BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
XX/XX/2020 ~US Bank Relicard denied atm withdrawal with money in account. 
~Called customer service. 
~was told account is locked. 
~faxed identity information to reliacard after already confirming and needing the account unlocked immediately ~I was told to wait 5 business days XX/XX/2020 ~a week later ~have not recieved fax ~told to wait 7 more business days I HAVE ZERO ACCESS TO MY MONEY AND I'M HUNGRY AND THEY WILL NOT UNLOCK MY CARD THAT SHOULDN'T BE LOCKED ANYWAY. 
reliacard, us bank and unemployment have made zero effort to help me and have waited on hold for hours and hours and hours on end.

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 2020-11-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
2nd complaint, same issue, Chase did not resolve first complaint, I opened an account online since I suffer from XXXX and am XXXX XXXX, that is how I'm forced to do my banking, I deposited a {$7.00} rebate check shortly after opening the account online and was notified by Chase that my account was frozen due to fraudulent activity, I called Chase and spent several hours on hold on day 1, day 2 and day 3, i was finally connected with a person although I could barely understand her English, I was told the account had been released and she could close it if I answered some question to verify my identity, the first 2 question I couldn't understand what she was asking me, the 3rd was what auto license # was associated with me, as I previously stated I'm XXXX and in NYS your not allowed to drive when your XXXX. I was unable to answer these inane questions and was told " sorry nothing she could do '' I then filed a complaint and was contacted by someone from corporate, he told me he would handle it. well all he did was " nothing '' the hold had already been lifted anyway, the problem remains that I cant close the account, i spent another 40 minutes on hold today 1st with customer service then with corporate, only to be told Id have to call customer service again. If Chase allows a person to open an account online, since they are unable go to a brick and mortar bank, they need to allow them to conduct the rest of their business remotely as well. if Chase is more in need of the {$7.00} than I am they can have it, I simply don't want an account in my name with a bank that can arbitrarily accuse me of Fraud, with no explanation. I want the account closed period. Im attaching the letter from Chase, from the first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: NY
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 XXXX  Accounts has violated my Rights. 
XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: NH
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 sent Equifax letters to verify XXXX accounts and also correct the way the are reporting the accounts since XXXX of XXXX. I have yet to receive actual verification and the accounts are reporting inaccurately. 
The Account status are reporting as open- collections are NOT open accounts, The payment status is inaccurate- they are both reporting 120 days late - this is inaccurate on a collection account the past due amount should be XXXX the XXXX year history and the last payment are incomplete and inaccurate on both accounts equifax has said the accounts " verified '' but I have yet to see anything to verify all this inaccurate information Ive included all letters and the copies of my credit reports showing that EQUIFAX IS REPORTING THESE INACCURATELY NOT THE FURNISHERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am having issues with my vehicle loan through Bridegcrest due to inaccurate payment scheduling that has occurred multiple times. It occurs when I am called by Bridecrest for late payments collections and to bring my account current. At least three or four tiimes I have been called for late payment collections and have requested repayment dates that suit me with regards to other financial obligations yet the service representative scheduling an online payment to bring my status back to current will enter a date that adheres to the loan schedule and not by what I am verbally requesting. This causes a domino effect of me not being able to pay the next bill on time because the dates I require in order for funding to be available isn't always based on my Bridegcrest loan repayment schedule. The agreed scheduling would bring my account current if they followed it, but they don't and schedule the payments to their benefit or to fulfill whatever collection quotas they have but it leaves me in a financial burden to make the next payment because they are taking money out of my account before it was allocated for them. Since I have received the loan I have been in a constant delinquency and credit reporting and it all stemmed from their late collection payment rescheduling that first occurred three months after I received the loan. In that instance, I was called to bring my loan current but they scheduled the payment before the agreed upon date. My loan eventually needed to be restructured and my loan was extended almost another 6 months. My most recent occurance of this happened, this month. I was called to bring my account current and scheduled two payments to be taken out this month. One was this XXXX on XX/XX/XXXX and the other was for {$400.00} on XX/XX/XXXX. I just found out the XXXX was already taken out on XX/XX/XXXX. All in all my account should be current with all the payments I have made by now yet it is not. I know this is in part due to late payments but the type of delinquency reporting, total of loan payments, and daily interest accrued just do not make sense for any vehicle loan. Looking back t honestly would have benefited me more to have voluntarily reposessed the vehicle after the first late payment rescheduling error because I have been hassling with this loan the whole time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Freedom Mortgage Company
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2022 - I paid my mortgage on time. A couple of days later - my mortgage was transferred to a new servicer - freedom mortgage corporation. The mortgage was paid from an old checking account - and the amount was deducted from the account - however they are saying this is not the case. I have provided proof - however they are not accepting it and calling me a liar. now my account is showing past due because when I make a payment towards the end of the month for the coming month ( like I always do ) they are applying that towards the current month. I have recently gone ahead and paid it because they have destroyed my credit- my credit has gone from being XXXX to now only being XXXX. I am very upset and repeated phone calls and messages to this institution have gone unresolved- and I am also out an extra {$1400.00} and they are also trying to assess late charges.

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 2020-11-13
Company: Prosper Marketplace, Inc.
State: DC
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 am a victim of Identity theft. The perpetrator ( s ) used my information to try to open a loan with XXXX XXXX XXXX. This company accessed my file through XXXX XXXX XXXX. 

I contacted XXXX  and they claimed they had permissible purpose to access this file but WOULD NOT PRODUCE IT. This is a violation of federal law. The customer service area then said there was no signed disclosure or no physical evidence of Permissible Purpose available. 

I have enclosed a letter to this company. 

This inquiry is negatively impacting my credit score. I have contacted XXXX  directly and they refused to remove it

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 2021-01-25
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 mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. I still received no response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realize due to the global pandemic the system is slow but for a 30 day time limited investigation to take over 200 days days and still no results to be mailed to me nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before I take this case through the legal system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
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 fraud alerts or security freezes

Complaint:
I have requested that my personal statement be updated. The current statement is not accurate and references a telephone number which does not belong to me. I am asking that the statment below be listed, solely on my report. I am asking that this statement be listed as the prominent statement and not suboordiate to a statement by the credit reporting agencies. 

My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse information reported to the three credit reporting agencies. Each agency provided notice to XXXX & XXXX, as adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the 5 items listed as adverse 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 explanation
Consumer complaint received 2023-02-23
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:
My name is XXXX 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 inquiries. 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 non-monetary relief
Consumer complaint received 2018-10-24
Company: PLAZA HOME MORTGAGE, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Selling on my house located in XXXX XXXX, fl with Plaza Home Mortgage being my lender. In 2018, my house went under forbearance due to Hurricane Irma. We began replaying on out mortgage working with their loss mitigation department in XX/XX/2018. So far in 2018 we have paid a total of {$21000.00}. On XX/XX/2018 we closed on selling our property with a principle balance of {$470000.00}. The mortgage company charged us {$20000.00} in interest for the year of XX/XX/2018 stating that we have not paid since XX/XX/2018 when actually i have statements showing my payments from my bank. I have spoken with them multiple times on the phone to be basically told that I did not know what i was talking about and that this was what was owed to them when the math does not add up based on the interest. since XX/XX/2018 a total of {$500000.00} was given to Plaza Home Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: ALLY FINANCIAL INC.
State: UT
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 did not authorize this credit check.

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 2021-01-25
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:
XXXX XXXX XXXX On XX/XX/XXXX i reached out to Experian because the date of last activity shows XX/XX/XXXX on Experian but on XXXX shows XX/XX/XXXX. The date of status in the report they sent to me shows XX/XX/XXXX with payment history starting on XX/XX/XXXX which is over 90 days for when it was opened. The balance on this Collection continues to increase with my credit report on XX/XX/XXXX has a balance on XXXX of {$4900.00} and Experian has a balance of {$5000.00}. The report sent by Experian does not show the required Disputed notes on the account and shows a balance of {$5000.00}. How is this collection account showing in a closed status with the balance increasing every month? In the account history you sent to me shows every month the BALANCE has been increasing. 

This account is inaccurate and needs to be deleted immediately XXXX XXXX XXXX XXXX On XX/XX/XXXX I reached out to Experian because the High balance on this account is {$2500.00} with a balance owed of {$2300.00}. Experian responded XX/XX/XXXX stating the account was charged off for {$1700.00} but has a past due balance of {$2300.00} but no answer to how the high balance would be {$2500.00} or how an account can have a past due balance of {$2300.00} when it was charged off for {$1700.00}. The date of status in the report they sent to me on XX/XX/XXXX with the payment history shows 30 days late XX/XX/XXXX and 60 days Late on XX/XX/XXXX, C on XX/XX/XXXX and then CO XX/XX/XXXX. The information does not add up on this account. 

This account is questionable with a High balance of {$2500.00}, Charge off balance of {$1700.00} and a past due balance of {$2300.00}. This account is also missing the required Disputed Remarks which is a violation. Please delete this inaccurate unverifiable account.

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 2021-05-20
Company: EQUIFAX, INC.
State: MO
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:
Equifax ; XXXX and XXXX should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: AMERICAN EXPRESS COMPANY
State: NY
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 rewards from credit card

Complaint:
I transferred XXXX XXXX Amex rewards points ( XXXX and XXXX ) to XXXX XXXX XXXX account last XX/XX/XXXX. I got a confirmation message and it was deducted from my account. I waited until XX/XX/2022 but it still hasn't post to the XXXX XXXX account. I reached out to Amex to check on it and they opened a case. It's been XXXX now but still no resolution. 
I keep on calling to follow up but Amex just keep on saying that the case is still in process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: Westlake Services, LLC
State: MD
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 a loan with XXXX/XXXX  and WESTERN FUNDING INC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and XXXX/XXXX and WESTERN FUNDING INC with no successful resolution. There was definitely an error on their part.

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 2017-12-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have called navient the past 7 months because they told me that they ca n't or did n't process my payment because they were n't able to find my bank account. Now XXXX XXXX 2017 and navient told me that I am currently {$1200.00} past due. When I have the statement from XX/XX/XXXX and XX/XX/XXXX stating I am {$0.00} past due. Every other loan is on autopay. They have n't been taking any finances out on one loan. This loan id has been giving me problems for 2 years. Now this has been ruining my credit because navient says I have paid the loan for 1 month and the next they say I have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage will not accept payments outside the current date window. This is the first lender I have seen do this in all the mortgages I have had over XXXX years. Example I am due for XX/XX/XXXX. I want to pay this payment today XX/XX/XXXX. I can only pay a principle reduction online. Or, I can send in a payment, Freedom Mortgage applies this as a principle reduction which I do not want and I have to call to have the payment applied as a regular payment. Allow customers to make payments as they see fit, stop trying to stretch debt out, or make it unfairly difficult to forward pay your mortgages you service. They have a payment button on the site, however when you click the button, if you are prepaid for that month you can only do a principal reduction unless I mail a check and then call to reallocate the payment. This is an unduly burdensome process for these times.

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