BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-22
Company: BANK OF THE WEST
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a used XXXX XXXX XXXX XXXX XXXX  from a 3rd party in XXXX XXXX  on XX/XX/XXXX for {$260000.00}. The motorhome was titled and registered in XXXX XXXX. I paid {$130000.00} in cash and a loan from Bank of the West for {$130000.00}. Included in the loan fees were the XXXX State title and Registration fees of {$470.00} ( see attached LoanDisclosureStatement ). XXXX is where I reside. Bank of the West was supposed to take care of the XXXX  title and registration. On XX/XX/XXXX ( see attached XXXXXXXX ) I received the letter dated XXXX from the XXXX DMV stating the date on the Title XXXX submitted to them by Bank of the West does not match the date on the XXXX XXXX title in the National Database of XX/XX/XXXX for this motorhome. The letter also states a " blank '' check was included which they can not accept and lists the required title and registration fees. It says if there is no response within 30 days the transaction may be returned, put on hold, or cancelled. Between XX/XX/XXXX, the day I received the letter, and XX/XX/XXXX, I called Bank of the West 5 or 6 times and each time was assured this issue would be expeditated and I would receive a response from them. The 6th call I requested to speak with a supervisor. That also got me nowhere. 
On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX XXXX ) Complaint : XXXX. They too have hit a dead end. After numerous inquiries and numerous replies to/from Bank of the West by the XXXX, Bank of the Wests response was always the same, they needed more time to investigate and expect a response in 2 weeks. After 2 weeks they responded they needed another 2 weeks. This has continued since I filed the complaint. 
I have continued to call Bank of the West and each time assured this would be escalated. I have also spoken with the XXXX DMV and the XXXX XXXX DMV thinking maybe I could resolve it but XXXX XXXX DMV will not give me the title because I am not the registered owner. That seems ironic, I paid {$130000.00} cash, have been making {$980.00} monthly payments for the past 10 months totaling {$9800.00} and insurance for a vehicle that I cant drive! I have no title, no registration and no license plates and if there was a serious problem its registered and titled to someone else! 
I spoke with the XXXX DMV earlier this week and was told they have heard nothing from Bank of the West since they sent the XXXXXXXX letter dated XXXX. 
Bank of the West has committed fraud. They misrepresented the RV loan and process. I was told the registration/title process would be done in 5 to 7 days. They have my money and I have a vehicle I cant drive. I have paid over {$5000.00} in interest and insured a vehicle that sits in my driveway.

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 2023-03-31
Company: EQUIFAX, 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: GA
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:
I have sent them letters, request, I have called and yet they have not deleted the old, incorrect, outdated, obsolete information.

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 2023-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This has been going on since XX/XX/XXXX in which online credit reports were blocked. Equifax requested information on identity which was provided. On XX/XX/XXXX spoke with **** who said the issue was fixed and the online would be up in two hours. It was not. I called again and spoke to *** who said allow 24 hours. 
I checked today, XX/XX/XXXX, per *** she said it releases once a month. This is incorrect information as historically my credit report was accessible regardless of duration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 can't believe that I continue to deal with these issues from the credit bureaus. How is this legal? XXXX, TransUnion and XXXX, all say that they have reviewed my reports, and everything is reporting as it should. Everything is accurate, no mistakes and its XXXX XXXX XXXX who owns these accounts. None of the accounts I question have any errors and it's been 100 percent verified. Well i have again more proof that I continue to collect and use for a later date if these items are not removed immediately. Account # XXXX is not only on my report 4 times from the list above. The part that stands out the most is how they all have different last active dates! How do you all have the same account that was supposed to be verified as 100 percent accurate report XXXX different last active dates! Are you purposely trying to get sued for breaking the law?? 
Remove these accounts immediately from my credit profile for reporting inaccurately, failing to investigate, and falling to verify these accounts.

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 2019-03-24
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2019, I stopped by the XXXX XXXX showroom in XXXX, MD to look for a new bed. As I and a sales representative walked the showroom floor, I spotted 2 types of beds. I asked the representative, " how much is this beds? '' She scanned both of the price tickets, walked over to the computer and looked up the one bed I was must interested in by the item number. Based on the computer 's price, the bed listed at {$770.00}. I then asked, if they have credit. However, I also made it clear, I wanted to put down some money ( {$300.00} ). 

As we walked over to the counter, the sale representative informed the cashier, I was interested in their credit plan. Unbeknown to me, the cashier had called some telephone number, spoke to someone on the phone. I then spoke to the person who instantly says, " I've been approved for {$2500.00} and a credit card will be sent to me, I then stated, " wait a minute. I did not ask for a credit card. '' I was then informed, in order to get the bed, I had to get the credit card. Of course, I was never, ever informed about the interest rate of the card. Later, I received an e-mail notice from one of the credit bureau, XXXX. 

XXXX informed me, some company had pulled my credit. I never authorized any credit bureau to release or to authorize pulling my credit report. In fact, my credit report is locked to keep any company from pulling my information which leds to my credit score being lowered. I am not happy that some company named SYNCB, XXXX XXXX XXXX, XXXX, XXXX XXXX, or the fact that XXXX   allowed any company to access my credit information without me unlocking. Not acceptable!! 

What is this complaint about? 
XXXX XXXX did not disclose the terms of the credit card, or what is the interest rate. Also, XXXX breached its duty to protect my credit report, by allowing a company, SYNCB to access my credit information. ( My credit information is locked. Without me unlocking my XXXX account, my personal information should not been released. ) What type of problem are you having? 
Not know, what the interest rate is on the credit card. 

What happened? 
Uncertain as I do not have the bed. 

What company is this complaint about? 
XXXX XXXX, XXXX and SYNCB. 

Who are the people involved? 
XXXX XXXX, XXXX  and SYNCB

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 2018-09-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
i made an electronic payment around XX/XX/XXXX, over 6 weeks ago, of about {$110.00} That payment was removed from my bank account and sent to Navient. I quickly noticed that the payment was never applied to my Navient account, so I started calling my bank and Navient to determine what was going on. After a group phone call between me, a representative from my bank, and a Navient representative it was determined that Navient had misplaced my payment, but my payment was sent to the right address. The representative then stated that the issue should definitely be resolved by my next due date at the latest. I then proceeded to call at a minimum once a week to keep tabs on the progress, and each week I was told something different by each representative, with none of them having any idea about my accounts situation whatsoever. Every representative after the initial one told me that my payment was sent to the wrong address and it would be relocated within the week, and they highly suggested that I use my forbearance until the issue is resolved. One representative even told me that she had expedited my request and that someone had to look at it the next day and that it would be addressed that weekend. I also reached out via email and 5 days after the original email I received a response that was completely useless and in no way answered my original question. My next loan payment was due last week, and I made the payment on time directly through Navient this time, but noticed that the first original payment still had not been applied to my account as promised by Navient. I also tried calling during their normal business hours and was given a runaround by their automated phone system three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Better Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a 30-year refinance from Better Mortgage in early XXXX at a quoted rate of 2.75 %. With a XXXX score of over XXXX, I provided all documentation requested, nearly everything within 72 hours of application. After receiving the initial GFE for closing costs and escrow, I received several significantly higher GFE " updates '' with bogus property tax figures, which I had to correct. My credit card was charged {$550.00} for an appraisal which has not occurred and which I have been told is not necessary and was to be waived but I have not received a requested refund to my credit card. Was asked by Better Mortgage to provide documentation which I had already provided and was subjected to long periods ( > week ) where I did not receive replies to my emails asking for the status of my loan application. It is now two months after the initial application, the rate lock has expired, and I am being told the company is waiting for " 3rd party '' documents before submitting the loan package to underwriting. In the meantime, Better Mortgage 's advertised rate on the same loan product has fallen to 2.5 % and I have requested that due to excessive delays entirely the result of their own service failures, I want the rate of 2.5 % currently being advertised by Better Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Thursday, XX/XX/2019, I was attempting to buy tickets to see XXXX XXXX perform at the XXXX XXXX that night. I found a listing on XXXX saying that a man was selling 2 tickets for {$250.00}. I texted back and forth with the man and ended up sending him the {$250.00} over XXXX. After that he told me that he would be sending me the tickets and then blocked my number and the tickets never arrived. I have spoken with representatives at Chase 2 times and they have been either unwilling or unable to help me contact XXXX to figure out who the guy is that scammed me. I have also filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have several hard inquires on my credit report that I did not authorize and that I do not recognize. These inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6800.00}

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 non-monetary relief
Consumer complaint received 2020-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
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:
Bank of America is reporting a debt on my credit file that I do not owe. This debt is really old. I have checked with my Attorney General for the state of Louisiana and this debt is way past the statue. Not only is it past the statue of limitations in Louisiana but under the FCRA guidelines this debt is also past the credit reporting limit. This debt is violating my rights under the FCRA and needs to be removed.

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: EQUIFAX, 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: Information belongs to someone else

Complaint:
DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a federally protected consumer I am demanding the deletion of the INQUIRIES listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing provided a nonresponsive, misleading, and in some instances false response to Complaint # XXXX as documented in my feedback. The SLS response begins with an old inflated arrearage amount never resolved because the " agent '' could not be located by the CFPB, which in turn had to refer it to the FTC. Even the response includes significant charges to the account that go totally unexplained.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am sending this information personally and on my own behalf. The account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Account No. : XXXX is being reported to the Credit bureaus incorrectly and without my consent and therefore should not be on my consumer report. 15 USC 1681 states that I have a right to privacy and section two of that same law 15 USC 1681 Section 602 section 2 states that a consumer reporting agency can not furnish an account without my written consent I HAVE BEEN VIOLATED AND DEMAND THAT THIS ACCOUNT BE REMOVED. XXXX XXXX XXXX can not produce any documentation proving that I ever had a contract with them, in fact they can not produce any signed contract with my signature. TRANSUNION XXXX AND XXXX did not verify any of this information before publishing this information which is another violation of my rights. Also if a consumer disputes the validity of a debt or any portion of a debt the collection agency must cease collection of the debt. ALSO BILLING STATEMENTS ARE NOT EVIDENCE OF A DEBT and providing statement is not validating a 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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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 Reporting income on my consumer 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 non-monetary relief
Consumer complaint received 2019-11-22
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company 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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have submitted disputes the XXXX, Transunion and XXXX to report the below credit inquiries that I did not authorize or recognize nor do I have any open accounts with. Please see the below : XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation