BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an auto loan with XXXX XXXX. The loan was PAID IN FULL on XX/XX/2018 as per their own records, can verify with online account login and listed payment history. It is now XX/XX/2018 and Ally is not reporting the loan paid to major credit bureaus. This is causing detriment to my credit report as it is showing excess debt that I do not actually have. Ally reports at the end of the month, and on XX/XX/XXXX they chose not to report the loan as PAID.

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 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
l have submitted three certified letters to Transunion, XXXX  XXXX  credit report bureau about that method of verification of bankruptcy on my credit report. I am not denies l did not filed bankruptcy in XXXX l am requesting their method of verification/ how they got this bankruptcy if the court do not report it.The letters was send out on XX/XX/2020, XXXX. For the last two investment results to me it stated that bankruptcy was verified by the XXXX XXXX XXXX XXXX Florida Docket Number XXXX. But they keep send me their investigation results stating verified as accurate. As stated above l have to right to request their method of verification and for it to be send to me. l have not got any method of verification from Transunion, XXXX, XXXX.I wrote a letter to bankruptcy court that they claimed they got my info from and the USBK Court bankruptcy court where the item was filed stated in letter address to me that they did not report to any credit report agency or any third party agency. It is public record for anyone to look up any public record

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 2020-05-12
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Originally I had an acct with XXXX. XXXX  purchased XXXX. I was not happy with XXXX  's customer service, so I cancelled my services. I did not owe a cancellation fee, as I was out of my contract. ( Verified by phone call. ) I mailed in all of my equipment. I paid my last payment. I do not owe XXXX or XXXX  any money. I have received many notices from XXXX stating that I am owed XXXX from my deposit fee and overpayment of my last bill. I have yet so see that money, and have charged it my list of actually ever receiving it because there is no way of me actually collecting that money from a huge corp such as XXXX   and including such poor customer service. I have attempted to resolve this conflict with XXXX  and XXXX on so many occasions. I continuously get transferred from this person to that person. I have spent literal hours on the phone only to be eventually disconnected.

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 2018-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Capital One- I'm sending documents on my accounts. I had paid off my accounts on XX/XX/XXXX on cards # XXXX & XXXX. Card # XXXX had expired in XX/XX/XXXX so I cut it up and they sent a new card # XXXX which I never used. That account shows I have a balance of {$940.00}, and I don't know why if I paid the other account off. The account shows that they keep adding amount on it and a card # XXXX on my account was used in XXXX and XXXX at the same I was suppose to using # XXXX, and I was living in Oregon at that time. I would like to have the accounts balances XXXX  out on cards # XXXX & XXXX. The amount of {$940.00} was according to them was from XX/XX/XXXX so if it was paid off in XX/XX/XXXX why does it have a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: FIRST ADVANTAGE CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just received an email pertaining my background check. Upon looking at it, I have discovered someone else on my report. The name XXXX XXXX XXXX is not me. I need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: SUNRISE CREDIT SERVICES, INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In about XXXX I had a credit card through XXXX  XXXX XXXX. I accumulated about {$3000.00} in debt. 
I lost my job and had trouble finding another. 
The debt went to collections. 
I paid collections for this debt. I thought I paid it off. I never received a confirmation letter. 
In XXXX this debt poped up again and Sunrise Credit Services INC has been collecting money from me again. 
I reached out to XXXX  XXXX XXXX and they referred be back to Sunrise Credit Services. 

When I got a car loan in XXXX I was told the debt didn't show up on my credit report that the account was closed. I should not owe anymore money. 
Sunrise insists that I owe the money. 
I continue to pay on this debt. there is no interest being charge to me but it is {$50.00} per month and they are taking advantage of me.

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 2021-09-08
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:
Identity theft has happened to me. Block and remove material from my consumer report under 15 USC 1681c-2. Failure to comply is a violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this is not a duplicate, please don't try to validate its been over 30 days which the law is very clear please remove. please review documents the Complaint/Dispute was received on XX/XX/2021 has been more than 30 days, and I have not received any proof that your company validated the debt.

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports. 


previous two complaint ID 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 2020-05-12
Company: EQUIFAX, INC.
State: CT
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:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX XXXX  partial account number XXXX. Equifax is also reporting this account as a duplicate partial account number XXXX. This is a violation of the Fair Credit Reporting Act to report the same account twice on a separate trade line. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I did submit the complaint on XX/XX/18 and I want to follow up with it. Because I received response from PHEAA I do not agree with it because it is incorrect information. However I have document ( emails conversation ) be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
someone hacked my chase debit card in XXXX. I live in XXXX. there was about {$1500.00} in charges. Chase gave me credit for the charges at first then put {$350.00} in charges back on my account. They told me because a card was used with the chip and pin number and that is impossible to duplicate. i offered them proof that i was in XXXX at the time and they said it would do no good and then accused me of giving out my pin number. I sent them a video of 2 police officers showing how these cards are duplicated and how they steal your pin number. Then they told me it doesnt matter it is too late now because they looked into it twice. one charge was for XXXX with {$40.00} cash back at rite aid in XXXX XXXX XXXX on XX/XX/2018. the other charge was at a lowes in XXXX XXXX  for {$200.00} with another {$40.00} cash back on XX/XX/2018. They told me a police report will do no good either. so because of chases incompetence in their security im out {$350.00}. Please help me to recover my money. I already closed all my accounts with them since they can not keep y money safe!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital One - XXXX is reporting a debt on my credit fie that i do not owe. I recently checked my credit file and notice this debt, i called immediately and paid this debt off. I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure that violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: ALLIANT CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
All of us " Retired Baby Boomers '' ( which increase XXXX / day ) who have lost their working income and now have SS benefits and assets. 

1. We can not refinance our mortgages.

2. Refinancing which would give us monthly payments of half with the lower interest rates. A decrease from $ XXXX ( more than my {$1800.00} SS ) to {$950.00} mo. 

3. Because we can not refinance some seek foreberance or worse. 

4. So, I ask that you relax the re-fi rules for seniors so they can refinance their current mortgages without having to meet any old requirements. If, a mortgage is being paid and has been paid, why put anyone in a financial squeeze especially our seniors why not let all of us refinance. 

5. This appears to be a win-win on both sides and if you run the numbers helps our seniors avoid forebeance or worse and helps the servicers etc ... ... ... ..Please!

6. This mortgage company sent me the attached ; they do not follow Cares Section 4022 and I have a complete record of how they do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
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:
hello, this is actually my 3rd time reaching out to the credit bureaus regarding these fruadelent accounts and inquires on my credit report. They refused to investigate and correct the errors. These accounts are NOT mine. i have attached the FTC report below

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 2018-04-11
Company: Experian Information Solutions Inc.
State: NY
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:
this account belong to someone else please removed it from my credit report. 

XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated - Credit Limit - Past Due Amount {$1200.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1200.00} Comments - Payment History

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: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had over a {$7000.00} credit balance on my CITIBANK Costco Visa card that I wanted refunded. Citibank told me they had to take three days approve my credit balance for a refund and another 7-10 days to send a check. I told them it was my money that had been refunded by Costco and did not require their approval for a refund. They insisted that it was required under federal reserve rules which is not true. I closed my account immediately and told them I wanted an immediate refund as I am no longer a cardmember. I want my credit refund and I want a fraud investigation into Citibank.

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 2020-08-24
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may cocern went to threw XXXX XXXX XXXX to purchase a living room set it was 2 pieces fianced at {$160.00} a month for a 1yr the company name as follows.XXXX XXXX. this company charged me XXXX for my first payment to my debit card. Price {$160.00} cent the company was contacted by myself the fianc instatatution charged me a total ov {$990.00} on contract for 2 pieces ov used furniture I was told to first down payment ov {$27.00} for the furniture to be delivered I paid as agreed {$27.00} the first payment was exactly {$160.00} the fianc company was informed me the 1st payment was {$160.00} the company took a total ov {$320.00} on the first payment the company explained the amount went to another buyers contract this company blocked me from all cummcations to them I was very irriatated about being charged for someone elses contract I explained to the company XXXX XXXX XXXX  I needed a refund for the full amount ov {$320.00} because the company breached the contract explained that XXXX XXXX took the the funds to pay anothers contract holders agreement.Now this was removed from my Credit Beuarus back in XXXX dew to the company not being able to provide documents to verify my personal info dew to this error another 4 party colllection agency has put this on my 3 credit files XXXX XXXX also XXXX I would like for this to be verified by Name SSN or identification DL that this account actually belongs to me if the collection agency or the credit 3major Credit Beuarus cant verfiy with anything butt my date ov birth I would like a full restoration to my 3 credit beraues as far my credit file and score to be updated correctly I would like to challenge this issue with this 4 party collection agency because ov past errors ov this being sold to another collection agency when it already has been removed because this collection agency has no accurate info iv called this collection agency to give me detailed info to me the suppose to be account holder the FCRA explains in XXXX XXXX XXXX that explains that collection on any dollar amount over {$100.00} 0 and over needs to have been court ordered on the civil process the FRCA explains that any and every amount over a {$1000.00} needs to be heard by a Civil COURT if the collection can not provide written documentation from the county the action was addressed in.It can be removed to the fair credit act act since XX/XX/XXXX I would like this updated and inaccurtess removed and also challenged also the XXXX XXXX XXXX  charged me {$260.00} the company refused to return the products it has fell apart and at the dump site no way ov returning the company tryed to scam me out ov {$260.00} to return the product told the customer service team I didnt have no money to pay this company to return the product and the company refused to return it to the location deliverd from Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a closed American Express Gold Credit Card ( Account Ending XXXX ). I am in the process of refinancing and tried to payoff this credit credit through the escrow. Both the refinancing bank ( XXXX XXXX XXXX ) and I both tried to get a payoff statement from American Express Customer Service. The agent and the supervisor told me that they can not provide the payoff information which good for 30 days in writing. The said this is the company policy. I asked where I can find it in the term and condition of the I believed the credit card company has had to provide the payoff information to the consumer on demand. The only reason that I can think of is the company does not want the consumer to payoff the card faster. 

I hope the agency can investigate this issue which affect the right of the consumer to payoff the credit card faster. 

Thanks. 

XXXX XXXX XXXX American Express Card Holder

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
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:
Portfolio Recovery calls my family members, including XXXX year old child with a non published number. They say that they are trying to reach me before they issue a warrant for my arrest and that if my family member would like they can pay the amount to prevent me from going to jail.I have called the number back and requested debt validation.I never receive anything, no calls for a couple of months, then it starts all over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I called and asked Portfolio Recovery to stop calling my number for a debt that is not mine. However, the company continues to repeatedly call almost every day, before XXXX XXXX and after XXXX XXXX. I have made it clear that I have no debts to collect and that they are calling the wrong number.

Company response to consumer: Closed with non-monetary relief