BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: MA
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts US DEPT ED XXXX. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$14000.00}

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 2018-11-04
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: Account status incorrect

Complaint:
I filed a complaint about XXXX XXXX and received a letter back on XX/XX/2018 that they would delete the TradeLine from 4 bureaus. 
All bureaus has deleted the TradeLine except Experian, in the letter it states give it 30 days to update on the credit report it is XX/XX/XXXX and the TradeLine is still on Experian. I have sent Experian the same document XXXX sent the CFPB, but instead they opened up a dispute and XXXX has came back and updated the TradeLine. 
I have called XXXX and Experian multiple times to get this situation resolved but neither will give me an explanation.

This TradeLine has to be deleted immediately it has hurt my ability to purchase a car.

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 2018-07-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently refinanced my student loan and the funds were sent to my loan servicer to pay off the balance over a week ago. They still have not applied the pay off amount to my account which leaves my previous account open and collecting interest! This is a shady business practice in an attempt to collect more unnecessary interest charges when the balance should have been paid off days ago. I am filing this complaint to make sure they expedite the process of them paying off my loan and attempt to reclaim the unnecessary interest being charged for the last 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt has been removed from all XXXX Credit Bureaus several times over the past 2 years and they keep submitting every 90-120 days after it has been removed. this is a Hippa Violation and a violation of my credit rights affecting me negatively after I've worked so hard to maintain good credit over the past 10 years. my score was XXXX when they started this. Please help or contact me as soon as possible @ XXXX or email me XXXX. Thank you. 

XXXX XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$200.00} XXXX XXXX account. {$200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$830.00} XXXX XXXX account. {$830.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I was looking to refinance my home. I entered my information of on a site that would give me options for a company to refinance my existing loan. Almost immediately I received a call from XXXX XXXX at AmeriSave Mortgage. I entered my information online and I spoke with XXXX on the phone. He promised me a rate around 3 % and conned me into paying a {$500.00} application fee. I paid the fee and XXXX was very difficult to get a hold of. I did call the company and left a message asking for my {$500.00} back, but I received no response. For the past few weeks, XXXX has been sending me almost daily automated emails asking for my homeowners insurance including a bill that show that I am paid in full and a statement with the replacement value. Each time I resend the information. The next day, I get the same automated email. I send the information again. No call, no explanation. I feel that XXXX tricked me in to paying the {$500.00} and I just want my money back. Thank you. XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
OnXX/XX/2020 I received an email from PayPal that they have permanently limited my account, the email reads as follow : " Hello, XXXX XXXX After a recent review of your account activity, we've determined you are in violation of PayPal 's Acceptable Use Policy. As a result, we've permanently limited your account.

Please remove all references to PayPal from your website ( s ) and/or auction ( s ). This includes not only removing PayPal as a payment option, but also the PayPal logo and PayPal shopping cart.

Per the User Agreement, when PayPal permanently limits an account due to an Acceptable Use Policy violation, any funds on your account are held for 180 days. After 180 days, if applicable, we'll contact you with information on how to withdraw any money in your PayPal account '' After not knowing of any wrongdoings I tried to contact them by phone the following days but was not giving any information on how I violated their policy, the only response from them was that its an irreversible decision.and there is nothing to do. so with nothing to do my only thing was to wait, I had over $ xxxx in the account and they wrote that they will let me withdraw the money
after 180 days, but lo and behold On XXXX XXXX they deducted the amount I had, to themself ( Writing in the Memo that its a

payment to PayPal for the damages caused by acceptable use policy violation ). this is unacceptable and inexcusable I need an explanation and they should deposit back the money into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was in the process of purchasing a car. The Dealership submitted an application to Wells Fargo for an auto loan. Their interest rate was higher than what I was already preapproved for so I did not use Wells Fargo. Not long after I began receiving savings account statements from Wells Fargo, and I never Personally open the checking account with them. I have personally never had a Wells Fargo account in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
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: Account status incorrect

Complaint:
In XX/XX/XXXX I applied for a auto loan with XXXX for a XXXX XXXX XXXX. I was approved the for the loan in the amount of {$13000.00}. Within 3 weeks, I decided to refinance my loan through XXXX XXXX XXXX for a cheaper interest rate. On XX/XX/XXXX the loan was paid off by XXXX XXXX XXXX in full from the payoff amount provided by XXXX XXXX XXXX XXXX. I recently applied for a loan ( not XXXX ) and noticed that there were some inaccurate information being reported by XXXX on XX/XX/XXXX to ( Transunion, XXXX, XXXX  ). The lender have since reported that the car was purchased in XXXX ( which is inaccurate ), and that I had paid my car payment late for several months ( up to 120 + days ) leaving an account balance of ( {$1800.00} ) which had to be written off. If you review my report from the previous month it shows the account being reported accurate as ( Paid, closed and never late ). As of XX/XX/XXXX my report is now showing an inaccurate amount, multiple late payments and settled less than the balance which is unacceptable/inaccurate. I am applaud that a company would fraudulently report inaccurate information that has now caused me to receive credit denials for loans when the information is incorrect. I have been a customer with XXXX bank since XXXX and currently hold several large credit limit credit cards, personal loans, checking and savings account with them. If the inaccurate information was correct, I am almost sure they would've not extended multiple credit cards, personal loans and or checking/saving accounts to me.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
Company: Recovery Solutions Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We had a new gate installed and had a contract with XXXX XXXX and somewhere between the signing of the contract with XXXX XXXX, XXXX XXXX XXXX took over the contract. Once done, we had a lot of issues that had not been fixed so we had to call in another company to finish the work to get our gate operating properly. This was in XX/XX/XXXX and once we stopped calling them to fix our gate, we never heard anything back from them. Beginning XX/XX/XXXX we started getting calls from XXXX XXXX with Recovery Solutions Group , LLC. Once the first call was received, I told her that our manager, XXXX XXXX, was out of the country and was supposed to be back on the XXXX, he could do some research on the matter and get back with her. She advised me to get in touch with him ASAP so he could respond to her. She then sent an email to XXXX XXXX and myself advising us to get this resolved or they would be taking more measures to collect the money. Mr . XXXX did not return to work until XX/XX/XXXX and could not get in touch with her since he was out of the country. During that time we received 7 calls and numerous emails from XXXX and during our conversations she was rude and threatening and at one point I hung up on her. On XX/XX/XXXX she even called Mr . XXXX on his personal cell which has nothing to do with work or work related. Even after we told her we were looking into it and that we had never received any further communication with Florida XXXX XXXX, she was not willing to give us time to do research to resolve the issue. After doing our research, we did find that the tags for the gate was received and a check was never issued, so on XX/XX/XXXX a check was written and sent to XXXX XXXX XXXX. Once the check was written, we did not respond to XXXX 's calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Bridgecrest Acceptance Corporation
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I contacted the loan company in order to set up auto bill pay, and the representative I spoke with assured me that the auto bill pay was set up. I did this know that I was going to be XXXX for 6 months, and made sure I deposited all the needed funds to my bank account during my time XXXX XXXX. Upon XXXX I found that my vehicle had been repossessed as payments were not made. I do not understand how this even happened. I have attempted to contact the company several times with not resolution. I have experienced extreme pain and suffering as a result due to an error made by the company 's representative. I have attempted to dispute this off of my credit to prevent further pain and suffering, and the company has refused to even remove this item from my credit report. I feel this is extremely unprofessional as I did not make the mistake the representative who was supposed to have set up the auto bill pay did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: U.S. BANCORP
State: DE
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:
We have received a message from Fidelity credit card that there were activities on our credit card that appeared to be fraudulent. The case # was indicated as XXXX. We were asked to call tel. no. XXXX to confirm or deny those transactions. We called the number but cold not understand the identity of the charging companies. We attempted to go on line to our account and check for those transactions. We could not get to the account receiving a message that there is a " technical difficulty '' to access our account and gave the number of technical support. We called technical support but they refused to unblock the account. So, we could not neither confirm nor deny the transactions.

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 2018-07-19
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I located a debt being reported to all three credit bureaus by JH PORTFOLIO located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Via certified mail, I made contact with the company requesting a validation of debt. This was mailed on XX/XX/2018. Please see provided documents for proof of delivery. As of XX/XX/2018 I did not receive correspondence from JH PORTFOLIO in reference to my alleged account with them. I mailed a second letter via certified mail on XX/XX/2018 advising them they failed to validate the debt and demanded a removal of inaccurate information from my credit report. As of this date the information has not been removed and I am requesting assistance in having the inaccurate information removed. Please see attached forms for exact letters mailed and certified mail receipts

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 2023-01-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX Chase Bank closed my account. I am aware chase can close any account without previous notice or for no reason. However, is been 3 months since then and Chase has no given any information about the money that was in the account. They keep saying the {$5600.00} that was in my account is under review. But even thought I told them that money was all I had and that I needed as soon as possible, they havent sent any letter, or call trying to show they are actually review. There is no report at all about the review of this money. 

Why does the review is taking more than three months and you dont update the client about it? 

Please help me with this unfair position that chase Bank is having.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
AS OF XX/XX/XXXXXXXX  I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX  2 LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXXXXXX   Credit limit {$200.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. Account info Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - PAYMENT HISTORY LEGEND Status Open. Status updated XX/XX/XXXX Highest balance {$2300.00} Monthly payment {$0.00} Last payment date XX/XX/XXXXXXXX XXXX  Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX  XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

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