BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
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: Information belongs to someone else

Complaint:
I was trying to buy my wife a car today XX/XX/20 but when they ran my credit to see if I qualified for the loan, I was told that I was not approved because there are three accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I looked at my credit report myself and there were accounts from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I never opened. I don't know who is responsible for these accounts or why they're on my credit report but I did not benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards them. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.

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 2020-11-13
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
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 have submitted multiple disputes via Certified Mail since XX/XX/XXXX requesting XXXX  ( as well as the other Credit Reporting Bureaus ) to verify incorrect late payments showing on four of my accounts. They have failed to provide me Verifiable Proof in which I have repeatedly asked for per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide me with the method of verification as required under FCRA Section 611 ( a ) ( 7 ). My accounts are in good standing and the inaccurate late payment reporting is negatively affecting my credit scores. I have four accounts that show inaccurate late payments and am demanding they be deleted immediately : XXXX_ 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX) & 60 day late (XX/XX/XXXX ) * my credit report is showing different months of late payments from all the Credit Bureaus XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) XXXX XXXX_ 30 day late ( XX/XX/XXXX), 60 day late ( XX/XX/XXXX ), 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ) Again this is inaccurate and incorrect reporting and I have yet to receive verifiable proof on the accounts listed. They have had more than enough time to do a proper investigation on the accounts yet they have refused to comply per FCRA rules and regulations.

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 2018-11-01
Company: Experian Information Solutions 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 have submitted multiple disputes via Certified Mail since XX/XX/XXXX requesting XXXX ( as well as the other Credit Reporting Bureaus ) to verify incorrect late payments showing on four of my accounts. They have failed to provide me Verifiable Proof in which I have repeatedly asked for per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide me with the method of verification as required under FCRA Section 611 ( a ) ( 7 ). My accounts are in good standing and the inaccurate late payment reporting is negatively affecting my credit scores. I have four accounts that show inaccurate late payments and am demanding they be deleted immediately : XXXX 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX) XXXX XXXX XXXX   30 day late (XX/XX/XXXX) ( XX/XX/XXXX ) & 60 day late ( XX/XX/XXXX ) * my credit report is showing different months of late payments from all the Credit Bureaus XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) XXXX XXXX_ 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ), 30 day late ( XX/XX/XXXX), 60 day late ( XX/XX/XXXX ) Again this is inaccurate and incorrect reporting and I have yet to receive verifiable proof on the accounts listed. They have had more than enough time to do a proper investigation on the accounts yet they have refused to comply per FCRA rules and regulations.

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 2021-06-24
Company: Experian Information Solutions 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:
XXXX XXXX has been reporting a {$65.00} collection on my credit file for over 5 years. 
I disputed this account 5 times. XXXX sold me a defective phone for {$380.00} dollars Never fixed it. service was bad and I could not use the phone. I paid them in full Even I did not have too. XXXX is damaging my credit file along with Experian and XXXX XXXX not following the fair credit reporting law. I cant refinance my house because Of this collection on my credit file. There two choice I have XXXX to remove this collection I will sue XXXX for defective XXXX XXXX bad service and XXXX will Pay me back for damaging my credit for no valid reason. They owe me money.

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 2019-01-10
Company: AMCOL Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amcol is collecting on a debt for a hospital but is claiming {$4100.00} is owed but the bill from the hospital is for {$2000.00}. It is over a {$2000.00} difference and even with the bill showing the balance, Amcol is still trying to collect the wrong amount. Debtor tried to pay the hospital but it can't accept payment and Amcol refuses to return calls, or investigate the matter. Debtor hired an attorney to resolve the issue, but Amcol refuses to reduce the bill to the correct amount, return phone calls or respond to any correspondence. This is illegal, they can't do this and they are reporting the account on the credit report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019, I was arrested on a XXXX XXXX. During my XXXX my ex boyfriend withdrew {$1100.00} from my bank account. I was released on XX/XX/2019. the  following day I went to my local PNC bank and explained the situation. I was told to file a dispute and my money would be refunded due to him taking my money while i was incarcerated. I provided the proper paperwork to show proof and the bank even printed out a report on how the money was withdrawn while I was XXXX. I filed 3 disputes and as of yet the bank denies returning my funds. I even showed proof on how fraud charges and breaking and entering charges were filed with the local police. I was told I should not have a problem with the money being returned due to having enough proof. As of today, they denied me again and claim it was denied due to merchant history. PNc bank had me running around getting all necessary paperwork for NOTHING. If i gave them enough proof, why am I being denied what I had left in my account before I was XXXX. Video surveillance even shows him Taking the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: JPMORGAN CHASE & CO.
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: Other problem

Complaint:
Logging into my Chase Bank credit card account on XX/XX/2020, I have been presented with a set of agreements that I am being forced to accept in order to access my current and valid account. One of these agreements is a " consent to e-sign ''. I have been given no options to decline or defer acceptance of these agreements. i need to access my account in order to be able to make a payment on time and have agreed to e-statements, so I do not have the information to make the payment on time. Not only is this in bad faith, but I believe that it is illegal to force me to 1 ) consent to e-sign and 2 ) force me in the same session to electronically accept changes to my credit card agreements in order to be able to see my balance or make a payment on my account. In addition, the opt-out for any of these services requires mailing or calling and speaking with an agent. if they can provide an electronic opt-in, they should also be able to provide an electronic opt-out. 

Complaint # 2, the dates on some of these documents are in effect as of XXXX of this year. It is now XXXX and they are just now asking me to accept the terms of agreements which they changed in XXXX. I have logged on to the site multiple times from XXXX to today. They should not be able to retroactively date agreements by almost 3 months and force me to agree to backdated agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Media Collections, Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented a car from XXXX XXXX in XXXX on XX/XX/XXXX to XX/XX/2018. The cost quoted for the rental ( Confirmation # XXXX XXXX was {$180.00}. In the evening of XX/XX/XXXX, the engine of the car began to have issues and broke down. I called XXXX and on the phone they said they would cover the cost for the tow of the vehicle and for my Taxi to XXXX ( but instructed me to pay only for the taxi and submit for reimbursement ) and that they would provide a new car in XXXX. I did all of this. Upon returning back to the USA I noticed a charge in the amount of {$850.00} of which there was a XXXX Euro " Customer Road Assistance Charge '' which I not only did not authorize but also was explicitly told would be covered by XXXX. I also have comprehensive rental car insurance through my XXXX credit card but did not submit to XXXX for this cost as XXXX said they would cover the costs. In XX/XX/XXXX, I contacted XXXX XXXX by phone and by email to ask that this over charge be removed ( XXXX Customer Care Case # XXXX ). I was told " branch management '' would review but I never heard back despite emailing again to follow-up. So I then disputed the transaction with my credit card. I submitted my documentation to XXXX for the disputed amount of {$660.00} ( the difference between my reservation quote and the disputed charge ). XXXX XXXX submitted their documentation and in XX/XX/XXXX XXXX sided with my claim that the charge was fraudulent and reversed the extra {$660.00} charge and closed the dispute ( I have the communication from XXXX if needed ). In XX/XX/XXXX, I was sent a communication from XXXX, XXXX, and XXXX XXXX XXXX ( XXXX, OH ) that " XXXX/XXXX XXXX XXXX '' has requested that they collect from me an amount of {$590.00}. In early XX/XX/XXXX, I filled out the online XXXX Account Dispute for XXXX, XXXX, and XXXX that this charge is not valid. by XX/XX/XXXX, I had not heard a response so that day I sent a certified, signature required letter that the debt be validated and that the overcharge be disputed ( XXXX File # XXXX for client # 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 2020-11-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
LOWES CREDIT CARD/SYNCHRONY BANK HAD REQUESTED AND CONVINCED ME INTO AUTOPAY METHOD OF PAYMENT, SINCE I DO TRAVELLING KIND OF JOB AND, SOMETIMES OCCURS THAT I DO NOT RECIEVE MY STATEMENTS. 
I NOTED AN UNENDING/UNRESOLVED CONTINUED PAYMENTS FROM THE COMPANY, EVEN THOUGH AUTO PAYMENTS WERE MADE DIRECTLY FROM MY BANK ACCOUNT - XXXX  XXXX XXXX. I CALLED THE COMPANY, AS I WAS VERY MUCH CONCERNED AND TROUBLED THAT A SMALL AMOUNT REMAINING OR OWED COULD LAST FOREVER. 
I DISCUSSED WITH A FEMALE CUSTOMER SEEVICES, RELAYED MY CONCERN/PROBLEM. SHE TOLD ME THAT, BACK IN 2008, AN INTREST FEE WAS APPLIED TO MY ACCOUNT, AND THAT WAS WHY MY PAYMENT GOT EXTENDED. I INFORMED THE COMPANIES REPRENTATIVE THAT I HAVE AN AUTO PAYMENTS ARRANGEMENTS, AND I DID NEVER GOT REMINDER LETTER OR AN ALERT TO NOTIFY ME OF THE PROGRAM ENDING SOON. I WAS NOT MADE AWARE OF THE ABOVE PROBLEM, AND WAS CHARGED INCREASED RATE, ON A SMALL AMOUNT THAT I COULD HAVE PAID OFF.

