BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-06
Company: Experian Information Solutions Inc.
State: NC
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:
Experian never notified me of the outcome of an investigation into an account/credit card and refuses to correct inaccurate information on my account listed as XXXX XXXX XXXX. On my credit report it is listed as a closed/charged off credit card account opened in XXXX with {$15.00} written off. I have disputed this twice with experian. Neither time did Experian notify me of the outcome or share information. On my credit report the phone number for the company listed as XXXX is not a working phone number. 
My report shows that Experian " Completed Investigation of FCRA dispute on XX/XX/XXXX but no results or information has been shared and this has not been corrected or removed. In addition, this is listed as a " joint account. '' Also on my report, a " reinvestigation info '' section reads that the items were " updated from our processing of dispute in 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 2019-05-29
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:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my XXXX XXXX tremendously..CFPB please step up and fix this ASAP 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 explanation
Consumer complaint received 2023-07-05
Company: ALLY FINANCIAL INC.
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:
I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) XXXX ( XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification. 

I appreciate your attention to this matter and hope that I can resolve this dispute in my favor. Please let me know if you need more information or documentation from me. 

XXXX regards 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 explanation
Consumer complaint received 2018-10-10
Company: Duvera Billing Services, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I went to XXXX XXXX, located in XXXX, IL to have the brakes on my XXXX XXXX XXXX replace. I was informed by the Shop Manager that all four must be replaced as well as the Rotor which will cost approximately {$940.00}. I informed the Manager that I only was able to afford to have the front brakes did. They reply by inviting me to a 90-days interest-free cash payment. Or 12 month I agreed. While I was at the shop the service technician took the primary information off the car, the cashier downloads the mileage intentionally incorrectly into XXXX system my incoming miles was around XXXX XXXX backlogged the miles to XXXX this would have caused my XXXX XXXX warranty to expire. After, realizing this was intentional that XXXX was trying to sabotage the XXXX warranty. I didnt realize that I was being schemed until my alleged new brake pads and rotors were squeaking I couldnt understand why this was happening. I took the car back and showed the General Manager how they deliberately downloaded my miles, they did honor that and replace both the brakes pads and rotors. My primary complaint was this company that finances the balance of the bill, my agreement was that I will make my payments by money order only I do not have any of my creditors to automatic withdraw payment from my account. My last payment was made by money order on XX/XX/XXXX as money order No. # XXXX amount {$150.00}. 
XXXX XXXX ( XXXX XXXX ) whom I agreed to finance the balance. XXXX illegally withdrew from my bank account {$80.00} on XX/XX/XXXX which at that time caused my account to be overdrawn. Im a seniors citizen living on a monthly budget wherefore, I can not afford my checking account to be overdrawn. According to their monthly statement, the customer has an option to enroll in automatic payments from either your checking account or debit/credit card. I refused to participate. After researching my rights and how I can begin legal action against this company for violating my privacy and attempting to steal my identity to gain access to my bank account. That when I also discovered I was being overcharged interest rate. I didnt realize they were in violation of the Illinois payday loans interest rates laws. I informed XXXX XXXX   that I appreciate if they would return the funds right away which per my conversation on XX/XX/XXXX at XXXX XXXX I was informed to fax a copy of the bank transaction which I did. Today XX/XX/XXXX they inform me my funds won't be available for at least 6-10-days. I requested 48 hours. They went into my account electronically they can refund my account electronically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America payment system does not allow for submitting a payment. When it is attempted, and error appears " '' There was a problem processing your request. XXXX is temporarily unavailable. Please try again later. '' I have screenshots. 

Called on several occasions to address this and no one at Bank of America seems to be able to resolve this the prior 2 months, including the latest call and being transferred to 3 different agents and spending over 1 hours and 15 minutes on the phone at XXXX XXXX pacific XX/XX/2XXXX 

This has resulted in late fees on the corporate account ending in XXXX and presumably upcoming finance charges based on an errors and issues with Bank of America 's payment system These late fees ( {$49.00} ) and future finance charges need to be reversed. 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 monetary relief
Consumer complaint received 2021-05-17
Company: AXOS FINANCIAL, INC.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I wanted to set up a business account with Axos and started the process in late XX/XX/2021. After so much back-and-forth issues, I let Axos know that I was withdrawing my interest and would set up an account with a local bank. TWO DAYS AFTER I sent the email stating I was no longer interested, they withdrew {$1000.00}. from my personal checking account to open this new business account. Needless to say, I was furious and emailed immediately, then followed up with a phone call on XX/XX/2021. I was told the account would be closed and they would return my {$1000.00}. via wire transfer ( the same way they TOOK my money without my permission ). I was informed this would take 3-5 business days. It has been two weeks and my money has not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-08-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance Owed : {$18000.00}.

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 explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2018-11-14
Company: Southern Auto Finance Co
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi My name is XXXX XXXX, I currently have a auto loan with XXXX XXXX, I have had many problems with this bank with info being report as well as communication errors with the staff. 
Currently there is a missed payment on my credit report, and because of that my score has taken a huge hit and no matter what i do will not get any better. I've disputed multiple times with both bank reps and the credit bureaus to no success. According to Safco i missed a complete payment on my auto loan and that is inaccurate i have never missed an payment. I have been late on account but never past 30 days. or without speaking with a representative first due to me being in military its times when i am in field training and can not have electronics which causes me to make payments after due date but per multiple agents with this company no payment has been missed that would fit there reporting policy to be late. I already had one report corrected through this company because inaccuracy. This is not fair. I can not move forward with anything else in life as far as housing and possible vehicle upgrades due to this account reporting the missed payment which is not accurate. all the bank can do is send me a payment history and i understand what there systems may say but the info is inaccurate and its just not fair that i have to continue to take the hit for something that is not true.. Ive made all the payments on this account accept one that was an arrangement Other that payment ive made all of my payments, even if they were made after due date none were ever made after the 30 day reporting policy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Jp Morgan Chase closed my account with out notice on XX/XX/2023 went to get groceries and gas for my family and my dept card was frozen said declined so I called chase knowing I had funds in my account with know way to provide for my family on the XXXX talked to XXXX branch manager in XXXX she said they don't know why but I was able to get my funds out and explained I get paid on Friday the XXXX of XXXX she talked to someone on the phone and said I could access my funds wensday the XXXX but chase is still closing my account called that Friday and XXXX the branch manager said my account was closed and apologized. But that doesn't fix things because I had no food to feed my family or fuel to travel to get help and chase never kicked my compensation check back to va to be resubmitted to me and as I know of today the XXXX of XXXX they still have not sent it because I am begging for help as a veteran of XXXX pretty sad when a institution that says does for veterans denies your rights to access your funds after banking for 12 years and you only gained small interest rates if any from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home loan was transferred last XXXX from another servicer to Mr Cooper. This spring XXXX effective XX/XX/2021 XXXX our loan was transferred to another servicer, but we have not received any information concerning the new servicer or how to pay our mortgage. When I couldnt pay my mortgage on XX/XX/XXXX, I started by checking the web site ( using my log in account ) and app for Mr Cooper, but I could not find any information about the transfer ( other than that is was transferred ). I have called Mr Cooper to get the necessary documents ( around XX/XX/XXXX ), I spoke with a customer representative and was told I would be sent the files. I found a compressed document was made available online and from the online portal I emailed it to myself. Upon trying to open the mortgage transferred informational document, I found that it was corrupted and could not be read. The automated phone service is useless and getting ahold of a representative has been painstaking, time-consuming, and ( as seen from the previous attempt above ) completely useless. I have no idea if the new servicer plans to fine me for late payments or attempt to apply some other unsavory consequences as a result of my lack of information, but I found the result, even as it stands at the moment to be completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I purchased my leased vehicle. The pay off was a little over {$30000.00}. I mailed in a check for {$25000.00} from XXXX XXXX XXXX XXXX and a cashiers check from XXXX XXXX  for {$5000.00}. Chrysler Capital claims depending on who I talked to that day either they lost the XXXX check or that I never sent it. After XXXX or so calls, I was told if I dont send them {$5000.00}, they will keep the {$25000.00} check and repossess the truck. I had to borrow money and go without food to send them another {$5000.00} as you have to wait XXXX  days to do a stop payment on my initial cashiers check from XXXX XXXX. XXXX  days was up this Monday the XXXX XXXX XXXX. Turns out Chrysler Capital did in fact cash that check when I sent it and misapplied the funds. They had the money the entire time while accusing me of never sending and saying they will repo the truck. Now, they wont give me the {$5000.00} back until they can find the money and get it back from the wrong account. I dont see how their XXXX XXXX  is my fault making me wait longer. This seems like theft and bad faith. All while falsely accusing me of not sending them the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation