BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: ERC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is ENHANCED RECOVERY CO L. The inquiry date is XX/XX/2021. The bureau reporting is XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have a duplicate inquiry from the same company on the same day. I have contacted them and the inquiry still shows on my report. This is effecting my credit and should be removed. 

Its from XXXX  XXXX XXXX on XX/XX/2020. I have made phone contact several times with no results.

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 2018-07-23
Company: EQUIFAX, INC.
State: FL
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:
Supplied XXXX, and Equifax credit bureaus with the Faxed, PAID IN FULL letter from XXXX   XXXX XXXX, I also spoke with reps from XXXX XXXX many times during dispute. Yet the account is reporting incorrectly as a CHARGE OFF after many attempts, certified letters, phone calls. Sent certified letters to bureausee requesting details of investigation including but not limited to, phone calls, names, proof etc. Letters ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submitted information to XXXX XXXX Bank on XXXX XXXX, XXXX, for an old account that was listed on my report, although the account was paid. XXXX XXXX bank agreed to request for the removal from my credit report, on XXXX XXXX, XXXX. XXXX and XXXX removed the item on XXXX XXXX, XXXX. Equifax refused to remove the item, although they received information the company stating that they were requesting a removal from my report. After Equifax refused to remove, I disputed the item on XXXX XXXX, XXXX, XXXX XXXX indicated to me they were requesting a removal. Equifax still did not remove the item from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
daily harassment from XXXX XXXX on monthly payments that are not even due yet - literally 10 calls a day asking about my payment when I have a grace period of the XXXX of every month. 

due date is the XXXX of the month - 15 day grace period puts the payment off until the XXXX of every month. Yet they call me 10 times a day and I have to explain this to the reps even though they have the information right in front of their screen and they confirm it every time - " ... yes sir, correct sir, you have until the XXXX to make the payment sir. '' I have lost my patience -- -- - this is 100 % HARRASSMENT!!! 

don't do business with HSBC ... ... its their policy to harass you ... ..even when you are making timely payments ... ... .ridiculous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Venmo is holding funds with no reason! This is same as cash Deposits. Me and my kids just went through pure hell cause I couldn't access my funds. Lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I reviewed my credit report and found the following accounts that I did not open reported on my credit file. I did not open any of the accounts collections agencies are collecting for. 

XXXX - Balance {$97.00} XXXX  XXXX / XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX - Balance {$860.00} XXXX XXXX - Balance {$2300.00} XXXX XXXX - Balance {$2600.00} XXXX XXXX - Balance {$1700.00} XXXX XXXX - Balance {$820.00} XXXX XXXX XXXX - Balance {$790.00} XXXX - Balance {$1200.00} The following addresses on my credit file are not my addresses : XXXX XXXX XXXX XXXX XXXX, TN 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 2023-05-16
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have sent in multiple special deposits to AMERICAN EXPRESS, and they only want to claim some security issue. I have sent in 4 different notary verifications, as well as photo ID verification. AMERICAN EXPRESS continues to refuse access to my own credit, and they have even shut off my internet access to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: CITIBANK, N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
They opened the loan in a different market, I'm in California and they opened the account in New York. I can't go inside a bank and make payments. I can't not link my accounts to monitor payments because it's in a different state. The phone customer service payment department isn't open on the weekends to take payments. My first payment was late because I had to wait until Monday to make the payment which was a date late. The phone reps did not provide confirmations numbers for payments. I've made two phone payments, none provided confirmation numbers. They are able to access the account anonymously without leaving an electronic trail. There is no name of the rep who opened my account. They refused to provide names when asked. I have no received statements.

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 2021-07-08
Company: Southwest Credit Systems, L.P.
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 status incorrect

Complaint:
Southwest Credit Systems is reporting an erroneous debt on my credit file. I recently checked my credit file an noticed this debt. As soon as i saw it i called and paid off the debt. I never received any calls or notices about this debt and wouldn't have known this debt existed if i didnt check my credit file. That is a violation of my 30 day right to dispute. I would like Southwest Credit Systems to remove the collection off of my credit file. It shouldn't have been added as i was not notified about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
In XXXX I purchased canopy chairs from XXXX XXXX and used my CapitalOne to pay for them. In XX/XX/XXXX, I returned the chairs to XXXX. XXXX issued me a full refund for {$130.00}. In XX/XX/XXXX CapitalOne finally issued a credit of {$99.00}. I spoke to XXXX XXXX at XXXX, he confirmed they issued a credit for {$130.00}. XX/XX/XXXX, I mailed CapitalOne confirmation from XXXX showing the discrepancy. 

XX/XX/XXXX, I received a letter from CapitalOne, they repeated they only issued a credit for {$99.00}. However, XXXX issued a credit to them on my behalf for {$130.00}, and not {$99.00}, therefore, I should have been issued a full credit. CapitalOne is saying it is too late to issue a credit, yet they did issue a partial credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
A few months ago I was checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC As require by FCRA sect. 605 ( b ) any information reported as fraudulent should be removed from the consumer credit file in 4 days. Please remove all none accounts holding inquiries and send my a copy of updated 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 2021-10-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has been placed on my credit report as the owner of this debt however, there. are several names on this invoice with no further information. The invoice not only has a name of XXXX XXXX XXXX, it also has XXXX XXXX XXXX, XXXX, it states services provided by XXXX XXXX XXXX XXXX, there is a name of a XXXX XXXX. This alone is adding false information to my credit report if they are not the actual owner of the debt. 

I have contacted XXXX XXXX requesting more information which includes documents that I would've signed in the emergency room and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: SYNCHRONY FINANCIAL
State: TX
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 am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX Dates : XX/XX/2017 XX/XX/2017 XX/XX/2017

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 2018-04-03
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have notify all 3 credit bureaus to dispute information on my report I specifically state to them I am disable and receive government assistance meaning Medicare and Medicaid so I shouldn't have a bill. They would delete the account and then put it back on my report or they would state its verified as mines.

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 2022-12-29
Company: EQUIFAX, INC.
State: MI
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:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have documentation where I made several attempts to defer a student loan payments. 

I spoke with several representation from the company that inform me what application forms to complete. I did the application process as instructed and response was denied or we need more information. 

Every response was met with diligence and care .. yet I kept being denied. 

The loan was then sent to a creditor the called and harassed me, my son, my father and sister, when I have made all attempts to resolve the issue. 

The name of the company : American Education Services

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At XXXX on Friday, XX/XX/2021, Chase contacted me and stated that the mortgage auto-payment had been shut off by me, which I never did, and that the payment was now 36 days late. I immediately made the payment, and the representative assured me that all would be corrected with the credit bureaus and that autopay had been reestablished. When I followed up asking for confirmation that this had been completed, I was told by the service center that I had never had auto-payment established and that the late payment credit bureau reporting would not be removed. When I documented that I had, in fact, established auto-payment, they came back with the fact that while I had established auto-payment, I had also turned it off. I never turned it off and never received any communications that the autopay had been deactivated. After elevating multiple times, I was never able to make any progress in getting the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: COMPUTER SCIENCES CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We paid off 2 car loans with XXXX XXXX located in Texas. One was paid off in XXXX and the other in XXXX. We did not receive our released car title in either case. When I called them I was told that the titles had been mailed out however I have yet to receive either one. They refused to obtain a copy of the vehicle title or to reimburse me the 2 x {$95.00} fee 's that I will now incur due to their negligence with my titles. I had no problems receiving the monthly loan payment notice so I find it hard to believe that both titles ( mailed at separate times ) could not reach my home address. I do not believe that these titles were ever sent to me. CSC bought my loan from XXXX XXXX and I strongly feel that these titles may have just been lost in the purchase of our loan. Either way, I can not understand how this should be my responsibility to pay for a missing title, especially two times in a one month period. I want CSC to send me {$190.00} to cover the cost of the title replacement. 
XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-07-24
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
EQUIFAX MUST NOW REMOVE ALL BARRIERS TO MY CREDIT REPORTS, CONSUMER REPORTS AND MONITORING. THERE S KNOW NEED FOR CONSUMER AFFAIRS TO AUDIT MY LIFE ANYMORE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 an enrolles with a company for family budget services to get my credit card payments reduced. The payment gets made but misses by a few days. Then XXXX XXXX XXXX puts me over the 30 days past due by hundreds in the month of XXXX and XXXX and is effecting my credit score. I've tried with family budget services, XXXX XXXX XXXX, and multiple credit reporting to dispute these past due amounts. These past due amounts are well over what was even due and is become extremely aggravating and XXXX  is not doing much to help.

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 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have applied for a car loan and they are unable to obtain my credit reports due to the fraud alert that I have placed on my file. Also, I will need to add my contact telephone number to my credit file My contact telephone number is 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 2017-09-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The equifax data breach has compromised my personal information and the company has not done enough to assist consumers impacted by the breach. The gross misshandling of security platforms has resulted in millions of identity theft cases and the unfair burden of filing credit freezes is a process which is not being handled well, or at all, by equifax. I have attempted to file a credit freeze on XXXX XXXX 2017 and have not been contacted by the email service i initiated with TrustedID to ensure my identity is not compromised. Furthermore, i learned that Equifax was fully aware of the breach but elected to perform insider trading at the expense of their customers to make money before their stocks nose dived in the aftermath of the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have attempted to payoff my mortgage with Shellpoint Mortgage Servicing. On XX/XX/XXXX. My bank, XXXX XXXX, will not send an epayment of over {$50000.00}. On XX/XX/XXXX and XX/XX/XXXX, I sent five payments totaling {$240000.00} which was the payoff amount as of XX/XX/XXXX. 

On XX/XX/XXXX, I reviewed my loan on XXXX 's website, and determined that payments were not properly applied. I called XXXX 's customer service, and that the customer service representative told me that the issue should be resolved by XX/XX/XXXX. In addition, I had also sent an email to XXXX through their website. 

Per review of XXXX 's website on XX/XX/XXXX, XXXX only applied {$140000.00} to my mortgage and that I had a balance remaining of {$95000.00}. I called customer service again, and they said they had no records of the payments, and I asked that I send bank statements supporting the payments. I faxed over XXXX XXXX bank activity, and confirmation from XXXX XXXX that the 5 payments of {$240000.00} had been sent. XXXX 's representative told me that the issue should be resolved quickly. 

I reviewed my loan on XXXX 's website on XX/XX/XXXX, and the issue still had not been resolved. I again called customer service, and they again said they had no record of the payments. I elevated the issue to the supervisor and was directed to a voicemail. I left a voicemail, and have not been contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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: Overcharged for something you did purchase with the card

Complaint:
Bank of America continues to take people 's money by letting it go into limbo between the customer and the banking systems. This is a common issue is what I was told by the customer service rep on XX/XX/2018. This isn't right. This bank is stealing money. I'm just one person but I hope this comment can start some type of investigation into this. This bank isn't being fair to the public. Yes, my issue was resolved but I had to spend days and hours doing investigation work myself with watching transactions and taking screen shots to get my issue resolved. This isn't right. No one should have to go through this.

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