BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: Genesis FS Card Services, Inc.
State: MD
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:
XX/XX/XXXX My credit card account with XXXX XXXX  wrongly marked 30 days late on my credit report. My minimum payment was paid and they confirmed via phone conversation and told me to dispute with credit bureaus and were to remove the late marking. Since than the card company has been transferred to XXXX different banks and is now with XXXX - GENESIS RETAIL who refuses to correct the marking. I have had my account and always pay on time since XXXX. This is the only negative item on my credit profile and I have been trying to remove for years. Genesis has not upheld the agreement the original creditor promised to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my first home XXXX. My payments were set at approximately XXXXmonth. This was with escrow, interest, taxes etc. In XXXX of XXXX The Money Source sent me a letter informing me there was a surplus in my escrow account and they would be fixing this moving forward lowering my monthly payment amount. Within the past week I received a letter stating my escrow account is under funded by approx {$6800.00}. I called to find out the issue and was informed the money source believed I would only pay XXXX/yr in taxes since that is what was paid on the home for XXXX. The only reason that was the amount paid of the home in XXXX to XXXX County was because the previous owner was a XXXX veteran. This was known and calculated upon closing. We even got a appraisal from the county tax clerk before closing to find out what taxes on the property would be moving forward hence why in closing my mortgage was set at approx XXXX/month. The money source changed the agreement without having ever asked any questions about such a large discrepancy. They now was me to pay {$6800.00} within 60 days to bring my monthly mortgage back to where is was supposed to be originally. They provided other options like making half of the sum and my monthly payment would be XXXX/month. The customer support personnel agree this is a massive oversight on their part but ultimately decided its not their fault and they don't see any other options than the ones they gave in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, 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:
filed dispute with reporting agency and reporting agencies sent items back as verified without proper investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: NC
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 have tried numerous times to get these negative items that are inaccurate off of my credit report. I have received no requested responses from Equifax, XXXX, or XXXX! 

XXXX Equifax XXXX XX/XX/2022 Re : Account # XXXX # XXXX # XXXX XXXX XXXX Address is NOT my address ; please remove immediately Dear XXXX Representative : This is a formal complaint about a duplicate collection account appearing on my credit report. This inaccurate reporting is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit. 

Delete the account stated above immediately. It does not belong on my credit report as it is ( 1 ) inaccurate, ( 2 ) duplicate, and ( 3 ) outdated. 

I look forward to a swift and amicable resolution to this matter. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL
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:
After viewing my credit report I noticed that this item is reported inaccurately. The FCRA Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
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:
Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$8000.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately.

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.

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 2023-01-09
Company: EQUIFAX, INC.
State: OK
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: LA
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:
An hard inquiry was made on XXXX XX/XX/2019, from Equifax Mortgage Service that was listed from Miscellanies Reptg. Agencies. I was checking my XXXX XXXX  and I saw under the Equifax section I was hit for something I didnt approved of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scammed for {$4500.00} wire transfer. I called bank to reverse but they couldnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: BMW Financial Services NA, LLC
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 is missing that should be on the report

Complaint:
I purchased 1 car XXXX  for my son used with XXXX miles on it and then a year later I purchased another XXXX exactly the same except for the miles. The first XXXX I paid down more to have less financing the second one was fully financed. I was paying off the one car with my XXXX XXXX account monthly with out an account number. When the other car needed payments I oaid the same way no account number.  BMW was not using the payments toward the other car which caused a 120 late payment which then appered on my credit report. I am asking BMW financial services to remove the 120 late payments. The cars are paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
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:
Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$8100.00}, I requested that I would like some type of verification bearing my signature. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.

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 2020-11-23
Company: Franklin Credit Management Corporation
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a note on my front door on XX/XX/XXXX from Franklin Credit Management Corporation to call regarding a debt. There was no account number provided. The number is XXXX. 

I called and the woman asked me to verify it was me by giving my SSN and I foolishly did so. She said it was for a second mortgage in XXXX. I told her I never had a second mortgage and if this was truly a debt it was no longer cals 14 years later. She told me to make a fraudulent mortgage report with the police because it was real and her attorneys were handling it. She said. Could send them an email requesting all of the supporting documentation and gave me the email address but still no account number. ( XXXX ) I asked if I had taken a second mortgage out in XXXX why had it never shown in my credit report? Ever? Because this was fraud. She hung up. 

I sent an email requesting supporting documentation and if they did not have it to stop calling me. I did not receive anything. 

Today, XX/XX/XXXX, I received a call from the same company, same woman and when I said she and I had this conversation last week she hung up on me. When I call the number back now nobody answers. This needs to be stopped. How many people are falling for this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Credit Karma, LLC
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:
XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
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:
Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$8100.00}, I requested that I would like some type of verification bearing my signature. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.

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 2018-09-25
Company: JPMORGAN CHASE & CO.
State: MO
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:
I contacted an A/C company ( XXXX XXXX XXXX XXXX XXXX ) for repair a few weeks ago. I spoke with them on the phone before they came and they promised they would provide a solution. The technician arrived an hour late and look a brief look at the system. He told me he was not able to fix it and walked away. I had to call another A/C company and they came over and fixed it quickly. 

The first A/C company charged me {$100.00} for the home visit. I felt this is extremely unfair because they did not provide me with any solution as promised while another A/C company fulfilled the job fast. It is very deceitful for the merchant by just collecting home visit fee without doing any real work. 

I contacted Chase for disputing this charge. The rep was not interested in my arguments at all and only said they could not help me with the claim. I felt they did not try to help me, the cardmember, work things out. They just wanted to close the case. This charge is an extremely unfair one to the cardmember and Chase chooses to not to back its customer up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I notified PNC Bank of my mothers death in order that they close her account and forward the funds to me as her eldest child. She was not married at the time of her death. XXXX XXXX XXXX ( my mother ) passed away on XX/XX/20. I notified PNC Bank. I called XXXX voice banking. I entered her social security number and after several prompts I was able To speak to a representative. The female sounded to be in her late twenties. I advised them of aforementioned and what were the next steps to close my mothers account and have the funds distributed to me. I was advised to mail the following documents, certified copy of her death certificate and a copy of my drivers license front and back and to mail to PNC Bank. XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. I mailed these documents certified on XX/XX/20. A week later I called for status a week later as I was told once documents were received it would take XXXX days business days to process. I have called once a week since XX/XX/20 and this is the script. A young female answers the phone ... asks for my mothers social security number, then they say let me place you in a brief hold while I review her account. I am placed on hold for no less than 20 minutes each time for the rep to return to the phone to tell me Absolutely nothing but that once the documents are received and if anything else is needed I would be notified. It is so frustrating and without reproach to give a consumer such a run around abs my time and expense and my mothers checking account and for what reason. To add insult to injury your office can have a person call and you will receive the same scripted response without any assistance. Not only is this frustrating but a waste of my time and efforts to settle my mothers account. Why is PNC bank deliberately refusing to process my documents? Oh, one more thing, PNC added another line to the script asking me if I had a receipt for the certified mailing for the documents I sent. This was on XX/XX/20 at approximately XXXX XXXX  eastern standard time. I called back a 2nd time and on XX/XX/20 and asked for a supervisor ... another young female said the script again placing me on hold this time for 13 minutes and has left with with no other alternative than to file the complaint against PNC Bank and demand that my mothers checking account and funds be released at once without any further delay. Her name as it appears on her checking account is XXXX XXXX XXXX # XXXX. I respectfully seek your assistance involving this matter and the reason PNC Bank is deliberately violating law and rendering poor customer service and I seek sanctions if applicable and my mothers account settled and funds distributed immediately. I attest the above statement is accurate and factual. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Account status incorrect

Complaint:
On XX/XX/2022 I was in the process of correcting my credit report blemishes by paying off past debts I owed to improve my overall credit rating for the future. I contacted XXXX XXXX and was informed that I was in collections for a past due amount of {$680.00} which I paid in full as shown in attachment. On my credit report they are listed as an open account XXXX and debt was settled for lesser amount which is completely false and has an impact on my overall score. This is in violation to my rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: GENTRY FINANCE CORPORATION
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company has contacted my employer several times after being asked repeatedly to stop by my boss. I have also told them to stop contacting my work, and they kept calling. They said today XX/XX/18 the only way to fix that is to come in today and pay this. Or youll be getting sued and were working with an attorney now. I replied that I would go pay then as soon as I could but that I didnt want them to contact my employer again. She said it needs to be paid today or we will. I spoke with XXXX at convienient loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid off because it was in judgement at the XXXX XXXX  Courthouse in the amount of {$1500.00} by my Attorney XXXX XXXX, Escrow Officer from a sell of my Property located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX on XX/XX/XXXX. This debt was place as a judgement ( XXXX  ) at the XXXX XXXX Courthouse by XXXX XXXX XXXX  in erroneous after it was settled through the courts in XX/XX/XXXX. After many calls and attempts to Capital Accounts LLC who brought the debt from XXXX XXXX and XXXX  to have it investigated and removed or updated. It is still showing on my Credit Report. I am now through frustration contacting you all to assist me in having this debt showing in the amount of {$1200.00} removed from my Credit History. Account # XXXX  Paid XX/XX/XXXX to XXXX  County Clerk of Court. Judgement # XXXX  in the amount of {$1500.00} Thanks

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