them that since the separation, which was completely unforeseen, my expenses have understandably doubled since I 'm responsible paying all bills myself. I definitely do not want to lose my vehicle, but I 'm met with constant threats and intimidation tactics from Ally representations. They continually ask me for the reasons I 'm running behind on payments, do they not understand that people experiencing a separation after that amount of time might have difficulty getting thing back on track. I 'm am continuosly given incorrect or misleading information regarding their collections process, some reps say my vehicle will be XXXX XXXX immediately, others give differing variations of the process that are inconsistent and could harm consumers.

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 2022-04-05
Company: EQUIFAX, 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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express XXXX just closed my account XXXX days ago without giving me XXXX single reason. I tried to know the reason, but I failed to know why. I have been a loyal customer since XXXX till today. Never missed a payment, and I always pay on time. I have a high XXXX XXXX. Had almost XXXX in rewards miles, and paid off the balance every month. Would n't give me any specific reason. I 'm furious! Is this because they have n't made interest off of us in all XXXX years? Is that how they treat their loyal customers? I really feel disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter dated XXXX XXXX, XXXX from Portfolio Recovery Associates, LLC trying to collect from a XXXX XXXX XXXX XXXX. account that has been closed for and satisfied for years. This account has not appeared on my credit report in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: KEYCORP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had my insurance with XXXX for 20 years now as long as I had my mortgage with KeyBank. I 've had wind damage to my roof and when I contacted XXXX they told me my insurance was cancelled back in XXXX because KeyBank did not submit the escrow. KeyBank clearly said they are at fault. So now I had to get new insurance and they are requiring my to replace the roof. I have contacted KeyBank and still no response even though in the Email to XXXX they clearly say they are at fault and will apply back insurance from my cancellation date due to the error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2021-11-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
I found out that Midland Credit Management added a collection account on my credit reports. I reach out to them letting them know this account was opened fraudulently & it doesnt belong to me. The representative advise I can settle with and they will than remove it from my credit report. I advise them that it was not my debt and they never sent me the proof in writing as I requested. I contacted XXXX, XXXX XXXX XXXX advising them that this account was fraudulent. They removed the account only for it to updated as verified. I reach out to the credit bureau and advise to them I never received any of the information on my request from Midland Credit Management for proof verifying this accords opened by me. Im filing this report because I dont know what to do in order to have this collection account removed from my credit profiles that is impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had refinanced my loan with XXXX and closed it on XX/XX/2020, after 2 days i had received a mail from XXXX that my loan is transferred to Chase Bank, and on XX/XX/XXXX i got a mail from Chase Bank with new Loan Number confirming that Chase Bank is servicing my Mortgage Loan, and there was no communication after that. 

So on XX/XX/2020 i called Chase Customer Support on how to create online login to schedule Auto-Pay for my loan, but the answer from them is " Loan is not transferred to Chase due to some issue ''. 

So i contacted XXXX, but they say they can not help, as my XXXX is transferred to Chase and when i contact Chase they say my XXXX is not transferred and asking me to contact my original lender ( XXXX ). 

i am not sure what to do, as i had closed my house on XX/XX/2020, and after 30 days still i don't know who is servicing my Home Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As I in the process to repair my credit, on XX/XX/2020, I contacted Midland Funding LLC at XXXX, located in XXXX, MI and debt collector, regarding to my credit card debt with XXXX XXXX on the amount of {$1100.00}. I was connected with Mr. XXXX XXXX, who introduced him as an Account Manager for Midland Funding LLC. We agreed to settle the amount due on the total of {$950.00} and paid on XXXX XXXX and was provided with the confirmation number of # XXXX. Mr. XXXX mentioned to that I will received a letter within 10 day as confirmation since they do not send emails as payment confirmations and the balance will cleared from my credit. On XX/XX/XXXX, I contacted Midland Funding LLC since I have not received the confirmation letter nor was the balance due cleared from my credit. I was told that the letter was " just generated and will be mailed on that week ''. As of XX/XX/2020, not only have I not received the letter, but the balance on the account still is on my credit. I feel that Midland Funding LLC has acted on " bad faith '' and has not kept their word on our agreement/settlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 I purchased gun safety box from XXXX XXXX in the amount of {$99.00}. 
I found it online, made a PayPal payment and was promised to get email confirmation/shipping details after the payment goes through. I waited for few days and did not receive a confirmation. I did reach out to PayPal to dispute the transaction. However, PayPal did not accept my dispute saying the sale was a Gift card not a Safety box. I did explain fraudulent advertising and transaction details, yet PayPal did not accept my dispute, and closed the case declining PayPal advertised purchase protection. 
As of today i paid {$99.00} for the item i never received ; and can not get my money back because PayPal does not want to review the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: SYNCHRONY FINANCIAL
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I received a credit card with a limit of XXXX XXXX XXXX XXXX dollars in XXXX of XXXX. XXXX  XXXX XXXX took the XXXX XXXX XXXX XXXX dollars. I complained to Synchrony Bank the issuer of the credit card. I complained that XXXX XXXX took the funds without my permission. XXXX XXXX paid the activation fee for the credit card and took the funds.I had an agreement with XXXX XXXX to finish the basement. Yet, they did not finish the basement. 
I complained to Synchrony Bank. They said they would investigate my claim. In XXXX of XXXX, Synchrony Bank wrote me. They stated I would have to pay the XXXX XXXX XXXX back because I benefited from the use of the card. I wrote them and asked them how did I benefit, in what way?? I have a right to know .I did not get the XXXX XXXX XXXX XXXX dollars nor did I get the work I requested done, so how did I benefit. They told me to pay the XXXX XXXX XXXX XXXX dollars and ask XXXX XXXX XXXX for a refund .Imagine that. 
Wouldnt a honest merchant be happy to state the services or materials provided.Yet, XXXX XXXX XXXX took XXXX XXXX XXXX XXXX dollars and refuse to say why. Why should I pay for what I did not receive???

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 2023-04-11
Company: Foris DAX, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by " XXXX '' ( the Fraudsters or the Company ). The total amount of XXXX USD was transferred from my wallet utilizing your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: CA
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:
The XXXX  inquiry on XX/XX/XXXX was initiated in error. XXXX allows individuals to check their rate without affecting their credit. I checked my rate on XX/XX/XXXX and received an alert of a new inquiry. After contacting XXXX  via their online chat, I informed them of the new hard inquiry. They sent a letter stating they were investigating the matter and would have a resolution soon. I later received a letter via usps stating they were going to remove the inquiry. However, it is still present on my report. Please see the attached letter from XXXX. 

Experian refuses to investigate my dispute in accordance with the FCRA.

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 2020-04-24
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: Account status incorrect

Complaint:
I disputed the XXXX XXXX XXXX XXXX late payment claim with Experian Credit Reporting Agency. My records indicate that I made the XXXX payment on XX/XX/XXXX which was due on XX/XX/XXXX. I was not charged a late payment fee by this merchant. As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have spoken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.

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 2022-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I am receiving repeated, threatening calls on an average of every XXXX minutes and feel harassed. Claiming non payment as well as wrong information reported on my credit report after a credit protection claim was allegedly in effect on my account. I respectfully request for this issue to be handled asap. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. AFTER SPEAKING WITH THE POLICE I SENT IN A LETTER WITH AN IDENTITY THEFT AFFIDAVIT ALONG WITH 3 FORMS OF IDENTIFICATION TO EQUIFAX ON XX/XX/2021. I sent the letter over 30 days ago but I STILL DONT HAVE A RESPONSE FROM EQUIFAX. EQUIFAX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION OF THE FCRA LAWS. I WOULD LOVE FOR EQUIFAX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been compromised inwhich resulted in unknown and unauthorized accounts reporting on my credit file inwhich I have no knowledge of, therefore I'm demanding that these accounts be blocked and removed immediately from my credit file, if not then the 3 major reporting agencies shall show just cause via a Method of Verification and if this can not be honored then the following accounts shall be removed. 

1 ) XXXX  XXXX XXXX 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX {$580.00} 4 ) XXXX XXXX XXXX {$540.00} 5 ) XXXX XXXX XXXX {$530.00} 6 ) XXXX XXXX XXXX {$270.00}

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 2021-09-03
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the XXXX XXXX Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: MS
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-04-05
Company: DISCOVER BANK
State: GA
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:
I had booked a flight using my Discover credit card on XXXX for XX/XX/XXXX from XXXX to XXXX. It was a XXXX XXXX XXXX. 
The flight got cancelled four hours before the departure. 

I called XXXX XXXX asking for my refund, they told me to contact the Airline directly. So i called up XXXX XXXX and they asked the last four digits of the credit card number XXXX XXXX used to book my flight ( note that it was not my discover card ). 

So i called XXXX XXXX  again asking for the last four digits of the credit card number again and they told me they can not provide it and asked me to contact the airline again. 
I called up the airline again and even they told me they can not help me here. 

The flight never flew and i never got the service and now these companies are not refunding my money. So i reached out to my credit card company DISCOVER to file a dispute and they straight told up they can not dispute it. So none of these three companies are helping me to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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/AES both utilize a glitch in their computer system to collect more late fees/interest on student loans. I started paying back my student loan in XXXX, 2006, and I am 2-3 years ahead in paying back student loan. However, AES indicated to credit bureaus that I was late 60-90 days, when in fact I was ahead 2-3 years ahead in paying back my loan. Whenever a person is 2-3 years ahead in paying back loan, and if they are set up on direct debit where the system/loan gets paid automatically by direct bank payments, the computers start thinking that a person is late once the direct bank payments stop. The computers do n't consider that a person was ahead 2-3 years ahead of paying back loans, and immediately start indicating a 30/60/90 day late notice when no late notices should be charged as person can be ahead 2-3 years. The staff/people at XXXXAES are aware of the glitch, however, they still collect on late fees/interest when we are 2-3 years ahead of paying back loan. I have been waiting patiently for AES to refund late fess and remove negative information on credit reports, but they have failed to do so. It Is against the law what these companies are doing. If you note on attached documents, AES indicates that no payment needs to be made for several months, but on the other document, it states that I am past due 13 days. They ca n't have it both ways, and I am over 2-3 years ahead of payment schedule.

Company response to consumer: Closed with explanation