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 2018-11-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed a negative account from SYNCB WALMART on my credit report for {$4300.00}. I sent SYNCB Walmart a debt validation request letter on XX/XX/18, which they received on XX/XX/18 @ XXXX. They have chosen to Not respond & it has been over 30 days. This is not a valid debt & should be removed from ALL credit bureaus.

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 2017-06-21
Company: Synovus Bank
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For like the fifth ( or sixth? or maybe tenth ) time now, a late fee has been assessed after my bank initiated an electronic bill pay on or before the due date. As is now the case, Bank Bill Pay or mailing a payment are the only methods available to pay the bill, as bill pay outlets ( That XXXX XXXX says is a payment option ) can not find " XXXX XXXX '' or " XXXX XXXX '' in the XXXX XXXX or XXXX XXXX, and eCheck drafting on XXXX XXXX ' website has since been removed long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I disputed the inaccurate date of deliquency with Experian and this company responded on XX/XX/XXXX with no correction of the information provided to the credit bureau. I have emails stating the first date of deliquency for loans sequence XXXX was XX/XX/XXXX and XX/XX/XXXX prior to me filing a Chapter XXXX bankruptcy in which these loans were included. I spoke to the company and they stated they sent a request to the owner of the loans and hadn't received a response however XXXX still reported inaccurate information to Experian that is negatively and inaccurately reporting on my credit report. XXXX also sent me information on XX/XX/XXXX showing the current loan status for each loan and it states " claim paid '' but this is not what is showing on my credit report as of date. These loans are beyond the 7 year reporting period, no payments have ever been made by me for any loan. I dont have a contract with XXXX and never have held a contract with them regarding these loans. My credit report payment history legend is incomplete and missing payment data.

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 2018-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Other problem

Complaint:
XX/XX/XXXX I disputed {$2500.00} in charges from XXXX XXXX. to Capital One. 
XX/XX/XXXX I called them and they said they were working on it. 
XX/XX/XXXX Called again. Got the same answer. 
XX/XX/XXXX Called again. Got the same answer. 
XX/XX/XXXX paid off the account and closed it. 
XX/XX/XXXX they put {$2500.00} credit on my closed account and never informed me. They sent a check that my wife thought was the XXXX settlement. She paid off another Credit card. 
Now they are sending me statements for the XXXX at 25 % interest. I've asked them to work with me by at least lowering the rate. They say they can't. I don't think they should be allowed to put funds into a closed credit card account. 
Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT.XXXX  I don't have that credit card anymore. I know it ends with the # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can not access my account even though I have written down my username and password. When I use the Experian website to " self-serve '' to reset access, they bounce me to a screen that says I must call them ( prior to XXXX E.T. ) When I call the number it tells me to self-serve on their website. 

This is an infinite loop. Nothing I say on their phone service gets me access to a representative. It repeatedly hangs up on me when I ask for " help '' " representative '' or " customer service ''. 

My credit info is completely inaccessible to me. The company is holding my information XXXX at this point. They provide no way to actually talk to a human for assistance, even though they refer me to a phone number and tell me I can not self-serve.

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 2023-04-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am trying to update my personal information because this inaccurate information is affecting my credit profile negatively. I would like to get this resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Experian Information Solutions Inc.
State: PA
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 been a victim of identity theft. I filed a police report and submitted information to Experian but they have failed to remove the false 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 2021-01-20
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received an email from Jefferson Capital Systems , LLC. mentioning that they have important information about my account. However, when I viewed my credit report, I do not have any collections on either my XXXX  and XXXX  reports. I called the number provided and they immediately asked me for my " reference number '' but I was not given one, and they also asked for my Social Security Number. I just hung up the phone and did not want to deal with that. The email they sent me was from XXXX, and their own website states that they use that email for outgoing emails. 

I am not aware of any debt outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: KBHS Home Loans, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am reporting XXXX XXXX XXXX XXXX XXXX, Mortgage Loan Originator for false and deceptive practices and for harassment. XXXX has emailed and called me multiple times stating that he needs documents from me to complete a mortgage loan application of which I never applied to or agreed. XXXX and/or his team members emailed and left voicemails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting financial documents. I notified XXXX via email on XX/XX/XXXX to stop contacting me because I am getting a loan with XXXX XXXX XXXX He and his team continues to contact me requesting documents in order for my loan to be approved after my written request. I am getting harassed by XXXX. He is not respecting my request to stop contacting me to complete a loan mortgage application.

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