BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-20
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 information incorrect

Complaint:
Loan was delinquent. Ended up paying off the vehicle but vehicle is showing as charged off.

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 2023-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit 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:
Late XX/XX/, I disputed the transaction with the company in regards to XXXX XXXX XXXX XXXX XXXX billed on XX/XX/2023 for {$350.00}. The company provided a temporary credit. On XX/XX/XXXX, the company provided a letter stating they reversed the transaction because of lack of " proof of cancellation ''. I submitted a response on XX/XX/XXXX stating the merchant " terminated '' the service with bogus reason hence no cancellation from my side was needed. On XX/XX/XXXX, I submitted the response again stating 1 ), the merchant breached the contract first thus no cancellation obligation is needed from me 2 ), the specific details why the merchant breached the contract. Capital One denied my claim immediately on the ground of " lack of requested documents ''. I called in to confirm the requested documents again, after 4 representatives, they confirmed with me 1 ), purchase agreement or invoice ; 2 ), proof of cancellation ; 3 ), terms and conditions ; 4 ), refund voucher or not ; 5 ), description on what happened. I explained to the rep that 1 ), I was never provided a purchase agreement or sales receipt, that's the fact from the initial filling ; 2 ), the merchant refused to provide service and breached the contract hence no cancellation needed from me ; 3 ), I have already provided a copy of the terms and conditions ; 4 ), I have already provided a description on what happened and details. 5 ), the merchant refused to provide a refund. 

Capital one refused to dispute this transaction on the ground of lack of sales invoice or purchase agreement. The reason is that because the merchant refused to provide me with those documents upon three attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: FISERV INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a letter from the TRS Recovery Services saying I have a debt with a company I am unaware of. I have recently been a victim of identity theft and think this is connected. Please let me know if you need additional information. My reference number is 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 2022-08-06
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX PA XXXX is a fraudulent address listed on all 3 credit bureaus and every account associated with that address is fraudulent as well. Please assist in removing this information off of all 3 credit bureaus and my credit reports.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-06-22
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:
Ive disputed this multiple times with the same result it remains on my report. The reporting is clearly incorrect and you have still yet to remove or fix it properly. These items are 4 Closed charge off accounts with the XXXX police federal credit union. That report charge off month after month these accounts have been closed since XXXX and XXXX. These are clearly violations of the FCRA and need to be removed 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 2020-12-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I logged into my free Experian credit monitoring service like I always do when I receive an alert or notice. When I logged in, it took me to another screen that asks if you want to keep your existing " free '' membership or " upgrade '' to a paid credit monitoring service. 

Like always, I clicked the button for keep the free membership. Their system, however, registered my click as " upgrade '' instead of keep free membership. 

I immediately contacted the company via chat to dispute the incorrectly processed selection. The rep informed me, " due to the terms and conditions that were accepted and agreed to, we're unable to issue a refund per our refund policy. '' I never was presented with any " terms and conditions '', nor did the system ever ask for a confirmation of my supposed " order. '' This, in addition to being a deceptive business practice, directly violates Federal laws for Accessibility ( WCAG 2.1 3.3.4, https : 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 2019-09-23
Company: BB&T CORPORATION
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is is XXXX XXXX. I am presently going through a XXXX, and my husband is XXXX XXXX. I don't say that, like so many XXXX. I say that because it's absolutely true, and I am refinancing our house to pay him out, so he'll get out of our home, where my XXXX year old daughter has left, and won't come back until he is gone. I left the mortgage to be paid by my husband last XX/XX/XXXX, and one time in XX/XX/XXXX. Both times he claimed he paid it, and didn't. I've since taken it out of his hands completely, and I am the financial bred winner in this household and family, and don't trust a thing he says anymore. BB & T has been fiddling with this forever. I was NEVER 60 days late as they are reporting. When I found out he didn't pay in the months of XX/XX/XXXX and XX/XX/XXXX, I took care of it immediately, and told them what he did, and I rectified it. They have been reporting me 60 on this mortgage since those months happened. I am refinancing this loan to get my husband out, and these people are just going in circles, there is nobody to talk to? I called and one person told me 5 days, and the other told me possibly 45 days? I never was 60 days late, and it's taking forever and a day to get anything from them, while my life falls apart at the seems, because my husband is torturing me on a daily basis in this home, and I can't get him out due to BB & T 's inaccurate reporting of our mortgage. Please help me before it's too late.

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 2023-06-01
Company: KEYCORP
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a Checking account with XXXX XXXX on XX/XX/XXXX and a Savings account on XX/XX/XXXX. I deposited two checks, one for {$380.00} and another for somewhere between XXXX XXXXXXXX {$2000.00}. I also had a direct deposit deposited for around {$2500.00} from my job. I soon after opening got locked out of my account. I spoke with a rep at XXXX XXXX and she told me that because they are online only and do not have branches they automatically assume everyone might be fraud so they lock everyone out. I have not had access for 2 weeks now and they are holding all my money, XXXX XXXX XXXX. Each time I call they just say I need to wait and I will usually get a resolution in 10 days. It has been over 10 days and they still won't answer. They transferred me to Key Bank who I guess they use and a rep at Key Bank told me they were suprised they are locking everyone out. I saw an ad on XXXX and all the comments ( XXXX ) were people saying they were locked out for no reason, many for months. And some had accounts closed and funds not returned. I can not wait months and I need my money. They can't just steal it, it's insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EOS Holdings, 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:
This company claims that I have a balance of {$260.00} with them, I have been disputing this debt because they are reporting it as in collection on my credit file, I asked this company to please provide me with a copy of the original contract which bear my signature and which it concerns the debt being collected. All that EOS CCA provide me with is a copy of a bill from the year XXXX which is not enough to validate the debt that they are trying to collect, I looked up the debt collection laws in the state of Massachusetts because that is where I reside and it says that on XX/XX/XXXX the Massachusetts Attorney general published onerous new consumer debt collection practice regulations, deeming their violation to be an unfair trade practice. It also says that these regulations, which became effective upon publication, purport to govern every business and person nationwide who engages in collecting a consumer debt ( defined as any debt resulting from a purchase, lease or loan of goods, services or real or personal property or for a loan of money obtained for personal, family or household purposes, whether or not reduced to a judgement ) from a person located within Massachusetts. Like I said at the beginning of my complaint, EOS CCA is not willing to provide me with all documents or an original contract that bears my signature that is required in the state of Massachusetts. I am including some pictures that were taken by me so that EOS CCA can read what the laws and regulations are in the state where I reside. If they are licensed to collect in Massachusetts, they should know these laws and regulations. This is not a refusal to pay, but I need this debt to be validated before I make any type of payment. If the debt can not be validated please delete it from my credit file, as it is causing my credit worthiness big damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-08
Company: EQUIFAX, INC.
State: NJ
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 sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Avant Holding Company, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The Credit Card Company is Avant, my name is XXXX XXXX I have noticed on my statements I have been charged XXXX to XXXX interest each month on a XXXX balance. The company says there is no monthly fees, my billing date is the XXXX of each month. I paid in ful my previous balance on XXXX of XXXX. But I'm still being charged interest on that balance enough it has been paid before the due date. As of today XX/XX/2021 I paid the interest balance and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Diversified Consultants, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Diverseified they keep calling me and harassing me with the repeated calls trying to keep me on the phone to say the debt is mine its gettin outta of hand I told them to send me something that got something with my signature on it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Westlake Services, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Westlake Financial is reporting to the credit buraeu that I am deliquent on my vehicle which I have not had since XXXX XXXX 2016. They refuse to help me in any way. They will not send ne copies of letters they have sent. They recieved a check from company i traded vehicle in at and failed to process check in a timely manner and are still reporting I am deliquent on account when I am not!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: EQUIFAX, INC.
State: TN
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 have not received a reply from Equifax as of today XX/XX/XXXX per my complaint filed with cfpb on XX/XX/XXXX. Also upon further personal investigation I have learned directl from XXXX XXXX that Ive been opted out of there system since XX/XX/XXXX. FULL OPT OUT. Meaning no one gets my information not even telemarketers. Therefore how was Equifax able to get any information on me from XXXX and per Equifax reporting date it says XX/XX/XXXX. Also why will Equifax not provide me with detailed verification information as to who they spoke with at XXXX, the method of verification, the day any time of the verification so that I may be able to check behind them myself without having to file suit against them being that this is my 4th request for this information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a pre-approval letter through Citizens one online in XX/XX/XXXX. We were pre-approved for {$250000.00} and we proceeded to look for homes. We signed for a home in XX/XX/XXXX. We sent everything to the bank when they asked for it. They proceeded to ask for the same thing multiple times such as signatures and pay stubs. We sent everything by email. I do still have the emails showing things being sent back. We would go weeks without anyone returning our calls and emails. On the last day that things needed to be processed we got a call stating that we would need to refinance our car this was XX/XX/XXXX. We were originally supposed to close on XX/XX/XXXX. The sellers were willing to work with us and we did refinance. The bank sent over a commitment letter to close on XX/XX/XXXX. We continued to have to send over paperwork 3-4 more times because no one could find it. We would also go unanswered with emails, phone messages and text messages. Our realtor and the the listing realtor would also go unanswered. I was told that everything was with the processor and she was looking over our information on XX/XX/XXXX. The processor did not return calls or emails. The processor then waited until XX/XX/XXXX to reach out to say that she could open the attachments on the email I sent the prior week. The processor lied and stated she had just got my file. I have a letter form the same processor dated for XX/XX/XXXX. Also, if she she was going through my file on XX/XX/XXXX she would have known that the attachments did not work. On XX/XX/XXXX the sellers terminated the contract. The bank did not follow through with anything they needed to do to close on time for the home. I have the unanswered emails and text messages to the officers involved. I can also pull my cal logs for the unanswered phone call messages. We would like the bank to reimburse {$580.00} for the home appraisal. We lost the home due to the bank not following through on their end and not sending over the information needed to close on the home. The bank did not keep an appropriate time frame for either closing. I have tried twice to file a complaint with the bank and no one followed through me with time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
According to BMWF rep spoken with today, XXXX, I am unable to make ACH payments using my checking account due to an error with last ACH payment attempted, I do not have amount available to me at this time. The payment was scheduled via BMWUSA.COM, the correct routing and account number entered, the rep claims the bank did not recognize the account info even when it was entered correctly. I suspect BMWF placed the block prior as it was on the account before, a rep whom arranged a promise to pay removed the block so I could make ACH payment. I believe the system then replaced the block, unknown to me, which caused the payment to reject. Again, correct routing and account number was entered at time of payment. Due to payment reject, the account is now over thirty days past due, may have been reported to credit bureaus as such.. I request BMWF adjust this 30 day mark due to block they placed prior and is still on account currently. Also, I request block removed as the payment does not count as a returned payment, I have been making payments which have been clearing from same checking account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
During the night of XX/XX/2022, my daughter, XXXX XXXX 'XXXX XXXX XXXXXXXX XXXX was repossessed by Huntington National Bank. This was an indirect vehicle loan started by the dealer she purchased the vehicle from. I believe that Huntington failed to properly calculate her ability to repay before approving the loan. We were able to get the vehicle back from its repossession status. My daughter is now driving the vehicle. I believe that Huntington National Bank violates UDAAP when approving their indirect vehicle loans. 

As a side note, I am a XXXX XXXX at a community bank located in XXXX XXXX Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Complete Credit Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On multiple occasions I have sent letters to Complete Credit Solutions and they have ignored me each time. 
Never responded to anything. Even multiple certified letters. 
I've never done business or entered into a contract with them. 
Also did they pul my credit report on XXXX XXXX without my consent. 
I never gave permission to any of the above. 
I demand removal of the debt and the inquiry immediately. I demand removal of the debt and the inquiry 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