BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
sent ftc to experian with all the non accounts that were not mine XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute

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 2018-09-19
Company: National Collection Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NTL Credit MGMT submitted a balance that I owe to XXXX XXXX XXXX XXXX to show on all three of my credit reports. I never received a letter from them before they through this on my report. I only received a letter from XXXX XXXX at XXXX. XXXX XXXX, XXXX XXXX, MA XXXX. XXXX XXXX informed me via mail to reach out to the University for payment arrangements. I did in fact sent the university a letter stating that I wanted to make payment arrangements with them. I sent a letter to XXXX XXXX as well as the university. I received a letter from the university stating that it was sent to collection after the NTL Credit had already put this on my credit. I tried reaching out to NTL Credit to see why I never received a letter from them. They stated that they sent a letter and that they called two phone numbers, one of the phone numbers was a phone number that I had back in XXXX so the university would not have had that number since I took classes in XXXX. I use my cell phone for every contact number that I have had for over 10 years. NTL Credit gave my cell phone as the last number that they tried to call. I have never received any calls from them at all. Otherwise, I would have requested that they send me documentation in writing. I am also signed up for informed delivery and I can go back to all of the mail that was sent to me all the way to XXXX to prove that I have never received anything from them. I would have liked the opportunity to work this out with them before they put this on my credit and when I called, I was told it was against the law for them to take it off of my credit and if I did not pay it was going to be worse for me later on. I want this issue resolved without the threats and I would like the opportunity to dispute and/or get a breakdown of what the charges are for as I was never offered this in the beginning. I was communicating with one credit collection agency while this dept was sitting with another one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Rozlin Financial Group, Inc.
State: SC
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: Investigation took more than 30 days

Complaint:
Car was repossessed and sold at auction. The original debt is 6yrs 4 months old and they reached it to 4 yrs .Balance on one credit report shows paid the other is reporting original debt. I have submitted several verification of debt and request for inaccuracies to be corrected or deleted to both creditor and all credit bureaus. Its deleted off one and remains inaccurate on others. Neither the creditor or credit bureaus have taken my phone calls or letters seriously and has caused severe damage to my credit. When I have tried to point out inaccuracies and request my right for accurate data or deletion as my consumer rights provide me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
InComm Financial Services , Inc. denied my transaction and kept the money. InComm gives the runaround and no one has answers while they deny being responsible. Attempted a purchase on XX/XX/2020 From XXXX XXXX which InComm Financial denied. However, InComm Financial kept the money {$50.00} instead of returning it to the card. I have proof of the denial and that InComm has kept the money. They have a fake customer service that offers no solutions and have taken no action to resolve my complaint or document my complaint. Could be located at : XXXX XXXX XXXX XXXX XXXX, GA XXXX http : //www.incomm.com ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took a phone out with XX/XX/XXXX, paid the phone off completely months early and got the phone unlocked. I made sure that I had no balance left. Months laters after receiving no notice I had a collection account from SOUTHWEST CREDIT SYSTEM saying I owed XX/XX/XXXX {$85.00}. I called XXXX and they said I did pay off the phone and got it unlocked but I had another bill of {$85.00} due because I wasn't charge for last month when I paid the phone off and got it unlocked. The rep I spoke with when I paid the phone off never told me this but anyway I paid it and they said the collection would be removed and it still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I will apply my legal options to sue XXXX XXXX for false advertisement and taking advantage as I am a XXXX woman and discrimination due to my race as XXXX XXXX. 
XXXX XXXX advertise Earn Rewards* Every Time You Shop. You will get {$10.00} Rewards* for every 400 points earned at all XXXX XXXX. {$1.00} spent = 2 points earned. 
I spent {$270.00} out of {$500.00} which XXXX miscalculated I have {$100.00} left. I used my XXXX XXXX card one time for purchase {$220.00} however when I called them the account manager was so rude malicious and discourteous, that he refused to investigate the issue. 
The receipt I am providing, attached will demonstrate that the shipment was spilt up the points I earned and the amount calculated with shipping cost {$15.00} : {$84.00} which I earned XXXX points {$82.00} which I earned XXXX points {$59.00} which I earned no points As you review the transactions of the order receipt ( See Attached ) : Order Number : XXXX its a breakdown of the products I purchased by XXXX XXXX customer service which demonstrates that I purchased : {$82.00} I ordered boots {$82.00} I ordered Fragrance and Perfume {$59.00} I ordered a reef for my door and black leggings The shipping cost for all these products purchased was {$15.00} which gives a grand total the purchases I ordered {$220.00} However, when you review the credit card account activity that XXXX XXXX break down of what I purchased. XXXX XXXX   input as the transactions Bath products which I never ordered any bath products at all. Someone at XXXX XXXX credit department input the activity with the wrong transactions and falsified what I purchased, I never ordered any bath products. 
Please review attached ( See Attached ) XXXX XXXX input false transactions on what I purchased on my XXXX XXXX credit card activity I & II XXXX XXXX must have competent employees to input the correct transactions I purchased which I never purchased any bath products and correct the rewards program. 


The rewards program XXXX XXXX states that I earned XXXX points ( see Attached ).  Then as I look further in the website XXXX XXXX states that I earned XXXX points, this is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold from XXXX XXXX to PennyMac. When the loan was sold, my escrow account information was inaccurate, leading to me owing over XXXX more per month. The issue took 3 and a half weeks to resolve, and was just resolved after 11 phone calls and a supervisor from XXXXXXXX XXXX calling them and emailing them for weeks. 

On multiple instances, the error in documentation was found ( multiple errors ) from emails that XXXX XXXX sent to Pennymac, and it turns out they had the wrong persons account information under my escrow account. They refused to acknowledge the mistake, no matter how many times we noted the mistake and told them to correct it. They also did not respond to any emails ( 8 automatic replies 3 weeks later ) and never sent me any documentation of any sort about the changes/ decisions that were made. Each time when I called, I received different information about how to respond, who to go to, and timeframe for response. I was also told they would not change the amount owed, even though it was different from my closing disclosure. Eventually, I just needed to be on the phone for two hours and demand they fix it immediately, which led me to a supervisor who was able to correct the error. 

Very, very disappointed in the company, they clearly do not know how to resolve issues, nor have an interest in resolving issues. My advice to anyone is ask for a supervisor immediately and demand that the issue be resolved while on the phone, otherwise follow-up will not occur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-06
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My issue is with the late fees charged on the account. I've had automatic payment on this account since day one. The payment is debited from my checking account and applied to the loan. Apparently some months ago one payment was returned and I didn't realize it. I hardly ever log in online to check this account since my payments are done automatically. The day I log in to obtain information about the loan since I was thinking of refinancing it, I noticed that a payment was due and I made my payment. On XX/XX/XXXX I sent an email to Ally asking to see if any fees could be refunded because I saw that an amount of {$490.00} was due in late fees only. I get a response on XX/XX/XXXX and it asks me to call them because due to the nature of my request they need to speak with me by phone. I call them on XX/XX/XXXX and the person who assisted me said he couldn't do anything for me. I replied back to the email online and ask them why had they asked me to call if they were not going to be able to assist, they could have just said that they were not going to assist on their email response. Based on that email, they only refunded {$29.00}. If they check my payment history, they'll see that for the past 4 years I have not had any other late payments and I deserve to be refunded more than that if not all.

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 2019-11-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have entered into a debt reduction program. Citizens Bank and XXXX XXXX is calling non-stop ( 8-10 ) times each per day on my cell phone ( XXXX ), my work line ( XXXX ) and now my son 's cell line ( XXXX ). This is addition to the emails, texts and mail notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
on XX/XX/XXXX I submitted a dispute via certified mail to experian noting that inaccurate information was being reported on my credit report. I requested that all information in question be lawfully validated or removed. I received no validation or response. I then submitted a follow up dispute XX/XX/XXXX. Once again I received no validation or response.

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 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 dont have any information other then what was listed on my credit. XX/XX/XXXX I received notification of an account with them that has gone to collections despite not have a open mor delinquent account. I called spoke to a supervisor she said she didnt see any account for me despite this being the third time hearing from me calling to report inaccurate reporting, i said well its here and she asked for me to send copies to email XXXX. The credit report showed an collection origination date of XX/XX/XXXX for balance of {$460.00}. I did showing collection activity and account information plus amount. I called to confirm receipt and was told she did and will forward to main office to investigate and correct because there is no account under my ssn. As of XX/XX/XXXX its still there and the store hung up on me stating maam there is no account nor was one sent to collections because theres nothing to send.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 two unauthorized withdrawals were made on my edd account. Complaint was filed early XXXX. Complaints filed with Bank of America have been unanswered. 

XX/XX/2020 Withdrawal # 1 : - {$500.00} posted Withdrawal # 2 : - {$100.00} posted

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 monetary relief
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed 3 times the following information with the 3 major credit bureaus, XXXX, Equifax and XXXX, to which each failed to comply with Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. Attached you will find supporting documentation for each dispute submitted to each credit bureau including tracking numbers from USPS. 

XXXX is currently reporting the following incorrect information :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX XXXX, amount of XXXX. I have disputed this account with all 3 credit reporting agency. I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: WI
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: JPMORGAN CHASE & CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2020 I paid the entire balance on my Chase Visa. After submitting the payment my balance showed {$0.00} balance. I noticed at the end of XX/XX/2020 after my credit score kept dropping that I had a balance of {$6.00} on my card unbeknownst to me. As soon as I found out about the balance it was paid on XX/XX/2020. I have never had ONE late payment ever and for Chase to penalize me to this extent is ridiculous!!!!! My credit score is now XXXX and my balance has been reduced to {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Premier Student Loan Center
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I saw an ad on a social media site stating " Loan Forgiveness Program '', I was interested because I have loans that I needed to consolidate, so I ended up calling the number XXXX, someone answered right away asking me how many loans I had, for my social and all my information, he put me on hold for 5 minutes claiming he was speaking with his manager in order to get me the loan forgiveness plan & explaining to me that I would have to pay anything after me paying them. I gave them my debit card information and they charged me a total of {$790.00}. According to the person on the phone, he said the payment went through, and that from there forward I would n't have to worry about any more payments, therefore, my school loans were at {$0.00} balance. I also have documentation where they said I signed which I never did, use a cursive font in order to make it seem as I signed. One year later I now recieved a letter for Federal Student Aid stating I had to start paying my student loans. I thought this must be a mistake because I already " consolidated '' my loans why would I have to continue to pay anything anymore? I called the Federal Student Aid and to my surprise, all they did was take my information and pretend to be me and have my loans in deferment. I also tried to log-in to the Federal Student Aid website in order to proceed with the Income driven re-payment plan and they had used my information, created an email address I have never used, also use a California address and phone number all associated with this account. I have lived my XXXX years of my life in Florida. Why would I use any contact information in California? These people have scammed me out of my money for in their words " documentation preparations '', which I could have done personally for FREE. XXXX XXXX XXXX XXXX http : //premierstudentloancenter.com/

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital One Bank is reporting an old account on my credit file incorrectly across the 3 credit bureaus. This inaccurate reporting is very damaging to my credit report.

the account is being reporting different to each bureau - EACH BUREAU HAS INACCURATE REPORTING BY CAPITAL ONE BANK ( SEE ATTACHMENT ) XXXX XXXX - 17 late payment reporting including 6 months of being reported as CO XXXX  XXXX - 5 late payments, ON TIME payments for XXXX and the account was charged off ( SEE ATTACHMENT ) XXXX  XXXX - NO DATA Capital One is reporting this account different to each bureau ( SEE ATTACHMENT ) to XXXX  they report 30-120 day lates from XX/XX/2017 to XX/XX/2017. From XXXX XXXX XXXX they are reporting CO. To XXXX  they are reporting that i was paying on time. XXXX has no data. 

this inaccurate reporting has been going on for years, under the FCRA I'm entitled to fair and accurate reporting to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
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: Account status incorrect

Complaint:
XXXX XXXX XXXX  has been closed since XXXX. But now they are reporting late payments to my credit report. Tjis is going against the fair credit act, and i want this account removed from my credit report immediately.

Company response to consumer: Closed with explanation