BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: FORD MOTOR CREDIT CO.
State: TX
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 had a XXXX XXXX that had multiple recalls on it that were never fixed. Not only did I have issues from the recalls but my life was placed in danger multiple times due to random issues with the car. I tried several times to get the dealer to fix or replace the damages but they only told me that the parts were on back order and refused to assist me in anyway. The vehicle was completely falling apart when I finally gave it up. It is being reported as a charge off and they are claiming that I owe the rest of the monies due for a car that literally fell apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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 had previously sent Equifax a Identity theft report in relation to fraudulent information and inquiries that were reporting on my consumer report. I sent the information via mail and also again via fax twice to the fax number provided and the fax confirms it was sent to them on XX/XX/2021. It is now XX/XX/2021, I called Equifax today and their agent stated that they still do not have the Identity theft report that was sent directly to them. I am concerned as to why they gave me a number that doesnt seem to work and then the agent today STILL requested that I fax the documents again to the same number that didn't work the first time. As I stated to the agent I have sent it AGAIN via fax however, I am now sending it through here to have a record and make sure that they receive it. 
There are 2 fraudulent inquiries currently reporting to my consumer report from XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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: Other problem getting your report or credit score

Complaint:
I have a membership with Experian.com where I am able to view all 3 scores and credit reports every 30 days. In XXXX I attempeted to view my updated scores and was unable to do so. I got an error message that says " Sorry, we can't show you today 's 3-bureau report. This might mean that XXXX and XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. '' I have been calling Experian and informed them of this issue since XXXX. I was told to call the other bureaus, because the issue is within their system. I've called XXXX and XXXX to make sure the information they have in thier system matches what Experian has, and they did not find any discrepancies. 
I have called Experian more than a dozen times about this issue and still no one has been able to solve this problem. But they contiue to ask for my payment to view all 3 scores.

It seems as though they do not kow how to fix this technical issue. I was told that they would open a ticket and send the issue to a department that would fix the issue ; internally, and someone would contact me in 24 hours. Its been 2 months since that conversation.

I just got off the line with a supervisor that informed me she would open a ticket and submit the error to the technical department and someone will contact me in 24 hours and I should have no issue accessing the other two credit reports. This is the exact same " script '' that was read to me in XXXX, and nothing has been resolved.

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Billing dispute for services

Complaint:
TransUnion forces you to input card info during account creation. I assumed card info was for verification purposes, like the post office does for mail forwarding. There is no mention of a charge or service to be rendered, and if there is it has no prominence. They charged me XXXX . This is so deceptive and unbecoming of a company that operates under FACTA. They are scamming consumers and charging them. Theyve paid restitution in the past for these practices and continue to receive complaints.

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 2017-06-09
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: Public record information inaccurate

Complaint:
I have  XXXX  state tax liens that have been satisfied and released by the state for several years that are still showing on my credit reports for all  XXXX  agencies.   The first was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The second was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The third was field on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   I disputed these liens on all  XXXX  credit reporting agencies, and they verified them with  XXXX  he county clerk, but did not remove them, stating they are reporting as verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/2021 I certified mailed EQUIFAX an ID theft report affidavit with all the accounts I disputed, 2 forms of ID, and an utility statement. On XX/XX/2021 EQUIFAX received everything. On XX/XX/2021 I received a letter from EQUIFAX saying, For EQUIFAX to block information under Section 605B FCRA, you need to provide proof of your identity. I provided that from the beginning and according to 605B ( a ), 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, not later than 4 business days after the date of receipt by such agency. Its past 4 days and shouldve been off my consumer report. On XX/XX/2021 EQUIFAX removed 2 collections account, however, on XX/XX/2021 the same 2 collections account were back on my consumer report. All alleged accounts say medical, which is 603 ( i ) of the Fair Credit Reporting Act, and should not be on my consumer report. Thats a violation of 15 U.S. Code 1681a ( d ) ( 3 ) also 603 ( d ) ( 2 ) ( 3 ) of FCRA. I never gave EQUIFAX my written consent to furnish anything on my consumer report so thats another violation pursuant to 604 ( a ) ( 2 ) permissible purposes of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was enrolled in covid forbearance which ended XX/XX/2021. We were led to belief past due payments would be added to the backend of the loan however did not and I was offered a trail modification in which could not afford since my payments would be increased almost {$2000.00} dollars more. 

I then opt on XXXX to reinstate mortage back to normal servicing by paying the past due amount in which the bank now as misapplied all of my payments since XXXX and now states that I am still past due. I made all payments to bring my account current in which is paid upon until XXXX the bank has applied my payments to escrow and also suspense account not related to my mortgage and payments were not applied correctly to principal, interest and escrow. Also, the bank did not correctly conduct a correct escrow analysis to date. Please assist me with the bank since as of this date I am not able to resolve and the bank as not applied my payments correctly. 

As per my XX/XX/2021 mortgage statement I owed {$29000.00} and below are all payments made : {$3000.00} {$3900.00} {$7200.00} {$2000.00} {$15000.00} {$1200.00} {$2700.00} {$35000.00} Total paid ( {$29000.00} ) {$6200.00} payments not posted correctly Please contact my XXXX XXXX who is authorized to speak on my behalf at 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 2021-11-09
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my credit report last month ( XXXX ) and the following company was listed : Helvey & Associates This company did not contacted me or send me a letter about a debt I owed so that I could dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have never had to do this much to get an issue resolved its amazing how Bank of America is giving me a run around about my money. SO I called bank of america to report fraudulent charges on my account back in XXXX. They filed a claim they told me they could not put some of the charges on the claim so okay I'm already XXXX because how does that sound if I didn't authorize a charge and it did not come from me. Then they tell me okay they have all my other charges taken down and it will take 10 days until I know something. Then after I recieved letter in mail I'm confused because where is the rest of the charges so I call back and go through the entire process of the claim again and still having problems now were at the end of XXXX file claim again says 10 days again so here we are in XXXX they close my claim stating oh we determined no fraud because there was no rush in reporting charges when I have been reporting the same charges for over 2 months but they have no record of the other times. I'M very upset I'm behind on Bill 's and a XXXX  mom I need my money. I have talked to idk how many people in customer service, the claims department even the manager of the claims department, now I have been trying to go higher up. Do I need a lawyer?? I'M COMPLETELY DISGUSTED and DISAPPOINTED WITH BANK OF AMERICA!!!

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 2018-11-26
Company: CURO Intermediate Holdings
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account has been disputed and creditor and credit bureau failed to respond to my compliant. Also they have failed to provide any documentation in regards to this account. This account is problematic and i need it to be removed>>>>

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 I TRIED GETTING A CREDIT REPORT FROM TRANSUNION AND IT STATED MY INFO WAS NOT MATCHING UP SO I WAS NOT ABLE TO RECEIVE REPORT! I HAVE BEEN GOING THROUGH AN IDENTITY THEFT CRISIS SINCE XXXX AND HAD BACKGROUND CHECKS RETURN WITH WRONG INFO! THEN IN XX/XX/XXXX SOMEONE ORDERED A CREDIT REPORT WITH DIFFERENT SOCIAL SECURITY NUMBER AND HAD IT MAILED TO MY ADDRESS AS WELL AS OPENED IT AND PLACED IT IN RESIDENCE SO I TRIED TO DISPUTE IT WITH COMPANY BUT HAVE YET TO GET A RESPONSE

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 2021-07-17
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding LLC is trying to collect for an account that not mine. They havent responded to my letters asking for proof that the debt is mine with no response. When I found out about this account it was closed in 2018. When I look now it says open and verified. But theyve never sent me anything. I lived in the same address for 9 years now. I dont even think what theyre doing is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: EQUIFAX, INC.
State: VA
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:
Due to the Equifax data breach/identity theft there are many unauthorized inquiries and accounts on my credit report that need to be removed immediately. What the bureaus are doing to people is terrible. I go to closing in for a new home in 30 days and this is really holding me the XXXX back! This is ridiculous. According to the FCRA laws I know if I filed a FTC report that whatever is unathorized is to be blocked and removed. Now, CFPB please encourage XXXX, Equifax and XXXX to do their part because if i do not receive a response and those things mentioned on my credit report still exists, I will suing all 3 bureaus.

Please do not tell me that " its not me that authorized this complaint '' because I am attaching my ID, and Social security card. No stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to Equifax. I have receipts of everything. FTC report reference number is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Following the Equifax breach, I have been attempting to freeze my credit with all three major agencies. However, Equifax will not allow me to submit a report on their website and their phone line is down, so the only way I will be able to contact them is through snail mail. Considering that the breach is their own fault, they should have a much easier system in place for the hundreds of millions of people whose identities have been jeopardized. 

Additionally, I find it ridiculous that I will have to pay {$30.00} total to the three agencies in order to freeze my credit and will not receive a reimbursement unless I go through their snail mail processes. Do they expect all of the Americans affected by this to go through weeks of paperwork and waiting just to protect themselves? The CFPB should prevent these agencies from making any profit off of the freezes that millions are now being forced to perform due to the agencies ' own negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Wells Fargo account was inactive as I had switched over to XXXX and was using it primarily as a savings account. They were not happy with that and sent me letters saying due to inactivity my account was frozen which was fine because I wasn't actively using the money. Around XX/XX/2017 I finally got around to going to the bank to close out my account and consolidate my finances. It was at that time I was told there was no money in my account. Wells Fargo had sent a check for the amount in my account to my associated address which as a young person I move a lot and was 3 addresses ago. I inform the accountant about the situation and she calls head quarters to cancel the sent check. It was quite a process. Eventually the check is cancelled and she gives me a number to call after 5 weeks so they can process it. The number she gave me is to NJ unclaimed money. Now I have to jump through hoops, supply documentation, get something signed in front of a notary to get my money ( >11k between both savings and checking account ) which Wells Fargo deemed appropriate to send through the mail before without confirmation but now can't be bothered with fixing their mistake

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 2020-12-21
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I submitted an online application via Navy Federal Credit Union website for a checking and savings account on XX/XX/2020. I was approved and given account information online after submitting application and a deposit of XXXX into checking account via debit transaction. On XX/XX/2020 I received NFCU debit card via mail. Once trying to activate via telephone I was advised to speak with a representative. A representative stated I needed to speak with someone in Fraud dept. After waiting for approx 35 minute to speak with someone in that department a representative stated that " I committed fraud on the account ''. I stated what was the problem she stated it had something to do with consumer credit report. After asking several questions about trying to resolve and if I could submit any additional information to get this resolved she stated '' NO '' and I could never open an account with NFCU. Also asked if I would get a letter stating reasoning for this decision also stated " NO ''. Refund of monies deposited into checking account have to be disputed by the bank I submitted debit transaction per representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debt directly to the hospital. I never had an agreement/contract with CMRE, yet they are reporting my minor son 's bill on my credit report. Attached is the receipt of me paying the hospital. I do not have an account with CMRE, nor have I ever had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: MT
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 was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 2021-07-17
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX Acc # XXXX {$16000.00}, XXXX XXXX Acc # XXXX {$660.00}, SYNCB / Car Care XXXX I Acc # XXXX {$470.00}, SYNCB / XXXX Acc # XXXX {$500.00}, SYNCB / Old Navy Acc # XXXX {$350.00}, SYNCB /Waltmart Acc # XXXX {$220.00}, XXXX Acc XXXX XXXX {$16000.00} I did an FTC report with all the items that do NOT belong to 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 non-monetary relief
Consumer complaint received 2022-10-05
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Some of my checks were stolen from my mail box, One check was washed and rewritten with different signature and different type of writing and first national bank doesnt want to be responsible for this problem although the checks were cashed at XXXX  XXXX XXXX in New Jerseys but they dont want to be responsible I being trying to collect my {$2300.00} dollars but again they dont want to pay back my money!! 
Thank you for your help. 
XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation