BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-13
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received repeated emails from this company claiming that I owe a debt that I am completely unaware of and know nothing about. It is strange that I have been getting emails, but I did not realize the seriousness of this until recently. The information states that I owe a debt from a company called XXXX XXXX  that I do not owe. Please research your records and get this corrected immediately or I will be forced to take legal action here. In 2006, I found that I was a victim of identify theft, and I received a Judicial clearance from the judge attached, that shows that I was a victim. I was told that someone was using my information and it would be hard to control, but I have to put a stop to these inaccuracies immediately. I will contact my lawyer because this is getting out of control and out of hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I took my car for transmission to a mechanic by the name of XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( COPY ATTACHED ). they told me they can fix the problem on my car and they give an invoice in the amount of XXXX which i had paid for it with my chase credit card knowing if they could not do the job and having difficulty with this company i can contact chase and have them take care of it for me. week after XXXX XXXX XXXX XXXX XXXX contacted me and notified me my car is ready and i can go pick up my car. immediately after i picked up my car it broke down and we had to towed the car to them, few days later i got a phone call that my car is ready the same thing happened my car was not working and had to towed the car to them, again and it happened again after picked up my car for the third time which i decided this time to take it to another mechanic called XXXX XXXX XXXX and this people charged me {$2400.00} and they fixed up my car which i do not have any problem with it. I contacted the XXXX XXXX XXXX XXXX and asked them for a refund and they refused to refund my money back but they told me bring the car back and we fix it and i told them no thanks. Chase send me a paper to fill out to get my account credited after i filled up the paper works they told me they can not credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Consumer Financial Services
State: IL
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking XXXX XXXX I noticed a new hard inquiry for a new line of credit that I did not authorize for the 3rd time this year. The first was on XX/XX/2019, the second on XX/XX/2019, and recently XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Aspen Yo LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from my county tax office on XX/XX/XXXX stating my property taxes have not been paid. I have an escrow account with my lender to pay for the taxes. I have tried to contact my lender, Gregory Funding, on 3 separate occasion ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to no avail. Wait times have ranged from 45 minutes to over 2 hours, which is time wasted because no one ever answers the phone. This exact situation also occurred last year. I have no idea how or why this company is still in business with such horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Ideal Collection Services, 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: Personal information incorrect

Complaint:
I have contacted this company in regards to this collection account that's reporting on my credit report. The information does not belong to me at all. They have the wrong social and date of birth. I have advised this company to remove this account from my credit report, as it does not belong to me. 

I was never contacted by this company before this information was placed on my report. They never tried contacting me to dispute this wrong account. They have reported this information on my credit report as it has hurt my credit and caused harm to my score. They never provided me any information what so ever. They have totally violated my rights. I was advised from someone at their company that none of the personal information such as ( social and date of birth ) is correct. I am not sure how this account has ended up on my credit report. 

They violated my rights as a consumer because i never received any documents or communication before this account was added to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
my balance on your federal student loan is higher than it should be, I haven't received credit for payments that I have made, & that your loan was previously paid in full or discharged.

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 2019-08-17
Company: EOS Holdings, Inc.
State: MA
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:
This company claims that I have a balance of {$2200.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to the credit reporting agency that they are reporting this to asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report. I asked for documents that would show an original contract bearing my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law and also by what the FCRA says, they have to provide me with a contract that has my signature on it. On the credit report it shows the name of this company, but I do not know where this debt came from, I never had an account or a contract with them that says that I have an obligation to pay them anything. I want to see the original contract in order to validate this debt, I dont want to see no account statements or no itemized piece of paper because that is not enough to validate this debt, if this documentation that I have asked for cant be provided to me than delete this debt or account from all of the credit reporting agencies that it has been reported to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Borrowed {$1500.00} made payments for 2 years with no.luck of paying down balance due to high interest rates. I got sick lost my job they towed my car and gave me little.time to pay then {$2000.00} to get my car back to avoid them selling it. I had told them my situation and that I was in the hospital for weeks and they still sold my car. My credit report now states XXXX  as a loan that was charged off with an balance of XXXX owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a company called XXXX XXXX claim I owe them {$460.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$460.00}. I never signed anything. This is fraud.

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 2019-08-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Between XXXX XXXX XXXX of 2019 I was contacted by a debt collector named XXXX XXXX with IQ data. He has called me every other day since XXXX when a rent payment was a month past due. I suggested a payment plan or a set date to pay the amount in full and i was told to get a credit card. Then he threatened that my credit would be impacted if I did not pay the amount in full before the end of XXXX. The debt collectors who I spoke with later threatened to sue me if I did not make a payment and pushed me towards a mental break down. I have mental health issues and they used vulgar language and pushed me to the point of an XXXX  XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/19, on the Commerce Bank website, I ordered a stop payment on check # XXXX. The webpage did not say there would be a {$30.00} charge for it, and I assumed that it was free. I then found that my account had been charged a {$30.00} fee for the stop payment. 

The fee should have been disclosed on the web page where I went to order it. If I had known there was any fee, I never would have purchased the stop payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: LD Holdings Group, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX loan depot called ask me about refinancing I told him he could give me certain info but do not run a credit inquiry he said he wouldn't I didn't give him my social said he had it from XX/XX/2016 plus he talked to my wife not me I'm XXXX.i gave no permission hope they recorded the conversation cause my wife also told them not to wrong a report very upset at this point

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I submitted a loan application with Regions Bank on XX/XX/XXXX. I was told everything was approved and they were just waiting on my payoff letter. I submitted that and we closed on XX/XX/XXXX with no mention from anyone that there was a difference in the loan amount and what payoff was. I signed under the impression everything was fine. On XX/XX/XXXX I received a letter from XXXX stating the payoff was short {$1600.00}. I pulled out my loan docs and the docs show the payoff amount being sent to XXXX  as correct but my loan is a different amount. They did not mail the correct amount to XXXX  and why is my loan amount different? My daughter reported the error to XXXX XXXX with Regions Bank in XXXX, the same day, XX/XX/XXXX and she stated the loan would have to be rekeyed and credit pulled again. I know XXXX and honestly believe thats what the underwriters at Regions told her. She would have fixed it if there was a way. I was not okay with them pulling my credit again when it was their error. My daughter then reached out to XXXX XXXX, Operations Mgr, who told my daughter that the branch mgr would call me on XX/XX/XXXX or XX/XX/XXXX at the latest with my options and I have yet to hear anything from them on how they are going to fix their error.

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 2023-06-21
Company: Synovus Bank
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I disputed addresses that I never lived at and they were updated instead of taking off. As well as inquiries that I had no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: JPMORGAN CHASE & CO.
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:
Account was settled and payment history still shows as negatively report. Was never notified about not making payments from an bill auto payment. Was working on correcting this account however bank recommended to settle. I would like to continue to business with the bank in the future and would like in good faith to correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I only got this card because Costco switched from AmEx to their Citibank visa. I have 3 other Visa cards with zero issues. However, this particular card never sends me paper statements. I 've requested them on 4 separate occasions, each time after my card is declined. I call Citibank to see why my card does n't work and they tell me I have n't paid my bill. I say what bill? I 've never received one. They say you 've requested electronic billing, which is incorrect. They agree to correct the problem and I never receive a bill. When you pay electronically, they automatically send an e-bill. I 've asked repeatedly where it goes, is it emailed, sent to my third party app I used to pay? No, they say, I need to login to my account on their site, which I 've never done. How would I know when it 's due? They told me I 'm just supposed to check my account. I do n't use this card regularly. Tried to get gas and it was declined. Called them to find out I have late fees and charges for a {$43.00} ( approx ) bill and $ 100+ in late fees for a bill I never received, despite requesting it. I asked them to reverse the late fees and told them I 've repeatedly requested paper bills. They told me they would look into reversing the fees, I paid the balance of my charges only ( not fees ), and they would send me a paper bill. I never received it. Instead I get some XXXX letter saying I 've requested not to be contacted for debt collection. I do not think these practices are ethical, legal or fair. My 3 other Visa cards are paid on time every month. I never had a problem with the Costco AxEx card. This company is unethical and I want my late fees reversed. I 've asked now 4 times for a paper bill and made them aware I am not receiving any notification to pay my balance. They are clearly doing this on purpose as a means for me to incur more late fees and interest. I requested to cancel this card and am done with this particular card. It 's ruining my credit and I 'm not paying fees for their incompetence and unfair business practices. Look at your phone logs and see how many times I requested a paper statement and how many times I received one.

