BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-17
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed an Bankruptcy on my Credit File with XXXX, and the ending results they admit to violating the Fair Credit Reporting Act. The information they received was incorrect and also obtained illegally from a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My homeowners insurance was not paid in a timely manner, as of today XXXXhas not been paid. I received a bill from XXXX yesterday XX/XX/21 indicating no payment received. 
I have an impound account with Flagstar mortgage. My renewal bill was due XX/XX/XXXX. Flagstar said that they received a bill on XX/XX/XXXX and paid the mortgage insurance through a check which could take up to 10 business days. 
XXXX has indicated they sent out two renewal letters to Flagstar. One dated XX/XX/XXXX and XX/XX/XXXX. 
XXXX has stated that they have not received a payment and that as of XX/XX/XXXX I do not have homeowners insurance as a result of the non-payment. 
I am forced to make a payment out of a credit card until they receive the payment. 
I have filed a complaint with Flagstar as they can not make a payment or expedite a payment. And I have filed a complaint with XXXX as they have not received a payment and therefore my account has lapsed. 
At this point my only option is to pay out of pocket on a credit card. I feel this is a discrepancy on both parties and I as the consumer are placed in the middle due to discrepancies. 
I do not want this to happen to others and so I feel I need to use my voice to at least have it documented. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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:
I LOOKED AT MY CREDIT REPORT AND NOTICE ACCOUNTS THAT I NEVER OPENED

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 2021-07-20
Company: CARS Acquisition, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I was lied to when I purchased a car. On the website it clearly states in house finance and no credit check. The Salesman at XXXX XXXX XXXX some me a car checked my credit and also never informed me that he would sell my loan to a throes party company. As I signed documents for the vehicle he didnt go over each page with me letting me know what I was signing. He also added my spouse to the purchase of the vehicle without her consent. About six months into making payments I was informed that I had a new finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
On XX/XX/XXXX, I made a payment online to HSBC Bank in the amount of {$1300.00} from my XXXX checking account. On XX/XX/XXXX it was credit to my HSBC account and showed an available balance of a little over {$2200.00}. On the same day, my XXXX checking account showed the {$1300.00} had left my account and paid to HSBC Bank. 

On XX/XX/XXXX I wrote a balance transfer ( convenience check ) to XXXX XXXX for {$1300.00}, that were issued to me by HSBC when I first received my credit card with them. On XX/XX/XXXX, XXXX 's stated the check was returned and to " Refer to Maker ''. When I spoke to XXXX 's, they stated that HSBC did not honor the convenience check and to speak with them. XXXX 's charged me {$37.00} for the returned check. I contacted HSBC 's customer service and they didn't understand why it was returned because my account showed I had sufficent available credit to cover the check. They stated that they should that my payment in the amount of {$1300.00} on XX/XX/XXXX cleared and posted to my account on XX/XX/XXXX and that the convenience check written on XX/XX/XXXX to XXXX 's should have cleared without any issues. They stated they would investigate the matter and that they would reimburse me for the {$37.00} returned check fee that XXXX 's charged me. 

After a few weeks with out being reimbursed, I contacted customer service again and was told that even though my {$1300.00} payment posted and was credit to my account on XX/XX/XXXX, that it really didn't clear until XX/XX/XXXX and that is why the check written to XXXX 's on XX/XX/XXXX didn't clear and was returned unpaid. When I questioned them on this they stated that its in my terms and conditions that payments made may take up to 14 day 's to post. I explained to them that my payment didn't take that long and that I have proof from XXXX and my online account with HSBC that shows it cleared and posted on XX/XX/XXXX, they still refused to admit fault and reimburse me for the {$37.00} returned check fee that XXXX 's charged me. 

After that, I requested to speak to a manager 3, being put on hold for well over 30 minutes each time and after being on the telephone for well over 2 hours, they hung up on me without ever letting speak to a manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-25
Company: BARCLAYS BANK DELAWARE
State: GA
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:
Back in XXXX of 2020, I received my credit card bill for my Barclays credit card. I noticed there were two charges made on XX/XX/XXXX that were not mine. One purchase was made at the XXXX, GA XXXX XXXX store with the total being {$810.00}. The other purchase was made at an undisclosed jewelry and repairs store in XXXX, GA with the total being {$1900.00}. Neither of these purchases were made my me and no one other than myself has access to this card. I disputed the charges to Barclays. 

A few days later, I received a letter from the company saying the charges were being investigated and had been taken off my account for now. A few more days passed before I received another letter stating that the charges were mine and I would have to pay both of them. The charges were then reapplied to my XXXX credit card bill. After calling the company to investigate, I decided to file a police report for identity theft as well as file a claim in the Federal Trade Commissions ( FTC ) 's Identity Theft website. I filled out the documents and faxed all of them to Barclays once more as instructed on the FTC 's website. After calling Barclays, I was told to wait for them to investigate. Today is XX/XX/2020 and I was just told that those charges are mine and I would have to pay for them. 

I am not sure what more evidence to provide that these charges are 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 2021-06-09
Company: General Motors Financial Company, Inc.
State: MS
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:
On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with XXXX, XXXX, and XXXX. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: SUN LOAN COMPANY 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: Investigation took more than 30 days

Complaint:
On XX/XX/2018 I had sent SUN LOANS a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX. 

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. 

On XX/XX/2018 after the 30 days and after my second letter I received a Debt Verification Response. 

On XX/XX/2018 I sent a letter thanking them for the DEBT VERIFICATION and explained to them that not only that I never asked for a DEBT VERIFICATION, that This request was unanswered in the time frame allotted by federal law and was indeed a FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. As you are well aware, federal law requires you to respond within 30 days. 

My second letter outlined the fact that my request did indeed go unanswered as I have documented proof of delivery and signature of the Certified mail I had sent.The DEBT VERIFICATION sent does not indemnify Sun Loans of the responsibility and legal requirement to supply EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT.

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 2018-02-02
Company: CHECK INTO CASH 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 requested a verification of this account several times, I don't believe they have the right person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
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: Personal information incorrect

Complaint:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address and phone number XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX All application as not been turn down do to my address not on my credit file I HAVE BEEN LIVING IN THIS ADRESS SINCE XX/XX/XXXX Have enclosed a copy of two bills Please delte this number on my allert its not my number XXXX Please delete the address bellow they are not my address ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX Please correct this phone number on my fraud alert to XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 
XXXX XXXX ss # XXXX dob XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Systematic National Collection, Inc.
State: NV
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:
I ordered my credit reports from XXXX. I selected all three bureaus and only XXXX has sent me theres. XXXX has a XXXX number and is easily able to be reached while XXXX is very difficult to reach and when trying to submit a complaint asks for a confirmation number from my credit report but they still have not sent one.  Every time something is removed from my XXXX file such as Sustematic collections it goes on my XXXX report. I am noticing this through XXXX XXXX because I dont have access to anything at XXXX. This is MY information. I also filed for bankruptcy XX/XX/2018, have been to the meeting of the creditors and everything is supposed to be Discharged XX/XX/2018. I talked to a XXXX official and he said well ... all the information will still remain? I do not understand. I thought a bankruptcy chapter XXXX was supposed to wipe your slate clean and give the consumer a fresh start. I am an XXXX XXXX Beteran after serving 8 years in the XXXX. I noticed on XXXX XXXX that there is a XXXX balance of XXXX dollars after 11 years. I called XXXX and they said they couldnt even find my name. Everything was payed as agreed but it looks like to me there is no justice for the consumer. XXXX should have an open line that is easy to get in touch with a real live person on the other end to talk to. I was cut off several times and it kept asking for a confirmation number even after they wont send me a credit report. I hope someday to be able to afford a mortgage even though Im just a middle class American.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am trying to open a XXXX account but it says that PNC has made a change that prevents you for being able to link your accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was shocked when I reviewed my credit report and found late payment with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
CAPITAL ONE XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Convergent Outsourcing, Inc has called repeatedly and sent a written letter claiming to collect a debt that I do not owe. I made contact to the Original Creditor and they confirmed it is a scam as they have no record of account reported by this debt collection company.

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 2018-12-28
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:
credit report showing information that is not mine please have it corrected

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The company continues to report fraudulent accounts to my credit report when I have never signed a contract with the company. They are refusing to send me verifiable proof of an original consumer contract with my signature on it.

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 2020-12-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Applied for dental coverage for live in boyfriend on XX/XX/2020. The premium was {$780.00} and was to begin coverage XX/XX/2020. No welcome packet nor plan identification was ever sent by email or mail. 

Emailed, called and opened incidents with XXXXXXXX XXXX support repeatedly. Customer service could not find his info nor I in the system and without a participant id they could not process a refund. Their support team closed the incidents I opened without reaching out to me. 

I reached out to my bank, Chase, to request they do a charge back for the XXXX at XXXX XXXX transaction. They said since it was an ACH transaction that they could not do a charge back and I would have to request a refund from the company directly. I asked for all transaction details and drafted a letter. 

I left a voicemail for and sent an email to their XXXX, XXXX XXXX, explaining and requesting a refund. She forwarded my request to their appeals department. XXXX XXXX called me and left a voicemail to let me know that she received my request and she left me her email address. I emailed her to get status and she responded via their secure messaging application ( deletes emails after number of days ) just to email back that she can not respond to me because of privacy laws due to the plan was purchased for someone else and she would be sending the enrollee a response via mail. 

That letter arrived and as I had predicted would happen, they informed my boyfriend that they can not refund me the premium because they suddenly found his plan info! They say their records showed he was given a plan id for coverage XX/XX/XXXX, and was sent a welcome packet. THIS IS COMPLETELY FALSE! He has not been able to utilize the coverage they claim to have provided because no plan info was ever sent and it took me numerous failed attempts to bring this to light and only until after finally reaching out to their CFO did they send an id card. The letter does not even offer to extend the policy for the time lost. 

Customers should be able to dispute any bank transaction in their account to recover funds from a company that refuses to take responsibility for failing to provide service during the subscriber period for which they received payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
State: TN
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, Experian started reporting that 4 of my student loans through U.S. Dept. of Education are being included in a Chapter XXXX bankruptcy on XX/XX/XXXX. I have no bankruptcy on XX/XX/XXXX, so how could these accounts be included in a bankruptcy on this date. When this information was put on my credit report, it caused my Fico score to drop 21 points. I want this inaccurate information delted from 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 explanation