BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist is threatening to force place flood insurance on my account. I have submitted my policy twice and they are not intelligent enough to see it.

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 2023-09-17
Company: Debois, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
The vehicle had been disabled and was parked at XXXX XXXX with security permision and fiance ' is employed at same hospital. XXXX XXXX Police contacted the lender and not the title holder, which breakes the chain of custody. On the very next day i contacted XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX. I claimed the car as the title holder and made arrangements to pick up the vehicle but it was XXXX XXXX weekend. XXXX XXXX Called the XXXX again, the lien holder DBS Finanial at XXXX XXXX # XXXX XXXX, Ohio XXXX XXXX. I was current on my payments so i was charged for the tow = {$600.00}. I modified the loan to take the next 2 payments on the end of the loan which would have the next payment due XX/XX/2023. 
The account reflects a different address. There is to be a notice of auction sent with 10 days for the debtor to respond, the car was auctioned before. 
Now the lender has a court order claiming i surrendered the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that as a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain toquestion specific records in my document coming about because of the wrongdoing. The account I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, blockthe noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 non-monetary relief
Consumer complaint received 2021-12-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid 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:
On Thursday, XX/XX/XXXX, I submitted an application online with XXXX XXXX XXXX XXXX in XXXX XXXX, FL. Shortly after, I spoke to the Leasing Agent, XXXX XXXX, over the phone and I authorized a charge for the application fee in the amount of {$75.00}. I provided my credit card information over the phone to pay the application fee, but I was charged more than {$75.00}. I did NOT authorize the additional charges placed on my card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The total amount charged by XXXX XXXX XXXX is {$580.00} USD. It should be {$75.00}, so I disputed the amount of {$510.00} with Chase. In both the first and secondary reviews by Chase, they found the transaction to be valid, despite the information I provided that clearly proves that I never agreed to these charges. Consequently, I am filing this complaint with the Consumer Financial Protection Bureau as I have exhausted my options with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 2017 was reported late 60 days past due.

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 2023-09-17
Company: National Credit Adjusters, LLC
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX. I received 3 credit alerts from XXXX, XXXX, and XXXX that I took out a loan on XX/XX/2024 for {$1000.00} at XXXX XXXX This debt was was sent to a collection agency National Credit Adjusters. 
I have NEVER taken out a loan to this company, nor do I use Any payday loans. This debt isnt NOT mine. I called NCA yesterday their office was closed. This is VERY alarming that XXXX XXXX would send information to NCA without doing their Due-Diligence by making sure all Information was correct. Both companies have VIOLATED the Truth In Lending Act, And please explain how a 3rd Party collection agency can report to the Credit Bureau. Consumers has 30 days to dispute the debt and be provided proof that the debt is valid.. 

That CLEARLY didnt happen! That is Clear Violation of FDCPA, and FRCA Especially when you have the WRONG person, and affecting someone Credit Score. To add insult to injury Im going through a background check for a higher job Clearance. This could totally DERAIL my ability to get that position. So I have to Waste my Time to get this all straightened out. And let my employer know. Because Both of these companies have been negligent. If this details my career in Anyway I will be seeking legal advice in terms of a Civil suit. Im trusting this matter will be handled expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Genesis FS Card Services, Inc.
State: MS
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:
This account is on an income driven payment plan and up to date and should not be listed as adverse. Also interest rates applied to balance are inaccurate. Account exceeds 7 years of being able to be listed on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Risecredit, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a loan with rise credit which was approved on XX/XX/23. I had a XXXX XXXX on XX/XX/2023. The doctor says that I can't be worried about anything or I wouldn't be able to live much longer/

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: ERC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC is attempting to collect for XXXX XXXX. This debt is a result of window shopping for cellular service. XXXX XXXX acquired and ran a credit check. But after some thought service was not acquired. XXXX XXXX has charged me for services that were never used or activated. ERC may do some research see that XXXX XXXX falsely charged me. XXXX XXXX has been contacted but never responded to my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Cornerstone Holdings, Inc.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a large amount hit collections for medical debt. I called the collection agency- they said XXXX send me paperwork. I never received paperwork. I called my insurance company- they said absolutely Im covered and shouldnt have any debt. I called the hospital that supposedly sent my account to collections. They told me IMMEDIATELY that some sort of mistake was made, and that they will have the collection agency delete the collections off of my account immediately. My biggest issue with this is, 1. ) I disputed this account MULTIPLE times and it came back as all good thats a huge violation 2. ) Even once they delete this off my credit, it wont fall off until next credit cycle. So my credit will remain affected for even LONGER- when it should have never been affected at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Today, XX/XX/23 at approximately XXXX MST, I called Citi bank XXXX negotiate a settlement payoff on my account ( a closed account that was originally through a XXXX XXXX where I obtained car services. One day the dealer told me they no longer offer credit through that creditor and so the account was automatically closed leaving me with a balance due and no available credit opportunities ). The balance due is currently {$650.00} and they refused to negotiate a settlement amount with me. They said the only option was to continue with payments to avoid fees. The call is on a recorded line and should be referenced. My intention was to avoid bankruptcy, maintain/improve my credit, and to be able to pay the debt I owe to the creditor. I mentioned that we have a recent financial hardship and that due to flooding in the home, our tenants moved out and we have been struggling to pay all of our bills since the flood damage and loss of renter income. 
I asked the Citi associate if there was any other options that Citi could offer. I mentioned that I had other Citi accounts and that this one seemed like the one that I could try to pay off first to be able to get some momentum to pay off the other larger accounts. I asked for a final settlement payment of {$400.00} but was met with near silence regarding my proposal. I asked if there was another department that could help me if it was not within her authority to negotiate and she said there was no other department that could help me. 
As a consumer trying to pay off my debt vs. file for bankruptcy or be forced to use a debt consolidation company, who negotiates with creditors on borrowers behalf, I feel as though Citi was not willing to work with me, nor did they offer any viable solutions. The associate simply said that I wouldnt get fees if I paid my bill on time. Thats obvious and almost ridiculous to say as a solution. She also said that if I make my payment on time and even pay a bit more that it wouldnt be that long before I pay off the debt. After paying {$81.00} by XX/XX/23 then may minimum payment is $ XXXX which means it would take me an additional 21 months at a minimum payment to pay the debt. Citi is more comfortable with me paying $ XXXX for nearly two years vs. negotiating with me on a final payout which would allow me to pay off my other Citi accounts better ( bring them current and make consistent payments ). 
This is not very motivating for me to NOT use a debt relief company or file for bankruptcy. How can debt consolidation companies settle on consumers behalf but the consumer can not successfully achieve similar outcomes on their own?

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 2018-01-04
Company: Focus Holding Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
FOCUS FAILED TO FURNISH 30 DAY NOTICE, VALIDATION AND WENT ON CREDIT REPORT ANYWAY. 

IGNORED CEASE AND DESIST AND AND DO N'T CALL ORDERS CALLED MY FAMINLT 11 TIMES ON CELL ( GOT PROOF ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
First of all we all know when a business uses the term XXXX it is just a big front. 
Also, I know we can all agree, all across the nation, how I am an irresponsible, scatter brain, no it all, but I have said it before and I will say it again I did not receive the first two pages of the You call that a car loan credit application Another thing why do the copies that were just sent by this bank, not have Dealer Track XXXX, Dealer Track XXXX and Dealer Track XXXX on them, like the ones I receive from The Office of Attorney General of California? I am willing to swear under oath to find the truths in all of my 20s of letters sent across the nation about what happened at XXXX XXXX XXXX XXXX on XX/XX/2023. Are the parties involved at the dealership willing to do the same. Probably not? Because they are all spineless, I have enclosed two documents that shows who the liar is who had inappropriate things on their mind. 
Dear Consumer Financial Protection Bureau I XXXX XXXX XXXX assert my 1st amendment privileges which are freedom of speech and expression of what one believes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: MO
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 some inquiries that do not belong to me 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
Consumer complaint received 2023-07-22
Company: The CBE Group, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX continues to add a false collection debt to my report. Earlier this year is was from one collection agency ( The CBE Group ), and now the same FALSE debt is showing up again from ENHANCED RECOVERY, another collection agency. I have NEVER had any relationship with the company that they say it was originally owed too. The $ XXXX debt was false with the previous collection agency and it continues to be false with this one. I can't be filing complaints for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax has not fix issue I can not create account their excuse name not spell right send in info over phone spoke to supervisor id social was told problem solve you can create account back to same problem were not able to id you send in picture of id and social still problem not solve their respond were did you send it to its been 20 days from first issue know working on 15 days I send to address provided at time now giving different address to send to and send certified on XX/XX/XXXX I clearly explained to Equifax that I am in process of buying a home lender can not access my files I am in process with second lender they will not be able to access my report from Equifax need help please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had an existing vehicle loan with schools first federal credit union when I purchased extended warranty from them for this vehicle. On XXXX XXXX I purchased the extended warranty platinum plan for XXXX miles for approx {$1200.00} which was added to the existing auto loan. In XX/XX/2023 the vehicle broke down. Upon reaching out regarding warranty an info email was sent to me. This email reflected incorrect start and expire mileage for the vehicle warranty. It was alarming because it appeared the warranty had expired based on mileage. I followed up and the company indicated that was the mileage reported by the bank at initiation of the contract. I would need to have the bank make the correction on their end. 
It seemed an easy fix. The bank confirmed correct mileage using car fax info and submitted the request only to discover i would have not been eligible to even purchase this plan because at the time the car mileage was above the cut off for the platinum plan. This is resulting in a {$500.00} increase to backdate and adjust to the gold plan which the warranty company agreed to. 
The gold plan is only covering about half the cost of repair -which I anticipated based on my purchase of the platinum plan that i would only be responsible for the deductible. With the comfort of my full warranty for XXXX miles i made the choice to keep this vehicle rather than trade it at which time the value of my car was very high. Now the value is lower and XXXX left with high rental car cost and {$2000.00} out-of-pocket repair. I feel the bank is responsible for this cost since I was unable to make informed decisions at XXXX XXXX of warranty purchase and subsequently since with regard to keeping the vehicle or not based on their error. The bank has denied request for reimbursement of out of pocket cost less the deductible. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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 2023-09-23
Company: DISCOVER BANK
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have had a credit card reporting with discover, however i have never used it or had access to it. It is on my credit report. I would like to open a credit card with discover but everytime i apply it tells me I'm denied because of the history that i have with you guys. My card is reporting positive, we did not have a bad relationship, so I'm confused as to why I'm not able to bank with you. Can you please help or give me an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PENN Credit Corporation has been trying to collect a XXXX & XXXX debt from me in the amount of {$340.00}. The debt is not only mine, but I did not live in the residence associated with the account during the time they are stating. I have disputed the charge, contacted the company to dispute the charge, asked for a validation of debt letter and also informed the company, along with the credit bureaus, that I am a victim of identity theft. I've had my credit report frozen and still have gotten no resolve. I've been verbally abused by representatives at PENN Credit Corporation and haven't received any written statements that validate the debt is mine. This is one of few battles I am fighting, and while other companies are being understanding, PENN has been nothing but rude. I even contacted XXXX & XXXX and spoke to a representative who admitted that they wrongly charge their customers for periods of time not living in the residence of an associated account. If that information doesn't get this removed from my credit report, I don't know what else will. I've done all the right things here and have taken appropriate action, so I'd greatly appreciate this false debt taken off my credit report immediately, so all parties can move on. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation