BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-19
Company: Reliant Capital Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is in response to a previous complaint filed against XXXX XXXX XXXX.

Reliant responded to my complaint and claimed that I wasn't a party to the complaint.

unfortunetly Reliant is wrong. I was given permission to speak on behalf of my daughter and discuss the debt on XX/XX/2018 when XXXX XXXX and I were on the phone with my daughter WHO granted verbal permission from me to discuss the debt. The entire conversation is recorded.

Regardless, Reliant has not provided notification of the debt AND YET are trying to collect.

this is a FDCPA violation. Also Reliant claims to have forwarded my information regarding the debt to XXXX XXXX unfortunately this is a lie. Provide me the name of the person that Reliant spoke to regarding the documentation that was sent. They have not forwarded anything to XXXX. I have spoken to several different people at XXXX XXXX  and they informed me that they notified Reliant not to pursue collection,. 

Threatening to report a debt to a credit bureau even prior to receiving the actual debt is a violation. it is a threat. If I am not reimbursed for the violations in question I will file a lawsuit against reliant and they will be liable for consumer violations and will pay my attorneys fees and costs in addition they have caused a burden on myself and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: JPMORGAN CHASE & CO.
State: NE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased my vehicle from XXXX XXXX in XXXX Nebraska on XX/XX/XXXX for 42 months, through Chase Financial. I started receiving end of lease emails in early XX/XX/XXXX. The end of lease emails explained to get an end-of-lease inspection done so you would know what to expect but did not explain it needed to be done through a third party and not your dealership. I had an inspection done at the dealership where I was told that the vehicle looked good. 
The vehicle was turned in early XX/XX/XXXX with 6000 miles fewer than expected a few days before the last payment that came out XX/XX/XXXX. I received a bill today on XX/XX/XXXX that was dated XX/XX/XXXX stating that the lease was terminated early and that two of the tires were too worn and had to be replaced at the exorbitant price of {$210.00} each. During my call I was informed that tires are specifically excluded from {$1000.00} wear deductible they have for leases. But tires is one of the few things you should expect to have wear. 
The bill showed they were charging me for wear and tear and a disposition fee instead of the early termination fee because it was the lesser fee. Neither the dealer nor the bank explained that turning the vehicle in before the last payment is processed will result in an early termination fee. I have tried to talk with the bank and explain to them understand that the lease was turned when it was due to the pandemic and that they took the final payment therefore it wasn't an early termination. I was told multiple times that they will not negotiate with me on the bill and that no one at Chase can fix the bill to reflect that it wasn't an early termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: BC SERVICES, INC.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
B C Services Inc. A dept collection company for the hospital of XXXX wy has been calling me repeatedly over and over almost every day. Some times as late as XXXX. I am making a minimum payment of {$50.00} a month as to it's all I can afford to pay when I tell them that they ask why I cant afford to pay my bills. Why dont I have a job, they can only accept that payment for a short time. I am trying. It's a XXXX bill they want.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent multiple credit dispute with these companies asking them to investigate items on my credit report they are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2023-01-12
Company: EQUIFAX, 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:
XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Account XXXX ( via XXXX XXXX ) was added onto my credit report without my knowledge in XX/XX/2018. I contacted Transunion via certified mailed receipts. After investigating I was told that this account was verified and to contact XXXX XXXX. I have no knowledge of this account nor XXXX XXXX. I contacted XXXX XXXX via certified mailed receipts and havent received any paperwork or information regarding this account. Per the Fair Credit Reporting Act, Transunion is to provide me with information and physical verification, which I havent received to investigate further. To date, this account is still on my credit report and I have not been provided any information nor has this account been properly further investigated.

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 2018-02-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens One has not credited my mortgage escrow account with interest since the inception of the mortgage loan in XX/XX/2016, in violation of Massachusetts General Laws chapter 183, section 61. 

I contacted Citizens One who said that there is no interest being paid on the escrow account ( attached ) and MA Division of Banks and was told that Citizens One is in violation of this law and that they are regulated by CFPB. I was advised to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Westlake Services, LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX transferred their existing accounts to Westlake Portfolio Management without notification to customers. Westlake has been marking missed payments on my account that has a XXXX balance instead of closing it. This has caused my credit score to XXXX. The account has been paid off for 5 months and each month they mark me as a missed payment. When I call Westlake they can see its a XXXX balance but can not fix or disconnect me before they can rectify the situation. The customer service email provided also bounces back. I can not fix this, they will not help and this is ruining my score.

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: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied for a Chase credit card twice, last time I applied was XX/XX/20 and the application was pending. I called them morning of XX/XX/20 and I was told that my application was declined, they said I will receive a letter in the mail with further details on why they declined the application. Then I found out that they put a red flag under my name to not allow for Chase to issue me credit cards. I have excellent credit, and I don't see any reason why I should be declined for credit or have a red flag under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 attached an FTC report with two account and inquiries I did not authorize, please delete

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 2020-03-22
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had many fraudulent charges on my PayPal account. Someone had used my card fraudulently and I had contacted PayPal about this. I got a new card and they opened cases but all of my cases were denied. This is unfair because its money I world hard for

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Experian Information Solutions Inc.
State: NY
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 are 3 inquiries that were done in the year XX/XX/2016 these 3 inquiries were to drop off my report. To date they are still reporting. I tried getting online to dispute this information and have it removed being its been 2 years but was not able to get online with XXXX  to do so. I always have a problem viewing my credit report with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I need my ChexSystems report to review for errors because I received a letter of adverse action. I requested my report via Internet in XXXX. I still do not have it as of today, XXXX. Further, the company has not communicated with me as to the status. I need to fix any errors because Im a victim of identity theft/fraud ( duly-reported and recorded in XXXX XXXX, CA ). 

Ive just tried re-pulling my report, but the website shows an error that the report is frozen and that my PIN does not match. I never received any communication in the Mail or otherwise regarding either the report itself nor the PIN. 

Please help me get this and in an expedited manner. Thank you.

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 2018-10-19
Company: EQUIFAX, INC.
State: GA
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. Some items have come off however there are more that are not mine and has not been removed.I am doing this on my own behalf and really need help to get these items off my credit report.XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifex : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXXEquifox : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX  Equifox : XXXX XXXX : XXXX XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have been using XXXX with m & t bank for friends and family that pay me back because i like to go out and eat a lot and lend out money to family and friends, and they pay me back through XXXX because its easier.This is the problem on XX/XX/XXXX M & t bank has taken 2 XXXX transactions from my account,1 transaction of {$790.00} and 1 transaction for {$190.00}, both XXXX transactions, which i thought XXXX transactions are not refundable, i have a lot of friends i give money too, and they pay back through XXXX XXXX someone mightve lied to get a chargeback to get their money back, I have proof.XXXX  doesnt do refunds and chargeback, M & t stripped the money from my account when i have bills to pay, thats illegal i plan on taken this further than just a complaint.I have to get these transactions refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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: Problem with personal statement of dispute

Complaint:
I noticed a couple of errors on my credit report, so i reached out to experian to see if they could explain whats on my report and why its on my report. They sent me back a report saying the information was validated, but they did not explain how the investigation was done. I want experian to provide how they conducted their investigation, who did they talk to while investigation, phone numbers, emails, fax numbers, and names. Explain how the information is vald, going through the E oscar system is not proper investigation or validation, i plan on taking this to small claims court so im getting all my paperwork in order, and getting a papertrail together.

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 2020-02-04
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
PayPal Credit billing statement, minimum amount due to prevent interest charges and the application of payment of the said amount is false and misleading. Purchases over { {$99.00} } are advertised as 6 months no interest, no payments. Purchases under { {$99.00} } must be paid within 25 days to prevent incurring interest charges. PayPal Credit billing statements inaccurately report the accumulation of purchases made under { {$99.00} }, even though those purchases occurred greater than 25 days prior. In addition to carrying this balance forward month to month they will include the amount of the current month expiring promotions in the minimum amount due to prevent interest, which causes me to pay a higher amount than what is actually due. Upon payment of the minimum payment to prevent interest based on the billing statement, PayPal then applies the payment to the current expiring and future promotional purchases ( within 60 days expiring ) while leaving the standard purchases accumulation to roll forward. This method ensures that they are receiving a monthly cash flow payment of at least the accumulation of standard purchases and in excess of the actual amount due in the current period ( expiring promotions and purchases within prior 25 days ). First, if the promotion is 6 months with no interest, no payments then payments made should not be applied to items that are not yet due nor require a payment. The payments should be applied to the standard purchases and promotions expiring in the current period with any excess paid above that amount applied to future promotions. Second, even though they are not charging interest on the standard purchases, which are accumulating, they are not in compliance with the terms communicated to the consumer, which state standard purchases must be paid within 25 days, yet when the standard purchase amount is paid within the 25 days, the payment is not applied to the standard purchases. I have canceled my account with them after noticing for several months I was writing them checks of $ XXXX- $ XXXX monthly and still showing a standard purchases amount over { {$300.00} } even during months when no new purchases were made. 

In addition, Paypal would not recover money paid for a couch that fell apart before I had it one year.

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 2020-09-09
Company: COMMERCE BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to the pandemic, I was laid off from my job in XX/XX/2020. I called Commerce Bank at that time to see if they offered any assistance. At that time I was advised of their Covid-19 Payment Assistance Program,  which would allow payment assistance for a predetermined amount of time. I was assured there would be no negative reporting to the credit bureaus while in the program. It was in XX/XX/2020 that I started the program. However, in XX/XX/2020, one month into the program, I was reported 30 days late to the credit bureaus. I immediately called for help with this situation. I was referred to a supervisor named XXXX, that never returned my calls. To date I have not returned to work, nor has this been resolved by Commerce Bank. Im very thankful for the program as it has been a tremendous help. I would just like the negative reporting while in the program to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: WV
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation