BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: Experian Information Solutions 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:
I have a vehicle loan with XXXX XXXX with a payment due date of the XXXX of every month. 

XX/XX/2021 - I was 26 days past due on my monthly payment and requested the payment for the month be extended to the end of the loan. I spoke with a customer service representative named XXXX. During the call, XXXX told me that she would check to see if I was eligible to extend the payment. After checking, she came back and told me that I was approved. I do not recall her telling me that she was emailing me something to sign, but according to XXXX, she did. What she did not do was tell me that I had to have the document back before the extension was actually official and that if I didn't have the document back before the next payment, a 30 day negative report would be reported to the credit bureaus. 

During the call I specifically asked XXXX if the account had been reported negatively to the credit bureaus, she confirmed that it had not and I explained that I was glad and that I didn't want that to happen. Even at that time, the representative did not explain that the extension was not complete and that I needed to have the signed document in before it was. 

At the end of the call, based on information given to me by the representative, I was under the impression that the extension was granted and I was not at all aware that if was not final until the signed document was submitted. 

I did not sign the document until around XX/XX/2021. A couple of days later, I got an alert that something happened with my credit score, upon looking, I saw that I had a negative report from XXXX. 

I called XXXX and told them that I did not recall the rep ever telling me that I had to sign the document, and that I know she did not advise me that the extension was not final until they received the signed document. She DID tell me that the extension was approved. 

I have requested that XXXX remove the negative report since they told me the extension was approved, not conditionally approved. They have declined to change the report. 

On XX/XX/2021 I asked for the recording of the call. On XX/XX/2021 I called and spoke with a representative named XXXX and he told me that XXXX had the recording, but I could not have a copy of it, nor would they let me have a transcript or allow me to listen to the call. 

I believe XXXX was wrong for the negative reporting, since they APPROVED the extension on XX/XX/2021 and did NOT tell me that it was not approved until the document was signed. 

I would like the negative report removed and I would like to hear to the phone conversation or have a transcript.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XX/XX/XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX {$2500.00} XX/XX/XXXX XXXX {$3400.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Thursday, XX/XX/2023 my card was used for XXXX fraudulent transactions within XXXX minutes at a XXXX in XXXX XXXX. I reside in XXXX XXXX where I was at the time the transactions were made with my card in my possession. The charges equaled {$750.00}. I immediately filed a dispute on all charges with my banking institution where they say they investigated the issue and no error was found and my dispute was denied. Chime has since refused to return the money taken from my account after multiple phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a complaint against Toyota Motor leasing. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX, XXXX I called PNC bank credit card services to have PNC remove a late charge. My credit card payment is always due on the XXXX of every month and I paid {$100.00} on XXXX XXXX to PNC through my financial institution online bill pay. PNC decided to post my payment on the XXXX, which cause a late fee of {$25.00}. PNC refused to remove the late charge because of a removal of a previous late charge in XXXX of XXXX. I escalated the issue to PNC escalation team because the supervisor from XXXX XXXX XXXX refused to remove it. XXXX advised me to send a letter about my issue and stated the late fee is valid even though I explained my bank took my {$100.00} on XXXX XXXX, but PNC decided to post my payment on the XXXX. I do not make late payments constantly and I did make my payment before the due date, yet PNC is refusing to remove a late charge that is not valid. This was the worst customer service experience and I have been with PNC for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
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:
I received a letter from Equifax explain I was apart of a breach I went online to view my account and notice some fraudulent attempts to obtain credit. I have put in a dispute with Equifax but they have responded telling me to contact the company directly, I have! the company states the inquiry is valid however of course its valid if they illegally hacked Equifax corporation and retrieve all of my personal information. I will like all the listed below inquires removed. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Greetings, This is a formal complaint against Medical Data Systems Inc for furnishing information to XXXX  that it once requested removed from all three credit reporting agencies which includes XXXX. 

The actions of Medical Data Systems Inc violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. 

The following documents submitted outline the unlawful conduct and actions of Medical Data Systems Inc in their question to damage my credit standing based on XXXX motivation and retaliatory tactics for filing a complaint against Medical Data Systems Inc with the Florida Office of Financial Regulation. 

Please review the following attachments. 

Sincerely, 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 2020-04-25
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My first unemployment payment was processed on XX/XX/2020. Today is XX/XX/2020 and I still have not received the XXXX from USBank. I have tried to contact them at XXXX multiple times throughout the week. I sat on hold for 4 hours and no one answered. I tried calling at different times during the day and can never talk to someone about a replacement card or what I can do to fix the problem. Since then, I have opted to use direct deposit instead. I have 3 weeks of benefits on that card, estimating to about 1000 .

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 2017-12-27
Company: JPMORGAN CHASE & CO.
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:
To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under 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- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 2019-10-10
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX I don't know, I just looked at my credit report and saw it was on there.

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 2017-10-05
Company: EQUIFAX, 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:
XXXX XXXX has not responded to requests to correct or replace monies from cashiers checks issued by banks they were assignees heridators or banks they have bought out : XXXX XXXX and XXXX XXXX XXXX I have 6 certificates of deposit which automaticAlly renew if not closed I have the passbooks several which. We 're held by my mother on bhalf of myself and it children in addition they have also refused to pay the certified checks issued by them or the banks they inheridited

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX XXXX XXXX  and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
If this company is not on your list, they should be. They have numerous complainants. 

We are unable to send your complaint to the company for a response. 
We reviewed your complaint and werent able to forward it to the company for a response either because the company is not on our complaint system, or because we do not currently handle complaints about this product or issue. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Debt collection ISSUE Attempts to collect debt not owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in forbearance with Loan Care since XX/XX/2020 and ended the forbearance at the end of XXXX 2020. Upon their request, I submitted the required paperwork 60 days prior to the forebearance ending to find out what our options were to start paying the mortgage again. After numerous calls and different information given to me each time, we received a modification in the mail XX/XX/XXXX. I then called again on XX/XX/XXXX asking what my other options were since the modification was not even something to consider. I was told the send back the modification offer with a letter stating that I was declining the offer and wanted to defer the 6 months payments to the end of the loan and begin paying the regular mortgage amount due. I think called the following week and they confirmed it was received and in review which would take a few weeks to complete. That is the final conversation/correspondence that I have had with them until today. Since I gave them a month to finish the review, I called today to find out what the status is since I have not heard anything and I'm no longer able to log into our account. I was then told that we were denied the deferment due to the fact that our loan was transferred to them in XXXX from our previous mortgage holder. I then asked to speak with a supervisor, and was on hold for over an hour to be told that no supervisor was available and that I should receive a call back in a couple days. Each time I have been told that I never received a call. Our mortgage is backed by XXXX  so per the Cares Act we should have the option to defer these payments but I just continually get jerked around by this company.

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 2022-03-30
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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX XXXX XXXX and may have gotten into the wrong hands.

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 2021-05-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I declined a forbearance extension and resumed payments starting XX/XX/2021 as instructed by my mortgage company Wells Fargo. I contacted them and informed them in XXXX that I no longer needed forbearance and resumed payments. I made payments monthly until the present. 

I made plans to refinance my loan because I did not want a hidden lean on my home to resolve the unpaid balance and pay off the principal. 

I was approved for the refinance and not able to move forward because I am being coerced to complete paperwork in order to remove the forbearance even though I was told that it expired in XXXX, instructed to make payments and have been current on those payments since making them in XXXX. 

I have informed the bank repeatedly that I did not want that options. I was asked for other options and was not provided with any alternatives. I found a finance company offering an option that works best for me and I am not being allowed the opportunity to move forward. 

I feel like I am being taken advantage of as a consumer who is trying her best to resolve a balance in a manner that meets my needs. I have a an excellent payment history with this mortgage company and I am unhappy and disappointed about the predatory behavior and unwillingness to work with me to establish this refinance and resolve the balance issue.

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 2017-12-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation