BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent letters to XXXX and Transunion about the inaccurate information on my accounts. These are disregarding consumer complaints. I have sent numerous letters and have still gotten no response. This has been a very stressful process for me and i just want the issue to be resolved.

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 2018-10-10
Company: TH Professional & Medical Collections LTD
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: Account status incorrect

Complaint:
Without any formal notification or opportunity for dispute, a {$5000.00} medical bill for my deceased son appeared on my credit reports as a collection account. Upon discovering this information on XX/XX/2018, I reached out to the original creditor, XXXX XXXX ( XXXX ). They indicated they would recall the account from the collection agency as there was a billing error. I contacted TH Professional & Medical Collections ( TH ) that same day and informed them that XXXX recalling the account. XXXX also contacted TH that same day to verify this information. I then followed up with TH again on XX/XX/2018 as the account was still reporting to my credit reports. I was assured that information had already been sent to the credit bureau ( s ) to completely remove the account from my credit report ( s ). 

I have credit monitoring with all three ( 3 ) bureaus and refresh my reports daily. As of the date of this complaint, this account remains on reports in error and is having a serious derogatory impact on my score ( s ) as it is the only collection account reported to any of the bureaus. I need this account removed ASAP so that my credit will be restored to its correct, positive, state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
It took an abnormally and absurdly long time to get my Equifax security freeze lifted. In the end, instead of a temporary lift, I opted for a permanent lift because it was too hard to unfreeze my credit. I was unable to do it online, or by phone, at first. I tried by mail, but I was very uncomfortable sending my SSN through the mail. Eventually, I called again and got the freeze permanently lifted, but this experience was very draining and time-consuming. I hope no other people will have to jump through this many hoops to get their credit unfrozen, especially since I can provide all my previous addresses ( as a DMV resident and student, I move a lot ), my SSN, and all other personal info. The security questions asked on the phone were also too difficult, as a lot of my initial student loans were taken out by my parents and therefore I have little knowledge about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX for lowes charge card knows I received my social security check on the XXXX XXXX of every month .I had my due date for payment due on the XXXX or abt.without knowledge and sending me any bill by paper billing in which I get for all bills, suddenly stop and they change my due date to the XXXX!! .I always paid {$100.00} on my bill every month even tho the amount due is {$75.00} month.they charge me for late fee.and want {$23.00} for late fees. I REFUSE TO PAY THIS .they will not forward nor waive the late fees and they claim I have to call customer service to change my date back to the middle of the month..i ask the first call I made to change my due date BACK and she refuse to .ignore my request and went on the torrade of the late payments and the other day a customer service said I miss several months and my bank denied this and every month my payments been made and never return!! they lied! i.

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 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Two banks XXXX and Bank of America are now saying they will stop doing business and extending credit with business and maybe in the future people who are involved in the gun industry and rights.

These activities are legal under law and the banks are using their power to dictate what happens in the US shutting out business and people who they disagree with then controlling the public. 

This tactic in the future could be used against anything they disagree with or want to control or sway in the country. 

This situation sounds highly worrisome.

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 2021-04-24
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX. I am submitting on my own behalf. There is no other third party involved! I have previously submitted complaints and have gotten a response saying it was not from me. I have been reporting inaccuracies in a lot of my accounts on my report but I have not gotten any results or deletions. At this point nothing have been validated and should be deleted. As a consumer I am the only one that can validate any debt which I have not done, therefore I demand all accounts uploaded be deleted immediately! Please note that it has been more than 30days and as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). I have been keeping careful records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Two banks CITI and XXXX XXXX XXXX are now saying they will stop doing business and extending credit with business and maybe in the future people who are involved in the gun industry and rights.

These activities are legal under law and the banks are using their power to dictate what happens in the US shutting out business and people who they disagree with then controlling the public. 

This tactic in the future could be used against anything they disagree with or want to control or sway in the country. 

This situation sounds highly worrisome.

