BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was 27 points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped 36 points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped 36 points was because on XX/XX/2019 XXXX reported to all three agencies that my student loan balance increased by {$3100.00} and then XXXX on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call XXXX and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why XXXX reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the 36 point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the 36 points even if XXXX  fixes the mistake. 

XXXX inaccurately report on my credit reports and why no one has caught this. The 36 point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the situation.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Ameritech Financial
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, My name is XXXX XXXX and I have been paying Ameritech Financial Services for over two years thinking they were an official company that worked with the federal loan servicing company. Since then, I have found out that Ameritech was operating fraudulently and deferring my student loans. I orginally paid {$600.00} to start the loan payments that Ameritech said the govt does not want me to understand how to lower my loan payments so that is why they provide the service. I am gathering my bank statements to provide further evidence but know that I have paid them every month for more than two years. I am saddened that this company was able to operate for so long and take money from my peers and I which we thought were going towards our loan. I am now in the process of contacting the federal servicing loan to see what options I have to fix this problem. I do not understand how one man can get away with defrauding innocent students. Please help me. My representative was XXXX XXXX and she told me that Ameritech was operating legally and I was fine with my payments and that XXXX did not want me to understand how to lower my payments and that is why they submit the documents and require my fedLoan login information.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-25
Company: Experian Information Solutions 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:
I sent a Certified Dispute Letter to Experian ( Tracking # XXXX ) and it was received on XX/XX/2021. 36 days have passed and I haven't received any response from Experian. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an email from Bank of America on XXXX XXXX informing me my BOA XXXX XXXX Visa card had been cancelled by them. Upon inquiring I learned they closed it for inactivity. 

Imagine my reaction. For them to close my travel card for inactivity during Covid is unconscionable. We could not cruise if we wanted too. 

We had a {$27000.00} credit with XXXX balance due. 

My complaint is they did this the way they did and we lost thousands of cruise credits by using their card to gather them loyally and often, before Covid. 

I demand cruise credit restitution with normal XXXX XXXX expiration dates. Bank of America owns the administration of the loyalty plan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I tried to make my mortgage payment online as I 've done for the last several months, but there was no option to make a one time payment. I have no idea why, but that means I have to mail a check so now it 's going to be late. I want to make sure I 'm not charged ANOTHER late fee for something that is n't my fault. Their website just needs to work properly so I could have made my payment on time. This is completely unacceptable!! 

I sent ANOTHER message through the website that is supposed to be responded to in 2 business days. Mine have all been IGNORED in the past so I expect a response to this one from someone with a first and last name and a direct phone number. All the annoying phone calls from people with no name who do n't bother to say why they 're calling is completely unprofessional and needs to stop 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 2021-04-15
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C SYSTEM INC is claiming that I owe them {$500.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX a total of {$9400.00} was withdrawn from my Checking Account using the banking application " XXXX ''. These transactions were not authorized by me and during the period I did not have a XXXX account. It appears that my account information was breached and used to create a bogus XXXX account which in turn was used to steal money from my account. During this period I was not aware of these transactions as I did not know how to access my account activity online and I was not receiving paper statements. I contacted Citizens Bank and filed a fraud claim and was twice notified that they found " no fraud ''. I am seeking re-crediting of the monies stolen out of my account and Citizens bank has refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Diversified Adjustment Service, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
one of my insurance company adjunctments sent me {$300.00} for the credit however they later claimed hat i had to pay back this amount due to mistaken information. They did send me a letter saying that I have to pay back this amount {$310.00} but i disagreed because they made all of the information as a mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: OH
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:
My complaint is about my personal information. I have contacted the credit bureaus several times about updating my personal information. Putting the correct address as Current and removing all other addresses that doesn't contain to me. 

They are not my addresses and I do not want to mix and merge my files or want the wrong information being sent to those addresses they have on file which I do not want no one to have any of my information because of all the scam and Fruad stuff that's going on. 

Please update my correct address on file and remove all others which they are not mine and never lived at those addresses. 

I also contacted the company by phone XX/XX/2022 as well as writing a letter like they told me and still haven't fixed the issue.

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 2019-02-27
Company: JPMORGAN CHASE & CO.
State: NY
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 information that are on all three of my credits report ( XXXX, XXXX and XXXX ) are not accurate. I have try to contact them a few time and i haven't heard back from them. 

Here are the credit cards : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was restricted 2 years ago because Capital One suspected so called fraud on my account which was not the case. Finally, in XX/XX/XXXX, the account was closed out with a balance of {$1700.00} and a check was mailed to an old address. When I realized this in XX/XX/XXXX I immediately contacted Capital One. I was advised by a manager that a stop payment would be placed on the old check and I would receive a new check in the mail to the correct address within 7-10 business days. I never received the check. Since then I have spoken to 9 different managers and I am on the phone with another as I type this message because each time I call I am advised to wait for the check 7-10 days because the last manager sent the request to the wrong department. Capital One has done nothing but give me the around for 2 months now, as it is now XXXX and no check is in site. I am frustrated just as I was 2 years ago when my account was first restricted and caused me a financial down spiral. I know that what they have done and are still doing is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Atlas Credit Company, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I XXXX XXXX XXXX did not apply for a loan from Atlas they dont have my signature or premission on anything

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received and activated my Apple credit card on XX/XX/2019. I purchased an XXXX  for my son on XX/XX/XXXX. On XX/XX/2019, I went to use the Apple credit card and it didn't work. Upon investigation, I found my account was locked. I called Support and I was informed that they couldn't tell me why and a Goldman Sachs specialist would call me. On XX/XX/2019, I call Support and paid off the balance on the card, as, I wasn't sure if payment would happen with my card locked. In the intervening 10 weeks, I have called support at least 6 times to find out why my account is locked and on each and every occasion, I have been told the same thing, that they can not tell me and a Goldman Sachs specialist would call me. 

As my credit score is over 800, I know the issue is not my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNT WITH XXXX XXXX BANK ACCOUNT # XXXX, APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27
Company: Navient Solutions, 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 information incorrect

Complaint:
Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was 27 points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped 36 points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped 36 points was because on XX/XX/2019 Navient reported to all three agencies that my student loan balance increased by {$3100.00} and then Navient on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call Navient and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why Navient reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the 36 point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the 36 points even if Navient fixes the mistake. 

Navient inaccurately report on my credit reports and why no one has caught this. The 36 point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. It feels to me, like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I reached out to the bank about a lost debit/credit card. I stopped transactions via mobile app and had received text messages from the bank stating that the transactions were denied. That said everything was actually debited from my account. When reaching out several times about the XXXX transactions totaling XXXX and was told that they would not be done investigating until XX/XX/XXXX despite my prompt report of unauthorized transactions and literally called despite turning my card off. These funds are my irs tax return and no provisional funds have been made available despite my calls and requests for a new card within a day of the most recent transaction that was supposedly denied by the bank. I have repeatedly asked for my money and spoke with the company that processed the transactions and was told that the bank needed to respond to the company. I continue to be put off all the while Im not able to pay my bills and care for my daughter due to my money not being available. I even spoke with visa regarding the unauthorized transactions guarantee but again said that I need to speak with the provider of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Meridian Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Meridian Financial has contacted me in regards to a debt that is past Statute of limitations at 4 years. they called me 3 times in regards to an account that is past collections activity

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 2021-04-27
Company: FIRST METROPOLITAN FINANCIAL SERVICES, INC.
State: TN
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 paid off two loans with First Metropolitan Financial at XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX they were paid off in XXXX of 2020. I have been trying to get both title to the cars. They are refusing to give them to me. They are telling me I put these cars up for collateral on a Furniture loan. They illegally put this on my contract. I ask them to show it to me and they can not provide any written document that I put them up. I have been trying get my Titles since last year. I call and they want talk to me. I sent over letters they return them. I ask them to provide me with all of my payment because the numbers was off for pay off. they refused to give me any payment records. I asked them how can I use something for collateral and didn't owe the cars at that time. i was still paying on they. now that I have paid them off. They holding my title .... trying to take me to court on a another loan. That has nothing to do with these loans XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX SS # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation