BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-21
Company: PRESTIGE FINANCIAL SERVICES INC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
We chose to voluntarily surrender our vehicle and contacted Prestige numerous times throughout XX/XX/2020. They refused over and over to accept the surrender. We forced the surrender on XX/XX/2020 and sent Prestige a certified letter stating our intention as well as left a copy of the letter in the vehicle that we surrendered. As of XX/XX/2020, our account was current. We did not have any late payments prior to the surrender of our vehicle. Prestige continues to post inaccurate information on both XXXX and XXXX XXXX XXXX credit reports. Prestige claims late payments on the credit reports, which is inaccurate as we surrendered the vehicle and ending our contract on XX/XX/2020. They are currently posting that the account is open, incorrect amounts due with late payments, both of which are inaccurate. We have disputed them numerous times and have given them chance to correct the information. They have refused to do so, continuing to make incorrect claims on our credit reports. As of XX/XX/2020, we have not been given notice of the sale of this vehicle and a final balance and Prestige continues to manufacture information and fraudulently report on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX, OHIO XXXX XXXX XXXX # XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted 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 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines XXXX please remove the following account they are not accurate : XXXX/XXXX # XXXX****, XXXX XXXX # XXXX****,  XXXX/XXXX # XXXX****, OHIO XXXX XXXX XXXX # XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted 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 2020-11-24
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Transworld Systems Inc a letter on XX/XX/XXXX, to the address reported on my credit report. That mail was returned to me. I don't know who they are or why they are on my credit, and now I can not request validation of the debt pursuant to the FDCPA. They have reported incorrect information on my credit report, substantially in the form of THEIR OWN ADDRESS! They are required by law to report 100 % factual information, can they be trusted to do this when they can not even update the credit bureaus with their own address?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions 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:
The XXXX XXXX ( Account number ( XXXX ) on my file was discharged in my bankruptcy in XX/XX/2013. It is incorrectly recorded on my bureau as a " charge off '' instead of " included in bankruptcy ''. I disputed this with the bureaus and they left it on my file as it was. This is a violation of federal law. I have included my bankruptcy paperwork showing the XXXX debt.

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 2020-11-21
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
I noticed a {$95.00} annual fee on my American Express card. I used the online chat feature to address the issue. They said it is the annual fee for my card level. When I first got the got years ago, I specifically got it because it had no annual fee. While they will not admit it, they upgraded my card and started charging this annual fee without my consent. They said they will downgrade my card to the no annual fee version and will prorate the {$95.00} annual fee on my next statement. But I want to register this complaint anyway ... credit card companies should not be " upgrading '' consumers accounts and charging extra fees without their consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX veteran who is tax deferred on property tax. I obtained a mortgage in XXXX. 2016, 7 months later a letter from Wells Fargo states that my new payment will be XXXX instead of XXXX due to a shortage in my escrow. I called and they said they paid my taxes of XXXX and I told them I am tax deferred and they made a mistake. They say they cant change back to my original payment until they get their money back from the town of XXXX XXXX, NJ. XXXX and XXXX they let me pay my XXXX over the phone now they wont, but they put a extension until XXXX XXXX to pay the XXXX. The town is working to give back the bank its money but they have to go threw a process which takes time. So why am I being burdened for their incompetence?

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 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Contacted by letter XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX to verify debt. Did not receive response. I received a bill is all. Letter was sent on XX/XX/2020. 

On XX/XX/2020 I sent all 3 bureaus a Debt verification letter. XXXX removed these accounts after investigating. 

Trans Union Removed XXXX. 

XXXX did what they were supposed to do. They deleted Unverified account. 

XXXX, XXXX and XXXX XXXX XXXX verified the debt with XXXX when they were being disputed by me in writing of the debt. Which they never responded to me ever. They can not verify a debt with the credit bureaus if I am disputing it with them. 

XXXX initially removed XXXX XXXX XXXX XXXX for failure to respond in 30 days to their request. Then re added the account later saying it was verified. At this time I still have not received verification from XXXX. 

XX/XX/2020 I sent a letter to XXXX and Trans Union explaining I sent debt verification letters to XXXX and XXXX XXXX and had not received and the account should be deleted. 

XX/XX/2020 sent a letter to XXXX and Trans Union that added that I had been disputing XXXX XXXX XXXX for 3 months and Comments section did not reflect this and needed deleted. I mentioned they were using e Oscar to do the verification and they needed to delete. 

XX/XX/2020. Sent letter to XXXX about XXXX that I had been disputing this for 3 months. I mentioned that the comments did not reflect this. I asked for deletion. 

XX/XX/2020 I sent a letter to Trans Union about XXXX XXXX XXXX that I had been disputing this account 3 months. I said the comments do not reflect this. I mentioned e Oscar was being used. To delete this account. 

XX/XX/2020 I tried to dispute online these accounts and it says I can not dispute them anymore because they have been verified. 

All these accounts have not been verified by the creditor and I have yet to receive a response from them. XXXX and Trans Union verified these accounts at the same time I am disputing these accounts with the creditor. XXXX took XXXX off after they did not verify in time then re added after they verified late. XXXX and Trans Union are not reporting all my disputes in the comments section on these accounts. Now I am not allowed to report anymore on these accounts online. These accounts should be deleted due to violations of the FCRA. I have copies of all these letters.

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 2023-07-08
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Roughly one-third of the way past the first of each month, I consistently receive a text message between approximately XXXX XXXX XXXX XXXX XXXX. from XXXX XXXX ( XXXX ) telling me that owe them money for a credit card. These text messages rudely awaken me, disturbing my sleep and have adversely affected my 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 2019-03-12
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/XXXX I called XXXX to ask them to remove 11 inquiries I did not use or request, their customer service told me they will not help me. These are the inquiries I asked XXXX to remove due to no knowledge of them ... 
XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX   inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XX/XX/XXXX I called XXXX to ask them to remove 11 inquiries I did not use or request, their customer service told me they will not help me. These are the inquiries I asked XXXX  to remove due to no knowledge of them ... 
XXXX XXXX XXXX XXXX date XX/XX/XXXX phone number XXXX XXXX   XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX   XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX auto inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX date XX/XX/XXXX phone number XXXX XXXX XXXX  XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX  XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX   XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number 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 2020-09-01
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an account with Simple.com who operates und BBVA USA. They sent a notice through their website, which does not forward to email, phone, text etc. IE NO COMMUNICATION WHATSOEVER unless I log into their portal on XXXX that they would be closing my account on XX/XX/21. I logged in today after late fees, and bounced checks not knowing my account had been closed. They now are telling me they will wait 3 weeks to mail me almost $ XXXX which is my entire funds ( I literally have no other money in any other bank or anywhere ). In the meantime my credit report will be impacted my bills will all be late. My child will lose her spot in daycare because I have no way to pay my daycare bills, and I risk eviction for non payment of rent because I have no way to pay my rent with all of my money being held XXXX by them. 

They have provided no adequate notice of account closure, nor have the/do they have the intent to provide funds in a timely fashion. 

Their response to my call and demand for funds within 24 hours is " theres not much we can do ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent a validation of debt letter and cease and desist to National Credit Systems XXXX times. They scam consumers by changing their address which is different on each credit report multiple times. XXXX XXXX ( attached ) has XXXX address, XXXX and XXXX have another address ( attached ), their website shows a third address ( attached ) and on another listing of theirs it shows a XXXX address. I've sent letters to all XXXX and they refuse service or they come back to me. I also emailed them the letter AGAIN ( evidence attached ) and still nothing. This apartment was a corporate apartment and my previous company stated in writing from their attorney on my separation agreement that they would take over the apartment and costs. I have no actual paperwork from the apartment complex or National Credit Systems showing a debt or how to dispute or anything. I will not pay this until I get that. Until then I have rights under fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a fraudulent account in collections being reported with XXXX XXXX XXXX. I've attempted to dispute this numerous times with the 3 credit reporting bureaus and have had no luck getting the information updated or removed.

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 2019-03-06
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX XXXX ( XXXX ) XXXX contacted me on XX/XX/XXXX stating that my accounts was 95 days over due for an XXXX payment. I've paid on-time and over the minimum balance ( see below ) since XX/XX/XXXX. After inquiring and requesting details, the Customer Service team was confused and couldn't answer the XXXX payment. XXXX  was unable to resolve the issue and I'm concerned this will effect my credit rating. 

XX/XX/XXXX Amount Due : XXXX Paid : XXXX XX/XX/XXXX Amount Due : XXXX Paid : XXXX XX/XX/XXXX Amount Due : XXXX Paid : XXXX XX/XX/XXXX Amount Due : XXXX Paid : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was billed for a broken rental agreement in the amount of XXXX that had been passed to a debt collector in XXXX. They stated I owed XXXX XXXX XXXX the amount above. I was unaware of the transaction and contacted XXXX XXXX XXXX who said they had my information on file for a rental property from XXXX. I informed them i never spoke with them and did not agree to a lease, i was told to contact the debt collector. I then tried to settle the debt paying off XXXX on a payment plan in XXXX and in the mean time informed them of the problem but gave up. I now currently am trying to move and because of the issue i can not rent from any properties. I have recently filed a dispute with transunion, The debt collector, who has suggested i should create a fraud case and provide information to the ftc.gov website.

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 2019-11-10
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I checked my credit score online, and found that a hard inquiry had been made on my credit that I do not recognize. It shows no contact information on who made the inquiry, and I have never applied for a loan, mortgage, or credit card. Since I don't know where the hard inquiry came from, I have no way to contact the company who made the inquiry, and therefore am worried about attempted fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reviewing today XX/XX/XXXX my XXXX XXXX account, I found a collection from Capio Partners claiming {$120.00} from original creditors of XXXX XXXX Hospital. Also, I received a letter from this company Capio Partners dated XX/XX/XXXX about the same claim for a service at the XXXX XXXX Hospital from XX/XX/XXXX. 
I have never been or received any treatment on this Hospital at all. 
Please help to eliminate this collection that is affecting my credit score! 
Thank you very much!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-09
Company: EQUIFAX, 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. I Notice Fraudulent activities, with Fraud Accounts That I did Not Authorize This is Insane and very stressful. I need Assistant to resolve this Matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Checkr, Inc
State: FL
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: Information belongs to someone else

Complaint:
I submitted to a background check however the report is not accurate and is someone else with the same information but that is not me. I have only one license not three.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, INC.
State: LA
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:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX  XXXX - partial account number XXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
Company: CL Holdings LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX account is reported by collection agency without allow me to dispute it following FTC guideline for 60 days statutory period allow by law under Federal Truth In Billing and credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I am currently in the process of buying a house, and I was checking my credit report and I discovered that two companies that are effecting my credit score in a negative way. These companies are Capital One Bank ( credit card )  which I called on XX/XX/2019 and spoke to customer representative XXXX about removing the account or the negative remarks. She refused to do so because she said she can not prove that the account is mine. Afterwards, I attempted to call XXXX XXXX XXXX ( credit card ) but the number that I found which is XXXX was a scam phone number connected to a sweepstakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I have a XXXX account on my file ( XXXX ). I attempted to pay this debt and XXXX refused the money saying they are no longer collecting this debt. I have attached a letter to that effect. It is a violation of federal law to leave a collection balance on my file that I am unable to cure.

Company response to consumer: Closed with explanation