BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased a prepaid card from XXXX with the amounts of {$300.00} on there the card was supposedly never correctly activated at the store I have contacted them got in a hold of XXXX  XXXX  I've sent them everything possibly needed I emailed them over five times I faxed and over two times everything that they needed from me and every time I do get a call I either get disconnected or they hang up on me and this has been since XX/XX/2023 and all I want is my money it's been over every time I talk to them they tell me to send it in again and wait 10 business days 10 to 15 business days no I'm not doing it again I want my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We fell a few months behind on our mortgage due to a temporary hardship. That hardship was resolved in late XX/XX/XXXX. On XX/XX/XXXX, I called our servicer, Specialized Loan Servicing ( SLS ), to make a payment to cover the past due amount and catch up. The representative told me that the amount due to catch up was {$3400.00}. The representative helpfully scheduled a payment for that amount for XX/XX/XXXX and made no mention of anything being amiss. I received a confirmation email and confirmation number. On XXXX, I received another email saying the payment was completed. I checked my mortgage account online, and I saw that that amount was applied to the balance due on the loan, and I assumed everything was fine. SLS also withdrew the {$3400.00} payment from my checking account at that time. 

However, on XX/XX/XXXX, I received a message via SLS 's secure messaging system that my payment was being returned due to my loan being in foreclosure. That was the first time I was made aware of any foreclosure. I replied to the message using the secure messaging system and explained how I was told on XXXX that the payment of {$3400.00} would cover the past due amount and I expected them to follow through on their word. I received a reply on XX/XX/XXXX that basically said the same thing as the XX/XX/XXXX message. In the meantime, I called SLS on XX/XX/XXXX and spoke to a representative who was unable or unwilling to help me. He scheduled a return call with a supervisor for between XXXX and noon on XX/XX/XXXX. I arranged my work schedule so I would be available at that time, and I never received a call. I then sent SLS another message later in the day on XX/XX/XXXX asking for the direct number of a supervisor. I didn't receive a reply until XX/XX/XXXX, which said a supervisor would reach out to me in the next 24-48 hours. That time frame has now passed, and I still haven't received a call. 

SLS obviously made a mistake, they are unwilling to correct it, and they are unwilling to escalate the matter to someone who can correct it. They have yet to return the {$3400.00} payment. I expect them to honor the figure of {$3400.00} as explained to me on XX/XX/XXXX and apply my payment to the loan. They record all phone conversations, so none of this information should be in dispute. I also have copies of the confirmation emails and other communications.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I noticed an account recorded incorrectly on my credit report. This was revealed when I attempted to apply for a mortgage. In XXXX and XX/XX/XXXX, I filed a dispute regarding a debt that still shows on my credit report. I attached court documents indicating the debt was satisfied on XX/XX/XXXX yet the credit report shows 120+ days delinquent with a balance owed. In both disputes, they were reviewed and closed on the same day with no changes. No true investigation was done on the matter even though a Notice of Satisfaction was provided from the Commonwealth of Virginia.

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 2022-09-16
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XXXXXXXX XXXX  Balance : {$20000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MT
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:
PORTFOLIO RECOVERY ASSOCIATES LLC I just wrote a complaint ( XXXX ) on this company. Submitted to the CFPB on XX/XX/XXXX Now I'll tell you again this account Is not mine. 

My name is XXXX XXXX. 

Please refer to the company response where the name is incorrect. Not me! Response from Portfolio Recovery was this.. " Portfolio Recovery Associates , LLC ( XXXX ) investigated your complaint and verified the XXXX account XXXX in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau Regulation V , state and local law, and industry guidelines. XXXX is a " Debt Buyer '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from debtors who owe such debt. Business records provided to us by XXXX XXXX XXXX XXXX XXXX  XXXX ) reflect that on or about XX/XX/XXXX, XXXX  XXXX opened a XXXX credit card account ending in XXXX for XXXX XXXX XXXX '' This is not me! 

My name again is XXXX XXXX. 

They have been reporting someone else 's name onto my credit report. They need to be fined for years of hassle and headache and remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a XXXX  XXXX business credit card that showing on my credit report. 
On XXXX, i contacted XXXX  XXXX that i was having hard time paying the bill due to COVID-19. XXXX XXXX has been closed due to impact. When i contacted the XXXX XXXX they seemed like they understand the situation. And the system automatically generated new payment options so i thought it was good. However, the company reported my payment has been late even though i explained that XXXX XXXX was affected by COVID-19. But, they still reported the credit bureau and it still shows on my credit report that i was late even though it was XXXX XXXX credit card. I applied for EIDL loan for help but i got declined EIDL loan from the government due to credit score.

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 2019-01-13
Company: BARCLAYS BANK DELAWARE
State: NH
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 balance transfer

Complaint:
Barclay 's XXXX Credit card offered a 0 % APR, 0 % balance transfer fee program which I took advantage of to pay down credit debt over a 12 month span. I had set my account to pay the balance of {$900.00} a month for 10 months to pay off approximately {$9000.00} of debt that was transferred to the card ( completed XX/XX/XXXX ). 32 days after the transfer ( XX/XX/XXXX ), Barclays took out almost the entire balance ( XXXX ) out of my checking account as the monthly payments were " reset '' to the statement balance. I called Barclay and they stated this happens by default after a transfer. They admit it should have been handled over the phone, however when I called to do the balance transfer originally, they said to do it online. Now I have to declare fraud from Barclays to XXXX and see if they can reverse the payment. Shame on Barclays ; I would avoid them at all costs. This has never been a problem on XXXX or 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 monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-24
Company: SYNCHRONY FINANCIAL
State: LA
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:
I reviewed my Consumer Report and noticed that I have two late payments that I was never late on. After I received my consumer repot Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : SYNCB/XXXX, account number : XXXX Please investigate and provide proof with statements showing that these payments were late. If can't be provided I demand these payments be updated to on time as they should be as I was never late. Thanks,

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 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID AND USED IT TO OPEN THIS FRAUDULENT LEASE IN MY NAME I HAVE CONTACTED FEDERAL AND LOCAL LAW ENFORCEMENT TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-11-28
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts : XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # 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 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 168s-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 2023-05-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX Experian RE : Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification.

The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2023-06-07
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I've paid off my car loan last week and I picked up the title release letter at the branch. The agent at the branch informed me that if I wanted the title same day, I can simply go to county tax office to pick it up by showing them the letter. So I went there waiting 2 hours to pick up my title and tax office clerk said I had to go to DMV. So I went to DMV and waited 3 hours to pick up my title and the DMV clerk said they are not able to issue the title because Navy Federal Credit Union is still showing up as lienholder in their system. So I called Navy Federal regarding this and they said I needed to wait 7-10 business days. They literally wasted 5 hours of my time because of misinformation. It's frustrating because I paid off the loan so I can sell the car and buy a new truck. If they informed me that I needed to wait 7-10 business days at the branch, I wouldn't have had problems. But they wasted 5 hours of my precious time ( I skipped work ) so I find this very frustrating.

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 2022-04-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have 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. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Applied for BofA card that said it would come with a {$100.00} statement credit with purchase of a flight. I got the flight- {$180.00}. At no point was it made clear to me during the application that it would cost a {$59.00} membership fee, it really only asked the basic questions about myself, ran a credit check, approved and used that day. I called in to pay it off when the statement came still saying XXXX nothing about a fee. Call in to pay it off, find out about the fee. You guys have been extremely deceptive to me before, its why I didnt use you for years and years. He said it was in the TOS which I didnt even get till after use. I wouldnt have used it for a measly {$41.00} statement credit since you always weasel stuff in. I want my my {$150.00} back as advertised

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 2021-01-07
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
State employees credit union gave me XXXX to buy a car the car have engineers on the same day I bought the car and I asked the bank to cancel help me was not been done and in couple months the engine broke done. 
State employees bought me other {$13000.00} to buy other car i couldnt keep pay for the car the motor got bad. Im still making a payment for the XXXX and my credit card. 
The XXXX is though by accident the insurance pay off my bank. 
Im making my payments on my credit card and my car on time. 
The first car was charged off The second car will be paid full but I cant buy other car was denied by credit union My credit is freezing still I tried to remove negative things from my credit report Ex : I had 3 social security on my credit report Different names also. I need a help please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: SLM CORPORATION
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:
XXXX XXXX has 4 accounts in which they receive 6 payments every month. 1 account has been receiving far too much money resulting in over-payment of {$1300.00}, while another account receives no payments. I have alerted XXXX XXXX  of the issue and told them that they need to reapply the money to the account that was overpaid to the account that was not receiving the proper payment. We have all the supporting documents from my Bank bill pay and they are willing to send them documents dating as far back as three years ago. We have called and spoken with several XXXX XXXX representatives and they have stated they were aware of the issue and that was a problem on their end and that they would fix it. However it has been a month and they have not fixed the issue nor called me back about it, and they absolutely refuse to send an email so that I may have further evidence on their statements.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief