BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: COMMERCE BANK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Commerce Bancshares, XXXX  XXXX They make it extremely difficult to transfer money out of your account, for example when I need to pay rent. 

With many external transfers they put your transaction on hold. To stop the hold you have to call them and they take forever to answer the phone. 

Their online platform is clunky and doesnt work half the time. 

You can not transfer money via mobile. 

Their daily transfer limits are so low, that I cant pay a mont rent with a single transaction. 

They often block transaction for the dumbest reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a correspondence in response to a letter XXXXonvergent Outsourcing , Inc. sent me on XX/XX/XXXX. Within that letter, they informed me that I owed an " alleged '' debt and that they provided valid proof of verification. This is not so. Pursuant 15 USC 1692c ( a ), a debt collector may not communicate with a consumer in connection with the collection of any debt which Convergent Outsourcing , Inc. clearly stated in the letter they sent me and only the original creditor can validate an " alleged '' debt. Pursuant 15 USC 1692, Convergent Outsourcing , Inc. is fully aware of the laws that fall under the Fair Debt Collection Practices Act, but fail to comply with the consumer laws by reporting this alleged debt. As a result of this false report, it has caused my credit score to fall making it hard to get approved for lines of credit which is defamation of character. These false reports harm my reputation with lenders and my credit worthiness. Convergent Outsourcing , Inc. has received my correspondence and supporting documents on XX/XX/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 2016-09-30
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 telling me that their policy requires consumers to get letters from creditors to remove dispute remarks from their credit report. This process leaves consumers completely at the mercy of creditors. In my experience out of XXXX creditors, none of them have been able to provide documentation to help me get these remarks removed. Mind you, I have PAID these accounts off. They are at a zero balance. Due to this issue with Experian, my mortgage loan approval was halted. My lender tried to use their XXXX XXXX program to help get these dispute remarks removed, but they were told of Experian 's policy. I spoke to several representatives at Experian and even a supervisor indicated they had no authority to remove these remarks without documentation from the creditors. The responses from the creditors varied wildly from " We do n't have access to your account any longer '' to " We do n't send letters ''. I had one assurance that I something would be submitted to Experian within 24-48 hours, but somehow I do n't believe that. This is causing me to fall into a mortgage category with a higher interest rate with a mortgage payment costing approximately {$360.00} more per month. There is no resolution and this seems like an endless loop of phone calls and dead ends.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hey, I was traveling overseas last year, and wanted to rent a car, so I decided to use one of the benefits that my XXXX Credit card offer, which is insurance coverage, and this is the reason I applied for this card. 
The way they advertise it is " Decline the rental company 's collission isurance and charge the entire rental cost to your card ''. 

So I rented a car on XXXX XXXX 2017 for {$150.00}, and when I went to pick up the rental car from the airport, the rental car company refused to accept the XXXX Credit card and wanted to charge me {$400.00} more on the top of the amount I paid, so I canceled the rent, and now the rental car refusing to take responsibility of misleading info on their advertising, and wo n't refund the money back to me. 
I talked to the benifit office of the XXXX Credit Card offered by Chase, and thei answer was that they ca n't help, they follow the policy of Chase, and when I called Chase, their supervisor said they ca n't refund the miney. 
What I 'm asking for is the redund of {$150.00} since I did n't lease the car, because their card is not acceptable like they advertise. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: ACS Education Services
State: OR
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:
This student loan first originated during the Award XXXX - XXXX while attending the school called, XXXX XXXX XXXX XXXX XXXX XXXX which can be found in the uploaded supporting documentation on page XXXX where I have given you a copy of the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report does not reflect the Award XXXX - XXXX and is missing loan servicer Conduent, Borrower Services Department XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX This loan originated in XXXX and is still in repayment according to the loan servicer. Let the record reflect the correct date the current loan was first was awarded, in XXXX, and last sold by the loan servicer in XXXX. I have not taken any loans since XXXX and the XXXX loan is a requirement of the servicer to buy and sell loans to other companies. Correct this mistake, I included my lawsuit from XXXX on this matter as a second form of Federal proof of it's existence before XXXX. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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/XXXX, A certified letter was mailed to TransUnion Credit Reporting Agency. Providing proof that 3 Public Records that are being reported on my credit report didnt belong to me. The reporting agency XXXX XXXX that TransUnion used in the past several years. Complete their investigation after being contacted by me and removed all 3 Bankruptcy from their database. TransUnion was also notified by XXXX XXXX requesting deletion of inaccurate reporting in results to their errors. XXXX XXXX is the Original Reporting Agency who I was advised to contact. I was informed from a Supervisor with TransUnion even after verifying they received the certified letter. That my credit report will remain unchanged because they now use a different agency XXXX XXXX XXXX whom advise them the 3 public records is accurate and needs to remain on my report. The Bankruptcy should have never been reported to my credit report. TransUnion refuses to delete all 3 Public Records even after receiving documentation from a previous agency theyve used. According to the Federal Credit Reporting Act. Failure to correct and delete inaccurate information after receiving documentation from the Original Credit Reporting Agency and Consumer. Is a violation. Im requesting deletion of all 3 Bankruptcy Public Records dates ( 2 ) XXXX and XXXX files in the state of GA from my TransUnion Credit Report. Final step will be to contact Georgia Attorney General Office.

