BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: MA
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:
I am writing to dispute U S DEPT OF ED/XXXX/XXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the 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 2019-12-15
Company: EQUIFAX, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
During XX/XX/XXXX at the end of the year in XX/XX/XXXX I notified the school that I would not be able to attend due to medical reason and would like to take time off and filled out the proper paper work as well as other issues that were causing a problem. I was ensured everything will find and when I could restart they would allow this. In XX/XX/XXXX the beginning of the year I was receiving calls that I wasn't attending class and they said they didn't have all paper work and it was sent again. My adviser left that school during this time or they changed the adviser and again I thought it was okay weeks later I see another class was started and said I had not attended and was in violation. I again called and told them to and they said they would take care of it. They refunded the money back to the loan company for the federal loans so I assumed everything was okay. The following year in XX/XX/XXXX I received notice I had a bill from the University of XXXX and that it was past due and was being reported as write off from the school and listed by credit reporting Agencies as a closed account and as a revolving installment loan that was late. I contacted the school and they said that the bill was left over from the XX/XX/XXXX semester and even though I didn't attend it wasn't done in time so they were billing me. I explained what happened and requested a investigation and requested them to remove this until the investigation was over due to me involved in trying to buy a home. They said they do not delete anything but I could pay and they would up date it. I stated to them I don't owe this bill and to stop the collection process and delete this and it was reporting that I was late on a open installment loan but listed a couple of time on the report in closed accounts and in installments loans that are deliquent now I have 8 late pays and the collection agency as well as the school are on my credit report and they are refusing to remove. As you can see they are in the right here and since they returned the funds to the XXXX XXXX XXXX and I am not in default with them at all and they are continuing to pay for school for me. I also at this time must tell you they kept XXXX over that amount of funds that are due each semester as a refund to me after the classes are paid for and I pay that back to the XXXX XXXX XXXX. They stated to me I accepted a direct deposit of the refund in which was not the case. They never refunded that amount and yet they are claiming I owe for a entire class of XXXX, so why would they refund that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Ive had several problems in the past with Fraudulent things being reported on my credit. While in the XXXX I was XXXX, and my identity was stolen. Many things were opened in my name and charged off. I contacted Equifax and XXXX regarding such. Negative information was being reported, and my disputes came back for XXXX and never for equifax. There has been several fraud alerts on my credit report, and things were STILL hitting my report. Ive had ongoing problems now. Whenever something falls off- another account takes its place. My information was shared. Multiple inquiries piled up- for things I havent done or applied for. Im a XXXX XXXX XXXX employee. Ive paid for fraud protection services and received NONE. I am disappointed in the bureau and would like some attention to this matter ASAP. I assumed it would stop, and Im working with the creditors to get it removed due to it not being myself who opened the accounts. Starting From the fall of 2018 to This year, it started right back up! Ive called several times to speak with someone and the help has been minimal, or Ive gotteb hung up on. I have obtained a lawyer, and would like to file a suit for sharing of my personal information. And for allowing fraudulent activity while signed up for fraud protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

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 2020-06-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Step 1 : What is this complaint about? 

Experian will not let me complete a tenant credit and background check for my landlord that I need to secure housing. I have called them and it is impossible to find a human to explain the situation to. None of their menu options have helped this problem. 

Step 2 : What type of problem are you having? 

https : //connect.experian.com/tenant-screening/tenant-credit-check.html Experian does not let me complete this form that I need to secure housing. They are inaccessible via phone and email. This opacity is unacceptable. I need to speak to a human to fix these problems but none are available to speak to. 

Step 3 : What happened? 

I froze my credit with all three credit bureaus after the data leak years ago in XXXX. Months ago, I unfroze my credit with XXXX  and XXXX  online. This process was easy and painless. Experian required me to send information to them via mail to verify my identity. I did this, and never heard back from them. I am not sure whether my credit is still frozen with them and I have no way of checking. I am unable to secure housing for myself because of this. The opacity of this company is preventing me from solving the problem. I need to speak to a human representative at Experian to solve the issue and none are available. I have tried for many hours. 

Step 4 : What company is this complaint about? 

Experian Step 5 : Who are the people involved? 

