BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-03
Company: SUNTRUST BANKS, INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Since XXXX XXXX, XX/XX/2015, I have unsuccessfully attempted to have an electronic lien removed from a Florida electronic title. Sun Trust Bank has submitted written title releases, but refuses to remove the lien electronically. Due to its failure to do so, I can not obtain a paper title.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
there is a collection agency XXXX XXXX that is on my Experian report. the original creditor is XXXX XXXX at XXXX I do not owe them the amount they claim I do I lived there for 3 years and owed them one months rent, I have tried to pay them several times they will only accept 3 months rent. i do not go with they say I do XXXX and XXXX have investigated and taken It off their reports Experian for some reason will not please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Issue: APR or interest rate

Complaint:
I am concerned that Chase charged me trailing interest/ Residual interest on a balance that I paid in full. 
I usually pay in full but noticed they have been charging me this type of interest often even when the balance has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I recently learned that without my agreement, I was added as an authorized user on an account and that account is being reported to credit agencies as part of my overall credit report and debt obligation. The account is a Chase Amazon Visa.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: Navient Solutions, LLC.
State: NY
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:
I have missed XXXX monthly payments and the company is calling me 10 times a day, starting XXXX until XXXX, 7 days a week. I feel that this is not legal and definitely bordering on harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I filed a dispute for a charge on my credit card with Bank of America on XXXX XXXX, 2016 for a charge dated XXXX/XXXX/16 for {$280.00} from XXXX XXXX XXXX. I stayed at XXXX XXXX XXXX the previous week but used a different card. I gave this card for charges for " incidentals '' of which there was none. When I checked out, I was not informed of any charge and when I called the hotel, they could not tell me what the charge was for. as of today ( XXXX/XXXX/16 ), Bank of America has not given me temporary credit for the charge, which they are required to do after 10 business days, which was XXXX XXXX, 2016. When I call Bank of America, they tell me that the temporary credit will be given that day, but it never is. I have called on XXXX different occasions. I just want them to comply with the Electronic Funds Transfer Act ( Regulation E ) and give me my temporary credit.

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 2016-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have initiated XXXX separate disputes with TRANSUNION for XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and TRANSUNION has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX address and sent them 2 letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!! 

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 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Previously disputed XXXX items with all XXXX BUREUS, XXXX bureaus removed the items under the FCRA sec 623 based on the accounts being unverifiable, incomplete or inaccurate. The results are to be shared with all reporting agencies if errors are found and account is deleted. Experian has not followed the laws that are in place to protect the consumer by removing these items. I hwve provided several letters with the results showing the deletin of these accounts. The continue to report inaccurate information that has been disputed and removed by the other XXXX major reporting agencies. They hwve not provided method of verification to substantiate their claim. These are clear violations of the FCRA and my rights as a consumer.

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 2016-10-19
Company: SLM CORPORATION
State: NH
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/16 I deposited XXXX by wire transfer to Sallie Mae for a one year cd. 
On XXXX/XXXX/16 I received an email which said my statement was available. copy attached. 
They gave me no previous warning that they were imposing onerous conditions on me that were unnecessary since they had my money. I then told them I did n't want to do business with them and to refund my money. they propose to charge me a fee that they call early withdrawal. and I feel is wrong and due to their fumbling.

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 2017-03-09
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
All my payments I have been making since 2007 and prior with XXXX XXXX are not being posted to my account so the balance has never gone down. Per my account history print out nothing is posted to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following agency Enhanced Recovery Corporation is not bonded in the state of Texas, therefore can not legally collect debit. Please remove from my credit report and confirm this debit is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My question is what is the procedure of score rating by Equifax. 
What is the basis for a late car payment versus a late loan payment. 
A credit card payment versus short sale, deed in leiu, foreclosure versus foreclosure started A late College loan payment A repossession How are terms of length arrived at

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter dated XXXX/XXXX/16 from the Money Source ( attached ) saying XXXX key points : We have been attempting to reach you regarding the status of your load. We have been unsuccessful in contacting you using the phone number ( s ) and email address that was provided Please be advised that this is an attempt to collect a debt and any information obtained will be used for that purpose. 

I called them on XXXX/XXXX/16 at XXXX. 

I asked the agent why I received this. He said that they were reaching me to try to get my phone number added to my account I asked him if I was past due on any payments, and he said no I asked him what my phone number would be used for, and he said promotions I asked why the language was used, and the agent said it was required I asked why it said that they " have been trying to reach me unsuccessfully, '' when I have no record of such contact and he indicated that this letter means that they have been reaching me. I told him I disagreed with that use of verbs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Pinnacle Credit Services, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from Pinnacle debt services asking me to call their phone number at XXXX from XXXX, Florida I do not know who these people are and do not owe money to anyone. My credit rating is very high. No money issues. The message said I must call them back immediately, which I did not and wo n't How do I stop them from calling?

Company response to consumer: Closed
Consumer complaint received 2023-01-05
Company: Webcollex, 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:
CKS Financial calls me daily. They are calling for someone who is not and has not ever had this number. I have informed them multiple times that they have the incorrect number and to stop calling. they have not for months. 

I have told them i would file a complaint and it did not work. I do not know the person they are calling for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Concord Resolution Inc (Closed)
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep keep receiving phone calls from a company that says I owe {$1200.00} from a payday loan in 2011. I keep getting harassed saying if I do n't pay the money, I will go to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was resolved with Resurgent and they are still reporting on my credit even though it shows that they would delete the tradeline from my credit report. They have affected my new construction home loan that I have been building for a year by reporting these on my report, and I need them to remove it since it was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received a solicitation from XXXX for an American Express credit card. This occurred despite my name being on the opt out list for prescreened credit card offers ( XXXX ). I placed myself on the permanent opt out list several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, 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:
I have initial filed a dispute on XX/XX/2020 for inaccurate information being reported. On XX/XX/2020 I sent in another letter hoping to get acknowledge. As of today XX/XX/2020 I have not received any information regarding an investigation. It has been well over thirty days and I would like for a thorough investigation to begin immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I recently got notification on XX/XX/2017 that several inquiries and my collection had been removed from my report. Today I received notification that they all were placed back on report without notifying me properly. Would like all removed permanently.

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 2016-08-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX/ Account # XXXX $ XXXX is reporting in my credit reports Equifax \ XXXX \ XXXX as mine wrongly with a late paid and this account ise n't mine, it was prove that my account was XXXX XXXX XXXX XXXX ( account # XXXX*Good Standing $ XXXX ), when i file the problem they deleted My account and left this other account in my reports. This is a violation and defamation of my credit report. 
Please have this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am unable to pull my credit report from Equifax. In the past when this occurred, there were too many soft pulls, so the solution was to remove those so I could pull my report again. After a number of phone calls and emails, Equifax refuses to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I had to file for Bankruptcy to protect my home because the bank has refused to modify my mortgage for years. This started in XX/XX/XXXX and Wells Fargo told me in order for them to help me I had to stop paying my mortgage with XXXX and when they take over the will modify my mortgage. When they finally took over they have continued to deny my modification even though I qualify. Now the prices are starting to come back up in Florida, I believe they are illegally denying me so they can sell the house for more and deny me again. The statute of limitation in Florida is XXXX years and my foreclosure ha been going on for longer than that. Why is the government and the state continuing to let the banks get away with this??? I want an answer ans want the banks to be held liable for what they have been doing to home owners since XX/XX/XXXX! Please respond! 
XXXX. XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I ordered something from Paypal. Bean bag chairs for me and my nieces to have a back to school movie night. I ordered this A LONG LONG TIME AGO. Like 3 months at least. 

I got a confirmation to my email, its attached, but I never got a shipping email. I never got an Order on the way. Nothing. 

I contacted Paypal digitally and over the phone several times. They insist I contact the merchant. The same merchant that removed their website, doesn't answer calls, and no longer answers emails in broken English. 

THIS SITE YOU ARE ALLOWING TO USE YOUR SERVICE IS COMMITTING FRAUD. 

If Paypal wont be held accountable by myself, let 's see what CFPB can do. 

I have never, ever, received anything from the XXXX dollars but a headache.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX credit card. XXXX is now called XXXX. My credit report shows XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed from 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 non-monetary relief
Consumer complaint received 2016-03-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed this many times the credit burerau finally said they needed supporting documents, so I uploaded my 2009 Taxes return showing the XXXX owned be a return. They need to show this as a WITHDRAWN TAX LIEN!! NoT a RELEASED!! 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I opened a account with XXXX on XXXX XXXX paid all bills until XXXX XXXX when I had to leave my home due to forclosure. I requested to have my services cut off in XXXX of XXXX I was on a payment plan.they sent a final bill for XXXX in XXXX. In XXXX it was sent to a collection agency XXXX services I paid the bill on XXXX XXXX XXXX. Then I received another bill from a different collection company saying I owe XXXX. I paid my last bill and closed the account. Now XXXX have reported XXXX accounts on my report XXXX opened in XXXX XXXX and XXXX in XXXX XXXX. I have disputed this several times with experian but as of now the account opened on XXXX XXXX was removed, but where did the other account come from opened in XXXX XXXX. This account should be removed I do n't owe dte anything. How can I have XXXX accounts for the same address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Two years ago a tax lien was placed on my home in Maryland. In XXXX of 2014 the lien was paid off when I sold the house. Since then I have repeatedly been denied loans due to the entry of the tax lien on my credit reports. I contacted the Maryland tax collection agency with whom I had been working and was told that they had in fact forwarded the lien release to each of the credit bureaus. Two weeks ago I applied for a loan and was denied due to a report of a tax lien on the property in Maryland. I would like to get this issue resolved and find out what if any legal remedies are available to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Markup massive charges for {$2000.00} on window etching. They claimed I must to purchase with it for every new car. Upon checked with local dealership, They charge mostly up to {$200.00} for material and labor cost.
Window etching is an anti theft vehicle protection benefit that is sold as a theft deterrent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX/XXXX/2016 I disputed a collection account on my Equifax file on XXXX/XXXX/2016 I got a letter from Equifax dated XXXX/XXXX/2016 stating their investigation was finished and the results are that the account was verified and that additional information was provided. On XXXX/XXXX/2016 I received a letter from the collection agency stating they could not verify the account right now and that they need more time. Equifax has violated my rights and falsely verified a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Went to the government 's official credit reporting site, XXXX, and the only service that gave me a report was XXXX, Equifax gave me a XXXX ( which is a server error ), and XXXX did n't work but then thanked me for using their service, without providing a service, which means I ca n't look at it until next year.

Company response to consumer: Closed with explanation