BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14
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: Account status incorrect

Complaint:
I have had a collection on my report from XXXX XXXX which shouuld have been removed and still has not. I have requested that the Credit bureaus Equifax and XXXX  remove this collection and they have still not. Please HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
First : basic information, I complained to FDIC case # XXXX who forwarded the complaint on to the Consumer Finance Department. My complaint is against U.S. Bank Home Mortgage, address : XXXX XXXX XXXX XXXX, MN XXXX ; XXXX. 
I refinanced my VA loan XX/XX/XXXX with the understanding that I would be receiving the monies from the escrow account from U.S. Bank within 25-35 days of closing. I called the bank approximately XX/XX/XXXX to inquire about the funds. I was informed the check was mailed XX/XX/XXXX. Due to the XXXX holiday, I waited until XX/XX/XXXX to call again. I was quit upset I had not received it as this was part of the reason I had refinanced. The bank agent XXXX I talked to put in a cancellation on the check, and request to cut a new one on XX/XX/XXXX, and mail it to me. I requested the check to be delivered overnight, this was denied. 
I called back on XX/XX/XXXX. I requested to talk to a supervisor. To get to a supervisor I addressed XXXX, XXXX, then XXXX. I explained the lateness of the check, the hardship it has placed on me, and my request for either overnight or expedite mail. The response, We do not overnight checks, and this situation is not our fault. I did plea to the fact that since being an U.S. Bank customer, I was never late in payments ( I had automatic bank withdrawal ) and should the table be reversed, the bank would be charging me penalty interest and reporting me for late payment. XXXX suggested to take my issue to post office for lost mail. 
To date I still do not have monies due. Why am I held accountable for my debts and to pay on time as a single individual and yet industry is not? 
Next time can I say the check is in the mail and its not my fault?

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 2023-12-06
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This 3rd party collection reporting company PROGRESSIVE MANAGEMENT S will not Delete this account from my credit report after they was told from my Medical Provider all my bills are paid through XXXX XXXX XXXX XXXX XXXX XXXX  Under Fair Credit Reporting Act Law, Section 609 through 617 I have the rights to have this account Deleted permanently from my records once paid in full. Ive sent them letters stating I would pay along as they would agree to Delete from my report and the still refused and stated there is nothing I can do about it PROGRESSIVE MANAGEMENT S Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: Westlake Services, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Hello and to whom it may concern : My name is XXXX XXXX XXXX I have two separate accounts XXXX XXXXXXXX XXXX. The concern is in the regards of my tag registration for my XXXX XXXX XXXX XXXX  that was purchased from USAuto Sales XX/XX/XXXX. I have been trying my best to get in contact with someone to assist me with the issue of receiving the paperwork needed to get my tag since XX/XX/XXXX. I keep getting the run around with the previous owner USAuto Sales and found out that was due to the company going out of business. So I have been diligently searching for the same information from XXXX XXXX XXXX and this is where it's led me. Can someone please give me a call ( XXXX ) XXXX or email me ( XXXX ) at your earliest convenience. I am worried that this extreme gap in time-frame is going to cause me to be penalized ( $ $ $ $ ) at the DMV in a major way.

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 2021-04-05
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Discover card is claiming I had an account with them and they charged off {$12000.00} in 2017. 
I never had any account with Discover card. I have asked Discover to send me proof showing this card account is mine. My original application form to start this account, transaction history etc. I have been writing back forth with Discover card for more then one year and 3months.So far they have not given any proof to me. I have written letters to IRS, Attorney General, XXXX XXXX and Consumer Response center to resolve this problem. Again, So far Discover card is refusing to give me any proof. If they do not have any proof, they should admit their mistake and give me a cancelation of this claim and the 1099 they have send to IRS. 
Please contact Discover Card division and solve this problem. 
I have the copies all the correspondence which I have mentioned above. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: CARILION CLINIC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been making payments to Carilion debt collection for over 3 years. I called today to find out why. The worker told me that I still owe {$2000.00} And when that is paid off I have another bill for {$2500.00} for a XX/XX/XXXX bill and a XX/XX/XXXX bill. I know nothing about these bills and she couldnt give me any information. I feel I do not owe anything from this time!!! The Carilion debt collect has placed bank garnishments on me three years ago so she told me they will do it again. I was never given the opportunity to prove that I owe this money. 

Carilion debt collection XXXX ( XXXX ) XXXX XXXX Virginia

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Fay Servicing, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Mortgage Company purchased my Mortgage and increased it dramatically. I requested a hardship modification. It almost seems that they are purposefully stalling on the hardship documentation, taking forever to process it. In the meantime, their online system will not allow me to make payments. The system indicates that I can not pay because I have " scheduled payments. '' The scheduled payment section clearly shows no " scheduled payments. '' ( examples Attached ) I have called and spoken to a rep who assured me my documents were being process timely and that the system would reopen to pay online. No " partial '' payments could be made. The mortgage statements and the website advertise " an updated website '' and several ways to make payments but this is false. The time frame to catch up on my payments is running further behind and my loan will be foreclosed upon. My credit is being destroyed and I am getting the run around in all directions. In addition, Fay failed to pay my homeowners insurance through escrow causing the insurance to lapse. I held this insurance policy for over 20 years. I now have to pay the insurance myself. The whole website and payment process is a failure. I have attached all the statements which clearly show that I can not make payment online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: EQUIFAX, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In XX/XX/XXXX, I paid XXXX XXXX XXXX XXXX ( XXXX ) approximately {$70.00} for a charged off checking account I discovered. In XX/XX/XXXX, I discovered that XXXX had falsely reporting the account as " LATE '' every month although it was paid in XX/XX/XXXX. I called XXXX in XX/XX/XXXX to ask them to fix the error. I was directed to file a dispute with the credit bureaus. So I filed a dispute with all three credit bureaus in XX/XX/XXXX. In XX/XX/XXXX once the dispute was completed the false reporting was still present. I called XXXX again today. I was told the reporting is accurate by XXXX a XXXX collections employee, which led me to seek further assistance from CFPB. There are almost 50 false reports of a late payment on my credit report for a {$70.00} charge off that I paid in full years ago. This is hurting my credit immensely. XXXX should be held responsible for not resolving my credit dispute within 30 days, if not for the years of false reports.

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 2023-11-01
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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 want the company to remove the fraudulent inquiries in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I received a wire into my business checking account with Bank of America for {$120000.00}. Th money is a loan from a real great friend and being used a funeral for a family member. I went inside my local Bank of America branch at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was dealing with the branch manager there his name is XXXX. I went inside asked to do a withdrawal and also a transfer to pay the funeral bill and XXXX stated I couldnt take any of my money out I asked why because it was sent to my account and it shows available. He begin to ask me well who is sending you money, like why is someone sending me money. I explained to him thats none of his business he then blocked my account and now I have no access to my funds at all or to pay the funeral! I cant withdraw any money so now means I cant run my business, feed myself or my children or even pay my bills. This is racial discrimination because Im XXXX  and what he feels like XXXX XXXX cant have money. I want my money this is crazy!! I called Bank of America customer service and they basically isnt any help either. So basically the bank is just going to take my money. I want my money.

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 2021-12-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have received several calls from XXXX XXXX XXXX a XXXX XXXX XXXX Did I make a online purchase for {$1900.00}. I argued with him but he was so persistent that He put his supervisor XXXX XXXX XXXX on the phone they sounded lagit but I was on the phone for an hour. Was asked to call XXXX # was told this was for fraudulent calls. Used a # XXXX from XXXX Finally the supervisor called from XXXX. I called Chase Fraud myself on a different phone and they said it was fraud. I got off the phone with XXXX. Chase has canceled my card and sending me a new one. This is the 3rd, or 4th time I have had this happen to me. Tired of the calls they need to be caught. There was a # XXXX called last year and about the same amount was said to have been on my chase card. 

I have contacted the Bank and have it taken care of. 
Thought you may be able to take further action. 




















3

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Google Compare Credit Cards Inc.
State: MO
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 I received an email from my credit card company that my card had been declined due to insufficient credit from a purchase attempt from XXXX XXXX. I immediately panicked because my card had no balance and I had not attempted to make any purchases. The purchase had been attempted at XXXX XXXX that morning. I immediately checked my credit account and had found that another previous transaction had cleared and posted on XX/XX/XXXX in the amount of {$1500.00}. As soon as possible I called my credit card Company XXXX and reported the fraud. They told me that the early morning transaction that was declined was in the amount of appx {$1400.00}. They took a report and filed a dispute. I contacted the XXXX store right after and via chat id XXXX searched for information on this purchase. The person I talked to was named XXXX. She told me she was unable to locate the transaction but directed me to a link to fill out a form for investigation. Today XXXX  said I was denied a refund of the money because there was no proof of fraud. 

As a direct and proximate result of XXXX XXXX failure to validate that this person was an authorized purchases, I was caused to suffer financial injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT 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 2023-12-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I got this credit card flyer, I applied for it I was denied, I do not know why I was denied when I keep so much balance in my chase business bank account after I was denied. 

I received another flyer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, my husband and I dined at the XXXX XXXX XXXX XXXX. Our bill came to {$77.00}. My husband and I have two separate PNC accounts. I tried to pay with my debit card, and I was told it was declined. My husband then gave them his debit card. It too was declined. He then used his XXXX Card. The payment was accepted. We both were concerned about our accounts, so we checked and both accounts had the money in the accounts to pay the bill. My husband and I have been back and forth with this bank disputed pending charges for the above amount, and subsequently posted charges of {$77.00}. I had three of these post to my account. My husband had two. They gave us provisional credit for these charges on each account, and launched a supposed " investigation '', but ended up reversing a provisional credit off of each account stating that the vendor stated that they did you the PNC card to pay the bill. We provided my husband 's XXXX card statement and a transaction tape from the XXXX XXXX credit card terminal proving it was only paid from the XXXX card. Here it is XX/XX/2020, and PNC said they are now reversing his provisional credit of {$77.00} stating the XXXX XXXX confirmed that his PNC card was what was used to pay this bill, even though he already provided proof it was not. He went into a branch yesterday and they refused to do anything about this. I worked in banking for 5 years and have never seen a bank pull something like this. This is not their money. This is my husband 's money and he would like it back. Please advise us on what we can do. We feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts are in question. listed below continue to report on my credit report in violation of federal law. These accounts are in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 do not recognize inquiries on report. I have asked for them to be removed and Credit Bureaus have not removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Continental Credit Control reached out in XX/XX/XXXX stating I owed a medical debt. They provided mostly illegible documents that had a person with the same name in a different city. 
I disputed the charges in XX/XX/XXXX. I did not receive any communication from Continental Credit Control until XXXX and XX/XX/XXXX, when they sent statements for the collections account, despite not having responded to my dispute. 
In XXXX of XXXX, they responded to the dispute. However, they did not provide any new information validating either the debt or their ownership of the debt. 

Aside from their communication, their tactics to collect interest on medical debts are unlawful.

Company response to consumer: Closed with explanation