BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern ; As you well know, I have had a plethora of incidences where I have reported and subsequently disputed items on my credit report as both fraudulent or not mine. Upon reviewing my most recent disputed items and their completed status, I have come to realize that some new items are now reporting on my credit report that are certainly not mine. The following I am currently disputing as FRAUD. These accounts, inquiries, collections, etc. have been wrongly reported in my name due to being fraudulently opened in my name. Please dispute them accordingly. 

COLLECTION - XXXX XXXX Account : XXXX Original Creditor : XXXX XXXX Date Opened : XXXX Amount owed : {$2800.00} INQUIRIES - XXXX XXXX  Date : XXXX/XXXX/XXXX ADDRESSES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thanks you for your help with this matter. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: SYNCHRONY FINANCIAL
State: IL
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:
Syncb has XXXX credit inquires ( XX/XX/XXXX & XX/XX/XXXX ) on my credit report that were not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: ALLY FINANCIAL INC.
State: OR
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:
I recently refinanced my vehicle loan with Ally Auto ( Account XXXX XXXX ) to another financial institution to lower my interest rate. As part of the refinance, I cancelled my service warranty with XXXX XXXX. A prorated refund of the service warranty in the amount of {$880.00} was remitted to Ally Auto on XX/XX/XXXX. Ally applied this to future installments. Then the loan was paid in full on XX/XX/XXXX. 

On XX/XX/XXXX I contacted Ally Auto using their in app messaging feature, to receive an estimated time frame to receive my overpayment. Ally Auto wrote me back on XX/XX/XXXX, stating that it was taking them more than 40 days from the paid in full date to begin processing overpayment refunds, and then an additional 7 to 10 days to mail the check to the address on file. They did not apologize, nor did they offer an alternative way to receive a refund given their delay. 

I still have GAP insurance with XXXX XXXXXXXX that I want to cancel. XXXX XXXX informed me that they would send any refunded amounts to Ally Auto, even though the loan is paid off and they are no longer the lienholder, and I apprised them of Ally 's delays in processing overpayments. This process will mean an additional delays of overpayment refund amounts. I know that any undisputed mortgage overpayments have to be remitted to the borrower within a two week time frame. I don't see how a vehicle is different. 

I understand that the pandemic has put many organizations under stress, however financial services is not directly impacted by supply chain shortages or labor shortages like other industries. As soon as these bottlenecks began to occur, Ally Auto should have adjusted their staff or their processes to compensate. I'm growing tired of the pandemic being used as an excuse to justify terrible service and disorganized management. This has been our shared reality for nearly two years, it's time to adapt.

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 2019-05-02
Company: Financial Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reported this XXXX XXXX bill and a collection company called XXXX XXXX for trying to collect on an account opened by ID theft. Soon as I filed my complaint with CFPB XXXXXXXX XXXX sold this account to this new company called XXXX XXXX XXXX , XXXX XXXX XXXX was provided numerous time of the Police report case # and FTC case number for ID theft. Police report and FTC report completed on ID theft for this account. XXXX FL PD Case # XXXX, Officer XXXX, Badge ID # XXXX and FTC  case # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: ID Analytics, Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
I received a credit denial today from a bank when I was trying to finance a car. There is a credit agency called SAGE STREAM that I 've never heard of. When I find them on the internet and ask to see my report I have to send in a letter with a copy of my DL? One the reason they denied me was limited history for consumer at the this phone. I 've had this SAME number for 15+ years. Then it states too many recently opened accounts and then too few active accounts?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is an incorrect address on my report : I have not lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Ga 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 2022-01-19
Company: Business Revenue Systems, Inc.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am an XXXX XXXX XXXX college student. I found out this minor bill today when my mom opened my mail with my permission. The original bill is under {$50.00} and I can pay that had I known. Now i'm being sent to collections for double. I want to pay the {$40.00} and move on with my life and career in college. Please call my mother as I have given her the money at XXXX to pay. ( XXXX ) XXXX ask for XXXX XXXX. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CAINE & WEINER COMPANY, INC.
State: MO
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:
The story started back in XX/XX/XXXX. Someone had set up a XXXX  credit card account and had my name and Social Security number ( I suspect ). They used my company address, phone number, and my company email address. They used an email address that is not mine : XXXX. They used a phone number ( XXXX ) that, when XXXX, is to a XXXX XXXX XXXX I am an XXXX I do not run an XXXX XXXX And XXXX XXXX  called me and said this is whats going on and I said that it was not me. I filled out a form for dispute resolution department at XXXXXXXX XXXX. I marked " I am requesting that my response be attempted for this dispute I understand that the issuing bank does not accept my response that I will be charged the XXXX pre-arbitration fees imposed up to $ XXXX '' See pdf file attached. And that was the last I heard from them. They accepted that and said to file a police report. We tried to file a police report. But the XXXX XXXX County police department would not accept a complaint because there was no harm done to me, there is nobody to chase, and it was not in XXXX XXXX XXXX. Now XX/XX/XXXX XXXX being contacted by a collection agency for {$6200.00}. I was told by XXXX XXXX to file a fraud alert with my with three credit monitoring companies. I have done that. 
The XXXX  reference number is XXXX. The XXXX number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I 've been a Chase bank customer for over 15 years, I 'm a XXXX  XXXX year old man and any small amount i lose is considered a very big deal. On the XXXX of XXXX 2017 XXXX XXXX i woke up to a message from Chase notifying me that there has been a withdrawal of {$200.00} even though there were 3 consecutive withdrawals of {$800.00} before that. I opened my account to see the activity, turns out there there was a check deposited first before the withdrawals and then it was withdrawn right away before the consecutive withdrawals. I called the bank immediately to notify them it was n't me that did these transactions and they asked me to fill out a form so that they can start the investigation.They then sent me an email saying that according to their investigation, it was an authorized withdrawal and that done by my card with a chip and used my pin. At that time I was sleeping and my card, the only card i have was in my wallet. They could 've easily realized that in the past 15 years banking with chase, i never withdrew an amount this big, used my card or deposited a check at that time, or used that specific bank. Also the signature at the back of the check that was deposited does n't mach any of my previous signatures. So i made a police report and gave chase my complaint number, but again they were very careless and did n't help in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-07
Company: United Credit Education Services
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Ive been with the company since XX/XX/20 and havent seen much improvement in my score. Last I checked it was XXXX, Im not satisfied and would like a full refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-24
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Last XX/XX/XXXX I received a letter from Barclays Bank demanding payment on loan for XXXX XXXX XXXX XXXX. I returned their letter with handwritten statement explaining I tried using the vacation club to no avail even after speaking to Manager to fix the problem. Payments were to be automatically removed from checking account. Went back to XXXX office again to discuss issues but manager didnt have time for me and was to call me, which never happened. Why should I pay for something I cant or allowed to use as sales pitch promised. Felt from the very beginning I was being scammed and as a XXXX year old female, I still feel this way today. 

Now yesterday I received a three-day notice. We are seniors battling XXXX fight and dont need added stress to something I tried to resolve from beginning two years ago when first purchased this vacation plan.

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 2018-01-05
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received medical services in XXXX of XXXX. I gave XXXX my insurance information before seeing the doctor and made my co-pay. I received an annual exam which is covered by insurance. Over a year later, I received a bill in the mail from XXXX and learned that they had failed to timely bill my insurance and were now coming after me personally to pay them. Over the course of that year, my insurance provider ( through my employer ) had changed. I informed them of the error and let them know that they needed to bill my former insurance, or write it off, because it was their billing error and these were covered services. I had no idea that they sent it to collections instead. I never received a notice or option to dispute from " CALIFORNIA BUSINESS BUR '' who now shows 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 2022-01-19
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am writing to bring to your attention the continuing refusal of FedLoan Servicing XXXX XXXX  ) to certify my Public Service Loan Forgiveness ( PSLF ). I've written to you about this matter in XXXX, XXXX, and XXXX. FedLoan continues to fail to resolve the situation, though the problem they articulate changes. Even with the recently announced changes in the PSLF program, XXXX has demonstrated a pattern of systematically denying PSLF relief, exhibiting frequent careless errors, lack of communication, lack of transparency, and poor service. 

Despite 17 years working in public service amounting to at least XXXX qualifying payments, FedLoan has to date credited me with only XXXX payments. I am burdened with over {$35000.00} in student loans, most of which I have carried since I graduated as an undergraduate in XXXX. This large debt, combined with my choice to make a relatively low income in public education, has prevented me from getting housing loans due to my high debt-to-income ratio. 

In the last round with FedLoan, I did a full accounting, re-submitting employment certification for at least XXXX qualifying periods, waiting for two months for an answer from FedLoan. They responded with 7 letters, detailing non-existent errors in the certification forms ( allegedly missing XXXX and answers that are clearly provided on employer certification ), neglecting important details ( overlapping employment ), denying me once again PSLF relief. I resubmitted my PSLF Application and Employee Certification. When I tried to call FedLoan 's customer service, I waited more than XXXX hrs before my call was suddenly dropped. 

Please look into my case once again and see if we can help not only my case, but the hundreds of thousands of borrowers that FedLoan is withholding their rightful Public Service Loan Forgiveness. 

Thank you for your time, attention, and advocacy. I have attached a few relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I'm in escrow this week and need to deposit XXXX into my escrow account. I deposited a check for {$4600.00} with Wells Fargo and I was told the money would be there today XX/XX/24 however when I logged on to look the money is nowhere to be found. There is no pending deposit or a record of the deposit. I called Wells Fargo and showed them my emailed receipt and they said it would take 10 days to resolve. Meanwhile I need to move forward with my escrow. This is unacceptable and I want someone to answer me as to what went wrong and more importantly I need a speedy resolution.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
don't remember the specific dates but it was on news how negligent the credit bureau has been.

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 2019-05-02
Company: Experian Information Solutions 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:
XXXX XXXX is my name my social is XXXX The negitive account with XXXX XXXX supposed to be block from showing on my credit report i summited police report to Experian fraud dept .but the 3 accounts ate still showing on my credit report. Please have Experian block these three negitive accounts from showing thank you

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 2017-07-31
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My previous complaint number is : XXXX A Navient Representative called me and was very pleasant. However, the name and number of the representative is not in my daytimer as I was driving when she called. My request was quite simple : Send me paperwork to begin my repayments. This has not been done. Instead what I received via email [ which I DO NOT WANT ] is a generic email entitle " What We Talked About Today '' but does not really delineate the actual conversation. Subsequent to that I receive another generic letter stating that I could go online and download paperwork for loan repayments or I could call a voice automated system and request paperwork. Voice automated systems do not understand my voice. What I want is very simple : A. If Navient needs to call me DO NOT CALL BETWEEN XXXX AND XXXX CST. Again, DO NOT CALL BETWEEN XXXX AND XXXX CST -- what is so difficult to understand about this request? B. Send me paperwork to fill out to begin repayment? Why can this not occur?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
I contacted all creditors in this Matter XXXX XXXX XXXX and USAA and informed them that my identity, wallet was stolen and fraudulent activity took place while I was oversea in the Military. I have filed police reports submitted consumers reports and the debts were removed and return. The debts are not mine as they are fraudulent. On ( XX/XX/2017 ) I discovered ( negative credit items with XXXX XXXX and USAA had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. The data is wrong and both the reporting agency and bureau are not following guidelines adhering to FCRA. If this matters are removed I will have not choice but to file a lawsuit against all parties involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
On several occasions I have contacted all 3 credit bureaus and I have asked for late payments to be removed because payment was lost in mail for XXXX and XXXX pay.ents 2017 so O should have only 1 late payment over a 5 year period with the auto loan. I spoke to a representative from Ally Financial and was told that my account would be updated to this day it has not been. Also they are reporting last payments as 4 months ago etc showing balances never going down etc, I have added remarks to my credit file which is a direct dispute under FCRA requirements

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 2018-12-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had tried to cancel the service, XXXX, from an annual subscription by doing a chargeback claim in XXXX. I had been charged XXXX as well as XXXX. I had been given back the XXXX but it was then informed that XXXX would not allow the subscription to be canceled. At this point, my account had been deleted so I had no way of unsubscribing from the service. I then reached out to XXXX via email support on XX/XX/XXXX where I had told them the issue of my subscription not being active and also had not been given back the payment of XXXX. They then immediately reactivated the account where I was able to watch 2 movies in the month of XXXX on the XXXX and XXXX. Going into XXXX my account again would not allow me to use the services and requested that I pay an additional fee with each movie. Fast forward to XX/XX/XXXX, I looked at my bank transactions and XXXX is still charging my card as if I was paying for a month to month subscription when I was initially charged for an annual one.

Company response to consumer: Closed with explanation