BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX XXXX a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX XXXX we payed off Title Loan. We had our Boat with trailer and a XXXX XXXX XXXX on Loan. We Received Title back on Boat and Trailer but not on XXXX. I have tried to contact them three times to obtain Title back, to no avail. Once by phone, once by letter and once by E-Mail. Title is suposed to be returned to us i believe after three days, They claimed when we called that DMV was slow and to wait- however we had already received title on Boat and Trailer. Other attempts to rectify have been ignored. it is now 3 plus months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have tried speaking with a member of management and they refused to transfer me to management. I called on XX/XX/20 and asked about a settlement and said the account did not qualify for a settlement. They are extremely rude and told me that they will document the account as " refusal to pay. '' I am not refusing to pay, I just want to speak with a human being that is not rude. The tone of voice they use offensive and that of a negative person.

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 2018-07-20
Company: Ronald H. Reynolds, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ronald H Reynolds replied back to the CFPB on XX/XX/18 Complaint number XXXX with he by his own words stated he mail out information. Ronald H Reynolds tells one lie after another lie even with his own letter sign by him stating the creditor called the account back as to XX/XX/2018. If your not on the account and the creditor called the account back why are you responding back as your solving the issue when by your own words is not the attorney and on your letter you clearly stated the attorney that will be doing the case. Ronald H Reynolds needs to stop contacting me being he is not on the case and the creditor has called the case back. please stop telling lies and playing games. It appears to me your hard up for money and one lie after another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I contact Portfolio RC ( Collection Agency ) I noticed I had a XXXX XXXX account in collection from XXXX which has a balance of {$230.00}, that I never had, I had a XXXX XXXX card which was paid off and closed on XX/XX/XXXX and the balance was {$0.00} and the account was closed, Which seemed odd. I contacted XXXX XXXX regarding the item in collections and they couldn't pull up any accounts regarding the account number I provided which instantly I knew something was off. I contact Portfolio RC via mail, I stated I need a copy of my contract, id and my ssn to prove that the debt was truly mine, they only provided me with an invoice which isn't Validation by any means. I decided to contact them again regarding that matter and they refused to Validate the debt by providing me with proper documentation, I stated I only had 1 XXXX XXXX credit card which was paid off and closed besides that I NEVER! had any other account and even the original creditor assured me I only had 1 account and had a XXXX balance. I need this collection item removed from my credit report ASAP, I'm trying to purchase a home and its causing my character to be jeopardized due to this inaccurate item on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was notified by the XXXX XXXX XXXX XXXX on XX/XX/2021 that a fraudulent attempt had been made to have my mail address changed to an unknown address on behalf of my estranged ex-husband and his wife for whom there is a permanent restraining order by the XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX in Chicago blocked the attempt and marked it as identity theft. I have a reference number and filed a police report with the XXXX district NO PD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my Credit Report in XX/XX/XXXX Upon reviewing the information I requested EACH Lender/Account BELOW to be verified as well the Validation of Debt Or Delete this Account from my Credit Profile. 

I have sent letters to ALL ( 3 ) Bureau 's XXXX & XX/XX/XXXX in regards to removing or verifying the Account or Debt. 

As of TODAY XX/XX/XXXX ( 6 ) Accounts Remain on my Credit Profile out of ( 15 ). 



Approaching my 4th & hopefully FINAL letter that I will be sending out. 

My hopes are that the accounts are removed ALL 6-15 Accounts that are remaining on my Credit Profile. 

If the accounts can't be verified it should be removed immediately. 

I did also send out Goodwill Forgiveness Letters to inform them that I am on XXXX  My Doctor wrote me out of work in XX/XX/XXXX due to the Coronavirus Pandemic cases are rising not safe for me to be out in public risking my health I have an XXXX XXXX XXXX XXXX XXXX XXXX I can provide that documentation from the doctor as well.

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: Experian Information Solutions Inc.
State: AR
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 been trying to get insurance on my vehicle. 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 XXXX {$2500.00}

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 2018-05-01
Company: AMERICAN EXPRESS COMPANY
State: MN
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 rewards from credit card

Complaint:
In XX/XX/XXXX, I received a promotion from XXXX  for XXXX flight miles when approved for a Gold AMEX card. I applied and was approved. I immediately saw that I was congratulated with the wrong promotion ( XXXX  ). I emailed, but the company never replied. In a month, I've spent the needed {$1000.00} to receive the miles and was awarded XXXX  instead of XXXX. I called XXXX  and they said that the case would take 6 weeks. After 6 weeks passed, I called again and was assured that it would be taken care of in one more week. It has now been two months with out a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Reliant Capital Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A male individual uses a number of different phone numbers, including : 1. ( XXXX ) XXXX ; 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX ; to contact me back to back to back about alleged debt. He threatens to show up at my doorstep, demands my social security number and date of birth. He says I owe money and that he will email me. He sends no email but continues to use different phone numbers to harass me, even after I told him to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I applied to refinance my current mortgage with Chase. At this time I was told I would need {$500.00} for upfront fees and that nothing would be due at closing and I would not be required to provide anymore funds. My refinance was approved. I did not hear from Chase for 14 days at which time they informed me that I would be required to have a minimum balance in my Chase checking account of {$6600.00}. I was not informed of this upfront. I called the Lender and asked why. They told me that due to Covid-19 there is a new law requiring all lenders verify that all borrowers have {$6600.00} in their checking accounts. I have since discovered that was not true. I am currently working with another finance company and they do not require me to have {$6600.00} in my account. Therefore, Chase deceived me twice and they have not refunded my {$500.00}. It has been 14 days since my original request for a refund. I have attached emails from them stating it would take 7 to 10 business days for my refund yet I still do not have it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
My credit score was hit by a hard inquiry by the bank holding company Capital One for a new line of credit. I was shocked as I have never talked to or done business with anyone or anything related to Capital One. I don't know if someone tried to open a line of credit under my name but I am extremely nervous and worried about any fraudulent activity in my name. I want this hard inquiry off my credit report as it is wrong and I want to be safe from anything relating to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, the below credit inquires on my credit report were not authorized by myself. I have communicated with the companies personally and have all stated that there is no record of an inquiry in their system. I am asking that Experian honor my word that the below are fraudulent inquires and remove them as requested through their dispute services on several occasions and the credit agency have not responded correctly. 

Inquires that are fraudulent : XXXX/XXXX : XX/XX/2018 XXXX XXXX Auto Finance : XX/XX/2018 XXXX XXXX XXXX : XX/XX/2018 XXXX XXXX : XX/XX/2018 Thank You for your support.

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 2020-07-24
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020 I was told the company was investigating my claim. On XX/XX/2020 I emailed them about my status of my claim. On XX/XX/2020 they said I never sent my claim in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XXXX I deposited a school refund check for {$9000.00} and received {$200.00} immediately with the rest expected on the XXXX. I was told that my date had been pushed back to the XXXX due to possible fraud or unpaid check from XXXX XXXX University- XXXX XXXX XXXX . When I reached out today regarding why my account is still on hold, they stated I was on a 3-5 day hold due to my account being in review and and the possible fraud or unpaid check. This is rendering my unable to pay rent, pay my car, insurance, cell phone, or any bill as Im ex military and was depending on this check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dealing with XXXX XXXX has been a nightmare. The statement for our construction loan provided by the bank was erroneous, and I contacted the bank to correct the problems. After being unable to resolve the issue with the Construction/Permanent Lending team member and the XXXX XXXX XXXX XXXX, I contacted the  department manager XXXX XXXX He has acknowledged the errors in the statement but still refuses to correct them and provide an accurate statement.

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 2020-07-25
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: Information belongs to someone else

Complaint:
address not mine That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 13 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
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, please remove the fraud alert from my credit REPORT THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/2020, I submitted our mortgage payment on CHFA ( Colorado Housing Finance Authority/ XXXX XXXX XXXX the payment processor 's website. I was assured we would not be considered 30 days late as long as we submitted it by XX/XX/XXXX, and that the payment was received and applied on XX/XX/2020. In the following 5 days I called CHFA/XXXX to see why the money had not left our acct, and was told it was not a problem, it sometimes took up to 10 days to process, but not to worry, the payment was counted from the date of submission. Finally on XX/XX/XXXX, I got a notification from XXXX XXXX that my score had dropped almost 90 pts. Upon checking I found out that CHFA/ XXXX had reported a thirty day late payment days earlier. When I called and asked them why they had done that and not told me, they said it was done because they could not get a response to get the money from our bank. When we proved we had the money, upon checking through their customer service I was asked what the routing and acct number was. The agent said their web services had given one incorrect routing number. Upon checking with XXXX XXXX, they told us it was never presented for payment, and they had not received any call to find out how to resolve or receive the payment from them. We were told at various times over the next 5 months by CHFA XXXX customer service agents that this late payment should be considered a Bank / mortgage, clerical error, and should be removed from the credit bureaus. We submitted our proof of payments to them, the receipts of payment and application of payment, and made up the payment immediately as well as the next payment due in XXXX. But though we followed all their complaint and removal procedures, they refused to remove the 30 day late, and insisted on doing this when they have no proof that we commited any error and we in turn have proof of the payments all being on time in our mortgage statement and correspondence from them, including statements saying they had received and applied the payment successfully. 
They are feeling thousands of dollars over the course if the mortgage by trapping us in their high interest mortgage and keeping us from refinancing. We have found out other clients of theirs have also been denied credit when they discovered the same type of 30 day late payment processing errors on their credit reports. They are not following the FCRA reporting law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: MO
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 the month of XX/XX/2021, I sent several disputes to Equifax, with regard to incorrect and inaccurate furnishing of information. Equifax proffered that they corrected the report to reflect all disputed items were deleted. 

In response, Equifax forwarded a report ( dated XX/XX/2021 ) showing no inquiries were included. 


However, on XXXX XXXX, 2021, I submitted an application for a personal XXXX XXXX  Credit Card. On XXXX XXXX, 2021, XXXX XXXX  denied said application, stating in part that " Too many recent inquiries are recorded on your credit bureau report ''. 

Equifax is in violation of 15 USC 1681e " Accuracy of report '' ; whereas, Equifax is providing one version of a credit report to me, ( the consumer ) and a different version to the potential credit grantors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, please remove the fraud alert from my credit REPORT THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: SERVICEMAC, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed with XXXX XXXX on a mortgage refinance on XX/XX/21. My initial escrow payment at closure was {$3200.00}. I received a letter on XX/XX/21 that stated my mortgage loan would be transferred from XXXX XXXX, XXXX to XXXX XXXX, XXXX subserviced by ServiceMac LLC. When I looked at my bill online and in the mail, my escrow account only showed {$1100.00}. I have emailed and called dozens of times to XXXX XXXX, XXXX XXXX subserviced by ServiceMac, my Loan Officer, his supervisors, and XXXX XXXX. I have obtained and sent multiple pieces of information documenting the escrow shortage of {$2000.00}. The issue is still not resolved as of XX/XX/21.

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