BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: Escrow Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Since the XXXX of XXXX I have been waiting for Escrow to pay me {$100.00}, they have charged me a {$20.00} fee but not paid me my funds. 

Escrow is saying that I am using a online account that they don't accept the disbursement method, however I have added my XXXX XXXX  details and now added my XXXX XXXX  details. These are not online banks, these are 2 of the biggest banks in the XXXX XXXX. 

I sent them a screen shot on the XXXX of XXXX and XXXX at support said on the XXXX XX/XX/2020 '' Hello there XXXX, This will be forwarded to our Review Team for proper handling. Kindly give us 1 business day to process and once feedback is available we will get back to you. '' And still nothing has been done, they just continue to ignore my email and contact with Support. 

The Support reference number is - [ # XXXX ] : Re : #  XXXX XXXX - XXXX sale for XXXX I hope you can help me with this issue? 

Kind Regards, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-05-15
Company: Continental Finance Company, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The XXXX XXXX XXXX I own has been closed by the company due to being over the limit. I attempted to make a payment to satisfy the overage but they refused it. They stated the balance had to be paid in full. I expressed to them that I couldnt sue to economic hardship during our current conditions. Therefore, I agreed to pay the minimum of {$100.00} on its due date of XX/XX/XXXX. Unfortunately they didnt process the payment since my account was revoked internally. I received notification to make a payment, which prompted me to call them. It was explained to me that due to the revocation the payment couldnt be processed via ACH. A supervisor got involved, she then removed the revoked status to finally accept my new payment of {$200.00}. Lastly this payment went through successfully, however this company submitted a late payment on my credit. Today, I spoke with three individuals to get this fixed. Ultimately a customer relations supervisor named XXXX assisted and stated that she would call me back and I got no resolution or call back. They need to assume responsibility for this as I am working hard to pay them and repair my credit. I have no control over this company revoking my account and refusing payment. Its unfair to make a late report on my credit when they are responsible.

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 2017-09-19
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: Personal information incorrect

Complaint:
In XXXX XXXX, I disputed an address and balance on my credit report. A background check was submitted for employment on XXXX XXXX, XXXX and the same incorrect address appeared several times. 

Due to this incorrect info, I was denied a application for housing. 
The address in dispute is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX, apt XXXX, apt XXXX, XXXX XXXX I never resided at any of these addresses

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 2018-09-29
Company: EQUIFAX, INC.
State: IA
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 chapter XXXX bankruptcy on XX/XX/XXXX and the creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX One bill for XXXX and the other bill for XXXX XXXX are not being undated as closed and as included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a business checking account on XX/XX/2021 at Chase Bank by depositing {$100.00}. I provided the corporate documents required to open the account at my local branch. Subsequently the next week, I deposited three checks using mobile deposit. I recently closed on a property and deposited the security deposits and XXXX rent in the amount of {$1600.00}. 

I reviewed my balance using online banking to confirm deposit of the checks. However on XX/XX/XXXX, I attempted to deposited the XXXX rent check and discovered that Chase Bank closed the account and withdrew the funds out of my account. I contacted Chase Bank on XX/XX/XXXX and was informed that the account was flagged for suspicious activity. The fraud department informed me that they must manually verify/authenticate the checks. This required that I and my two tenants are on the phone at the same time. The representative stated that if I had responded to a letter, then the account would not have been closed. 

My tenants were not available to speak to them until XX/XX/XXXX. We spoke to a representative who authenticated the checks and tenants. I was informed that it would take between two to five business days to place the funds back into the account and 24 hours to reopen the account. 

I went to my local branch on XX/XX/XXXX to close my accounts because I was highly displeased with the customer service and business practices of Chase Bank. Upon arrival, I was informed that no funds were deposited to my account. The local branch manager escalated this matter on my behalf. I was informed at that time, that the funds would be deposited by the end of business on XX/XX/XXXX. 

I called Chase Bank again on XX/XX/2021 to inquire about the status of the account. Again, I was informed that it was open. However there are no funds available. I was told that I couldn't speak to another supervisor until 1-2 business days later. 
It has been 30 days since I have deposited these checks and still do not have access to my tenant 's funds. 
I am told that it will be another 3-4 business days. This is utterly unacceptable!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2021 I contacted the Office of XXXX XXXX XXXX, XXXX in respond to a letter that I received by mail with a Execution of Money Judgment against me and they are representing Calvary Portfolio Services, LLC to collect {$10000.00} dollars debt on a vehicle I was trying to explain that this account already pasted the 6 years status of limitation for Massachusetts and 5 years for the State of Florida and they are treating with the Judgement to taking my house as far as I can understand. The bank or the collector didn't send me any court order to go to court to address this issue in the past 15 years and now they are requesting that amount when I have a home loan to pay diagnosed with XXXX and XXXX I was not working for 3 months and I also had the XXXX recently. I don't have the ability to pay this debt at this time specially that it is from offer 13 years old debt from another State. I feel this is abusive and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on XXXX/XXXX 2018 noted on my credit for those months. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or an internal bank error. I was certain that the payment went through and I've spent countless hours with your representatives that they mentioned that it would be resolved since last month. I just refresh my credit report and noticed that it still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have filed a complaint previously regarding PNC bank. My husband fraudulently used a line of credit, I immediately notified PNC upon learning of this issue. No one at the bank/call representatives guided me to dispute the charges. I have been in a run around for almost a year now with this careless, negligent institution. I have informed them to do a review, they kept giving me the run around until I did my first complaint through Consumer Financial Protection Bureau. After my complaint, they unwillingly only fessed up to some of their mistakes. I want a thorough investigation done. This is sheer negligence and they keep trying to sweep it under the rug. They did not even want to do an investigation until I pushed and pushed their mistakes. I am tired of their nonsense, I would rather pay an attorney 's fees and take this to court rather than to pay this sleazy bank. They know they made pitfalls on their end and are doing NOTHING to fix this issue. They are saying I am responsible for over $ XXXX which I did not spend! I never authorized the money being used. Their lame excuse is that payments went out of a joint account. AN UNAUTHORIZED USER MADE THE PURHCASES WHY ARE THEY NOT REVIEWING FOOTAGE FROM ATMS?!?!? I AM BAFFLED BY THE STUPID ANSWERS, UNPROFESSIONALISM, NEGLIGENCE, IGNORANCE AND LACK OF UNDERSTANDING BY PNC. Completely disgusted by this bank and their employees.

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 2020-05-15
Company: Experian Information Solutions Inc.
State: MN
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:
This car was declared a charge off but I never got any documents. 
Under the laws of the State of Minnesota UCC UCC Article 6 :336.9-608,336.9-615,336.9-616, Subpart. noncompliance with article 336.9-626 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I am requesting but until today I dont have any documentation any paper for how much was sold the car, but they still reporting a information is unverifiable, I sent just this year 3 letters I understand everything is slow, but this is completely unacceptable.XX/XX/XXXX and no answer

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 2020-05-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In XXXX, I was taking XXXX 's level classes using my GI benefits through the Department of Veterans Affairs. Due to multiple XXXX  while on XXXX XXXX, I was forced to withdraw from the courses. I was told by XXXX University that I would not be charged any fees due to my extenuating circumstances. Several months passed and I received a packet of undelivered letters from the VA, despite receiving other mail from them in the meantime. This packet said that I had a payment due that was now in collections. After many conversations between the VA and XXXX, a miscommunication was found between those two parties, and everything was supposed to be cleared as of XX/XX/XXXX. I checked my credit report in XX/XX/XXXX and found that there was nearly 18 months of collections on my account, ending in XX/XX/XXXX, for this miscommunication between the VA and XXXX. I wanted to have that removed from my credit report so I submitted a dispute through Experian in XX/XX/XXXX explaining my situation and asking that those months of collections be removed. At the end of XXXX, I received a response that all the months of collections had been removed as I had asked, but now it was showing the account was in collections for only the month of XX/XX/XXXX. This makes absolutely no sense as they previously had the collections ending in XX/XX/XXXX when the issue was resolved. I reached out via phone to address this new issue, and they were not able to assist and suggested I submit a new dispute. I did this in early XX/XX/XXXX. I recently received the results of this second dispute, and it appears that Experian removed the collections flag from XX/XX/XXXX, but now has it in collections for only XX/XX/XXXX. I am unsure what to do at this point as I have reached out via phone and electronic dispute and can not resolve this issue. It has dropped my credit score nearly 30 points in the past two months because of their errors.

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 2018-03-01
Company: EQUIFAX, INC.
State: AR
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:
Equifax : I've disputed multiple on my credit report that XXXX XXXX XXXX doesnt belong to me, i verified with XXXX that i have no charge off accounts and i'm in good standings with them. My question to Equifax is why does a charge off from XXXX keep showing up on my Report???? after disputing it multiple times? 

Also Equifax said my info was out there on the dark web from a so called website : XXXX / i've contacted my local FBI and starting a report with them. 
They did nothing to help me with that, also they told me my data has been compromised from the Breach!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This all started last year when I opened an account with XXXX XXXX XXXX to pay for an extended warranty for 0 % APR ... Upon using the card 1 time for this payment, I put the card away and setup auto payment. I checked it every couple months but never more. Apparently in XXXX Elan Financial began sending us notifications that ELAN would be taking control of my XXXX account. The notification DID NOT come from XXXX it came from a financial institution I HAVE NEVER done business with. I threw the mail away accordingly. When the transfer was complete in XX/XX/XXXX/early XX/XX/XXXX, ELAN didnt bring over my autopay, never made any attempts to contact me other than mail that I threw away, and XXXX never said ANYTHING. The transfer CANCELLED my auto pay and I was never notified. 51 days later I received my first phone call from Elan notifying me that I was 51 days late on a XXXX, which I HAVE NEVER OPENED A XXXX, I only use XXXX  ... this is when I learned about the transfer and how they SWITCHED MY CARD without my permission. They canceled my auto pay and they ruined my credit.

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 2020-05-15
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance XXXX  shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history XXXX  show no data on 2 yr pymt history XXXX  shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
You have violated my rights under both Section 609 ( a ) ( 1 ) ( A ) AND Section 611 ( 5 ) ( A ). I wrote to you multiple times LAST YEAR and AGAIN this year and requested you stop reporting XXXX XXXX XXXX and XXXX  XXXX XXXX for FCRA non-compliance of inaccurate data listed on my credit report. Yet the accounts remain on my credit report STILL REPORTING inaccurate data!

You said you verified the disputed information as accurate. In actuality you failed to do a thorough investigation AT ALL because you profit off of these errors. 

These facts prove you didnt investigate XXXX XXXX XXXX ; 1. Date last updated says XX/XX/XXXX but I disputed this XX/XX/XXXX XXXX. Past due reporting on a collection account, this is a violation 3. Late payments/payment activity reporting on a collection account this is a violation You clearly didnt investigate XXXX  XXXX XXXX either. Multiple inconsistencies are being reported. Different last payment dates, different dates of last active. This is a clear violation. Yet you claim you verified these accounts as being accurate?! These accounts must be removed for non compliance. You cant verify violations as accurate Experian!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called XXXX XXXX XXXX XXXX Fraud department and was on hold for 3 hours, and they never answered. I ended up speaking to a general customer service rep, who told me that Fraud dept would call me back same day. It's now 3 days later and I've heard nothing and once again can not get through to the Fraud department. 
I went into the store as well and all they did was give me the same fraud phone number that I had been on hold for 3 hours with. 
I have filed a police report, but can not get XXXX XXXX XXXX XXXX to help me resolve this. The criminal apparently bought opened a account in my name as well as other things that keep popping upon my XXXX  report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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: Investigation took more than 30 days

Complaint:
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
XXXX  states late 120 days. No other agency is reporting this XXXX  show no data on 2 yr pymt history Experian show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.

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 2020-07-08
Company: AMERICAN EXPRESS COMPANY
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that due to this pandemic COVID-19 the world is facing my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief