BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
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: Information belongs to someone else

Complaint:
There is an address that keeps reappearing on my credit report. There also keeps appearing medical bills that have gone into collection. It belong to someone else with the same last name as me with a similar birthday and likely similar social security. I keep disputing it with the credit reports, most recently equifax. They keep taking it off only to put it back on again. I have contacted the collection agency, i have contacted the original billing people. They have told me that it is not them reporting my information. They pass on the correct information because they don't even have me in their system and have given me the information they do have, which is for someone else. However equifax keeps attaching this persons info to my report. They will not responsibility for their continual mistake. I don't know what else to do except to have to check my report continually and keep disputing. Do I have another option. I have not checked the other credit reports to see if they also have inaccurate info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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:
Lease via XXXX XXXX. Due in XX/XX/2020. All lease contract obligations were paid in full on XXXX, paid via bank including any turn in fees, etc per the contract. Vehicle was turned in to dealership on XXXX. Dealership accepted vehicle and provided turn in paperwork to me. Lease/ Loan debt was fully paid as indicated by XXXX XXXX credit report update issued on XXXX showing that account was paid in full and has a XXXX balance. Experian Credit Agency XXXX. 
Credit agencies receive report that my loan is past due by {$390.00} on XXXX, though they indicated it was paid in full on their credit report submission on XXXX. They are now saying that an early termination fee is due, though I paid the account in full to satisfy all contract obligations. 
I have contacted XXXX XXXX only to be told that that is their policy and therefore could not be helped. 
I have disputed any claims of delinquency via Experian and XXXX XXXX credit reporting agencies.

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 2021-07-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Medical Collection ; XXXX XXXX XXXX in the amount of {$490.00}. 
Per new law, medical collections under {$500.00} should not be reporting. This collection is in violation of that law.

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: Comerica
State: HI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 criminals XXXX and XXXX XXXXXX/XX/XXXXme andXX/XX/XXXX me and stole my car, computer, phone, wallet and etc. etc. The following day the two criminals went to a XXXX store with my wallet and used my us direct express card and withdrew the last {$240.00} out of my account. Police don't care to go arrest the criminals. I wrote a dispute to us direct express card services and they refuse to give me back my money. I want my {$240.00} plus {$.00} atm fees credit back to my account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX  XXXX  XXXX  id XXXX is reporting incorrect information to transunion. it is reporting 149 days late from XX/XX/2021 to XXXX XXXX and it is over 300 days late. please close account and remove from 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 2021-02-10
Company: Experian Information Solutions Inc.
State: VA
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:
Submitted numerous disputes for late payments to be removed due to natural disaster ( covid ). 30 days has passed and I didnt hear anything from the company involved XXXX XXXX or any of the credit companies. Late payments were for XXXX. Disputed late payments and Ive contacted the XXXX XXXX XXXX and still no 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 2021-09-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
someone from chase CFPB complaint resolutions department called me and imediately started Lying to me by tell me it's against federal law for her to call me at the number i listed in the CFPB complaint. she states that federal prohibits her from calling me on the number listed in my complaint. she also stated that they will resolve this complaint without actually talking to me. Perhaps you could start an investigation into why they won't call me on the number listed on my complaint. Perhaps you can explain to them that people change phone numbers and that i do not wish to be called on my work number for a complaint on my personal account with chase. Also how are they going to resolve a complaint without actually speaking to me. Guess I'll have to close my savings account with XXXX in it and switch to a different bank that knows how to read and follow simple directions. also please inform them that i do not wish to have my checking account updated to an account that has a {$12.00} a month fee and am in fact complaining about a {$6.00} fee they added to my no fee checking account and the fact that they lied about the amount of interest they would pay if i me if i had a checking account and opened a savings account with more then XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my checking account with TD bank in XX/XX/XXXX with a XXXX balance, and no outstanding balance. I received a charge off notice from TD bank in XXXX, XXXX for the amount of {$49.00}. When I called the recovery department, they stated the amount was due to maintenance fees for the account for the past couple mod months and refused to waive this erroneous fee. I called the local branch on XXXX XXXX. In XXXX, MA and spoke with XXXX and she said she would waive it, however when I called collections back several months later, the outstanding balance was not waived. When trying to get to the bottom of this issue, I was treated very poorly by the collections staff and even was hung up on by their staff. Per TD bank, all of these calls were recorded by them, so please take a listen for yourself how the staff interacted with my requests for help. I find this fraudulent fee-charging and abusive treatment by TD bank to be reprehensible. Please help, I really would rather devote my limited time to taking care of patients in the hospital during these times, not being mistreated by bank staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take the time to help me get this matter resolved with errors reporting on my credit report. I have tried to get these issues resolved on many different occasions. There is 2 trade-ins reporting ; one has an incorrect late status and the other account does not belong to me. Here are the list of inaccurate items : Incorrect Name Spelling : XXXX, XXXX Incorrect Address : XXXX XXXX XXXXXXXX anXXXX XXXX XXXX  number XXXX XXXX XXXX XXXX  is reporting an incorrect late status of 90 and 120 days late in XXXX & XX/XX/2019 The XXXX XXXX account is not my account ; it is showing chargeoff and I have never opened 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 2021-07-06
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Purchased a 2021 XXXX XXXX and agreed to finance XXXX through Ally Financial in XXXX of this year. The terms of the loan were {$680.00} for 72 months. However after making three payments of {$680.00}, equaling {$2000.00} the loan has actually gone up from the amount I agreed on. The payoff today XXXX XXXX 2021 is XXXX, which is {$180.00} more than I even financed. I contacted Ally Financial and was told that {$13.00} was added to my account every day on top of the {$680.00}. So Ally financial is charging me {$1000.00} and my payments are only {$680.00}. So basically the loan is progressively going up instead of down and I did not agree to or sign a contract with these terms. It will literally be impossible to pay the vehicle off under these terms and the company has to know this and is deliberately taking advantage of consumers. I am also a XXXX veteran and feel as if I have been taken advantage of because of my XXXX status. I know I did not agree to this and Ally Financial should be investigated for illegal business practices.

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 2019-03-07
Company: Experian Information Solutions Inc.
State: UT
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 Firm is reporting incorrect information on my account on my credit file. They are reporting the My account was opened in XX/XX/XXXX and I did not open in XX/XX/XXXX, I. opened this account in XX/XX/XXXX. Also, they are reporting Lates Starting XX/XX/XXXX, but My account wasn't opened until XX/XX/XXXX. This information they are reporting is not accurate and needs to be fixed.

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 2021-02-10
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:
Please take the time to help me get this matter resolved with errors reporting on my credit report. I have tried to get these issues resolved on many different occasions. There is 2 trade-ins reporting ; one has an incorrect late status and the other account does not belong to me. Here are the list of inaccurate items : Incorrect Name Spelling : XXXX, XXXX Incorrect Address : XXXX  XXXX XXXX and wrong street number XXXX XXXX XXXX XXXX is reporting an incorrect late status of 90 and 120 days late in XXXX & XX/XX/2019 The XXXX XXXX account is not my account ; it is showing chargeoff and I have never opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
First off, Thank you so much for helping us in correcting the discrepancy on my credit report with XXXX. I am reaching out once more to report the same error ( bankruptcy yr. XXXX & XXXX ) that has been reported on my credit report with the transunion agency dropping my credit score from a XXXX to XXXX as of XX/XX/XXXX. XXXX. And a delenquency mark with our car loan which we are currently paying.Thank you once more. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My student loans have lates reporting and I haven't been late since XXXX, and then I refinanced loans. I have three student loans and all the payment have been made correctly and on time. 

DPT ED/XXXX  amount Owed {$530.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all DPT ED/XXXX amount Owed {$21000.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all DPT ED/XXXX  Amount owed {$2000.00} it shows that I was late in XXXX and XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX. I have never been late at all

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: ResidentCollect, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft by a person living in the state of Texas. I have always lived in the state of California. 
I submit a police report, credit made by a person who stole my identity and bank statements showing that I have lived in California. 
My credit report shows a debt on behalf of the company " Innovation Recovery , Inc. '' for the lease of an apartment in the city of XXXX, TX, during XX/XX/XXXX to XX/XX/XXXX. This contract was signed by a person who stole my identity in this state, the signature and contract information do not correspond to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Citizen One Bank customer service on at least two ( 2 ) separate occasions via telephone ( XX/XX/XXXX and XX/XX/2020 ) and once via Certified Postal mail ( XX/XX/2020 ) to request that my PMI charge be removed from my mortgage as a result of having a 77.2 % LTV ratio which falls below their required threshold of 80 % or lower. To date Citizen One bank continues to send me the same generic letter informing me of the steps I need to take to request that PMI be dropped even though I sent the required written request as they have requested. I reported this issue to a Customer Service Representative ( XXXX ) on XX/XX/XXXX who confirmed that he saw the same letter has been sent out repeatedly and who spoke with his Supervisor to confirm that all I needed to do was send a written request informing them of my request as a result of meeting their LTV ratio threshold. I mailed the written request which was sent via Certified Mail and received by Citizen One Bank on XX/XX/2020 yet my request was answered with yet again the same generic letter I've received multiple times previously. At this point I believe Citizen One Bank is failing to met their obligation to drop my PMI payment as a result of meeting the necessary requirement in an effort to extort additional fees from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Well Im banking with chime banking and on the XXXX of XXXX I woke up to a closed account I called chime headquarters and the number on back of my card they could not tell me why they closed my account they literally stolen my money and now me and my kids have nothing and I dont no what to do I tried calling them they just puts me on hold and hangs up some one please help my number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: SYNCHRONY FINANCIAL
State: VA
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:
I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to 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 2021-02-24
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:
Hi, I figured out in my credit report these accounts and I would like to report that I am victim of Identity theft as I always know for sure what I have and what I do not have. SO I do not recognize these accounts, they are somebody else I guess, or simply its a fraud!!! I kindly ask you to check these items for me and after you finish delete them because I do not want them in my report plus I do not want to be responsible for something that is not mine at all. If you nee any documents from me please let me know and I hope it will not take a lot of time because Its very uncomfortable in all senses to have this wrong data in my report. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: National Credit Adjusters, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Back in XXXX I got a Payday Loan from XXXX XXXX XXXX XXXX for {$300.00}. I paid this loan back in full but now I see them on my Credit Report for XXXX they said it was opened on XX/XX/XXXX I asked them to show me any Paperwork showing be wear I signed for a loan or the check that was used

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
My Mortgage Lender is unable to obtain a credit Report from Equifax even after I called Equifax and the representative verified that there are no freezes of any kind. The Equifax representative even pushed me to sign up for membership with them to obtain a copy of my credit report, and still never resolved my problem and even took 2 payments of {$4.00} from my bank account while my online Equifax account still has not granted access to my benefits and continually inviting me to sign up for membership once again. I have even gone to obtain my Equifax credit report from annualcreditreport.com to only receive XXXX and XXXX reports and fails to send my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
These are garbage debt buyers sending me copies of statements and no O.A.L.D. Was provided by two companies ( 1 ) LVNV FUNDING LLC and ( 2 ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation