BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: TX
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2017-06-12
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: Information belongs to someone else

Complaint:
I HAVE AN ACCOUNT FROM  XXXX   XXXX   XXXX   XXXX  SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT. IT SHOULD BE REMOVED FROM MY CREDIT REPORT. I HAVE CONTACTED TRANSUNION IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY ACCOUNT.

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 2022-04-04
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022 I paid XXXX the remaining balance of a charged off loan in the amount of {$54.00} ( {$52.00} plus tax ). The account wasnt updated with the credit bureaus so I disputed the account to get it updated but the account still came back showing a balance of {$52.00}. I called the company multiple times and they have acknowledged that I paid the account but have stated they dont know if the credit bureaus will update the information. Can you please help rectify this problem. 

Attached is the bank statement showing payment to XXXX. Page 6.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022 I paid XXXX the remaining balance of a charged off loan in the amount of {$54.00} ( {$52.00} plus tax ). The account wasnt updated with the credit bureaus so I disputed the account to get it updated but the account still came back showing a balance of {$52.00}. I called the company multiple times and they have acknowledged that I paid the account but have stated they dont know if the credit bureaus will update the information. Can you please help rectify this problem. 

Attached is the bank statement showing payment to XXXX. Page 6.

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 2017-06-12
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX   XXXX  l, closed  2  of my accounts, best buy and  XXXX . I have had these account for years. never been late was a good customer. they said my credit rating went down. ( with them closing my account the real went down   ) w  hat gave them the right to judge me!

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 2022-09-13
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Discover credit card that has a large credit line that has been active with them since XX/XX/XXXX. I pay all balances in full every month and have excellent credit. I travel often and spend large amounts frequently. On XX/XX/XXXX, I tried to check into my hotel in XXXX XXXX ( XXXX XXXX XXXX ) and pay {$800.00} for a 4 night stay and was told Discover declined my card in front of about 10 people standing in line. This is after I've already made an initial deposit for the room weeks earlier and after we've already made several other food purchases in the area. When I called Discover, I was hung up on, transferred about to 3 people who couldn't do anything except blame me for " not signing up for their fraud alerts '', which I have actually done in the past as well as signing up for the suspicious activity on my social security number with Discover. They also blamed me for not calling them to notify them " every time I travel ''! We travel ALL the time, and we've never had to call before. Now after 22 years and hundreds of thousands of dollars spent ( literally ), I have to call me credit card company to get permission to use the card every time I travel?? No one at Discover could explain why they didn't attempt to call me BEFORE embarrassing me with declining my card. They have my cell #, email, and texting contact numbers, but they couldn't notify me? I have to call them to spend {$800.00} because I'm out of town? We are out of town on a weekly basis and never had this problem. Discover card is making the practice of using my card after being a LOYAL customer of 22 years ridiculously impossible. They STILL couldn't sign me up for text alerts. They said " I had to do it myself online '' after spending over an hour on the phone. The " new security standards '' have caused me embarrassment and are not realistic for someone who routinely travels out of town. No one could explain or help in any way, and I had to " wait for a manager to call in 24 to 48 hours '', but they couldn't give me a name or contact number of the person who would call. Horrible experience and unrealistic burden for a customer that buys anything in a city they don't live in!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: U.S. BANCORP
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
US Bank is being disonest with the CFPB and myself by not directly answering my questions : Did US B ank hav e 11 recordi ngs of calls in which I allegedly participated?  Does US Bank have a method to record, store and catalog all calls to its call centers regarding credit cards. US Bank is misleading its cardholders when it states " Each time you contact our Cardmember Service Department we provide a message that states your call may be monitored or recorded for quality purposes '' US Ba nk claims it is using the recorded calls for " quality control purposes '' when it is using those calls for other reasons.      US Bank also claims, falsely that the signatures on the sales drafts match the signatures on my application and other documents. I hired a forensic handwriting analyst and he claimed there was no similarities, but US bank  refuses to provide their own analysis to support their specious claim.

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 2022-09-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a Citibank credit card for 6 years and 2 months. I have been on time 100 % I received a letter from them saying that they chose to close my bank account BUT the letter said nothing about closing my credit card. On XX/XX/XXXX, while shopping at Costco, they allowed a credit of just over XXXX, but XXXX mins later they denied the purchase. There was no notice or reason why they abruptly shut down the credit card account. Furthermore, there are three different account holders on this credit card that were affected abruptly. When my husband and I called, we were told we had to fax a letter asking why this happened. We did so and we have received no response. We called again today and were told that a letter would be coming to us in the mail. This is absurd and we deserve to know why this action was taken against us, when we have been 100 % on time with every payment for six years and two months straight

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 2017-06-12
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: Public record information inaccurate

Complaint:
On  XXXX   XXXX     2017  I received a letter from the IRS instructing  XXXX   County   Circuit Courts  and the Credit bureaus to remove a paid lien entry on my credit reports, I sent them both a certified letter showing this, They have failed to comply and remove this entry from my credit reports as they are unfair.

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 2017-06-12
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:
paid my loan in full on  XXXX / XXXX / 2017  and is still reporting as an open account affecting me getting approved for a mortgage.  XXXX  financial services said there is nothing they can do I have filed a dispute with   XXXX   and they said  XXXX  is not responding. although the account has been paid it is still reflecting on my credit file as open.

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 2017-06-12
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: Account information incorrect

Complaint:
paid my loan in full on  XXXX / XXXX /  XXXX   and is still reporting as an open account affecting me getting approved for a mortgage.   XXXX   XXXX   XXXX   said there is nothing they can do I have filed a dispute with  XXXX  and they said  XXXX  is not responding. although the account has been paid it is still reflecting on my credit file as open.

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 2018-10-15
Company: MNE Services, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I paid off one loan from them in XXXX for a total of {$950.00} on a {$350.00} loan. At the time, a Mr. XXXX XXXX told me the loan was paid in full. Last week he contacted me again saying I have another loan over due, also for a settlement of {$1000.00}, on a loan of {$350.00}. I believe that is too much money. I can not pay any where near that amount. I have emails from this company if needed. I don't know how to send emails to you from them.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-28
Company: JPMORGAN CHASE & CO.
State: NV
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:
I made a reservation for a rental car with XXXX. The rental car company in question was XXXX. The Res # is XXXX with an ext ref # XXXX. I used my Chase Saphire Card ending in XXXX. When we arrived at the rental card company to pick-up the car, XXXX could not find our reservation. The counter person said, " This was between me and XXXX. '' Since I was stuck at the airport and needed a rental car, I booked another reservation with XXXX for XXXX. The above are the reference numbers for the car I received. Since I found this to be abnormal I called Chase to see if I had been charged twice. After review of the statement I found that a charge was posted on XX/XX/XXXX and one was showing authorized for the reservation I just made, infact being charged twice. After discussing this with XXXX they refused a refund saying these were non-cancelable / non-refundable reservations. Bottom line is I paid for two cars, received one, and neither Chase nor XXXX was willing to make it right with me. To make things worse, I late received an email from XXXX saying their system was not functioning properly and wanted information about the car that I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Lost card for 48 hours didn't realize it and it was used by someone else. Reported to credit union and they said that debt was valid. Fraud can't be valid but credit union reported negative to credit bureau on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: BMW Financial Services NA, LLC
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:
paid my loan in full on  XXXX / XXXX / 2017  and is still reporting as an open account affecting me getting approved for a mortgage . Bmw financial services said there is nothing they can do I have filed a dispute with  XXXX  and they said BMW i s not responding. although the account has been paid it is still reflecting on my credit file as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: LA
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 asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed Notfication claiming that the bankruptcy was verified by the Bankruptcy XXXX. 

Appalled by that information, I went directly to Bankruptcy Courts and in response to my inquiry they claim to have never verified this item with you and provided me the enclosed letter. This would mean this bankruptcy is by law considered XXXX. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A XXXX must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the XXXX is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the XXXX letter for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My bill for XXXX was x amount of dollars I called them them in attempt to pay it off and turns out they are saying it's much higher that's the bill no sort of interest etc on top of the price I actually called them a number of times and they are sticking with it and I don't know how to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second time i submit a complaint against the company demanding to remove the account in collection from my credit report ... i have no ownership of this accounts ... i want the company to review their files and match my ssn against the ssn they have on file ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This debt collector has numerously contacted my family members and employer. He also calls once or twice a day. Repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had just received a response from Dovenmuehle regarding incorrectly charging me for two insurance policies and increasing my monthly payments from XXXX to XXXX and change. I dont understand why they have now changed my monthly payment from XXXX to XXXX for 12 months. They claim I have a shortage in my escrow which is true since requiring to get windstorm insurance and then paying the XXXX insurance out of my escrow. But increasing my monthly payments by XXXX for 12 mths because of a shortage of XXXX, doesnt make sense!! I demand to know why I am being charged this amount for 12mths! I have attached your last explanation and its incorrect. You stated the increase is only XXXX. Clearly you dont know Basic math!! Please see attached documents and explain to me how you can justify this increase of XXXX for a year!! Why dont you allow us to make the payment to my escrow for the shortage?? You are criminals! Escrow fraud!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX, Exeter Finance Corp acted in a predatory manner when financing my vehicle. My credit score was under XXXX, I was late on my current vehicle. I had a bankruptcy discharged just a few years prior, and I am female. Exeter gladly financed in the negative equity of the vehicle I was currently late on, $ XXXX.The apr was 18.95 % and total amount financed was $ XXXX. On a vehicle whose purchase price, less manufacturer rebate of {$3500.00}, and cash down of {$2000.00} should have been XXXX was financed through Exeter with negative equity and all for {$25000.00}. My payment was {$580.00} per month. <P/>If this was n't bad enough, a year later I became too sick to work and lost my income. I was unable to make the payments. I was called continuously by Exeter 's collections department even though I informed Exeter that I was on XXXX and told them I had little to no income and did n't know when I might have income again. I asked them to come pick up the car on many of these calls. A few months later in XX/XX/XXXX orXX/XX/XXXX they finally sent a company to repossess the vehicle. It was XXXX XXXX. in the morning. I relinquished the car voluntarily. They sold the car at auction XX/XX/XXXX for {$12000.00}, leaving the balance surplus of {$14000.00}. However, they have continued to add interest daily and my report shows I owe over $ 20k and they have repeatedly reported my delinquency incorrectly since. When I tried to contact Exeter I learned that the phone number they listed on the credit report was a dead end. <P/>I am permanently XXXX and have suffered enough from their damaging tactics in reporting my delinquency to the credit bureaus. I did not plan on getting sick, and I have suffered enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TCF NATIONAL BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TCF Bank takes too long to send my account info to third party companies like XXXX XXXX that are trying to help people without credit avoid overdraft fees and predatory payday loans.

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