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 2022-01-04
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. AMEX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AMEX XXXX, AMEX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I did not receive any information about my loan being sold to a new mortgage lender. I did not receive any mail or emails regarding the new loan servicer. The new company is Selene Finance and my old mortgage lender was XXXX XXXX mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX my purse was stolen, I filed a police report immediately. I called Citibank and reported to put a stop on my credit card. The thief in XXXX department store ( in city of XXXX XXXX, California ) proceeded to use my Citibank debit/credit and made 5 different purchases. I went to XXXX and was told that they have video but the police would have to request it. Citibank gave me a credit for those 5 purchases but on XX/XX/2021 they debited my account more than six thousand dollars and said I was in possession of my credit card without no proof. I called them and asked them for a provisional credit until they investigate my case thoroughly but they are refusing it. They debited my account without any proof and saying I am the thief.

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 monetary relief
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
EQUIFAX is not reporting my monthly payments. I need my payments to report. This affecting my credit reporting. I have a auto loan through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying for last 3 years to get a loan modification from Select Portforlio. They have not helped me and set a foreclosure sale date on my home for XXXX/XXXX/2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
XXXX XXXX is in charge of my private loans. I am back in school after a period of not being in school ( at which point I was paying a forbearance fee ). Therefore I am eligible for an in school deferment, my deferment will kick in as soon as my school, XXXX in XXXX, Maryland sends the deferment form to XXXX XXXX, however they wait a certain time period before the send it in ( perhaps to ensure the student stays in school over a certain time period? ). Anyways, XXXX XXXX is calling me 3-4 times a day even though I have told them this two or three times. They are also calling my mother three times a day, I consider this highly inappropriate and harassment at this point because we have always paid ( interest, forbearance, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: AMERICAN HONDA FINANCE CORP
State: NY
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. AMER HONDA account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AMER HONDA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Filing this complaint against US Bank N.A. in particular XXXX XXXX XXXX Corporate Trust Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX who responded to the XX/XX/XXXX request to address the notice of rescission originally filed with them XXXX XXXX. It appears US Bank N.A. ( Bank ) is assisting XXXX XXXX XXXX , XXXX ( XXXX ) in falsely reporting US Bank as a Trustee for a trust that allegedly is in possession of a note and mortgage on my property XXXX XXXX XXXX XXXX, XXXX XXXX ( the property ). XXXX alleged account # XXXX. 
XXXX XXXX certifies that there is a note and mortgage on said property owned by the trust they represent and that XXXX is their servicer for said note/mortgage. For over 5 years numerous request were made to the Bank to verify their status and verify the status of XXXX. All requests were ignored by failing to provide any responses to our numerous legitimate inquiries. Requests were made to the Office of the Comptroller Currency ( OCC ) to assist us in this matter. They too failed to properly address my concerns. I believe without proof of ownership of an alleged note/mortgage any reference to it should be considered false and invalid. In addition the Bank failed to provide proof of the servicing rights of an alleged mortgage/note that assists XXXX in committing an illicit act and the Bank should be held culpable for their participation in a possible fraudulent action. 
I believe the Bank is falsely reporting a note/mortgage in their possession because XXXX XXXX the owner of said trust ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) filed a notice of a XXXX with the Security and Exchange Commission ( SEC ) in XX/XX/XXXX notifying the SEC they would not be filing any further reports on the trust as of the date of notice. Additionally XXXX XXXX XXXX who brought the rights to manage the trust in XX/XX/XXXX filed a report that the trust was void of any notes/mortgages. Additionally a fraudulent notice of assignment transacted on XX/XX/XXXX was filed with the XXXX registers office. Attached copy of said assignment identifies the numerous errors that certified this document as false and invalid. 
For the reasons stated above I believe the Bank should be held culpable for assisting XXXX in committing any possible illicit actions in this matter. An additional complaint will be filed against XXXX for their newest violations of the FDCPA and the FCRA. 
Thank YouXXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Certegy Holdings, LLC
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
I purchased a money order in the amount of XXXX at a XXXX XXXX XXXX in XXXX XXXX Utah on the XXXX of XXXX needing to make my rental payment in this amount by the XXXX with the holidays they were closed until today being the XXXX to avoid late fees I loaded my prepaid card and paid the balance there at the same time I loaded my card being the XXXX of XXXX once I seen the transaction using my card went through asked if I could cash out the money order they stated I had to wait XXXX hours from time of purchase today the XXXX being well past the time needed went to cash the money order I purchased at the same location with receipt in hand of the money order purchase was told it was declined based off certagy when calling the number said all decisions are final I'll be damned if I paid XXXX dollars have the receipt in hand and can't get my money back I didn't write on the check other then what I was told by the store clerk this evening it was not altered in anyway and I have all needed proof of purchase. Why did it get declined? It's never stated anywhere this is a possibility

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 2018-06-13
Company: Heritage Financial Group, Inc.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been dealing with Heritage Acceptance Corporation for over a year in paying a debt owed. XXXX contacts me by text as well as calling my employer numerous times on the same day. For instance I have received 2 phone calls today XX/XX/2018. On XX/XX/2018, she called me 3 times with respect to a debt. The company has my cell number and can contact me by that phone and/or texting, but continue to call my work which is harassment. 

XXXX tries to get forceful on the phone indicating that my wages will be garnished if I don't make payments. I had to correct her and state that can only be done if a lawsuit is filed. 

With regards to payments, I have consistently made payments for the last 3 months for at least $ XXXX month and that is showing good faith payments, therefore they can't pursue litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Credit reporting violations include where your credit report contains information that is inaccurate, disputed, and outdated. However, they have refused to remove. 
Public Record CHP XXXX - 10 years old ( Equifax ONLY ) Child Support Error- 14 years old ( Equifax & XXXX ONLY ) XXXX Bill- XXXX years old ( Equifax ONLY ) XXXX ( Student Loan ) - PAID in full 2010 w/IRS offset. However, I am presently STILL paying in efforts to protect my credit score. ( Equifax , XXXX & XXXX ) If you do n't have any success with these violations of statutes. I would like to pursue compensation for damages suffered ( such as credit loss, higher interest rates and emotional distress ), plus an additional amount up to {$1000.00} per violation, punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Verisk Analytics 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/XXXX, A certified letter was mailed to XXXX Credit Reporting Agency. Providing proof that 3 Public Records that are being reported on my credit report didnt belong to me. The reporting agency XXXX XXXX that XXXX used in the past several years. Complete their investigation after being contacted by me and removed all 3 Bankruptcy from their database. XXXX was also notified by XXXX XXXX requesting deletion of inaccurate reporting in results to their errors. XXXX XXXX is the Original Reporting Agency who I was advised to contact. I was informed from a Supervisor with XXXX even after verifying they received the certified letter. That my credit report will remain unchanged because they now use a different agency XXXX XXXX XXXX whom advise them the XXXX public records is accurate and needs to remain on my report. The Bankruptcy should have never been reported to my credit report. XXXX refuses to delete all 3 XXXX XXXX even after receiving documentation from a previous agency theyve used. According to the Federal Credit Reporting Act. Failure to correct and delete inaccurate information after receiving documentation from the Original Credit Reporting Agency and Consumer. Is a violation. Im requesting deletion of all 3 Bankruptcy Public Records dates ( 2 ) XXXX and XXXX files in the state of GA from my XXXX Credit Report. Final step will be to contact Georgia Attorney General Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation