BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-06
Company: DISCOVER BANK
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:
MY QUESTION IS WHY A COMPANY THAT SUBMITS CREDIT INFORMATION ( AND HAS A RIGHT TO DO THAT ) AND FINDS THE ISSUE WAS RESOLVED DOES NOT HAVE THE ABILITY TO HAVE THAT CORRECTED SO ONES FICA SCORE CAN BE CORRECTED ( AT LEAST BACK TO WHERE IS WAS WHEN THE ORIGINALLY REPORTED THEIR ISSUE?   This makes no sense, being they can not do that could cost a consumer a loan or a higher interest rate because of something that is incorrect.   Not fair, common sense would suggest that is a report is received and proper resolution is found due to a mistake or judgment error ... whatever, they should have the ability to go in and correct th e FICA score and according to Discover, th ey are not allow to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: JPMORGAN CHASE & CO.
State: KS
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:
On XX/XX/XXXX, I booked 2 tickets of round trip flights ( ICT-ORD ) with XXXX XXXX via Chase Travel. ( Chase Travel Itinerary Number : XXXX, XXXX Confirmation Code : XXXX ) On XX/XX/XXXX, Chase XXXX emailed me that XXXX had cancelled my flights and offered to cancel my flights so I can rebook through them again. On XX/XX/XXXX, I requested a refund back to my credit card in full because the merchant ( XXXX XXXX ) was not able to provide the service I paid for ( the original flights ). ( Chase CLAIM ID : XXXX ) On XX/XX/XXXX, I received an email from XXXX Customer Care ( Case ID : XXXX ) saying that both tickets ( Ticket Number : XXXX & XXXX ) have been processed for a full refund ( {$400.00} each ) and should be processed within 7-10 days. On XX/XX/XXXX, Chase credit card rejected my charge dispute and rebilled me in full for {$790.00}. Note that this is after the merchant had already agree to issue a refund back to Chase Travel. As of right now ( XX/XX/XXXX ), more than 2 months later from the original transaction, I paid {$790.00} + XXXX ultimate rewards points, and did not receive the service I paid for, and I have not received any refund in the form of either flight credits or back to my credit card anywhere ( nothing on Chase Travel, XXXX, nor my Credit Card ending in XXXX ). Chase is still refusing to issue me any refunds for this dispute even though XXXX had already approved the refunds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11
Company: SUNTRUST BANKS, INC.
State: NJ
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, I notice a inquiry on my credit Report : XXXX/XXXX/ XXXX dated for XX/XX/2019, I then contacted the company listed on my report via Phone and certified mailed letter sent to their address asking why is a inquiry on my credit file and XXXX XXXX , response to both means of contact was the same reply! 

They were not able to provide the reason for the inquiry nor who Authorized this inquiry, they said I would have to contact the original lender known as SunTrust Bank to gather information. 

I immediately called Suuntrust Bank for a explanation why this company ran my credit if I never applied for a loan or signed any contract for a loan or sign a application for funds/ Insurance etc. 

They were not able to provide any significant documentation to display my signature or myself Authorizing this company to check my credit report Electronically, or with a signed document with my signature.

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 2021-10-13
Company: ALLY FINANCIAL INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX of 2021 Ally Financial submitted the automatic payment to XXXX XXXX. XXXX XXXX did not pay the EFT payment. I had the funds Available in my Account. I was not aware this issue that XXXX XXXX did not pay for the Month of XXXX. I found out in XXXX and I called Ally Financial and paid 2 months payment. 
I called XXXX XXXX and they told me that it was an error and they provided a letter to me. I forwarded this letter to Ally Financial. Ally said it will fix it with the credit Bureaus and send a copy of the letter to me state the fact that it was XXXX XXXX that made the error not paying to Ally. 
But Ally has been send me a letter 3 times that shows only that the car is paid off and the payment status is 30 & 60 day lates.

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 2022-04-25
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 3 credit bureaus advised me to file a fraud complaint with the FTC to have all these fraud account removed 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
Consumer complaint received 2017-10-02
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: VA
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 DISPUTE THIS ON XXXX XXXX. XXXX AND I WAS INFORM BY A LETTER FROM GRANITE STATE MANAGEMENT THAT THE ERROR ON THERE PART HAS BEEN FIXED AND THE ITEM IS NOW SHOWING BACK UP ON MY XXXX AND XXXX CREDIT REPORT. IT NOW 11 MONTH LATER AND THE ITEM THAT I HAVE DISPUTE WHICH SHOULD OF NEVER BEEN TAKEN OFF OF MY CREDIT REPORT IS NOT SHOWING UP AT ALL. A LITTLE BACKGROUND ON THE DISPUTE I HAD BACK IN XXXX OF XXXX. ON MY XXXX CREDIT REPORT IT WAS SHOWING A WRONG DATE OF LAST DATE OF ACTIVITY ON THE ACCOUNT. I WENT AHEAD AND DISPUTE THIS WRONG DATE WITH XXXX AND IN THE PROCESS OF DISPUTING THIS THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND A COUPLE OF DAYS LATER IT WAS DELETE OFF OF MY OTHER CREDIT REPORTS. I CALLED GRANITE STATE MANAGEMENT ABOUT THIS ERROR AND THEY SENT ME MY PAYMENT HISTORY ON THIS ACCOUNT WHICH SHOWED THE DATE OF LAST ACTIVITY WAS XXXX OF XXXX BUT ON MY XXXX  CREDIT REPORT IT SHOWED A DATE OF XXXX OF XXXX. I SPOKE WITH SEVERAL REPRESENTIVE ON THE PHONE FROM GRANITE STATE MANAGEMENT REGARDING THIS ISSUE. THIS ACCOUNT WAS A CLOSED ACCOUNT AND IT WAS TRANSFER TO XXXX XXXX XXXX AT THE TIME IT WAS TRANSFER THE ACCOUNT WAS CURRENT AND IT HAD NO LATE PAYMENTS AT THE TIME IT WAS TRANSFER. SECOND LIKE I SAID EARLIER IT WAS A CLOSED ACCOUNT IN GOOD STANDING AND ACCORDING TO THE CREDIT BUREAU IT STATES ANY ACCOUNT CLOSED AS PAY AS AGREE REMAIN ON ONE CREDIT REPORT FOR 10 YEARS. THIS ACCOUNT WAS CLOSED IN XXXX OF XXXX AND THIS ACCOUNT IS NOT DUE TO COME OFF UNTIL XXXX. WHEN THIS ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT IT LOWER MY CREDIT SCORE AND JUST I SAID EARLIER THE ACCOUNT WAS IN GOOD STANDING. ANY LATE PAAYMENTS ON THE ACCOUNT GET REMOVED AFTER 7 YEARS OF THE DATE IT BECOMES LATE IF THE ACCOUNT IS CURRENT. IF THE ACCOUNT WAS NEVER CURRENT AT THE TIME IT WAS CLOSED OR TRANSFER THEN IT WOULD FIT THE 7 YEARS DEQUENCY BUT IN THIS CASES IT DOESNT FIT THAT. ACCORDING TO GRANITE STATE MANAGEMENT IN THERE ANSWER THAT THEY GAVE ON XXXX XXXX XXXX THEY STATE AS FOLLOW AS A RESULT OF THIS DISPUTE THE PROCESSOR INCORRECTLY INDENTIFIED THIS ACCOUNT AS HAVING AGED BEYOND THE REQUIRED REPORTING PARAMETERS AND SUBSEQUENTLY DELETED THE TRADELINE. THE ERROR WAS DISCOVERED AND A MANUEL UPDATE WAS PROCESSED FOR HIS TRADELINE TO REAPPEAR ON HIS CREDIT REPORT, AS TO THIS DATE AND TO THE CURRENT DATE AND YEAR NOTHING HAS REAPPEAR ON MY EQUIFAX OR MY EXPERIAN CREDIT REPORT. THE TRADELINE OF MY XXXX XXXX CREDIT REPORT WAS UPDATE CORRECTLY BUT I AM STILL WAITING FOR THE ITEM TO REAPPEAR ON MY XXXX AND MY XXXX CREDIT REPORT. I ALSO RECEIVED A LETTER FROM THEM THAT STAE THE ITEM HAS BEEN REINSERTED BACK ON MY CREDIT REPORT BUT SADLY IT HAS NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not aware that my insurance was canceled with out notification and i went to the doctor to do my anually free check out and they bill me even after i make the arraingment with them and they send me to collection.

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 2022-04-25
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account with all three credit bureaus even filed with the CFPB before. This company has acquired information from an account that has my name on it but does not belong to me. I have no idea where this account came from or how it was paid, if it was paid before. I only know about the account because it is showing as a negative item on my credit report now that I am trying to buy another home. I have tried speaking with this company but they only want payment and I am not paying for something that is not mine. I have lived in my current residence for XXXX  years and only have had XXXX credit card companies that I have ever used. I do not know about any others and no one lives with me but me and I get all of my mail so no one can send anything to my home and I not know about it. I want this negative and false information removed from my credit profile as it does not belong to me. The so called invoice that is shared means nothing when I have no idea where it came from, the account is not mine and should be stricken from my profile. This company is only after money and not working to clear false records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX follow up complaint. I had a issue that was reported to the XXXX XXXX  police dept. I filed a complaint with the FTC over someone using my information to get accounts and loans. Someone recently was able to apply for several loans. I live in XXXX my ID is being used around the country. Please remove the following accounts and inquires : XXXXXXXX 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 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 2022-04-25
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
The loan with Westlake was paid on XXXX, however it continued to be reported that I had XXXX auto loans out at that time. My XXXX  score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other XXXX credit bureaus have NO SCORE for me according to your site that I was just on? 
What in the world is going on?? I can not even attempt to purchase anything with this XXXX score!! 
Do the XXXX bureaus share information? 
Please help!! 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 2017-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates keeps harassing me with phone calls stating that I owe them {$4600.00} from 2 XXXX XXXX XXXX credit cards I opened in 2013. I was a XXXX XXXX then and I only have had 1 credit card throughout my XXXX years of living and that was a XXXX XXXX XXXX XXXX XXXX card with a credit limit of {$300.00}. Portfolio Recovery has 2 collections accounts on my credit report : one with a balance of {$2200.00} and another with a balance of {$2300.00}. I only had a {$300.00} dollar  credit limit so how could this be? The information that they have is inaccurate. I 've called them on several occasions disputing the inaccurate information but they refuse to remove both collections accounts from my credit report I even asked them to only charge me for the {$300.00} that I actually owe and they still will not do anything. They have sent me settlement letters but I refuse to pay debt that is simply not mine. The statue of limitations for unpaid credit card debt in the State of Louisiana where I live is 3 years. So even if the debt was mine, I still would n't be responsible for paying it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My identity was stolen and someone opened a checking account at Bank of America Bank of America XXXX # XXXX Acct # XXXX I disputed this with Bank of America and they said that since they didn't receive the original documents as I submitted my complaint online, that they ruled against me. I also filed a complaint with Early Warning and they said that the information Bank of America was deemed accurate. This is on my credit report as well as Early warnings report therefore preventing me from opening my own account. I have done all I could do and now there is no other option.

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 2019-07-11
Company: Comerica
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have received a new replacement card for XX/XX/XXXX deposit I have notified XXXX XXXX to the point they will not fix the problem with International ATM with draws XXXX XXXX will be my 2 year anniversary in this country of XXXX my Adress : 3 private XXXX XXXX XXXX XXXX # XXXX Phone XXXX XXXX Email XXXX SS # XXXX Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Had an account with newspaper company -- XXXX XXXX XXXX ( XXXX XXXX ) and subscription expired. They continued services without my authorization and deducted from my credit card without my authorization on two different occasions. 

This is fraud and I notified the credit card company who cancelled the card and reissued the card. They continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank setup our escrow account in a way that created a hardship for us. We had an agreed upon payment that we felt comfortable with. Unknown to us the loan officer did not fund our escrow account. Our first payment was due in XXXX, the taxes were due XX/XX/XXXX. The account was funded with {$230.00}, the taxes were {$1700.00}. This made our monthly payment go up over {$120.00} a month. We've tried to get answers from US Bank and they say " well its your taxes you have to pay them ''. That is fine and I'm not rebutting that. We feel like we should be refunded whatever fee we paid to the loan officer as the services were not rendered. The bigger question is whether or not this is a common practice of US Bank to put borrowers under immediate hardship as a method of causing foreclosure on loans.

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 2019-02-22
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My MUD tax payment from my escrow account paid twice on XX/XX/2019 and XX/XX/2019. 

I have called the company several times, remind them to fix the error. They never actually fix it, and reimbursed the funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Consumer Financial Services
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had worked for CFS for the past 3 years. Till my manager decided to quit in XXXX XXXX. That is when the new manager took over the office on XXXX right by XXXX XXXX. Not only was she extremely rude to her customers but to her employees as well including myself. She will pick on numerous employees on a daily basis no reason. Many employees brought it up to the attention of the CEO and the CEO failed to do anything to help us. Majority if the staff ended up quitting due to how unprofessional the new manager was. Once I quit I thought the harassment would stop and it did till XXXX XXXX I received an alert that CFS had ran my credit without authorization. I contacted my account holder and let her know I was going to email the CEO. I  then called back to set up a payment arrangement plan and was transferred to the manager and was told quote " Im sorry your  XXXX can NOT pay for your bills but I will get my money back '' and then contacted the CEO he apologized for the managers language and stated he was going to look into my account and set up a payment arrangement plan. I was later on that week informed by my account holder that the CEO did not want to work anything with me. I informed my account holder my situation and let her know I could pay XXXX by XXXX/XXXX/XXXX I never received a reply back so I assumed we had made an arrangement. I then on XXXX XXXX found a letter on my car from CFS in writing stating " WE KNOW WHERE YOUR CAR IS AT. WE ARE GLAD TO MAKE ARRAGMENTS WITH YOU PLEASE CONTACT CFS AT ( XXXX ) XXXX XXXX '' There was no letter head from the company just a ripped of sheet of paper. This company has been harassing me all month even after trying to set up a payment arrangement plan with them or return my car voluntary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am having an issue with both XXXX XXXX XXXX XXXX and Transunion. I had an auto loan with XXXX XXXX back in XXXX. I filed for XXXX XXXX  Bankruptcy XX/XX/XXXX which was discharged XX/XX/XXXX. There are two items reporting incorrectly in regards to this account on my Transunion credit file. 

1. They have the date of the last payment I made on the account listed as XX/XX/XXXX. That is very clearly incorrect as the last payment I made on the account was well before I filed for the BK and did not make any payments during the BK proceedings. The auto was later repossessed following the end of the BK. 

2. They have the account closed date listed as XX/XX/XXXX. There is no way possible that XXXX XXXX left the auto account open for five years after the BK was discharged. This very item is interfering with my ability to obtain credit. I was recently declined credit cards twice indicating there was the presence of an account recently in bankruptcy which is caused by the account closed date of XX/XX/XXXX. 

I have on multiple occasions disputed this item with both the credit bureau and XXXX XXXX and they both refuse to fix the error on the credit report. The most recent dispute is dated XX/XX/XXXX and the investigation was completed on XX/XX/XXXX but the errors still to this date have not been corrected. 

I have attached a copy of the most recent investigation results.

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 2021-06-12
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Kia Motors has this car reporting on my report as a charge-off with a balance even though it was repossessed. They also let us know that the car was resold. We've reached out to them about the way this is reporting but never received a response.

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 2022-03-18
Company: EQUIFAX, INC.
State: PA
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:
FRAUD ACCOUNT ON MY CONSUMER FILE. I AM REQUESTING DELETION. I SENT IN FTC REPORT AND COPY OF MY PA STATE ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Mercedes Benz Financial Services
State: IL
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 no knowledge of any of the accounts in my report. I have never had an account with any creditors reporting on my report..

Company response to consumer: Closed with explanation