BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: Lakeside Recovery Solutions
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I guy named XXXX XXXX said he was from lakeside recovery solutions said I owed a credit card account of XXXX but I would have to make a lump sum of XXXX or 6 payment of XXXX and had make a decision my the XXXX of XXXX or the would sue me and garnish my wages and send sheriff to serve mr papers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
When Credit bureau they try to verify identity, They ask questions about a Mortgage or car loan or line of credit in XX/XX/2014 that I have no idea about. 

So they cant verify my ident and we can not proceed, Also with my bank when they try to verify Ident they ask some questions about a loan and there is no loan or amount.

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 2020-07-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I.Q. Data International reported unpaid debt to credit reporting agencies and also allowed public record of debt to occur. The unpaid debt is reported in the XXXX XXXX County Courts of XXXX with an eviction record with the amount of the unpaid debt. The court record was not removed by I.Q. International when the unpaid debt was transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
A XXXX XXXX profile requested I open up a Chase account. Two counterfeit checks were submitted to that account with his and by his contacts. If money had been he would use large sums of money for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. This XXXX XXXX XXXX has my social security number, ID, address, work information about me. Two counterfeit fraud checks by him with his contacts caused me a blockage with not one but each time I asked him to stop he would insist with his status that all was perfectly normal and when the checks did not go well that he was going to somehow sort the situation. I asked if you know your supposed contact are fraud and causing problems then why not stop asking me to open up accounts and instead contact authorities for help. Nothing from this XXXX XXXX nothing to what he caused me with banks. Those counterfeit checks that was deposited into Chase were the result of this profile XXXX XXXX XXXX there is no way with my XXXX XXXX pay or social security money I would be capable of having those amounts or fraud checks. Chase I had more than one account. The XXXX, the XXXX etc the last one that was closed because of the XXXX etc resulted because of this XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I requested a wire transfer for {$120000.00} on XXXX XXXX, 2017 at XXXX AM XXXX for the closing cost of a house. There is a notice in Ally website that goes as follow : " Requests received or verified by XXXX pm XXXX, Monday to Friday, will process that same day. Wires received after the cut-off time, or on a weekend or holiday, will process the next available business day. 
We may need to call you to make sure you authorized this transaction. More than one business day may be required if we cant reach you for verification ''. 
Nobody contacted me from Ally to verify information until after I called them at XXXX PM XXXX. When I talked to XXXX at XXXX PM XXXX, he said that funds were going out today but that he could not give me a timeframe. I called them again at XXXX PM XXXX and XXXX, the supervisor, mentioned that wire was not going out today because it did not make the cut-off time and that there was nothing she could do because the department that handles the wires is closed until tomorrow. I have contacted Ally multiple times to resolve this but seems that Ally never had any intention of disbursing funds today and they shield themselves with the excuse that they were not able to verify transfer before cut-off time, even though they were supposed to contact me, and there was no way for me to reach out to them.

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 2019-02-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed fraud activities on my credit card statement but Chase Bank never took care of this issue. I called Chase multi times to go over but never called me back. They sent me a letter stating it's all valid charges becuase I got benefit from those charges, I even sent out the letter to Chase back in XX/XX/2019 asking what kind of benefits I received except bunch of unauthorized charges? Chase never replied my letter. 
Last conversation I had with one of officer with Chase stated that some of the package using my credit card were sent to some name XXXX XXXX and they resolved as my charge since we have same last name as " XXXX ''. As you know more than 40 % of XXXX people have same last name as " XXXX '' just like " XXXX '' in US. I requested to re-open this case but my requested was ignored. I told an agent at Chase that I have similar case going on with some one name XXXX XXXX but never responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
the customer service would not help about the negative inquiries reporting to my account

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 2018-06-16
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company roundpoint is not responding to request of closing escrow account and forcing me to keep it open for two years after loan starts even though i meet all the requirement for closing escrow.

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 2018-06-16
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out a payday loan in XXXX of an amount of {$520.00} from XXXX XXXX XXXX XXXX. I paid back the full amount due. On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX stating they received my payment of {$520.00}. Then 5 yrs later in XXXX I have been getting letters and phone calls from XXXX XXXX XXXX XXXX for an outstanding balance from XXXX XXXX XXXX XXXX of {$520.00}. I have responded with emails showing the email that I received from when I made the payment of {$520.00}. They sent me into collections and I'm in the process of purchasing a home and this collection is hurting my credit score. I am asking for XXXX XXXX XXXX XXXX and Midwest Recovery Systems to close this debt that is no longer due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: CL Holdings LLC
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:
On XX/XX/2019 I paid {$440.00} to XXXX for XXXX XXXX   Systems for a delinquent account. Per XXXX XXXX the last 4 numbers of the original account is XXXX. I called to ask XXXX XXXX when would they be deleting the account on the 3 bureaus since their website says they will stop reporting and delete the trade line if its paid in full and more than 2 years delinquent. XXXX XXXX said they do not own the account. Please see supporting documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I recently got a Citi AAdvantage XXXX XXXX card and required a replacement card at the end of my first month. A fraud hold was placed on my account, and when I called Citi said they were unable to verify my identity with the phone number I provided upon my card application. I visited a Citibank branch to try and verify my account in-person, but to no avail. Finally, the branch manager was able to help get a supervisor on the phone and the fraud alert was lifted because the supervisor decided they could use my phone number as verification after all. 

However, another fraud alert was put on my account once the replacement card arrived. This time, I asked for a supervisor, who insisted that Citi could not verify me with my own phone number this time. The supervisor 's ID code was XXXX. Instead, she asked me for a family member 's phone number. I provided my mom 's phone number, and Citi was able to send her a voicemail with verification instructions. 

This is absolutely unacceptable because I am the individual cardholder and my account has no relation to my mom. It is a serious privacy concern to me that anyone could call Citi if they were friends with one of my family members and provide a family member 's phone number for card verification -- especially ironic when I myself can not verify my own account alone. I am very concerned about Citi 's ability to maintain cardholder security, and have found that the fraud department 's verification process to be extremely problematic. Allowing family to verify my account poses a great risk for fraud. Only the cardholder should be able to verify his or her account, and the cardholder should not be put through such a hassle either.

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 2020-01-20
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called and paid a settlement amout to BMW Financial for my XXXX XXXX XXXX. Before paying the settlement amount I was told that since Im paying it off they would remove all of the late payments. Recently I have been keeping an eye on my credit and noticed that they never did. I called them last week to see what was going on and why the fees have not been removed. I was told that he didnt care what I was told he was not removing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Experian Information Solutions Inc.
State: TX
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:
Experian is reporting that I was 30 days late on my XXXX XXXX credit card payment in XX/XX/XXXX. 

XXXX Account Number : XXXX I have no recollection of ever being late so I disputed this and asked for an investigation to validate the item. The original request was sent on XX/XX/XXXX and was verified without providing me the proof I was requesting. I sent a follow-up letter on XX/XX/XXXX again requesting evidence to support their claim. This request was also ignored by Experian. This record of a late payment is the only thing negative on my entire credit file and it is causing me distress and anguish.

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 2021-02-28
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS COMPANY HAS BEEN ILLEGALLY REPORTING INCORRECT INFORMATION TO THE CREDIT BUREAUS CAUSING HARM TO MY CREDIT SCORE. I'VE MADE MORE {$850.00} OF PAYMENTS SINCE XX/XX/2020 WHEN WE CAME TO AN AGREEMENT. ATTACHED ARE ALL PAYMENTS AND SAID AGREEMENT. I'VE CONTACTED THIS COMPANY THROUGH EMAILING ON THEIR WEBSITE & CALLING WITH NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions 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 information incorrect

Complaint:
Per my first complaint regarding this exact same issue : I informed XXXX Bank back on XX/XX/XXXX ( email attached ) that I could not access my account via their website nor the mobile app. I also informed them that when I called in, the telephone agent could not authenticate me because he alleged that my answers to the security question was incorrect. They responded on XXXX XXXX, XXXX ( email + letter attached ), giving me the same customer service number I called to make the payment, saying that I needed to call in to update my address. You can see how cyclical the request is. All I know is that my account with XXXX was reported closed and late and the avenues I had to make payments ( aside from mailing them in ), were closed. This wouldn't be the first time agents at this number alleged they could not authenticate me. That is why I mainly communicate with XXXX bank via email to XXXX. Their calls to the main customer service number are routed outside of the USA and I have never had any luck in getting account information through that number. I did mail in a {$100.00} payment XX/XX/XXXX. I have yet to receive a final statement from XXXX Bank and have received no receipt of that mailed in payment ( again, my mobile app and website access has been revoked ). They have reported yet another late payment for ( XX/XX/XXXX ) to the bureaus but have refused me access to even view what I owe and a breakdown of the charges. I will not make payments on an account for which I am being refused statements. 

As of the date of this complaint, I have yet to receive a final statement nor confirmation of any of my mailed in payments to XXXX. I have mailed in money order payments the first week of each month, guessing what the minimum due is. It appears XXXX is reporting a missed payment for XXXX and XXXX on my credit reports - despite, as aforementioned, revoking my online account access and refusing me access to a final statement.

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 2019-02-08
Company: United Group Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a auto loan through united finance in XXXX, OR that I was the the CoSigner for my uncle. After six payments it was supposed to transfer in his name and they would not. Shortly after the engine ceased and it had to be sold, and he could not make the payments. At the time I was going through financial hardship and could not make the payments. I was also young and did not know much about credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: JPMORGAN CHASE & CO.
State: TX
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:
I have verbally canceled an reservation made over the phone. the merchant XXXX XXXX group which is also sponsors the XXXX Chase credit card says I didn't. They also didn't send any reminder that I have reservation I normally receive until the day after my reservation. 

Chase Credit Card not resolving my dispute after multiple attempt to explain the situation and try to resolve with the merchant, which is also sponsor of the card. It has been 4 month since initial dispute. Charges are still on my account. 


Case Number Date Opened Transaction Date Description Dispute Amount Action XXXX XX/XX/2018 XX/XX/2018 IC XXXX XXXX XXXX {$410.00} Cancel dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Exeter Finance Corp.
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 account is fraudulent. I was told multiple times by collection managers that this account would be deleted after me sending in the police report and FTC identity theft report. My name was used in a fraudulent identity theft crime. This account needs to be permanently deleted and I need to be deleted off of this database, I have been lied to multiple times and told this would be deleted and never reported again. The company deleted this account multiple times and keeps adding back to my credit. This is defamation and negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Global Lending Services LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Several times, I get calls through out the day I ask not to call so many times and asked them not to call so many times they told me they have to call. So right after they would speak to me a co signer they would call XXXX or vice versa and start the process all over like they never spoke to any one. So when the hurricane hit Hurricane Florence they asked if we were okay from storm or etc and advised XXXX that he could do an 3 month extension so he turned in the paper work and then they kept saying oh you have to wait, so they finally called back and said where is the payment, so we explained what happened and they said they see paperwork but it cant be 3 month it has to be a 2 month after to speaking to several supposed supervisors and account managers so we turn in the 2 month paper work and they changed the payment due date, so that was not fine but advised of when we could pay so a few days later a call again telling us we are 90 days behind when that isn't true every time u ask them about there XXXX they say oh now I see the notes, so I asked the balance, they guy says a higher amount and says oh sorry the late fees don't get pushed back with the 2 month extensions so then made an arrangement due to amount being higher get calls again and a rep tells me about my smart a mouth and literally cusses at me. I have never had so much disrespect from a loan provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2019, I received a pre-charge off card notice. it was dated XX/XX/2019 on the inside of the notice. XX/XX/XXXX I called Customer service 2 x once i put in for a call back due to a excessive hold time and never received a call so I started calling again and when I finally got thru was informed after 30 min that i had to travel to a branch location and I explained that was not possible. I went online and contacted the Bank BBVA Compass thru there online contact us Message system. I explained 1 I was charged for a XXXX $ charge that was declined but they were charging me as a overdraft with a fee totaling XXXX . 2 I have my tax returns coming to the account and are being direct deposit and I would like to keep the account open. XXXX XXXX I received a response saying they couldn't help me and again i needed to go to the bank or call the bank 's dept collections department. XX/XX/XXXX I drove to the local branch and spoke to XXXX XXXX and I explained my situation and XXXX called the Debt collection Department 3 times. XXXX was hung up on by the DCD each time and she finally resorted to emailing the corporate office. XXXX asked for a copy of the post card and I emailed it to her and she responded hopefully they will contact me back. On XX/XX/XXXX they closed my account and I no longer had online access. I explained from the beginning the XXXX $ I was over Drawn all from two XXXX $ monthly service charges could be paid off from the direct deposit 's and that according to the State the direct deposit was already issued from California and should be hitting the account any time from XXXX XXXX. Please help me I need My account and funds to pay my car payment and with out it I am afraid my car will be taken.

Company response to consumer: Closed with explanation