BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-26
Company: Experian Information Solutions Inc.
State: FL
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:
To whom it may concern, My name is XXXX XXXX and I'm reaching out to you regarding my auto loan bank. The bank, XXXX XXXX, for my XXXX  XXXX XXXX auto loan did not fix the problem which they created themself in the first place. 
At the beginning XXXX XXXX had issue with my insurance when, in fact, I did have coverage on my vehicle the entire time of the loan. Then XXXX XXXX blocked the access to my online account and didn't cash out the checks I sent via mail for my car payments and put my auto loan into repossession. 
I've tried reaching out to the management of the XXXX XXXX but the representatives told me that the management would not be able to help but told me to buy their insurance for the previous months in order to take my auto loan out of repossession. 
It was very frustrating because for the entire time of my loan I had insurance coverage for my car. This all was happening during the time XXXX hit our country and some of my family member were sick which made things even worse. 
I fought with them over a couple of months and they finally admitted that it was a mistake in their system. XXXX XXXX confirmed that I indeed had coverage for the entire time of my auto loan. They rolled back all the extra fees and let me become current on my loan. 
XXXX XXXX, DID NOT FIX MY CREDIT REPORT which they promised to, my credit depleted because of this dispute and I reached out to all credit bureaus and they told me that XXXX XXXX has to fix it on their end. 
Since then 4-5 months passed and XXXX XXXX took no action. It is extremely difficult to reach out to them and in order to fix this problem. 

Would please reach out to XXXX XXXX for their wrongdoing and ruining my credit without fixing it and have them fix my credit report. If you are able to see my credit report, you can see that I was never late on any of my payments. 

Thank you, 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 explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: MA
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 believe Equifax is in error regarding their completed Investigation ( Confirmation # XXXX ) of a dispute I initiated regarding my personal Credit Report file. This dispute centers on the CRA 's ( Equifax 's ) right to report a Hard inquiry on my Credit Report file without providing to me the actual proof of proper verification requested. Absent actual proof of proper verification, as requested, the Hard inquiry would then be classified as UNVERIFIED, and under the Fair Credit Reporting Act the unverified Hard inquiry MUST BE DELETED from my Credit Report file. ( TAKE SPECIAL NOTICE SECTION ( E ) - - " OR can not be verified '' - - Federal Trade Commission ( FTC ) Fair Credit Reporting Act ( FCRA ) September 2012 609. Disclosures to consumers : U.S. Code Title 15 Chapter 41 Subchapter III 1681g ( c ) ( 2 ) ( E ) : ( c ) Summary of Rights to Obtain and Dispute Information in Consumer Reports and to Obtain Credit Scores ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a collection account that has been constantly reported by multiple agencies and removed each time I have submitted a dispute, as it is incorrect. The information was recently reinserted under XXXX , XXXX . When I noticed, I disputed the issue, but Equifax has left it on my credit report. 

Most recently it was reported by XXXX XXXX XXXX out of XXXX, MS , and was very quickly removed when I disputed it on the report. Now, like I said, it is showing up under XXXX, from whom I did not receive notification nor had an opportunity to ask for verification. However, the previous companies could not verify the information when I requested it, so I am simply looking to have this erroneous information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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:
My name is XXXX XXXX ssn ( XXXX ). This complaint is about my HSBC cash rewards master card ending ( XXXX ). My card was lost/stolen on or around XX/XX/XXXX. I left out of country on XX/XX/XXXX and just came back on XXXX XXXX, XXXX. This is when I noticed I didnt have my card with me. I checked my account online and find so many unauthorized charges/fraud activities. ( {$3000.00} ) I called HSBC right away on XX/XX/XXXX. I was told by the representative that I will be receiving some forms to fill out and they will start investigating. Within a week I received a notice dated XX/XX/XXXX that they have denied my claim. 

I was out of country and card was swiped in person in USA how is this even possible. I am ready to provide any supporting documents or proof. 

I would like to request HSBC to provide me the proof of their investigation. Also I want the phone number of their credit card operation director.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: WELLS FARGO & COMPANY
State: RI
Product: Credit card
Issue: Other

Complaint:
I have a XXXX, Wells Fargo App barely works, I submitted a payment thru the app that was never posted after everything I received {$37.00} late fee and a {$70.00} interest charged. I called on XXXX/XXXX/17 and they assigned me a executive because I said that I was going to file a formal complaint because. After this they told me to wait until they can help waived this for so I made a payment on the 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 explanation
Consumer complaint received 2020-12-27
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 information incorrect

Complaint:
XXXX account used to say open and delinquent after XXXX. When in fact I traded my vehicle in XXXX for another vehicle. Had that investigated by Equifax and was updated to delinquent and included in Bankruptcy. Ask Equifax to reinvestigate it XXXX years ago. Was never included in my Chapter XXXX bankruptcy that was discharged in XX/XX/XXXX. Still paid a note a traded it in XXXX for another vehicle. When checking Equifax credit report again for XXXX, it still saying reinvestigation in progress and included in Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: The Savings Group, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Rate genius I have two vehicle ones a motorcycle in the rate I was paying {$490.00} they were often they could lower my payment a month. They told him was my car when his clearly says on my credit report, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: ASTA FUNDING INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XX/XX/XXXX, I purchased a XXXX Dodge Intrepid. I fell behind on my payments in XX/XX/XXXX. I was notified in writing in a letter dated XX/XX/XXXX from the law offices of XXXX XXXX XXXX, XXXX that Palisades Collection LLC an Assignee of XXXX XXXX was collecting from me a loan balance of {$20000.00}. Palisades filed a judgment against me on XX/XX/XXXX the judgement amount was for {$20000.00}. I paid my debt off in full to XXXX XXXX in the amount of {$20000.00} with a cashier 's check. I received a paid in full letter from XXXX XXXX dated XXXX. The paid in full letter from XXXX is dated XX/XX/XXXX and the judgment was filed on XX/XX/XXXX. This judgment should have never been filed. On XX/XX/XXXX I received a letter from XXXX XXXX and XXXX, XXXX collecting for Palisades Collections. They were trying to collect {$20000.00} from me. On XX/XX/XXXX I spoke with XXXX XXXX with Palisades Collections and he said this debt had to be paid. Now I can not find no trace of XXXX XXXX XXXX. When I called the telephone number XXXX the company this number belongs to is XXXX XXXX, and Palisades is a subsidiary of this company. I just want to get a release of lien letter from whomever has a lien on the vehicle I owned. my vehicle vin number is XXXX. The judgment is no longer on my XXXX credit bureau reports. Please help me to get a release of lien for this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I live paycheck to paycheck. I check my bank account balance daily if not XXXX a day. The bank I use, Wells Fargo offers online and text banking so it makes it very convenient. The problem is they do not match up. Some of the dates that transaction posts change. For example on XXXX night, the XXXX, I checked my balance through text banking. I had {$380.00} in my account. The next morning, XXXX the XXXX, when I got to work at XXXX I went online and checked my balance and transactions. It still said I had a balance of {$380.00}. At this point I realized I still had XXXX checks outstanding and I needed to transfer money from my savings. I transferred {$1200.00}. That would cover the {$1500.00} in outstanding checks. XXXX hours later I received and email saying my account was over withdrawn. Again, I went online and I see that both those absent checks had cleared but XXXX of those had a date of XXXX the XXXX. That transaction was not on my statement in the morning. They hit me with XXXX overdraft fees. They did it after I transferred the {$1200.00}. I 've noticed some variances in my account before. I noticed that checks and withdrawals move around on the statement. For example, I wrote XXXX checks, XXXX for {$100.00} and XXXX for {$160.00}. According to my text banking the {$100.00} check was posted on the XXXX. But according to my online banking that check was cashed on the XXXX and the check for {$160.00} was cashed on the XXXX. Not to mention that I can not verify what the balance of my account was after each transaction because their online banking is formatted in such a way that it wont allow. It is simply a list of debits and credits and a total at the top. I really feel that Wells Fargo is choosing what dates they want things to post to get more money in fees. I went to the manager and he was unwilling to do anything to help me. I would really appreciate it if someone would look into this. This is predatory, greedy behavior. I should not have lost {$70.00}. I only bring home {$XXXX} a week and I 'm a single parent of XXXX. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17
Company: TRUIST FINANCIAL CORPORATION
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:
Suntrust {$450.00} XXXX XXXX Bank {$350.00} Truist Bank {$1000.00} I did not authorize these charges an ex from my past made these charges after my card was stolen i tried to explain to the banks they act like they dont understand. im trying to dispute these charges. I need these removed off my name completely! 

I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2020-03-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On Friday, XX/XX/2020, I was in the process of entering my landlords information on XXXX . A feature that is on my Chase app and approved by their company. I did not save my landlords information in error and the funds in the amount of {$1100.00} went to the wrong recipient. As soon as this happened, I called Chase immediately. They told me that if the recipient would contact them, she also has a XXXX account, they would be able to file a claim and have the funds transferred back to my account. The recipient called and explained she received this money in error and authorized them to withdraw the amount from her account. Then the representative told her they wouldnt because she had insufficient funds. I found this to be incredible because this money that belongs to me, now Chase is keeping to cover someone elses overdraft. I asked to speak to a supervisor with the recipient on the line. The supervisor, XXXX got on the line. She told me another story. She told me that although both accounts are Chase accounts that she couldnt do anything about it because it was done through the XXXX app. So the recipient and I were floored by this. We asked her that if the bank in error would deposit a XXXX dollars into an account, that whoever receives that money would be able to keep it? And her answer was YES. I am in shock that this is their policy and maybe this needs to be investigated. I have been a loyal customer for about five years and have never had an issue with the bank. I do not understand why they have refused to return my money. I am disputing this and would like my funds back in my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
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:
I filed a police report and a complaint with the FTC im uploading the supporting documents to prove it. I disputed the identity theft thats in my credit report. And the credit bureaus are still illegally reporting the fraudulent information on my credit. I told them multiple times that ill filed a police report etc. The companies in this complaint still refuse to remove the fraud off my credit and they continue to illegally report the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card with Chase with compromised and used to withdraw {$1000.00} cash from an ATM several cities away in the middle of the night. I disputed the withdrawal with Chase, but they determined I was at fault for my loss of funds and would not explain to me their justification for not protecting my funds. They demanded I file a police report, and have the local department of the city it occurred in subpoena Chase 's CCTV footage. 

Despite knowing that they don't have an real legal reason to demand this, I complied and was still ultimately done a disservice. The police XXXX I spoke with during my report even questioned why they were making me jump through these hoops.They denied my fraud claim and made me pay for the {$1000.00} that was stolen from me. 

This was almost two years ago, and I have since closed the account in question after begrudgingly paying the {$1000.00} under threat of damaging my credit. Do I still have any legal options? I only recently discovered these consumer resources. I am away from home so I do not have any documentation readily available but upon request I can produce account statements, and the police report I filed with XXXX XXXX PD.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: ORG GC GP Buyer, LLC
State: WA
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 have been getting calls about a debt that is not mine. I just checked my credit report and found GC Services on it with an address of XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and a debt of {$140.00} turned over on XXXX/XXXX/15 ... interesting because I filed bankruptcy in XXXX, 2015. I think they are trying to collect for XXXX, but I have not been with XXXX in well over a year and do not owe them anything. The account listed on the credit report is shown as XXXX ... .I have no idea what the last XXXX numbers are. Nothing has ever been mailed to me so I really have no idea what this debt is for ... and I do not answer unknown phone numbers on my phone unless they leave me a voicemail telling me exactly who they are and what they want ... I am on a do not call list! I read on the internet review after review of how this company is a scam and I want them to pull off my credit report totally what they put on XXXX/XXXX/15 or I will send my bankruptcy lawyer their way. I do not owe this lousy {$140.00} no matter where they say it is coming from! Why is this scam company still allowed to do business when they harass people innocent people all the time? Shut them down!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The companies in this complaint are illegally reporting inaccurate information 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 2015-07-11
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Green Tree servicing, My complaint is on Green Tree servicing, on behalf of my mortgage modification. It all started in XXXX 2014 when XXXX XXXX XXXX sold my mortgage servicing to Green Tree Servicing. Since XXXX I have been trying to modify my mortgage with Green Tree and have not had any success. I gave them the proper documents for proof of income and bank statements that they required and months later found out that I do n't qualify and they denied my modification. When I received the denial letter they stated do to the income my wife and I make we do not qualify. They also fabricated my home value stating my home was worth {$230000.00} when I owe {$220000.00} clearly showing I have equity. This is false because In XXXX 2014 when they took over from XXXX XXXX XXXX, XXXX mailed me there appraisal on my home stating that my home was worth {$160000.00}, so how in XXXX can my home go up in value that much. Their other fabricated lie was the amount my taxes was for the year that get escrowed. They stated my property taxes alone was over {$5000.00} a year when my taxes the past few years has only been around {$2500.00}. So when they add these ridiculous figures making it unreasonable to have a payment within their requirements. They gave us XXXX days to appeal there denial and I did and also presented proof of these fabricated figures to present my case. It is now going XXXX days since my appeal and still have n't gotten an answer and since then I have a trial date with them to attend court for a foreclosure. There is people and families making less than my wife and I are and getting mortgages and modifications. To give you an example we are making in the bracket of $ XXXX {$100.00}, XXXX a year. There is also no debt other than a car payment and regular house expenses we can clearly afford a mortgage payment. When we first fell behind a few years ago yes we were n't making what we are and we were struggling. My wife has since finished school and has a good steady job and I have since switched jobs as well with a more stable company and we are with our new jobs for over XXXX. It seems that Green Tree is another bank not willing to help families stay in their homes all they do is lie and find a way to turn everyone down. It 's a shame that our government lets these banks operate like this and steal people 's homes that they worked hard for. My wife and I built this home over XXXX yrs. ago and made our home our family home while raising our children and would like to continue doing so. All I want is a solid real modification and a chance to keep our family home. All I get when I review these mortgage companies negative feedback same story it 's a shame.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Capital One / Cabela 's pulled my credit report without my consent. I was notified through my current credit card company, XXXX, of this inquiry. XXXX separate inquiries were made on XX/XX/2020 and XX/XX/2020 by Capital One/Cabela 's. I followed up with XXXX to investigate the inquiry but never heard anything back from the investigation. 

I am not sure if these inquiries were by mistake or are malicious. I would like for the inquiries to be taken off my record and to not impact my credit score.

Company response to consumer: Closed with non-monetary relief