BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: TN
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:
On ( XXXX XXXX I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i have tried multiple times to pay off this card and close it and they keep adding fees to close acount and this fee and that fee just recently my payment was due on XX/XX/XXXX i paid it on XXXX third more then amount asked for and they charged me a late fee on the third for a payment i made on third i called again trying to pay off this account mind you its a XXXX credit card i have been told they are having trouble and cant close it at this time again now they are saying they want all these fees for closing account when all said and done they wanted XXXX bucks when card is only for XXXX credit and i have available credit on it so balance is under XXXX dollars i need help the fees im being charged are uncalled for and all i want to do is pay it off and close it but they keep making it a night mare capitol one credit cards are ripping consumers off with un necessary fees and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: OH
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:
Report in the wrong address on my credit report still have it removed for hard inquiries, and affecting my credit Delete this account immediately unless you want to be held XXXX per violation 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 2023-03-06
Company: CITIBANK, N.A.
State: MI
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:
XXXX and XXXX, and creditors reporting improper information on credit report according to 15 U.S. Code 6802 ( B )

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 2020-03-27
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After receiving notice from Td Bank ( XX/XX/2020 ) that our homeowner 's insurance had lapsed, we immediately responded with the supporting documentation to dispute that claim : escrow statement showing full payment ( 12mos. ) to our insurance company, and a declaration page stating the coverage period. In the weeks to follow we made several calls to their customer service mortgage department to rectify the situation and hasten a solution ( refund ). At one point we even enlisted the aid of one of the banking center managers assuming that he would have access to the appropriate personnel! All of our efforts have been ignored. It was not possible to request the same agent when I called and each call involved retelling my story and being given the same response : " we will expedite your inquiry ''. Our account was billed an exorbitant amount, {$4200.00}, for insurance that was purchased by TD bank and they have not provided any explanation for why they claim we had no coverage. Meanwhile we were never notified that we were ( supposedly ) at risk and it was 5 months before we got any notification, and were billed well after the fact. 
The level of disregard for our concerns and consumer rights is more offensive than the incompetence of the customer services at TDbank!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Very disappointed with XXXX, of all Credit Agencies, your response and clear lack of proper assessment, you've sided with a crooked company that has lied and not corrected their own misreporting, despite my screenshots of information proving so. You also continue to reduce our scores, again without any consideration, which the other agencies have corrected and who properly reviewed all information and took care of correcting information and scores. Despite proof of unfaultered trial payment program, which has not been corrected, you clearly are unable to rationalize the facts. 

SLS - Specialised Loan Services, shows missed payments on our mortgage, on XXXX occassions, - PRIOR TO THEIR OBTAINING the mortgage from XXXX XXXX, where there was an agreed deferment and already signed documents in place to restart payments, AND SLS reporting failure of making trial payments to them, which are clearly documented on the account, received documents of confirmation of ALL Trial Payments and agreement to continue planned payments, YET SLS and XXXX have failed to remove the INCORRECT INFORMATION FROM THE CREDIT AGENCY PUBLIC RECORDS. WHEREAS the information has been corrected with XXXX AND XXXX ..... 
This has now caused any company using ONLY XXXX to DENY CREDIT, based upon FALSE INFORMATION from SLS on XXXX site. 
We have also since received a letter from SLS offering products to us, based upon our " EXCELLENT PAYMENT HISTORY '' SLS and XXXX HAVE FAILED to correct and will be subject to litigation with the Documented proof we have from SLS THAT EVERYTHING SINCE AND INCLUDING THE TRIAL PERIOD was satisfactorily PAID AND SETTLED.

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 2021-02-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
As of XXXX, Champion Mortgage still has not applied my current payment of {$140.00}, made on XXXX, to my loan account number XXXX. XXXX XXXX check number XXXX has no posted to my checking account. I have tried several times to get Champion to explain why this has happened only to get conflicting answers. This non-action by Champion has placed my account, XXXX in arrears, meaning, they could call the loan balance due at anytime. Please find out how many more payments before payoff. 
Background details [ I am still having problems with Champion Mortgage. Most recently, they are not applying payments I have made by checks of {$140.00} to my loan account XXXX # XXXX XXXX. When I sent this month 's payment on XXXX the check ( # XXXX ) still has not posted to my XXXX XXXX checking account as of today, the XXXX. When I called them last week, at first, they told me I missed three payments due to auto deduction agreement was stopped because the bank had blocked such deductions from my checking account. When I called XXXX XXXX, they told me there were no such blocks and all Champion needed to do was resubmit the deduction request. I called Champion again and they insisted my bank would not clear the check -- which apparently is not true. Either that or Champion 's system is faulty. Payments were sent to Champion Mortgage, XXXX XXXX XXXX, XXXX, TX, XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: MO
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX chase bank closed my account with my money in it because they said I didnt have a Business account I provide Them with Document from XXXX Stating that I had a business and the money was from the SBA they stated it was not going to release the money they was going to send it back and its been a year and now I have to make the payments back but never received the money I call the SBA they said it was nothing they can do I provided them the documents that said I had a business the bank excepted the money and now they wont release it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Indie Technology DBA Found
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 my lawyer did a money transfer for a settlement that I won from an XXXX XXXX XXXX  case and they had it transferred to my found account and found froze my account because they said of initial activity even though I've had a chance for my lawyer before they still chose to freeze my account I've since then have provided my ID front and back and any other verification that they have asked for and they still have not and froze my account I need my funds as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: PA
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 am writing to report fraudulent charges on my report, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I am a victim of identity theft and did not authorize nor make these charges. I am requesting these fraudulent accounts be removed from my report, and that I receive and accurate statement. Please correct this matter and remove these fraudulent charges as soon as possible.

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 2022-02-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-12
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2020-03-27
Company: BANK OF THE WEST
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
We traded in my wife 's XXXX XXXX on XX/XX/XXXX On XX/XX/XXXX I called bank of the west for a payoff and was told {$21000.00} ( Note they had not included a payment made on XX/XX/XXXX. 

While at the dealer I was asked to provide a Written Dealer Payoff to the dealer. 
I called on Tues on XXXX I called to request the pay off be faxed to the dealer, I was informed it could only be faxed and would take up to 3 days to fax. I was quoted {$21000.00} as of XX/XX/XXXX the dealer had not received it and I called again and was told they could now email it and they emailed it but was a consumer pay off, I called back to request a dealer payoff and was told I would have to call someone else as the lease end dept couldn't put that in writing but quoted me XXXX as the dealer payoff. As of XX/XX/XXXX XXXX there was still no dealer payoff faxed and I called again and was told they would fax it immediately. I feel that Bank of the West is deliberately trying to stall this to increase the interested that I have to pay. They bounce me around to different depts and have tried to tell me the consumer payoff of XXXX which includes taxes was a dealer payoff, I clarified that this would be incorrect as the dealer payoff would not included taxes. 
They will not allow the dealer to call and get this payoff so it's not costing me more to get this lease fully paid off with the trade as they continue to drag this out. I have worked with many other banks and they can get this information within mins, so not sure why Bank of the west seems not to know how to process this paperwork and continues to send incorrect paperwork They choose to not email or reply in writing so that I have no documentation to use as evidence

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 2023-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Recieved email from Bank of America on XX/XX/ XXXX XXXX XXXXXXXX XXXX stating that an online banking account was opened. On XX/XX/2023, I received an email from XXXX XXXX ( a subsidiary of Bank of America ) stating that an application for a XXXX account is under review. At XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I called XXXX XXXX to rectify the situation. They confirmed that the activity was fraudulent as the user entered my social security number, date of birth, address, and name. They closed the application and flagged my social security number to prevent users from making an account with it. The representative also informed me that this information would also be passed along to Bank of America. However, I received another email from Bank of America stating that an online banking account had be created on XX/XX/2023.

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 2023-04-23
Company: R & B Corporation of Virginia
State: OH
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:
On XX/XX/2022 I contacted this company about this debt they have placed on my credit upon reaching out to them I clearly stated to them that this is not my debt of {$210.00} that been placed on my credit. The company said they purchased this account from XXXX XXXX for a bill I owed I ask for the proof of this bill they just stated I needed to pay the bill. I have contacted this company again who than stated their was cable on in my name that was at a address I did not resign at I provided them proof and they still refused to remove this off my credit I have disputed this and just keep receiving the same letter that states they did Investigation and will not remove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This account is current but for XXXX and XXXX it shows I am late 30 days. Though XXXX  already resolved it because I was never late. Also the payment history shows that I paid on time and I really do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Fully endorsed coupon payment tendered to supplier and was not applied. Amount {$2000.00} sent certified mail and delivered XX/XX/22 tracking # 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 2020-03-27
Company: Experian Information Solutions Inc.
State: CO
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  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX****. ( Please see page attached. ) This mortgage was transferred from XXXX XXXX  to XXXX to XXXX XXXX which is part of XXXX. This was an In- house transfer with no notice given to me. I have had perfect paying history and this late is a mistake and should have been part of the ( 60 ) day grace period that restarted when XXXX XXXX switched me to XXXX XXXX in XXXX. This false reporting of a late is seriously harming my credit score and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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