BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: COMMERCE BANK
State: IL
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:
Commerce Bank lowered my credit limit thereby causing my credit score to drop & hurt my credit during COVID time. I have had perfect on-time payment with them, and all other lenders. No missed payment ever, no red accounts on the credit report ever, yet Commerce Bank decided its okay to hurt someone's credit in times of hardship. No other bank has done this, in fact other lenders reduced my APR to help in these hard times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a medical bill with University of XXXX XXXX XXXX. First they did not correctly bill both of my insurances. I am not sure they have to this date. Second, I notified them I qualify for financial assistance under the IRS Section 501 and sent my income information to the business office. They turned this over to a collection agency GLA collection. I sent the same notifications to both XXXX XXXX XXXX and GLA on multiple occasions and they have reported this on my credit. Damaging my credit. Despite my repeated letters they have not attempted to resolve this. I gave them permission to speak to my mother in law XXXX XXXX. They never contacted her about this ( I am in XXXX and work ). They have been sent cease and desist letters but continue. The hospital has failed to process my financial assistance as required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Real Time Group, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not aware of this debt until a credit report was ran in order to get a mortgage. I have never received a phone call or mail about this debt. I called the company and when they asked for my information phone number, etc. they stated that was the phone number they had on file, but that in their system it was marked as disconnected. I have had the same phone number for over 10 years. I was not able to verify what the debt was for. I asked to speak with a manger to get more information And resolve this matter if possible and was told that they dont do that and if I wanted to file a dispute it would have to be through email. 
I have NOT received any communication from Real Time Resolutions until I called them about this. My credit report is showing over a year+ of late payments to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a chase checking and savings account on XX/XX/20. A couple days later I deposited a {$1000.00} check that my husband wrote me. You then locked access to all my accounts. I tried several times to talk with someone about why my acct was locked and I had no access to the funds i deposited. 

Fast forward a few week and I finally got someone who told me me my acct was closed without explanation or contact from Chase. They told me my funds would be mailed to me in 7-10 days. 

After waiting a few weeks and on funds - i tried calling again. After several attempts, disconnections, and transfers I finally got to someone who assured me the funds would be sent to me in 7-10 days. 

It has now been over 2 weeks from the last phone call and I still don't have the {$1000.00} i deposited in the acct in early XXXX. I have spent about 9 hours of phone calls and work on this account - only to have my money tied up and not being able to use it for my bills. This 9 hours is not an exaggeration. 

I have long talked to people about how great chase is, but this is the worst banking experience i have ever had. 

I do not know my acct # as i was immediately locked out of my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
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: Information belongs to someone else

Complaint:
ALL FTC VIOLATIONS ATTACHED print XXXX  Your Report Potentially Negative show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute 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 2019-07-13
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was purchased by collection agency from XXXX. This loan was in a Chapter XXXX payment plan effective XX/XX/XXXX through a dismissal XX/XX/XXXX and ultimate close date on bankruptcy XX/XX/XXXX, AO through Trustee to roll in past due amount in bankruptcy plan in mid XXXX, repo in XX/XX/XXXX and then sold at auction. The balance is not correct, the dates being reported to CRA are also inaccurate. I have never been in contact or received communication from DeVille Asset Management prior to this being on my credit reports. This collection company, DeVille Asset Management has been in trouble with the SEC and was shut down thus they have a federal case pending. They are in a great deal of trouble that invoIlves fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
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: Information belongs to someone else

Complaint:
There are 2 medical bills that are on all 3 of my credit bureaus that are not mine. I noticed the bills this weekend on XX/XX/2018. I was referred to the Consumer Financial Protecon Bureau and demand you to delete this misleading information in order that it show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

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 2018-02-02
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
I purchased a new vehicle from XXXX XXXX in Michigan where the salesperson fraudulently had me " robo '' sign documents, which I signed and the figures were later changed. The initial lender was XXXX XXXX and it was transferred to Ally Financial. When I turned the vehicle in, the balance was and had always been paid in full, except when Ally refused to address the fraud at the start of the loan. The Car had some damage, which was paid for in full by my Automobile Insurance Company, XXXX, to Ally but they are still reporting a negative account on my 3 Credit Bureau 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 2019-07-13
Company: Commonwealth Financial Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I submitted a dispute via XXXX XXXX in regards to an account that had been opened that I was not responsible for : CMNWLTH FIN - XXXX XXXX of XXXX - opened on XXXX XXXX XXXX in the amount of {XXXX}. I moved from XXXXXXXX XXXX  to XXXX XXXX, XXXX in XX/XX/XXXX, of which I was and still am able to prove. On XX/XX/XXXX the investigation was completed and the result was in my favor : XXXX deleted the account on record from my credit report. I went online today to see about what I can do to build my credit and I noticed that a new account has been added in the amount of {$1000.00} so I opened it to see into the details of the account and sure enough it is the same account, except now it's through a *different collection agency and has a **new open date : XXXX XXXX XXXX XXXX XXXX XXXX of XXXX - **opened XXXX XX/XX/XXXX in the amount of {$1000.00}. It is my understanding that this practice is called Re-aging / Re-insertion and is illegal. I have opened a dispute with XXXX XXXX for a 2nd time and I will follow through on that end, but I want to pursue all avenues to clear my name and record and hold these agencies responsible for the negative impact to my Credit Report & Score in addition to the likelihood that I'm not the only victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: KEYCORP
State: NY
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 tried disputing a transaction that I have made which was a total of {$54.00} purchase which was the date of XX/XX/2020 at XXXX. The Name of the company is XXXX. 

another thing is unemployment had put in my money for the month of XX/XX/XXXX and the money was never on my card and i called XXXX and they never answered the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
State: ID
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13
Company: Paypal Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving phone calls since at least XX/XX/2019 from an automated system that says they are from PayPal. There has never been any voicemails left or any type of communication via the mail or email. They are apparently trying to collect a debt in the range of {$7000.00}. I do not owe PayPal any money and the entire scenario makes no sense at all. I am unaware how a person would be able to get in debt considering that a person can only use whatever amount they have in their PayPal account. If there is no money, then no purchases or payments will be processed! I blocked the number, XXXX, because they call throughout the entire day, starting at XXXX EST up until XXXX EST. Also, PayPal is all automated and website based, so it is almost impossible to actually speak to a real person! I am being harassed constantly and it has been going on for months! This needs to end!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Approximately three years ago, XXXX XXXX in XXXX KY treated me for XXXX XXXX. They subsequently sent me an erroneous bill because they used improper coding and date documentation according to my insurance company. I made multiple attempts to inform both my insurance company and this provider my insurance status. 

The billing staff at the provider did not cooperate such that my insurance company would pay the amount due. I do not owe the stated amount and in fact was not treated on the dates shown by them. 

I wrote to XXXX XXXX on XX/XX/2019 and subsequently spoke to a collections agent about the situation. They have refused to consider my side of the story. 

Experian has also failed to consider my multiple error reports or even contact me to inquire about the material facts in this case.

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 2018-04-16
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, I have been contacting them now for almost a month. they said i am not late and that my payments would start in XX/XX/2018. But they still have the late fee notice of my account. i have since then tried other options as far as uploading forms and forbearance i have with another lender. still no response at all. I feel like they do not want to work with me or answer any of my response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
I have tried to work with Equifax for over two weeks to no avail. This all began when my credit report was frozen. When I went online on XX/XX/XXXX to unfreeze it automatically. I was directed to call their phone number. The automated system was unable to unfreeze my credit and the Equifax employee was unable to verify my information. I was then directed to fax them a request to unfreeze my credit and was told to include 2 government IDs ( I included my DL and Passport ). I stated my current address, who I am, my social, listed the security freeze department as the recipient and everything else they requested. The fax was sent on XX/XX/XXXX. On XX/XX/XXXX I called to ensure that my fax was processed. I was told that they could not verify if it has been or not. So I sent the same fax a second time the same day. On Monday I called again and was told the same thing. I also called the security freeze department and they were unable to verify my identity, I was told to call my credit card provider to ensure that Equifax is being sent my information. Today XX/XX/XXXX I called XXXX XX/XX/XXXX who confirmed that for the past four years they have been sending Equifax my credit information and payment history and it has last been sent on XX/XX/XXXX. Today XX/XX/XXXX I called XXXX ( the security freeze department ) and I was directed to call XXXX. For 35 minutes I worked with the agent to get my credit unfrozen. I was surprised to find the Equifax does not have a file on me. And because of that, they can not begin an investigation into why they can not find the faxes I have sent them. I have verified with four different employees that the fax number I faxed to is correct. I am now being directed to send tracked mail to Equifax but I do not believe that this will resolve my problem. I am reading out to the CFPB because Equifax has treated me poorly and has not made any effort to get me my credit report or unfreeze my credit. The other two credit bureau 's are able to provide credit reports and freeze and unfreeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This is regarding my fund transfer to my XXXX account in XXXX with XXXX XXXX. In order to activate my dormant XXXX   account, I transferred {$1000.00} from my XXXX XXXX account to the XXXX   account through " Remitly '' on XX/XX/XXXX. After few days I got a confirmation from Remitly that the fund transfer was completed but I did not see the funds in my bank account in XXXX. I talked to the customer care team of XXXX XXXX XXXX but they told me that they never received the funds as the account was in dormant status. I also checked with my XXXX XXXX   account used for my Remitly transfer and they said that from their side the amount has been debited and I need to check with Remitly on where the funds are stuck. I have already followed up with Remitly customer care ( over live chat ) twice but the issue is still not resolved. I need your help for the matter to be sorted out as I am being treated like a football and being kicked around. Remitly ref # for the transaction is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXXBank of America has overdrawn my checking/savings for {$800000.00} Made call to bank was told to go to bank. Bank closest to my home is closed from pandemic. For health reasons I can not travel further away.

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 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is the XXXX complaint about the credit bureau I am having hard time with experian report there's a free things reporting to the credit bureau and they refuse to remove it the only thing should be in m y credit report should b e my loan for my car payment XXXX XXXX co l Account # XXXX Address is XXXX XXXX XXXX XXXX, fl XXXX -- -- - this is not my account i never open a XXXX account please i asked them for proove nover was sent to me its been XXXX. 

XXXX XXXX XXXX c Account XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone # XXXX XXXX XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Amount {$760.00} XXXX XXXX was deleted from XXXX & Transunion which i sent a copy of the letter i received from the company XXXX XXXX XXXX still not removing this from my account XXXX XXXX XXXX XXXX the all one company different name i recieved letter from them account was delete but the credit bureau never remove them.

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 2019-07-13
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
There is an old debt from XX/XX/2011 that XXXX and XXXX, XXXX. ( XXXX. XXXX XXXX XXXX, MN XXXX ) had filed and sued me in another State without my knowledge to complaint. The debt is too old for law to allow for any sued to be done now. They constantly send people to my ex-wife 's house or call my number or my ex-wife 's house threatening with wage garnishment or collections. I have had nemours conversation with them to stop harassing my kids and my ex-wife but the harassment continues. I just want the daily calls to my family to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
hello and to whom this may concern. 

hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, New York XXXX. 
SSN:XXXX and i have contacted transunion countless times and the creditor and cant seem to have them remove these inquiries off my report, its a cat and mouse game as they keep telling me to call one another back and im sick of it! being a XXXX survivor and loosing half of my XXXX i feel like i have enough stress in my life than some simple inquiry removal which is part of transunion 's " inquiry issue '' which i have been a victim of!!! transunion customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the inquiries below which are part of the " inquiry issue '' that i am a victim of that had happened at transunion. i am hoping you can guys can help me out here! look foward from hearing from you guys thank you!! here are the inquiries as follow! 

XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/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 2019-07-13
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
New Account with negative remark on my credit score that I have never heard of.

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 2020-11-12
Company: Commonwealth Financial Systems, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an email from XXXX  saying that I had an alert on my credit report on XX/XX/2020. I checked my credit report and it said Commonwealth Financial was trying to collect a debt of {$520.00} and I had a derogatory account. I have received no phone calls, emails or anything about this debt? I dont think it is mine. Im not sure how to get ahold of the company and if this is fraud or not. I dont have any debt for that amount. This is a false debt and I would like to clear this up.

Company response to consumer: Closed with explanation