My prospective landlord, me, and Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My account is past 30 days due which inaccurate, my account was never past 30 days due for west lake profolio management neither XXXX credit card. I was wondering if those late payments can be deleted please because they are inaccurate. Also there is a collection for XXXX XXXX XXXX for XXXX which is inaccurate I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has  been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: ProCollect, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved into my apartment on XX/XX/XXXX, stayed my full lease length of 12mo, with all on time rent payments. Moved out on XX/XX/XXXX, was told i would be receiving the security deposit within 30 days after moving out. When the end of XXXX/ beginning of XXXX came around and never received it, i called multiple times weekly to inquire, with no answer. After getting an answer mid-XXXX was told that i owe them money, and that i wouldn't be receiving it. When asked for proof of this was denied/they couldn't provide it. Further investigation showed that the collection was put in on XX/XX/XXXX, which was approximately a month after i moved out and from the time I moved out, to the time i discovered the collection in XXXX, was not once contacted in any form about the debt they felt i owed them or any type of proof to show that i did.

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 2021-12-11
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
I applied for a American express business platinum card in mid-XXXX  while I was visiting XXXX. The site stated it would award XXXX membership reward points. Meanwhile, American express sent me a solicitation email promising to award XXXX points. I called AMEX and sent all the required documentation. I didn't hear from AMEX. I called after a month and explained and provided more details. I didn't hear anything. I called again and was told the solicitation was not meant for me. How is it possible when the letter is sent to me. I was promised I will receive an email within a week. So far I haven't received any email. I am contesting, AMEX 's argument that it was not meant for me. In that case why did it send me the mail, wasted my time, and resources to shred the letter. AMEX is ingenuous about the whole situation and trying to stiff the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
My Suntrust Account was converted to a TRUIST bank account a few weeks ago. After Truist took over customer service has been terrible. Recently I was incorrectly charged by a merchant but I can not contact TRUIST bank to dispute this charge. No email address to contact them, no " Chat '' function, and the XXXX XXXX number on the card or on the web site is not answered. At Truist the lights may be on but no one is home! 

complaint XX/XX/2022 Merchant : XXXX XXXX  XXXX XXXX {$26.00} charged twice but I paid cash when the card reader wouldn't work. 

This is no way for a " Major Bank '' to behave. Literally zero customer service/support. I want my Suntrust Bank back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: ID Analytics, Inc.
State: KS
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: Other problem getting your report or credit score

Complaint:
I have never heard of this company until I was recently applying for an auto loan and was turned down. I received a letter in the mail from a company called XXXX who said they relied on information from a reporting agency called SageStream LLC. This company had my credit score at over 250 points LOWER tha

n the 3 major bureaus for reasons that were false. 1. Said my area code on my phone number is not correct for my address. My area co de is
XXXX  and I live in XXXX Kansas  - the only area code for this area is XXXX.

2. Said length of time at address insufficient. Since when is 6 years not long? 

Plus other information about my credit that was false. In order to get a copy to dispute, I had to send them a copy of my drivers license. That was almost 2 months ago and they have never acknowledged me or sent my report. When I XXXX their name it appears everyone else is having the same problems and are calling them a fraudulent company who purposely understates score so lenders can charge more interest. Please protect consumers and shut down this fraudulent company who does not accurately report on information that is even relevant for a good credit score. Their low-scoring items are unrelated to how I pay my bills and are not consistent with any other credit reporting scoring system. 

Now they have my drivers license and Im afraid its a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My parents who are not in the states sent me a wire transaction of XXXX dollars XX/XX/2019 to my Chase checking account, however I provided a wrong account number but with all other information correct like my name and address etc. 
After we find out the fund didn't arrive at my account due to a wrong account number provided a week after XXXX, we filed a withdraw request to Chase bank asking for refund. Then Global solution center of Chase bank has been telling me they had been keep investigating it and they said that the fund has already went to the beneficiary 's account ( which is the wrong account ) and they were trying to get contact with that guy for the next 2-3 months during which they never updated with me even when they closed the case. After that I turned to a branch manager to ask for help and this kind manager have been helping me making a lot of calls to different department to ask about the investigating result.

Then, after ending up with no result, the manager helped me escalate it to complain department  which gave me a final decision that they won't be able to get the fund back. 
During the past 6 months, I have heard different versions from the Chase bank like the money has/has n't went to beneficiary 's account. Also Chase once said the my parents had the name that matched the wrong account number which is absolutely impossible. 
I understand that Chase should not be blamed for me providing the wrong account number, but how can they not even try to match the name for the account? Even some online purchase need to verify your billing address to approve the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
while checking my most recent credit report i noticed inquiries and accounts i did not authorize ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
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:
while checking my most recent credit report i noticed inquiries and accounts i did not authorize ....

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 2020-04-22
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a mortgage onXX/XX/XXXXwith Quicken loans - XXXX XXXX is/was the mortgage banker. We were approved for {$170000.00} then after underwriting {$160000.00}. We were okay with this as it kept us in the monthly payment range we wanted. We received a link to download our approval letter, which we did and were told to find the house of our dreams. 

We started getting emails every day and text messages from XXXX XXXX every other day and even got text messages saying we have appointments scheduled to speak with XXXX XXXX. We did not set up these appointments and we asked her in writing to stop sending us spam emails. They continued. I went to look at several homes one day and I got a call from XXXX XXXX asking how it went. I told her they were not great and we weren't rushing. XXXX XXXX said to keep in touch. Later that week we got a text message saying " reminder of XXXX 's phone appointment ''. XXXX did not make any appointment to speak with anyone at any time. I emailed XXXX XXXX and asked what/who was this about and who set it up. XXXX XXXX called me and I was told " if you don't stay in touch you won't be active ''. I asked " so are you not approving us if we dont talk every other day '' XXXX XXXX said " you wont be active but you are approved ''. Yes, I was upset. I was just going back to work and she was calling me again. We are in a stay at home order and were not in a rush to go out during this pandemic and tour homes. 

Our realtor contacted us about a home, that we had loved, came back on the market. I set up a appointment to see it. He stated he would need a copy of our approval letter if we wanted to put an offer on it. I went to the app that I was originally given when we were approved to email it to him. I did not have access and a call customer service number was in its place. 

After contacting customer service at Quicken loans, I was informed that XXXX XXXX withdrew our loan application and put a note in " XXXX to re-evaluate ''. I was told that I would have to re-apply. Pulling our credit again, that close would have caused a hit to our credit score. I was so upset, I told the representative that I never told her to withdraw the application and I was just told today I was still approved. The representative stated that it was withdrawn by XXXX XXXX. The representative sent a message to the director to see what she can do and we are waiting to hear. 

In the meantime, I emailed XXXX XXXX and asked what is going on. She states that " Never did I once say I will have to repull your credit. I simply said I can re-activate your profile '' so she admitted withdrawing our loan without any cause other than being upset I didn't want to speak with her every other day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: CCS Financial Services, Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have no record of this company as a owed creditor, will you please remove from my credit. Must supply open date and process of this date, or remove from my report ( XXXX XXXX ) Original Creditor : XXXX XXXX XXXX {$2400.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX initiated a loan with me in XX/XX/2018.The loan interest rate exceeds 150 per cent APR. 
The CALIFORNIA SUPREME COURT RULED IN XX/XX/2018 that this loan 's interest rate was " unconscionable '' violates California 's UCL ; Bus.and Professions Code 22302.The court ruled that this lenders unconscionable interest rate along with other behavior displayed by XXXX made the loan UNENFORCEABLE. 
AN UNENFORCEABLE LOAN CAN NOT BE DISPLAYED ON A CREDIT REPORT AS THAT DISPLAY IS '' AN ATTEMPT TO COLLECT A DEBT '' .THIS LOAN, IF NOT DELETED BY ALL CREDIT BUREAUS CAN SUBJECT BOTH BUREAUS AND THE FURNISHER TO CIVIL DAMAGES IN CA SUPERIOR COURT SHOULD SUIT BE BROUGHT BY 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 2017-04-21
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle in  XXXX  from  XXXX   XXXX , they sold my loan to a third party finance/debt collect or Consumer Portfolio  services my interest rate is  XXXX  with  XXXX  per diem. This has caused any trade in to be  XXXX  negative and no one will refinance the loan because of the how much I ow e (  it is still at  XXXX  and I purchased it for  XXXX  ). When I extended my loan due to hardship I was not informed or told how that would negatively impact the loan even more. I believe there was misrepresentation, deception with this loan not to mention all of the phone calls they have sending to m e three and four ti mes a day every day. My principal payments have been very sporadic if any. This company had a class action suit in   XXXX   for the same reasons I am stating.

Company response to consumer: Closed with explanation