BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to a re investigation for inaccurate information reporting on my credit reports. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.

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 2021-04-06
Company: Resurgent Capital Services L.P.
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:
LVNV has continuously violated their duties pursuant to the law. Please see the attached PDF as my complaint as I do intend to litigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 @ XXXX XXXX I ( XXXX XXXX XXXX ) entered PNC Bank in XXXX, AL to deposit into an account in the name of XXXX XXXX in the amount of {$15000.00} cash to act # XXXX Routing # XXXX This was a favor for my fianc at the time that was in the military and needed money sent. My fianc and I are no longer together but that shouldn't matter. If this account was truely a scam account then where is my money. This entire nightmare has been unbelievable. 
Later that day I received a phone call from the XXXX, AL branch informing me the account I deposited the money into was being reported to me as a " SCAM '' account and the Assistant Branch Manager at XXXX informed me they were letting me know that they had caught the money before it was lost to the scammers. As soon as they had my {$15000.00} back for me, they would let me know. 
Since then, there have been so many stories told to me by PNC corporate, different branches, my phone number was even blocked and the worst of all came from a very rude branch Manager from Ohio where the money was actually taken and the account was reported closed. This very rude Manager actually told me the {$15000.00} was now her money to keep since she is the branch manager and I didn't have an account there. I had verified everything prior to depositing the money so I'm not sure what this lady meant. No one 's money should be hers!! 
I have tried everything to get the money back. There have been so many lies told to me by this company its unbelievable that they are still allowed to be in business. THe worst thing of all is the Branch Manager and Assistant Branch Manager have been going around the small town of XXXX telling people I am part of a " SCAM RING '' ... Really .... there's no such thing ... I XXXX XXXX for the military for over 30 years so how does some very low life individuals get to ruin my name!!!! I want them to be behind bars. I am XXXX with a XXXX XXXX injury XXXX and have had enough of the disgrace!!! I want my money back and stop trashing me.. They even have another bank around here labeled me as a FRAUD!!! REALY!! 
Please help in resolving this matter. Ive tried for quite a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
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: Information belongs to someone else

Complaint:
I have filed a dispute with XXXX, XXXX, & Experian about information being reported on my credit that is not mine. I also spoke with my local court who informed me that they did not report a bankruptcy or any other information about me to the credit bureaus or anyone else. I don't feel as if they should be able to report inaccurate unverified information about me that is tarnishing my credit. I want this issue resolved immediately.

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 2020-06-11
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:
I disputed late payments with XXXX on several occasions without any results from XXXX for the 3 major credit reporting agencies. I called XXXX on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX was unable to provide statements with late payment information and information was not available online as well. Only XXXX statements were in their system and for me to review online which were not the statements needed. My concern is what information did XXXX provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months XXXX is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover Financial closed my credit card account inappropriately. I have been a loyal customer to Discover for 10 years and never missed a payment ever. I entered into a payment program in XX/XX/XXXX to pay down my credit card through discover, it was paid off in full in XXXX of XXXX. They never re-opened the account, and then I get an email in XX/XX/XXXX stating that they are closing my account. This has directly negatively affected my credit score that I have been working so hard to rebuild because now my oldest account has been closed and my available credit amount has been decreased by {$9400.00}. How can a company do that to such a loyal customer who has never missed a payment and was only taking advantage of the programs that Discover bolsters and brags about to help people make payments. I was given no answer to why my account was closed and when I spoke to the executive office on XX/XX/XXXX they state " we can not tell you what we look at because it's an internal process. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX I have disputed account which Transunion reported as late payment. I asked them to send me some kind of information as to why they say the account is verified, true and correct. But they failed to give me. The error has affected my credit score.CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-04-11
Company: Roquemore Holdings LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My wife received a phone call from her ex husband stating that XXXX XXXX with XXXX XXXX XXXX debt collection agency stating that I owe money and that they are going to sue me and take my car that I paid in full. XXXX XXXX then called my wife and told her that they are going to call my job. She was very rude and aggressive. 
This is against the law. 
This agency is not bonded to collect in my State Texas they are in violation of the Texas Finance Code

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions 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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report there are many derogatory items that do not belong to me. Please remove these items from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report there are many derogatory items that do not belong to me. Please remove these items from my account.

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 2018-04-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I had received a promotion in the mail from Chase offering {$500.00} to open a checking and savings account with the exception of having XXXX in savings and direct deposit in checking ( {$25.00} ) in which i followed through and provided a check in the amount of {$15000.00}. ( XX/XX/2018 ) The account was set up at Chase ( XXXX XXXX ) XXXX Texas location and was given a direct deposit slip to provide to my employer. A few days later I receive a letter stating they would be closing my accounts so I went to the branch office and spoke with the branch manager ( XXXX XXXX. XXXX XXXX he called Chase to see the reasoning behind the issue and stated they do not have to give an explanation or reason as to why they have chosen to close the account. This has made me very upset and feel as if they have provided false advertisement and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: CT
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 inquiries on my report that are not mine. I sent in the dispute over a month ago and no one contacted me or resolve the issue yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Lakeside Title Company
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I received a cheque of apps. XXXX USD and I was asked to pay XXXX USD to a 3rd Party in a contract against my XXXX XXXX. 
1 week later the cheque was withdrawn and account got overdraft by XXXX USD. 
All the relevant details has been attached in pdf.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Company XXXX XXXX XXXX law firm had me sign a stipulated agreement and through the process of paying my debt they would only accept check, money order or checking account number, no debit transactions. I tried with checking account number which in the beginning was ok but then I fell back on payments and they said it was in their policy to have to receive two checks before they can reinstate accepting payment through a checking account number electronically. I then asked why I couldn't just have them run it as debit, they said that's how their business is set up. I was told by their debt collectors at XXXX XXXX  XXXX that I may call the original lender to pay my balance through the lender since XXXX XXXX XXXX is the third party. I called the lender and they said the account is closed and XXXX XXXX XXXX is handling the account now, but why if XXXX XXXX  XXXX is defending td bank USA ( lender ), wouldn't the account still be open and it is my debt, and why need a third party? I've tried paying with money order after the problems I stated above and after four or six money orders sent, the last money order got lost in the mail. I had to cancel the money order and the money order charged a fee to process the lost money order and returned partial of what I sent to XXXX XXXX XXXX, this also made the payment late. XXXX XXXX XXXX also lied about me having more time to pay before the agreement ended which I never got in writing, and then they said I didn't have enough time the next call around. I can't trust XXXX XXXX  XXXX and I want to have the lender open the account again so I can easily pay my debt electronically with debit and not a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Yamaha Motor Finance Corporation USA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I went and bought a motorcycle from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) Motorcycle was bought on XXXX XX/XX/2021 for {$14000.00} and we paid down {$4100.00} and financed XXXX with XXXX XXXX XXXX. XXXX was done through dealership. Today i have received a Yamaha credit card in my mail that i never applied for, as per Yamaha we applied it at dealership. I am very financially aware person and don't apply for credit cards anywhere besides my bank, and why would i need a Yamaha credit card. Me and my husband went to buy this motorcycle and not a single time we applied for any credit card or they even mentioned anything that we'll be getting any credit card too. I believe dealership gets paid for getting credit cards and they are doing to people without even their knowledge. My credit has gone down some points because of this and it will go down even further when i will close my account now. Never have i received any credit card without applying ever in my life. i didn't even buy Yamaha motorcycle, this is pure fraud done by dealership and Yamaha Financial services. We are financially well off and are not one of the customers that will be ok with getting new credit card and start using it. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-09-01
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: Public record information inaccurate

Complaint:
I tried to place a freeze on my Experian report and the website asked me some public record questions for security. I didn't recognize two of them but it said i answered them incorrectly. When i called the Experian contact us phone number ( XXXX ) on the website their system is setup to prevent consumers from reaching customers service. This is very obvious when you try every option and are still unable to reach a representative. Online will not work forme, since they want me to verify the inaccurate information they have on file. Even the IRS has a callback wait list option. Please try to reach them yourself to verify this scenario. I don't understand how they are trusted with such an important task and they have such a poor customer service interface. Now i have no way to correct this inaccurate information. Please help advise me as to who supervises their management of public information.

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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: EQUIFAX, INC.
State: AZ
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:
Dear XXXXXXXX XXXX : I apologize for contacting you but since I could not get my situation resolved through normal process. This is regarding an old checking account. I am requesting that this account be deleted from all 3 major credit bureaus ( XXXX, XXXX, and Equifax ). The balance of {$160.00} was paid in full over a year ago. I realize that the account was overdrawn but I paid it like within a month. I also had similar thing happen with XXXX and they never reported anything to any credit bureaus. They only reported to XXXX. Same thing with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX or any other bank checking account, they will only report an overdrawn checking account to XXXX and perhaps XXXX XXXX then once account is paid they mark as paid in full. XXXX is the only bank that will report an overdrawn checking account the 3 major credit bureaus and refuse to delete after debt is paid. I did some research and I can not find another bank that will report overdrawn checking account to the 3 major credit bureaus ( XXXX, XXXX, and Equifax ). I am not satisfied with account being marked as paid in full. I also want it deleted completely from all 3 major credit bureaus. XXXX should follow the lead of other banks. XXXX is already getting a bad reputation in XXXX market and if you dont believe me then please read online reviews. I also want to make a complaint about the branch manager XXXX XXXX. She is very unprofessional and she is dishonest about bank practices. She was trying to convince me that because FCRA that is reason that account can not be deleted from the 3 credit bureaus but that is not true. XXXX can easily delete if choose too. Like I mentioned XXXX is only bank that will report an overdrawn checking account to 3 major credit bureaus and then refuse to delete even after its been paid. I am asking for your assist please in getting a small debt that has been paid in full deleted from credit bureaus ( XXXX, XXXX, and Equifax ). If XXXX continues to refuse then I will also be forced to file a complaint with Federal Trade Commission and I will also go to my local media. Perhaps XXXX needs to be brought to the publics eye so that consumers know that XXXX is practicing in unfair practices that no other bank does. XXXX also indicated they contacted me or attempted to reach me that is no true. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to the Corona Virus I applied for a forbearance and was granted a 90-day forbearance by Select Portfolio Servicing. My financial circumstances improved after 60 days and I called to make repayment arrangements. I paid {$1000.00} and was to resume payments of {$1200.00} until XXXX - at which time I would be caught up. I began getting letters saying that I needed to contact the company to make repayment arrangements. When I called, I found out the arrangement had never been entered. After an hour on the phone, I was disconnected. I was called back by a woman with a thick XXXX accent who spoke very quickly which rendered the message not understandable. I have spoken to them and requested my original deal but was told that was not possible. Each time I reach out to Select Portfolio Servicing I spend time being passed between agents and more times than not end up getting cut off. 

I am trying to do the right thing but they seem incapable of handling my situation. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation