BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
My student loans have still been reporting negative information on my reports for over 10 accounts on my credit report. This has resulted in low credit score or inability to open new accounts or get better interest rates for a while now. They have accounts on there reported that are 14 years old 11 years old 10 years old 9 years old etc. They should have fell off after 7 years or 7 years plus 180 days and they have been on there wya beyond then resulting in a risky profile and low credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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 delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items 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 explanation
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: AZ
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:
Ive been waiting for my report to update since XXXX. I keep getting an error message everytime i try to access my report. They also direct everyone to input the last 6 digits of our socials on a phony site. I found out on the XX/XX/XXXX that my info was breached. I have yet been able to speak to any one due  to the busy phonelines. I submitted a dispute with them and can not view the results online. They finished my dispute within days of recieving my letter which im sure ill be filing another complaint about that because the info i was requesting needed more than 5 days to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX, I called Exeter Finance and asked for a breakdown of how much the car was sold for, other charges ( interest, storage, cost to pick up ) to be mailed to me. I specifically asked for an Intent to Sale form and a 1099c. They told me that they would mail a 1099c but did not have nor do or use a 1099c and could not provide that to me. I asked them how much I owed and they gave me a total of {$10000.00}. They then told me that I owed the debt to XXXX and not them and to call XXXX XXXX set up a payment system. When I called XXXX they told me that my balance was {$7800.00}. Today, on XX/XX/XXXX, I still have not received an Intent to Sale form in the mail. I called them today for an update and asked why XXXX said I only owed the {$7000.00} but they are charging me {$10000.00}. She stated that the car sold for {$6300.00} and I was charged for other things such as the preparing for auction, the cost of the car, late fees and the cost to pick the car up. I am not sure who I would pay the other {$3000.00} to if XXXX is only charging me for what is the remaining balance on the car. She noted that she sent me a breakdown of the costs on XXXX of XX/XX/XXXX but they sent it to the wrong address and I never received it. I requested another breakdown of everything I was charged for that she listed plus any other charges. I would like them to send me a complete breakdown of all the charges to ensure I am paying an accurate amount and not being held responsible for something I should not be. This is the second time I have had to request this form and would like to resolve this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
request for an investigation into and request for the reversal of the fraudulent charge, interest fees and late fee, due to, caused by and as a result of the transaction /purchase on XX/XX/2021, posted on XX/XX/2021. Cardholders were without any knowledge of the above transaction/purchase, nor did the cardholders ever authorized XXXX ; XXXX XXXX ; nor any other merchant to process any such transaction, whether online, by telephone, in-person or in writing on above on the XX/XX/2021 date or any other date. Therefore, cardholders credit card number and information were comprised, stolen, fraudulent obtained and used illegally and unlawfully by XXXX., and others in the above fraudulent transaction/purchase. 

Cardholders tried multiple times to resolve the matter with the merchant, and others since XX/XX/2021 through XX/XX/2021, however to no avail. Cardholders tried multiple times to contact CapitalOne via telephone to dispute the charges and interest fees, however due to high call volumes, were unable to get any assistance over the telephone. Therefore, Cardholders request the names, identities, and addresses of the person or persons within the company, organization or agency, that used the credit card information and processed the fraudulent unauthorized transaction/purchase on XX/XX/2021. 

Futile efforts attempting to resolve the matter caused a loss of time and effort, resulted in the missed due date for the Capital One monthly payment for XX/XX/2021. Upon receipt by Capital One, of this formal written complaint and request, Cardholders request an immediate reversal of the XX/XX/2021, fraudulent unauthorized transaction/purchase, any and all resulting interest fees and late fee charges. Cardholders reserve the right to amend the above statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: EQUIFAX, INC.
State: MD
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 very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The XXXX account on my report is incorrectly showing a 30 day late for XXXX of this year. I already spoke with XXXX, and they said they would fix it. I couldn't have had a late payment, as the loans were deferred by the CARES act. It has been 30 days, and my report still hasn't been corrected.

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 2019-03-04
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Texas XXXX Equifax Information Services LLC, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX To Whom It May Concern : My personal information that is pertinent to obtaining my free annual credit report is listed accordingly : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. 

Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, Texas XXXX Equifax Information Services LLC, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX To Whom It May Concern : My personal information that is pertinent to obtaining my free annual credit report is listed accordingly : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. 

Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Applied for Covid Assistance on mortgage company website. Keep sending in documents and calling them. They keep telling my incomplete. Has been going on for 2 months no with no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Towards the end of XX/XX/2020 I tried to transfer money from my relia card to my bank account and for some reason the transfer did not go through and I was contacted by text message to verify my identity through a picture document and a selfie which I supplied. I was told my money would be released in about 5 Days it is going on about 6 weeks and numerous phone calls to no avail I really need my money and cant get 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 2020-07-25
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. he Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 


Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX You have 4 inquiries These lenders have accessed your credit file : XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA/XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2020-10-22
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My mother passed away in XXXX, 2020. She did not have an " estate ''. I was not her personal representative. She did not have a personal representative for she had no assets and lived in a nursing home and was on XXXX. She did have an outstanding balance with a company called Care credit. She utilized Care credit services when she was still living independently and able to make decisions. When she started to become ill I did help out with monthly payments to Care credit however I am no longer able to continue doing that financially. I have been receiving multiple phone calls, multiple letters from this company. I have informed them in writing and by phone that I am not responsible for her debt and I had informed them that she does not have an estate .... I spoke to the estate department at care credit, they informed me that I would no longer be notified of any further contact through them. I even sent them a death certificateBut they continue to harass me. I would like to know how to proceed on this further. Thank 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 non-monetary relief
Consumer complaint received 2020-11-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I previously sent letters certified mail to the credit bureaus to show me how collections are mine, I asked them to show me proof of signature and original contract showing that these debts were mine. I also asked them to send me the proof said company sent them. Still I have received nothing yet, the inaccurate debt is still showcasing on my 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 2020-12-06
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX {$2000.00} Highest Balance {$6000.00} Account Dispute Payment never late FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Reverse Mortgage Solutions, Inc.
State: OK
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My reverse Morgage is on my residence only. I live in a rural area and found out that the appraisal was incorrect instead of 4.82 acres in residence it reflected 25 acres. Lendor RMS wanted me to submit a " PARTIAL REAL ESTATE '' releasement. The tax records agree with me 4.82 is the correct figure but when an appraisal was run to get a loan the error was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: First Credit Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First Credit Services XXXX INC is reporting false and frivolous information to XX/XX/XXXX credit bureau Facts are, I cancelled the membership for XXXX XXXX in person, after that I did send a USPS Certified mail which a XX/XX/XXXXXXXX representative signed for. And I sent numerous e-mails which were responded as well and see attached to this. 
I advised by banking institution that I requested XXXX XXXX to stop charging my account as it was cancelled, action which was DISREGARDED by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: MONEY SOURCE, INC., THE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TMS received our XXXX Mortgage payment but did not apply the funds to our account. This is confirmed on their statement as well as from our bank. Now TMC is requesting a double payment mortgage payment for XXXX. 
I spoke with XXXX at TMS at XXXX on XX/XX/23. The first response was that it was my fault as I did not say what our payment was for - the amount was the exact dollar amount of our mortgage and we only have a mortgage account at TMS. I asked if this would negatively impact out credit, she could not confirm. I asked for supervisor and one was not available and would call me back. After asking to speak with the Office of the President to file a complaint for unfair and deceptive practices, she said they did not have one. The reason then changed as it was due to our servicing changing. I asked for a letter documenting that my payment would be credited, again that was not possible. I am still waiting on a supervisor to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Inquiry is on my credit reports that were not authorized. I am a victim of identity theft in the past, I need these inquiries removed. 

Bank XXXX XXXX XXXX XXXX SYNCB/LOWES XXXX Inquiry : XX/XX/2020

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 2020-07-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Chase account was closed for no reason. I had the account for a year and I have no access to any of my money. I tried to call and resolve but nobody was about to assist. I also went to a branch location to see if my money could be withdrawn and they did not allow the representative to withdraw my funds nor gave a reason as to why they would not allow me to have them. Also I have been sent messages on my chase account which I can not access because my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The agency should investigate and open an inquiry on the unfair business practice of USBank 's credit card division which is unfair to consumers USBANK has current policy in their small print in the statement that reads the payment of on the due date must be receive that day on or before XXXX CST otherwise the payment will be considered late and {$29.00} late fee will be accessed This policy is unfair and discriminatory especially to the consumers who are living in the west part of the country. If the due date is XX/XX/XXXX and a payment was made at XXXX PST, the payment should not be late and should not be accessed a late fee I would like the agency to review this policy have it change as not only this is unfair to consumers in the west and discriminatory 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