BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Delete this account i have attached documents..This account is paid off but still reporting a balance ... this is killing my credit score i have tried multiple times to fix this with you and the original creditor and have had nothing happen. Delete this account from my report immediately ... My next step is taking this to a consumer attorney and the state attorney general.

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 2018-10-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello this information doesn't belong to me I never had a XXXX XXXX or XXXX card. please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over 3 hours in phone call time on multiple occasions were made regarding force placed insurance on a new loan transferred to Flagstar bank. Resolution has been promised for several weeks regarding updating an escrow analysis on my account. To date, the payment still reflects monies owed in escrow despite all insurance documents being provided and approved from their insurance department. There is a fundamental lack of communication within Flagstar 's departments which causes confusion and prolonged resolution time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Hello, I hope that you are well and that you had a good weekend. I have a complaint against Google Pay, specifically Google Pay support for misleading advertising and not adequately following up with me. I will provide screenshots of my correspondence with them. After initially running into an issue on XXXX XXXX with their XXXX XXXX XXXX and Cashback offers, I contacted Support and was told that I would receive a payment to my account shortly. After many attempts to contact them, I found that I was unable to get ahold of the representatives and receive updates. In the emails, you will see that I have opened around 5 cases for the same issue and it has been escalated numerous times, to little effect. Usually what happens is I get in contact with them, finally, and then they tell me that they need to consult with some other representative and that they will get back to me within 24-48 hours. Sometimes I would go a week without a response, and when they finally respond, it is another representative telling me to wait another 24-48 hours. This has gone on for two months. They also will not assist me in filing a complaint with their supervisor. I have provided all the required information that they asked for in a timely manner and have been diligent in following up. However, they have not returned that courtesy. So far I was told that someone would contact me again but I have not heard from them within their timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
this letter was sent certified 2 months ago and no response yet? 
they just reported my account as settled which is not correct- Hyundai Motor Finance XXXX customer service XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX XXXX XXXX acct # XXXX To whom it may concern, I would like to file a credit dispute- I agree I have a balance due, however, I do not agree with the bills you sent me.

I actually have only received one itemized bill dated XX/XX/XXXX for {$4600.00}. 

That was reconfirmed during my phone call with your call center and also in the email they sent me on XXXX XXXX XXXX pm. 

I received a second notification ( not a detailed bill ) on XXXX XXXX for {$3700.00}. 

I received another letter dated XXXX XXXX requesting {$2600.00}. 

XXXX XXXX resolution letter- I have been in discussions with your lease end department and was waiting to hear back and to receive a corrected itemized bill which as of today ( XX/XX/XXXX ) I still not have received. 

I just received a notice that you filed a 30 day late payment to the credit bureaus. 

I am in the process of trying to get a mortgage and you just destroyed my credit. 
Please review my taped phone conversations on XX/XX/XXXX and XX/XX/XXXX with your employees. 
I have my notes and intend to seek legal guidance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX 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 2020-12-02
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/XXXX I went to check my credit summary on XXXX XXXX. Their was an alert on there at which point I went to check out. It seems that a new account was opened at XXXX XXXX XXXX in XXXX OH on XX/XX/2018. It was for a total of {$130.00}. I immediately went and sent the bank a registered letter that I did through XXXX XXXX. This was mailed on XX/XX/XXXX and I haven't heard one thing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
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 disputed a XX/XX/XXXX charge for {$140.00} from XXXX XXXX XXXX ( which billed me for verifying my XXXX llisting ) after I learned that my XXXX llisting had already been verified, so XXXX XXXX never performed any service. Bank of America issued a credit. I was told in letters from Bank of America on XX/XX/XXXX and XX/XX/XXXX, " There's nothing you need to do at this time '' and in a letter of XX/XX/XXXX, " No additional action or information is needed from you at this time. '' On XX/XX/XXXX, I received a letter from Bank of America dated XX/XX/XXXX saying that the charge for {$140.00} had been rebilled to my XXXX credit card. I phoned and was told for the very first time to supply documentation to support my dispute of the charge. The representative said that the dispute would be reopened on the basis that no services had ever been provided by XXXX XXXX. As requested, I faxed the documentation that same day, XX/XX/XXXX. Bank of America wrote me that the deadline for supplying information to support my claim had fallen on XX/XX/XXXX, five days before I was first asked to document my claim and that therefore, the dispute was closed and I had to pay the amount in dispute. I had a lawyer write a letter on my behalf, which I resent on XX/XX/XXXX via certified mail ; that letter indicated that I had initiated the dispute in a timely manner and that Federal law did not allow financial institutions to arbitrarily terminate a dispute that had been initiated in at timely manner, in this case noting that I was not asked to document my claim until after the supposed arbitrary deadline ( of which I had not been notified in advance ) had passed. Bank of America wrote on XX/XX/XXXX, " we were unable to determine that a billing error occurred '' and " the notification of your dispute fell outside the timeframes '' and " we're required to work within certain dispute processing rules, which include specific timeframes. '' In short : my dispute is being terminated in an arbitrary manner because Bank of America waited to ask for documentation from me until after the timeframe it later told me ( after the fact ) governs such disputes. This is Bank of America 's fault, not mine ; I would happily have provided the documentation in XX/XX/XXXX but was not asked until XX/XX/XXXX to provide the documentation in question.

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 2020-12-02
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the first week of XX/XX/2020, I contacted Quicken Loans in order to start a refinancing of my house with a cash out option of {$230000.00}. I provided all information asked of me including personal and business bank statements which show my income. I received the Closing Disclosure form on XX/XX/2020 which including the schedule closing date of XX/XX/2020. The loan processor has since contacted me asking for more information from myself and my CPA due to the fact that somehow I no longer qualify for this refi. 
The contact from Quicken Loans that I have been working with is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
Trans Union docked my credit score by XXXX points, about XXXX percent, even though my debt went down, all accounts were in good standing and my balances were lower than the prior months. I have a copy of my report attesting to this. 

I did a mortgage refinance and advance prepayment last month that dropped the money owed on my home from $ XXXX to $ XXXX. They told me over the phone that closing one account and opening another " can lead to your score being lower. '' Sure, but by that amount is ridiculous. 

I also asked two agents why my wife had her score go up significantly despite being a co-borrower with me on both mortgages. They could not answer that, which is unacceptable as it offers no accountability for a score that appears randomly plucked from thin air. Docking the score by that much is abusive, given the context. There is no reason I should be considered a higher credit risk for taking steps to lower debt. This is why the credit reporting agencies are considered a racket in this country and should be dealt with. 

The agents told me there is no way to obtain a written explanation for the drop. What I want is some written accountability behind their reasoning so I can take this to the proper channels and seek legal remedies if needed. They have to be accountable for their scores.

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 2021-02-22
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
While I made every effort to pay my debts and fulfill my responsibilities, in this instance XXXX XXXX was unfortunately unable to do the same. I have since gotten any letters through mail or email stating this debt has been paid in full and the account will be reported to all three-credit bureau. I've spoken to several of their representatives such has XXXX XXXX on XX/XX/2020 & XXXX XXXX on XX/XX/2020 about my account and both ladies took notes and gave accusation such as : on XX/XX/2020 the account will be officially closed on their end and give 21 days afterwards for the updates/process. I was also supposed to receive a call from their Attorney XXXX XXXX after speaking with another representative on XX/XX/2020 and to allow 24 -- 48 hours to hear for a response. Also, on XX/XX/2020 a representative stated it does " shows in their system that an attorney is aware that nothing has been filed or sent out ''. On XX/XX/2020 I spoke with XXXX XXXX and again nothing was resolved, I couldn't get any answers as to why my account hasn't been updated. Now I know that everything has been delayed due to the pandemic/Covid-19 but do not give a customer false information/misworded information if you are not going to meet the accommodation. The loss of customer respect/trust has been ruined. I just want to know why hasn't there been any information reported to " Conns Credit Corp '' about this account and why haven't I yet receive a letter about the account being resolved? We are in a new year and it going on 1 year since anything has been done about this account. I need answers and i need them now. I've learned this the hard way once any company sell your debt to a collection agency, they also write off your debt on their taxes which write off your obligation to pay. You can dispute the transaction via dispute.XXXX along with any other collection agency owned items lingering on your report. Your dispute reason is " contract was cancelled '' and write " no contract '' in the dispute comments. Peace and love to all! Knowledge is power! : ) I hope this help someone in the future I basically got scam out of {$1300.00} to a company i should have never paid to begin with. : )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid Caine and Weiner for this debt, and at the time I was assured it would be deleted from my credit report. That was six months ago! I wrote Caine Weiner a letter last month demanding the removal of the account, they have not responded, and the account is still being reported. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Bonneville Billing and Collections
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am sendig this complaint to Bonneville Collections. Account information : Account number XXXX, opened XX/XX/2014, original creditor : Bonneville Collections has been committing violations to my rights as a consumer. They have : - Reaged account - Reported incomplete information This company is being unfair and negligent. 

I have proof of my words. Please send the attached documents to the company involved. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: EQUIFAX, INC.
State: IL
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:
Today XX/XX/XXXX, I received an email from Equifax stating that there was a change to one of my existing positive credit accounts. When I logged into the econsumer Equifax website there was an alert that stated that I initiated a dispute on my XXXX XXXX account, which is ABSOLUTELY false. XXXX XXXX just reported my closing balance of {$0.00} on XX/XX/XXXX because I pay off that account every month. This is not the first time that Equifax has initiated a false alarm dispute and removed a positive credit account from profile. They did this with my XXXX XXXX account in May as well, which is another account I pay off monthly. In that situation, XXXX XXXX informed me that after they reported my {$0.00} balance they received some type of internal dispute from Equifax and if my account was removed it was the credit bureau 's decision, because they did not request my account to be deleted. At that time Equifax simply mirrored XXXX in deleting my XXXX XXXX account for a false alarm internal dispute. I have the chronological reports showing from when XXXX deleted XXXX XXXX, followed months later by Equifax. The reports also show that it was approximately 5 months later before XXXX added my XXXX XXXX back to my credit profile, again followed by Equifax. I have seen no increase in any of my credit scores in approximately XXXX days, even with having collection accounts removed, inquiries removed, and still keeping my credit card utilization between XXXX % monthly. All my credit card accounts have reported a {$0.00} balance for the month of XXXX, the last being XX/XX/XXXX from XXXX XXXX. I have no dispute case number or anything, because I never initiated XXXX. This is merely another attempt at the credit bureaus throttling my credit score, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I experienced an extremely poor customer service from Citizens Bank. 

First, I had troubles setting up an auto draft payment at all. I called several times ahead the payment due date to make sure it is confirmed and I was told over the phone that it was, but then two days ahead of payment I received a letter it was cancelled ( even though I got a verbal confirmation that I'm all set ). 

Second, I was finally able to set up an auto draft for my mortgage in the amount of {$3900.00} that covers my monthly payments and set the payment date for XX/XX/XXXX. The payment came through yesterday, but then I saw that Citizens Mortgage also charged me another amount of {$2600.00}. I called today both Citizens Checking and Citizens Mortgage and no one was able to explain neither who authorized this payment nor where it went to. My mortgage was in fact adjusted for {$3900.00} but not for {$2600.00} I'm attaching snapshots from Citizens Bank Deposit account where you can see two charges withdrawn by Citizens Mortgage and a snapshot from Citizens Mortgage where you can see that only the payment of {$3900.00} was account for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25
Company: Paypal Holdings, Inc
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying for months to get paypal to verify my XXXX account. All I keep seeing is that it will happen in 3 business days but then it says I need to resubmit my info. I do this and still nothing happens. I need someone with a quarter of a brain to help me because they have XXXX customer service options and just ignore you as long as they get their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my loan back in XX/XX/XXXX with XXXX XXXX and they sold my loan to DMI in XXXX XXXX. I sent my first payment to XXXX XXXX on XXXX and was received on XX/XX/XXXX. XXXX XXXX forwarded my check to Dovenmuehle Mortgage DMI when they sold my loan. DMI cleared my check on XXXX/XXXX but didnt apply it to my account. I didnt find out about it until I checked my XXXX account and checked my mortgage account, it was then that I discovered my mortgage balance was still the same, nothing was deducted but they cleared my payment. I had called several times, even spoke with four different supervisors and each time I call I have to explain myself over and over again. All of them dont seem to know what theyre doing. I even emailed them my proof that my check was cleared by them and itsBeen almost two weeks and I still havent received any response. please help. Recently, I checked their XXXX and XXXX page and all I saw was negative reviews. They were rated 1 Star on XXXX. Im surprised Dovenmuehle Mortgage is still operational despite their horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
I was notified of a purchase I made for a game on my son 's XXXX. I said yes I made that one purchase. Then When I received my statement there was over {$400.00} of purchases. I told them it was not us. During the resolution process XXXX  removed all the games that were illegally purchased on my card but Chase still will not remove them off my card even though I told them they were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In XX/XX/XXXX, my loan was discharged under proven XXXX as submitted and accepted from my XXXX. In XX/XX/XXXX, Social Security returned a favorable decision in the court in XXXX, VA, backdated to XXXX XXXX when application was first submitted. Ongoing communication with the servicer XXXX has proved futile to correct my credit reporting as a severe derogatory item 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 explanation
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Noticed 2 hard inquiries on my credit report that I did not authorize.

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