BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: AZ
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:
SEE ATTACHMENT. I HAVE RECENTLY DELETED THIS ACCOUNT TWICE AND IT CONTINUES TO REAPPEAR ON MY CREDIT REPORT THUS BRINGING DOWN MY CREDIT SCORE. IT IS DISRUPTING ME TRYING TO BUY A HOUSE.

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 2021-01-23
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been unemployed due to the Pandemic for roughly 10 months. I also have a disability which precludes me from securing certain types of work. Most credit card companies have been supportive during this time, but a couple were not. Late fees, reports to credit agencies etc. I told one in particular that I was waiting for Unemployment assistance and that the threats needed to stop. They didnt. Eventually, they sent the debt to a collection company which has contacted several members of my family, including some I havent spoken to in some 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 monetary relief
Consumer complaint received 2020-11-19
Company: LD Holdings Group, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have loan I applied for 60 days ago. i have a XXXX credit score and a DTI of 25 %. i wasnt hearing anything so i called in and was told my dti was too high. I have only one debt ( my mortgage ) and a XXXXk base. i left messages with several managers at Loandepot but i could not get a single call back. all i wanted is someone to explain how the DTI was being calculated but i could not get a single call back. i left voicemails and emails for the loan processor supervisor 3 times and emailed. the loan processor supervisor 's boss. the loan office and the loan officer 's supervisor. no one could be bothered to call me. the last time i spoke with XXXX XXXX she couldnt explain any steps she had taken and just repeatedly told me that i should be just grateful that she called me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A month and a half ago I was told that my mortgage credit history was not showing on my FICO score. I was told to call and get my mortgage reaffirmed and it would help save a lot of money on my refinancing that I was looking in to. I called Bank of America and asked to have it reported to the agencies and they gave me a " Case '' number for it. I received a letter from them two weeks later and they wanted to know which posts on my history that I disagreed with so I called them and once again told them I simply wanted to have my mortgage history to show on my credit history, making my score much higher, thus saving me a lot of money. They noted my account again and made " profound '' notes to state my desires. I called back two weeks later and they told me that the history would show on my FICO score on the XXXX of XXXX. On the XXXX there was nothing posted and I called again and they told me that they would never post my payments history for the full length of my contract because I had filed for a bankruptcy 10 years ago. The mortgage was never part of that bankruptcy and told them that they had no right to continue to punish me and cost me thousands of dollars because I filed ten years ago. What right do they have to inflict damage on me for 40 years?! This is unfair crediting practices and has caused damage and cost upon me!

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 2019-10-31
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I submitted a payment for my loan on XXXX. My bank sent out the check. When it wasnt posting to my account I realized I sent to the wrong XXXX XXXX. So I called ally financial and explained the situation. The said to not worry and do not place a stop payment on the check because they still own the XXXX. XXXX and will forward it to the correct place. The payment cleared my bank but when it did it was deposited into someone elses account at a different bank. Since it was cashed I cant put a stop payment on it anymore and I need ally to fill out a form that my bank requested. I have contacted them numerous times to get them to fill it out and they wont answer. Then when I call they say to contact the bank that cashed it ( XXXX XXXX XXXX  ) I tried that and they said ally needs to fill out the form and dispute it since it was addressed to them.

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 2020-10-16
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi i have a mortgage and i was in forbearance for a few months and I tried paying every month but i see i have late payments on my credit report. I am trying to refinanced and I can't because they said i have to many late payments on my report but I wasn't supposed to have late payments on my report from a forbearance. please help me get all these late payments off

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have sent a letter on XX/XX/XXXX to dispute inaccurate information on my credit report and it has been past 30 days and I have yet to receive a response. I have also sent an additional demand letter on XX/XX/XXXX requesting they follow up and still have not received any feedback and to the issues, I am having. I am a victim of identity theft and, someone has been utilizing my name, which prompted me to dispute the items on my report in the letter.

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 2019-08-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am a victim of the Woolsey Fires in California. After my family and I were forced to relocate, I immediately contacted all my credit card companies to ask for a forbearance  period as my homeowners insurance was giving me trouble by not issuing payments. I have been forced to liquidate my 401K to pay for additional loving expenses and to replace my personal property that was either ruined by the fire or stolen by the fake contractor hired to "help ". I was denied Fema because I had insurance and after being denied a loan from the SBA due to delinquent reporting by 2 credit card companies who swore I would not have to make any payments and would not have negative credit reported.
Needless to say, My once perfect credit is now ruined. I was not able to get an SBA loan because of these banks mis representation of my account status. To make matters worse, I never opened the Wells Fargo credit account, the bank illegally did that for me when I opened a savings back in 2014.

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 2020-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on my payment history from your company. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Experian Information Solutions 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 have attempted to contact Experian by mail and over the internet on multiple occasions to request they address my concern that they have placed two accounts into my consumer credit report which are not consumer credit accounts, but were both for amounts the VA believed it had overpaid for GI Bill benefits. Both of these accounts were paid but then both amounts were later refunded after a Congressional enquiry determined the amounts should be refunded to me. Unfortunately, the VA reported these accounts to Experian, and they both appear as consumer credit entries on my Experian credit report, despite not being consumer credit accounts. I believe that Experian has violated the terms of the XXXX 2015 consumer credit agreement with the Attorney General of the State of Alabama that Experian signed in XXXX 2015 which stated they would not post non-consumer credit accounts into credit reports. I do not believe that under the terms of the 31 state agreement that these accounts are authorized to be entered into my credit report. Paragraph 3C of the 31 state agreement states The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). The VA overpayment accounts were not consumer contracts or agreements and should not be posted into my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2020 I was supposed to get a unemployment deposit and checked my account and it showed that it was on pause. 

several of my payments bounce, resulting in overdraft fees. I contacted the bank and I understood that they were going to reverse the fees. When I double checked they only reimbursed a partial amount of {$8.00} approximately per fee and kept the rest. 

XX/XX/2020 I contacted customer service again, ask for a supervisor and they said that because I had accepted this Arrangement the first time that he would have to forward it to there consumer advocacy Department. 

I explained that it was as a result of covet and that I did not understand that that was the arrangement the woman was providing. She was not clear when I called. 

I am still waiting for unemployment that is pending, even though there is no issues that I am aware of that is holding it up. I would like full reimbursement for the fees that were taken.

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 2020-09-04
Company: Experian Information Solutions Inc.
State: GA
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:
In XXXX around the XXXX week I mailed off letters to the credit bureaus XXXX, XXXX, and Experian. I have been for sometime now trying to dispute negative items that I do not honestly recognize as mine and I do not know who they belong to. These companies have yet to validate their findings as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They have yet to validate anything. Because they have broken the law I would like to process this in a civil lawsuit  against them. 

I have made several attempts to correct this matter.

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 2020-09-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted XXXX to reschedule my payment when I realized my bank account was over drafted, due to another bill payment being processed early. I asked to reschedule my payment on my next pay period and was told that there was no way to stop their automated system from collecting they payment. I informed the rep that for each attempt, my bank would continue to charge me an over draft fee and that it would put me further in debt. At this time the rep informed me that the only way to stop the automatic attempt would be to file a stop notice with my bank. XXXX implied several times that I did not do my due diligence by contacting XXXX earlier. I let her know several times that I called as soon as I realized the issue and was trying to work towards a resolution so that I could meet my payment obligation. She continued to imply that I did not take the correct action and that the matter was out of her hands. I then contacted my bank to place a stop payment, as advised by XXXX. Today XXXX called to advise that I would be kicked out of the lower interest arrangement for failure to meet my payment date. Despite doing what I could to adequately make my payment, XXXX is now attempting to collect a payment that I can not sustain, without informing beforehand that their advised action would result in being kicked out of the program. I believe this is in violation of the Fair Debt Collection Practices Act Section 802a and 802c as no alternatives of payment were offered. This practice is highly predatory and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Early Warning Services LLC has refused to properly, legally, completely and accurately validate these alleged accounts that were placed on my consumer profile. I have attempted several times over the course of 3 months to obtain proper documents for these adverse accounts but Early Warning Services LLC has refused to comply with the 30 day timeframe deadline by law to validate these accounts. They did not provide account transaction history, complete account indo, original signatures, photocopy checks etc. They even admired to Not having adequate records of these accounts into which I provided a police report for fraudulent accounts. They have not honored this police report. Early warning services refused to inform me as to how they allegedly validated these fraudulent accounts with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Who did they speak to? When? Contact info who supposedly validated these adverse accounts which are preventing me from opening accounts with other financial institutions. Furthermore, these accounts do n't bare my complete name. Early Warning Services LLC is defaming me and this is illegal. They refuse to comply with the law. I am violated as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
im a victim of identity theft there are several accounts on my credit report that ive disputed but the credit bureaus have not removed these accounts ive filed a report with the ftc and a police report as well

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 2020-07-01
Company: Experian Information Solutions Inc.
State: SC
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 have contacted Experian several times about fraudulent accounts and information on my credit report due to me being a victim of identity theft. They have not acted in compliance to the Fair credit reporting act 605 b which sates that any fraudulent information resulting from fraud should be blocked and removed immediately.

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 2020-07-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I submitted a generic complaint to Clarity late yesterday asking if there was a consumer report for myself. I called this morning and was able to have a very good conversation with the representative - apologies I forgot his name. Anyhow, I was able to find out what was needed to verify my identity. I will submit it here and await a copy of my report to be mailed to myself. 
Please also freeze my account and place a permanent opt out on the file.

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 2020-09-04
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
i listed everything with the attachments but they have been calling me like crazy sending tow trucks to my house and harassing me the car leaks fumes and has electrical problems. The person who had the car before me modded it was a drag car and i have been exposed to carbon monoxide so have my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XXXX around the XXXX week I mailed off letters to the credit bureaus TransUnion, XXXX, and XXXX. I have been for sometime now trying to dispute negative items that I do not honestly recognize as mine and I do not know who they belong to. These companies have yet to validate their findings as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They have yet to validate anything. Because  they have broken the law I would like to process this in a civil lawsuit against them. 

I have made several attempts to correct this matter.

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 2019-02-21
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid off my mortgage with mr copper XXXX XXXX  XXXX XXXX XXXX, Texas XXXX on XX/XX/2018 it has almost been 1 year and they still have not sent me my lein release for my home. I have called them at least once a month for the past 11 months and they tell me its in with there legal team, I have asked to speak with the team and they say there is know number they can give they will get back to me and they never do. I would like to sale my home but I can not do this with out the release form. I have done my end of the bargain and paid my loan off. I am asking for them to give me what is mine and I get the same answer for the past 11 months. Can you help me please Thank you, XXXX XXXX Ps. I have attached a copy of the paid in full letter claiming my release was on its way to being processed back in XX/XX/2018

Company response to consumer: Closed with explanation