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 2018-07-01
Company: Williams, Rush & Associates, LLC
State: IN
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:
William and rush associates offered me the pay for collection deletion. I paid off the collecion and and they sent me a letter that the account will be deleted from my credit report. And the account is still on my credit report effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: EQUIFAX, INC.
State: IN
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 closed and sold my account over to XXXX XXXX XXXX in XX/XX/XXXX Ive been making monthly payments to XXXX XXXX XXXX since XX/XX/XXXX. And XXXX XXXX has been reporting late payments to my credit report 90 days late every month since XX/XX/XXXX. Every time i called to discuss this matter they tell me to contact XXXX XXXX XXXX   about it. But every time i try to discuss this matter with XXXX XXXX XXXX they tell me To contact XXXX. They have been giving me the run around about reporting these payments 90 days late for 6 months now. 
If XXXX XXXX no longer owns my debt, the late payments being reported from them need to be stopped amd removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: ALLY FINANCIAL INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX Ally Financial XXXX XXXX under Account Number XXXX I leased a vehicle from Ally Financial on XX/XX/XXXX. The lease term was 36 months and all payments were made according to terms. Prior to the expiration of the lease, I requested a payoff quote and submitted full payment on XX/XX/XXXX to purchase the vehicle. Ally Financial received this payoff and deposited the funds. My account at Ally financial shows this payment and the balance is {$0.00}. 

Despite full payment, Ally Financial has failed to release the title to the vehicle. I have repeatedly called Ally Financial to ask about the status of the title release without success. A review of my file will reflect over 6 calls made to date. Each of these calls take a minimum of 30 minutes hold time before speaking to a customer service representative. I been told several times by Ally Financial customer service that the issue is the requirement for an odometer disclosure. Ally Financial customer service has repeatedly committed to sending the disclosure, but no disclosure has been sent to me by Ally Financial, nor have I received any communication from Ally Financial relating to the payoff which was received and deposited by Ally Financial 2 months ago. 

I am very frustrated that Ally has deposited the payoff and has failed to process the release of my title. Ally Financial customer service people point to a backlog of work as an excuse. Any backlog at Ally is not a valid reason to hold title for a vehicle the customer has paid off in full. I have been unsuccessful working directly with Ally Financial and am reporting this matter in the hope that the CFPB will pressure Ally Financial to honor the agreement and release title to the vehicle.

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 2018-04-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two credit inquires on my report that are fraudulent and do not belong on my credit report and I want them removed. 
XXXX credit inquiry XXXX credit inquiry please remove and update my score. I'm not sure why everytime my credit score goes up your company false reports and brings my score down I am XXXX and this is crippling me as I have tried endlessly to put a end to someone using my name and social.

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 2018-08-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2018, credit card payment of {$8000.00} was made and it was posted on Barclays credit card on XX/XX/2018. 

On XX/XX/2018 ( same day ), Barclays Card decreased credit limit to {$6900.00} ( decreased for the amount of the {$8000.00} payment made and posted ) without any notification to customer ( myself ). This is abusive business practice as a registered financial institution. 

On XX/XX/2018, I called customer service, spoke to customer service representative name XXXX ( ID # : XXXX / XXXX XXXX office ) and confirmed that there's no letter/notification went out to customer. ( XXXX ) Barclays credit card is in standing, always was, never made late payment.

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 2020-11-15
Company: Navient Solutions, LLC.
State: MI
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:
Navient charged off two federal loans XX/XX/2005. One for {$11000.00} and the other one for {$30000.00}, which appears on my credit report. However, I settled both accounts for {$6000.00} and was informed by XXXX XXXX, third party debt collection agency, that the account on my credit will change from charge off to settled which should reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: ALLY FINANCIAL INC.
State: MS
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:
Ally Auto reported my XXXX car note payment as being 30 days late when it's die on the XXXX of every month I paid it on the XXXX I owed {$410.00} for XXXX and XXXX I paid {$420.00} I admit I was late with XXXX payment but not 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 2018-07-01
Company: Deatrick & Spies PSC
State: IN
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  company closed and sold my account over to Deatrick and spies in XX/XX/XXXX Ive been making monthly payments to deatrick and spies since XX/XX/XXXX. And XXXX XXXX has been reporting late payments to my credit report 90 days late every month since XX/XX/XXXX. Every time i called to discuss this matter they tell me to contact Deatrick and Spies about it. But every time i try to discuss this matter with Deatrick and Spies they tell me To contact XXXX. They have been giving me the run around about reporting these payments 90 days late for 6 months now. 
If XXXX XXXX no longer owns my debt, the late payments being reported from them need to be stopped amd removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Capitol One credit card On XX/XX/XXXX i got sick and spend a few days out of work two weeks after i was told that i needed to have XXXX i spend to months at home after the XXXX and receive a short term XXXX check which was less that the haft of my paycheck I wasn't able to make my payments on time only my utilities bills was cover. 
XX/XX/XXXX i was able to go back to work and started pay off my late bill and got all up to date my balance is XXXX I check my report and i saw how much this ad affected my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: Synovus Bank
State: MS
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:
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: RGS Financial, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
RGS is reporting a debt in the amount of {$1200.00} that I do not owe with XXXX XXXX. They have reaged this acct on my credit multiple times. In addition. I have NEVER received any notice from them before this was even placed on my credit. I have no contract with RGS and have been corresponding with XXXX every since I closed my service in regard to pymnt arrngmnt on bill and I was told by cox that as long as I keep in contact I should not have to worry about this being on my credit which I did stay in contact. I was being charged for equipment fees and had to have an equipment form filled out 3 times in order to find equipment and they just found out. In addition to an etf ... that was removed due to circumstances. So this should not even have been on my credit until everything was appropriately assessed and calculated which it was not. I would appreciate this being taken off of my credit immediately because the actions that were taken to be placed on my credit was erroneous and illegal. I recently spoke with both XXXX XXXX and XXXX sup from XXXX and these fees attached to my credit has been confirmed to be incorrect with them, and should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: Eagle Financial Services, Inc.
State: IN
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:
Eagle finance company closed and sold my account over to XXXXXXXX XXXX XXXX in XXXX Ive been making monthly payments to XXXX XXXX XXXX since XX/XX/XXXX. And Eagle Finance has been reporting late payments to my credit report 90 days late every month since XX/XX/XXXX. Every time i called to discuss this matter they tell me to contact XXXXXXXX XXXX XXXX about it. But every time i try to discuss this matter with XXXX XXXX XXXX they tell me To contact Eagle. They have been giving me the run around about reporting these payments 90 days late for 6 months now. 
If Eagle Finance no longer owns my debt, the late payments being reported from them need to be stopped amd removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I forwarded {$300.00} to an online retailer via Western Union ( transaction number XXXX ). After not receiving the product, and any further correspondence from the retailer, I filed a fraud complaint with my bank. My bank issued me a temporary credit in the amount of {$300.00} while they investigated the charges. After completing their investigation, my bank reversed the temporary credit and funded the transaction on XX/XX/XXXX. They advised me to file a fruad complaint with Western Union and I did. 

After speaking with a customer service representative from Western Union, I was given a fruad file number and told that upon receiving the fraud complaint from my bank, Western Union issued me a refund on XX/XX/2018 in the amount of {$300.00}. I then placed Western Union on a conference call with my bank and they restated that they issued a refund back to my bank on XX/XX/XXXX for {$300.00}. 

Using that information, my bank reinserted the claim for further review and on XX/XX/XXXX denied it again. They stated that they have no record of Western Union issuing me a refund. So I called Western Union with this information and CSA # XXXX confirmed that they issued my bank a refund in the amount of {$300.00} on XX/XX/XXXX. When I asked for a transaction ID number for the refund, I was told that the refund would have the same transaction ID as the initial charge. They said that the refund was awaiting acceptance from my bank. I asked if I could place Western Union on another conference call with my bank. I was then told by Western Union that the initial transaction was processed and paid out to the online merchant on XX/XX/XXXX therefore they can not issue me a refund. I asked them to explain how were they able to inform me and my bank about the refund taking place on XX/XX/XXXX and now tell me there wouldnt be a refund. The CSA offered no explanation. Instead I was told to contact my local law enforcement.

Company response to consumer: Closed with explanation