BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-28
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:
i have been trying for the past few months to have this issue resolved.This account has been re aged and is a violation and needs to be deleted off of my report. 

XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX Equifax is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX I will attach a copy of my report as proof. They are in violation i want this deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On a Business trip my card was on a tab and when we were done I totally forgot my card and didn't realize until a couple of days later ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Continental Finance Company, LLC
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Continental Finance  issued me a   XXXX  card  that was initially for {$300.00}. I understood that there was an initial processing fee and what my balance would be upon receipt of the card. I made my payments on time every month an thought that everything was fine. That 's when I discovered this was not the case. Just about 6 months or so after receiving the card, I called to dispute a duplicate charge on my card. A store that I had patronized inadvertently charged me twice. When I called  XXXX , I was given the complete runaround, left several messages, waiting for a call back that never happened, switched from  one  department to another, and when I finally did get a representative to submit my dispute, I was very detailed in my claim and he STILL only credited my account {$1.00} instead of the {$15.00} that I should have been credited for the double charge. When I called back again, I got the same runaround until I just dropped it altogether. Months later, I am shocked when I get my bill and see that my account is over the credit limit when I made no purchases that month! They charged a {$95.00} annual fee PLUS a monthly maintenance fee of {$10.00} that was never there before, AND an over limit fee!!! Needless to say I was outraged but when I call, of course I need to speak to another department where I am transferred to once again leave a message for a phantom representative that never calls back! Not only that, but the interest rate has ballooned up to over   XXXX   % interest!!! These people are predators and need to be stopped. The meager {$300.00} that they initially offer so graciously  may s eem like a great solution to an immediate situation, but it is a nightmare dealing with these people and a shame that they are allowed to prey on hardworking people like this! I am appalled.

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 2017-08-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
X/XX/2017 went to Chase Bank to request amount of HELOC full payoff. Bank employee called as I waited and gave me amount of payoff, {$90000.00}. Paid that amount in full at that time. Was subsequently charged an additional {$470.00} as " interest and fees ''. They can not adequately explain this. I wonder if they do this to everyone paying off a HELOC hoping customers are confused. How can I be charged " interest and fees '' if I pay the loan off in full?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
In 2013, I filed a state tax return in XXXX. My Federal return for 2013 was later amended. The transmission for unexplained reasons did not automatically correct my XXXX return. When corrected, the State of XXXX   said I owed additional tax. The respondent was not licensed in XXXX XXXX as a debt collector or attorney. The threatened to bring suit against me in XXXX where I did not live and actually stated that service of process on me at an address in XXXX that I no longer owned was " good service. '' They threatened to garnish my wages and never gave proper notice of my debts. They also denied me lawful appeal rights available through their client. I am out my legal fees of {$7500.00} plus statutory damages under FDCPA and emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My homeowners insurance went up due to information my insurance was said was reported to them from Lexis Nexis. They said to contact lexis nexis in regards to what was in my report. I requested a copy of the information from Lexis Nexis ( case # XXXX ) and they said they would mail me information to obtain this report. Lexisnexis they sent me a password to log into the account and It does NOT work. I have called them 3 times but am unable to speak with a person there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: CA
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:
Equifax, XXXX, and XXXX credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a private loan to finance a renovation on an investment property -- FCI is the servicer for this loan. On XX/XX/22, as part of a transaction for a 1031 exchange, I sent in a wire transfer of {$31000.00} to FCI, with instructions to apply this towards the principal of the loan. Instead, they applied this as a series of interest-only prepayments. I have called in numerous times to request that this be corrected, and that the payment be correctly applied towards the principal. Each time, I have been put off and told that the payment servicing department will handle this, but as of XX/XX/22, this is still not corrected. Now that it is the first of a new month, I am concerned that the automatic ACH debits set up to pay for this loan are going to be adversely affected, causing me further inconvenience and potentially increasing the amount I end up paying on this loan.

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 2022-09-01
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In my last communication with EQUIFAX, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent in a dispute letter on XX/XX/2022 in regards to the account XXXX XXXX XXXX  # XXXX being reported by Experian. I did not receive any type of correspondence which validated the account. I do not owe this debt not to mention I never authorized anyone to use my information to obtain this alleged debt.

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 2022-09-01
Company: Netspend Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
There was a transaction on my card that I did not authorize. The Charge was for {$740.00}. I called the customer service filed a dispute, closed the card and was issued a new one. The card company closed the dispute case and did not find error. I did not authorize this transaction, I pay for cc protection and a monthly fee and they did nothing to get my money back. There was fraud on my card they made me pay to get a new one expedited because my paycheck was deposited the next day so I needed the money but i had to pay {$25.00}, My info was used without my consent and I had to pay {$25.00} to get a new card that is insane. They told me to write a written response to get a provisionary credit to my account for the unauthorized amount and I did so that never happened. The case is closed now and all they keep saying is wait XXXX business days to get the investigation summary sent to my email.

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 2018-05-07
Company: CCS Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
checking my credit report, i noticed a debt in collections. it says it originated with XXXX  XXXX XXXX, in XX/XX/XXXX. i was a customer of theirs, at that time. i cancelled the policy, WITHOUT ANY OUTSTANDING DEBTS. i contacted XXXX   XXXX first about this debt. they have no record of it. i am still a customer of theIrs and they have never tried to collect on it. 
i contacted the collection agency, XXXX XXXX XXXX, they can not or will not tell me what the debt is for. 
i will not pay a debt that no one can tell me what its for. THE AMOUNT IN QUESTION IS FOR XXXX $ i challenged this debt with XXXX. on XX/XX/XXXX.they investigated, and on XX/XX/XXXX completed that investigation. they can not give me an answer either.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: NC
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 Everything has to be 100 % accurate on my consumer report. 

The Credit Reporting Agencies stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 section 604 ( A ) 2 : a Credit Reporting Agency can not furnish a consumer report without written instructions of the consumer to whom it relates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CCS Financial Services, Inc.
State: TX
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 have A credit collevtion company reporting inaccurate information for a progresive account on my credit report. I do not have insurance with this company and have not had insursnce with this company. I wrote the company asking for debt validation and not debt verification. The company failed to supply valid validation that I owe them this collectipn bill of XXXX yet they are reporting this frauduent account to credit reporting agencies. This needs to be looked into because again THIS IS NOT MY ACCOUNT!! I HAVE NO KNOWLEFGE OF THIS ACCOUNT AND ALL REPORTNG OF THIS FRAUD ACCOUNT SHOULD BE REMOVED!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts 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 explanation
Consumer complaint received 2021-04-20
Company: LoanCare, LLC
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:
Loan  # XXXX. I'm currently on a forbearance plan until XX/XX/XXXX and I've been on one since XX/XX/XXXX of last year due to Covid. I filed applied for a forbearance plan with LoanCare and per the terms of the plan if my loan was current prior to entering the forbearance that's how it would be reported. Until XX/XX/XXXX XXXX was reporting my correctly to the credit bureaus then suddenly after selling my loan they reported me late and closed my account. This needs to be corrected ASAP! My loan was current before and according to the plan so why am I being reported late now when it was being reported Pay as agreed until now..

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 2017-06-22
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had a  XXXX  rewards card with Fidelity  XXXX  for over 10 years. In  XXXX  of  XXXX  Fidelity (  Elan   ) m oved to a new servicer. When this change was made they capped my rewards without adequate notice. As a result, I did not earn rewards for the first  four  months of  XXXX . When I noticed this and called in they said all I had to do to remove the cap was to was to ask for it. There was not change to my account number. However, they would not credit me with the rewards I would have earned.

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 2022-09-01
Company: Reliable Credit Association, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I've been working for the last few months to join the XXXX. my vehicle was repossessed on XX/XX/XXXX, I signed my active military orders on XX/XX/XXXX. The finance company is asking me to pay half of the balance XXXX out of XXXX to reinstate the vehicle and then they will set the account up on scra. According to everything I am reading on your website the account either qualifies for scra or it doesnt, the finance company admitted it does qualify for scra but they wont treat it as scra unless XXXX dollars is paid to them first. This is abusive and unfair practices on behalf of the lienholder. I have requested that they release the vehicle back to me and set it up on XXXX and I will bring the account current and continue to make my payments but they refuse and say I still have to pay the XXXX dollars before they will treat it as scra account. Also they are saying that the vehicle can or may have already been sold at the auction. They are refusing to place a hold on the sale pending the outcome of this complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Asked credit companies to do verification. They did and I found inaccuracies on my end. 

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX has violated my rights. 

15U.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 INSTRUCTION

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 2019-11-19
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I had a checking account with Huntington Bank. I also had a Huntington credit card. The card was set to autopay the minimum amount. In XX/XX/2019, instead of the minimum amount, the card auto-paid the full statement balance ( about {$300.00} ) out of my checking account, which left my account overdrawn. The card then put a cash advance into my checking account for to bring the account back to XXXX  ( to avoid the {$30.00} overdraft fee ). I called Huntington 's  customer service and they confirmed that this was an error. At that time, I asked for the card to be unlinked from my checking account so that it would no longer cover overdraft fees with cash advances. The CS agent reversed the incorrect payment, but it took 3-5 business days for the money to get back into my account. During this time, another cash advance was posted from the credit card to my account ( again, to bring the balance to XXXX  because of the money that was incorrectly taken from my checking account ). 

The same thing happened in XXXX, but now the credit card balance was around {$750.00} due to the cash advances. Although I had cancelled the auto-pay, the card auto-paid itself the entire {$750.00} balance out of my checking account, again leaving me overdrawn, and then proceeded to add more cash advances from the card to bring my checking account back to XXXX  while I waited 5 business days for my money to be returned to my checking account. 

I called customer service a number of times and was told that I " spent '' the money that was added to my checking account, so the credit card charges were valid. I did not. The cash advances brought my account out of a negative balance. 

I spoke with a representative in a bank branch who confirmed that the cash advances should not have been posted from the credit card to my checking account. 

When I finally managed to reach a manager at Huntington customer service, he was extremely unhelpful and insisted that I owe the money that was incorrectly posted to the account from the credit card. He refused to give me his name, and when I asked if I could access recordings of my customer service phone calls, he told me that " calls with managers don't need to be recorded. '' I did record our conversation myself, which I informed him. 

To date, there is no resolution on this. My actual balance on the credit card should be around {$300.00} and is currently {$1400.00}. 

Note that the date on the checking account statement attached is XX/XX/2019. At this point, I had requested several times that my credit card be unlinked from my checking account, but this change had not occurred.

Company response to consumer: Closed with explanation