BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have A XXXX XXXX  on my credit report which is reporting wrongly. 

I have reached out to all three bureaus and XXXX XXXX to make the necessary changes which they have not done. The bureaus are not consistent with which months they are reporting late. If they did a proper investigation they would all match up to be the same months. Which leads me to be concerned that it may all be  inaccurate. 

.

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 2018-02-23
Company: Experian Information Solutions Inc.
State: NV
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am having HUGE issues cancelling Experian Credit report service. I have tried numerous times between XXXX XX/XX/2018 to XXXX XX/XX/2018 to call the numbers provided as well as send emails to XXXX to get my recurring billing canceled. Each phone call they say I have over an hour and a half wait time, sometimes even 2 hours. They have not responded to my emails and there is no other way to cancel online. I DO NOT want this service to continue to charge my credit card XXXX dollars a month for something I get for free through my credit card service. They are IMPOSSIBLE to get a hold of and from the XXXX reviews and other reviews online I'm not the only person having this issue by a long shot. I have since called my credit card to have them put a block on this service but would really like to cancel it though Experian.

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 2018-08-23
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: Was not notified of investigation status or results

Complaint:
I have contacted Experian on several occasions throughout the past two years to clear up incorrect information that is showing on my credit report. The dates are as follows XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have contacted them via certified letter and via phone with no help on either end. I have asked them to validate the debt that is appearing on my report, because it shows as fraudulent information. They have yet to send anything in writing as to how they are finding information to be accurate and true on my credit report. The only response I have gotten is that they will not re investigate this matter, which is very unacceptable.

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 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I never had a bill with this company and was not aware of this debt, this debt keeps on reappearing on my credit report and I was never notified by mail or phone or email correspondence.

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 2018-08-23
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: Account status incorrect

Complaint:
The following credit card accounts have an incorrect balance. All the accounts have a XXXX balance. 

1. XXXX XXXXXXXX XXXX XXXX XX/XX/2018 97 % Balance : {$290.00} / {$300.00} 2.  XXXX XXXX Reported XX/XX/2018 47 % Balance : {$93.00} / {$200.00} 3.XXXX  XXXX XXXX XX/XX/2018 47 % Balance : {$470.00} / {$1000.00} 4. XXXX XXXX Last reported : XX/XX/2018 {$990.00} Good 5. XXXX Last reported : XX/XX/2018 {$600.00} Good These account below have a incorrect balance. 

AUTO LOANS 1. XXXX Last reported : XX/XX/2018 {$44000.00} Good 2.  XXXX XXXX XXXX Last reported : XX/XX/2018 {$9200.00} Good 3. XXXX Last reported : XX/XX/2018 {$9200.00} Good The account below is not a charge off, account is being paid on. 

AUTO LOANS 1. XXXX XXXXXXXX XXXX Closed : XX/XX/2018 {$28000.00} Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On behalf of XXXX, SW Credit Systems L.P is trying to collect a debt I never owed. I never signed up for this company in the past or had any affiliation with them at any point. Under the FCRA this debt should be deleted off my credit report since it was not verified. On my credit report it is saying that on XX/XX/2016, the account was opened and is now saying I owe an amount of {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: KEYCORP
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
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:
In XXXX, I financed a car purchase through Key Bank, XXXX XXXX XXXX XXXX, XXXX. I paid off the loan completely in XXXX. In XXXX, when I attempted to sell the car, I discovered that the Indiana Bureau of Motor Vehicles continued to show a lien on the vehicle held by Key Bank. Despite my repeated requests, Key Bank will not release the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citbank {$400.00} promotion.

At Bank : $ XXXX  for 60 days. Promotion will hit on the 90th day after I deposit $ XXXX Phone call @ 90 Day Mark : $ XXXX for 60 days. Promotion will hit on the 90th day after the initial 60 days.

Phone call @ 150 Day Mark : $ XXXX   within first 30 days. $ XXXX for 60 days after the first 30 days. Promotion will hit on the 90th day after the initial 60 days. Then the representative realized she made a mistake and will have to push it to investigation. Someone will get back to me within the next 10 business days.

This is 100 % deception to have people open accounts and keep them open for as long as possible. Willing to enter class action law suit.

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 2020-08-21
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: Information belongs to someone else

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX XXXX XXXX., Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having major problems extending my forbearances on my properties. I have called LoanCare multiple times and have been told my 90-day extension is in progress more than once. In fact, I called XXXX, received emails ( attached ) on XXXX saying they were approved, letters in the mail ( attached ) dated XXXX saying my forbearances have been extended to XX/XX/XXXX ( so they've been extended to the past?! ) and still nothing. I called XX/XX/XXXX, was told they would need to be manually done, and still I'm getting emails saying I need to take action. I just called today, XX/XX/XXXX, and the representative told me there isn't even a record of anything the representative did on XX/XX/XXXX and that the system says I have exceeded my 540 allowable days, but that isn't possible because forbearance programs didn't even start 540 days ago ( she suspected it was because my social security number is tied to 3 loans and so the system might be combining them all to " exceed '' 540 days ). She said she had to transfer me to loss mitigation ( even though that's the number I called ) and I've received no help. This has become extremely frustrating and now that XXXX is almost over and my forbearances with it, I am left wondering what is going on. My only options at this point have been to call back, file complaints with the appropriate government regulatory bodies, or reach out to other legal means because LoanCare isn't helping. This is for three loans : XXXX, XXXX and 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 2018-11-09
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A inquiry from Midwest recovery showed up on my report, shortly after I received notification of a collection of {$1100.00} was reporting on my reports. There is no account number or information present to contact an original lender to validate an debt owed. However there was also the lack of a 30 day notification of a debt, which is against FCRA. I researched company and found that that's this company is known to report collections without notifying consumer and allowing time to validate and/or dispute. I would like for this company to validate this debt by providing the type of debt, by including a contract with my signature and an original detailed bill. THIS COMPANY IS NOT TO CONTACT ME VIA MAIL, EMAIL, OR PHONE. ALL REPSONSES AND DOCUMENTS IS TO BE UPLOADED TO THIS SITE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: DISCOVER BANK
State: NM
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:
on XX/XX/18 I booked a hotel room with XXXX for 2 nights, I called to cancel the reservation and was given the run around by XXXX. I was told by a representative at XXXX that I had to call the hotel. I was unable to reach the hotel. I called XXXX back and was promised by the person on the phone that it would be canceled. When the charge was not refunded I disputed the charge with my credit card company and it was investigated. I received notice that the dispute was closed in my favor and the temporary credit would now be permanent. a few months later on I got a letter saying my discover card was being recharged the amount of {$220.00} because the merchant, XXXX sent them documentation based on the fact that I did not call to cancel. I have attached this documentation and it is illegible. I disputed again and yesterday I was notified that the charge was found valid. If I had not called and done a no show the XXXX terms state I would be charged 1 night and tax. i am being charged the full 2 nights which goes against the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: FC HoldCo LLC
State: NC
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:
This Company accessed my credit files with XXXX and XXXX on XXXX XXXX, 2016. I have written to the company requesting documentation supporting permissible purpose for these inquiries, as well as the Credit Reporting Agencies involved. Neither have produced any documentation to support permissible purpose. Accordingly, these inquiries should be removed from my credit files.

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 2018-11-09
Company: Synovus Bank
State: FL
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:
The company is XXXX XXXX, I've been trying to contact this company for more than a month because I can't use my credit card and there is credit available. The phone number listed on the back of my card never has a live person available no matter what day or time of the day it is and that is the only phone number available for this company.This company is very sketchy, it is prepaid because I gave the XXXX dollar to open this card about 3 years ago to help building credit and never a credit increase or nothing. Just interest charges for an account that I barely use because is only XXXX dollars. I just want my money back and this account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Monterey Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like for MONTEREY COLLECTION XXXX to show proof of verification that I owe them {$300.00} with ACCOUNT XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i Sent certified letters to the credit bureau over a the course of time for the last 3 months and haven't received any responses

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 2018-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a loan with XXXX to purchase a vehicle in XX/XX/2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted XXXX in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments in XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.

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 2017-11-08
Company: EQUIFAX, INC.
State: NC
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:
This company has accessed my credit file with Equifax on XX/XX/XXXX and XX/XX/XXXX. I have written to the company to request documentation supporting their permissible purpose for this access, and have not had a response from them. I have also tried to resolve this issue with Equifax, but they refuse to investigate disputes as required by the Fair Credit Reporting Act. If they did, they would note that I have never filled out a credit application with the automobile dealer who sent information to this company on XX/XX/XXXX. Accordingly, without documentation to support permissible purpose, these inquiries should be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
JP Morgan Chase closed my checking account and is holding {$15000.00} in a suspense account. I have reached out to their loss prevention team and they told me that those funds can be held up to 3 years. Not sure what will happen after that. Please help in resolving this and getting funds returned back to the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a monthly automatic payment on the XXXX of every month from my checking account with XXXX to my Capital One Quicksilver credit card for {$390.00} dollars. After logging into my Capital One account this month in XXXX, I noticed my payment had not posted but with XXXX it clearly showed as payment sent. I contacted Capital One several times to no avail. With the issue unresolved with Capital One, I contacted XXXX who provided the ACH trace number. I asked XXXX to conference in Capital One and they did. Capital One denied receiving the payment while XXXX swears they sent it. XXXX representative provided several numbers to Capital One who still denied receiving it. Capital One finally agreed to conduct an investigation on the issue. XXXX refused to provide the proof of the ACH trace number in writing. A few days later I contacted Capital One for a status update and an account manager stated they are back logged and it may take 2-3 billing cycles to fully investigate the issue. I asked them if I would pay interest on the {$390.00} as I like to pay the statement balance every month and Capital One said yes I will have to pay interest on any amount of the last statement balance left unpaid carried over to the next cycle. I informed the customer service agent with Capital One that the trace number, according to XXXX, is as good as a receipt but the agent refused to honor it and said I will have to pay interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Veteran trying to modify loan, started XX/XX/XXXX, was using XXXX XXXX XXXX benefits but amount is more since goes to school but bank wants EXACT! Have explained and fax and explained and email and still dont listen. Took of school va benefits and used XXXX  job pay stubs on XX/XX/XXXX changed the RMA form and faxed and emailed, always an excuse that cant read so emailed. On phone today XX/XX/XXXX for an hour, talk to rep at loss mitigation, then asked for supervisor was rude, so asked for someone higher, explained same information, was rude also, asked for someone higher left me on hold, re emailed again since keep saying fax no good! As a veteran, just trying to save home, this is the worst bank and is harrasment! So will keep complaining till someone will handle this account, veterans have resources but if bank can not read and rude reps something needs to happen!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/18, I went to XXXX XXXX XXXX XXXX  to pick up dry-cleaning. I paid {$79.00}. When I walked my 4 minute distance home, I discovered that not only did they not fix my zipper, but they lost my pair of pants that were {$50.00}.

I went back there to bring up the fact that they didn't fix items that I paid for, certain things weren't dry cleaned, and my pants were lost. They told me that they gave me my pants, but it must have fallen on the ground when I was walking, but that made no sense. 

I filed a claim with my bank because these are not the services I paid for, and they lost my pants. My bank denied my claim.

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