BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
State: NC
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:
On   XX/XX/XXXX  we had a severe thunderstorm that  disabled   my   XXXX   yr.  old    XXXX   XXXX   49 '' lcd TV. I have supplemental Home Insurance Coverage w/    XXXX   XXXX   XXXX  . in   XXXX   XXXX   Fl . - XXXX - Acct. #  XXXX . I called to file a claim, the automated voice asks problem, if TV press certain #. Spoke w/ Cust . Svce. who advised " claim denied- TV 's not covered '' .Their Booklet shows items covered w/  ELECTRICAL SYSTEM listed.Wh en I joined i n  XX/XX/XXXX  I  was told by Cust. Svce that " ANYTHING connected to Electricity or Water was COVERED-Period  ''! I com plained via their Website Email today   XX/XX/XXXX . I  was unable to find a local TV Repair so I went back to   XXXX   XXXX   in  XXXX , NC   XXXX   XXXX   XXXX   XXXX    where I had bought the   XXXX   in   XX/XX/XXXX .  It was out of warranty so I asked for a low cost replacement- ( retired- $ limited ) .I have a   XXXX   XXXX   Card that I have used for years to buy printer ink- also exchanged a defective Printer twice recently. I found a similar   XXXX   XXXX   & requested a 2 yr. Finance Contract-same as I used 2 yrs. ago.
The request was denied b y    XXXX   XXXX   /  XXXX   XXXX   - Acct. Closed. The sales person re- entered the info requesting a new Card. Denied again. I had gotten " over my head '' w /  2 Cred it Cards ( my fault ) & was advised by an Attorney to file Chap.  XXXX . I did & it was dis- charged   XX/XX/XXXX . b ut to this date   XXXX   XXXX   has REFUSED to report my  XXXX  debt which was paid  off  XX/XX/XXXX  up  to this date. I explained this to the salesperson -nothing they could do- & purchased an Open Box ( returned ) similar TV for {$450.00}. Finally, as for this credit problem, I am looking to trade my   XXXX   XXXX   for a less expensive model which will lower my expenses by aprox. {$300.00} a mo. I have NO bills since Chap.   XXXX   & have never missed a pymt. with ANYONE. My SSI & Pension are {$2000.00} NET a month, my Current Credit Score is   XXXX      XXXX   XXXX  ,   XXXX   the   XXXX   others. Since the   XXXX / XXXX   rejection I 'm afraid I may not be able to make the car trade w/ a Co. like   XXXX   XXXX   ( lower rates etc ). I should be able w/   XXXX   since I 've been with them 2 yrs. & have saved {$2000.00}  XXXX  for a  XXXX  model- selling for {$12000.00} Max. That 's my story.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: DISCOVER BANK
State: DE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was a discover card holder as of 2013. During my entire card membershipwith the company, I was never late with my monthly payments, always stayedunder my credit line, and never charged my credit card for any purposesother than making a legitimate purchase. 

This was my first credit card that established my credit history as of 2013. 
About XXXX weeks ago, without any warning and notice in advance, the companyclosed my account and thereby wiped out my 2 years of credit historyassociated with Discover card. I contacted the company and demanded for ananswer. Other than the excuse that " we are no longer able to meet yourservicing needs, '' the company never gave me a forthcoming response. 

Upon the discussion I had with other cardholders and information I learnedfrom the internet, I have a reasonable belief that the closing was XXXX a large number of cardholders with a particular racial and ethnicbackground ( more specifically, XXXX XXXX without a just ground. Ibelieve that CFPB is or will be getting more similar complaints in the nearfuture. 

I respectfully urge the CFPB to take this matter seriously and to look intothis case. We consumers are powerless to protect ourselves fromdiscriminatory actions like this. But if the closing was indeed motivatedby racial bias, the company 's action has to be put in an end. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions 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:
These are not my accounts, nor did I live at any of these addresses listed. Please remove them from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: John C. Heath, Attorney at Law, PLLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was harrassed by lexington law for months and after finally accepting there service, they didnt file one single dispute at all after 3 months of payments and other various fees ... wishing i could get my money back and get information about a company that actually helps with credit repair ... is there one out there?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Integrity Funding Ohio, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is on my credit report and this is fraud. They have a   XXXX   XXXX   who owned these accounts living in Florida. I have never lived in Florida, nor have I have been affiliated with these companies.
They need to remove themselves from my credit report and leave me alone.
I live in Ohio. The   XXXX   XXXX   they are looking for lives in Florida. Please contact this company and have them stop harrassing me and sending me documentation. I 'm assuming after attempts to locate this person, they found the same name in Ohio and have sent this to my address. Attached. However, as you can see the person they are looking for is from Florida ( Consumer name and address ). This needs to stop and they need to remove themselves from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: MO
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:
Experian continues to report delinquent payment history for an account settled with   XXXX   XXXX   despite prior attempts by me to correct this error through the FCRA dispute process. This account was settled in  XXXX  2016 with payments made through and including   XXXX    2016. I disputed ( see attached ) this with all  XXXX  of the major credit reporting agencies as well as   XXXX   XXXX   on   XXXX   XXXX    and  XXXX  and  XXXX  corrected the error, but Experian did not.

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 2017-07-18
Company: ALLY FINANCIAL INC.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Leased a   XXXX   XXXX   XXXX   from a local dealership who ran the lease through Ally. Turned the car in on a pull ahead program and the day we turned it in Ally electronically took another month 's payment (   XXXX   ) out of our account. Was told we would get that payment back since we no longer were leasing that vehicle. Ally just sent me a letter saying the lease was satisfied, but when I called them to ask about the refund for the month going forward they claimed they do n't owe me anything.   XXXX    fired Ally some time ago and  XXXX  claims this is just Ally getting back at them and they have no responsibility.

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 2015-05-20
Company: Focus Holding Company
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not know what the calls are about as they will not give me information about their call without requiring me to disclose personal information that I am unwilling to give. I receive XXXX5 calls a day from this company. I am on the " XXXX, but they just keep calling. When we ask who they are, they refuse to tell us. When we ask why they are calling, they require personal information to disclose why they are calling. So, they just call again two hours later. They secretary of our company spends hours each day dealing with this! Please make them stop these unscrupulous tactics. This has been going on for months! They call from Focus Receivables Management in XXXX, GA from the number XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a 3 month forbearance plan due to COVID-19. It was scheduled to end XX/XX/XXXX with my total deferred payment and monthly payment being due on XX/XX/XXXX. I called Penny Mac to discuss repayment options as paying the entire amount back at once is a hardship. I called on or around XX/XX/XXXX to try and be pro-active to work out the payment details. The individual I spoke with kept pushing me to wait until XX/XX/XXXX ( 7 days late ) and I would hear something from them by then. I'm not going to wait until I'm late to make an arrangement that sounds like a poor plan. After speaking with him and giving some financial information he said I wasn't eligible for anything and needed to wait and kept pushing me to wait until I'm late with my loan ( bad plan ). I asked to speak with his supervisor and spoke with her. We re-checked my financial information provided and she offered me a 4 month repayment plan starting XX/XX/XXXX and ending XX/XX/XXXX with the money owed split into 4 equal payments. Over the next week or so I got a number of mailings with very confusing and conflicting information from what I was given over the phone and basically said my repayment plan was denied. I waited until my monthly statement and next payment due showed up, which conveniently wasn't until XX/XX/XXXX and Penny Mac customer service is closed, to see indeed my entire amount is due this next payment on XX/XX/XXXX. Very deceiving and late/slow practices here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX Public Records are being reported incorrectly at XXXX 7 years on my Credit Reports. Not only were these records a result of my ex-wife 's malfeasance, they were satisfied YEARS ago. 
My credit is immaculate, but for these reports. I work very hard to maintain it as such. Note, the Internal Revenue Service reviewed these public records an determined that I was an XXXX Spouse based on my ex-wife 's actions, and awarded me Innocent Spouse Relief. 
I paid her debts, and divorced her. I would appreciate having the derogatory information removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$5000.00} on    XXXX   XXXX  , 2017 and the che ck was deposited into my account. When I tried to withdraw the money I was told my account was being closed for expected fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Navient Solutions, LLC.
State: NY
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:
Navient and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with   XXXX   ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from Navient to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since Navient runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian is stalling the resolution of the investigation of my complaint against them by asking for more information that was already sent to them in my last credit report dispute - information that they recognized receiving by giving me a dispute number for 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 non-monetary relief
Consumer complaint received 2017-07-18
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
i have a personal account and business account with navy federal credit union.i wrote a check by mistake for about {$18.00} from my business account and three checks totaling about {$11.00} or {$12.00} from my personal account.They closed and charged off my business account and, trans fered about {$140.00} in overdraft and fees to my personal account and now want about {$340.00} in overdraft and every 5 days {$38.00} late fees.can you help me? I am a XXXX YEAR OLD XXXX XXXX XXXX XXXX, XXXX XXXX VETERAN, ON SOCIAL SECURITY {$690.00} AND VETERAN XXXX {$130.00} A MONTH INCOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-30
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was on a payment plan with XXXX XXXX  that was covered by insurance. I submitted the paper work and they covered the monthly charges. My escrow company requested a pay-off amount and the check was sent to the wrong mailing address. In the process of trying to locate the payment more time passed. XXXX added an additional {$70.00} to the bill. That amount should have been covered by the insurance per the hardship agreement that was sent in. After the payoff was received that kept raising late fees even though I no longer used the card and sent the amount they said was the payoff amount. Now it's on my credit and I'm getting secondary emails from True Accord debt collection. This should be removed from my credit and shown as paid as agreed. They turned {$70.00} into {$260.00} debt on my credit report. I called to make sure the check was received and I'm still dealing with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
American Express froze my Membership Rewards account for no reason and claimed that I 'd have to wait up to 6-8 weeks to use it. I have travel plans and plan to use the points but now I have to drop my summer travel plans because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Have XXXX autos this company was XXXX they filed bankruptcy then me and my husband filed bankruptcy in 2010 his shows mine do n't also extension for all school loans because of his illness done this XX/XX/XXXX and granted no payment or late due to his illness

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 2015-08-10
Company: U.S. BANCORP
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello FDIC Consumer Protection : US Bank XXXX California called me last XXXX XXXX 2015 ; US Department of Treasury contacted XXXX as U.S. Department of Treasury - grant money transferred to US Bank in California then they told me pay {$500.00} for safe deposit fee ( scam or not scam ) so please investigation to make sure if no scam or scam letting me know and let my sister XXXX XXXX knows at Please FDIC calls XXXX at XXXX voice about US Bank of California and US Department of Treasury makes sure - if there no scam, please sister helps with me through this grant account XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a friend who is a resident of  XXXX  and has accounts in the United States at 2 financial institutions. One of the institutions being USAA. I have power of attorney for my friend at USAA. Just this year they have started withholding taxes on his CD and Savings accounts even though he has a   XXXX   XXXX   form on file and it is up to date. The form he has always used to not have taxes withheld. This form allows him the benefit of not having to pay taxes on any interest or dividends accrued on accounts because he is not a US citizen and does not live here or have any type of business. I have contacted USAA on several occasions regarding this matter and they are unfamiliar with the form and have stated they had an audit in   XXXX   of 2016 and deemed it appropriate to start withholding taxes because he is the primary on the account. Of course he is, it is his money and because of the treaty between   XXXX   and the United States he has the ability to be tax exempt. His other bank does not have a problem with this form and still honor it. The   XXXX   XXXX    form is very clear he is tax exempt.
Sincerely

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion removed inquiries from my report and added them back with proper notification and it 's against FCRA

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 2017-07-18
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Sign up bonus terms were 50k XXXX points after spending $ 2k within 3 months for Preferred Rewards Gold card ending in -XXXX. Minimum spend was met back in XX/XX/XXXX ; have opened a case with XXXX but they keep blaming an " internal issue '' without further elaboration and keep telling me to wait/check back in a week.
As a side note, I 've also not seen my {$200.00} statement credit post, but I have also not yet been assessed the {$190.00} annual fee, so as long as that does n't post I 'm not worried about the statement credit. If and when that becomes and issue, I will reach back out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I wrote letters to XXXX XXXX and XXXX asking them to investigate and REMOVE the inquires form my credit reports from XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with XXXX XXXX. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.

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 2016-01-12
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Chase receivables collection agency of XXXX California sent information to credit bureaus stating that I owe {$82.00} to a medical institution. Problem I was never notified by the medical institution or chase receivables that I owe this money. Credit bureaus reporting that collection was opened since XXXX of XXXX. Problem is nobody sent me a notice or warning of such actions and now it 's on my credit report as of XXXX XXXX and my credit score went down by XXXX pts. When I tried to contact chase receivables they stated that I need an account # for them to know what debt I was calling about. So basically when I gave my name and address they could n't find me in their system but somehow they reported me to credit bureaus stating that I owe money. This is unfair and it is fraud! And now I am stuck because I ca n't get nowhere with collection agency and credit bureaus will not remove from credit report until XXXX! This is consumer ripoff.

Company response to consumer: Closed with explanation