BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1982 XXXX XXXX I am filing a complaint about missing accounts that are not showing on my credit report. I have a XXXX and XXXX XXXX  And XXXX XXXX that are not showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX I ran a credit report from the 3 reporting agencies While XXXX and Equifax scores were above XXXX, the Equifax score was XXXX. The only difference I can see is an account reported in collection for {$1100.00} which ( on the accounts details section ) has no information about the " original creditor '' or the " company sold to ''. This account is simply listed as a " XXXX XXXX ''. I do not know what this is about and have had no luck disputing this with Equifax. I believe this is some predatory collection agency trying to sabotage my credit history on some bogus medical charge. The Account is listed as closed and recently updated on XX/XX/XXXX. A full copy of my credit report including the account details of this mystery debt ( first page ) has been uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, INC.
State: CA
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:
With the current situation of the COVID-19, I attempted to gather the free weekly credit report from Equifax via XXXX XXXX XXXX Despite entering my information, I encountered an error where it said that online delivery of the credit report is unavailable. I encountered this same issue a few months ago and still experience it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I logged into my account today and notice there was a late charge on my account. I received an email from Capital One advising my payment had not been received - at this time I did n't know that Capital One had charged me a late fee. I called Bank of XXXX back in XX/XX/XXXX to inquiry why payment had not posted yet. The bank stated the credit card company rejected my payment and did not state why. After witnessing this late fee on my account, I contact Capital One to remove this fee. Capital One stated to me the fee will not be waive even though I have not had any late payments. I never call in and request anything from this Bank. I have received poor customer service. The bank does not care about their customers customers, no matter how loyal you are to the bank. I have been with this bank for years and I always have issues with the level of service. It has me serious thinking of closing out this card and going with another bank. It is not my fault the bank rejected my payment - it is on Capital One. Why am I being held accountable for their mistake. I called my bank and requested a letter explaining the reason for rejection. I was informed the letter can not be generate due to Capital One not giving a reason for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: EQUIFAX, INC.
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:
XXXX XXXX/XXXX is reporting incorrect information. I spoke with a representative on XX/XX/XXXX named XXXX ' and she stated that although they updated their information as paid, they DO NOT HAVE TO REPORT THIS TO THE BUREAU. XXXX has removed the account, but it is still showing on XXXX and Equifax. This account was sold to another lender, so it is technically showing TWICE. 

Account infom is XXXX XXXX/XXXX XXXX XXXX Account no. XXXX .... amount XXXX sowing late from XX/XX/XXXX through XX/XX/XXXX and this is INCORRECT. This is my sixth complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For the past 18 months I've tried to resolve an inaccuracy issue that was reported to all XXXX credit bureaus. I have reached out to XXXX, Trans Union, and XXXX regarding this matter ( disputes were also filed online ). I made a credit card payment for XXXX dollars in XXXX of XXXX to XXXX Bank. 
I was kicked out of the system due to the website 's nightly maintenance. The issue resulted in me receiving a derogatory remark ( XXXX late payment ). I've spoken with 2 supervisors and several customer service reps in Regions credit card department on several different occasions regarding the issue. Regions advised that letters were sent to all 3 bureaus to have the discrepancies removed. 
After speaking with Trans Union on XX/XX/XXXX I was told to request the letter be sent directly to me, I was instructed to upload the letter in the dispute portal online. 

I called Regions on XX/XX/XXXX. I was told by the credit department that the system wouldn't allow them to send the letter directly to me. The representative tried to locate numbers to speak with the agencies directly. Unfortunately, he was unsuccessful. After speaking with his supervisor, he was instructed to send yet another letter ( the XXXX attempt sent ) to resolve the issues. I'm not sure why the letters aren't arriving to the proper departments but, at this point the inaccurate reporting is affecting my ability to secure my mortage loan. I can't be approved by my lender with any late payments under XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: General Motors Financial Company, Inc.
State: FL
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 filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted the proof that i have insurance for my house. However, lakeview Loan Servicing LLC who is the escrow agent, refused to refund the deduction which should not be supposed to do that. 

Our house loan has no escrow account and we handled our insurance. In XX/XX/2018, Lakeview Loan Servicing LLC suddenly open the escrow account and deducted {$2200.00} and deducted the amount from my back account by automatic payment. Later on, I submitted insurance company 's statement and showed them we have insurance. Lakeview loan LLC sold the loan to XXXX. Lakeview Loan LLC refused to refund me saying the account is sold and closed.

I called Lakeview several times during the past few months and they said " the check is being processed '' but i never received the refund. Attached with the doc. You can see my escrow account starting balance is - {$2200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, 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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
) In an effort to make sure we are covered, I am sending in another complaint, because our situation with BBVA seems to only get worse! My wife called BBVA back, after about a week or so when BBVA indicated to us, that before they could take a payment from us, they had to get everything straightened out on our XXXX payment they had lost. My wife called BBVA, and a representative told her that they had a screen shot of the payment we sent them ; and they had to figure out where to apply the XXXX payment, which didnt make any sense to us! After that, my wife has been continually calling BBVA for the last month of XXXX, up until now to no avail ; trying to make a payment, and there is a recorded message that says, leave your account number, name and phone number, and someone will call you back ; but no one never does. ( That number is to their Bankruptcy Department, even though we didnt put the car in Bankruptcy XXXX ) ) We did get a call on the XX/XX/XXXX from BBVA, that they have noted in there call logs, but it was for a survey about their service, which I find very funny, considering how bad the service has been! 
) BBVA has been very incompetent, and if they are going to make it this difficult for us to make a car payment, we feel that they should just go ahead and send us the title to the car ; or not charge us for the month of XXXX and XXXX or however long it takes. 
) The problem of making a payment only seems to get worse with BBVA at this time, and we are worried and confused on what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: M&T BANK CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX who is on this mortgage died suddenly I was not on the loan at all I am filing to be personal rep of his estate I am filing that in the morning with the court. I have not been able to since the weather has been so cold and snowy. 
I will request that the Judge orders a stay on the foreclosure and eviction. 
I am XXXX old and have medical problems and no assistance

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 2021-12-01
Company: EQUIFAX, INC.
State: KS
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:
To start off, I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX in 2018. I am currently trying to buy a house through my bank. My bank keeps trying to access my credit scores, but is being refused my Equifax report. The error message that my bank receives from Equifax is " file suppressed, fraud request. '' There is no freeze or fraud warning on my Equifax account as per Equifax themselves and I can also see this on the account I created on their account. They suggested that it was being denied because the name on my account ( XXXX XXXX ) doesn't match the name my bank is using ( XXXX XXXX ). From there, I have been trying to update the name on my account. Equifax refuses to update my account with the new name. I first tried faxing my name change legal order to them. They apparently did not receive it within 3-5 business days. I then created an online account with them and tried disputing it online by only submitting the name change order. My first dispute was flat out deleted. The dispute number doesn't show up on my account and there is no dispute result to view or download. After calling, they said that they could see the document that I uploaded and the dispute on their end, but would need other documents such as my XXXX  card and a picture of my drivers license. I disputed it again and submitted those XXXX documents. Their response is that my name is currently reporting correctly on my equifax credit file ( as XXXX XXXX ) and did not change my name. I am now disputing it a third time, this time with the name change order, my XXXX card, my drivers license, and the information page of my passport. Seeing as they do not seem to care about actually doing their job, I would like to have the cfpb also contact them and put pressure on them to actually do their jobs. Since my name on their account does not match the one that my bank is using, my bank can not access my credit score and therefore can not approve me for a mortgage. This is actually causing me a lot of hardship because I do not currently have any place of my own to live. I am currently staying with family because I lost my apartment back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I signed up for automatic payments to be processed by the credit card company ( Chase ). The terms do state that the amount of the payment may be reduced considering credits from purchase returns, etc. It also states that it will not advise what amount it will transfer in advance of the actual payment. It also does not state that the amount they reduce the payment amount could be to a level below the minimum required by the account terms to satisfy the minimum payment for the month. 

After following up with Chase regarding no payment having been processed for the month, I was told that not only did they reduce the payment to zero due to refunds in the following billing cycle, but that I would receive notice by mail that due to lack of payment, my account would be closed in the next month. They are effectively considering the account to be in default. 

I consider this to be a breach of terms on Chase 's part for failure to ensure that the minimum payment required for the account was met through our agreement for automatic payments. I consider this to be fraudulent as they are creating a deliberate situation for Customers to be considered in default on their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of a romance scam Stated his name is XXXX XXXX. He kept stating he kept having a series of unfortunate events and needed money. Around XX/XX/2016 he contacted me through a social media called XXXX. We exchanged emails, texts and calls. Stated he lives in XXXX NJ and was an international interior designer. Sent me what he claims is his passport with his picture. Eventually he claims to have gone to XXXX to care for his dying mom, who eventually died, with his son. His wallet got stolen and had no money, needed money for food, medical bills and funeral then for airfare. He claimed Doctor named XXXX XXXX took his kid to XXXX. Needed money for son. I am still in contact with him superficially. Now he states he is in XXXX and wants me to send money to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Through XXXX, He has also asked me to send money to people including a XXXX XXXX in LA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas and through Western Union XXXX XXXX Texas. Phone numbers he has used : XXXX, XXXX and is currently using : XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a new complaint. I have requested a WET INK signature validation for this debt on XX/XX/17 via CFPB. I received a copy of a statement for an account that has yet to be verified by the WET INK signature requested. According to Tennessee state license verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from all credit bureaus. The collection amount reported is {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TD Bank has charged me XXXX for a fraud that resulted in a overdraft for the XXXX that they are wrongfully holding me responsible for charges that I am 100 % not responsible for. 

TD bank has informed me that they conducted an investigation that resulted in their decision to wrongfully hold me responsible for these charges. 

I am willing to testify under oath in a court of law that I know nothing about these fraudulent charges and respectfully request CFPB to intervene in this matter. 

My Checking Account # XXXX and my routing number is XXXX Last 4 SS XXXX Thank You very much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: AMERICAN HONDA FINANCE CORP
State: MI
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:
The car was sold at auction without informing me of the location so I could buy it out of auction. Now it is showing on my credit report hindering me to get another car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Too many companies, which I dont have account with.

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 2017-07-30
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Back in XXXX, we were reapplying for our income based repayment plan. On XX/XX/XXXX we received an email saying they received our information. On XX/XX/XXXX, we received a message stating that our forbearance/deferment was ending with no indication of the repayment plan but still indicating that our payment would be {$160.00}, which was what we were previously paying. On XX/XX/XXXX, we received an updated payment plan, which was switching us to standard repayment of {$270.00}. I phoned them asking about the status of out repayment plan renewal and was told that I could ignore the standard payment and needed to wait until the committee looked over my application. On XX/XX/XXXX, they emailed in response to my phone call stating they had my tax return information and that they have estimates of repayment but no guarantees and that it could take 14 days to come to a decision. On XX/XX/XXXX, we received another email that our repayment application had been received. On XX/XX/XXXX, we received 2 different emails stating that we were missing documentation. One was for a section of the application missing information and proof of income. This was despite being previously told they had our proof of income. OnXX/XX/XXXX, they enabled that they needed my husband 's signature. This prompted another phone call. On XX/XX/XXXX, they emailed us saying they received our proof of income and it takes 15 days to process. On XX/XX/XXXX, we received an email stating that we were back in standard repayment with the higher payment due. On XX/XX/XXXX, after we had emailed them trying to clarify, they responded saying they needed a signature from my husband, reapply, and proof of income. I called them the same day and was told that I had filed the application our incorrectly and not to worry because we were still in deferment. We promptly typed a new application with my husband 's signature and emailed it to them with a message saying that we already had proof of income and tax returns on file. On XX/XX/XXXX, XXXX XXXX from Navient emailed stating she had submitted a request to expedite our request received XX/XX/XXXX along with proof of income received onXX/XX/XXXX It also said a letter would be sent to us when a determination is made. Today, we received 2 emails stating that the application was missing information and proof of income. We emailed them tonight saying that was impossible because we typed the application and had it in front of us and they already indicated they have our proof of income. Meanwhile, XXXX, my other lender, has already approved my repayment plan without any trouble.

Company response to consumer: Closed with explanation