BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-21
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested a modification which was approved. However it was reported late. Spoke to a supervisor whom stated that the late report was going to be removed. I got a notification however my credit score dropped over 100 points and has not shown an increase. The modification is inplace and I also made a XXXX dollar 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 2021-06-09
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Southwest Credit Systems keeps using different phone numbers to contact me. When calling nothing is said, not a single word, and after a few seconds to a minute the call is ended. I Called back and found out the company, SWC Group, so I'm assuming they think that I owe a debt, which is fine, but getting in contact with them is impossible. 

So far they've called from : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX They have not said a single word over the phone. I have not received any correspondence in the form of mail or email about the debt. I'm not even sure if there is a debt in collections as I feel I've been making payments on everything in a timely manner. If there is a debt, I dispute it until they can validate it. I tried talking to someone, to get the debt validated, and I have yet to have a single response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Experian Information Solutions Inc.
State: NV
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:
The information reporting on my credit report is not reporting accurately. The information is erroneous and I have requested several times that the company report accurately.

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 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Capital one, without prior notice, has taken action against my credit score by decreasing my credit limit. The unilateral action taken by the bank, negatively affects my credit worthiness, which I work very hard to maintain. 
Upon further inquiry, the bank representatives refused to explain the reasons as to why such action took place. Since the offered no explanation, I feel this action is arbitrary and borderline discriminatory, given that from my name anyone can infer I am not a XXXX person. The credit limit was cut in almost half, from {$15000.00} to {$8000.00} according to the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian failed to remove a fraudulent collections account from my report even though XXXX  and XXXX  both removed the 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 2020-11-13
Company: Mediation Recovery Center
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company is purchasing 12 year old debt. A debt that I settled with the original creditor in 2009. This company out of no where, has filed inquiries on my consumer report causing it to decrease by points, they have been harrassing me by email looking for money for a years old debt. I advised the person XXXX XXXX not to contact me by writing or phone ever again, or they would be reported for harrassment. They are now harrassing me with annoying letters asking for money I do not owe them. They are also threatening by letter to pursue further collection efforts on a debt over a decade old, and attempting to call and harrass.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Experian Information Solutions Inc.
State: AL
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:
This complaint is against Experian. My credit score is dropping when nothing has changed in my credit report from last month. I even paid off a {$6200.00} personal loan, and my score still dropped. I called Experians customer service. I spoke with a lady from XXXX, I think. This is my second complaint. Why does someone from another country 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 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a single team subscription from XXXX to watch the XXXX XXXX XXXX in the amount of {$110.00}. 

At the outset of the pandemic, the XXXX CANCELED the XXXX XXXX XXXX season making it IMPOSSIBLE to watch them on XXXX or anywhere else. 

Since it was IMPOSSIBLE to reach the XXXX I disputed the charge with Capital One MasterCard. I was told that under the terms of their MasterCard Purchase Protection Policy they would credit {$110.00} to my account and mail paperwork to me that was to be completed and returned no later than XX/XX/20. 

I received the paperwork from Capital One on XX/XX/20. I completed it, made a copy and mailed it the very same day. Then, on XX/XX/20 I discovered that Capital One violated its own MasterCard Purchase Protection Policy and WRONGFULLY charged {$110.00} back to my credit card. 

I immediately called Capital One to be told that they never processed the completed paperwork that I mailed to them on XX/XX/20. Capital Ones phone rep stated that if I E-mailed copies of all of the documentation that I PREVIOUSLY sent to them that she would PROPERLY CREDIT the missing {$110.00} back to my account. 

She NEVER did what she said that she would do. Its not been two weeks since I was promised a PROPER {$110.00} CREDIT back to my supposedly protected account. I called the Capital One Dispute Line back today. Ive been on the phone for nearly a half hour with a phone rep who said she could fix the problem. When she failed to fix it, she FINALLY transferred me to a supervisor, AS I ORIGINALLY ASKED HER TO. 

Ive been on hold close to ANOTHER HALF HOUR AND NO SUPERVISOR HAS PICKED UP THE LINE AS OF YET!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-08
Company: HYUNDAI CAPITAL AMERICA
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:
In XXXX I was a victim of identity theft and 2 cars were taken out in my name by an unknown person/s. The vehicles were taken out by different banks in two different dealerships. When I notified both companies. XXXX XXXX XXXX a.k.a XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX a.k.a XXXX XXXX XXXX they did nothing to help rectify the credit reporting or clear my name. Fast forward to XX/XX/XXXX, 5 credit inquiries were done under my name without my consent by one dealership to 5 different banks. My credit score is being tarnished by all these negative credit reports and inquiries. XXXX XXXX, XXXX and XXXX all refuse to remove it from my credit report because its not up to them but to the companies running my name and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: DISCOVER BANK
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was charged with opening and non payment of an account by Discover bank. They did an investigation of the account. Said it was mine and I revived goods and services with their card, They also said it would be reported to the IRS. A very disgruntled form letter. 
They did. But they put a account number on it which I have denied in good faith that is not mine. Account # XXXX. 
Charges have been filed with the Mississippi Attorneys Office against the person who used all of the accounts you have so far invested on my behalf. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
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: Investigation took more than 30 days

Complaint:
I sent an investigation request to Equifax on XX/XX/2018. Nearly two months have passed, and I have yet to receive a response. I even sent a follow-up letter on XX/XX/XXXX, but that has also gone unanswered. Equifax was supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/2018 the Purchase APR on my Chase XXXX XXXX card increased from 13.40 % to 17.49 %. 

I contacted Chase efor explanation. Unfortunately the phone rep was unable to explain and offered to send a letter. 

I have not received the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: CITIBANK, N.A.
State: DC
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 opened a Macy 's store card in XX/XX/XXXX I had only one purchase on the card for a watch that costed {$620.00}. I purchased this watch at XXXX XXXX XXXX XXXX XXXX, WI XXXX. I have a receipt for the watch as well as I forwarded my receipt over the phone. I returned the watch the next day as the watch wasn't a good gift. 

My store card was charged without my knowledge as it was stolen by somebody and used in a foreign state. I found about the charge when the account was delinquent and collections agency was calling me. The credit charges posted on my account were without my knowledge. Macy 's account team did not help me as they kept me reverting back to some collections agencyMacy 's posted many months of late fees on top of the ~ {$110.00}. the late fees added by Macys, inflated the over all owed amount to {$380.00}. And I have been harrased and not provided any support to launch a claim. Macy 's horrendous service caused delay in customer support or relief for me as the customer. I have called and waited on hold with MAcy 's customer service then Citi Bank ( macy uses for their store Card ) and spent hundred of hours trying to resolve. Macy 's customer service has been giving me different numbers each time I call. I filed a fraud claim with Macy 's explaining that my card was stolen but no support came in from Macy 's at all. It's XX/XX/XXXX and I still do not have any support. Macy 's customer Customer service gave me XXXX XX/XX/XXXX week, customer service told me to talk to the accounts team. 
Customer service gave me XXXX to talk to the fraud department. the fraud department did not have anyone available to support. 
Customer service gave me XXXX, this time explaining that XXXX is direct number to the team responsible. I waited hours to finally file my fraud complaint with XXXX id : XXXX Then XX/XX/XXXX Macy 's gave me XXXX, telling me it will work this time, only for the number to say that due to COVID no call support is available. 

Macys has harassed my XXXX  and XXXX  with bad service and a ~ {$110.00} fraud charge for over three years. 

I request for the CFPB to help me remove this fraudulent entry on my credit report as Macy 's have constantly failed me and I and begging for relief.

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 2019-03-30
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:
I've disputed these accounts before but did not get any results in connection to my identity theft claim. My identity has been compromised and the following accounts are hindering my true credit identity. Please block the following accounts are provide me with physical documentation that they are true accounts. These accounts I have absolutely any knowledge of, 1 ) XXXX XXXX/ 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) 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 non-monetary relief
Consumer complaint received 2020-08-28
Company: SERVICEMAC, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with ServiceMac LLC, transferred from XXXX Home Mortgage   several months ago. I sent in my XX/XX/2020 payment in the amount, or more than the amount, that I believed was billed. ServiceMac contends that I did not make full payment. I can not prove what my XXXX statement read, because I shred statements after payment has been scheduled through my bank. ServiceMac did receive the payment, that I scheduled, on XX/XX/2020. ServiceMac did not however apply the payment against any portion of my mortgage. ServiceMac contends that since it was not full payment, or more, that they can hold partial payment as unapplied until full payment is received. I would think that ServiceMac should still be required to apply whatever payment received against the mortgage loan.

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 2020-08-21
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 I needed a temporary release for my credit reports, this was for a refinance of my home. Experian has this " policy '' concerning the release/temporary release of a credit freeze I placed on my file a little while back. Unless I " subscribed '' the the new Experian credit monitoring service ( XXXX a month ) there was no way to get a temporary lift on my credit freeze. Unless I paid them the " fee '' the only way to get a release on my file : 1 ) download and print release form. 2 ) fill in dates of release and sign form. 3 ) include copy of picture ID with form ( nothing gets returned ) 4 ) send all items to Experian via SNAIL MAIL. After they receive everything then they will put a temporary lift on my file. I was talking with the mortgage company when I was SURPRISED by this. I needed lifts on my credit within 24 hours not 7-10 days. I will not pay to have access to my credit history. If a reporting company will not allow instant access for free to all consumers then they should not be allowed to control this information.

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 2020-08-21
Company: Lima One Capital, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my house and repaid the mortgage ( mortgage holder Lima One Capital , LLC ).  During the closing process the lender was over paid by the closing company. The closing was XX/XX/2020 and the lender acknowledges receiving the funds wired by the closing company on XX/XX/2020. The lender also acknowledges the money that I'm owed but can not /will confirm when they will refund monies owed to me. I was told " We have many other loans and customers and can't say when they'll be able to send me my refund. '' The originally said that a check would be sent 30 days after close. Then they said they already mailed the check. Today they ( Mr. XXXX XXXX XXXX said " We have many other loans and customers and can't say when they'll be able to send me my refund. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: REISENFELD & ASSOCIATES LPA, LLC
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX  XXXX XXXX has violated the Debtors confirmed Bankruptcy Plan Docket XXXX in Case XXXX XXXX. XXXX  XXXX XXXX proceeded with the violations until the loan was transferred to the new service company XXXX XXXX XXXX XXXX on XX/XX/XXXX. Due to XXXX XXXX XXXX negligents XXXX XXXX XXXX transferred incorrect documentation to XXXX XXXX XXXX XXXX See Exhibit J. XXXX then proceeded because of XXXX XXXX XXXX negligent trying to collect discharged debt from XXXX XXXX. Mr XXXX XXXX contacted XXXX after receiving the ( RESPA ) loan servicing transfer and noticing more errors on the loan and contacted XXXX pleading for XXXX to rectify the incorrect loan information only to be ignored by the loan servicing company over the phone and by fax this was a violation of the CFPB 1005.11 Procedures for resolving errors. Mr XXXX stay on course and determined to correct the loan forcing XXXX to correct the issue by contacting the CFPB Consumer Financial Protection Bureau and filing serval complaints over a 12 month period. XXXX did not responded to any of the CFPB complaints acknowledging the error of the negelinece of the pervious loan service company XXXX  XXXX XXXX but did adjust the loan in XXXX to match the agreed reaffirmation agreement. XXXX then proceeded to file a foreclosure on XXXX XXXX because the loan was behind on payments due to the incorrect data provided by XXXX  XXXX XXXX. This action by XXXX not pursuing any loss mitigation against XXXX  XXXX XXXX was complete neglect of the debtors right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
State: MS
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:
Tried to get inquiries removed from my accounts with XXXX, Experian, and XXXX told them that they were not authorized but the companies refuse to remove them.

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 2019-01-08
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have never been contacted by CMRE Financial Services. I pulled my credit report and learned that I had a few medical collection accounts that I was unaware of. I contacted CRME, requested an itemization of the bills included, and paid all of the accounts at one time on XX/XX/18. 

1. I was told I would receive a written confirmation from CMRE that the account was Paid in Full and that the accounts would be updated with the three ( 3 ) Credit Bureaus.

2. To date, I have not received anything in writing. and the Credit Bureaus have not been notified.

CMRE should be legally obligated to update the Credit Bureaus with the PAID IN FULL information, just like they do with DEROGATORY information! They should be required to provide a statement that states they " will update the Credit Bureaus with the Paid in Full status '' - As it is, there is no obligation on their part ... it's just an " if they choose to ''. 

I will not count on CMRE reporting this information, I will take my paid receipt and send it directly to the Credit Bureaus myself. CMRE is not a reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Law Offices of Robert J. Colclough, III
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First it started with a phone call every few days. Now they call every other day numerous times. At first I told them this did not sound like it was my debt and I wanted them to send me proof. Instead I keep getting automated phone calls all day long. So I don't even answer my phone anymore. They finally sent me a debt collection notice for a credit card I never had. I even checked my credit reports and this debt has never showed up on my credit reports. This company is hounding me for a debt that is not mine and it needs to stop!

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