BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
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:
I have made several legal contacts in attempt to resolve this matter and would rather request for this fraudulent account to be removed, simply because it was not done with my knowledge or consent. I am prepared to take legal matters if this account is not removed from my credit history. No one should have to deal with such nonsense and fraudulent activity, as though this pandemic isn't enough for crying out loud!

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 2021-06-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A background check revealed criminal behavior, expired drivers license ( misdemeanor ), that is over 7 years old. Yes, I was guilty as I had my hands FULL due to a death in the family, but it should be removed from the record due to its date of occurance. According to the FCRA, information like this should be REMOVED after 7 years, but it's not!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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:
I check my credit report and notice some things that does not belong to me. These accounts are making my credit in a very bad standing. The accounts listed below aren't not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand what is going on? Please help me! 

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: PR
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:
Called Experian today because they have too much stuff wrong in my record. after I gave the correct name, and address to the employee, we verified the information and he still put the wrong address in my record. I will call them again tomorrow.

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 2021-06-01
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan from a company I know as Bridgecrest. My complaint is that it is extremely difficult to pay down the principal balance of the loan. Their web site and their " system '' simply don't give principle payments as an option. Nor do they allow me to view a statement of the account. For me to make a principle payment I first have to go online and make a payment of an amount more than the next due minimum payment. By default their " system '' attributes anything over the minimum payment due to future minimum payments due. Next I have to call their customer service department and ask to have the the additional minimum payments due reversed and then paid toward principle. I am then told the process can take 3-5 business days and to check back with them to verify the change. Next, I will detail my most recent attempt at making a principle payment : On XX/XX/2021 I went to their website and made a payment of {$6000.00}. Immediately after, I called their customer serviced and asked that a regular payment of {$270.00} be made and that the additional {$5700.00} bet put towards the principle balance. I was told the changes would be made and to check back later to verify the changes. 

On XX/XX/2021 I checked the site and the changes had not been made. Again, I called and was told my previous request had never gotten submitted but that it would now be. Again, check back later to verify the changes. 

On XX/XX/2021 I checked the site and the changes had not been made. This time I was told the changes were in process but not yet complete. " Check back later. '' Today, XX/XX/2021, the site still showed no changes. I made yet another call. No explanation was given. They promised to make the changes and call me with updates. They told me it could be another 3 days. I asked for a statement of my complete payment history and was told it was available to me on their site. It is not, though they insisted it was. I asked that rep to walk me through the process of getting the statement online. She then put me on hold and transferred me to someone who she said could help me get the statement. That person didn't walk me through anything, she simply verified my email address and said she would send me the statement. Again, this could take 3 days. Still no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a high interest rate loan from XXXX After receiving the funds, I came across the origination fee on the documents sent to me that were in the same amount as the loan. Loan amount approx. {$4600.00}. and origination fee approximately {$5000.00} I contacted the company immediately regarding the fee and the responded that the removed half the the fee. I replied via email Thank you. 
After that email, I was waiting for correspondence from them for payment. I wasn't sure if it changed the amount of the monthly installment or not. 
Previously when I had a loan with this company, they'd either call or text me as a reminder for the payment. 
I received nothing from them via mail, email, phone or text since the reduction for origination fee via email. 
All of a sudden, I go to get a new car and my credit is hit with a charge off from the company in the amount of the loan causing my score to plummet and making it nearly impossible for me to get financed. I ended up with getting a horrible rate due to this scenario.. 
I contact the company and they agreed that there was no proper notice provided to me prior to the credit reporting. No calls from collection or correspondence via mail. I asked why not and they said because it was in a certain department regarding the previous issue. 
Now, they tell me they didn't need to notify me to remind me of payment or to inform me of past due balances and monies due prior to charging off the debt greatly effecting my credit. 
This just doesn't seem accurate to me. Is this true of a high interest rate loan company?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-05-06
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am XXXX years old XXXX XXXX, XXXX, XXXX XXXX XXXX A XXXX XXXX XXXX Credit line was opened without our being being aware XXXX XXXX Contract Number XXXX  Purchased XX/XX/XXXX To XXXX XXXX A XXXX XXXX account was opened for us without our knowledge. We have learned this happened to another family in Tennessee as reported on the news.

XXXX XXXX XXXX Sales agents in XXXX  : XXXX XXXX was highly aggressive XXXX XXXX  We purchased XXXX XXXX  points in XXXX but were told it would not cost anything is we charged things to the Barclay credit card they issued. We have learned this only pays pennies on the dollar. They said we did not have to pay anything until we got our statement. Somewhere they said they charged us {$2000.00} on a credit card they issued. XXXX points for {$14000.00} was charged to the Barclaycards. I didnt know what we bought. They just said if we charged things using the Barclay credit card, then it would be all be free because we would not have to pay anything. You would pay for the purchase by using the credit card. We were there from morning until about XXXX XXXX in the afternn0on.

{$5500.00} was put on a Barclaycard in XXXX name {$9300.00} was put on a Barclaycard in XXXX  name {$7300.00} Promotional purchase {$2000.00} Promotional purchase {$30.00} Promotional purchase We then received a Welcome to XXXX XXXX   credit and thank you for an account on XX/XX/XXXXwhich I had no idea had been opened.

I cancelled the credit card shortly after the transaction XX/XX/XXXX, but I learnedXX/XX/XXXX that Barclays says I need to pay the credit card charges.

We were not even aware that the Barclay cards had been opened until we returned home. They ran our credit on our personal card and came back and said we had great credit. Without our knowledge two Barclaycards were opened.

We owe XX/XX/XXXX maintenance fee to XXXX  {$53.00} I have always paid my bills until this nightmare. I have sciatic nerve problems and I dont know what to do. I am not sleeping and dont know where to turn. I am working just to make money to try to end this.

This is Elder abuse and Elder fraud.

There was no time to read anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: C2 Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi C2 Financial, XXXX XXXX XXXXXXXX, pays their Loan officers XXXX and also proxy based on the transaction. This needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We prepaid Real Estate Taxes to XXXX County on XX/XX/XXXX. Called US Bank before paying and they said send us the paperwork and we will credit your escrow account for RE Taxes that were paid. We faxed information to US Bank on XX/XX/XXXX that XX/XX/XXXX RE Taxes had been paid to XXXX County in advance. They did not acknowledge anything. On XX/XX/XXXX we called them and they indicated it would take upto 2 months to apply prepaid taxes to your escrow account. Called them up again on XX/XX/XXXX waited 30 minutes for supervisor. They hung up and never called back. Called again on XX/XX/XXXX and spoke to supervisor since we received New escrow statement indicating escrow payments were going up on XX/XX/XXXX. They claim escrow payments will go up on XX/XX/XXXX, they also claim that they know RE Taxes were paid in advance to XXXX County for XX/XX/XXXX but they can not do anything. XX/XX/XXXX RE Taxes were paid to XXXX County in advance. US Bank has collected RE Tax escrow for XX/XX/XXXX thru XX/XX/XXXX and increased escrow payments eff. XX/XX/XXXX based on last year taxes.. 

We received a check for escrow refund for {$3900.00} check # XXXX dated XX/XX/XXXX from US Bank since US Bank received information from XXXX County VA. 

We called US Bank on XX/XX/XXXX. We could not get anywhere with the person who answered the phone in the escrow department. Asked to speak to supervisor, she was of no use. She transferred us to the Tax Department spoke to XXXX ID # XXXX she was no better than the first two persons. They just don't listen to you. XXXX told me that they need to verify from XXXX County VA if they had received the payment from us for the entire year of XX/XX/XXXX. 

We have enclosed printout from XXXX County, VA showing that the entire year XX/XX/XXXX RE Taxes have been paid in full. 

XXXX says they will still collect the RE TAX escrow payment even though its been paid in full by us. 

None of this garbage makes sense. RE Taxes are paid in full for XX/XX/XXXX and US Bank wants to collect RE Taxes for the entire year of XX/XX/XXXX and drag out the matter for months. Its already been six months.

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 2021-07-20
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Resurgent Capital Services located in XXXX, south SC started garnishing wages started at {$100.00} now {$170.00}. on Fraudlent debit card charges.he have proof from the bank he have not open this credit card. XXXX law firm is also involved in this scam. they are scammers preying on consumers they need to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
These people have not provided me with anything that I asked for. When I orginally contacted this company I wanted to get the debt verified and to get a copy of the bill and any other information pertaining to this account. The representative was very rude and stated that if i did not recall seeing the debt that i would have to fill out a fruad packet. They basically denied me the right to dispute this bill by trying to force me to fill out a fruad packet by over talking me and not allowing me to ask them for the things that I need for me to dispute this account. THIS IS ILLEGAL. BEFORE I proceed with a fruad packet I would like you to upload a copy of on the bill from XXXX communications. I need the first date of service, and itemized list of of the bill, as well as when the last payment was recieved. I would also like to see a contract from the company. It is my right to dispute all or some parts of a debt. you have not provided me the opprotunity to do that. 

I would like this company to be reported to the FTC. They use pressurized over talking tatics to push consumers into a corner so they do not have to verify a debt. When I asked them to verify the debt. They lady kept over talking asking if the debt was mines or not. and I kept explaining to her that I do not recall but would like them to verify the debt. she said that if I did not recall seeing the debt that I would need to fill out a fruad packet. They are refusing to allow me to dispute all or parts of my debt by not allowing me to ask them for the things I need. I would like this company to be fined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This company is reporting a delinquent account that does not belong to me and is reporting incorrectly as if it does. Filed a complaint with the XXXX XXXX XXXX and began the process of disputing this entry with the the three major credit bureaus. According to the FCRA, KOHLS has violated my rights as a consumer and I am requesting legal action to remove this account immediately as it is hurting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Credit Technologies, Inc.
State: GA
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 have filed a dispute pertaining incorrect items on my credit report, and it has been well over 30 days and I have not gotten the investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I entered a lease on or around XX/XX/XXXX on the original lease. I state the carpet is already used and has an odor. I noted that the blinds weee broken and mismatching. During my 2 plus years at XXXX XXXX XXXX XXXX XXXX, AZ. XXXX. In fact, fixed a stair rail that kept falling off and had XXXX XXXX XXXX plumbers install a sink I paid for because the one they had was old and fell off the downstairs bathroom. I was an excellent tenant and always paid my rent on time. In XXXX of XXXX XXXX XXXX XXXX, XXXX, came over to reassess the property. He then chose to not charge me a pet deposit, but rather raised my rent {$100.00} a month. He did not ask, request or discuss a pet deposit other than the increase. I then was told by XXXX that the owner was selling the property and that I had 60 days to move. I immediately in XXXX of XXXX began looking and moved out per our agreement on-time despite Covid 19 on XX/XX/XXXX. I asked the XXXX company to come do the walk through, but they - No Showed. I had complaint that the property windows were not secure and they did nothing. I left the house in the best clean and damage free. There was some wear and tare, but the company has an {$800.00} security deposit to cover those costs. However, XXXX lied to me and told me he needed my new address to mail me my deposit. When Im fact he has submitted false information and information that indicates XXXX XXXX XXXX wants me to remodel the unit? I am not responsible for remodeling a unit that I rented that is the owners responsibility. The company they hired is harassing me with calls, letters and reporting false information to the credit bureaus. National Credit Systems is reporting false allegations, pictures and information. I am disputing this at every level to resolve based on facts. It is the landlords responsibility to do a final walk through and if there was graffiti on the wall that is not of my doing? I dont understand why I am being victimized in this situation? Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, 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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent an international wire transfer from Chase bank branch ( in XXXX XXXX ) to XXXX XXXX XXXX ( XXXX ) on XX/XX/2022 in the amount of {$50000.00} USD. It was promised to be delivered on XX/XX/2022 but it was never received by the receiver bank. I called many times since XX/XX/2022 and at first Chase told me that record showed it was delivered and ask me to call the receiver bank. Both bank push me back and forth and I finally got a confirmation in writing by XXXX XXXX  that the {$50000.00} of fund was never received by them. XXXX received a payment direction for {$50000.00} but no fund was given from Chase, therefore XXXX sent declined the instruction and sent back the payment direction to Chase. I then follow up with Chase, it was a very difficult to communicate with them as their wire investigation department will not take phone calls and only secure message. And the secure message they sent are very brief, every time they tell me they will look into it and will take 3-5 business, and repeat. Now it's already more than a month and they still can not give me my {$50000.00} USD back. The wire investigation department did confirm that XXXX have rejected the request and Chase will refund my money but it have been more than 2 weeks and money wasn't sent to my account. I went to Chase branch, call the customer service line but they will redirect back to Wire Investigation Department which is only available through secure message but they are not helping me. I need to get my {$50000.00} USD back, Chase can not take my money just like that!

Company response to consumer: Closed with monetary relief