BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a chapter XXXX BK Discharge on all 3 Credit Reports and i called to asked them how did they verify the Bankruptcy. I send Certified letter on XX/XX/2018 to all XXXX XXXX XXXX and LexisNexis as well. They all are telling me that they sent a 3rd party person down to the court to verify the Bankruptcy in person with my full social security number. In which that's not true because i have a letter from the Clerk of the United States Bankruptcy Court stating that they don't provide that information to the credit bureaus or any third party report agencies. And i received that letter on XX/XX/2018 from the Bankruptcy Court. So the credit bureaus and LexisNexis verification method on how they verified the Bankruptcy is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Good Afternoon, This complaint is about Apple store credit card. I've made one single purchase with his card, my XXXX XXXX back in XX/XX/2020. Since the first statement and payment i had trouble with them.

1. Costumer servile is no reliable. For each issue I had, I need to ask at least 3 times, to get a help and most of the times, the issue wasn't resolves.

I signed up for installment payments, but the first payment I had to pay taxes in full plus the amount of a monthly installment. It was charges twice. I paid and they also make a automatic payment. I went to web site to see my payments, we can not check or see scheduled payment. That leads you to make a 2 payments monthly.
Again the support wasn't helpful, making us, costumers look like a foul.

2. I had another issue when a monthly payment was made twice, in the  middle of the pandemia, XX/XX/2020, have the very same trouble with costumer support, Apple credit cart /

Goldman Sachs. It also showed that I did not paid the card and show late payment. But I ha paid it twice. I have pictures of that. So I had to borrow money to make a 2 time payment to solved the problem. Right after that I transfered my balance from this credit card to another one. I waited about two months and I close the account. I get this account closed, i had to reach out to them five times, four through text message and one via phone call. Its unbelievable how miss managed and mis informed the costumer assitances are.
Attach all text messages with Apple and Goldman Sachs, starting  XX/XX/2020 until XX/XX/2020. 
Thank you for your attention. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a savings account on XX/XX/2019 with Chase Bank to earn a XXXX promotion bonus for a new savings account.  The only requirements were: 1) I had to deposit a total of XXXX or more in new money within 20 business days of account opening, and 2) I had to maintain at least a XXXX   balance for 90 days from the date of deposit.  Once these two requirements were met, Chase Bank would deposit XXXX  in my new account within 10 business days.I deposited XXXX into the new savings account onXX/XX/2019.  I transferred XXXX out of the account on XX/XX/2019, leaving XXXX in the account to avoid monthly service charges.  If you calculate the elapsed number of days fromXX/XX/2019 (NOTXX/XX/2019 when I made the deposit) to XX/XX/2019 (NOT the day I transferred the XXXX out of the account), you will find that I maintained a balance of XXXX in my Chase savings account for 90 days.  I called the customer support number to inquire about my missing XXXX bonus deposit and the call center rep stated that the system indicated I needed to keep the XXXX in the account one more day to earn the bonus.  She then stated that Chase Bank will not pay me the XXXX promotion bonus. Keep in mind that I am NOT including the day that I made the deposit (i.e. XX/XX/2019) in my 90 day calculation above, but it should be included, which would result in a period of 91 days that I maintained a balance ofXX/XX/XXXX in my Chase Bank savings account.I believe I have acted in good faith and met the requirements as set forth by Chase Bank.  If Chase Bank is calculating the 90 day period incorrectly for customers across the country, it could amount to a sizable sum not being paid to customers that are deserving of it.I have also filed this complaint with the OCC..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
Will first of all I tryed getting a loans but they consume that I could n't get it so know I see that I have bad report ungesst me that 's not right for this people be doing me like this and someone been using my identity to get loans and banks I 'm tried of this already please help me fix this problem.thanks 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 2018-04-04
Company: AES/PHEAA
State: MA
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:
Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN! 

Please help me get these off my credit report. 

Someone said that if they don't have the fake loan paperwork then it has to come off my credit? 

Also, my dad co-signed and he is a retired XXXX veteran with a XXXX XXXX XXXX XXXX rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX  XXXX awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration. 

What should I do to get this resolved? 

Thank you so much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. 
I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have contacted y'all today to remove a block off from my online banking account so I can login to it every time I try to login it say this Online access is currently unavailable To access your accounts online please try again later or re-enroll for online access : Online Banking customers, please visit wellsfargo.com and select Sign Up at the top of the page, or call XXXX Online Brokerage customers, please visit wellsfargoadvisors.com and select Sign Up, or call XXXX when I have contacted y'all the agent tell me he can't remove until I go to a my bank in person and I can't go to my bank because I have to get a new picture ID because I have lost it and I have told him that the agents over phone have removed the block for me in the past without me going to the bank and my username is XXXX or XXXX they been transfer me to difference departments the last agent she have restore it back online now now it got block on the online bank again.

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 2020-09-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have been disputing for almost every month, and Experian refused to fix the problem of incorrect amounts that should be deleted immediately. These account and numbers is inaccurate because these numbers are inconsistency they are supposed to be the same, Terms, High balance, Late payments Open date are all grounds for deletion. But they refused to correct or deleted the problems. On my account for XXXX XXXX they have increase my amount from {$3600.00} to {$4800.00}, Now to $ XXXX.When my deficiency says I owe XXXX. They refused to investigate, and they only use Oscar system and not getting real information from company. And soon I will have to get someone to help take care of this problem because I sent them real evidence and they still haven't fix the problem. Same thing with  XXXX XXXX they have amount, Term in months wrong, the amount that is owed wrong. That should be deleted immediately. They have I owed {$9600.00} when it should be XXXX from my deficiency letter. For amount financed they have {$16000.00} when its {$16000.00}. Monthly terms is 72 months, they have 74 months. According to my contracts my contract is through XXXX XXXX. I don't want to have to get a attorney just for these accounts to get resolve but what else to do if they refused to fix the mistake that's on my account,

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 2020-05-16
Company: Experian Information Solutions 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 XXXX XXXX, XXXX submitted an incomplete remark regarding a " loan modification '', but did not indicate that it pertained to XXXX, causing my account to be flagged as a Loan Modification which dropped my score XXXX points. This submission of " historical data should NOT have had any affect on my score. This incomplete remark that XXXX submitted has caused me a lot of headache as I have had to fight them to take responsibility. I have attached proof that after XXXX XXXX  submitted the " Loan Modification '' remarks it dropped my score XXXX  points of which I have not recovered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Diversified Recovery Services Inc.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/18 a outside collection agency attempted to contact one of my family memebers at their job and it was forwarded to me upon talking to them I realized I had already previously accepted a offer from the original creditor but never heard back. This ultimately causing the guy XXXX XXXX for diversified collections to be really nasty and say such things as well sue you and he doesnt care about what I had to say and hung up in my face. He also threatened that o should get a lawyer and so on

Company response to consumer: Untimely response
Consumer complaint received 2020-09-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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:
Toyota Financial Services gave me an extension on my loan due to Covid. I also changed my billing date from the XX/XX/XXXXof the month to the XXXX of the month around the same time. This extension was reflected in my bill. The bill continued to be {$0.00} every month, with {$0.00} in late payments and interest. This continued into XXXX, when I thought my bill would be due. I called XXXX several times to discuss. I was told that due to my date change and due to the extension, that I would receive an extra month as it was reflected in my bill that a payment came in during the extension ... although I can not make heads or tails out of their accounting. Regardless, I have copies of all my bills that reflect {$0.00} due and {$0.00} in arrears. My XXXX bill came with the normal balance of my car payment. I made the payment on time. I was also notified by XX/XX/XXXXthat XXXX put a marker on my credit and it took XXXX points off my near perfect ( XXXX ) credit rating that I have proudly spent my life building with on time payment on all my accounts. XXXX has acknowledged their mistake to me and last month told me they would dispute the credit reduction and fix the problem for me. I just receive a new bill for XXXX, telling me I owed them over {$1600.00} in current billing and arrears. I called XXXX again and was told they refuse to remove the marker on my credit, that yes they were wrong, but I should have known I owed them money even though their bills reflected that I didn't. This was an entirely different conversation than the previous one I had. So XXXX had internal billing issues, which I questioned in phone calls, was told to just pay my bill when it comes due, which I DID, they ruined my credit rating and refuse to fix it now. I have copies of all their bills and they say that I should have paid money that I didn't know I owed and had no way of finding out what I owed because their bills didn't reflect that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After paying Experian, and answering the required questions correctly to verify my identity, for me to access my online credit report. I noticed the following errors ( hard inquiries ) on my credit report : 1. XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   California XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Therefore, I decided to write a letter which is dated XX/XX/2018, to dispute the above mentioned errors. Consequently, I received a letter from Experian that stated, " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity, or the information that you provided was not legible.

My identity was verified online that is how I was able to receive the following reference number from Experian regarding my credit report : Reference number : XXXX  Any assistance that you could provide me pertaining to this matter will be greatly appreciated.

Respectfully, 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 2020-05-22
Company: Experian Information Solutions 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXXXXXX XXXX XXXXXXXX {$13000.00}. 

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX & Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, XXXX & Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The companies above has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

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 2021-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
this company is furnishing false information on my consumer report. I have reached out this company many times about this fraudulent information. All they have said is that the account was verified which is impossible this car was never taken from me an the balance was paid in full.

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 2017-12-21
Company: Early Warning Services, LLC
State: OH
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: Other problem getting your report or credit score

Complaint:
I was not allowed to open a bank account at XXXX because of Early Warning Services. ( EWS ). I requested EWS to send me my report with them at the beginning of the year ( XXXX ) but they did not do this. 

I called them again today and they refused again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Flagstar Bank, N.A.
State: AA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year I bought flood insuance for my home. My mortgage company, knowing this also purchased over priced flood insurance that i neither wanted or needed. This caused a short fall in my escrow account which significantly raised my monthly payment.

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 2022-02-04
Company: World Acceptance Corporation
State: LA
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: Problem with personal statement of dispute

Complaint:
I have 3 late payments on my report I have talked with several representative and even supervisors about this I was in the hospital do to XXXX and was not able to work I asked what can I do because I wasnt able to work for at least a month the creditor told me the computer does everything I told them its stopped me from getting a house and moving on with my life

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: LA
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:
The account XXXX XXXX XXXX is reporting incorrect balance in the amount of XXXX and payment history information to the Credit Bureaus. This account has been paid in full since XX/XX/2020.

Company response to consumer: Closed with explanation