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 2020-05-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was a victim of the data breach, had his information sold on the dark web on XXXX XXXX data breach, and had to sue a dealership for fraud as well. 

I sent a 605B affidavit with a police report showing the numerous amounts of fraud with the information of the multiple breaches. This 605b FTC affidavit was sent to all 3 credit bureaus XXXX, EXPERIAN, AND XXXX. This FIRST affidavit was sent back in EARLY XXXX of XXXX. 

XXXX respected the 605b/police report and had all of the fraud removed off my credit report.

XXXX  did NOT respect the 605b/police report and the XXXX XXXX credit card ending in XXXX that had fraudulent activity was NOT removed. 

EXPERIAN  did NOT respect the 605b/police report and 3 credit cards that had fraudulent activity on them were NOT removed even though the police report and 605b showed the FRAUD. The 3 cards in mention are by the following creditors XXXX XXXX ending in XXXX ( same as previously mentioned ) XXXX  XXXX card ending in XXXX and XXXX XXXX starting with XXXX. 

I spoke with both EXPERIAN and XXXX  they said the verbiage in the 605b wasn't correct for the TYPE of Fraud i was reporting.

I have sent a NEW 605b affidavit and the same police report on XX/XX/XXXX, EXPERIAN still has NOT removed the 3 accounts in mention and XXXX  still has NOT removed the one account in mention. THEY DIDNT EVEN START a dispute till XX/XX/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 2022-01-13
Company: Aspen National Financial, Inc.
State: CA
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: Didn't receive services that were advertised

Complaint:
On XX/XX/2019, we formally informed XXXX XXXX Resorts of our intent to release from timeshare agreement on the grounds of fraud, misinterpretation and financial hardship. 
The company continue to charge us annual fees during the process and had ruined our credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: Experian Information Solutions 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:
I have refused access to online dispute to account that has been disputed before. After following another way to dispute via phone call. Experian never contacted creditor because I received letter about inquiry of account and it states that account is open with balance and good payment history. Experian has refused to update after they have received. They will not respond to emails and when I call I get the same runaround. This bureau is purposely manipulating my credit to show credit ratio is to high. Balance due with creditor but it is closed and that impossible. They refuse to include available credit.

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 2018-07-17
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:
in XX/XX/2017 I was released of liability from an automobile repossession. the information was distributed to all 3 credit bureaus telling them that the debt was paid in full. I have tried several times since XX/XX/2017 however my reports still show a balance.

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 2020-05-15
Company: EQUIFAX, 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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$150.00} XXXX XXXX XXXX {$210.00} XXXX  XXXX  XXXX XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/2019 a hard credit inquiry was made on my credit report by XXXX XXXX XXXX XXXX. The only information I can get from Transunion is : XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX. When I call the number I get a recording that says '' XXXX XXXX   XXXX XXXX HAS exited THE wholesale mortgage channel ... thank you for calling XXXX XXXX XXXX XXXX '' and then hangs up. When I contacted Transunion they told me I had to contact the bank. I called Customer Service and Fraud prevention departments and since I do not have an account with XXXX XXXX, they say they can not help me. I want the inquiry removed from my credit report as I did not apply for anything. I have since requested a freeze on all 3 credit bureaus for my identity. In the meantime I want the fraudulent hard inquiry removed but no one will assist me in doing that. It did lower my score and if it happened to me it is probably happening to others.

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