BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-27
Company: Experian Information Solutions Inc.
State: NV
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:
There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.

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 2019-12-02
Company: EQUIFAX, 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was doing a shortsale with JP Morgan Chase, my agent received an email on XXXX/XXXX/XXXX stating that the offer had been approved by the investor ( XXXX XXXX XXXX XXXX and that she would submit the file for decision with Chase and that a response would be received in 5-7 business days. 

Then on XXXX/XXXX/XXXX my agent received communication from Chase stating that the offer had been declined by management. 

When my agent followed up the same day trying to find out how that is possible since the offer was already approved by the investor. 

Because of this the current buyer withdrew their offer, but my agent found another buyer who stepped up and signed a contract to purchase the property for the same amount of the previous contract which my agent submitted to Chase. 

But on XXXX/XXXX/XXXX she received an email from a XXXX XXXX at Chase stating that the shortsale had been declined by the servicer. 

She was told by the negotiator XXXX XXXX that they new offer would be reviewed. 

No response has been forth coming since that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Its a XXXX XXXX  account from XX/XX/2010 XXXX XXXX XXXX and I told them that it is too old to be on my credit report. They parked the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Prince Parker & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account was paid in full in XXXX. I received a phone call from XXXX XXXX XXXX saying I was behind on payments. I advised them the amount was paid in full already. When They asked for proof I advised them the bank account I had when I was paying is no longer open. I also advised that the account had been closed for two years and I could not get documentation. She said, OK, I will remove the account and hung up. I noticed on my credit report yesterday, XX/XX/XXXX, that it was sent to collections for over the full amount to Prince Parker and Assoca saying the account was opened in XX/XX/XXXX which is not correct. When I contacted them, they advised me I owed {$2000.00}. When I told them my bill was already paid they became very aggressive and threatened a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX has failed to update my account balance with all 3 credit bureaus

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 2022-05-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Thank you for your letter dated XX/XX/2022, wherein you confirm my outstanding balance as requested. It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before XX/XX/2022, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have asked the debt collector numerous times to not contact me at my work as they are jeopardizing my job but yet they continue to do so every time. I gave them my personal mobile number and they still call me at work and every time I tell them they say they will remove the number from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Southern Tier Credit Center Inc
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from a collections agency in XXXX XXXX NY area and they asked me to pay for an ambulance service back in XXXX. I have never been in an ambulance or received care at the emergency room in over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid off Nissan Motor Acceptance Corporation in a timely manner. I do n't understand why a charge off has been placed on my credit report. Nissan requested that a payment in the amount of {$850.00} had to be paid in full by XXXX/XXXX/2016 by XXXX XXXX. I paid the {$850.00} by the date that they specified at XXXX XXXX. They informed me that the payment was received on XXXX/XXXX/2016. I informed they of my payment on XXXX/XXXX/2016. They stated that it did not meet the deadline that they requested and XXXX XXXX XXXX time was too late because they closed at XXXX XXXX. I was not informed of the time specifications and as a result they placed a Charge off on my account. I would like to dispute this because in all earnest I made every effort to pay by the deadline that was set by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: ALLY FINANCIAL INC.
State: PR
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened an online acct with Ally Bank last year about XX/XX/XXXX/XX/XX/XXXX. Initially all was well. About a week after opening the acct I was bombarded with phone calls/ email as to the address provided. I reside in XXXX XXXX. I called customer service and was advised there was a problem with my addss, so I reconfirmed the addss and was reassured there was no further problem. I then kept receiving phone calls sometimes 3-5 times a wk, telling me to call again. I returned the calls and was transferred to what I understood was a fraud dept who asked me to provide a stateside addss because my XXXX XXXX addss should never have been accepted etc so I provided my sisters addss in XXXX, never being advised that it needed to be an addss at which I physically resided and was reassured was alright as all they needed was a US addss. Again more calls/emails ensued so annoyed I called and requested to speak to a supervisor and was advised I was to be transferred again to a fraud dept employee who stated that for me to have given a state side addss where I do n't reside was wrong etc, even though I explained that customer service advised me it was fine. I immediately requested transfer back to customer svc and requested closure of my acct and a check sent to me for deposits made. This was XX/XX/XXXX. The addss I provided for receipt of that check was my XXXX addss and I specifically asked several times if that was alright and was reassured it was. I continued getting emails as to my savings acct status so I called to verify it was indeed closed only to find out it wasnt! I requested closure and status on my check reimbursement. Was assured check was sent out. Until today 's date I have never recvd my check and yet continue to recv emails as to updates on my savings acct! Am thoroughly frustrated with this banks practices and am reaching out for help. I understand my follow up also lacked here, but I work full time nights, and care for an elderly parent and though not an excuse, leaves me little time to have dealt with this sooner. I would be appreciative of any help offered, as I do not wish to contact these people again and be given another run around. Thank you in anticipation of your assistance, respectfully 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 non-monetary relief
Consumer complaint received 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed late payments with Transunion, submitted proof to them directly from the company that my payments were not late and Transunion has repeatedly refused to update my credit file to!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
us bank is saying I started a bill pay against my will which I did not submit to be paid XXXX/XXXX/2015 to collect fees so on the XXXX/XXXX/2015 XXXX did reverse the fees an show me how to delete the information so it did not happen again so on XX/XX/XXXX the fees were put on my account again XXXX per item total XXXX so XXXX claim the fees would be refunded back to my account by XXXX so she walk me through my account to stop the pop up from appearing on my screen say the pop up is put there to be annoy me an cause it kept asking me to finish the bill pay so I did not now later so XXXX walk me through internet option to delete the pop up from appearing an the fee will be refunded back to my account by XXXX so XXXX I call back an the fee of XXXX is still on my account I talk to XXXX he inform me that he was refunding me the fees in a half an hour an I can check back about XXXX to see the fees had been refunded to my account so I call about XXXX I talk to XXXX who set me to talk to a lady name XXXX who then stated she was not refunding me any fees an gave a address to file a complaint us bank 24 hour banking management XXXX XXXX XXXX XXXX mn XXXX at first the bank is claiming the checks were mailed on XXXX I said can I have a copy of the receipt paying for postage they told me no so I talk to XXXX an XXXX said the check was sent out on XX/XX/XXXX so that is when he refunded the fees first fees back on XX/XX/XXXX an show me how to delete the information so it did not happen again but the bank is charging me again on XX/XX/XXXX to put the fees back on my account and refusing to honor because I did not submit the information to complete the bill pay the bank is doing this on there own to collect fees from me it is the bank who is doing tying to say I did bill pay when I did not plus the operator on XX/XX/XXXX is the one who told me to put in the memo to electronic debit from my account but I never submitted to be paid so not the bank is trying to say I did submit when i did n't an the bank would send popup for me to finish an I put not now later so I never submitted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: MD
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 XXXX  XXXX ACCOUNT NUMBER # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX ACCCOUNT NUMBER # XXXX XXXX ACCOUNT NUMBER # XXXX XXXX XXXX ACCOUNT NUMBER # XXXXXXXX XXXX XXXX ACCOUNT NUMBER 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 2016-10-09
Company: U.S. BANCORP
State: AL
Product: Credit card
Issue: Late fee

Complaint:
I have been for long, a customer of US Bank with all kinds of accounts with them, like Home Loan, Credit Card, Checking, Saving Accounts. I am a very good borrower, my credit score is a testimony to the same, stands XXXX Bank has recently charged me a membership fee in XXXX 2016 that was due XXXX XXXX, 2016. No note with regards to the fee or the due date or past due status, was sent to me or my address. But they promptly reported it to the credit bureaus and it dinged my excellent credit score XXXX very badly and left me in despair. There was no intimation with regards to the same, to my home address or even a courtesy call. I have requested for canceling the paperless statements in the past and it never got reflected in my accounts. I will therefore request US Bank to remove any reports to the credit bureaus, of delinquency on my credit card account and help its loyal customers build their 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 explanation
Consumer complaint received 2017-02-08
Company: U.S. BANCORP
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have more than XXXX checking account at US Bank. XXXX account ( call it A ) was opened originally to exclusively receive social security payments for a minor child, but those payments had ended. To pay bills I use my personal checking account ( call it B ), for which I was running low on pre-printed checks. But I had a full box of checks pre-printed for A. XXXX took XXXX checks that were pre-printed with the account number for A, crossed out the account number, initialed the deletion, and wrote in the account number for B. XXXX used these checks to pay XXXX utility bills. The bank, however, treated the checks as being drawn on A and charged me fees for " insufficient funds, '' since there were only a few dollars left in the account. I want to contest the bank 's authority to interpret the checks in contradiction to their clearly expressed intent. I will probably be charged " returned check '' fees by the utility companies as well, causing me to be out-of pocket about {$100.00}.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/2022, but it saddens me that no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: LA
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:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I unfortunately had trouble with my home insurance company that required lawyers to be involved in order to get the appropriate payout for the hail damage to my home. We ended up settling out of court and the check that was intended to pay my lawyer fees, public adjuster, and damages is not being endorsed by my mortgage companies Loss Draft Processing Center. They are hoping to deposit ( and hold in trust ) my check that is supposed to pay my lawyers, public adjuster, my painting contractor ( about XXXX worth of painting expenses ), and the remainder which is to reimburse myself for repairs that I have already paid for. The amount of money that should involve my mortgage company is under the amount that should even involve the loss draft department. This process is beyond obstructive and beyond the scope that they should have authority over. I am in need of repaying myself for repairs I paid for out of pocket and I have lawyers and professionals the need to be paid. If this check was portioned differently from the beginning I would have been able to have the check endorsed at my local bank branch. I 'm at a loss and I 'm concerned that I will not be able to have my money released from my bank.

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