BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I just reviewed a copy of my XXXX credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.

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 2019-05-12
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On or about XX/XX/2019 I purchased a XXXX prepaid phone airtime Ecard from XXXX. 
Once the Ecard arrived in my inbox I tried to use the included pin number to install the airtime on my XXXX. I noticed the pin number was rejected when I tried to use it. 

I then contacted XXXX to see if I could resolve the problem and was told that although the pin number was good, the airtime card was not made for my type of phone. 

I then contacted XXXX stores and explained my predicament to them and asked for a refund. Upon my inquiry, I was told that XXXX stores does not offer refunds for phone airtime cards. Matter of fact, if XXXX  would have been willing to offer me a credit to spend at any of their stores, that would have been fine with me. But no, that was it, case closed! 

Anyhow I then decided that since I had made the purchase with the XXXX XXXX XXXX card that connects to my checking account that I would take the matter up with my bank ( XXXX XXXX ) and contest the charge ( see documentation ) Yesterday, XX/XX/XXXX, I decided to pay my XXXX XXXX Credit Card balance and noticed the transaction I had made with the debit card had now migrated to the XXXX Credit Card ( see documentation ) Matter of fact, if you call up XXXX and inquire if the Ecard pin number has ever been used, they will corroborate that it never has been used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Automobile Insurance Claims that were originally filed in error by an inexperienced Claims Adjuster, then withdrawn are not being removed from my C.L.U.E Auto Report by XXXX and LexisNexis. I have attached letters from XXXX stating that the claims will not be filed and are withdrawn. Therefore the minor damages reported by me to XXXX are for " reporting purposes only ''. XXXX has and will not expend revenue in any means whatsoever on these particular claims that are now " closed ''. As you know, this erroneous reporting by the aforementioned companies can seriously affect my renewal and/ or renewal rates. Initially, I filed a dispute with XXXX and after ordering my XXXX XXXX Auto report for a second time found that only one or two of the attached claims were indeed removed. I filed a dispute with LexisNexisXXXX XXXX, waited three weeks and received the same report with no changes. Immediately I called XXXX and the person who generated the letters told me I needed to contact the Service Department. I called the XXXX Service Department over the XXXX XXXX XXXX weekend and she told me she had no way to access the letters and she transferred me to the Claims Department. The lady in the Claims Department instructed me to contact the person who generated the letters because she could do nothing for me. I called the person ( XXXX XXXX ), who generated the letters of Claim Withdrawal and she stated that she would inform the Underwriting Department at XXXX to remove the remaining three claims. I checked my XXXX XXXX Auto report this morning and nothing has been done about this issue. Also, LexisNexis has a bad policy of reporting 'Possible Related Claims '' ( PRC ), on most XXXX XXXX XXXX XXXX by geographically matching someone 's Surname to other claims. I am a XXXX person over XXXX with a XXXX child in another state. I have spent the last six weeks trying to get my report corrected. In that time period LexisNexis has reported other claims on my XXXX . Auto Report of people I do n't even know. There is a lot of other people 's personal information on these claims that show up on another 's report. As a prior victim of Identity Theft I believe this practice is dangerous for any consumer. When they engage in this misleading business tactic they never inform or ask the actual person affected if these people are related to, or on their policy. Please help me to resolve these issues. You have helped me in the past and the CFPB does great work. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: GreenSky, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past three weeks, we have been getting repeated phone calls from green sky financial. We went through XXXX in order to finance our solar panels. We never received a billing statement, and so when they called to say the amount was passed due, we asked for billing statement. On three different occasions, the billing statement was ordered but could not be processed due to insufficient information quote on the end of the lending institution. Over the course of the past three weeks, we have received over 20 phone calls telling us the amount is past due. We have not had any luck ceasing the phone calls Despite the fact that the bill is now paid and we still have not received the billing statement. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint with Nationstar Mortgage Services back in XXXX/XXXX/2015 - case # XXXX. Nationstar sent a resolution letter saying they everything was up to date. However, they started sending demand letters again in XXXX 2015. I have sent in supporting documents & canceled checks to confirm all payments have been made up to date. We have been sending in our monthly payments on time every month. We also asked why there were XXXX late charges in XXXX month - no one at Nationstar can give us an explanation. We have called numerous times and they say - '' will research '' and get back to us. No one has called as of today. We received another demand letter today via certified mail. We are under so much stress from Nationstar & their demand letters. They seem to send these letters out every month after they receive our payment. Please Help!! Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an American Express platinum card. In XXXX, the card was closed. During every month a payment was made. I recently accessed my credit report and it shows to two reporting agencies that the account is delinquent. However, there are no past dues, no late fees, etc. The account is current per my statements. I have requested several times to American Express to help fix this to no avail. On XXXX XXXX, XXXX I spoke to American Express to get my account number as my credit report and the account number on the report do not match. I spoke to XXXX, ID # XXXX who said that American Express could not give me that number and would not give me that number. I have paid all bills open with American Express and should have the opportunity to get my own information to correct my own credit report. I request that the delinquent account status be removed and I be given all information about my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Starting on XX/XX/2018 I tried to place a freeze on my credit reporting with all four of the credit agencies. I was successful with using on-line dialogues for XXXX, XXXX, and XXXX, but Equifax gave me an error saying that they could not complete my request at that time and that I should try again later. I did that several times, and then I called their Customer Service number and was told that there was a software upgrade in progress and to try back later. I did that, but got the same message. I have tried using their web-site frequently since then and always get the same message. I then used an on-line chat application to speak to a technical support person who gave me another phone number that he said would get me help. I tried that number, but the option menu did not include anything about credit freezes or problems with the use of the web-site. I tried again today, and tried to log into the account that I had set up with them. I was unable to log in successfully, so then I requested to change my password ( assuming that I had forgotten it ). I was informed that a message would be sent to my e-mail account with instructions on how to change me password. Nothing has come back from them yet. I am tired of hassling with them. So I am making this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a report from XXXX XXXX  saying theres a suspicious of fraud on my name

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 2019-06-22
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I tried to withdraw money from my account and was charged a withdrawal charge. I was charged a total of XXXX for 5 attempts. Holy XXXX, I got XXXX. They XXXX XXXX me because I wasn't sure how much I would be 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 2022-11-22
Company: EQUIFAX, INC.
State: MD
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:
I have noticed several inquires on my credit report that was never authorized nor approved. XXXX XXXX Bank are on all 3 of my credit reports. I do not have any accounts nor ever applied for a credit card. XXXX XXXXXXXX XXXX is on my XXXX report. I have never even applied for any bank or credit card accounts. The only legitimate inquiry is from XXXX XXXX, which is only on my XXXX credit report. 

This is the result of identity theft that I had reported to the police. The police report number is # XXXX. Complaints and fraud reports are being processed with identitytheft.gov and with the Social Security XXXX. A complaint is also being processed with XXXX XXXX Bank and XXXX XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report that do not belong to me 1. XXXX XXXX XX/XX/2020 2. XXXX XXXX XX/XX/2020 3. XXXX XX/XX/2020 4. XXXX XXXX  XX/XX/2020

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Serve allows you to pull funds from your debit card that is linked to a separate checking account as long as it has been verified by the company. I processed a {$100.00} transfer from my debit card to my serve account on XX/XX/2019 and in doing this my bank placed a hold on the funds so that the merchant ( Serve ) could have the funds available and collect them. Serve did not collect the {$100.00} that was on hold after 5 days so my bank released the hold. Serve then processed the transaction 13 days after on XX/XX/2019 and withdrew the {$100.00} causing my account to go negative and causing me to incur NSF fees from my bank and 3 credit card companies due to the payments being returned amounting to multiple fees. I spoke to serve and they said that they process all transactions within 10 calendar days and this was processed outside of the 10 calendar days  according to my bank. I have requested that serve cover the NSF fees and they have refused to do so even though them requesting the funds 13 days later cause my account to be charged insurmountable fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Paypal Holdings, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
INQUIRES ON MY CREDIT REPORT I DID NOT AUTHORIZE XXXX PAYPAL XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: BANK OF THE WEST
State: OK
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:
This loan was paid in full in 2013. Acct. # was XXXX. It was never reported as paid in full or closed. Tried to call the bank but line is always busy.

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 2017-11-09
Company: Byrider Franchising, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am contacting you because I believe that I am paying too much for a used car. I brought a XXXX XXXX XXXX for XXXX from JDBYRIDER in XXXX. The car had XXXX miles on in when I brought it. They have recently moved to XXXX. When I brought the car home, it was hard for me to turn it back on. I went to them and I needed a cam sensor. The sales associate assured me that everything on the car was in good condition. The car had bad tires and rotors, which I told them about when I took the car to get the cam sensor changed. They told me nothing was wrong. I went to get my brakes checked and they told me there was nothing wrong. When I looked at the brakes they were almost gone, so I changed them and my rotors. I also bought the car with a broken side mirror and told them about it, but they said I would have to pay for that. I told them I was not paying for that because it was broken when I brought the car. The sales XXXX XXXX said that it was not covered in my warranty. The mechanic looked at the mirror and said the bolts were broken. He said that I would have to pay XXXX dollars for the mirror and XXXX dollars to get it painted. I went to talk to the the sales associate that sold me the car and he said he knew nothing about it. The spark plugs needed to be changed because they were corroded and had oil on them. They put the wrong type of spark plugs in my car and it did not run right until I put the right ones in it. I told the mechanic that there is a loud noise coming from my car, which I told them to check the brakes and rotors and they told me there was nothing wrong and they denied me. when I changed my brakes and rotors, the front brakes were worn unevenly on the outer side. The rotors were rusted and were hard to come off. I told them that my dashboard vibrates when I accelerate or slow down really fast. They looked at it, but it still would make noise and vibrate. They do not put the work that they have done on people 's cars in the computer like they are supposed to. 
Furthermore, I am paying too much for this car and the payment do not seem to be going down. It has become hard for me to make the payments on the car and all the car company does is constantly call for money. They do n't care about what I am going through, they just want money. They do n't wan to reason with me at all. The car is not worth as much as I am paying for it. I think there is something else going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Open Date XX/XX/2017 This Is listed under collections, I called the company obtained an agreement from company to pay the debt with the understanding that it wouldbe removed. I paid the agreed amount, they took my money and it remains reported to the three credit bureaus as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2019-04-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX - opened on XX/XX/2018 - balance {$200.00} XXXX XXXX XXXX -- opened XX/XX/2018 -- balance {$100.00} I don't have a contract/agreement with the agencies above. I request for this to be removed from my credit agencies ( XXXX, XXXX and 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 2022-03-04
Company: JPMORGAN CHASE & CO.
State: PA
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:
Chase shut down my accounts .... XXXX .... XXXX For no reason. Utilization is low and I do not engage in risky behavior

Company response to consumer: Closed with non-monetary relief