BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: Comerica
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i filed a dispute on XX/XX/XXXX my account was frozen with XXXX left in it i waited for a new card to show up when it did i went to withdrawl my funds they were gone from my account wich was locked i couldntuse it or access it .tyhey wont even take my phone calls or explain where my money wentnow my stimulus check is due to go in tonight at XXXX im afraid that to will vanisheverything was fine until i called and got thru to someone on the XX/XX/XXXXwhile i was on the phone with them my funds vanished when i asked tobtransfer my funds to another bank i was denyied this isnot the first problem in a rather long ist of problems and illegal action by direct express twords meallowing a chargeback on a frozen account new account numbers that shouldnt have happened .i belive it is malicious and discimination on there part.i think someone needs criminal charges asnd i deserve mrenumeration for my losses due to there illegal behaviour i am also filing a report with the ag office of minnesota directexpressis responsible for XXXX of my money being taken from my account ive tryed calling there phone system hangs up my calls i have no recourse im on XXXX and cant take this kind of a loss. whatever you can do to help me please do help me. thank you .XXXX  XXXX i belive this coverd most of it but the 30 hrs i spent on hold tryingto unfreeze my accountlasttime oi belive minimum wage is fair for my 30hrs on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX I sent a letter to XXXX, XXXX, and TransUnion for this inaccurate account that I found shockingly showing on my credit report. XXXX  could not verify the account with the third party collector to be valid so they removed the item. XXXX  and TransUnion responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX  could not verify the debt and I can not get the debt validated by the actual collection agency XXXX but XXXX, and TransUnion claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.

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 2021-07-09
Company: EQUIFAX, INC.
State: TX
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:
After applying for credit I received a copy of my Equifax credit report, I noticed that there were several of my positive credit tradelines were missing from my file and not reporting through my credit monitoring services. I contacted Equifax via phone agent stated that the accounts were there and it was an issue with the credit monitoring service even though I explained the accounts were not appearing on the credit report from my lender either. I wrote Equifax with my disputes/updates and included a copy of my drivers license and a utility bill, I didn't receive a return correspondence. My Equifax credit score dropped more than 30 points per my credit monitoring service showing a few of my active, good standing accounts were closed. I tried to log into myequifax.com, my attempts were unsuccessful. I called Equifax on XXXX and tried to use the automated system, the system could not verify me. I spoke to an agent, she stated that I do not have a credit file with Equifax. Although, I updated my married name and address a yea ago, I still asked her to search my maiden name and previous address, she said she still could not find a credit profile in my name. I explained to here I am looking at my file on my credit monitoring service that updated as recent as today, she said apologized and failed to offer me any type of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
in reply to EXPERIAN, of course i sent in this this and the last complaint because i am a victim of identity theft. I don't understand why you would think otherwise. with that being said I am resubmitting my complaint again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
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: Problem with personal statement of dispute

Complaint:
To whom it may concern, I have tried to get in touch with XXXX XXXX repeatedly about this situation. They are currently reporting two accounts on my Credit Report without verifying my information like I have asked them to do. I have sent multiple letters asking for verification of any contracts bearing my signature and they have failed to provide that proof. They continue to " verify '' my account with the credit bureaus but have failed to share the documents that they are verifying these accounts with.

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 2018-11-19
Company: Experian Information Solutions 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:
I have been having issues with Identity theft for some time now and have fraud accounts and inquires show on my Experian report. I have sent in supporting documents as well as police reports and ID THEFT Affadvits in support of this matter. The following is the result of this on going ID THEFT. They please need to be blocked and or removed ASAP Thank You Report Number : XXXX 1.XXXX XXXX XXXX Inquired on XX/XX/2018 2.XXXX XXXX Inquired on XX/XX/2018 3.XXXX XXXX Inquired on XX/XX/2018 4.XXXX XXXX Inquired on XX/XX/2018 5.XXXX XXXX Inquired on XX/XX/2018 6.XXXX XXXX Inquired on XX/XX/2018 7.XXXX XXXX Inquired on XX/XX/2018

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 2021-07-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX stated to me they were going to remove item from my report as a result of a Class Action Settlement ruled in my favor that the loan was fraudulently given to me. This was submitted to all 3 bureaus and still remain on my Credit Report. I have disputed several times and it still remains. Their submission was completed on XXXX XXXX. I would like to have it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ok so this has been a long dragged out situation!!! I filed a CFPB report about this already and the situation has only got worse AND they lied to the CFPB in their answer. 

My Father passed away XX/XX/2021 Sadly, I contacted SPS shortly after about his 3 mortgages with them because sadly he was in the middle of the Cares act ( Pandemic relief for mortgages ) and that has to be either modified or extended etc which requires me to be able to speak to them and do either the modification or the extension of the Cares act. 

Which means I can't simply just continue payments after he passed, it requires me to deal with SPS. 

So they stated I needed to provide the Death certificate to speak on the account, I did, they took 2-3 weeks to " process/Verify/Review '' it, then came back and said " Well sorry you were mis informed but now we need the Will '' I gave the Will. Took over a month to " process/Verify/Review '' the Will which shows me as the executor as well as the property being left to me, they came back with " Sorry you were mis informed AGAIN we need the probate documents signed by a judge '' I start Probate ( not a fast moving situation and even worse being done during a Pandemic ) FINALLY after about 6 weeks, I get the document from probate signed by a Probate Judge!!! SPS once again takes their sweet time ( dont remember how long this time ) to Verify it, comes back NOT GOOD ENOUGH, I speak to a supervisor at SPS who agrees with me and says " this is more then enough im going to resubmit it and you should be all set in 72 hours '' 72 hours pass and NOPE " Sorry you were yet again mis informed, we need the deed transferred over in your name '' I spoke to Probate court this morning and they said it sounds like SPS is playing games and stalling, Probate said what they gave signed by the JUDGE is enough, even said to have SPS call them directly and even speak to the judge, SPS refused. 

MEANWHILE SPS is sending foreclosure letters even know THEY are stalling!!! it seems like a scam and Probate agrees as does the Judge!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount said owed of {$190.00} as of XX/XX/2021 is wrong. I was never made aware from the auto insurance company that I would owe this money as I canceled the contract of my auto insurance policy within the first 32 days of having it. I was also never made aware of the jump in my 6 month policy increase according to this company. They told me at the time that my monthly insurance quote was going to be roughly {$100.00} a month, and then I was charged that for the first month. Then proceeding that month I was charged 30 days later, over {$250.00} a month. They never made me aware of my dramatic increase in the policy and then when I told them I was going to cancel I suppose they put it into collections. Never was I made aware of the premium being sent to collections. I was only aware that this amount was sent to collections afterwards once collections notified me of the charge. I tried to dispute it at this time but could not because the letter was received by me after the 60 day time to file a grievance about what occurred.This account is falsely on my credit and I would like it removed as soon as possible. The company does not even have my correct data on file which goes to show that they are not on top of what is going on with this debt.

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 2019-05-16
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I understand you must have full coverage insurance on your vehicle for a title loan and i've had full coverage for over ten years. Instant loans co. Are forcing me to purchase their insurance which adds an additional 60 dollars to pay off. I mention this policy to them and they responded that my insurance must be paid up for 60 days. How is this legal when the loan is only for 30 days?. In additional to this when you make a payment, your new due date is the same date that you pay the loan not the next 30 days, how is this legal? Making customers pay for full coverage insurance when the customer already has insurance seems illegal. They have charged me over 500 dollars in insurance fees in which i already have and have had full coverage insurance for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: JPMORGAN CHASE & CO.
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:
please review the following accounts that appear on my credit report, without any authorization, do not belong to me. 

Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Millco Management
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: Their investigation did not fix an error on your report

Complaint:
I have two charges from two separate agencies in the amount of {$3000.00} each. I would like for you to remove one of the accounts from my credit report so i can increase my credit score to something fair instead of poor. Also Im trying to figure out why the amount was so high, when i got the court report from the management office it said that i owed XXXX dollars a month on a twelve year lease When i was evicted i only had five months remaining on the lease. Please respond to this e-mail and let me know the necessary steps i need to take. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
I checked into XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TN, on XX/XX/21 and checked out on time the following morning, XX/XX/21. On the way to the hotel, My American Express Serve Card was charged an initial deposit of {$160.00}. When I arrived at the hotel, the clerk said I had to pay again for the room and the deposit amount would " drop off '' when I checked out. The second charge was {$150.00}. My total bill was only {$140.00}, which came off the initial deposit of {$160.00} and the {$21.00} difference was refunded. However, the second charge of {$150.00} is still on hold though the original charges were resolved by XX/XX/21. I have called AMEX Serve two or three times to get this resolved. They see the resolved transaction as of XX/XX/21. They know there is no dispute with hotel for the {$150.00} but aren't going to refund or credit my money back to my account until XX/XX/21. I believe they were supposed to issue a provisional credit after 10 days. The reps I spoke with would only say the policy changed last year. So, AMEX has withheld and denied me use of my own money, directly deposited from my job, without cause. I can't say a notice was issued to Serve cardholders about the policy change. I looked back through my emails and did not see one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: Experian Information Solutions Inc.
State: TX
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:
CRA VIOLATION / INACCURATE INFORMATION ON MY EXPERIAN CREDIT REPORT SHOW THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE ACCOUNT NEVER LATE.

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 2020-04-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had attempted to make an external transfer from my account ending in -XXXX on XX/XX/2020 in the amount of {$1400.00}. This attempt was made through BMO Harris online banking. Upon making the request, I immediately received a message stating that the transfer will not go through since the bank needs to verify my identity. I also received an email stating that I won't have access to transfer to or from my external bank accounts until I call and verify my identity. 

Since I was under the impression that the external transfer will not go through, and I did not have time to call the bank at that very moment, I proceeded to transfer the funds internally to my other BMO Harris Bank account ending in -XXXX, and instead make an ACH pull from my external account. 

To my surprise, the next day I saw that not only were the funds taken from my account ending in -XXXX, but I also had a negative balance in my account ending in -XXXX. I was charged two NSF fees of {$36.00} each on XX/XX/XXXX and XX/XX/2020 since the transfer was attempted twice without my authorization. 

I called BMO Harris Bank customer service on XX/XX/2020 to discuss the fees and the representatives insisted that it is not a bank error despite having all the proof otherwise. They offered me a refund for one of the NSF fees but not for both. I would kindly like to request that both fees be reversed since this is indeed a bank error and the fees should not have been charged to begin with.

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 2019-06-26
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender provided an option to list the property in XXXX and I agreed and filled out the authorization form and sent it on XX/XX/2019. They confirmed that they have received it but up until now they still have not given us an update if it's already listed in XXXX. We keep calling them, most of the time getting the POC 's voicemail and sometimes getting a representative but weren't able to help up because they will still transfer or refer me to the POC for the updates. They also emailed the supervisor who is handling the XXXX matter but no response received. 

And as for the status of the approval from the PMI ( Private Mortgage Insurance ), they are giving us an incomplete update. First they said that they are only missing bank statements, so it was sent to them on XX/XX/XXXX and they forwarded it to PMI on XX/XX/2019 and then after a week they provided us an update stating that we need to re-send the hardship letter, so I re-sent it on XX/XX/2019 and they forwarded it to PMI on XX/XX/2019. Up until today, we are only getting the voicemail of the POC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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:
I have contacted XXXX XXXX XXXX, Transunion, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. Transunion, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

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 2020-04-28
Company: Experian Information Solutions 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:
I have sent multiple letters and made multiple phone calls to XXXX XXXX, XXXX, XXXX, and Experian. The account is inaccurate and invalid. The account does not belong to me. I have notified them of this but the account remains on my credit 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 non-monetary relief