BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/XXXX a repo company tried to come to my mother 's house and repossess my car. My mother is a loan manager herself for a local credit union and works with this company so was obviously completely embarrassed and called me right away. I was told that they were coming within 24 hours to take my car because XXXX said I had not paid on it in 3 months. Long story short I have always gone through the drive through since my branch was XXXX XXXX and paid my car loan. For the last 3 months whoever was working the drive through window put my payments on the WRONG ACCOUNT. I called and was told I needed to bring proof that I had paid. I got my bank statements and printed out the cancelled checks and took them in. They never apologized and acted like it was no big deal. I told them I needed a demand letter stating exactly what happened ( this is in my BBB complaint ) and for my credit score to be wiped clean ( it had significantly dropped due to these fraudulent " missed payments '' ). I was assured of all of this. After filing a complaint with the BBB, someone called and said that they still had no idea why my payments went into the wrong account ( so now I have to worry every single month when I go in to pay ) and that my credit report was fixed. Just looked at my credit report and it is fixed for XX/XX/XXXX payment fur XX/XX/XXXX payment is still showing missed and my credit score is still significantly down. I 've still never gotten an explanation or apology from the branch and my mother being a loan manager is appalled at their business practice and I 've asked for a credit multiple times and have been ignored. Why are they able to benefit off of my money and go on with their " business '' as they 're wreaking havoc on my life and causing me unwarranted stress. I need my credit report wiped clean of this immediately, and once again feel I should get some sort of credit to my account for all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As a response to my previous complaint ( XXXX ), XXXX XXXX from TMS listed a list of all the principal payments and XXXX payment that the received. She also mentioned that principal payments were transferred over to XXXX XXXX but did not mention anything about the XXXX payment that was received by them on XXXX. 

This XXXX payment of {$3900.00} and an additional principal curtailment of {$270.00} is still missing on XXXX XXXX side. After repeated calling helpdesk and emailing XXXX XXXX ( XXXX ) I still haven't received an update about the missing payment. 
XXXX XXXX received a statement from TMS on XXXX which does not list this XXXX payment and there has been no further communication or payment from TMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: EQUIFAX, INC.
State: NV
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: Problem getting your free annual credit report

Complaint:
On XXXX2019 I tried to get online a free annual credit-report from Equifax. I answered all of the questions correctly, but it was showing up : " We are not able to deliver your free Equifax Annual Credit Report online ''. I tried one more time, but it was showing the same. Additional it shows, that I can request it by mail, but I have to mail copies amongst other things like a XXXX-form and pay-stub with Social Security Number. Since I am XXXX, I don't have these two documents. At XXXX and XXXX I have received a couple months before online my free annual credit-report without any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: JPMORGAN CHASE & CO.
State: CA
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:
XX/XX/21 around XXXX XXXX  : I used the Chase Sapphire credit card to make a purchase at XXXX XXXX in XXXX, CA. I made a purchase of {$540.00} at the store and went home that night. 

XX/XX/21 around XXXX XXXX  : I called Chase to report that my credit card is missing and that there are fraudulent charges on the card. The Chase representative went over the charges one by one with me for the past two days and assured me that the fraudulent charges will be taken care of. The fraudulent charges consist of {$200.00} at XXXX XXXX, {$410.00} at XXXX, {$520.00} at Theory, and {$1300.00} at XXXX XXXX, for a total of {$2500.00}. 

XX/XX/21 around XXXX XXXX  : I received a call from Chase 's representative informing that my claim was denied because the transaction time between what I reported was a my legitimate transaction and what I claimed was the fraudulent transaction at XXXX XXXX was too close to be possible. The representative claimed that there was only 21 seconds between my transaction and the fraudulent transaction. I tried to explain that anything could have happened within the 21 seconds. I tried to give some hypothetical scenario and the representative accused me of " changing my statement. '' The representative then told me that I can appeal the transaction but then based on the " evidence '' that Chase collected the claim was denied and I was implied to have defrauded the bank. 

I contacted a sales representative from XXXX XXXX, the store where I believed I have lost my credit card, and asked for assistance. 

XX/XX/21 : In my credit card history I can see that the previously reversed charges have been placed back into the amount that I owe on the statement. 

XX/XX/21 : XXXX XXXX XXXX sales representative was able to confirm that the two charges on my card at the store had a time gap of approximately 21 mins and not the 21 seconds that Chase 's representative stated found in their record. They also said that they have record of the transactions having different customer ID and different recorded customer information. Also they were able to prove that the two signatures on the two transaction was completely different. With this information I have filed a police report with the XXXX Police Department. 

