BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-18
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint form because Experian, has ignored my request to provide me with documents that their company has on file that was most likely used to verify the accounts i disputed previously. Being that its been pass the 30 day mark and cant verify these accounts, under Sec.611 ( 5 ) A of the FCRA : They are required " to promptly delete all information which can not be verified " that i have disputed off my account. Please resolve this manner as soon as possible. Thanks

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 2020-06-25
Company: Vericred Solutions LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking credit, noticed a new collection added as of XX/XX/2020. Company ( VERICRED FINANCIAL SOLUTIONS LLC ) is unreachable, as well as the alleged original creditor ( XXXX XXXX XXXX XXXX. I have never done business nor received loans from this entity. The amount they have attempted to collect is {$4100.00}. I also noticed that they inquired in XXXX, and then placed a collection for the amount on my credit with a date of XX/XX/XXXX XXXX less than 60 days after initial inquiry ). Bothcompanies are Colorado based and can not be reached via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My Barclays card is charged off ( which is accurate ) however a third party XXXX XXXX XXXX XXXX called me stating they owned my account. I have set up a payment arrangement with XXXX  for a reduced amount. My issue is that Barclays is still reporting a balance of over XXXX when I have settled with XXXX  for {$2200.00}, which I still owe {$1800.00}. I have an issue that Barclays is reporting a balance that is not correct. I have spoken with both companies, call recorded, to ask why I have a contract now with XXXX  and it is not reflecting with Barclays since XXXX works for them. I will be speaking to an attorney because do not think this is a fair practice.

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 2020-10-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed information with XXXX, and Experian with regards to account XXXX   preferred, {$3100.00}. The phone number and address to the creditor are both non -working so theres no way to verify who signed up for this account. The information the creditor provided for the last several years are not working and thus all these months have not been able to get this resolved. It is very unfair that Experian and XXXX  continued to report that account for so long. Ive asked that the account be deleted but they continue to report. They have not done due diligence in verifying since non of the information the creditor is reporting is accurate ( phone number and address ). How can XXXX  and Experian say theyve investigated if the creditor information is non-working for all this time. Please delete the account from my file.

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 2020-05-09
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit 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, an atm withdrawal was made in XXXX, IL at XXXX XXXX, totaling {$140.00} from my Arkansas US Bank Reliacard that is used for my receipt of child support. I have tried to call US Bank reliacard at 3 different numbers, XXXX, XXXX, XXXX and spent a cumulative amount of over 5 hours on hold to get my card cancelled and speak to someone about the money that was stolen. I have not spoken with anyone, as no one has ever answered. On one call, after 2 hours and 35 minutes of holding, the system hung up on me. I need this card cancelled or future deposits will also be compromised and my losses need to be refunded. I have never even been to the city where the money was taken from an ATM.

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 2019-01-18
Company: EQUIFAX, INC.
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 wrote a letter to Equifax in XXXX Georgia requesting my credit report on XX/XX/XXXX. I am a XXXX citizen and i have created a USA identity as i do business in United States with an American C corp registered in XXXX XXXX, Nevada in XX/XX/XXXX. So i this wanted a Credit Card from the USA which i received. In receiving my USA credit card i used my XXXX Social Insurance Number and the number of digits is the same as an American SSN number. I called into the Head Office of Equifax requesting my credit report and was told about the situation that XXXX and XXXX have a credit file on me and have used my XXXX SIN  number and that i wanted to see what was on my credit report on Eqiufax as i believed there to be derogatory information, similar to what was on my XXXX Credit report. I wrote them a letter giving all my American EIN numbers, ITIN number XXXX SIN   number, and proof of my XXXX SIN  number which they asked for. Then On XX/XX/XXXX i followed up with them by telephone after receiving a letter from them dated XX/XX/XXXX and in this letter they requested that i provide them with US SSN number, drivers license and other forms of identification. I previously sent them my Bank Statement which shows my US address. Though i have moved from XXXX XXXX to XXXX when i called on XX/XX/XXXX i gave them this information and they still said that the information I provided to them did not match there records. Which is a hint to me that my Name was there correctly and that it is possible that the address they have on file is yes not anything that i gave them, and then conceivable that my credit file was compromised in the XX/XX/XXXX Equifax data breach. And now i am stuck and can not even see my credit report to try to correct any errors or inquire about what my score is. I do not know who to contact to reveal my credit report to me to actually see if in fact this is true. And by not being able to see my credit score and its contents i can not know how to repair the issues or dispute them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX has repeatedly changed the date first reported for the XXXX XXXX XXXX debt on my report. The date of first delinquency is wrong. This account should no longer be on my report.

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 2020-11-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hello, The account under my Equifax named XXXX/XXXX  is showing that is still open. This account is suppose to be closed because it was included in my chapter XXXX bankruptcy that was discharged XX/XX/2020. It is showing to have a balance of {$170.00} and a limit of {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I try to apply for a loan through Credit Acceptance through XXXX XXXX   XXXX in XXXX PA I'm trying to own Virtues  Of All XXXX XXXX XXXX through credit exception got denied trying to purchase a cartoon XXXX   forwarding and XXXX got the nine got them you tried to apply for XXXX XXXX XXXX got the nine any new places here in XXXX  PA the XXXX XXXX XXXX and purchasing a vehicle all because of XXXX XXXX XXXX XXXX XXXX and some more and some other more with my real to talk to someone over the phone about it XXXX XXXX denied me of a XXXX XXXX XXXX or XXXX XXXX a 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 2019-01-18
Company: EQUIFAX, INC.
State: CA
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've been trying to get pre-approved for a mortgage. 
My lenders can pull all the credit bureaus other than Equifax. 
I have also try several paying services to review my credit with all the major agencies. I was succesful with all of them but Equfax. 
I called Equifax 8 times in 3 days. I spoke with customer service, supervisors and fraud department. Every time it's a different story. In the end everything seems fine on their end. 

I have submitted several times copies of my driver license, social security card and bank statement as a proof of address. 

I have spent almost {$200.00} to get my equifax credit report. Everytime I get something from them it shows as blank. Like I have no balances. 

I have no idea where to go after this. This is making impossible for me to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion continues reported open with closed account and balance with XXXX XXXX that been closed not listing dispute or verifying account they continue to report a balance on closed account They failed to provide verification of accounts which could not be verified reopened and account status that was once reported closed, they continue to do so and reset the statue of limitation which is against the law. They continue to report account verified that could not be verified by the reporting company 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 2019-01-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a check from a friends company deposited into my new chase college account now there is a restriction On My Account And I Cant get my funds I Really need help I just paid my car note off the card before the check was deposited

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
- We bought a new home lateXX/XX/XXXX with a loan principal of {$390000.00} being serviced by Amerihome Mortgage Company. 
- We made a Principal Curtailment ( Principal Reduction ) payment of {$59000.00} in XX/XX/XXXX to bring the loan to value to below 80 %. We included the requested letter of intent that we were making this payment in order to remove the PMI ( Private Mortgage Insurance ) from our loan. 
- The PMI wasn't removed and the payments have been included each month. 
- When we became aware that the PMI payments hadn't ceased, I called into the mortgage company to have the monthly PMI payments cease and the erroneous payments be credited back to our account. 
- The agent gave inaccurate information and requested additional documentation that we had already provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I had a lease with GM Financial for a XXXX XXXX that started XX/XX/XXXX. My GM Financial Account number is XXXX. The lease was scheduled to end XX/XX/XXXX. I leased a new car with XXXX and they accepted to turn my XXXX lease back in for me. That was completed on XX/XX/XXXX, more than a month before the end of my lease. Unfortunately for some reason GM didn't report the car returned until XX/XX/XXXX so they added a month payment to the end of my lease. 

I contacted GM Financial and after a number of months of back and forth discussion after providing the lease return receipt from XXXX they agreed to remove the added payment and I made a settlement program for the amount owed ( wear and tear, lease return, fee, etc. ). This program was instituted on XX/XX/XXXX and I have made payments every month since then. 

The gmfinancial.com portal showed the revised amount due with the removal of the extra month payment so I thought all was well. I got a letter from GM Financial on XX/XX/XXXX with an update on the amount owed. It didn't correlate to what is shown on the GM Financial portal so I called customer service today XXXX XXXX, XXXX to inquire about the difference and they are now saying they never removed the extra month payment and that I still owe the amount. After 30 minutes of explaining the whole situation over again they said they'd escalate the issue and to call back in 48-72 hours.

I have no confidence that GM has any intention of removing the payment for a car I no longer had and returned a month before the end of the lease! They added a payment thinking I still had the car but even after giving proof that I returned it before the end of the lease they are refusing the remove the extra payment. 

Please help me resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-10
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX CLOSE MY XXXX XXXX CASES!!!!! I'VE ALREADY OPENED 3 AND THIS XXXX  IS NOT RESOLVED!!!! I GOT A CALL FROM A XXXX NEW NOTARY TODAY STATING I HAVE TO SIGN MY COVID19 FORBEARANCE PLAN AGAIN! I SIGNED THIS XXXX  IN XXXX! MY SISTER SIGNED HERS FROM TEXAS! I WAS APPROVED & ACCEPTED. HUD GAVE THESE XXXX SCAMMERS THE XXXX XXXX MONEY. MY PAYMENTS WERE APPLIED. THEY DON'T EVEN KNOW WHO SUPPOSEDLY SIGNED WRONG! THEY'RE XXXX SCAMMING LIARS. I WANT THIS ESCALATED TO SOMEONE WHO I CAN COMPLAIN TO FOR FRAUD! I WANT TO START A CASE IN CIVIL COURT FOR THEIR DISGUSTING NEGLIGENCE.

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 2019-01-18
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a savings account with BB & T bank in XX/XX/2018. I made a check deposit that into my savings account for a catering payment that ultimately bounced. In the process I was also making my opening deposit of {$5000.00} from my other bank account. 
The individual that wrote me the check inadvertently wrote the check from a old check book. 
All fees from the returned payment had been satisfied. BBT decided to close my savings account due to the returned check which they are refusing to refund my deposit. They are stating I have to go into a branch, which I have and have gotten the run around about getting my money back from different employees/managers in the bank.

BB & T is illegally holding my funds. BBT has no right to holds these funds. I would like to know what law or banking regulation that gives them the right to confiscate someones money and not communicate with them. I was hung up on by their reps! Just an all around unprofessional business. BBT makes their own rules when it comes to your money!!! BBT NEEDS TO REFUND MY DEPOSIT!

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 2021-08-18
Company: Receivables Management Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I purchased a {$60.00} dollar pair of shoes from Belk & signed up for their credit card to save money. I wore the shoes to work that night but was told that they were not slip resistant and would not work for my job. I returned them to Belk the next day, but they never removed the debt from my credit card. I didnt know about it and never made a payment on it. Eventually, I called and settled my dispute with Belk and they recognized their mistake and quit trying to charge me for a pair of shoes that I returned. However, it is still negatively reported on my credit. The Belk Rewards card was from Synchrony Bank.

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 2018-06-07
Company: River Ridge Financial Solutions, LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 parents received a phone stated that there was a legal matter that needed to be discussed with me. My father took the number down and relayed the information on to me. I called the number. Got sent to a voicemail that didnt even state the businesses name. Did not leave a message a few minutes later I received a call back. I spoke with a XXXX XXXX. She varified the last 4 digits of my social. She was very aggressive, stated I owed {$900.00} on an old credit card debt of mine. Stated that she could offer a one time settlement offer of {$220.00}. I requested a legal notification letter be sent to me via mail ( knowing that legally they have to comply if theyre legitimate ). She argued with me stating that they arent a collection agency they are a mediation company that owns the debt. After a heated discussion and speaking over each other a women by the name of XXXX XXXX got on the phone and said she would email me a letter of debt owed and an agreement I needed to electronically sign and reply to. I received the email a half hour later. This is the first time I found out the companies name as I couldnt understand what they called it before. The number showed up as a FL number on my called ID yet the business shows its in GA. My  last name was spelled wrong. It said I owed {$900.00}, but now the settlement had changed to {$320.00}. It all seemed very fishy. I blocked the numbers and reported the email as spam. I also checked my credit report and am working with correct agency to get my old debt resolved. 

The phone number they left and called me on was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Skagit Bonded Collectors, LLC
State: WA
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 noticed I have an account being reported on all three of my credit reports. I have requested this company, skagit bonded, to validate this debt. Instead I received interesting responses, and they failed to validate this debt. What they're doing is illegal, and per my attorney 's instructions I have first reporting to the CFPB and the attorney general. I also would like to request this companies Washington state representative so I can take them to court if they still refuse to abide by federal law. Attached is my correspondence with this company. 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 2019-01-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I TRIED FEVERISHLY TO MOTIFY MY MORTGAGE WITH CHASE BANK. 

THEY KEPT LOSING TO DODD FORMS OR STALLING. 

XX/XX/, 2018, APPROXIATELY {$240000.00}. I COMPLAINT TO ALL AGENCIES THAT WOULD LISTEN, THEY CONTACTED CHASE AND CHASE DID NOTHING.

TO THIS DAY CHASE BANK FEELS THAT THEY ARE ABOVE THE LAW, CHASE STILL CONTENTS THAT THEY ACTED IN " GOOD FAITH '' NO THEY ACTED IN BAD FAITH. 

THEY LIE, LIE AND CONTINUE TO LIE, THEY MUST BE STOPPED

Company response to consumer: Closed with explanation