BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-19
Company: KEYCORP
State: DE
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 moved from XXXX XXXX to XXXX, went to XXXX DMV to transfer my vehicle tags and registration and was informed to fill out a " Request For Title From Leinholder/Leasing Company '' which I did and was originally faxed on XX/XX/2019. A few weeks later as my temporary tags are about to expire, I realize my request still hasn't been processed and make multiple calls to Key Bank for details. I'm constantly being told the request is still in processing and end up having to pay for a second temporary tag because what was supposed to be a 3 week process, still has no end date. As the second temporary tags neared their expiration date, I began calling customer service more frequently wondering what was causing the delay. During one of these calls, I was told the hold up was XXXX DMV lost the title. It's now XX/XX/2019 and I still haven't had my request processed, I'm now on my 3rd and final temporary tag. I was told the process would have been completed no later than XX/XX/2019 via XXXX from customer service, but that date has long passed with no resolution. I was asked to fax a second request in order to have a fresh one on file, so faxed the form again on XX/XX/2019. On XX/XX/XXXX I spoke with XXXX and was informed they had everything needed to process request and I would take 20 days. XX/XX/2019 I contact Key Bank and speak with XXXX. XXXX states they sent numerous emails to XXXX DMV and they have not responded, he also suggested I call XXXX DMV and provided me with the phone number. I immediately call XXXX  DMV and the woman I spoke with told me they don't hold liens on titles and if Key Bank lost the title they can send a request for a duplicate which takes 4 weeks. She also looked the vehicle up in the system and said there is no record of Key Bank ever requesting for a title. I now proceed to call Key Bank back, they refused to let me speak to XXXX, but transferred me to XXXX who tried to give me the same " in processing '' story. On XX/XX/XXXX my temporary tags will expire and I will be unable to drive a vehicle I'm currently making payment on due to the negligence of Key Bank not fulfilling a request that should have only taken 3 weeks and currently about to go into it's 6th month with no end in sight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-20
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
XXXX allowed it venders to charge to my account item s which I did not order causing to go over the limit without notice it was reported the credit reporting with out notice or opportunity to pay overages no notice be fore the Hume was done the item I ordered some there was lot I did not order nor were on my order

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
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:
TODAY XXXX I SPOKE WITH EXPERIAN REPRESENTATIVE REGARDING THSI ISSUE, BUT THEY STATED THAT XXXX XXXX XXXX, THE COMPANY IN QUESTION, DOES NOT PROVIDE TELEPHONE SERVICE FOR THIS ISSUE AND MUST BE DEALT WITH VIA E-MAIL THE E-MAIL THE EXPERIAN REP PROVIDED TODAY WAS XXXX I AM CONCERNED THAT THIS WILL LEAD NOWHERE. 

MY WALLET WAS STOLEN WITH ALL MY CREDIT CARDS AND MY DRIVER 'S LICENCE HERE IN FL ON XXXX. I FILED A POLICE REPORT SUBSEQUENTLY, HOWEVER, I CALLED THE POLICE AND THEY STATED THAT NOTHING HAS BEEN DONE ON THIS RESPECT. 

NOW A NEW ACCOUNT IS SHOWING UP ON MY CREDIT REPORT STATING THAT XXXX XXXX XXXX. OPENED A NEW ACCOUNT FOR ME AND THAT WAS DONE ON XXXX OF THIS YEAR

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 2021-04-16
Company: Midwest Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX debt was reported to collection agency, Midwest Credit Collection. XX/XX/XXXX the agency reported a {$1.00} increase which caused my score to go down. XX/XX/XXXX they reported a {$1.00} decrease and today XX/XX/XXXX reported another increase of {$1.00} which made my score drop another XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.

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 2017-11-06
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I received an offer from American Express XXXX AMEX ) to apply for the Platinum Card, which is {$450.00} a year. As part of this offer, they promised XXXX bonus points, if I charge {$20000.00} within the first three months. I accepted this offer and received the card. 

After receiving the card, I asked about this points offer, and they told me that I would not be getting it, as I 've had an AMEX Platinum in the past. Never during any of the application process was I notified of this, nor is it a stated condition on their website. AMEX imposed this condition *after* I had accepted their offer, and tolerated a hard credit pull.
AMEX must honor the offers that they make. Businesses can not make an offer, have it accepted, then reneg. This is flatly against the XXXX, and is probably illegal. 

If I had not noticed this issue, and proceeded, I would have been out {$450.00}, plus another {$600.00} or so from points I would not have received from another card. So I was on the hook for about {$1000.00}, if AMEX were to get away with this. 

They have offered no remedy at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed this account many times every time it 's about the late payments reporting. After many attempts to get this fix I hade a due date change which took months for this company to figure it out. After speaking with multiple supervisors they finally agreed to remove the late derogatory marks off my credit report due to the fact that it was not my fault that it took there company so long to make the change for the account. Also I do have proof that they agreed to remove the derogatory marks off my credit. This is the only negative account that I have on my reports and this is hendering me from purchasing a home. WellsFargo need to do better by there customers. My account has been current and on time since they did the change.

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 2019-08-06
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX confirmed to me today that there should be no late payment on my account. My loan has been paid in full. I need this removed immediately, as it has erroneously dropped my score significantly. I no longer qualify for a mortgage that I qualified for before this error was reported. I have asked the credit bureaus to investigate, but even though XXXX confirmed via phone today that there was no late payment, it is still being reported on all three bureaus, effectively stopping me from buying a home.

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 2022-02-09
Company: DISCOVER BANK
State: CA
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:
Discover Financial Services continues with their systemic institutional XXXX oppression XXXX inequality procedures in improperly ordering a unauthorized hard credit report inquiry on my credit reports WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate hard inquiry from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28
Company: Experian Information Solutions Inc.
State: UT
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 signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with XXXX. XXXX XXXX XXXX, XXXX.. They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.

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 2017-11-06
Company: EQUIFAX, INC.
State: VA
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: Didn't receive services that were advertised

Complaint:
Since XXXX XXXX, I have been trying to get Equifax to confirm I have been enrolled in their TrustedID service in response to the data breach. Previous to that date, I followed the instructions and applied for the service as directed by Equifax. I also contacted their customer service number by phone to enroll and was told I would be receiving an email confirmation. That email never came. I followed up with several emails. I was last contacted by them on XXXX XXXX where they stated XXXX in the email ) that I would be contacted by a representative. I have not been contacted despite having sent them follow up emails on XXXX and XXXX. I have the case number and incident number they provided in their last response to me on XXXX and will provide it to XXXX as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.

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 2021-10-20
Company: Bepensa Capital, 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:
ASF Acceptance Llc has an account that was fraudulently obtain in my name in the amount of {$11000.00}. I have reached out to the above mention company for several years upon being aware that I was a victim of fraud. I have emailed supporting documents, I would also like for this to be removed from all three credit report bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Follow up to previous complaint XXXX XXXX XXXX XXXX XXXX responded to my complaint that I have listed. Afterwards, i placed a phone call to XXXX XXXX and was told that they no longer have this account and have requested that the credit bureaus delete this item from my credit 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 non-monetary relief
Consumer complaint received 2021-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2017-12-28
Company: EQUIFAX, INC.
State: UT
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 signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with XXXX. XXXX XXXX XXXX, XXXX They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Bread Financial Holdings, Inc.
State: AZ
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:
Comenity Bank is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Comenity Bank report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Comenity Bank please take leniency on my hardship and remove any XXXX and XXXX lates as a one time goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a payment from my bank account on XX/XX/XXXX to XXXX XXXX Credit Card. They received my payment on XX/XX/XXXX. The Due date is XX/XX/XXXX. I was online getting ready to make my XXXX payment when I saw the late fee. They said I am late because they applied the payment on XX/XX/XXXX, even though they received my payment on XX/XX/XXXX. I think this is illegal and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Verisk Analytics Inc
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My first communication with Lundquist Consulting, inc was XX/XX/21. The second time was XX/XX/21. The third time communicating with lundquist consulting inc was XX/XX/21. 

I requested Lundquist Consulting, inc to provide me their method of verification and inaccurate information because the bankruptcy LCI is reporting unlawfully and sharing to the XXXX credit agency, and breaking the law. LCI is breaking law because I have the RIGHT TO PRIVACY because the only institution allowed to publish my information is the United States Bankruptcy Court District of Massachusetts Eastern Division, and the website of Pacer.gov. 

Lundquist Consulting , inc broke the law THE RIGHT TO PRIVACY BY THE FCRA, and didnt help me, and didnt remove the inaccurate information reporting. 

Lundquist Consulting , inc Reply me with the same copy paste letter tree times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked them to verify my debt and they have not done. They sent a letter to collect debt with interest. I've sent three letters to them to verify y debt and they have not to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I live in multiple countries. ( XXXX XXXX, XXXX & XXXX ). I travel allot since my business is located in XXXX. 

I used PayPal to transfer money between these countries, and then deposited the money into the local bank so that I have money available to use in that country whilst I am there. 

In early XXXX, I sent myself money from my XXXX  XXXX PayPal account to my XXXX PayPal account. 

When the money arrived, I noticed that PayPal had charged me a fee of XXXX for the transaction. PayPals website specifically states that I will not be charged for a transaction between personal accounts. I contacted the customer support, who agreed that there was an error and told me that they would refund the transaction fee. 

On the XXXX XX/XX/2022, I contacted them again to ask when they would be refunding my fee, and within two minutes, I received notice stating that they have seized all of my money and closed my accounts. 

On XXXX XXXX, I received a notice stating that my funds are available, and yet I am not able to get the money from PayPal into my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is a new complaint to follow up on previous claim ( XXXX ). 

SunTrust Bank ( Now Truist ) responded by filling a Fraud claim with their fraud department and notifying me on XX/XX/2021 with the fraud case number ( XXXX ) and that they will update me within 15 days. 

The case involves a reissued Escrow check that was allegedly mailed to me however was cashed by another individual. 

I received a copy of the cashed check from SunTrust on XX/XX/2021. The endorsement on the back of the check ( bank routing number ) indicated that the check was deposited via ATM of XXXX XXXX XXXX XXXX ( XXXX ) bank account. I verified the information with XXXX  and they confirmed routing number belongs to them. I included that information in the police report which I submitted to SunTrust and XXXX. 

Since I haven't heard any follow up regarding the fraud claim, and after may attempts I was able today XX/XX/2021, to get through after 2 hours on the phone to find out that they send an affidavit ( which is the next step after initiating a fraud claim ) to the involved bank, supposedly XXXX  ... however they sent the affidavit to ( XXXX  XXXX XXXX )! which has nothing to do with cashing the check nor do I even bank with. 
I can't get through to anyone who is in charge to talk to and follow up. Every time is a struggle to communicate with them, the only good thing is the customer service representative who assisted me finding the information today about sending affidavit to XXXX  XXXX XXXX. 

I fear that they will close the case with no resolution due to their incompetency and inability to even read their own documents ( endorsement on the back of the cashed check and run a simple Bank Routing Lookup ) not alone my police report, and I will be out of my money ( {$690.00} ). 

In the meanwhile, from my communication with XXXX, they are waiting to receive commination from SunTrust to start the process at their end. 

I am at the end of my rob here and not sure 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