XX/XX/21 : I have emailed the case representative and Chase about this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01
Company: Absolute Resolutions Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Got an alert from a credit monitoring service that a collection was placed on my credit report. I called the number listed on my credit report to see what it was about and explained to the gentleman that I never received any notification of ANY type of debt or any request for payment. He proceeded to rudely tell me that this debt had been to several other collections agencies ( untrue ) and now it was with them and I needed to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: HUNTINGTON NATIONAL BANK, THE
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: Account information incorrect

Complaint:
On XX/XX/XXXX a repo company tried to come to my mother 's house and repossess my car. My mother is a XXXX XXXX herself for a local XXXX XXXX and works with this company so was obviously completely embarrassed and called me right away. I was told that they were coming within 24 hours to take my car because Huntington said I had not paid on it in 3 months. Long story short I have always gone through the drive through since my branch was XXXX XXXX and paid my car loan. For the last 3 months whoever was working the drive through window put my payments on the WRONG ACCOUNT. I called and was told I needed to bring proof that I had paid. I got my bank statements and printed out the cancelled checks and took them in. They never apologized and acted like it was no big deal. I told them I needed a demand letter stating exactly what happened ( this is in my BBB complaint ) and for my credit score to be wiped clean ( it had significantly dropped due to these fraudulent " missed payments '' ). I was assured of all of this. After filing a complaint with the BBB, someone called and said that they still had no idea why my payments went into the wrong account ( so now I have to worry every single month when I go in to pay ) and that my credit report was fixed. Just looked at my credit report and it is fixed for XXXX 's payment fur XXXX 's payment is still showing missed and my credit score is still significantly down. I 've still never gotten an explanation or apology from the branch and my mother being a XXXX XXXX is appalled at their business practice and I 've asked for a credit multiple times and have been ignored. Why are they able to benefit off of my money and go on with their " business '' as they 're wreaking havoc on my life and causing me unwarranted stress. I need my credit report wiped clean of this immediately, and once again feel I should get some sort of credit to my account for all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Perfection Collection
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account on my credit report has been reaged and is not reporting the correct information. 
Date opened is incorrect and account numbers do not match what is being reported on my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CNG HOLDINGS INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Had Identity theft XX/XX/XXXX. Thief applied ( and succeeded ) for many things, this being one of them for {$1400.00}. Received a debt collection bill on XX/XX/XXXX, Disputed the claim. They are still sending me collection notices. Credit report is severely affected due to this, Can not move house or purchase anything on credit. 

Collection agency sent me documents stating it proved the debt. Noe of the documents had my signature nor photo id, nor anything that proved the debt was mine. 

Fraus alert was issued XX/XX/XXXX. This fraudulent debt occurred XX/XX/XXXX. There was no due diligence, nor phone call made to my direct line upon approval of this 'credit '.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY wrong address please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX XXXX has taken over 4 of my loans and I have been making monthly payments since XX/XX/XXXX. My payments started out at {$220.00} and now they have doubled and just increased again. This is outrageous as a single mother living/working in one of the most expensive areas in the United States. I am suppose to be on the 120 payment plan meaning that I have 87 more payments to make and my loans should be paid off, but 3 of my loans are showing that I still have 97 more payments. So the XXXX XXXX is taking 10 extra payments from me with no prior acknowledgment? This is outrageous especially for a person who has consistently paid them each and every month since XX/XX/XXXX even at their outrageous repayment options that make it difficult to afford day to day expenses. My 4th loan they have is also my largest loan amount with the highest interest rate. This loan started at {$20000.00} and is now at {$21000.00}. I feel like they have purposely taken my payments and applied them to the loans with the lesser interest, thereby causing my 4th loan to increase and forcing me to owe more money.

The XXXX  was contacted on XX/XX/XXXX and they corresponded with XXXX XXXX on my behalf. XXXX XXXX only responded that a formal response will be sent because a Consumer Relationship Analyst Team is diligently researching this issue and the XXXX complaint was marked unresolved. I still have not received anything in the mail from them. I think this is funny because it only took XXXX XXXX  one week to recalculate my new increased payment amount but they still haven't contacted me regarding my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit freeze, identity theft hold on my credit profile. XXXX is reporting credit inquiry from XXXX XXXX/XXXX XXXX XXXX, XX/XX/2018. I have mailed a request to XXXX to remove, they failed to follow procedure with credit freeze, identity theft on my profile.

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 2018-10-02
Company: AMERICAN EXPRESS COMPANY
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:
XXXX client, XXXX XXXX is a victim of identity theft. She reviewed an XXXX Credit report and found an inquiry made under a fraudulent application submitted XX/XX/2018 to American Express ( XXXX ).  This item is being report to XXXX credit reports. An official dispute of this inquiry was mailed certified with return receipt to XXXX XX/XX/2018 however that inquiry is still being reported to her XXXX credit reports as of today and XXXX has failed to reply to the status of the investigation as is their obligation under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had a PNC checking account for many years. I am a service member in the XXXX and have had my direct deposit with them for quite some time as well. In late 2015 I unfortunately got XXXX to serve the country in XXXX with my unit. While XXXX  there were many fraudulent transactions that occured on my checking account that brought it to a negative balance and closed it out completly. There seem to have been debit card usage and my acount number may have been compromised as well. i do remeber my last direct deposit of my job was a deposit of {$1200.00} and i was under the impression that the amount would be available once i returned back stateside after XXXX. Once I arrived stateside I was notified when I called into a local PNC branch that I no longer had a active checking account and that it was charged off for a few dollars meaning that my funds were taken as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ON XX/XX/XXXX DIVERSIFIED CONSULTANTS OPEN A COLLECTION ACCOUNT ON MY CREDIT REPORT. ALSO THIS ACCOUNT WAS ALREADY REPORTED BY ANOTHER CREDIT REPORTING AGENCY XXXX BACK IN XX/XX/XXXX. THEREFORE IS VIOLATING MY RIGHTS AS A CONSUMER IF ACCOUNT IS SOLD TO THE DISVERSIFIED CONSULTING AGENCY WHICH HAS AGREED ON XX/XX/XXXX TO REMOVE THE ERROR OF REPORTING TO MY ACCOUNT. I WANT COMPLETE RESOULUTION TO THIS MATTER AND HAVE THIS UNFAIR REPORTING VIOLATING MY RIGHTS AS A CONSUMER OFF OF ALL OF THE CREDIT REPORTING AGENCIES XXXX, XXXX AND XXXX. PER XXXX XXXX THIS IS SUPPOSE TO BE RESOLVED BY XX/XX/XXXX. PLEASE ADVISE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX I log into my bank of america account online and saw some transactions that i did not make. I suspended my card so no transactions can be made. Call bank of america right after and while i was on the phone waiting i log back into my online account to look at the transactions again. But this time i wasnt able to. After waiting over an hour i finally got through to a customer service lady and was told i cant file any dispute until my account is not frozen. Was told XXXX did this because identification problem. So i ended up waiting over the weekend. By monday XXXX XXXX i check and was able to log back in. So i call the bank and after waiting over 2 hours i was transfer to fraud department and the lady file the disputes for me. Told me that i will get a letter in the mail within 5 days and for me to sign it and return it asap. So much was going through my mind. But i trusted the bank and did what she told me to do. I call in everyday to check the status of my claims everyday i waited over an hour and was told to just wait. So today 4 days later i call bank of america and after waiting 2 hours a lady in the claims dept answer. Her name was XXXX. She told me that last night XXXX XXXX at XXXX XXXX  close my account due to unemployment fraud so because of that my claims that i made monday got dismissed never work on or look at. I cant file another claim. We both went at it for over an hour by this time i was crying yelling trying to understand whats going on. Because my account was reopen on monday thats why i was able to make the claims and today XXXX tells me that my claims were dismissed due to XXXX  frozen my account. First of all my money in ny account where is it. Am i suppossed to just let it go? No someone stole XXXX out from my account and youre telling me theres nothing i can do? She kept on telling me that because their system pick that up from my account my claims were automatic drop. Wow i couldnt believe it. I just want my money. Thats all. I dont even know what to do at this point. XXXX told me that a police report wouldnt even help. So my money is gone. Its not right at all. I dont know what to do.

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 2021-11-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 my Stepson " XXXX XXXX XXXX '' suddenly passed away, I've been devastated, my family and I have been completely distraught, then on XX/XX/2021, I received an alert from my Experian monitoring service that American Express reported me 30 days late to the Credit Bureaus, I immediately contacted American Express paid the past due balance, American Express waived the late fee, however the agent said they could not help me with the late postings to contact their disputes department. I had no idea a payment was due for this account, I had paid the account in full on XX/XX/2021, I didn't receive my American Express monthly statement, I didn't receive any late notices or telephone calls from American Express. 
My credit score dropped drastically because of this late posting, I've had a perfect payment history with American Express and all my accounts, I've never once had a late posting to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage paid in full on XX/XX/2020 and no refund of escrow account in the amount of {$6500.00} has been received nor proof of payment/mailing provided by Lender. Contacted Lender by phone on XX/XX/2020 and XX/XX/2020 and still not proof provided. As of date of this complaint, it has been 27 business days since load paid in full and Lender has failed to meet the 20-day rule per to 12 CPF Section 1024.34.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date Opened XX/XX/2016 by DESIGNED RECEIVABLE SOLU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX For original creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX ) For a hospital visit. At the time I went to this hospital for a visit, I had XXXX insurance / XXXX XXXX XXXX ( XXXX  XXXX XXXX ). 

Insurance already paid this bill : Balance {$3400.00} Original Amount {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Kashia Services
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a personal loan for a total amount of XXXX. The representative did not disclose the interest rate of 776 % to me during the initial phone call. After reviewing the financial agreement I will be paying a total of XXXX back which is extremely high. I took my loan out on XX/XX/2020

Company response to consumer: Closed with explanation