BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-02
Company: National Credit Systems,Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reached out to XXXX XXXX to validate this debt and I was told that there is not any debt owed to them in the amount of {$1100.00}, I have requested that National Credit Systems validates this debt and they have not done so. I am requesting that collection ceases for a debt that is not owed and removed from all three credit buearu 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 informed this company years ago that my wallet was stolen and a credit card was opened with this company they informed me that the card was closed and they will inform all 3 credit bureaus but this account is reporting on my credit reports as a chard off account this is incorrect.

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 2020-10-12
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:
XX/XX/2020 FIRST ATTEMPT/LETTER SENT : XXXX placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. XXXX XXXX XXXX placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. XXXX placed INACCURATE and INCOMPLETE information on my EXPERIAN credit report as open in my legal name. EXPERIAN claims an investigation was done and received a signed contract from with my signature on it. This is not true and still false information remains on my credit report. XX/XX/2020 2ND ATTEMPT/LETTER SENT and I called to dispute these accounts and Experian refused to file my dispute and advised I contact CFPB. XX/XX/2020 3RD REQUEST to see Verifiable Proof ( an original My Consumer Contract with my Signature on it ) placed on file of the accounts listed before. EXPERIAN failed to positively verify these accounts and has hurt my ability to obtain credit. XX/XX/2020 FINAL LETTER/PENDING LITIGATION According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), CRA are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a 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 explanation
Consumer complaint received 2018-02-02
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my lease from US Bank. They failed to release my title with in 48 business hours per the Texas rules. Additionally US Bank confirmed receipt of the check on the XX/XX/XXXX but on the XXXX when I followed up stated they had not processed the check. I believe payments or payoffs are required to be applied the date of receipt. US bank required I pay them the Taxes that were due to Texas and then they were supposed to send me back a check made out to Texas for the Taxes. Instead US Bank send me a check in the incorrect amount made out to Dept Of Revenue SD ( South Dakota ). 

I had another car deal pending getting this car 's title in my name. This forced me to pay the taxes due to Texas out of my own pocket. US Bank is now refusing to refund me the funds I have paid to title the car in my name. Which I have now paid twice. I am holding an outage on my personal account of XXXX. While that might not be a lot of money to some, it is significant for me. 

US Bank told me I had to pay to have the check overnight mailed to them. This would cost me more money for their error. I asked they provide a label at their expense. They said they would and stated they emailed. I was later told they did not email it which is why it was never received. They stated they sent the label via XXXX and gave me a tracking number. The tracking number is for the label I would send back to them. They refused to give me the tracking number of the XXXX envelope which is to contain the XXXX label so I can send them back a copy of the check to South Dakota. Since everything else they have told me was not accurate I am failing to believe they have even sent me the XXXX envelop. My other question is why do I have to send them the bad check, I don't trust that when they do receive it that they will send me the funds they owe me. 

I attempted to escalate the situation but twice the call was disconnected when I tried to speak to a supervisor. On the third attempt I was able to speak to a supervisor who refused to work with me to get the check sent to me. I was told I had to send them their incorrect check and wait for it to be processed and trust they would then process a check and send it to me. So I am stuck holding the outage on the XXXX at least a week all due to their mistake. The supervisor refused to transfer me to her supervisor or any other supervisor that could help and that she had to disconnect the call because she couldn't help me. 

This has been a horrible experience of lies, mistakes and misinformation which has resulted in my loss of money and me holding the outage. US Bank has taken no responsibility or action to remedy their mistake.

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 2021-07-15
Company: ENOVA INTERNATIONAL, INC.
State: UT
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:
XX/XX/2021 Contacted NetCredit XXXX at XXXX and was placed on hold for 20 minutes and disconnected. 
XX/XX/2021 sent an email at XXXX and received an No Reply response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Medical Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I never owed anything to these people. Show my signature in blue ink because these accounts are showing closed and open on my credit report. Itemized screen shots isnt my signature nor my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Requested 180 day forbearance as per the Cares Act. I am going through financial problems due to Covid19 but was told they will only do three months now and another three months later if needed. My wife lost her job and she have not been able to get any unemployment because Maryland have done a terrible job handling applications. I strongly feel that Navy Federal is doing everything they can to go against the CaresAct because they don't want their customers to take the 180 forbearance. One associate told me the three month is in line with the CaresAct. When i sent them a copy of the CaresAct he later corrected himself and said he just can't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Professional Credit Management, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I never owed anything to these people. Show my signature in blue ink because these accounts are showing closed and open on my credit report. Itemized screen shots isnt my signature nor my bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a customer of Chase 's Southwest 's Rapid Rewards Plus credit card for over 5 years. When I initially signed up, the benefits were great and owners of the card had the benfit of reaping rewards when booking through southwest and using the card while flying with them, it was worth the annual fee of {$69.00}. 

Over the years the rewards have been pared back, and it has become the card with the least amount of features in the product line. I have called Chase multiple times because I do not want to stay with a card that has an annual fee, and I requested a product change. 

Chase has told me that, even though they service the card, you can not leave a " partner product line '' which southwest counts as. I am trapped in the Southwest product line and there is no card option that has no annual fee. I feel cheated and that my only option is to close my account, which has my longest credit history, and will result to a massive hit to my credit score. This will impact my ability to buy a home, get a better credit card and if I keep the card over the next 10 years, and not spend a dime : I will owe {$690.00} in annual card fees, unable to leave. That isn't right and they say they " can't '' move to another product.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Elite Debt Brokers
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
on XX/XX/XXXX, I received a call from an unkown debt collector threatening to " sue '' me if I did not pay them. This company never identified themselves, nor sent documentation to the addresses listed on the payday loan. They also do not leave messages stating who they are. I called back fearing suit and gave them some information. After giving them credit card information that I should not have given, I attempted to call to correct the issue, but the number given is not the one I can contact, and I received a call from a lady who said they would " locate '' me and tell others about my debt. I filed a complaint here on XX/XX/XXXX with ACE, the originator of the loan, and was able through that complaint to identify the company they sold the debt too. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. This company has never sent any documentation proving the validity of the debt in question so that I may dispute it, nor identified themselves as debt collectors as required by law. The message I have attached shows how they contact debts they acquire. I have looked on their site and it states that the " debt '' was sold to another creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: EQUIFAX, 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:
Hi I am contacting you on behalf of my XXXX  so XXXX XXXX XXXX. I keep receiving bills and calls from creditors saying that my sons owes money when I know this isn't true as my son is only XXXX old and has XXXX. His father was deported for stealing his identity as well as mine and others. Please make these companies remove my sons name from there agencies. My ex husband is taking over my identity as well as my sons I have been reporting him since 2011. My son shouldn't have anything in his name he is a child and he is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Union Home Mortgage Corp
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 I asked mortgage company to end my escrow account. I wanted to pay my own property taxes and home owners insurance as for two year they underestimated the cost. Each year my escrow cost increased and I had to pay extra for the shortfall. Mortgage company sent me a letter stating I needed to pay shortfall which I did in XX/XX/2020. Since then I have just been paying interest and principle. Mortgage company keeps sending me notice of missing escrow amount. I have called numerous times in XXXX XXXX and XXXX about this issue. I confirmed they cashed my payment for escrow deficit but they have not updated my account. Their customer service has promised a manager would call me, that problem would be fixed mid XXXX and even a week later in XXXX. All these actions have NOT occurred. Talking with their customer service is useless as these employees can do nothing and they have said I cant talk to anyone in the escrow department Union Home Mortgage XXXX New Jersey

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 2021-07-15
Company: Conduent Incorporated
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
There were transactions from a vendor in XXXX named XXXX XXXX XXXX, which I or my daughter did not make. I filed a dispute on the transactions, closed the card on XX/XX/2021, and requested a new card. Then another transaction posted from the same vendor on XX/XX/2021. I was mailed a form for the dispute and when I called I was told that there was " Conflict of information based on wording '' and they closed the case on their end and never investigated or credited my account but I could file a police report. I then went to the police department who requested a print out of the transactions. I called the EppiCard 24 times, yesterday, from XXXX XXXX until XXXX, being placed on hold, hung up on, transferred to the wrong departments, told they had technical issues, and given the run around. Eppicard is doing nothing to resolve, investigate, or cooperate in this matter so that I can at least file a police report. 

The transactions total to {$340.00} and are the following : XXXX XXXX XXXX XXXX  fee : {$3.00} XXXX XXXX XXXXcash purchase : {$170.00} XXXX XXXX XXXX XXXX fee : {$3.00} XXXX XXXX XXXX XXXX purchase : {$160.00} XXXX XXXX XXXX XXXX fee : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Under the new law beginning XX/XX/2017, public record data collected for credit reporting purposes including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at more frequent intervals as follows name address social security number and date of birth and minimum frequency of courthouse visits to obtain newly filed and updated public records of at least 90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Ad Astra Recovery Services Inc
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Hi, I took out a payday loan for about {$270.00} from XXXX XXXX here in XXXX, Oregon. The date was XX/XX/2013 I paid them back within 2 weeks and they never credit my account. I went to check my credit report and they don't have a copy of my payment and they sold the account to Ad Astra.

Ad Astra Recovery, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KS XXXX Account # : XXXX I never had a contract with Ad Astra, they don't have my records and I can't understand why they are there on my credit report. I have called numerous times and they just give me the run around. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSWORLD SYSTEMS INC
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had been with XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX ) for more than five years, contact them true agent at XXXX XXXX. 
When I retired in XX/XX/2020 from XXXX XXXX XXXX XXXX pay {$480.00} liability for six months got to expensive, call agent two months before to let insurance know, and start looking for cheaper, found it - {$220.00} for six months. XXXX decide I own {$79.00} for one more month, I pay always six months in full. 
Contact Insurance ( agent ) several times, no result. 
XXXX send to collection agency - Transworld Systems Ins. ( XXXX XXXX  Address:XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX PA XXXX ) ( Return Mail : XXXX XXXX XXXX XXXX. XXXX XXXX, DE XXXX, contact agency, ask questions - no answers. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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: Information belongs to someone else

Complaint:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX  : XX/XX/2021 XXXX XXXX  XXXX : XX/XX/2021 XXXX XXXX  XXXX : XX/XX/2021 XXXX  XXXX XXXX : XX/XX/2021 XXXX/XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXXXXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX XXXX : XX/XX/2021 XXXX  : XX/XX/2021 XXXX  XXXX : XX/XX/2021 XXXX XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I submitted a payment for a normal installment of my loan after the grace period but within 30 days. I was under the assumption that I had made the payment, albeit late, but within the 30 day time after which I would be reported to credit bureaus for a late payment. I assume there was a bookkeeping/technical malfunction, as the payment did not process. I am worried that I will stand to have my credit severely affected by this. I have never had a +30 day late payment on any of my accounts before and want to have this one forgiven/forgotten if possible. 

I want to do everything I can to avoid that late payment and the chances that it may occur again. I have registered in auto-pay with the loaner going forward and called the company  to 1 ) pay both payments for the account XXXX and XXXX payments for 2020 ) and 2 ) see if this instance would be reported The representative from Fifth Third Bank referred me to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED 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 2020-10-12
Company: Experian Information Solutions Inc.
State: SC
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:
Sent dispute letter to experian on XX/XX/XXXX disputing negative items that dont belong to me have not received anything back

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