BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: Alorica 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 information incorrect

Complaint:
I have a signed legal deferment document from SST/XXXX   for my XXXX and XX/XX/2020 payment. XXXX reported to all three credit companies that I was late for XXXX. 
I contacted the lender directly expecting to resolve this issue. After several attempts that resulted in no answers, ignored phone calls, and a lack of professionalism ; I was told by a representative that while under their system I was " current '' SST/XXXX  would not change the " late payment '' report from my credit. 
I proceeded to start a dispute with all three credit companies. I mailed the deferment document to each, along with my request. 
XXXX 's results corrected the XXXX payment and updated it to " paid-on-time. '' XXXX  's results denied my request and the XXXX payment stayed as " 30-days-past-due. '' XXXX  results not only denied my request but it now  also shows XXXX AND XXXX as " 30-days-past-due. '' I have spent hours collectively speaking with both the lender and the credit companies ( XXXX, XXXX  ). I have a hard time believing that a legal deferment document has not been honored by these entities. The two credit bureaus told me all they could do is take the information provided by the lender as facts. 
SST/XXXX  needs to be held accountable for not only providing different information to each credit bureau but also for not honoring a signed legal document. 
When this company belonged to XXXX I never had an issue. The newly called " SST/XXXX  '' lender does not care that it services military members and is quick to take our hard-earned-money, yet, it will not uphold its standards to the law. 
This is the first time that I asked this company for a deferment as COVID-19 has left a great financial impact on my family. 
This lender evidently does not care about my financial wellbeing whatsoever. 
My next step is to take legal action against this company if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I requested 2 balance transfers to my new Citi card, one to pay off XXXX and XXXXne to pay off XXXX XXXX, the transfer was approved and debited to my account on XX/XX/XXXX. On XX/XX/XXXX, Citi once again debited the same amounts to XXXX and XXXX. I checked my account online and noted a very large minimum due. It was then that I noticed the Error. This was on XX/XX/XXXX. I called CITI and spoke to Customer service, they stated that they were aware of an issue and it would be fixed with in 24 hours. I called back next day and got a run around and told it would be fixed in 5-7 days. I also mentioned to them that this now impacted my credit score as it went down XXXX pts overnight. Again, I was told they were aware and wound fix the issue. It has been 7 days, no one can tell me when it will be taken care of and when they will fix the issue. They also cant tell me when they will correct the report to the credit bureau. I ask to speak with a supervisor and they hang up on me. Its incredibly frustrating. On XX/XX/XXXX I had excellent credit with a score around XXXX, its now XXXX. I was in the process of making home repairs and getting an loan which I am no longer able to recieve do to 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 monetary relief
Consumer complaint received 2021-02-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021 Citizens Bank called my 4 times unless then an hours. I spoke to them once told them I would pay them when I had the money! That did not sit will with them!!! I have ask for help from this company for 5 months now and they offer no help. They just put your bill up and thing thats ok!!! Im sick of the harassment when I am unemployed and doing the best I can!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/2020 i file dispute with all three credit bureaus I have yet to receive anything from them. There has been enough time to reply to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: I.C. System, 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: Information belongs to someone else

Complaint:
Information has been disputed and asked companies to provide original contract for services rendered.

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 2021-03-02
Company: JPMORGAN CHASE & CO.
State: AL
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:
XX/XX/XXXX Purchased three stainless steel XXXX XXXX XXXX XXXX XXXX systems from XXXX for {$130.00}. Six weeks later, I received three cheaply made white plastic six inch pots. My Chase Credit Card was charged the amount to company XXXX. I could not return items to company because it was past the thirty day from purchase window for returns. I disputed charge with Chase in Case # XXXX and mailed Chase the supporting documents describing the confirmation order and the bait/switch plastic pots received. On XX/XX/XXXX I received a letter from Chase stating that the merchant 's charge was valid and described the purchase of an " XXXX XXXX XXXX '' a product I have never ordered. Chase has charged my account {$130.00} for 3 small plastic pots. When I called Chase for an explanation, I was told I had to mail supporting documentation to them to reopen the case. I mailed receipts, photographs, tracking numbers, and a letter to Chase on XX/XX/XXXX and have not received any confirmation from Chase. Please help me. There are numerous reports on XXXX XXXX  using these bait and switch tactics through numerous shell companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24
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: Information belongs to someone else

Complaint:
I recently took a look at my credit report and there are accounts listed that do not belong to me, I am a victim of identity theft

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 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I received my credit reports. The information was reported charged off when actually I paid the account in full and received the title. Also I took a title loan years after it was paid off and the car was totaled the insurance company paid the Balance off and sent me the difference. This company reported it. As being repossessed.

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 2020-07-03
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im not aware of this hospital debt, I need this debt to be verified, and if it is not verified then it needs to be taken off of my credit report. Please and thank you Collection Open date : XXXX XXXX XXXX Original Loan amount : {$420.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to contact Nationstar Mortgage, LLC many times in regards to the assignment of mortgage and wrongful foreclosure action. I attempted to contact Nationstar Mortgage via an error requestt letter sent certified mail on XX/XX/2021. Nationstar Mortgage, LLC has not responded as of XX/XX/2021. I am once again attempting to contact Nationstar Mortgage, LLC via an administrative procedures Act letter dated XX/XX/2021 in an attempt to allow Nationstar Mortgage, LLC to resolve issues in regards to the information and facts contained within the administrative procedures act without further litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: WELLS FARGO & COMPANY
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: Personal information incorrect

Complaint:
I have tried several times reaching out and I am done. They send me copies of and old Teen Checking Account. I am talking about the WellsFargo Credit Card that I have never seen or even had in my possession. Please make it make sense. This ongoing saga of Wells Fargo and alleged cases of fraud leaves me with only two questions : As this case refers to actions from XXXX to XXXX, and as the previous cases were also from earlier years, is this something that finally will stop? Does the bank have the necessary culture, controls, and management to eliminate the problems? 
Why would anyone trust this bank in any form at all?

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 2020-01-29
Company: Experian Information Solutions Inc.
State: TN
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 writing this due to non-compliance with the ( Experian ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2021-02-23
Company: A.R.M. Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
- I paid for delivery of the XXXX XXXX XXXX for 10 continuous Sundays. I paid them {$28.00} on XX/XX/XXXX via credit card, for this service. 
- No paper was ever delivered, I contacted them via e-mail and phone 4 weeks in a row stating no paper was delivered. They kept swearing they would correct. I have copies of email responses on XX/XX/XXXX, and XXXX. No paper was ever delivered. I asked for a refund which was not received. 
- I then started to receive calls several times a week stating I owed them money, I told them it was the opposite they owed me money. They said they would communicate this to management. 
- Now I have received letters from a debt collection company twice stating I owe money to the XXXX XXXX XXXX. I contacting them and sent them written expiation on why I do not owe them money. 
- I have attempted to contact the XXXX XXXX XXXX 3 more times asking if this was a scam and to please remove any debt owed and to credit me my money for non receipt of goods. In my messages I stated if I did not receive a response I would contact legal services and local news. I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I wrote to XXXX, XXXX, and TransUnion requesting an investigation into items that I believed were INACCURATE, and OBSOLETE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

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 2020-08-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2020 i submitted a complaint about usaa federal savings transfering XXXX from my savings account to my checking account then wire transfering XXXX to an individual without my verbal permission. refer to complaint # XXXX when i realized this was a scam i called the bank and told them that my identify had been compromised.to please my accounts. a lady named XXXX at ext XXXX answered my call and did not freeze my accounts. i was not given a chance to stop payment on any of this. i spent a lot of time trying to resolve this. even after the bank closed the investagation i kept trying to resolve this scam and get my money back in my savings account. i have spoken to XXXX XXXX at ext. XXXX and XXXX XXXX at ext. XXXX they keep blaming me for giving security imformation to the scammer. i did not do this. on about XX/XX/XXXXi emailed ceo XXXX XXXX for help with my situation. on XX/XX/XXXX i reseived a call from the ceo office. i dont remember the ladys name i talked to but we discussed the case. in the discussion it was revieled to me that XXXX had not followed proper protocall. this was never brought to my attention. this bank was hideing this. also it has been brought to my attention that this bank has been giving out my saving act # instead of my checking. this was revield in a 3 way call with usaa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX Fifth Third Bank , National Association XXXX We refinanced with the same lender XXXX  ( operating under Fifth Third Bank ) and they charged us {$35000.00} in pre payment penalty despite their contract stating no pre payment penalty will be assessed. XXXX now XXXX has acknowledged the pre payment penalty but no remediation measures are taken. 
All our dealings are with XXXX including loan documents, they did not let me accept another loan from different lender even when I was getting a better lower interest rate and further forced me to accept higher interest rate with pre payment penalty!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX is refusing to comply with the law. I requested " the procedure used to determine the accuracy and completeness '' as to how the bankruptcy information got on my report. XXXX is improperly, inaccurately, and incompletely verifying information on my report and the bankruptcy. This report is provided by SELLING MY INFORMATION to the 3 credit bureaus ( XXXX, XXXX, Transunion ) who are also directly using XXXX ( a third party system ) to verify the accuracy of the bankruptcy that are on all three of my credit reports. Therefore, I have a right to know how XXXX is claiming they are AGAIN using a third party system ( XXXX ) to verify a bankruptcy on my report. They are also claiming the address on this third party system ( PACER ) reflects an address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX, which XXXX also obtained from this third party system. However, NONE of the 3 credit bureaus ( XXXX, XXXX, Transunion ) show that address on my report. Therefore, under the FCRA, XXXX is inaccurately, incompetently, and lackadaisically verifying information through third parties when they must go to the original furnisher of that bankruptcy. PACER is not. The Court is the original provider and they do not furnish this information.

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 2020-11-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not 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 2021-03-02
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: Their investigation did not fix an error on your report

Complaint:
Approximately XX/XX/XXXX and before this date there have been other appeals to and in regards to this matter I have submitted letters to XXXX and Experian about credit errors and improper information on my credit report. I have filed reports with FTC and police reports to validate my claim and sent the necessary paperwork to XXXX and Experian. However, XXXX and Experian continuously sends me computer generated responses stating that they have validated that the account in question which is a Chapter XXXX Bankruptcy listed in XX/XX/XXXX is accurate, along with other accounts XXXX XXXX XXXX which doesn't contain the correct address/incorrect spelling is a direct violation of FCRA, XXXX XXXX, and XXXX XXXX XXXX. I have made several phone calls and have talked with different representatives and fraud department officials in regards to this matter and nothing happened. I also have contacted the creditors themselves in an attempt to resolve these issues and they could not and have not submitted proven to me with original copies of my signatures for these above mentioned accounts in months. This is a total disrespect and it is the main reason for me not being able to qualify for a mortgage. I have hired an attorney and he instructed me to file this report before proceeding one last time. I demand proof. If not, remove these accounts not just computer generated letters. I do not accept them.

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